Total CFPB complaints
1,140
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,140 complaints
Bridgecrest Acceptance Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 38 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Bridgecrest Acceptance Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
449 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
214 complaints
- False statements or representation 168
False statements or representation
168 complaints
- Written notification about debt 167
Written notification about debt
167 complaints
- Communication tactics 43
Communication tactics
43 complaints
D
Grade D · 53.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Bridgecrest Acceptance Corporation?
Bridgecrest Acceptance Corporation has accumulated 1,140 total CFPB complaints across 38 states, with 427 filed in the most recent 12 months against 713 historical complaints before that window. The trailing-12-month volume represents 37.5% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 29% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 38 states, led by Georgia with 160 and Texas with 154, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.0/100 places Bridgecrest Acceptance Corporation in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
427
37.5% of total history
Rising ↑
States active
38
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
29%
After company response
Reputation grade
D
53.0/100 composite
Response-quality profile
How Bridgecrest Acceptance Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 57.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 67.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Bridgecrest Acceptance Corporation compare to its peers?
Bridgecrest Acceptance… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed449 (%)
False statements or representation168 (%)
Took or threatened to take negative or legal action214 (%)
Written notification about debt167 (%)
Communication tactics43 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 220 |
| False statements or representation | Attempted to collect wrong amount | 168 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 149 |
| Attempts to collect debt not owed | Debt was result of identity theft | 119 |
| Written notification about debt | Didn't receive enough information to verify debt | 107 |
| Attempts to collect debt not owed | Debt was paid | 89 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 65 |
| Written notification about debt | Didn't receive notice of right to dispute | 60 |
| Communication tactics | Frequent or repeated calls | 43 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 21 |
Where do complaints against Bridgecrest Acceptance Corporation come from?
The states where consumers have filed the most CFPB complaints against Bridgecrest Acceptance Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Bridgecrest Acceptance Corporation
Across 38 states with at least one filing
- Georgia
Georgia
160 complaints
- Texas
Texas
154 complaints
- Florida
Florida
119 complaints
- California
California
83 complaints
- North Carolina 61
North Carolina
61 complaints
- South Carolina 53
South Carolina
53 complaints
- Pennsylvania 50
Pennsylvania
50 complaints
- Arizona 38
Arizona
38 complaints
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 1,140 complaints filed with the CFPB.
Are complaints against Bridgecrest Acceptance Corporation increasing or decreasing? ▼
Complaints against Bridgecrest Acceptance Corporation are rising. The company received 427 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 38 states, with the most complaints from Georgia (160 complaints).
What can I do if Bridgecrest Acceptance Corporation is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Bridgecrest Acceptance Corporation violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |