Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am writing to formally address serious grievances involving the illegal handling of my debt, unlawful credit practices, and breaches of federal consumer protection laws. After having given 30 days to respond and correct this account and removing them from any and all deceptively gained security interest, I'm forced to file this complaint and demand remedy. This letter serves as a final notice to remedy all outstanding issues, halt all illegal activities, deposit my earned securities to the account of my choosing, report all accounts " paid as agreed '' immediately, and address my damages as outlined below. Failure to do so will result in immediate legal action. The following federal statutes and regulations are hereby cited in support of my position and further illustrate your violations. I respectfully request you review each one and cease all unlawful practices immediately. Truth in Lending Act ( TILA ) Violations Your organization has failed to uphold transparency and fairness, violating 15 U.S. Code 1601 et seq., which is designed to promote consumer credit disclosure. Specifically : 15 U.S. Code 1666 ( B ) : Failure to provide a fair and prompt resolution for billing errors. 15 U.S. Code 1602 ( g ), ( j ), ( i ), ( k ), ( p ) : Misuse of my credit and failure to provide clear terms as defined by these clauses. 15 U.S. Code 1604 ( a ), ( b ) : Lack of disclosure in credit-related advertisements and failure to comply with federal requirements in disclosures. 15 U.S. Code 1605 and 1606 : Incorrect assessment and lack of clarity in finance charges and other costs. Consumer Law Violations and Privacy Breaches Under 12 U.S. Code 1431, 15 U.S. Code 1681n, 1681o, 1681s, as of 9/30/2025 your company has : Misused my private financial information. Failed to ensure proper security and confidentiality as mandated by federal law. Violated privacy standards through improper data handling and unauthorized disclosure of my personal data. Illegal Debt Collection Practices Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ), your actions have constituted : Harassment ( 1692d ), misleading representation ( 1692e ), and unfair practices ( 1692f ). Falsifying information concerning the amount owed and failing to validate the debt under 15 U.S. Code 1692g. Forgery and Unauthorized Use of My Information Your company has unlawfully used and forged my information, violating 15 U.S. Code 1640 and 1692k, resulting in damages that I am entitled to claim in a court of law. I have never given consent verbally, by letter or any other method authorizing Bridgecrest Acceptance Corporation to share my personal information and any and all assumptions, representations or warranties to the contrary are false. Under federal law, all furnishing agencies and banks are held by the law to do right and if not then prison and money is the remedy to be paid back to me, the affected consumer. Your continued failure to act in this matter is unacceptable and I expect the clear title to my current vehicle, repayment for the illegally repossessed and sold vehicle, all securities from both contracts and further failure to provide immediate remedy in this regard will result in federal charges of securities fraud.

Company response to consumer: Closed with explanation