Vehicle loan or lease -- Repossession -- Complaint #9379351
Complaint Overview
Complaint ID: 9379351
Company: Bridgecrest Acceptance Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Repossession
Sub-Issue: Voluntary repossession
State: California
ZIP Code: 90028
Date Received: 2024-06-28T12:00:00-05:00
Date Sent to Company: 2024-06-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I voluntarily sold my car. I originally about my red XXXX through XXXX and was approved through Bridgecrest. I got into a car accident that I attempted to repair, but due to my loss of job resulting in low income, I could not make the car payments and voluntarily gave up my car to Bridgecrest. They sent me about 3 documents in the mail : one document stating how much is sold, one document asking if I wanted to buy the car or they were going to sell it, then a final letter stating they sold the car and the updated balance owed. I did not receive any other correspondence in the mail nor phone call. I made several calls to update my address and to see about a payment plan. All I was told was that I would have to call in to make a payment over the phone or a payment by money order or cash in the mail. I asked for a payment plan or to settle for lower due to my financial income and on the brink of bankruptcy. They denied and said they couldn't do that and to just call. I have since asked for validation of debt to be mailed to me as well as requesting a 1099C as they reported my account as closed. As they reported this account as closed/charged off on all credit bureaus, they should have sent me a 1099C to me. They have not and this account is still reported on my credit report. I have sent several certified mail requesting documentation and have not had any response to this. All I want to do is correct this in a way that I can afford and they refuse after many attempts on my end.
Frequently Asked Questions
What is Complaint #9379351 about?
Complaint #9379351 was filed against Bridgecrest Acceptance Corporation regarding Vehicle loan or lease specifically about Repossession. It was received by the CFPB on 2024-06-28T12:00:00-05:00.
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.