Consumer complaint received 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Bridgecrest repossessed my vehicle and never notified me that it had been repossessed. 

My car was then sold around XX/XX/XXXX. 

Before that sale, Bridgecrest did not send me the legally-required pre-sale notice telling me whether the sale would be public or private and, if public, the date, time, and place so I could attend or bid ; nor did they provide the amount to redeem or a phone/address for more information.

Because Bridgecrest failed to notify me, I lost the chance to reinstate/redeem or attend/arrange a better sale, which could have reduced or eliminated any deficiency.

After the sale, Bridgecrest never sent me a proper post-sale explanation of how it calculated any surplus/deficiency, as required by law.

Bridgecrests failures have harmed me financially and are now being used to collect/credit-report a claimed deficiency that I dispute.

Pennsylvania has adopted the Uniform Commercial Code ( UCC ). After repossession of consumer goods, a secured creditor must : Send a timely pre-sale notice before disposing of the vehicle that : Identifies the debtor/creditor and the collateral ; States whether the sale is public or private ; If public, states the date, time, and place of sale ; Advises of the right to an accounting and the charge ; and In consumer-goods cases, discloses redemption amount/contact info and any potential deficiency liability.

( 13 Pa.C.S. 9611, 9612, 9613, 9614. ) Pennsylvania General Assembly Justia Law Findlaw +1 Conduct any sale in a commercially reasonable manner and properly apply proceeds ; a creditor that fails to comply may be barred from collecting a deficiency or subject to damages. ( 13 Pa.C.S. 9610 ( b ), 9615. ) Pennsylvania General Assembly Provide a post-sale explanation of how any deficiency/surplus was calculated upon request ( and, in practice with vehicles, as part of standard compliance ). ( 13 Pa.C.S. 9616. ) Justia Law Any waiver of pre-sale notice must be in writing after default ; I never agreed to waive notice. ( 13 Pa.C.S. 9624. ) Findlaw Westlaw Government Bridgecrest did none of the above for me. These omissions violated my rights under Pennsylvanias UCC Part 6 ( Dispositions ). Because I was never told when/where my car would be sold, I couldnt redeem or attend the sale to protect my interests exactly what the notice rules are designed to prevent. Pennsylvania courts recognize that failure to send proper notices causes real harm, including loss of the chance to influence price and deficiency.

GovInfo Pennsylvania case support ( how courts treat bad repo notices ) : In Cubler v. TruMark Financial Credit Union, the Pennsylvania Superior Court explained that the UCC requires pre-sale notice with the time/place ( for public sales ), and that consumers can recover statutory damages when creditors dont comply ; it also discusses the duty to provide a post-sale deficiency explanation. The court reinstated the borrowers claim under 13 Pa.C.S. 9625 for the creditors alleged notice failures. ( 2013 PA Super 322 ).

Pennsylvania Courts Justia Law Pennsylvania decisions also hold that if a creditors sale is not commercially reasonable or notice is deficient, deficiency claims may be reduced or denied. See, e.g., Savoy v. Beneficial Consumer Discount Co. ( Pa. 1983 ).

Justia Law vLex Bridgecrest history ( context ) : While Im not relying on another persons case for my relief, its relevant that Bridgecrest has faced litigation over defective post-repossession notices in other jurisdictions ( e.g., California Rees-Levering claims ). This shows the company is on notice of these legal requirements.

Trueblood Law Firm What Im asking the CFPB to do : Require Bridgecrest to produce copies of all repossession, pre-sale, and post-sale notices ; auction records ( date, time, place, bids, purchaser ) ; repair/reconditioning charges ; and a complete accounting of sale proceeds and any claimed deficiency.

Determine that Bridgecrest failed to comply with 13 Pa.C.S. 96119614 and 9616, and therefore may not collect or credit-report any deficiency from this sale. ( See also remedies under 13 Pa.C.S. 9625 for statutory damages when a creditor fails to comply. ) Justia Law Instruct Bridgecrest to cease collection, delete any negative credit reporting related to the claimed deficiency, and repair my credit.

Require Bridgecrest to implement corrective procedures to ensure consumers receive legally compliant notices in Pennsylvania.

Company response to consumer: Closed with explanation