Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Follow-Up Complaint : Unlawful Disposition of Secured Collateral Despite Notice of Litigation Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MI XXXX ( XXXX ) XXXX Vehicle : XXXX XXXX XXXX XXXX : XXXX CFPB Complaint Nos. : XXXX, XXXX, XXXX, XXXX, XXXX Respondents : Bridgecrest Acceptance Corporation XXXX, XXXX I. Unlawful Transfer of Collateral On or about XX/XX/XXXX, my vehicle was unlawfully repossessed from my private property at XXXX XXXX, XXXX, MI XXXX without any court order, advance notice, or proper legal process. At the time of the XXXX, I was recovering from a disabling ankle injury and was fully dependent on the vehicle for transportation. 

Despite being placed on formal notice of pending litigation in XXXX XXXX XXXX XXXX and being informed of my perfected UCC Security Interest ( Filing XXXX ), Bridgecrest proceeded to relocate the vehicle from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. 

This relocation clearly demonstrates intent to dispose of the property, transfer title, or liquidate the asset in disregard of my legal rights as the titled owner and secured party. 

II. Violations and Misrepresentation 1. Lack of Required Notice Bridgecrest admitted in their XX/XX/XXXX response that the account was charged off XX/XX/XXXX, the vehicle was repossessed XX/XX/XXXX, and Notice of Disposition mailed after repossession. 
This violates XXXX XXXX and XXXX  XXXX, which require advance notice before disposition. 
2. Misrepresentation Regarding Payments Bridgecrest and XXXX falsely claimed no payments were made. Their own records reflect : {$4.00} payment on XX/XX/XXXX {$220.00} credit XX/XX/XXXX {$1800.00} service contract refund applied XX/XX/XXXX. 
These false statements show bad faith and misleading reporting. 
3. Failure to Provide Billing Statements I made multiple requests for billing statements and account ledgers. Bridgecrest refused, citing paperless policy, leaving me unable to verify or dispute alleged balances.

This violates 15 U.S.C. 1692g ( validation of debts ) and Michigan contract law.

4. Disposal in Violation of Notice After formal notification of active litigation and lien, the vehicle was transferred to an auction facility. 
This constitutes conversion of secured collateral, interference with legal proceedings, and potential violations of XXXX  XXXX. 

III. Requested Regulatory Action I respectfully request that the CFPB take immediate action to : 1. Direct Bridgecrest and XXXX to halt any sale or transfer of VIN XXXX at XXXX XXXX. 
2. Compel them to provide a full and accurate account history including all payments and credits.

3. Order them to correct false statements made in their XX/XX/XXXX response. 
4. Investigate their repossession and post-charge-off auction practices, particularly when accounts are under dispute.

5. Issue sanctions or corrective orders for bad faith conduct.

IV. Certification Bridgecrest and XXXX are attempting to sell secured collateral in direct defiance of active litigation and lien priority. This is not a good faith error it is a pattern of unlawful conduct. I am asserting all rights reserved under the UCC, state law, and federal consumer protection statutes. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation