Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I only had XXXX  days to respond to the correspondence from Bridgecfest. This clearly shows how misleading Bridcrest business practices are. This is my reponse.

To Whom It May Concern, This is my formal rebuttal to Bridgecrests response regarding CFPB Complaint # XXXX. Bridgecrests statement is misleading, incomplete, and intentionally avoids addressing the substance of my complaint. Their version of events misrepresents key facts, omits material information, and attempts to hide behind procedural language instead of acknowledging their violations of federal and state consumer protection laws. 

Bridgecrests claim that it followed all policies, procedures, and laws is inaccurate and irrelevant. Company policy does not override the requirements of the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), or the Texas Deceptive Trade Practices Act ( DTPA ). Their communications with medocumented in writingshow clear misrepresentation, deceptive practices, and failure to provide a legally valid opportunity to cure my delinquency before taking punitive action. 

Between XX/XX/XXXX and XX/XX/XXXX, Bridgecrest provided me with XXXX different payoff amounts to prevent repossession or charge-off : {$4100.00}, {$2400.00}, {$1000.00}, and {$790.00}. The language used in each exchange was inconsistent, vague, and confusingalternating between prevent charge-off, pause recovery, and cancel repossession. These were not defined or supported by written terms. Despite my good-faith attempt to act on their communication, Bridgecrest charged off the account within 24 hours of me confirming payment readiness. 

The company also falsely claims it attempted to contact me. I received no voicemail, missed call, or documented outreach other than automated texts. Bridgecrest can not rely on alleged unverified phone attempts as evidence of compliance when all written communication was contradictory and misleading.

Bridgecrests refusal to issue a clear payoff letter or deadline deprived me of my right to cure, and their actions constitute deceptive trade practices under Texas law. Their misleading statements and internal contradictions are also violations of 15 U.S.C. 1692e of the FDCPA, which prohibits false or misleading representations in connection with debt collection. 

In addition, their failure to disclose consistent payoff amounts or an accurate timeline of delinquency violates the Truth in Lending Act, as it deprived me of essential loan information needed to make an informed payment decision. These actions demonstrate systemic negligence and disregard for the consumer protection standards imposed by federal law. 

This situation also escalated into public harm. When my car was repossessed on XX/XX/XXXX, the contracted wrecker driver falsely reported to police that I had a child in the car. This was untrue. I was inside my running vehicle with my dog, attempting to calm my service animal. \Police arrived, forced me out of my vehicle, and surrounded me with XXXX squad cars and a growing crowd. This humiliating and distressing event occurred solely because Bridgecrests reckless communication and premature recovery order created confusion and chaos. Their conduct led directly to this incident. 

As of XX/XX/XXXX, I no longer have the car, but the harm extends far beyond repossession. Bridgecrests actions caused emotional distress, public humiliation, and reputational damage, in addition to financial injury and credit harm. 

Bridgecrests response attempts to minimize and distort the record. The evidence I providedincluding screenshots, correspondence, and this firsthand accountclearly establishes that the companys actions were not only unethical but potentially unlawful. I am requesting a full regulatory and legal review of their conduct.

Company response to consumer: Closed with explanation