Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Michigan [ XXXX ] Phone : ( XXXX ) XXXX Date : Done in the Light of Day XXXX XXXX XXXX XXXX XXXX  To : Bridgecrest Acceptance Corporation Legal Department XXXX XXXX XXXX Legal Department XXXX XXXX XXXX Licensed Collection Agency XXXX XXXX XXXX Owner/Responsible Manager, XXXX XXXX XXXX RE : Final Dispute of Unlawful Repossession and Demand for Immediate Remedy Vehicle : XXXX XXXX XXXX XXXX : XXXX I, Executor of the XXXX XXXX XXXX XXXX, Estate, formally dispute and contest the unlawful repossession of the above-referenced vehicle by Bridgecrest/XXXX and its agent, XXXX XXXX XXXX, acting under the authority and responsibility of its Owner/Manager, XXXX XXXX XXXX. 

1. Failure to Provide Notice No lawful notice of default or repossession was provided prior to seizure, in violation of Michigan law and UCC Article 9.

2. No Court Order or Judicial Process No valid court order was obtained. Repossession without judicial process, from a private residence, constitutes trespass and breach of the peace under MCL 440.9609 ( 2 ).

3. Trespass on Private Property The vehicle was taken from XXXX XXXX, XXXX, MI XXXX, a property clearly marked with No Trespassing signs. Entry was unlawful.

4. Missing Personal Property Valuable property inside the vehicle at the time of repossession has not been returned, constituting conversion.

5. Failure to Provide Title Bridgecrest/XXXX f

ailed to provide a physical title despite repeated assurances.

6. Defective Vehicle and Extended Repair The truck required more than three months of repairs at an authorized facility before being returned to me.

7. Depreciation of Vehicle Value Within approximately two weeks after purchase, the vehicle began suffering severe mechanical failures. As a result of these immediate repair needs and extended downtime, the fair market value of the vehicle was substantially diminished, causing further financial harm.

8. Conflicting Account Balances Bridgecrest/XXXX  reported materially conflicting balances ( {$25000.00} vs. {$27000.00} ). My Notice to Cure regarding these discrepancies was ignored, and repossession proceeded unlawfully. 

9. XXXX  Own Valuation In XX/XX/XXXX, XXXX itself valued the truck at only {$19000.00}, which is thousands of dollars below the alleged balances reported by Bridgecrest. This proves the account was underwater, demonstrates depreciation from the defective condition, and exposes fraudulent accounting practices by the Defendants.

10. Failure to Provide Billing Statements Despite my rep
eated requests, neither Bri
dgecrest nor XXXX has ever furnished a proper billing statement for the alleged account. You can not lawfully enforce or collect a debt that you refuse to validate with actual account records. This omission violates the Truth in Lending Act ( 15 U.S.C. 1637 ( b ) ), the Fair Credit Reporting Act, and the FDCPA ( 15 U.S.C. 1692g ).

11. Final Demand Ignored On XX/XX/XXXX, I served a Final Demand to Cure and Statement of Account by certified mail. You failed to cure within the 10-day deadline, ratifying dishonor.

12. Damages Due to Disability On XX/XX/XXXX, I sustained a XXXXXXXX XXXX. The vehicle was essential for medical appointments and its unlawful seizure compounded hardship and injury.

Compensation for Harm You are jointly and severally liable for : - Loss of use of vehicle ; - Loss of personal property inside the truck ; - Emotional distress and physical hardship ; - Diminished market value caused by immediate mechanical failures and extended repair history ; - XXXX own valuation ( {$19000.00} ) vs. alleged balances ( {$25000.00} / {$27000.00} ), proving depreciation and unlawful overcharging ; - Liability for reporting and enforcing an alleged debt while refusing to furnish basic account statements upon request ; - Daily damages of $ XXXX/day for loss of use from XX/XX/XXXX at XXXX XXXX until the truck and contents are returned ; - $ XXXXday penalty fee against XXXXXXXX XXXX XXXX and XXXX XXXX XXXX for unlawful seizure and continued withholding of property.

Final Demand You are hereby ordered to, within 10 calendar days of receipt : 1. Return my vehicle and all personal property.

2. Provide written inventory of any removed items. 
3. Compensate daily damages at $ XXXX/day.

4. Pay $ XXXX/day penalty fee to the Estate, accruing since XX/XX/XXXX. 
5. Compensate for the loss of value, including the gap between XXXX {$19000.00} valuation and your inflated balances. 
XXXX. Issue proper IRS reporting ( 1099-A/1099-C ) if you claim debt is charged off. 
7. Provide full remediation of the vehicles defects and warranty failures. 

Failure to cure will result in : - Civil litigation in XXXX County Circuit Court, - UCC enforcement including liens and offsets, - Regulatory escalation to CFPB, FTC, and the Michigan Attorney General. 

Respectfully, __________________________ XXXX XXXX XXXX XXXX, Executor XXXX XXXX XXXX XXXX, Estate

Company response to consumer: Closed with explanation