Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Bridgecrest XXXX regarding their deceptive and unlawful practices related to my automobile financing account. I received a Notice of Right to Cure and Intent to Repossess, dated XX/XX/XXXX, which contains multiple violations of consumer financial laws and misrepresentations regarding my alleged obligation. 

Nature of Complaint 1. Failure to Provide a True Bill & Complete Accounting o I have repeatedly requested a full accounting and verification of the debt under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) ( Accounting Requirements for Financial Institutions ). 
o Bridgecrest has failed to provide a detailed ledger, original wet-ink contract, and proper proof of claim, making it unclear whether any actual loan or lawful consideration was provided. 
2. Violation of Federal Truth in Lending Act ( TILA ) & Billing Error Laws o Under 15 U.S.C. 1637 ( b ) ( TILA Statement Requirements ) and 12 CFR 1026.7, Bridgecrest is required to provide a monthly billing statement that clearly outlines the amount owed, interest, and all applicable charges.

o Bridgecrest has failed to provide proper billing statements, making it impossible for me to verify the accuracy of their claims, violating TILAs disclosure and transparency requirements.

o Under 15 U.S.C. 1666 ( Billing Error Resolution ), a consumer has the right to dispute billing errors, and the financial institution is required to conduct an investigation and respond within 30 days. Bridgecrest has ignored these legal obligations. 
3. Cease Collection Efforts While Account is in Dispute o Under 15 U.S.C. 1692g ( b ) ( FDCPA Dispute Provision ), once an account is disputed, the creditor must cease all collection efforts until the dispute is resolved. 
o Despite my dispute and demand for validation, Bridgecrest has continued collection activity and threats of repossession, which violates federal law. 
4. Potential Fraudulent and Deceptive Practices o Bridgecrest has continued to demand payments while failing to substantiate the lawful existence of the alleged debt.

o Under 12 CFR 229.34 ( Warranties & Indemnities ), financial institutions must operate in good faith and honor negotiable instruments properly tendered. However, they have refused to process my lawful instrument presented in settlement of the alleged obligation.

5. Violation of UCC and Consumer Protection Laws o Under UCC 3-603 ( b ), if a tender of payment is made and refused, the obligation is discharged. I have submitted alternative tender per UCC and Title 31 banking laws, yet they refuse to apply it. 
o Their threat of repossession while failing to process lawful payments is a bad-faith collection practice. 
6. UCC-11 Search & Security Interest in the Vehicle o I conducted a UCC-11 lien search under the name XXXX XXXX, and there are no liens attached to this name. 
o As a result, I filed a UCC-1 lien against the vehicle, securing my priority interest in the property. 
o Bridgecrest has no recorded security interest in the vehicle, meaning they lack lawful standing to claim the right to repossess or enforce an obligation. 
XXXX Credit Reporting Violations FCRA ( 15 U.S.C. 1681s-2 ) o Bridgecrest must report accurate information to credit bureaus. Any negative reporting based on an unverified, improperly handled debt violates the Fair Credit Reporting Act ( FCRA ). 
o I demand the removal of any derogatory marks regarding this account and proper reporting of the account as " Paid as Agreed. '' 8. Demand for Immediate Release of Lien & Title o Since Bridgecrest has no security interest in the vehicle, I demand the immediate release of the lien and title for the XXXX XXXX XXXX ( VIN : XXXX ). 
o Any continued claim over this property is fraudulent and unenforceable. 
Resolution Requested A full investigation into Bridgecrests collection and accounting practices. 
An order directing Bridgecrest to validate the debt per federal requirements or cease collections immediately. 
Acknowledgment that I hold the superior security interest in the vehicle and that Bridgecrest has no lawful claim. 
Correction of my credit report to remove any negative reporting related to this account. 
Immediate release of the lien and title to my vehicle, as Bridgecrest has no lawful claim over it. 
Cease all collection activity, including repossession threats, until the dispute is resolved per federal law. 
Bridgecrest must immediately provide all missing billing statements and comply with TILAs disclosure and billing error resolution requirements.

Company response to consumer: Closed with explanation