Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Re : Subject : WarningPending delinquent credit report on your XXXX XXXX XXXX Billing Error and Consumer Protection Notice To : Consumer Financial Protection Bureau ( via CFPB XXXX ) Cc : Bridgecrest Financial Services From : XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Continued Collection Activity During Active Billing Error Investigation Complaint Reference Numbers : CFPB Ref. # XXXX CFPB Ref. # XXXX CFPB Ref. # XXXX Summary of Events On XX/XX/XXXX A money order for {$510.00} ( MO # XXXX ) was mailed to Bridgecrest and XXXX to the CFPB via Complaint # XXXX for payment amount due on XXXX. 
On XX/XX/XXXX Bridgecrest accepted money order for {$510.00} ( MO # XXXX ) and applied this payment as credit. 
On XX/XX/XXXX A second money order for {$510.00} ( MO # XXXX ) was sent via mail and submitted under Complaint # XXXX for payment amount due on XXXX Bridgecrest did not acknowledge or apply the second payment. 
On XX/XX/XXXX Bridgecrest issued a past-due notice despite the unresolved billing error, prompting Complaint # XXXX. 
On XX/XX/XXXX Bridgecrest issued a second collection notice, including a delinquency warning. 
Legal References and Consumer Protections The following legal guidelines serve as reminders of the rights afforded to consumers and the responsibilities of creditors during the dispute resolution process. While this notice does not allege direct violations, it asserts that continued collection efforts under the circumstances described may potentially breach these obligations : 12 CFR 1026.13 Regulation Z : Creditors must suspend collection of disputed amounts while a billing error investigation is underway. Continuing to pursue payment or report delinquencies may compromise this rule.

15 U.S. Code 1666 ( c ) Fair Credit Billing Act : During a pending billing error resolution, the creditor must not report the customer as delinquent nor make collection efforts until the matter is resolved.

12 U.S. Code 5531 Prohibition Against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Attempting to collect a disputed amountespecially when documented payments have been madecould be construed as an abusive practice.

Texas Business & Commerce Code Sec. 9.607 & 9.608 Enforcing Security Interests : If the customer granted a security interest, the value provided ( e.g., via money order ) must be properly applied or reconciled. Failure to do so, while demanding payment, may interfere with contractual obligations. Clarification of Payment Intent All payments made were intended as settlement of contractual debt obligations and were not gifts or donations. The use of restrictive endorsements and submission of formal billing error notices reflects an ongoing effort to properly apply value to the account, not avoid payment. The customer has been transparent and timely in asserting these claims. Formal Demand I respectfully request the CFPBs continued oversight and demand the following from Bridgecrest : 1. Cease all collection and delinquency actions while the billing error is under formal investigation. 
2. Acknowledge and properly apply the second money order # XXXX for {$510.00}. 
3. Issue a reconciliation breakdown showing all payments, balances, and credit offsets.

4. Confirm that no negative credit reporting is or will be made while the dispute remains unresolved. 
Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account # : XXXX } From : XXXX Date : XXXX XXXX  XX/XX/XXXX, XXXX Subject : WarningPending delinquent credit report on your XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX! 
A 30 day delinquency will be reported to the credit bureaus. 

Your account is past due $ XXXX is about to be reported XXXX late to the credit reporting bureaus. 



Making a minimum payment of $ XXXX XXXXcan prevent your Bridgecrest account from being reported as delinquent, and get you back on the path to ownership.

Company response to consumer: Closed with explanation