Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
My signature was forged on car loan documents through XXXXBridgecrest. Their process allows customers to do all paperwork online ; however, I never signed anything, nor did I receive anything through email or text about signing a contract for a car loan. My family member used my information and signed car loan paperwork without my consent through XXXX. The family member created a fake XXXX account with another signature number ; she then had all paperwork sent to her personal email and signed these fraudulent documents without my consent. I have spoken to Bridgecrest on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX only to discover I was the primary account holder. I spoke to XXXX on XX/XX/XXXX and XX/XX/XXXX to help me sort through everything. I discovered through the XXXX representative, on XX/XX/XXXX that the contract was over XXXX pages long and that it was also fraudulent. My listed contact information on the contract belonged to the family member and only included my home address. The XXXX representative informed me to notify the authorities. The second representative from XXXX was contacted on XX/XX/XXXX and stated that he could not find my information unless he puts the family members phone number in the system. He also told me that he could not email me a copy unless he changes the contract because the email listed on the contract was not my email, it belonged to the family member. This vehicle/loan is not mine. It was obtained through fraud by the family member. I do not have access, nor do I maintain ownership of this vehicle. XXXX has since released me from all obligations regarding the car/loan on XX/XX/XXXX ; however, Bridgecrest has not. I have sent Bridgecrest my police report, XXXX release letter, and all of the other documents they requested from me to their identity theft org box. However, on XX/XX/XXXX Bridgecrest sent me a denial letter stating that through their investigation, they still find me liable for the car loan. Bridgecrest did not give me any explanation of their decision, nor did they show any evidence of their investigation. So far, I have XXXX police reports open on the family member ; however, Bridgecrest is still reporting to the creditors that I have missed payments on an account that was formulated through forged documents. Bridgecrest has also changed my address to the family members address and has removed the family members email address on the account to show my personal email instead. Bridgcrest did this after I informed them not to ; this only proves that they are forcing a fraudulent account on me. Bridgecrest has reported all of their false information to the creditors, causing them to change my real home address to the perpetrators address. I have had to clear my identity through several entities about this including the XXXX because the family member has over $ XXXX in toll tickets. They have since released me as well ; however, Bridgecrest has not.

Company response to consumer: Closed with explanation