Vehicle loan or lease -- Problem with a company's investigation into an existing problem -- Complaint #18126430
Complaint Overview
Complaint ID: 18126430
Company: Bridgecrest Acceptance Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Illinois
ZIP Code: 601XX
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased a XXXX XXXX XXXX ( VIN : XXXX ) from XXXX in XX/XX/XXXX. XXXX represented the vehicle as having approximately XXXX miles, and this mileage was included in the XXXX purchase contract and the XXXX odometer disclosure. I recently attempted to trade in the vehicle, and the dealership informed me that the vehicle shows a confirmed odometer rollback that occurred in XX/XX/XXXX, XXXX months before XXXX sold it to me. Independent vehicle history reports, including XXXX and XXXX data, show that the mileage was rolled back prior to XXXX acquiring and selling the vehicle. XXXX never disclosed any mileage discrepancy. I relied on the mileage they provided when signing the retail installment contract. When I discovered the rollback, I contacted XXXX and Bridgecrest ( the lender ) multiple times. Neither XXXX nor Bridgecrest investigated or provided assistance. Because the loan amount was based on incorrect mileage and the value of the car was significantly lower than represented, I stopped paying while requesting an investigation. The vehicle was later repossessed by Bridgecrest and reported on my credit, causing severe financial damage. Laws potentially violated : Federal Odometer Act ( 49 U.S.C. 32710 ) Illinois Consumer Fraud and Deceptive Business Practices Act Sale of a vehicle with materially inaccurate mileage Failure to investigate a legitimate fraud complaint What I am requesting : Removal of the repossession from my credit reports Correction of all inaccurate loan information Compensation or settlement for being sold a vehicle with incorrect mileage A full investigation into the odometer rollback prior to sale Correction of my account and financial harm caused by this issue I have documentation including : XXXX purchase contract Odometer disclosure XXXX report showing rollback in XX/XX/XXXX My communication attempts with XXXX and Bridgecrest I am requesting assistance because XXXX will not respond to email inquiries, and many of their published executive/legal email inboxes are no longer active. I need help obtaining a proper investigation and resolution.
Frequently Asked Questions
What is Complaint #18126430 about?
Complaint #18126430 was filed against Bridgecrest Acceptance Corporation regarding Vehicle loan or lease specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-03T12:00:00-05:00.
How did Bridgecrest Acceptance Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Bridgecrest Acceptance Corporation?
Yes, visit the Bridgecrest Acceptance Corporation company profile at readthecomplaint.com/company/bridgecrest-acceptance-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.