Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
On the night of XX/XX/XXXX, Bridgecrest sent a tow service ( XXXX XXXX XXXX ) to my home to repossess my XXXX XXXX XXXX - even though I tendered payment via a proper Negotiable Debt Instrument ( NDI ) on XXXXwo ( 2 ) separate occasions to discharge the outstanding balance of {$23000.00} with Bridgecrest. The XXXX XXXX sent to me from Bridgecrest, dated XX/XX/XXXX, was accepted for value and consideration. I sent Bridgecrest an email notification, dated XX/XX/XXXX, that a Negotiable Debt Instrument ( NDI ) was presented to the United States Department of the Treasury via Certified Mail to discharge the entire balance. Secondly, on or around XX/XX/XXXX, I mailed directly to Bridgecrest ( XXXX XXXX XXXX, Bridgecrest, XXXX XXXX XXXX, XXXX Floor, XXXX XXXX, CA XXXX ) the attached transmittal and Negotiable Debt Instrument ( NDI ) for processing through their financial institution and the Federal Reserve XXXX. To date, I have never received a Notice of Dishonor for either presentment nor have I received my NDI back from this company. Under Uniform Commercial Code ( XXXX ) XXXX ( b ), If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Therefore, this DEBT IS XXXX! Moreover, the law provides recourse if tender is refused. The following verbiage listed on Bridgecrest 's XXXX XXXX directly violates XXXX XXXX by instructing customers not to write without recourse on a payment : You agree not to send us payments marked paid in full, without recourse, or similar language. If you send such a payment, we XXXX accept it without losing any of our rights under the credit agreement, and you will remain obligated to pay any further amount owed to us. These statements reveal their blatant disregard for XXXX law, knowledge of Negotiable Debt XXXX ( NDIs ), and their experience processing them. Given that I purchased the vehicle in XXXX ( within XXXX years of purchase ), their failure to disclose the security interests in the vehicle, as intimated on their payoff statement, breach of contract, and deceptive business practices, I reserve my right to rescind the contract under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Bridgecrest and XXXX XXXX XXXX have blatantly violated my consumer rights, Statutory law, and codes by deceptively sending a tow service driver, XXXX, to my home at night to repossess the vehicle, despite my good faith efforts to pay the outstanding balance. I even showed the driver ( XXXX ) hard copies of my submitted NDI to Bridgecrest and my XXXX Financing Statement ( File Number : XXXX ), for which I placed a PRIORITY LIEN OVER MY ESTATE AND ALL ACQUIRED PROPERTY UNDER MY SS #. XXXX contacted the owner of the tow service, XXXX XXXX, and she instructed him to negate my documentation and continue with the repossession. In light of the above, I demand acknowledgement of my consumer rights and the return of my property from Bridgecrest by XXXXXXXX XXXX today ( Tuesday, XX/XX/XXXX ). I am fully prepared to escalate this matter to the judiciary to seek the return of my property and maximum compensatory damages for the theft of my vehicle, violation of my consumer rights, and the extreme mental and physical injury inflicted upon me by all parties involved. Thank you.

Company response to consumer: Closed with explanation