This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 1,304 complaints

Bridgecrest Acceptance Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade D.

Complaints by issue type

What consumers report about Bridgecrest Acceptance Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 53.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Bridgecrest Acceptance Corporation ranks ahead of 21% of the 5,283 collectors PlainCollector grades - 79% keep a cleaner CFPB record, on 1,304 all-time complaints and a 98% timely-response rate.

21st pct
reputation rank of 5,283 graded collectors
1,304
CFPB complaints, all-time
98%
answered inside the CFPB window
505
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Bridgecrest Acceptance Corporation?

Bridgecrest Acceptance Corporation has accumulated 1,304 total CFPB complaints across 39 states, with 505 filed in the most recent 12 months against 799 historical complaints before that window. The trailing-12-month volume represents 38.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 98% timely-response rate against a 29% consumer-dispute-after-response rate.

Complaints have been recorded across 39 states, led by Georgia with 179 and Texas with 178. Normalized against the full CFPB collector database, the reputation score of 53.0/100 places Bridgecrest Acceptance Corporation in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,304

high-volume (CCDB)

Last 12 months

505

38.7% of all-time complaints

Rising ↑

States active

39

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

29%

elevated (vertical avg ~19%)

Reputation grade

D

53.0/100 composite

How does Bridgecrest Acceptance Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

53 Bottom 21% higher than 21% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Bridgecrest Acceptance Corporation versus the debt-collection vertical average.

Timely response within SLA 97.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 28.6%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 69.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Bridgecrest Acceptance Corporation compare to its peers?

How does Bridgecrest Acceptance Corporation compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Bridgecrest Acceptance… National average
Complaints (last 12 mo)lower is better
505
275
268
Timely-response ratehigher is better
98%
100%
91%
Consumer-dispute ratelower is better
29%
20%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 533
Took or threatened to take negative or legal action - 289
False statements or representation - 199
Written notification about debt - 181
Communication tactics - 71
Threatened to contact someone or share information improperly - 18
Electronic communications - 9
Cont'd attempts collect debt not owed - 2
Disclosure verification of debt - 2

Where do complaints against Bridgecrest Acceptance Corporation come from?

Bridgecrest Acceptance Corporation's own per-state count, not a national baseline.

Top states by complaints against Bridgecrest Acceptance Corporation

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Bridgecrest Acceptance Corporation contacts you

A grade of D signals how Bridgecrest Acceptance Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Bridgecrest Acceptance Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Bridgecrest Acceptance Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Bridgecrest Acceptance Corporation? ▼

The most common issue consumers report about Bridgecrest Acceptance Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,304 complaints filed with the CFPB.

Are complaints against Bridgecrest Acceptance Corporation increasing or decreasing? ▼

Complaints against Bridgecrest Acceptance Corporation are rising. The company received 505 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Bridgecrest Acceptance Corporation's reputation grade? ▼

Bridgecrest Acceptance Corporation has a reputation grade of D (score: 53.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Bridgecrest Acceptance Corporation respond to consumer complaints? ▼

Bridgecrest Acceptance Corporation has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 29% of cases.

In how many states does Bridgecrest Acceptance Corporation operate? ▼

Bridgecrest Acceptance Corporation has received CFPB complaints from consumers in 39 states, with the most complaints from Georgia (179 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.