Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
XX/XX/XXXX I purchased a vehicle using an auto loan serviced by Bridgecrest.

Loan principal approximately {$23000.00}, monthly payment {$570.00}.

Starting on XXXX through XXXX of XXXX, Bridgecrest contacted me using misleading caller ID information, calls appearing as " XXXX XXXX '' not a name associated with my account or Bridgecrest. I also received a call from " XXXX '' after I requested written communication only and after they told the XXXX  they could not reach me by phone or discuss my account by email. This raises concerns about deceptive communication practices. 

XXXX XXXX XXXX I sent Bridgecrest multiple written notices requesting verification of the loan, proof of lien perfection, an itemized accounting, and written communication only due to the multiple caller ID issues.

Bridgecrest did not respond to these requests. 

XX/XX/XXXX I sent a formal Debt Validation Request asking for : Full accounting Signed contract Chain of assignment Interest calculations Proof of secured interest All communication logs Bridgecrest did not provide any of the requested materials. 

XX/XX/XXXX Bridgecrest began reporting the account as 60 days late, even though the account was under active dispute and validation was pending. 

XX/XX/XXXX XXXX  reported the account at {$23000.00} balance. 

XX/XX/XXXX Without explanation, Bridgecrest reduced the reported balance by {$900.00}, showing a new charge-off balance of {$23000.00}. 
No accounting was provided to explain this change. 

Early XX/XX/XXXX Bridgecrest sent a generic email stating they can not discuss the account via email, contradicting their written response submitted through the XXXX  system. 

XX/XX/XXXX A repossession agent arrived at my home attempting to take the vehicle.

I informed him the account was disputed.

He stated Bridgecrest would go through court.

Pictures of the vehicle were taken. 

XX/XX/XXXX Multiple additional repo agents appeared at my home. 
Bridgecrest had provided my personal and account information to several third-party repossession companies despite the dispute. 

XX/XX/XXXX I sent Bridgecrest a Notice of Default for Failure to Respond to my validation requests and gave them 10 days to cure. 
They did not respond and did not cure the issues. 

XXXX XXXX I sent an affidavit documenting non-response and ongoing repo attempts. 
Bridgecrest still did not validate the debt or provide any documents. 

Late XX/XX/XXXX Experian began reporting the loan as : Open. {$24000.00} written off. {$23000.00} past due.

This is contradictory reporting ( open + charged off + past due ) with no explanation.

To date Bridgecrest has : Not validated the debt Not provided any accounting Not provided proof of lien perfection Not provided chain of assignment Not explained the {$900.00} balance change Not responded in writing Shared my information with repo companies Continued repossession attempts after charge-off Reported inconsistent and contradictory information to XXXX I have repeatedly attempted to resolve this in writing. Bridgecrest has not provided any documentation, has continued collection and repossession attempts, and is reporting misleading and inconsistent account information.

Company response to consumer: Closed with explanation