DriveTime

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved 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 [Provide details of why you are not satisfied with this resolution.] Regards, Donis Mitchell

May 8, 2015 [redacted] , Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On April 23, 2015, our customer entered... into a Closed End Motor Vehicle Lease Contract with DriveTime when he leased a 2006 Chrysler Pacifica. All lease vehicles come with a Life of Lease Limited Warranty, administered by [redacted] . Included you will find the Closed End Motor Vehicle Lease Contract and the Life of Lease Limited Warranty Contract for your reference. All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centers. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, it is not replaced. At the time of lease, our customer signed and dated the Vehicle Delivery Checklist. Page one of the Vehicle Delivery Checklist under Important Reminder, states: "Our focus of the multi-point inspection is primarily the safety and reliability of your vehicle Please insure you are comfortable with the condition of the vehicle prior to leasing." Attached you will find the Vehicle Delivery Checklist for your review. On April 25, 2015, a repair facility filed a claim with [redacted] regarding engine noise. The repair facility advised that the vehicle was running well with no indicated failures. At the time of purchase, our customer signed and reviewed the Driver’s Seat Limited Warranty. On page two, under subtitle Drivers Seat 30 Day/1,500 Mile Limited Warranty, it specifies engine noise as a non-covered condition. On May 4, 2015, DriveTime reached out to our customer regarding his repair concerns. We advised him to take his vehicle to a different repair facility for a second opinion. Once the repair facility files a claim with [redacted] , we can determine if the repairs are covered by the Limited Warranty. If any components are not covered, we can then review for possible assistance. As a goodwill gesture, DriveTime has applied a $25.00 credit to our customer’s account. DriveTime thanks the RevDex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at [redacted] ***. Sincerely, [redacted] DriveTime Customer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn January 6, 2012, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a [redacted] Our customers purchase included a [redacted] year/*6,mile DriveCare Limited WarrantyAttached you will find the Simple Interest Retail Installment Contract and DriveCare Limited Warranty 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 isfunctioning at the time of inspection, there is no need to replace itOn May 29, 2012, an in-network repair facility filed a claim for repairs needed on the vehicleDriveTime covered the repairs for the air compressor for a total of $On December *, 201*, an in-network repair facility filed a claim for the air compressor and an engine replacementDriveTime approved the repairs for a total of $*,140.52.On July 16, 2015, we were notified of our customer’s new mechanical concerns regarding his air compressorWe made multiple attempts to contact our customer to inform him that the repair would not be covered due to exceeding his [redacted] year/*6,mile DriveCare Limited WarrantyHowever, we informed our customer that we would review any out of pocket repair expenses for payment extensionsOn July 25, 2015, our customer voluntarily returned his vehicle to DriveTimeWhen our customer’s vehicle was returned, the odometer documented a total of 1*0,milesOur customer’s DriveCare Limited Warranty expired once the vehicle had reached 120,*milesOn August 5, 2015, Drivetime’s Customer Relations Department reached out to our customer to address his concernsWe notified our customer that we were unable to accommodate his request for a refund and to delete the reporting of his account to the credit bureausWe advised him we would look into other possibleresolutions regarding his concerns After further review, DriveTime is offering the following resolution:DriveTime agrees to Waive deficiency balance of $7,940.45Submit an update to all three (*) major Credit Bureau reporting agencies to report DriveTime trade line paid with no delinquenciesIn exchange, Customer agrees to:Remit payment to DriveTime via certified funds in the amount of $*,970.22.Our customer will be required to sign a Full Settlement and Release of Claims if he chooses to take advantage of this offerThis settlement offer is good until August 25, We have made several unsuccessful attempts to contact our customer to discuss our offer to assistWe encourage our customer to contact our Customer Relations Department at [redacted] in order to accept this resolution.We apologize for any confusion or inconvenience this matter may have causedAs a goodwill gesture, DriveTime has mailed $American Express gift card to our customer’s address.DriveTime 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

Re: Complaint # [redacted] Dear Ms [redacted] , Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn October 16, 2013, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Ford TaurusAttached you will find the Simple Interest Retail Installment Contract for your reference.On June 1, 2015, our customer contacted DriveTime’s corporate offices regarding an unauthorized payment of $that was taken out of her accountWe advised her that the payment was listed on the account; however, we would need a bank statement in order to verify the payment was drafted in order to send her a reimbursement check.On June 2, 2015, our customer contacted DriveTime’s Customer Relations department regarding her concernsWe informed her that we had received the requested bank statements and we would send the refund check to her as soon as possibleWe advised our customer to expect the check by Friday, June 5, 2015.One June 5, 2015, our customer contacted DriveTime regarding her refund checkShe informed us that she was unable to cash the check due to a message from the bankOur customer stated the bank informed her she only had the option to either deposit the check or to return it to DriveTimeOur customer informed us she would deposit the check to see if it would clear.On June 12, 2015, our customer contacted DriveTime regarding her refund checkShe informed us that she was unable to deposit the check due to a stop-payment placed on it.After reviewing the situation further, DriveTime found there was an account error in the processing of the first check, resulting in a voided checkDriveTime then reissued a second check to be sent to our customer.On June 16, 2015, our customer contacted DriveTime regarding her previous checkWe apologized for the miscommunication and advised her a new check for $had been issued and was being mailed overnightOn June 23, 2015, we contacted our customer regarding her reimbursement checkOur customer confirmed that she had received the check at end of the day on June and advised she would notify us if there were any issues once she had deposited it We apologize for any confusion or inconvenience this matter may have causedAs a goodwill gesture, DriveTime has applied $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 ###-###-####Sincerely, [redacted] *.DriveTime Customer Relations

(Please see attached for full response)On January 9, 2017, DriveTime was made aware that the previous seller was unable to provide a duplicate title due to a secret lien placed on the vehicle from a previous owner causing unforeseen delays On January 11, 2017, the authorized third party contacted DriveTime to discuss extending the direct bill rentalWe explained the aforementioned information and offered to rescind the contract for this vehicle and place our customer into another vehicleShould our customer accept our offer, the down payment of $1,would be transferred to the new accountAlternatively, DriveTime offered our customer the option to return the vehicle back to DriveTime and receive a refund of the down paymentThe authorized third party advised they would contemplate the offer with our customer and follow-upDriveTime extended the direct bill rental through January 13, and the call was ended on amicable termsWe apologize for any frustration or inconvenience this matter may have causedWe are unable to accommodate our customers request to apply a $1,credit to her current accountWe will remain in contact with our customer until an amicable resolution is reachedAs an additional gesture of goodwill, we have sent our customer a $ [redacted] gift cardDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact our Customer Relations Department at [redacted] *** Thank you, Jessica HCustomer Relations

Using the demographic information provided on our customer’s complaint, we were able to locate an account for herSince October 28, 2016, there has only been one conversation documented with our customer, on September 14, During this phone call, our customer did not request any information from Bridgecrest, but advised she would be returning the vehicleOur Credit Bureau Inquiry team has also reviewed our customer’s credit reporting trade line for potential inaccuraciesAs there were no inaccuracies noted, there will be no updates to the information providedWe have sent our customer a credit reporting letter and a validation of debt letter that is attached for your referenceIf our customer would like Bridgecrest to open an investigation into the possibility of fraud, she will need to submit a copy of a valid ID (driver’s license or passport), her social security card, and a police report or notarized identity theft affidavitShe may fax or email the requested documentation to [redacted] DriveTime has made several unsuccessful attempts to reach our customerWe have sent her a letter encouraging her to contact our Customer Relations department, at [redacted] , to discuss her concerns furtherWe will continue our efforts to contact our customer in hopes of coming to an amicable resolution...(continued on attached)

Re: Complaint # [redacted] Dear Ms [redacted] , Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsThe actions described in our customer's correspondence are clearly not in keeping with DriveTime's set standards of service and support DriveTime strives to make each customer’s experience both rewarding and pleasant while ensuring that every customer is treated with the utmost respect.On April 2, 2014, our customer entered into a Motor Vehicle Periodic Renewal Lease with DriveTime when she leased a Chevrolet TrailblazerIncluded you will find the Motor Vehicle Periodic Renewal Lease for your reference At time of lease, our customer agreed to make bi-weekly payments of $beginning April 14, Our customer elected to take advantage of the Auto Pay service, allowing her payments to be withdrawn automatically from her bank accountWith the Auto Pay service, our customer’s accounts receive a $credit for each reoccurring payment made in this mannerOur customer’s payment is $234.30, however with the $credit, the total amount due is $222.30.On May 12, 2014, our customers payments increased to an amount of $due bi-weeklyThe reason for this increase was a tax adjustment charged by the county in which she residesOur customer bi-weekly payment increased by $while the Auto Pay deduction remained constantOn page 3, under section “Registration, Parking Tickets and Taxes” in the Motor Vehicle Periodic Renewal Lease it states:“You must pay when due or reimburse us if we pay for all government charges, fees and taxes (other than our income taxes) whether assessed on you, us, or the Vehicle You must pay personal property taxes, or similar taxes assessed on the vehicle, whether you are billed for them by the government or whether we pay them and bill you for them or include the amount of such taxes as part of your periodic payment.”Since our customer’s bi-weekly payment increased by $per bi-weekly installment and the amount deducted from the Auto Pay service remained constant, our customer’s account became delinquentWe have attached a copy of our customer’s payment ledger for your referenceDriveTime has attempted to contact our customer multiple times in order to reach an amicable resolutionWe encourage our customer to contact our Customer Relations Department at ###-###-#### As goodwill gesture, we have credited our customer’s account $to waive the current delinquency balance of the accountDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####.Sincerely, [redacted] *DriveTimeCustomer Relations

Awaiting reimbursement on the rental vehicle - I have submitted one of the two receipts for thisThe vehicle can be brought to the transmission shop once the reimbursement is complete - as expressed to Carlos at Drivetime I don't have the funds to continue to rent a vehicle AND make payments on my loan when these issues should have been resolved long before the car was even listed for saleThe lack of concern for safety or financial obligation is saddening to meThe lack of replacement of a vehicle with safety issues is upsetting

October 1, [redacted] [redacted] To Who It may Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns On July 17, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a [redacted] PacificaThe vehicle came with a day/1,mile DriveCare Limited Warranty, administered by [redacted] Our customer elected to purchase a year/50,mile Vehicle Service Contract, also administrated by [redacted] Attached you will find the Simple Interest Retail Installment, DriveCare Limited Warranty, and Vehicle Service Contract for your reference All DriveTime vehicles are thoroughly inspected at our DriveTime inspection centers prior to saleParts that fail inspection are replacedHowever, if a part is functioning at the time of inspection, there is no need to replace it On June 28, 2015, our customer contacted [redacted] with concerns that the vehicle was jerking and hesitating [redacted] referred our customer to an in-network repair facility to have the vehicle diagnosed On June 29, 2015, an in-network repair facility filed a claim with [redacted] for a blower motor, blower motor resistor, Schrader valves, radiator cap, and seat plastic [redacted] approved all repairs and diagnostic fees in full under the terms of the DriveCare Limited Warranty On September 14, 2015, our customer contacted DriveTime with additional repair concernsOur customer advised some of the repairs reported on the latest estimate had not been completed by the repair facilityDriveTime advised our customer in order to review her estimate for any assistance we must first have it reported to [redacted] We advised our customer to have the repair facility diagnose the vehicle and contact [redacted] with the any additional repairsOn September 15, 2015, an in-network repair facility filed a claim with [redacted] for an Osensor, and a wheel speed sensorAfter reviewing the claim, DriveTime agreed to make an exception to assist with the repairsOur customer was responsible for their $deductible and DriveTime agreed covered the remaining cost in full On September 17, 2015, our customer contacted DriveTime and advised the vehicles issues were persistingWe advised our customer to return to the repair facility to have the additional repairs diagnosedWe advised our customer DriveTime would instruct [redacted] to accept the claim and forward the estimate to DriveTime for review The same day, an in-network repair facility filed an estimate for additional repairsThe repairs consisted of both outer tire rod ends, left lower control arm, and an alignment [redacted] accepted the claim and forwarded it to DriveTime for review On September 18, 2015, our customer contacted DriveTime to inquire if we had received the estimate and reviewed her claim for any assistanceAfter reviewing estimate, we agreed to cover the additional repairs in fullWe also advised the customer we would offer rental reimbursement for the time the vehicle would be in the repair facility On September 22, 2015, our customer contacted DriveTime and advised the vehicle was having additional issuesOur customer advised the vehicle was not safe and had been into the shop multiple timeShe advised DriveTime she wished for us to provide her with another vehicle as she felt the current vehicle presented a safety concernWe advised our customer we would consider other options for assistance however; we must have a current claim on fileWe advised our customer to take the vehicle back to the repair facility and have them warrant their workOur customer agreed and advised she would take the vehicle back to the repair facility On the same day, the in-network repair facility filed an estimate for an alternator, motor mounts, head gasket, head machining, head bolts, spark plug, and a timing belt On September 24, 2015, DriveTime contacted our customer to address her concernsWe advised our customer we would like to offer her an exception to exchange her current vehicle for anotherOur customer was satisfied with the resolution and agreed to return with the vehicle to the DriveTime dealership to complete the process We apologize for any confusion or inconvenience this matter may have causedDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us at 800-965- Sincerely, [redacted] DriveTime

February 1, 2016 Re: Complaint # [redacted] Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centers. Parts that fail inspection are... replaced. However, if a part is functioning at the time of inspection, there is no need to replace it. On July 24, 2015, an in-network repair facility updated a claim with [redacted] for the repair of the door handle. [redacted] approved the cost of this repair under the Drivers Seat Limited Warranty for a total of $252.80. On November 4, 2015, our customer contacted [redacted] to inquire about coverage of an oil change and serpentine belt under the Drivers Seat Limited Warranty. [redacted] advised our customer that a serpentine belt is non-covered under the Drivers Seat Limited Warranty, but would qualify for a free oil change every 4,000 under the Drivers Seat Limited Warranty. On January 23, 2016, our customer contacted [redacted] to inquire about coverage on tires and brakes on the vehicle. [redacted] advised per the Drivers Seat Limited Warranty there is one covered brake pad replacement during the life–of-lease, however tires are non-covered components. At this time, [redacted] has not received an updated claim from an in-network repair facility since July 24, 2015. As a good will gesture, DriveTime will make an exception to the Drivers Seat Limited Warranty to waive the first hour of diagnosis time to have our customer’s concerns addressed. Once a claim has been updated with [redacted] , DriveTime will be able to review for further assistance for our customer. DriveTime has made several attempts to contact our customer to reach an amicable resolution. As an additional goodwill gesture DriveTime has applied a $25.00 credit to our customer’s account. Sincerely, DriveTime Customer Relations Tell us why here...

Dear Ms [redacted] ,Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn July 23, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a GMC AcadiaOur customer’s vehicle came with a day/1,mile DriveCare Limited Warranty, administered by AeverexAttached you will find the Simple Interest Retail Installment Contract and DriveCare Limited Warranty for your reference.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 the vehicle to the dealership where they purchased within five calendar daysAttached is the Retail Purchase Agreement for your review.On July 27, 2015, the third business day after purchase, a repair facility filed a claim with Aeverex for an engine control moduleAeverex approved these repairs in full under the terms of the DriveCare Limited Warranty.On July 28, 2015, our customer contacted DriveTime about her mechanical concernsShe inquired into options for returning the vehicle and receiving assistance for out-of-pocket expenses she had paid for a batteryWe informed our customer the process for utilizing the Vehicle Return Program and advised her we would review her out-of-pocket receipts for reimbursementOur customer then returned the vehicle to DriveTime and terminated her Simple Interest Retail Installment Contract.On July 29, 2015, we issued our customer a reimbursement check for $for the battery that she had purchased.On August 11, 2015, our customer contacted DriveTime’s Customer Relations Department about the refund for her down paymentShe verified that the refund for the battery had been received; however she had still not received the refund for her down paymentWe confirmed that our customer had used a debit card to make her down paymentPage of the Retail Purchase Agreement explains the refund timeframe of the Vehicle Return Program as follows:"If I paid my down payment by check or debit card, you will pay me and/or return my trade in by business days after my purchase of the vehicle."We informed our customer that we would have this check cut in house and shipped priority overnight via Federal Express.On August 13, 2015, we contacted our customer to notify her that the check had been cut and shippedWe advised her that the check was expected to arrive at the DriveTime dealership where she purchased the following day.On August 15, 2015, the check was delivered to the dealership and our customer retrieved itWe contacted our customer and determined she was satisfied with this resolutionWe ended our correspondence on amicable terms.We apologize for any confusion or inconvenience this matter may have causedAs a goodwill gesture, DriveTime has mailed a $American Express gift card to our customer’s 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 ###-###-####.Sincerely, [redacted] *.DriveTime Customer Relations

January 28, [redacted] ***Revdex.com Ph [redacted] Fax (602) 263-0997Re: Complaint # [redacted] Dear Ms***Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns.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.On November 27, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Ford FocusOur customer also purchased a year/50,mile Vehicle Service Contract, administrated by [redacted] Attached you will find the Simple Interest Retail Installment and Vehicle Service Contract for your reference.On January 9, 2016, our customer contacted [redacted] *o express concerns with the steering of the vehicle [redacted] suggested that our customer take the vehicle to an in-network repair facility to be diagnosedAt that time, our customer inquired about rental coverage [redacted] advised per the Vehicle Service Contract under the section labeled “Provider’s Obligations” it states:“Reimburse You for a rental car at the rate of up to $for every hours (or portion thereof) of labor time required to complete the repair.”On January 20, 2016, DriveTime contacted our customer to reach an amicable resolutionWe advised that an in-network repair facility has not updated a claim with [redacted] at this timeWe advised once a claim has been updated, DriveTime would be able to review for further assistanceIn regard to the rental reimbursement, we advised our customer of the above terms of the Vehicle Service ContractAt this time, no claim has been updated with [redacted] in regard to our customer’s concernsWe encourage our customer to have the vehicle diagnosed at an in-network repair facility and to update a claim with [redacted] for further review.As a good-will gesture, DriveTime applied a $credit to our customer’s principal balance.We 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,Justin M.DriveTime Customer Relations Department

At this time, we have placed a hold on the sale of the vehicle at auctionShould our customer still desire to reinstate her loan, she may contact Bridgecrest’s Redemptions department at [redacted] The offer to reinstate her loan for $1,will remain valid until August 31, We have attempted to contact our customer and address her concerns, but we have been unable to reach herWe encourage her to contact Customer Relations at 800-965-so we may work with her toward an amicable resolution

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsAs of September 15, 2017, DriveTime has reached an amicable resolution with our customerWe have agreed to take back the vehicle while we refund her the down payment and trade in amountIn addition, we are reimbursing our customer for the repairs she paid for, totaling $A detailed explanation of events is provided belowOn June 30, 2017, our customer entered into a Simple Interest Retail Installment Contract when she purchased a Jeep Compass from DriveTimeThe Contract was subsequently assigned to [redacted] Acceptance Corporation ( [redacted] )The vehicle came with a 30-day / 1,500-mile DriveTime Limited Warranty, administered by [redacted] Our customer elected to purchase an additional 5-year / 50,000-mile Vehicle Service Contract (VSC), also administered by [redacted] The Contract, DriveTime Limited Warranty, and the VSC are attached for your referenceThere have been two repair claims initiated since the time of purchaseAn in-network repair facility (INRF) initiated the first claim with [redacted] on July 19, for the replacement of the rear wheel speed sensor and the hub bearingThey explained those two components were rusted together and the hub bearing was seized [redacted] approved these repairs under the terms of the DriveTime Limited Warranty.The second claim was initiated by another INRF on September 1, for the replacement of the spark plugs along with the gas cap in regards to a check engine lightAs the spark plugs and gas cap are non-covered under the terms of the VSC, [redacted] did not provide authorization for these repairsThe repair facility later contacted [redacted] on September 8, to advise the rear sub-frame is rustedThey suggested the vehicle be taken to a body shop to have the rust concerns addressed....(continued on attached)

For full response, please see attached We received a second dispute on October 12, for which the driver’s license and social security card were illegibleAnother insufficient letter was sent to our customer’s address on file On October 24, 2017, our customer contacted Bridgecrest to inquire about how the vehicle repossession would be reflected on her creditWe explained, since the account is in charge off status, it will reflect as such until the loan has been paidOnce the account has been paid in full, it will then be updated to a status of paid-charge off and will reflect as such for seven years Bridgecrest received three additional identity theft claims; one on October 26, 2017, and two on October 31, Again, none of these claims included the information that is required in order to complete our investigationWe are still missing a legible copy of the customer’s driver’s license and Social Security Card As no further documentation has been provided, we are unable to deem the account to be fraudulentShould our customer provide us with; a clear and legible copy of a police report or notarized Identity Theft Affidavit, a clear and legible copy of a Driver’s license and social security card, then we may complete our investigationPer our customer’s request, we have sent the attached letter to our customer’s address on file and have not attempted to make any further contact at this timeShould she wish to discuss this matter further, we encourage her to contact us at (800) 965-

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On December 21, 2012, our customer entered into a Retail Installment Contract when she purchased a 2002 Ford Windstar. Attached you will find a copy of the Retail Installment... Contract for your reference.On September 16, 2014, DriveTime contacted our customer to discuss her concerns. At this time, DriveTime has agreed to give our customer a two payment deferment to assist in bringing the account current.As a goodwill gesture, DriveTime has applied a $25 credit to our customer’s principal balance.DriveTime thanks the RevDex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####.Sincerely,DriveTimeCustomer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concernsWe apologize for any inconvenience to our customerWhile going through the credit reporting enhancements there is a possibility that credit-reporting errors may occurTherefore, all credit reporting was ceased and purged to comply with the [redacted] *** We anticipate system enhancements to be completed and credit reporting to resume no later than the beginning of MarchTo address our customer’s additional concerns, our Champ Program allows our customers to trade in their vehicle with little to no money down and possible lower APROur customers qualify for this program when their remaining principal balance is $4,or lessAt this time, we are unable to accommodate our customer’s request to end contract or credit her principal for $2,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 customer’s concerns On May 8, 2012, our customer entered into a Simple Interest Retail Installment Contract when she purchased a Mazda Included you will find the Simple Interest Retail Installment Contract for your reference On July 24, 2014, we contacted our customer and came to an amicable resolutionAt this time, DriveTime has offered the following resolution: DriveTime agrees to: - Delete trade line from all three (3) major Credit Bureau reporting agencies - Waive deficiency balance of $11, In exchange, Customer agrees to: - To a Full Settlement and Release of Claims - Release possession of vehicle to DriveTime As a goodwill gesture, DriveTime has mailed a $ [redacted] gift card to our customer’s 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 ***-***- *** Sincerely, [redacted] DriveTime Customer Relations

Dear MsHill, On October 17, 2014, our customer entered into a Simple Interest Retail Installment Contract when she purchased a Jeep Patriot from DriveTimeThe Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance CorporationOur customer also opted to purchase the Guaranteed Auto Protection (GAP) administered by AeverexAttached is a copy of the Simple Interest Retail Installment Contract and GAP Installment Sale Contract/Loan/Lease Agreement Addendum, for your reference At the time of signing, DriveTime reviews each document with our customers and strives to ensure they understand what they are committing to doBy signing these documents, they are asserting that they have read and fully understand the terms enclosedWe encourage our customers to review all paperwork thoroughly before signing the contractOn page two of the Simple Interest Retail Installment Contract, under ‘Itemization of Amount Financed,’ is an itemized summary of fees, products, and services calculated into the financing of the vehicle Our customer agreed to make bi-weekly payments of $and final payment of $235.07, beginning November 15, Our customer was provided a payment schedule, outlining her payment due dates, attached for your reference On page of the Contract, under subsection “Vehicle Insurance,” it states: ‘You must insure yourself and us for the term of this Contract against loss of or damage to the Vehicle with a policy in the Buyer’s nameYou must maintain comprehensive fire, theft and collision coverage, insuring the Vehicle in an amount acceptable to us, name us as loss payee and provide whatever evidence of insurance we request You agree that if the insurance proceeds do not cover the amounts you still owe us, you will pay the differenceWhether or not the vehicle is insured, you will pay us all you owe under this Contract even if the vehicle is lost, damaged beyond repair, or destroyed.” When purchasing a vehicle, DriveTime provides our customers with the option to purchase Creditor Placed Insurance Policy (CPI) coverage from Great American Insurance GroupThe CPI policy coverage is a single-interest, physical damage insurance protection policy for the vehicle, Bridgecrest’s collateralThe policy does not protect our customer’s interest or equity in the vehicleAt time of sale, our customer opted to purchase CPI policy coverageDriveTime does not include, or disclose to our customers, that the CPI policy coverage is included in the financing of the vehicleAttached you will