Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am submitting a complaint against Bridgecrest Acceptance Corporation for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and unlawful repossession practices in connection with my XXXX XXXX XXXX. 

Background Facts : - On or about XX/XX/XXXX, at approximately XXXXXXXX XXXX, a repossession agent contracted by Bridgecrest attempted to repossess my vehicle while I was seated inside the car - The agent lifted my vehicle with me inside it, refused to lower the vehicle after my repeated verbal objections. I was forced me to drive off the tow lift to protect myself.

- I immediately called XXXX during the incident, creating a contemporaneous record of my fear, distress, and the unlawful repossession activity. 
- This repossession attempt constituted a breach of peace under UCC 9-609 ( b ) and a violation of the FDCPA, specifically 15 U.S.C. 1692f ( 6 ), which prohibits taking nonjudicial action to dispossess a consumer without a lawful right or through intimidation and coercion. 
- Following this event, I submitted complaints to local authorities, including the XXXX XXXX XXXX XXXX XXXX Government Officials, documenting the incident. 

Ongoing Violations After XX/XX/XXXX : Despite Bridgecrest being aware of the unlawful breach of peace, they have continued to dispatch repossession agents to attempt self-help repossessions without obtaining a court order, including but not limited to : - A recent attempted repossession on XX/XX/XXXX, in a shopping center lot while I was seated inside the vehicle, where a tow truck attempted to lift my vehicle without warning. 
- A prior incident in XXXX, XXXX XXXX where a tow operator began lifting the vehicle while occupied but immediately stopped after realizing the car was occupied. 

These continued attempts have caused ongoing severe emotional distress, fear for my personal safety, and significant disruption to my daily life. 

Legal Violations Committed by Bridgecrest : - Violation of FDCPA 15 U.S.C. 1692f ( 6 ) : ( Using unfair or unconscionable means to repossess without a lawful present right of possession. ) Breach of Peace under Georgia law and UCC 9-609 ( b ) : ( Repossession must be conducted peacefully ; intimidation, danger, or confrontation invalidates the right to self-help repossession. ) - Continuing Harassment and Bad Faith Collection Practices : ( Engaging in a pattern of intimidation and vehicle stalking even after the original unlawful breach. ) I have made repeated efforts to resolve this matter directly with Bridgecrest. I offered to bring the account current, which was refused. I requested escalation to management for a possible resolution, which was also denied. Multiple Emails and Faxes to Bridgecrest account servicing questions and concerns have been ignored. Despite my good faith efforts, Bridgecrest removed all pathways for settlement and has continued unlawful repossession activities after the initial breach of peace. 

These actions demonstrate bad faith, ongoing consumer harassment, and reckless disregard for federal and state laws. 

What I Am Requesting from the CFPB : - Immediate investigation into Bridgecrests repossession practices and unlawful debt collection behavior. 
- Assurance that Bridgecrest is directed to cease all self-help repossession attempts without judicial intervention ( i.e., no further stalking or vehicle seizures without a court order ).

- Financial and regulatory penalties against Bridgecrest for its multiple, willful violations. 
- Full cooperation from Bridgecrest to work with me in resolving the dispute fairly and lawfully without further intimidation. 

I am actively preparing legal action against Bridgecrest Acceptance Corporation for violations of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692f ( 6 ), as well as for wrongful repossession and breach of peace under Georgia law, based on the XX/XX/XXXX incident and continuing unlawful repossession attempts. 

These serious ongoing violations have caused substantial economic damages and emotional distress, and have prompted me to seek full judicial remedies alongside this regulatory complaint.

Company response to consumer: Closed with explanation