Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Subject : Bridgecrest Auto Loan FCRA Violations, Defective Vehicle, and Request to Prevent Unfair Credit Reporting I am submitting this complaint regarding my auto loan account with Bridgecrest for a XXXX XXXX XXXX that was purchased through XXXX. Shortly after purchase, I began experiencing serious mechanical issues with the vehicle. I was directed to use XXXX warranty provider for repairs ; however, the handling of these repairs resulted in further damage to the vehicle, ultimately leading to catastrophic engine failure. I have since been advised that the cost of repair exceeds {$10000.00}. At this time, I have been left with a non-operable vehicle, a substantial loan balance, and no meaningful assistance from either XXXX or the warranty company ; This situation has created significant financial hardship that was not caused by negligence on my part, but rather by the sale of a defective vehicle and subsequent improper repair handling. Despite my efforts to address and resolve this matter, I have not received adequate guidance, support, or resolution options from Bridgecrest. Additionally, I am extremely concerned about the potential for premature, inaccurate, or unfair credit reporting associated with this account while I am actively attempting to resolve these issues. Under the Fair Credit Reporting Act ( FCRA ), including but not limited to : - 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information - 15 U.S.C. 1681s-2 ( b ) Duty to investigate disputed information - 15 U.S.C. 1681e ( b ) Requirement to ensure maximum possible accuracy - 15 U.S.C. 1681i ( 611 ) Right to dispute inaccurate or incomplete information Bridgecrest is required to ensure that any information furnished is accurate, complete, and not misleadingespecially under circumstances involving disputed liability and third-party fault. At this time, I formally request the following : - A complete account history and payment ledger - Documentation of all notices sent, including any default, repossession, or deficiency notices as required by law - A detailed breakdown of the total amount allegedly owed, including all fees and calculations - Written confirmation of whether this account has been reported or is scheduled to be reported to any credit bureau Additionally, I request that Bridgecrest : - Place a temporary hold on any negative credit reporting while this matter is under review - Provide all available hardship, deferment, or settlement options- Conduct a thorough investigation into this matter considering the defective condition of the vehicle and third-party repair failures- Ensure compliance with all applicable federal and state consumer protection laws I am acting in good faith to resolve this matter and expect a prompt and complete response. If this issue is not addressed appropriately, I am prepared to pursue further action to protect

Company response to consumer: Closed with explanation