Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I am submitting this complaint against Bridgecrest XXXX XXXX, XXXX ( Bridgecrest ) for improper handling of a reinstatement payment and potential violation of state and federal consumer protection laws relating to repossession and tender of payment. 

On XX/XX/2025, Bridgecrest repossessed my vehicle. On XX/XX/2025, I received an email from Bridgecrest with a Notice of Reinstatement and Notice of Disposition of Collateral, stating that the vehicle would be sold in 10 days unless the reinstatement payment was received at the dedicated address listed in the notice. 

In good faith and within the timeframe specified, I tendered full reinstatement payment in the amount of {$3200.00}, mailed to the listed XXXX XXXX as directed by Bridgecrest. On XX/XX/2025, I contacted Bridgecrest to confirm receipt and was told that if they do not sort through the mail in time, my payment might not be applied before the sale deadline and the vehicle could possibly be sold. 

This response shows bad faith and negligent handling of consumer payment, placing the risk of Bridgecrests own internal mail delays on the consumer, despite my timely tender of payment. 

Legal Basis 1. U.C.C. 3-603 ( b ) Tender of Payment- If tender of payment of an obligation to pay an instrument is made and refused, the obligation is discharged to the extent of the amount of the tender.

My timely mailing of the reinstatement amount constituted lawful tender. Bridgecrests refusal or delay in processing that tender can not be used to justify continued possession or sale of the collateral.

2. U.C.C. 9-610 ( b ) Disposition of Collateral After Default - Every aspect of the disposition, including the method, manner, time, place, and terms, must be commercially reasonable.

Threatening to sell collateral while a valid reinstatement payment is pending and unprocessed violates the requirement of commercial reasonableness.

3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f 1692e prohibits false or misleading representations regarding the status or payment of a debt.

1692f prohibits unfair or unconscionable means of collecting a debt, including refusing to apply timely payments or threatening loss of property after payment was tendered.

4. New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-2 ) - The act prohibits any unconscionable commercial practice, deception, fraud, or misrepresentation in connection with the sale or collection of goods or services.

Bridgecrests refusal to timely process a payment that was properly mailed and received within the reinstatement period constitutes an unconscionable commercial practice under New Jersey law. 


Requested Relief Immediate return or reinstatement of my vehicle, or reimbursement of all losses incurred due to wrongful disposition.

Written confirmation that my payment was received and applied within the required period.

Assurance of compliance with UCC, FDCPA, and state consumer laws to prevent further harm to other consumers. 

Date of Repossession : Monday, XX/XX/2025 Notice of Reinstatement/Disposition Sent : XX/XX/2025 Tendered Payment : {$3200.00}, mailed to Bridgecrests listed XXXX XXXX Date of Tender : XX/XX/2025 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation