Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
CFPB COMPLAINT BRIDGECREST, XXXX, XXXX, XXXX XXXX : XXXX, XXXX Summary of the problem I am filing this complaint because Bridgecrest continued collections, allowed repossession, and reported a deficiency balance on a vehicle that had a documented mechanical defect, a failed warranty repair, and an active dispute that I attempted to resolve through a formal XXXX request in XX/XX/XXXX. The defect existed early, was verified by an authorized repair facility, and was never properly repaired. XXXX denied the second repair using mileage as a technicality, despite the defect being pre-existing and the first repair failing. Bridgecrest continued collections and repossession activity despite being aware of the dispute, the failed repair, and my hardship as a XXXX veteran on limited income. Detailed timeline of events XX/XX/XXXX : I purchased the vehicle from XXXX. XX/XX/XXXX : I reported a transmission defect to XXXX. XXXX XXXX # XXXX : XXXX verified the transmission defect and performed a transmission replacement and programming under warranty. XX/XX/XXXX : The defect returned, including drivability issues and fluid leakage. XXXX denied the second repair due to mileage, even though the defect existed before the mileage limit and the first repair failed. XX/XX/XXXX : I submitted a formal ADR request to XXXX, XXXX, and XXXX. I received no meaningful response. XXXX : Bridgecrest reported a repossession balance and deficiency despite the unresolved mechanical defect and active dispute. Documents supporting the defect and failed repair I am providing the following documents upon request : XXXX XXXX documents, including the XXXX XXXX Inspection, Cosmetic Inspection, Controls and Features Inspection, and Plastic Inspection. These documents show XXXX represented the vehicle as mechanically sound, with no drivability issues, no transmission issues, and no abnormal noises or vibrations. XXXX XXXX # XXXX documenting the verified transmission defect, the transmission fluid replacement, and the programming performed. XXXX XXXX # XXXX documenting my out-of-pocket payment and the continued mechanical issues after the first repair. Warranty document showing XXXX coverage for defects in materials or workmanship, including labor. My ADR letter from XX/XX/XXXX showing early notice, good-faith dispute resolution attempts, and the companies failure to respond. Statements from XXXX personnel, including the regional manager ( XXXX XXXX and the shop owner, acknowledging that a failed transmission after installation is rare, that the mileage denial was a technicality, and that they contacted XXXX regarding the issue. Why this violates federal law Bridgecrests actions constitute Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under 12 U.S.C. 5531 and 12 U.S.C. 5536. Unfair practices : Continuing collections despite a known mechanical defect. Allowing repossession during an active dispute. Ignoring my hardship as a XXXX veteran. Deceptive practices : Failing to provide call logs, account notes, repossession documents, or deficiency calculations. Misrepresenting the status of the account while a dispute was active. Abusive practices : Taking advantage of my lack of transportation and financial vulnerability. Ignoring a failed warranty repair and documented defect. Why the repossession and deficiency balance are improper The defect existed before the mileage limit. The first repair failed. XXXX denied the second repair using a technicality. I submitted a formal ADR request in XXXX. Bridgecrest continued collections despite the dispute. Bridgecrest allowed repossession despite the dispute. Bridgecrest reported a deficiency balance despite the dispute. These actions violate UDAAP standards and constitute improper repossession activity. What I am requesting I request that the CFPB require Bridgecrest to : Provide all call logs, account notes, and internal communications. Provide all repossession documents and deficiency balance calculations. Provide all communications with XXXX and XXXX regarding my account. Investigate the improper repossession and deficiency balance. Remove the deficiency balance and correct all negative credit reporting. Hardship statement I am a XXXX veteran on limited income. The mechanical defect, failed repair, and denial of warranty coverage left me without reliable transportation and caused significant financial strain. Bridge crest 's actions worsened this hardship by continuing collections and allowing repossession despite a legitimate dispute.

Company response to consumer: Closed with explanation