Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX | [ Your Email Address ] Vehicle : XXXX XXXX XXXX XXXX : XXXX CFPB Complaint Nos. : XXXX, XXXX, XXXX, XXXX, XXXX Respondent : Bridgecrest Acceptance Corporation I. Failure to Address Certified Correspondence Bridgecrests XX/XX/XXXX response fails to acknowledge multiple certified mailings I sent prior to and following the unlawful repossession of my vehicle. These correspondences contained lawful notices of dispute, demand to cure, and secured interest notifications, none of which Bridgecrest ever rebutted or responded to. 

Their failure to acknowledge or address these communications amounts to : Violation of Fair Debt Collection standards under 15 U.S.C. 1692g ( failure to validate debt ) ; Failure of good faith and fair dealing ; and Procedural omission in their CFPB investigation response.

II. No Notice of First Payment Default Bridgecrest claims my vehicle was repossessed for first payment default but no notice of default was ever sent to me. At no point was I provided a delinquency or acceleration notice prior to repossession. This violates : Michigan law requiring reasonable pre-repossession notice, MCL 440.9610 and 440.9611 ( commercially reasonable notice and disposition ), Basic contractual due process.

III. No Notice of Repossession I also received no repossession notice prior to the illegal seizure on XX/XX/XXXX. I only learned of the repossession after calling 911 to report the vehicle stolen. Bridgecrests claim that a Notice of Disposition was sent the day after the vehicle was seized confirms they did not follow proper pre-notice procedures. 

This constitutes a clear procedural violation and bad faith repossession under both Michigan law and federal consumer protection standards. 

IV. Misrepresentation and Omission in CFPB Response Bridgecrests CFPB response references payment history and disposition timing but omits any acknowledgment of : Certified mail notices sent and received, Lack of default or repossession notices, and The fact that the vehicle was relocated for auction despite pending litigation and XXXXCC lien notice.

This incomplete and misleading response undermines the integrity of their CFPB investigation and further supports my claim of unlawful repossession and disposition.

V. Relief Requested I respectfully demand that the CFPB : 1. Direct Bridgecrest to provide full documentation of all notices allegedly sent, including proof of mailing and receipt ; 2. Investigate their failure to respond to or acknowledge certified legal correspondence ; 3. Compel production of account statements, ledger history, and correspondence logs ; 4. Halt any vehicle sale or transfer until all legal issues and notice deficiencies are resolved ; 5. Investigate potential violations of MCL 440.9610, 440.9611, and federal debt collection law.

VI. Certification Bridgecrest has demonstrated a consistent pattern of procedural omissions, bad-faith repossession, and non-response to lawful correspondence. Their XX/XX/XXXX response is materially incomplete and misleading. 

I hereby certify the facts contained herein are true and accurate to the best of my knowledge. 

Signed : XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation