DriveTime

Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concerns DriveTime’s approval process is subject to verification of employmentDriveTime has made attempts to contact our customer’s place of employment in an attempt to verify informationPer our customer’s request, DriveTime has ceased communication to our customer’s place of employment DriveTime’s loan advisors utilize a myriad of resources when attempting to assist our customers with bringing their account currentThe purpose of keeping in contact with our customers who have become delinquent, is to prevent them from accruing additional interest, accruing late fees, and the recovery of the vehicleDriveTime follows the parameters set forth by the [redacted] regarding when and how frequent such calls can be madePer the account details, DriveTime has not attempted to contact our customer outside of the designated time frame parameter DriveTime does not typically send email correspondence to our customers other than to inform that we cannot discuss account information via emailWe advised our customer of this communication policy and requested he contact our Customer Relations department in order to assist Per our customer’s request, we have put a full cease and desist on our customer’s account allowing for letters and emails onlyAlthough all collection activity via telephone will permanently cease for the duration of the Contract, our customer is still responsible for any remaining payments over the duration of the ContractPlease refer to the Simple Interest Retail Installment Contract for additional consequences related to non-payment, up to and including repossession of vehicle DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ***-***-*** Thank you, [redacted] DriveTime Customer Relations

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 Regards, [redacted] ***

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be far from satisfactory to me for the simple fact that I am not receiving anything that will either help me get a new motor vehicle or bettering my credit proving that I am able to handle any type of monthly payment using drive time as an example of suchI feel like I need a better outcome then just a $gift card that also doesn't help my credit report nor help me receive a new motor vehicle I feel like a payment as high as bi weekly equaling to $a month should be reported for reasons as such as mine a person that's just simply trying to get a new motor vehicle with out either a refund or this being reported I will be stuck searching for a way to get another vehicle as if I was a 1st time buyerI 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 I do acknowledge receiving a call from Drive Time but I was unable to discuss the matter during that time due to being at work and when I get off the office is closedI never received a letter via mail at my mailing addressI do appreciate you responding to this matter Regards, [redacted] ***

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns.On July 1, 2014, our customer entered into a Closed End Motor Vehicle Lease with DriveTime when she leased a Dodge AvengerIncluded you will find the Closed End Motor Vehicle contract for your referenceOn September 16, 2014, we contacted our customer and came to an amicable resolutionDriveTime agreed to refund the repossession feesWe apologize for any inconvenience this may have causedAs a goodwill gesture, DriveTime has also credited our customer’s account $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

I accepted most of the offer I had asked for a full refund of monies

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Why I am not satisfied with this resolution is because regarding the GPS system it was explained to me that that's incase my car get's stolen, or when it has been repossessedNot that it meant to contact DriveTimeMy alarm has been going off since August and I have called numerous amount of time and no mention there was some things that were happening me with my account, which could have been an easy fix
Regards,
*** ***

For full response, please see attached. On July 29, 2017, a claim was initiated by an INRF for replacement of the HVAC compressorThe repair facility reported the current odometer reading of 152,miles, our customer had driven 36,miles since the sale of the vehicleAs our customer had
driven past 36,miles and was now into the month / 50,mile portion of the VSC, this was determined to be a non-covered component per the terms of the VSC On July 31, DriveTime contacted our customer to discuss her concernsOur customer informed us she had previously taken her vehicle to an INRF on June 6, 2017, but no claim was initiated with her VSC administrator as she was advised the repairs were non-covered under the terms of the VSC by the INRF We advised our customer that as a gesture of goodwill, we would review an estimate of the repairs needed for possible assistanceWe encouraged her to send in the estimate from the repair facilityOur customer confirmed she would send in the requested documentation this same day As of August 2, 2017, we have not yet received the requested documentationWe apologize for any frustration or inconvenience this matter may have caused but will continue to remain in contact with our customer to ensure an amicable resolution is reached

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Per the companies own admission, on day one and prior to the delivery of the vehicle the tire pressure sensors were an issueI was told by the sales manager *** if there were any issues give them a callAs soon as I took the vehicle on the highway at the highway speed, I then discovered the issues with the brakesI called the immediately, *** answered the phoneIt was less then minutes, he rudely told me to call the warranty departmentThis vehicle should not have never been sold under the condition it was inThis is according to *** *** and The Chevy DealerI was placed in a dangerous situation and they have not shown in empathy at allWhen you call and attempt to have a conversation with them, it is like speaking to a broken recordI will never recommend there company to anyone, especially the *** *** ***I request you have them provide the work done prior to sale of this vehicle. *** the actually sales representative stated, " Ms*** the car is at the shop now taking care of that problem with the TPS, if it continues, we will continue to work on it or provide you a new vehicle." Again, this was prior to me signing any contract'sThe company is not taking responsibility for their actions or lack of
Regards,
*** ***

(Please see attached for full response)On September 27, 2017, Bridgecrest reached out to our customer to discuss the status of the accountThey advised the current payoff is $296.40, valid for daysBridgecrest explained this is more than the contracted final payment of $due to additional
interest accrued as mentioned aboveOur customer explained he would make the payment on September 29, On September 29, 2017, our customer remitted a payment of $As the full amount was not satisfied, Bridgecrest attempted to reach out to our customer to discuss the status of the account further On October 2, 2017, our customer contacted BridgecrestThey provided the status of the accountOur customer requested a transaction history be sent to him for reviewThis was successfully provided to him on October 4, 2017. On October 5, 2017, our customer contacted Bridgecrest to satisfy the remaining amount on the loanThey advised the remaining amount owed is $Our customer provided the payment over the phone, which required a $processing fee as Bridgecrest utilizes a third party payment system to process transactions over the phoneThe payment was successful and the account changed from an active to a paid status. We apologize for any confusion this matter may have causedAfter review of the account, our customer has made a total in payments of $24,At this time, DriveTime would like to refund the $difference between the above amount and Contract amount as a gesture of goodwillOn October 12, 2017, we spoke with the ATP and explained the above timeline and informationThe ATP accepted our above offer and the call ended on amicable termsWe will continue to remain in contact with the ATP and our customer through the completion of the accepted resolution

May 26, *** *** Revdex.com *** *** ***
*** *** *** Re: Complaint # *** Dear Ms***, Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns On
March 26, 2011, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Chrysler SebringAttached you will find the Simple Interest Retail Installment Contract for your reference In October 2014, DriveTime temporarily ceased credit reporting to all three major credit bureau agenciesThis cease was due to required system enhancements taking place in the manner DriveTime reports to the credit bureausWe have completed the necessary updates with *** and ***, and they have uploaded our customers’ account information for public viewingWe anticipate the enhancements with *** will be completed no later than the end of May At DriveTime, we strive to ensure all of our credit reporting is up to date and accurate. After a recent in depth review, we determined that there were questions surrounding the accuracy of our reporting of paid loansFor this reason, we are no longer able to report on accounts that were paid prior to October 1, We are unable to resubmit a loan that was paid prior to October for reporting, as this would appear as a new trade line and would be more detrimental to our customers’ creditWhen an account is paid, DriveTime reports one final time with the account’s final statusWe cannot then continue to report this account; therefore, we cannot reinstate anything paid prior to October On May 19, 2015, a credit rating letter was e-mailed to our customerThe credit rating letters provide an overview of our customers’ accounts, including their payment history, and can be used as a reference for creditors when our customers are applying for credit On May 21, 2015, we contacted our customer and attempted to address his concernsWe went over the above information and informed our customer why were unable to report his loan to the credit bureausAt this time, we are unable to accommodate our customer’s request for DriveTime to reinstate the trade line for his paid loanIf in the future our customer should require further documentation of his loan to apply for credit, or if a creditor requests a letter, we can provide additional credit rating letters upon request We apologize for any inconvenience or confusion this matter may have causedAs a goodwill gesture, DriveTime has mailed a $*** *** gift card to the address our customer provided DriveTime thanks the Revdex.com for their continued supportIf you have any questions, please contact us at 800-965- Sincerely, Kayleigh BDriveTime Customer Relations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and further the business and my self have come to a resolution that satisfies both of us. I consider this complaint resolved
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution was satisfactory to me I have attached a copy of the Loan Modification I signed per my agreement with *** When it has been processed (with no late penalty to my account) I will consider this matter fully resolved.Thank you for the quick response time!
Regards,
*** ***

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns. On March 11, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Dodge AvengerAttached you will find the
Simple Interest Retail Installment Contract for your reference. When our customers’ accounts fall past due, we make daily attempts to contact them to discuss their accountSince April 22, 2015, the date our customer’s account fell past due, DriveTime has placed calls out to our customers no more than once per day to each number on fileAs our customer has three phone numbers on file with us, a total of three phone calls were made to our customer on a daily basis. The actions described in our customer’s correspondence are clearly not in keeping with DriveTime's set standards of service and supportDriveTime strives to make each customer’s experience both rewarding and pleasant, while ensuring that every customer is treated with the utmost respectOur collections department is designed to work with the customer, as well as collect delinquent payments.During the first months of the loan, it is very important to build payment historyTherefore, during this time, we are unable to make future payment arrangements on the account, as it is essential that our customers make payments on timeShould our customers’ accounts fall past due during this period, their vehicles are contractually eligible for recovery. Per our customer’s request, we have placed a “cease-and-desist” on his account that will allow only written outbound communication with him via email and letters. On April 27, 2015, we sent an email and a letter to our customer in an effort to make contact with him and address his concernsWe encourage him to contact DriveTime at ###-###-####.As a goodwill gesture, DriveTime has credited $to our customer’s principal balance.DriveTime thanks the Revdex.com for their continued supportIf you have any questions, please contact us at ###-###-####. Sincerely,*** **DriveTime Customer Relations

(Please see attached for full response)DriveTime would like to review for assistance in having the vehicle repairedWe encourage our customer to take the vehicle to the original equipment manufacturer (OEM) nearest to her for diagnosisIf this location is not able to diagnose the vehicle in a timely manner, we encourage her to contact another nearby OEM to see if they can have the vehicle diagnosed more promptlySilverRock can assist with locating alternate facilitiesThe OEM will then need to contact SilverRock to initiate a claim Per the Vehicle Service Contract, SilverRock provides our customers with rental reimbursement of $per day for up to five days, so long as the initial labor time exceeds eight hours Since we have not yet received an estimate for repairs, we cannot estimate how long our customer’s vehicle will need to be at the OEMOnce we receive the estimate, DriveTime will review assistance options with any non-covered components and transportation assistance

I will not take said truck to an in network facilityI am also currently on orders and will take the truck in at my earliest available date

October 12, Revdex.com Ph(602) 212-Fax (602) 263-0997 Re: Complaint # *** To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to readdress our customer’s concernsThe actions described in our customer’s correspondence are clearly not in keeping with DriveTime's set standards of service and supportDriveTime strives to make each customer’s experience both rewarding and pleasant, while ensuring that every customer is treated with the utmost respectOn November 12, 2012, our customer contacted DriveTime with concerns about the vehicleWe referred our customer to an in-network repair facility to have the vehicle diagnosedOn November 19, 2012, an in-network repair facility filed a claim with DriveTime for valve cover gaskets, calipers, motor mounts, sway bar links, and outer tie rod endsDriveTime approved the valve cover gaskets under the terms of the DriveCare Limited WarrantyThat same day, our customer contacted DriveTime regarding the non-covered repairsWe advised him that these repairs had not been approved as they were not covered under the terms of the DriveCare Limited WarrantyWe advised our customer that if he elected pay out-of-pocket for the non-covered repairs, we would provide him with payment deferments as an option for assistanceOn November 29, 2012, our customer returned the vehicle to the DriveTime dealership where he purchased, as he did not wish to pay for the non-covered repairsOn September 2, 2015, DriveTime contacted our customer and offered him a 10% settlement in which he would be required to pay $to DriveTime to settle his loanIn exchange, DriveTime would waive his deficiency balance of $8,and delete his trade line from all three major credit bureau reporting agenciesHowever, our customer declined this offerOn September 11, 2015, after further review of the situation, we contacted our customer and offered him an alternative settlementWe advised our customer that should he be willing to enter into a Full Settlement and Release of Claims, we would waive his deficiency balance and delete his trade line, leaving him with no further monetary responsibility to DriveTimeOn September 23, 2015, our customer contacted DriveTime about the abovementioned settlement offerHe advised he would like to review the settlement before agreeing to any termsWe advised we would send him a copy of the settlement for his reviewOn September 28, 2015, a copy of the Full Settlement and Release of Claims was sent to our customer’s address on fileThis settlement agreement listed an expiration date of October 31, Once DriveTime has received a copy of this settlement that has been accurately signed and dated by our customer and the primary account holder on his loan, we will waive his deficiency balance and delete his trade line from the three major credit bureau reporting agencies, per our agreementAt this time, we are unable to accommodate our customer’s request to have all monies he paid toward the vehicle refunded to himWe 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 by calling us at *** Sincerely, *** ** DriveTime Customer Relations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
On or around the second week of September a Representative or Lawyer, called saying that he wanted to talk about the complaint I filed against Drive TimeHe then said he was authorizedto offer me a chance to accept the $dollar offer to pay off the car, I gave back to theminformed him of what I had wrote in my complaint after somewhat, I later felt was cleverlyfished out of me.To my surprise on 9/10/I received a FedEx package from Drive Time, thanking me for bringing this matter to their attention; they also sent a $gift card, which I will not accept.What about my credit rating/status that's been damaged, now I know the money was owed to me because the car shouldn't have been sold to us; the vehicle had (25% damage), they owe usThe car should never have been sold, according to the contract.These are the demands I would like to see take place: My credit rating I status restored All monies that were spent on this car replaced: car payments, repair cost, oil changeCan someone please advise us of the next steps that are or will be taken? Clearly Drive Time knows that they have breached their own contract.Thanks in advance
Regards,
*** *** ***

November 7, Revdex.com Ph(602) 212-Fax (602) 263-Re: Complaint # *** To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to readdress our customer’s concernsIf our customers are dissatisfied with their purchase for any reason, DriveTime offers a Vehicle Return Program that allows them to return the vehicle and terminate their Simple Interest Retail Installment Contract within the first five days of their loanOn November 3, 2015, we contacted our customer and began working toward an amicable resolutionWe advised her to contact the repair facility where she had taken the vehicle for diagnosis and have them call a claim into AeverexOur customer was agreeable to this and advised she would reach out to the repair facilityTo date, no claims have been filed with AeverexOn November 7, 2015, we contacted our customer and inquired into whether she had contacted the repair facilityShe advised she had not yet spoken to them, but that she would reach out and advise them to file a claim for the bumper with AeverexOnce a claim is on file with Aeverex, we will review options to assist our customer with any non-covered repairsWithout any new information or claims on file, we are still unable to accommodate our customer’s request to be transferred into a different vehicleWe apologize for any inconvenience or confusion this matter may have causedDriveTime 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