Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
To Whom It May Concern : I dispute Bridgecrests response to my complaint and request a further investigation into the companys handling of my account, repossession notices, and credit reporting. Bridgecrest claims that legally significant notices related to my account and repossession were mailed to an outdated address on file. However, the company repossessed the vehicle from my correct and current residence, demonstrating that Bridgecrest, or its agents acting on its behalf, had actual knowledge or at minimum constructive knowledge of my current address at the time of repossession. It is unreasonable for Bridgecrest to claim it lacked accurate address information while simultaneously locating and recovering the collateral from that same address. This raises serious concerns regarding whether Bridgecrest exercised reasonable diligence in attempting to provide legally required notices. Additionally, Bridgecrest stated in its CFPB response that it submitted an Automated Universal Data Form ( AUD ) to the credit reporting agencies as a goodwill gesture to ensure the account information was accurately reflected. I request clarification regarding exactly what information was updated, corrected, modified, or re-verified through that AUD submission. Due to the inconsistencies surrounding the address information and reporting practices associated with this account, I request the following : * A complete investigation into all addresses associated with my account during the life of the loan * Copies of all notices allegedly mailed, including : * Notice of Intent to Sell * Right to Cure or default notices * Deficiency or surplus notices * Validation of debt notices * Any credit reporting notices * Proof of mailing for each notice, including : * USPS certificates * tracking information * mailing manifests * vendor mailing logs * timestamps * returned mail records, if any * Documentation showing when, how, and by whom my address information was updated in Bridgecrests systems * Account servicing notes, CRM logs, skip-trace records, and communication logs referencing my address * Repossession assignment records and repossession agent documentation identifying the address where the vehicle was located and recovered * Documentation showing whether repossession vendors or third parties provided updated address information to Bridgecrest prior to the mailing of notices * A detailed explanation of the information submitted to the credit reporting agencies through the AUD process * Correction of any inaccurate, incomplete, inconsistent, or misleading reporting associated with this account I also request that the CFPB review whether Bridgecrest exercised reasonable diligence and complied with all applicable obligations concerning notification procedures, account servicing, and credit reporting under applicable consumer protection and credit reporting laws. The inconsistencies between the address used for repossession activity and the address allegedly used for legally required notices warrant further scrutiny and investigation. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation