Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
XXXXI am filing this complaint regarding my vehicle purchase from XXXX XXXX XXXX XXXX XXXX, which was financed through Bridgecrest, and the subsequent repossession, sale, and handling of the vehicle through XXXX auction services. I would like to note that, I had repeatedly reached out to bridgecrest to voluntary repossess the vehicle due to constant issues , and they repeatedly advised me they could not. XXXXFrom the time of purchase, there were significant issues that suggest the vehicle was misrepresented and not in the condition advertised. XXXX promoted the vehicle as having passed a XXXX-point inspection, yet they have repeatedly refused to provide documentation identifying what components were inspected, repaired, or replaced. Shortly after delivery, substantial mechanical issues became apparent, indicating pre-existing problems that were not disclosed prior to sale. These issues contributed to total transmission failure, XXXX XXXX XXXX XXXX XXXX other major repairs to numerous engine, powertrain and transmission. XXXXThere were also concerns regarding the vehicles mileage accuracy that were discovered while researching for my complaint filed with XXXX State Attorney Generals office. Documentation from the National Motor Vehicle Title Information System (NMVTIS) and a XXXX state inspection report which records data directly from the vehicles onboard computer indicated discrepancies inconsistent with the mileage represented at the time of sale. Despite raising these concerns, I received only generic responses from XXXX and no substantive explanation or documentation.XXXXAfter ongoing problems and total transmission failure, the financial hardship, the vehicle was repossessed in XXXX XXXX, picked up, finally in XXXX XXXX by Bridgecrest. At the time of repossession, the vehicles mileage was approximately in the XXXX-mile rangeXXXXIn XXXX XXXX I received a lien notice stating that the vehicle had been found abandoned in a XXXX tunnel and towed by the XXXX State Police and XXXX XXXX. The notice listed a mileage of approximately XXXX miles a discrepancy of over XXXX miles lower than the mileage at repossession. The vehicle was also reported to have been displaying a false license plate registered to a rental company and for a different vehicle make. This lien was put in my name, since they used fake plates, and broke down and was left there. Bridgecrest and XXXX were fully aware the car was undrivable due to total transmission failure that required XXXX in repairs. This amount did not include other issues that may arise.XXXXAt the time of this incident, my insurance and registration had already been canceled months earlier, and the vehicle had been in the lenders possession since repossession. This raises serious concerns regarding the chain of custody, odometer accuracy, and handling of the vehicle after it left my possession.XXXXBridgecrest has informed me that the vehicle was sold through XXXX auction services for XXXX, leaving me with a loan deficit of over XXXX XXXX Bridgecrest, and XXXX are all part of the same corporate structure. Despite multiple requests, I have been unable to obtain complete documentation regarding the repossession, transport, condition reports, auction intake records, sale details, or odometer disclosures. My requests for these records have largely been ignoredXXXXThe combination ofXXXXrefusal to provide inspection documentation\nevidence of pre-existing undisclosed defectsXXXXverified mileage discrepancies at saleXXXX subsequent odometer discrepancy exceeding XXXX miles after repossession\nuse of a false license plate while the vehicle was in lender custodyXXXXlack of transparency regarding repossession and auction recordsXXXXraises serious concerns about misrepresentation, inaccurate reporting, and improper handling of the vehicle. XXXX, Bridgecrest and XXXX are essentially buying cars from themselves, eve. Ones with major mechanical defects, just clearing engine codes, use used or defective parts to resell the vehicle under their own brand. XXXXAs a legally disabled consumer living on a fixed income, this situation has caused significant financial harm and distress. I am requesting a full investigation, complete documentation of the vehicle prior to my purchase, including any repair, refurbishment made to the vehicle, who inspected the vehicle, where inspection was conducted and by whom, copies of origjnal title, repossession and sale process, who had possession of the car when abandoned, why it had fake plates on it, correction of any inaccurate credit reporting, and appropriate monetary relief including full reimbursement of losses where applicable. I bought this car to alleviate stress on my family while going through substantial medical issues. This caused more stress and harm than anything.'

Company response to consumer: Closed with explanation