DriveTime

July 9, [redacted] Revdex.com Ph [redacted] Fax [redacted] Re: Complaint # [redacted] Dear Ms [redacted] , Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns On June 2, 2007, our customer entered into a Simple Interest Retail Installment Contract when she purchased a [redacted] Included you will find the Simple Interest Retail Installment Contract for your reference On November 11, 2009, our customer defaulted on the terms of her contract when she voluntarily surrender the vehicle to a DriveTime dealershipTypically, when a vehicle is voluntarily surrender it is sold at auctionThe amount received at auction for the vehicle is deducted from our customer’s remaining loan balanceAfter the vehicle was sold at auction, our customer’s delinquent balance was $4, Our loan advisors utilize a myriad of resources when attempting to assist our customers in bringing their account currentObtaining past due payments quickly is the ultimate goal of our loan advisorsWhen we are unable to reach our customer through the direct contact information provided to us, we attempt to make contact with our customers via their referencesAs there is no "grace period" associated with the Simple Interest Retail Installment Contract, the purpose of keeping in contact is to prevent our customer from accruing additional interest charges, late fees, and possible repossession effortsAt no time do our loan advisors divulge account sensitive information to our customer’s referencesWe apologize for any inconvenience this course of action may have caused our customer After becoming aware of our customers’ concerns, DriveTime researched the manner in which we are reporting on her credit historyAt that time, we were reporting accurately as a "voluntary repossession" to the three (3) major credit agencies On June 30, 2014, DriveTime contacted our customer to address her concernsWe informed her as a one-time courtesy, DriveTime would delete trade-line reporting to the three (3) major credit agenciesDrivetime also waived the delinquency balance of $4,Our customer agrees this course of action adequately addresses her issues, and we have come to an amicable resolutionOur customer was emailed the necessary documents, which detail the steps DriveTime has taken in regards to her credit reporting As a goodwill gesture, DriveTime has mailed our customer a $ [redacted] gift card to her address on file DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at [redacted] Sincerely, [redacted] DriveTime Customer Relations

For full response, please see attachedOn June 14, 2017, DriveTime contacted our customer to discuss her concernsWe again requested she send in a copy of her running bank statement so we can review her claims that a second payment was drafted from her account on May 27,2017; to which our customer agreedAt this time, we have reviewed her transaction history and have been unable to verify multiple payments were drafted from our customer’s account without her authorization On June 21, 2017, DriveTime contacted our customer to inquire if she has been able to obtain a copy of her bank statement for reviewShe explained the payment was actually drafted from her husband’s bank account and she is awaiting documentation from his bankDriveTime is willing to review any possible documentation our customer is able to provide to validate her claims, Bridgecrest does not keep banking account information on file, nor do we have the ability to draft payments from third party bank accounts without authorization from the account holder and confirmation of the bank account and routing number Additionally, our customer advised she has reached out to her insurance for assistance with the needed repairs but has been denied assistanceWe explained we would obtain an itemized estimate of the repairs needed in order to review all possible options to assist our customer including possible payment deferments in an effort to reach an amicable resolution We apologize for any frustration this situation may have caused the complainantWe will continue to remain in contact with our customer to ensure her concerns are addressed DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact our Customer Relations department at (800) 965- Thank you, Danielle C Customer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns On October 28, 2013, our customer entered into a Retail Installment Contract with DriveTime when he purchased a Jeep Grand CherokeeOur customer elected to purchase a year/36,mile vehicle service contract, administered by [redacted] Included you will find the retail installment contract and vehicle service contract agreement for your reference We have made several attempts to contact our customer to discuss his concerns, but have been unsuccessfulOn September 15, we sent a letter via certified mail to our customer’s address on fileThe purpose of this letter is to inform our customer of our attempts to reach out to himWe encourage our customer to contact our Customer Relations department at ***-***-***, to discuss his concerns DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ***-***-*** Sincerely, DriveTime Customer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customers’ concerns On March 23, 2012, our customers entered into a Simple Interest Retail Installment Contract when they purchased a Dodge ChargerThe vehicle came with a year/36,mile limited warrantyIncluded you will find the Simple Interest Retail Installment Contract and the limited warranty for your reference We have attempted to contact our customers to discuss their concerns, but have been unsuccessfulOn September 19, 2014, we sent a letter via certified mail to our customers’ address on fileThe purpose of this letter is to inform our customers of our attempts to reach out to themWe encourage our customers to contact our Customer Relations department at ***-***-***, to discuss their concerns At this time, we are unable to accommodate our customers’ request to return the vehicle without any negative effects to their credit and refund their down paymentHowever, we are able to review the current issues with the vehicle for assistance As a goodwill gesture, DriveTime has credited our customer’s principal balance $ DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ***-***- *** Sincerely, [redacted] DriveTime Customer Relations

January 21, Revdex.com Re: Complaint # [redacted] Dear Ms [redacted] Thank you for bringing this matter to our attentionOn February 20, 2013, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Ford EscapeAttached you will find the Simple Interest Retail Installment Contract for your referenceOn January 11, 2016, at days past due, DriveTime exercised their contractual right to secure the vehicle and assigned the vehicle to be recoveredPlease refer to page of the Simple Interest Retail Installment Contract under “Default”: “You will be in default if you do not make any payment in full when such payment is due If you are in default we may take back (repossess) the Vehicle.” On January 12, 2016, the vehicle was recoveredThat same day, our customer contacted DriveTime in regard to redeeming the vehicleAt that time, we advised our customer we would process a loan modification to defer six payments to the end of her loanOur customer was advised she would be responsible for paying the remainder of her past due balance, any fees associated with the recovery of the vehicle and any storage fees to be paid to the third-party recovery agentOn January 16, 2016, DriveTime contacted our customer and addressed her concernsWe advised that after further review, our customer was advised of all fees associated with the recovery of the vehicleAs a result, DriveTime is unable to assist our customer with the storage fees associated with the recovery of the vehicleAs a goodwill gesture, DriveTime has applied a $credit toward our customer’s accountDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at [redacted] Sincerely, DriveTime Customer Relations Tell us why here

Thank you for bringing this matter to our attentionWe appreciate the opportunity to readdress our customer’s concerns.At this time, we have no new information and are still unable to accommodate our customer’s request.If our customer would like to reinstate his vehicle and loan with DriveTime, he will need to pay $1,by May 15, Our customer would be responsible to pick up the vehicle directly from the auction.If our customer does not wish to reinstate the vehicle by May 15, 2015, the vehicle will be sold at auctionPlease refer to page two of the "Redemption and Reinstatement Form" section labeled "Notice of Sale":" If the vehicle is sold, the sale proceeds will be applied first to the payment of the expenses of retaking, repairing, preparing for sale, and storing of the vehicle and other repossession and collection costs If we get less money than you owe, you still owe us the difference "We encourage our customer to contact the Customer Relations Department to discuss his concerns at ###-###-####DriveTime thanks the Revdex.com for their ongoing support.Sincerely, [redacted] **DriveTimeCustomer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn March 17, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Ford MustangAttached you will find the Simple Interest Retail Installment for your reference.All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centersParts that fail inspection are replacedHowever, if a part is functioning at the time of inspection, there is no need to replace it.DriveTime does not compete on price, nor do we hide itDriveTime’s vehicle pricing is subject to several factors We encourage our customers to research all aspects of their purchaseOur customer had the opportunity to sign and review all documentsDriveTime’s vehicle pricing is subject to several factorsIncluded in the total amount financed are the following benefits:year/36,mile vehicle service contractGPS device providing anti-theft servicesGAP coverage in case of a total lossAt the time of sale, our customer signed and dated the attached Customer Delivery ChecklistPage one of the Customer Delivery Checklist under Important Reminder, states:“Our focus of the multi-point inspection is primarily the safety and reliability of your vehicleWhile the interior, exterior, and paint condition of this vehicle meet DriveTime standards, any pre-owed vehicle may have minor cosmetic issuesWe do not make cosmetic repairsWe also do not repair after sale damage such as body, tire, glass, or road hazard damagePlease insure you are comfortable with the condition of the vehicle prior to purchasing.”At the time of sale, our customer was provided an [redacted] Vehicle History ReportThe attached [redacted] Vehicle History Report may indicate a prior accident record, a rental or government vehicle, registered in a storm area, and/or a theft recordIf any of the items were applicable, these items would be noted in the Vehicle Information section on the [redacted] History reportOur customer signed and acknowledged the vehicle had been in no accidents prior to purchase.At the time of sale, our customer signed and reviewed the attached What You Need to Know about Financing a Vehicle with DriveTimeOn page one under subtitle Vehicle Inspection, it states: “You are purchasing a used vehicle which may have had paint or body work we didn’t perform and are not aware ofYou had an opportunity to inspect you vehicle and are satisfied with it.” On April 3, 2015, we received the attached estimate from our customer to fix cosmetic issues on the vehicle for a total of $1,873.18.On April 6, 2015, we spoke to our customer and informed him that DriveTime would not be covering the cosmetic work to repaint the hood of the vehicleWe offered our customer the option to exchange vehiclesOur customer declined our offer and advised he would be obtaining an attorney.At this time, we are still offering our customer the option to exchange vehiclesWe encourage our customer to contact us, if he chooses to take advantage of this offerThis offer is good until April 30, 2015.As a goodwill gesture, DriveTime has applied a $credit to our customer’s principal balanceDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely,DriveTimeCustomer Relations

March 18, Re: Complaint#: [redacted] To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn October 27, 2011, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Pontiac GAttached is the Simple Interest Retail Installment Contract for your referenceAt time of sale, our customer agreed to make bi-weekly payments of $and final payment of $201.46, beginning November 12, 2011, with a 21.214% Annual Percentage Rate, DriveTime offers several payment options for our customers’ convenience, including no and low cost optionsFor example, customer can sign up for recurring ACH (“AutoPay”) at no cost Our customers are also able to make a payment over the phone, online, or via text with Western Union (“Speedpay”)Both options are processed by a third party vendor who charges a $convenience fee for every payment madeOur customers’ also have the option to make an in-person payment to DriveTime via a third party vendor who charges a convenience fee of $1.50-$2.00, depending on the location of the facility they visit (i.e., WalMart)On February 24, 2016, DriveTime launched a new ACH payment toolProminently displayed on [redacted] when customers click “Pay Now”, customers can make their payment online using their bank account for no fee, saving them $On March 9, 2016, DriveTime exercised its contractual options to recover our customer’s vehicle due to non-paymentOn that same day, our customer contacted DriveTime and inquired about redeeming the vehicleDriveTime advised him that he would need to pay the past due balance of $2,387.10, a $repossession fee, and a late fee of $for a total of $3,to DriveTime in order to redeem the vehicleContinued (Full version provided to the Revdex.com)

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Concerning the response from Drive TimeMy question is when did this required system enhancements and the cease and purge of credit reporting begin, before I purchased the car on January 16, 2009, a year ago, months ago and how long could this process takeAccording to all three major credit bureau agencies they have no record of my even purchasing the auto much less a record of any and all of my on time or early paymentsAm I the only one that they are not able to comply with the promises made by their salesman and his aggressive credit building sales pitch or does this involve every one of their customers? When someone from Drive Time actually took one of my calls her explanation was that there had been a glitch in their system, and said nothing about this required enhancementAll other calls from me was put on hold and then dropped.This glitch of theirs is costing me a great deal of money as I have to pay extremely high interest rates on a new purchase not to mention the humiliation I went through with three dealers when I was turned down because these payments were not reported as promisedOnce again, I was told that if I made my payments per month on time that this would help me reestablish a decent credit rating, and I thought it did because of their constant calls inviting me down to their showroom to upgrade because of my excellent credit ratingNever once was I informed that the only place I was establishing a good rating was with them and in my opinion trapping me and possible many other into only being able to purchase a car from them and no one else.According to their reply they understand the importance of accurate reporting but they made no mention as to when this reporting and repair of my hard deserved improved credit rating will take place.I faithfully and diligently held up my end of the bargain, they didn't and I'm paying for there "glitch" as it was put to me Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I received your e-mail about rejecting what drive time had saidSeeing where they said they would credit my account of dollars is an insult to myselfI finally got a hold of the company and I feel as if they are lying to meThey are claiming that the credit bureau stopped them from reportingI have had to contact a lawyer to send in the payment history and a letter to the credit bureau to fix my credit reportI feel like since I am the one having to take action to fix the problem and am still going to have to wait at least more days for it to reflect on my credit report that drive time should do more Regards, [redacted]

l reject deliveries response,they caused us to go in to default with our bank.they still ran our account on December 13,trying to cause us to go into further default.After we made arrangements with them to our frequencies of payments due to our pay day change from two weeks to semi monthly which is on the and 23rd of every month.we talked to Javon and Annie that were supposed to make changes to our account but they didn't,instead they said they agreed to frequencies of payments then reported us behind and not paying to the credit bureaus.causing further grief to our family.Reports of repairs that needed to be done on the truck one week after we got it was never turned in by dealership on i_north and they have no report of it ,yet we were sent to a repair shop on veterans memorial drive and they said we had to pay a hundred dollars.l refused saying it was still under warranty.They admit in their reply that they ran our account on December 13,2015.They were not authorized to run our account taken off automatic draft after the first payment causing us to go into default.That is wrong and against the law,they were no longer authorized to do so.They continue to violate all other payment agreements.They have contacted us by e mail,and phone.They are wrong breaking every agreement and ignoring their warranty responsibilities.please help

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn July 19, 2014, our customer purchased a Chevrolet Impala from DriveTime that was mistakenly listed as a Chevrolet Impala on the Simple Interest Retail Contract that she signedOn August 8, 2014, our customer contacted DriveTime with concerns about her vehicle being listed as a instead of a We advised our customer to return to the dealership to re-contract into a loan with the correct information for her vehicleOur customer was also given the option to transfer into a different vehicle if she so desiredOn August 16, 2014, the contract was amended, and our customer entered into a second Simple Interest Retail Installment Contract with DriveTime for the same Chevrolet Impala, now correctly listed on all documentationThe principal balance on the new loan was lowered to reflect the correct price for our customer’s vehicleOur customer also purchased a year/50,mile Vehicle Service Contract administered by AeverexAttached you will find both the first and second Simple Interest Retail Installment Contracts and the Vehicle Service Contract for your referenceOn August 19, 2014, our customer contacted DriveTime and advised that she was unhappy with the terms of the new contractWe advised her she was within the first five days of her loan, and per the terms of her contract, she had the option to utilize the Vehicle Return Program and return her vehicle.DriveTime offers a Vehicle Return Program, which gives our customers the ability to return their vehicles to DriveTime and terminate their Simple Interest Retail Installment ContractsTo participate in the vehicle return program, our customers must return their vehicles to the dealership within five calendar daysAttached is the Retail Purchase Agreement for your review.On September 12, 2014, DriveTime credited our customer’s account one payment as a goodwill gesture, due to the issues at the time of saleOur customer has not contacted DriveTime with any further complaints since that timeAt the time of sale, our customer was provided with an [redacted] Vehicle History ReportThe [redacted] Vehicle History Report may indicate a prior accident record, a rental or government vehicle, if the vehicle was registered in a storm area, and/or any theft recordsIf any of these items were applicable, they would be noted in the Vehicle Information section on the [redacted] History reportPer this report, our customer’s vehicle had not been in any reported accidents prior to purchase.On March 24, 2015, we pulled a new [redacted] Vehicle History Report for our customer’s vehicleAt this time, the report still reflects that the vehicle has not been in any reported accidentsThe [redacted] Vehicle History Report is attached for your review.That same day, we contacted our customer and attempted to address her concernsAt this time, we are unable to accommodate our customer’s request to be compensated $5,for what she has paid into her loan thus farOur customer stated she did not wish to speak to DriveTime further and advised she would continue to pursue this matter with the Revdex.comIf our customer is having any current mechanical issues with her vehicle, we encourage her to contact Aeverex at ###-###-####.We apologize for any inconvenience or confusion this matter may have causedAs a goodwill gesture, DriveTime has applied $to our customer’s principal balanceDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely,DriveTimeCustomer Relations

(Please see attached for full response)On September 18, 2017, DriveTime has completed a second review of our customer’s situationAt this time, we would like to offer to refund our customer five payments, $1,The refund may be provided to our customer via check or applied towards our customer’s remaining principal balance to lower the account payoff amountOur customer will be required to sign a Full Settlement and Release of Claims.We will continue to remain in contact with our customer to reach an amicable resolutionAs previously stated, our customer is responsible for the loan while it is in an active status

January 12, Revdex.com Re: Complaint # [redacted] Thank you for bringing this matter to our attentionAll DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centersParts that fail inspection are replacedHowever, if a part is functioning at the time of inspection, there is no need to replace itOn December 14, 2015, an in-network repair facility updated a claim with [redacted] for the repair of the crank sensor, exhaust and diagnostic [redacted] approved the cost of this claim under the Vehicle Service Contract for a total of $On December 21, 2015, the same in-network repair facility advised the vehicle had returned to with additional concerns and suggested the vehicle be taken to an Original Equipment Manufacturer to be diagnosedSince the in-network repair facility is a third party vendor, DriveTime is not able to directly comment on the manner in which the repairs were completedWe are investigating this concern with the third party repair facility at this timeOn January 4, 2016, an out-of-network repair facility updated a claim for the repair of the engine control module and wiring harness [redacted] approved the cost of these repairs for a total of $under the Vehicle Service ContractAt this time, if our customer has any additional towing fees that have not already been reimbursed by [redacted] , we encourage her to provide paid receipts to our customer relations department via fax at [redacted] Once received, DriveTime will be able to provide further assistance to our customerAs an additional good-will gesture, DriveTime applied a $credit to our customer’s principal balanceWe apologize for any inconvenience or confusion this matter may have causedShould you have any questions or concerns, please contact us by calling us at ***- [redacted] Sincerely, DriveTime Customer Relations Tell us why here

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I do not agree with it because they cotacted me about something elseI understand that I signed all the papers because at the time everything seemed fine with the car, but now I fear every time I drive it sonething will happen and it will cayse an accident, my air back sensor is on so I do not feel safe in this car, I have to children and the air bags are not covered under warrentyI am able to make a appointment to see whats going on but two of the problems are happening spontaneously so how will an inspector be able to see that? There are recalls on the car I have (12) but before looking at it they said there is one on my car and its the ignition switchWith full coverage insurance and seatbelts I still do not feel safe in this car, it stalls out of no where so hard that I feel like I been rear ended and mad a scene in rush hour traffic thinking I was hit the first time it happened and now that its happening more im thinking I wasnt even hitIt happens while im stopped at a light, it feels like uhh get hit from behind and the car jerks all the time and the sensor for the rpms goes up and down really fastDrive time is doing nothing to helpvthis situation and just give me the run aroundTHIS CAR IS NOT SAFE! I will do whatever to make sure me and my kids are safe.Regards, [redacted] ***

February 19, Revdex.com Ph(602) 212-Fax (602) 263- Re: Complaint # [redacted] To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn February 27, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Toyota CorollaAttached you will find the Simple Interest Retail Installment Contract for your referenceAt the time of sale, our customer agree to make bi-weekly payments of $and one (1) final payment of $When our customer’s account falls past due, DriveTime makes multiple attempts to cure the past due balance on the account and make payment arrangements with our customersDriveTime has made multiple attempts to contact our customer and advise her of the status of the accountOn February 8, 2016, our customer contacted DriveTime and stated that she was not in possession of the vehicleOur customer advised that a third party had the vehicle and are making the payments on the loanDriveTime advised her of the negative ramifications of making late paymentsOur customer understoodOn February 10, 2016, our customer contacted DriveTime and stated that she has been unable to contact the third party who is in possession of the vehicleOur customer requested that DriveTime repossess the vehicle but was unsure of where the vehicle was currently locatedOn February 12, 2016, our customer contacted DriveTime and inquired about the status of the accountDriveTime advised her that the account was delinquent by $Our customer advised us that she was able to make contact with the third party in possession of the vehicle and would be relaying the information to herContinued (Full version provided to the Revdex.com)

On October 3, 2011, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Nissan AltimaThe Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance CorporationAttached will be the Simple Interest Retail Installment Contract for your referenceAt the beginning of each new month, DriveTime updates credit reports for all of our customersIf our customers reach or more days past due by this time, then we report this update to the three major credit bureausOn February 4, 2016, our customer informed DriveTime that he had traded in the vehicle with another dealership and we should be receiving a payoff check from themOn February 19, 2016, we advised our customer that we had not received a payoff check from the other dealershipHe informed us he will contact them and provide an updateOn March 2, 2016, we received a payoff check from the other dealershipAt that time, our customer’s account was days past dueWe understand the importance of building and maintaining a credit scoreWe also understand the importance of accurately reporting credit activityOn June 27, 2016, we found that we were inaccurately reporting to the credit bureaus and immediately submitted a correction to themOn July 26, 2016, we informed our customer that we would not be able to accommodate his request to have the negative mark removed from his creditOur customer was not satisfied with our response and disconnected the callAt this time, we are unable to accommodate our customer’s request to remove the 30-day delinquencyDriveTime is required to abide by the Fair Credit Reporting Act (FCRA) for all reporting activityAdjusting our customer’s credit to remove the days plus reporting would be against FCRA §[U.S.C§ 1681s-2](to be continued)

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsAs an exception, DriveTime approved the most recent repairs to the throttle body and pedal position sensor, with our customer being responsible for a $deductibleWe have come to an amicable resolution as our customer accepted our offerFor the inconvenience of repairs, DriveTime is crediting our customer’s past due balance of $This credit should post within the next 3-business daysShould our customer have any future questions or concerns, we encourage him to contact our Customer Relations department, at [redacted] , to discuss them furtherA detailed description of events is provided below.Our customer’s purchase of the Chrysler took place on March 1, The vehicle came with a DriveTime Limited Warranty, administered by SilverRockOur customer elected to purchase a 5-year / 50,000-mile Vehicle Service Contract (VSC), also administered by SilverRockThe Contract, and VSC are attached for your referenceAs explained in the VSC, our customers are responsible for any teardown or diagnosis time to locate a potentially covered repairIf the repair is determined to be covered, SilverRock will cover the diagnostic fee and assess a deductible The VSC also states that customers are responsible for either a $deductible at an in-network repair facilities or a $deductible at an out-of-network repair facility.Since the purchase of the vehicle, there have been four repairs claims filed with SilverRockThe first claim was filed on March 6, for the resurfacing of the front and rear brake rotorsAs the in-network repair facility (INRF) was not equipped to perform this repair, they suggested the vehicle be taken to another INRF to complete these repairsA second INRF filed a claim on April 7, for the resurfacing of the front and rear brake rotors SilverRock approved these...(continued on attached)

March 8, Revdex.com Ph(602) 212-Fax (602) 263- Re: Complaint [redacted] To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn January 22, 2016, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Chrysler 4COur customer also opted to purchase a year/50,mile Vehicle Service Contract, administered by AeverexAttached you will find the Simple Interest Retail Installment Contract and Vehicle Service Contract for your referenceAll DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centersParts that fail inspection are replacedHowever, if a part is functioning at the time of inspection, there is no need to replace itPage one of the “Customer Delivery Checklist” under Important Reminder, states: “Our focus of the multi-point point inspection is primarily the safety and reliability of your vehicle Please ensure you are comfortable with the condition of the vehicle prior to purchasing.” Additionally, on page one of the “Customer Delivery Checklist” under Maintenance Items, it states: “ These maintenance items are subject to replacement only upon failure of the component After sale, these routine maintenance items are the responsibility of the vehicle owner ” At the time of sale, our customer signed the “Customer Delivery Checklist.” Attached you will find the Customer Delivery Checklist for your reviewOn February 25, 2016, our customer contacted DriveTime and stated concerns with the tires on the vehicleDriveTime advised them that we would obtain further information for the needed tire replacement Continued (Full version provided to the Revdex.com)

Dear Ms [redacted] , Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn February 26, 2013, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Dodge AvengerOur customer also opted into purchasing a month/36,mile Vehicle Service Contract, administered by AeverexAttached is the Simple Interest Retail Installment Contract and the Vehicle Service Contract for your reference On April 20, 2015, our customer contacted [redacted] and reported electrical concerns for her vehicle [redacted] informed our customer that electrical repairs are not covered under the Vehicle Service ContractPlease refer to page three of the Vehicle Service Contract, under section labeled Exclusion- What This Vehicle Service Contract Does Not Cover: "All parts not specifically listed as Covered Parts are not covered under this Contract..." On May 18, 2015, we contacted our customer and encouraged her to take her vehicle to a repair facility for an updated diagnostic testWe informed our customer we have submitted a request to [redacted] to accept a claim for non-covered components under the Vehicle Service Contract, so that we may review for possible assistanceWe apologize for any confusion or inconvenience this matter may have causedAs a goodwill gesture, DriveTime has applied a $credit to our customer’s principal balance DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at 800-965-Sincerely, [redacted] *DriveTime Customer Relations