DriveTime

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On June 13, 2014, our customer entered into a Closed End Motor Vehicle Lease with DriveTime, when she leased a 2006 Pontiac G6. Included you will find the Closed End Motor...

Vehicle Lease for your reference.
At the time of lease, our customer agreed to make periodic payments of $192.15 beginning June 26, 2014, followed by 64 periodic payments of $192.15 due every other Thursday.
Additionally, our customer signed and reviewed a "Lessee Disclosure Statement and Agreement for Installation of a GPS System" which states, under subtitle 2 (g):
"I understand the GPS device contains an internal component that can make a buzzing sound. I understand and agree You may activate the buzzing sound in connection with the servicing of my Lease Contract."
On June 26, 2014, our customer made a payment of $183.50. We informed our customer her payment amount was $192.15 and that she was still a balance of $8.65 remaining.
On July 24, 2014, our customer contacted us regarding her past due payment. We informed our customer that her account was past due for the July 10 and July 24 payments each for $192.15. Our customer made a payment of $180.00 and set a payment arrangement for August 8, 2014 to make a double payment of $384.30. Our customer stated that she would pay the remaining $12.15 at a later date.
On August 11, 2014, our customer informed us that her insurance company double-drafted her insurance payment and that she needed to make payment arrangements for her past due amount with us. We advised our customer that her account was 32 days past due. We advised our customer that a payment of $405.10 is required by August 12, 2014 in order for her to retain possession of her vehicle.
On August 13, 2014, our customer completed both payments of $116.00 and $289.10 to bring the account current.
On August 25, 2014, our customer made a payment of $183.00.
On September 9, 2014, our customer made a payment of $165.00.
On September 22, 2014, our customer made a payment of $150.00.
On October 7, 2014, our customer made a payment of $140.00.
On October 14, 2014, the vehicle was recovered for default due to non-payment, at 12 days past due for $130.60. Please refer to page 3 of the Cancel Anytime Lease, section 11 "Default, Repossession, and Other Remedies":
"The following are events of default: (A) You fail to pay any periodic payment when due or any other amount you owe under this Lease when we ask you for it…"
On October 29, 2014, we contacted our customer and offered the following resolution:
DriveTime agrees to:
? Waive the $300.00 recovery fee
? Waive the $125.00 re-keying fee
In exchange, Customer agrees to:
? Pay past due amount of $514.90 by October 31, 2014 to redeem the vehicle.
As a goodwill gesture, DriveTime has mailed a $25.00 American Express gift card to our customer.
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,
DriveTime
Customer Relations

Thank you for bringing this matter to our attention. We 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 2012 Ford Fusion. The vehicle came with a...

30-day/1,500 mile DriveCare Limited Warranty, administered by Aeverex. Attached you will find the Simple Interest Retail Installment Contract and the DriveCare Limited Warranty Agreement for your reference. All DriveTime vehicles are thoroughly inspected at our DriveTime inspection centers prior to sale. 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 31, 2015, our customer contacted Aeverex with concerns that the vehicle would not start. Aeverex referred our customer to an in-network repair facility to have the vehicle diagnosed. On August 3, 2015, our customer contacted DriveTime and advised that the vehicle would not start. Per the DriveCare Limited Warranty, Aeverex offers up to a $75.00 tow reimbursement. After our customer expressed concerns of paying out-of-pocket for the tow, DriveTime agreed to make a one-time exception to cover the cost of the tow in full. On August 4, 2015, an in-network repair facility filed a claim with Aeverex for a gas injector and a cylinder head temp sending unit. Aeverex approved all repairs and diagnostic fees in full under the terms of the DriveCare Limited Warranty. That same day, our customer contacted DriveTime and inquired into the resolution of the claim. We informed our customer that Aeverex had covered the repairs in full per the terms of the DriveCare Limited Warranty. Our customer inquired about DriveTime’s ability to provide her with transportation while the vehicle was being repaired. We advised that we do not offer loaner vehicles; however, we do offer rental reimbursement of up to $25.99 per day while the vehicle is being repaired. We also offered to provide a lock-in rental reservation of $25.99 per day through DriveTime’s rental agency partner. On August 5, 2015, our customer contacted DriveTime and expressed her concerns with the DriveTime sales lot where she purchased her vehicle. Our Customer Relations Department reviewed our customer’s concern and offered a $50.00 credit to her account for her inconvenience. We contacted the in-network repair facility to inquire into the status of the repairs and to get an estimated time for completion. The in-network repair facility advised that the repairs had been approved in full, and they would be completed the following day. On August 7, 2015, our customer contacted DriveTime and advised that a DriveTime representative told her that she could return the vehicle and receive a full refund of her down payment. We informed our customer that a refund of the down payment was not an option at this point, as she was outside of the allotted five-day Vehicle Return Period. However, we advised our customer that as a goodwill gesture, we would credit $100.00 to her account. Our customer advised that she would accept this offer and consider the matter resolved. 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

July 29, 2016   Jasmine Hill Revdex.com Ph. (602) 212-2232 Fax (602) 263-0997    Re: Case #[redacted]     Dear Ms. Hill,   Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.   If...

potential customers are interested in purchasing a vehicle with DriveTime, we encourage them visit our nearest lot for further assistance. DriveTime Sales Advisors have the ability to review available inventory, financing options and the numerous products and programs DriveTime offers with our customers.   Alternatively, our customers can visit [redacted] and review additional inventory options across every DriveTime dealership. If our customers are interested in a vehicle at a different location, DriveTime may be able to make an exception and have the vehicle transported to a local dealership. Regrettably, this is not always an option and we are unable to accommodate our customer’s request.   Our goal is to successfully finance our customers into a vehicle that best suits their needs. We encourage our customers to research all aspects of the vehicle they are interested in to ensure that they are satisfied with all aspects of the sale, prior to signing a contract. While our customers take time to review their potential purchase, DriveTime will not pursue selling the vehicle, or transporting the vehicle, that they are interested in to a different party.   On July 25, 2016, DriveTime contacted our potential customer to address his concerns. We advised him of the aforementioned information and inquired if he was still interested in financing a vehicle with us. He indicated that he was with a third party who was interested in purchasing a vehicle with DriveTime, however, they were no longer interested.   Continued... (Full version provided to the Revdex.com)

(Please see attached for full response)On August 10, 2017, our customer contacted DriveTime to discuss the repairs. She expressed concerns the DriveTime Limited Warranty would be expired prior to her appointment at the INRF. DriveTime advised since we have a record of her concerns from an INRF that...

we would waive the diagnostic fee, as a goodwill gesture, if the claim needed to be re-initiated under the VSC. On August 11, 2017, our customer voluntarily surrendered the vehicle to her local DriveTime dealership. Later this same day, the account was changed to a Back Out status. The contract will be fully rescinded, the trade line deleted from our customer’s credit history, and our customer will not be responsible for any balance owed towards the loan. Per normal process, it will take the three major credit bureaus 30 to 90 days to update our customer’s credit report. We have made several attempts to contact our customer but have been unsuccessful. We will continue our attempts to do so. Should our customer desire to discuss her concerns, we encourage her to contact our Customer Relations department at [redacted].

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On May 24, 2014, our customer entered into a Simple Interest Retail Installment Contract when he purchased a 2010 Honda Insight. Our customer also purchased a 5 year/50,000 mile...

vehicle service contract, administered by Aeverex. Included you will find a copy of the Aeverex Protection Plan Vehicle Coverage agreement and Simple Interest Retail Installment Contract for your reference.
At the time of sale, our customer purchased the following optional products:
DriveCare Powertrain Protection
GAP coverage
SkyLink Service
Included you will find the optional products disclosure for your reference.
At this time, DriveTime has reached out to our customer and come to an amicable resolution. We have offered our customer the opportunity to re-contract the Simple Interest Retail Installment Contract and remove the optional products listed above.
In addition, the auto pay feature has been updated with his correct bank account information.
As a goodwill gesture, DriveTime has mailed our customer a $50.00 American Express gift card.
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]
Customer Relations Analyst

November 5, 2015 Revdex.com Ph. (602) 212-2232 Fax (602) 263-0997  Re: Complaint # [redacted]
* To Whom It May Concern: Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On October 17, 2015, our customer...

entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2007 Ford Explorer. The vehicle came with a 30 day/1,500 mile DriveCare Limited Warranty, administered by Aeverex. Attached you will find the Simple Interest Retail Installment Contract, Retail Purchase Agreement, and DriveCare Limited Warranty Agreement for you reference. If 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 loan. Please refer to page 1 of the Retail Purchase Agreement, under “Vehicle Return Program”: “You will give me the ability to return the Vehicle to DriveTime and rescind this Retail Purchase Agreement so long as I return the Vehicle: 1) To the DriveTime dealership where I purchased it within five calendar days….” On October 23, 2015, our customer contacted DriveTime and advised she was having issues with the front bumper on the vehicle. We contacted Aeverex and requested that they accept a claim for bumper repairs from an in-network repair facility and then forward it to DriveTime for review. On October 24, 2015, our customer contacted Aeverex regarding her front bumper concerns. Aeverex authorized her to take the vehicle to an out-of-network repair facility for diagnosis and advised that once a claim had been filed, it would be forwarded to DriveTime for review. To date, no claims have been filed with Aeverex by a repair facility. That same day, our customer contacted DriveTime and inquired into whether we could extend the Vehicle Return Program and allow her to return the vehicle outside the initial five days of her loan. We advised that without a claim on file with Aeverex, this was not an option, but that once the claim had been filed, we could review options to assist. As a goodwill gesture, we approved 3 days of rental reimbursement (up to $25.99 a day) without the vehicle being at a repair facility. This allowed time to have the vehicle diagnosed and an estimate sent to DriveTime for review. On October 26, 2015, our customer went to the DriveTime dealership where she purchased and advised she was unable to pay for a rental vehicle until the upcoming Friday. The dealership offered to repair the bumper temporarily until our customer was able to take the vehicle to the repair facility on Friday and obtain a rental vehicle. However, our customer was not satisfied with this offer of assistance and advised she would seek legal counsel. To date, no letter of representation from an attorney has been received for our customer. On November 3, 2015, we contacted our customer and began working toward and amicable resolution. We advised her to contact the repair facility where she had taken the vehicle for diagnosis and have them call a claim into Aeverex. Our customer was agreeable to this and advised she would reach out to the repair facility. Once a claim is on file with Aeverex, we will review options to assist her with any non-covered repairs. At this time, we are unable to accommodate our customer’s request to be transferred into a different vehicle. We apologize for any inconvenience or confusion this matter may have caused. As a goodwill gesture, DriveTime has credited $25.00 towards 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 800-965-8043. Sincerely, [redacted] DriveTime Customer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns.Our customer states she called the dealership on December 6, 2014 in regards to returning the vehicle. We advised our customer that we reached out to the dealership in regards to the conversation. The dealership associate stated the customer was informed of the 24-hour return period from date of purchase. We advised our customer we must abide by the contractual agreement signed on December 3, 2014.Our customer also alleges that it is illegal to sell vehicles with recalls on them. Our company does not check for active recalls prior to sale. Additionally, as a company, we research all legal aspects for the states we conduct business in to make sure we are complying with the laws.On page four of the Cancel Anytime Lease Contract, under "Maintenance" it states:"If the Vehicle is recalled, you will have the recall repairs or service performed…We have no obligation to provide you with a replacement Vehicle for any reason."At this time, we are unable to provide our customer with a refund of her down payment. We have made multiple exceptions to get the vehicle fixed without any out of pocket costs and the mechanical issue has been resolved. The credits have posted to her account, leaving the $13.60 past due balance with an upcoming regular payment due on December 26, 2014.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,DriveTimeCustomer Relations

Please see the attached PDF for our full response.On October 26, 2016, we spoke with our customer regarding the vehicle’s repairs. We advised that we received the itemized estimate from Aeverex and after further review, we would be unable to offer assistance as the repairs listed on the estimate are...

routine maintenance and up-keep. We informed our customer that it is not uncommon to see maintenance and other repairs come up when there is excessive mileage driven in less than year. According to our records, she has driven 22,781 miles since leasing her vehicle.  On November 4, 2016, we contacted our customer in an effort to address her concerns. We advised that we would be unable to accommodate her request to approve the above-mentioned repairs or allow her to return the vehicle and terminate the Lease Contract. Our customer was not satisfied with DriveTime’s response and advised that she wished to return the vehicle if DriveTime was unable to accommodate her requests. At this time, DriveTime advised that should she choose to return the vehicle, all payments would be retained for time and use of the vehicle, including her initial due at signing. Additionally, early termination of her Lease Contract may yield additional fees, such as wear and tear, and may prevent her from doing business with DriveTime in the future. Nonetheless, as this is a Lease Contract, DriveTime does not report to the credit bureaus and there will be no adverse credit reporting upon returning the vehicle. We apologize for any confusion or convenience this matter may have caused. As a goodwill gesture, DriveTime has credited our customer’s Lease account $25.00. 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, Brodie H. Customer Relations Department

We have made several unsuccessful attempts to contact our customer to discuss herconcerns. Our first attempt was made September 28, 2016, when we left a voicemail onour customer’s phone number listed in her account. We made another attempt to reach ourcustomer on September 30, 2016, although the call was answered, the line wasdisconnected before we could reach our customer. Our most recent attempt was made onOctober 3, 2016, which resulted in another voicemail instructing our customer to reach outto us.On October 3, 2016, we sent a letter via certified mail to our customer’s address on file.The purpose of this letter is to inform our customer of our attempts to reach out to her. Weencourage our customer to contact our Customer Relations Department at 800-965-8043,to discuss her concerns.DrivTime would like the opportunity to address our customer’s concern and will continueour attempts until we reach a mutual understanding.

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On June 5, 2015, our customer entered into a Closed End Motor Vehicle Lease Contract with DriveTime when she leased a 2007 Jeep Compass. The vehicle also came with a Drivers...

Seat Limited Warranty, administered through Aeverex. The Closed End Motor Vehicle Lease Contract and the Drivers Seat Limited Warranty Agreement have been attached for your review. On June 8, 2015, our customer contacted Aeverex with concerns about a loud noise when braking. Aeverex referred our customer to an in-network repair facility to have the vehicle diagnosed. On June 9, 2015, an in-network repair facility filed a claim with Aeverex for the left-front lower control arms, left-front tie rod end, alignment, and steering diagnosis. Aeverex approved all repairs and diagnostic fees in full under the terms of the Drivers Seat Limited Warranty. On June 19, 2015, an in-network repair facility filed a claim with Aeverex for a steering diagnosis and hood prop rod clip. Aeverex approved all repairs and diagnostic fees in full under the terms of the Drivers Seat Limited Warranty. On June 23, 2015, our customer contacted Aeverex about a check-engine light that was on in the vehicle. Aeverex referred our customer to an in-network repair facility to have the vehicle further diagnosed. No claim was filed in regard to this matter. On July 6, 2015, our customer contacted Aeverex about a knocking noise in the vehicle. Aeverex encouraged our customer to take the vehicle to an in-network repair facility to have this issue diagnosed. Our customer contacted DriveTime and advised she did not wish to take the vehicle back to an in-network repair facility. We advised our customer that we would make an exception to waive the diagnostic fee at an out-of-network repair facility as a goodwill gesture. On July 7, 2015, DriveTime contacted Aeverex and advised them to waive the diagnostic fee at an out-of-network repair facility to allow our customer to get a second opinion about her concerns regarding the vehicle. On July 9, 2015, an out-of-network repair facility filed a claim with Aeverex for the struts, control arm shafts and bushings, rotors, brake pads, oil pan, transmission fluid, and valve cover gasket. The repair facility advised that the leaks, struts, and brakes were just preventative maintenance items and were not a safety concern. The estimate for these repairs was sent to DriveTime for review. On July 13, 2015, DriveTime contacted Aeverex and advised we would make an exception to approve all of the above-mentioned repairs except for the struts, which were deemed only to be a noise concern. Our customer was responsible for a $100 deductible, rather than the standard $200 deductible for an out-of-network repair facility. On July 16, 2015, our customer contacted Aeverex with concerns that she was still hearing a knocking noise in the vehicle. Aeverex advised our customer that she could take the vehicle back to the out-of-network repair facility for further diagnosis, and if there was an issue with repairs that had been approved, the work would be warrantied. Aeverex informed our customer that if the struts were causing the noise, she would be responsible for the diagnostic fee, as struts were a non-covered component and they currently presented no safety concerns. On July 17, 2015, DriveTime’s Customer Relations department spoke to our customer and attempted to address her concerns. We explained that the struts were not being covered because there were no current failures or safety concerns, and they were only causing a noise. We advised that noise concerns were not something for which we were able to offer assistance. On July 20, 2015, our customer contacted Aeverex to find out why struts are not covered under the terms of the Drivers Seat Limited Warranty. Aeverex advised our customer that no failures had been demonstrated with the struts and that they were only able to assist with mechanical failures. All DriveTime vehicles are thoroughly inspected at our DriveTime inspection centers prior to sale. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, there is no need to replace it. At the time of sale, our customer signed a Vehicle Delivery Checklist, which has been included for your reference. On this document under “Important Reminder,” it is stated:“Our focus in the multi-point inspection is primarily the safety and reliability of your vehicle. …Please ensure you are comfortable with the condition of the vehicle prior to leasing.”Additionally, on the Vehicle Delivery Checklist under “Maintenance Items,” it is stated:“These maintenance items are subject to replacement only upon failure of the component.”On July 21, 2015, we spoke to our customer and are currently working toward an amicable resolution. We encouraged our customer to take the vehicle back to an in-network repair facility for further diagnosis. We advised that if any further mechanical failures were found, we would review options to assist. Our customer advised she would instead contact the repair facility that had advised her the struts were failed and ask them to file a claim with Aeverex. To date, no further claims have been called in to Aeverex. We apologize for any inconvenience or confusion this matter may have caused. As a goodwill gesture, DriveTime has applied a $25.00 credit toward our customer’s payments. DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely,[redacted]DriveTime Customer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customers’ concerns. On September 18, 2014, our customer entered into a Closed End Motor Vehicle Lease with DriveTime, when she leased a 2008 Suzuki. The vehicle included a limited warranty,...

administered by [redacted]. Attached you will find the Closed End Motor Vehicle Lease and the limited warranty agreement for your reference. We have made several unsuccessful attempts to contact our customer to discuss her concerns. On October 22, 2014, we sent a letter via certified mail to our customer’s address on file. The purpose of this letter is to inform our customer of our attempts to reach out to her. We encourage our customer to contact our Customer Relations department at ###-###-####, to discuss her concerns. As a goodwill gesture, DriveTime has applied a $25.00 credit to our customers’ account. DriveTime thanks the [redacted] for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, DriveTime Customer Relations

For full response, please see attached. On November 4, 2017, our customer entered into a Simple Interest Retail Installment Contract when she purchased a 2016 Nissan Versa Note from DriveTime. The Contract was subsequently assigned to Bridgecrest Acceptance Corporation (Bridgecrest) and is...

attached for your reference.  DriveTime had the opportunity to investigate our customer’s concerns. We determined that the mileage listed on our online advertisement was incorrect. On our website, it listed the mileage for the 2016 Nisan Versa Note as 18,655, whereas the actual mileage was 48,419. DriveTime sincerely apologizes for this misleading information. We will be exploring all training opportunities with our dealership to ensure that our advertisements are an accurate representation of our vehicles and that all the contracting information is factual.   DriveTime has not been able to make contact with our customer since receiving her complaint on November 8, 2017. Our customer has since elected to return the 2016 Nissan Versa Note during her return period. As a token of our apology, DriveTime has sent our customer a $50.00 [redacted] gift card to her address on file. We will continue our efforts to reach our customer in hopes of coming to an amicable resolution.

Our customer entered into a Simple Interest Retail Installment Contract when he purchased a 2010 Chevrolet HHR from DriveTime. The vehicle came with a 30-day / 1,500-mile DriveTime Limited Warranty (Warranty), administered by [redacted]. Our customer also elected to purchase the following ancillary...

products: 5-year / 50,000-mile Vehicle Service Contract, which is administered by [redacted], Guaranteed Asset Protection (GAP), and MotionGPS. These products can be cancelled at any time throughout the loan. A prorated refund will be applied towards the principal balance. The Contract, DriveTime Limited Warranty, and Optional Products – Disclosure are attached for your reference. At DriveTime, we aid potential customers in finding the right vehicle for them. We determined what the financial stipulations would be for each vehicle by using the consumers’ income level, credit score, and the price of the vehicle in interest. If consumers have a vehicle in mind, we encourage them to express their interest to us so we may generate the requirements to purchase/finance the vehicle.As mentioned above, the Warranty does come with the vehicle. It covers the diagnostic costs within the first 1,500 miles or 30 days after purchase. Additionally, [redacted] has the ability to authorize rental reimbursement up to $25.99 per day based on labor time. On page one, under section titled Coverage: 30 Day / 1,500 Mile Limited Warranty, it provides a list of items, including glass, that are non-covered repairs under the Warranty. The only repair claim was initiated with [redacted] on September 21, 2017. The repair facility advised that an alignment would correct the concerns with the vehicle pulling to one side. There were no recommended repairs to any brake components, gas pedal, or the windshield. They further advised that our customer filled the vehicle’s gas tank with diesel fuel, which caused the vehicle to cut off while driving....(continued on attached)

I had my eye on a car from drive time. I sat down gave all my information and was to get a call back shortly. I waited two days than no phone call.[redacted]

Dear Ms. [redacted], Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On August 16, 2013, our customer entered into a Simple Interest Retail Installment Contract when she purchased a 2007 Kia Sportage. Included you will find the...

Simple Interest Retail Installment Contract for your reference. On May 28, 2014, DriveTime contacted our customer and came to an amicable resolution. At this time, DriveTime has agreed to waive our customer’s deficiency balance and delete the trade lines from her credit report. In exchange, our customer has agreed to release possession of the vehicle to DriveTime. As a goodwill gesture, DriveTime has mailed a $25.00 [redacted] Gift Card to our customer. DriveTime thanks the Revdex.com for their ongoing support. Should 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 attention. We appreciate the opportunity to address our customer’s concerns. On July 16, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2012 Ford Fusion. That day, our customer paid off...

her original DriveTime loan when she traded in the 2004 Chevrolet Malibu she had purchased on March 10, 2012. Attached you will find the Simple Interest Retail Installment Contract for both loans for your reference. In October 2014, DriveTime temporarily ceased credit reporting to all three major credit bureau agencies. This cease was due to required system enhancements taking place in the manner DriveTime reports to the credit bureaus. We have completed the necessary updates with [redacted] and [redacted], and they have uploaded our customers’ account information for public viewing. We anticipate the enhancements with [redacted] will be completed no later than the end of May. On March 9, 2015, our customer contacted DriveTime with concerns that her accounts were not reflecting on her credit reporting. We informed our customer about the abovementioned system enhancements and advised that reporting for her active account should reflect within 30-60 days. On March 10, 2015, our customer contacted DriveTime with concerns that she had to purchase a vehicle with an interest rate of 20% from an outside company because of the effects DriveTime’s credit reporting suppression had on her credit score. Our customer asked us to either provide her with monetary compensation for this hardship or provide her with a rental vehicle for two months. We advised our customer these were not forms of assistance we were able to offer. That day, a credit rating letter was e-mailed to our customer; these letters give 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 March 11, 2015, our customer contacted DriveTime with concerns that the credit rating letter she was sent was only showing her recent account, with no mention of her original account. We advised her that we would submit a request to have a credit rating letter for her original account sent to her. In response to our customer’s concerns about her new vehicle loan’s high interest rate, we recommended that she consider refinancing the loan once all credit-reporting updates were complete. On March 13, a credit rating letter for our customer’s original DriveTime account was sent to our customer via e-mail. 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 loans. For this reason, we are no longer able to report on accounts that were paid prior to October 1, 2014. We are unable to resubmit a loan that was paid prior to October 2014 for reporting, as this would appear as a new trade line and would be more detrimental to our customers’ credit. When an account is paid, DriveTime reports one final time with the account’s final status. We cannot then continue to report this account; therefore, we cannot reinstate anything paid prior to October 2014.At time of sale, our customer opted to purchase GAP Coverage on the 2012 Ford Fusion. In the case of a total loss, if a customer’s insurance does not fully pay of the loan, GAP Coverage will pay off the remaining balance. The customer then has the opportunity to get into a comparable DriveTime vehicle at the same interest rate as their previous loan; there are often zero-down options available. At this time, our customer has not taken advantage of the opportunity to get into another vehicle with DriveTime at the comparable interest rate of 14.9%. The GAP Installment Sale Contract/Loan/Lease Agreement Addendum has been included for your review.On May 9, 2015, we contacted our customer and attempted to address her concerns. We discussed the above information and explained why DriveTime is unable to reinstate the trade line for her original account to the credit bureaus. Our customer was not satisfied with this information and advised she would continue to escalate the matter until she reached her desired resolution.At this time, we are unable to accommodate our customer’s request for DriveTime to reinstate the trade line for the 2004 Chevrolet Malibu account. If in the future our customer should require further documentation of her loans to apply for credit, or if a creditor requests a letter, we would be happy to make additional credit rating letters available. We apologize for any inconvenience or confusion this matter may have caused. As a goodwill gesture, DriveTime has mailed a $25 American Express gift card to the address our customer provided. DriveTime thanks the Revdex.com for their continued support. If you have any questions, please contact us at ###-###-####. Sincerely,[redacted]DriveTime Customer Relations

June 30, 2015[redacted]Revdex.comPh. [redacted]Fax [redacted]Re: Complaint # [redacted]Dear Ms. [redacted],Thank you for bringing this matter to our attention. We appreciate the opportunity toaddress our customer’s concerns.On December 6, 2011, our customer entered into a Simple...

Interest Retail InstallmentContract with DriveTime when she purchased a 2002 Ford Focus. Attached you will findthe Simple Interest Retail Installment Contract for your reference.Our customer agreed to make payments on a bi-weekly basis in the amount of $136.68with first payment due on December 23, 2011.On June 13, 2012, our customer submitted for an Annual Percentage Rate (“APR”) change.Her payments were lowered to $119.82 bi-weekly, with the next payment coming due onJune 22, 2012. Attached you will find a detailed copy of receipts for payments made onour customer’s account from the sale date to present for your review.On October 31, 2014, at 133 days past due, DriveTime placed our customer’s account incharge-off status. Our customer made arrangements with DriveTime to remain in thevehicle and maintain payments until the principal balance was paid off. Once the principalbalance is paid off, our customer’s account will reflect as a paid charge-off.We have made several attempts to contact our customer and address her concerns, but havebeen unable to reach her. DriveTime will continue to attempt to contact our customer tocome to an amicable resolution. We encourage her to contact our Customer Relationsdepartment at [redacted].We apologize for any confusion or inconvenience this matter may have caused. As agoodwill gesture, DriveTime has credited $25.00 to our customer’s principal balance.DriveTime thanks the Revdex.com for their ongoing support. Should you haveany questions or concerns, please contact us by calling us at [redacted].Sincerely,[redacted].DriveTimeCustomer Relations

March 3, 2016   Revdex.com   Re: Complaint # [redacted]   Dear Ms. Hill,   Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.   On February 20, 2016, our customer began contracting into a Simple...

Interest Retail Installment Contract with DriveTime for a 2013 Dodge Avenger. At that time, our customer placed $1,000.00 down towards the purchase of the vehicle. For security purposes, these funds are dropped into a vault and the contracting of the Simple Interest Retail Installment Contract begins.   During the contracting process, unforeseen documentation errors occurred with the trade-in vehicle our customer had brought in. As a result, our customer decided to cease the contracting with DriveTime and requested the $1,000.00 cash down payment be returned. We advised her that DriveTime was unable to open the vault to return the cash to our customer and would have to submit a check for the refund of the monies. Our customer was advised this process can take up to 14 business days to be returned.   That day the DriveTime dealership placed a request for a check to be processed for the full down payment amount of $1,000.00.   On February 22, 2016, DriveTime contacted our customer to reach an amicable resolution. We advised our customer we would expedite the refund process for her as a good will gesture. We advised our customer this process may take 2-3 business days to be processed.   On February 24, 2016, DriveTime overnighted our customer a check for $1,000.00 to the address provided for the down payment refund.   As an additional good-will gesture, DriveTime has sent a $25.00 American Express gift card to the customer’s address on file.   Should you have any questions or concerns, please contact us by calling us at [redacted] Sincerely, DriveTime Customer Relations Department Tell us why here...

I have tried several times to reach Mr [redacted] via email and phone to discuss this matter and he is never available to speak on the phone and does not return calls when I leave a voicemail for him. I have received an email from Mr [redacted] inviting me to call his direct line and he stated he will...

"continue" to try to reach me via phone. I have not received nor missed a call from Mr [redacted] or anyone else at Drivetime.  I still have serveral issues involving the purchase and repossession that are not being addressed by Drivetime. Sincerely[redacted]

Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns On June 11, 2015, we received authorization from our customer to submit an update to all three major credit bureaus to ensure all credit reporting is being reported accurately. On June 16, 2015, DriveTime submitted a correction to the three major credit reporting agencies to update the account to reflect as Paid with 0x30 0x60 0x90. This update should reflect on our customer’s credit reporting in 30-60 days.  We have also sent a Credit Bureau Correction Letter to our customer’s address listed on file. Please allow 7-14 business days for the letter to arrive. Attached is the Credit Bureau Correction Letter for your reference. DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, [redacted] DriveTime Customer Relations