DriveTime

October 23, Revdex.com Ph(602) 264-Fax (602) 263-0997 Re: Complaint # *** To Who It may Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns On June
14, 2013, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Jeep PatriotAttached you will find the Simple Interest Retail Installment Contract for your reference DriveTime offers eligible customers loan modifications to adjust their scheduled due dates and frequencyIn order to qualify for a due date or frequency change, DriveTime requires our customers’ account to be current On August 8, 2015, our customer contacted DriveTime and requested a loan modification to change the frequency and due dates of her loan paymentsOur customer advised DriveTime she had started a new job and wanted to change her payment to a monthly scheduleDriveTime advised our customer if the requested loan modification was approved, she would need to sign the documents and return them to DriveTime by the effective date of the document On September 3, 2015, our customer contacted DriveTime in regards to her loan modification requestDriveTime advised our customer in order to process a loan modification the account would have to be current and the documents would need to be signed and returned before the effective dateOur customer advised she understood and would processes a payment to bring the account currentDriveTime advised our customer once the payment processed, contact DriveTime and we would resubmit the request for the loan modification On September 4, 2015, our customer contacted DriveTime to re-request the loan modificationDriveTime verified the customer’s payment had processed in full and submitted the loan modification request for review On September 9, 2015, our customer contacted DriveTime to inquire about the loan modification requestDriveTime advised our customer the loan modification documents were completed and awaiting her signatureOur customer requested DriveTime send the documents to her email address on filedDriveTime send the documents as requested On September 10, 2015, DriveTime received the loan modification documents; however, the documents were signed electronically, rendering the documents invalid and not allowing DriveTime to process the loan modification requestDriveTime attempted to contact our customer to advise her of the error, however, we were unable to contact her On September 12, 2015, our customer contacted DriveTime regarding her loan modification requestDriveTime advised our customer the documents must be signed by hand and returned to DriveTimeOur customer advised she understood and informed DriveTime she would be sending the documents the following Monday On September 17, 2015, DriveTime received the signed loan modification documents; however, the effective date of the documents had passed, rendering the documents invalid and not allowing DriveTime to process the loan modification request. On September 23, 2015, our customer contacted DriveTime to inquire about her loan modification requestDriveTime advised our customer the request declined due to the documents being signed after the effective dateOur customer inquired about her current maturity date and how it had been effected by loan modificationsWe explained to our customer how loan modifications effect the maturity date of her loanDuring the conversation with our customer, the call was disconnected On September 30, 2015, our customer contacted DriveTime to discuss the status of her accountOur customer advised DriveTime her new job had already began and she would only be able to make payments on a monthly schedule as previously discussedDriveTime advised our customer once the account was paid current and remained current; we could submitted another loan modification to change the frequency of her scheduled payments On October 1, 2015, our customer contacted DriveTime after bringing her account current to request another loan modificationAlthough our customer’s account was current, she had another payment due October 3, which did not allow enough time to complete the loan modification requestDriveTime advised our customer to complete the scheduled payment, and then request the loan modification allowing the needed time to complete the request before the next payment came due. On October 2, 2015, our customer contacted DriveTime to complete her scheduled paymentDriveTime advised our customer to contact us the following business day and we would request the loan modification to complete the payment frequency changeHowever, DriveTime received no further communication from the customer regarding the loan modification On October 21, 2015, we contacted our customer to discuss her concernsWe advised our customer DriveTime would be willing to offer her an exception to process the loan modification without her account being currentOur customer advised she was satisfied with the resolution On October 22, 2015, DriveTime received the signed loan modification documents from our customerDriveTime contacted our customer and informed her the modification would be processed before her next due dayOur customer advised she was satisfied with this resolution and consider the matter resolved We apologize for any confusion or inconvenience this matter may have causedAs a goodwill gesture, DriveTime has applied a $credit to our customer principle balance DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at 800-965- Sincerely, Josh SDriveTime Customer Relations

I have been working with DriveTime to see if I can get another vehicle, but the whole process has caused unwanted stress and going through the whole car buying process again is just going even more stressfulI do not like that they claim there was a secret lien the vehicle that they did not know about, meaning they do not do proper research and follow protocol when buying and selling their vehiclesThe problem with getting another car is that they base their finance approval rate on your current pay-stubI am a hourly paid worker, so my pay is often higher in seasonal times such as when I went to purchase the carWork is slow currently and I do not think it is fair for them to judge my finance amount on what I currently make, because I specifically went and bout the car at the end of November for a reasonIf I have to get another car, they need to deliver it to me and give me the same APR that I have now, if not better, I refuse to accept anything lessI am very very scared to go back into a dealership as I haven't received any respect from any of the sales members, let alone an apology for their negligence in their inability to register a car properlyI love my current car and I hate to lose it, but if I have to get another one, then I want to get a car with the same APR if not better and if the car is newer then my current one or more expensive, then I believe DriveTime needs to just eat thatI have suffered way to much in the first month of the new year from this unnecessary stress

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn July 9, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a BMWOur customer purchased a year/50,miles
vehicle service contract, administrated by ***Attached you will find the Simple Interest Retail Installment Contract and Vehicle Service Contract for your reference. We encourage our customer to take the vehicle to a repair facility to be diagnosedOnce a claim is filed with ***, we can determine if the repairs are covered by the Vehicle Service Contract and review non-covered components for possible assistanceAs a courtesy, DriveTime has agreed to cover the first hour of diagnostic time. We have made several unsuccessful attempts to contact our customer to discuss her concernsOn March 18, 2015, we sent a letter via certified mail to our customer’s address on fileThe purpose of this letter is to inform our customer of our attempts to reach out to herWe encourage our customer to contact our Customer Relations department at ###-###-####, to discuss her concernsAs 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, DriveTime Customer Relations

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 want the business to perform this action as soon as possible and, if it does, will consider this complaint resolved
Regards,
*** ***-***

January 8, *** *** Revdex.com Ph*** *** *** *** ***Re: Complaint # *** Dear *** ***, Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn November 29, 2014, our customer
entered into a Closed Ended Motor Vehicle Lease Contract, when he leased a Toyota CamryIncluded you will find the Closed Ended Motor Vehicle Lease Contract for your referenceOn January 5, 2015, we reached out to our customer to go over his concerns but he was unable to talk at that timeHowever, we have provided the following information to address the concerns mentioned in his complaint? -On the webpage that advertises the lease program it states, "$Down payment applies to a "starter" class vehicles only…varies slightly by location." It also states additional payments will be needed for the first four paymentsPlease see http://www.drivetimelease.com/? -The Driver’s Seat Quick Guide was provided to our customer at the time of lease to show the different down payment/leasing options availableOur customer signed off on this page at the time, acknowledging the down payment amount for the lease the option he choseThe Driver’s Seat Quick Guide is attached for your review? -To purchase or lease a vehicle through DriveTime, our customers have to fill out a Get Approved Form (GAF) that gives permission to have their credit ranOn page of the GAF it states, "This is an application for credit submitted to DriveTime…ou authorize us to obtain credit or similar reports from one or more consumer credit reporting agencies in connection with this Application." The GAF is attached for your review? -An Experian Vehicle History Report document is not provided with our leased vehiclesHowever, if our customers would like one, they are free to obtain a report from Experian or other similar reporting agencyWe apologize for any miscommunication or misunderstanding regarding the credit inquiryWe are unable to remove are unable to remove the credit inquiry or waive the last two side note payments totaling $As a goodwill gesture, DriveTime has credited our customer’s next side note payment $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

August 31, 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 re-address our customer’s concernsDuring the contracting process, DriveTime required a proof of current income from our customerDriveTime was lead to believe that the information provided by our customer was current and up to dateUnder the terms of the Retail Installment Contract, we notify the customer that we may perform an after sale verification of any information provided to usThis includes the proof of incomeDriveTime provided our customer the opportunity to provide additional proof of his income when verification of his income and employment had failedAdditionally, we provided our customer with the option to return his vehicle if he was unable to provide proof of incomeOur customer declined returning the vehicle and providing proof of income, therefore, DriveTime secured our collateral. Unfortunately, DriveTime is still unable to accommodate our customer’s request for a refund. We encourage our customer to contact our Customer Relations department at 800-965-for further assistance or questions he may haveWe 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 800-965- Sincerely, Jeremy RCustomer Relations DriveTime

January 4, Jasmine Hill Revdex.com Ph(602) 212-Fax (602) 263-0997 Re: Complaint # *** MsHill, Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concernsIn June, our customer attempted to make payment arrangements that were only partially kept. Our customer felt a DriveTime representative told him he only needed to make a partial payment. While we certainly would have accepted a partial payment, the customer remains responsible for any remaining balance. In an attempt to assist our customer, we agreed to provide a two payment deferment that would bring his account current. On December 29, 2015, DriveTime emailed our customer the loan modification documents to be reviewed, signed and submitted in order to process the two payment deferments previously agreed onOnce completed we encourage our customer to fax these documents to *** or email to *** Unfortunately, we are unable to meet our customer’s request of crediting his account for one month of payments as it is our customer’s responsibility to make all payments due on the loanWithout any new information, we are unable to further assist our customerWe encourage him to contact our customer relations department at *** if he has any further concernsShould you have any questions or concerns, please contact us by calling us at *** Sincerely, *** ** DriveTime Customer Relations Department

I DONT ACCEPT ACCEPT WHAT DRIVE TIME IS OFFERING BECAUSE AT THE END OF THE DAY THE CAR DOES NOT WORK! DRIVE TIME IS NOT OWNING UP TO THE FACT THAT MY TRANSMISSION DOES NOT WORK WHEN I PROVIDED THE PROOF THAT IS DATED MARCH 25TH,2016, I PURCHASE THE CAR FEB20, 2016! A MONTH WITH THE CAR I HAVE TRANSMSSION ISSUE, ALOS THE AC DOESNT NOT WORK OR RADIOWHAT WILL DOLLAR DO FOR ME? I CAN EVEN FIX THE RADIO OR FILL UP MY TANK WITH DOLLARS I DO NOT ACCEPT THIS OFFER BECAUSE ITS NOT AN OFFER! AT THIS POINT I WANT OUT OF THE CONTACT! AND I WANT ALL MY MONEY BACK! I WILL NOT GIVE DRIVE TIME ANY MORE OF MY MONEY! I WANT EVERY DIME BACK I PUT INTO THE CAR AND CUT THE CONTRACT AND I WILL GO TO A EGIT COMPANY WHO DOESNT SELL LEMON CARS AND EXTORT MONEY FROM INNCOCENT PEOPLE! I KNOW MY RIGHTS AND WHAT DRIVE TIME IS DOING IS ILLEGAL AND IM SICK OF DEALING WITH THEM!

Please see the attached PDF for our full response.On November 4, 2016, our customer contacted DriveTime in regard to exchanging the vehicleWe inquired as to why she did not return the vehicle in SeptemberOur customer stated that she needed to utilize the vehicle for transportation to her place
of employmentWe inquired if the damage to the vehicle was repaired, as the vehicle would need to be returned in the condition it was sold to herOur customer then ended the call On December 3, 2016, our customer contacted DriveTimeShe stated that she had completed the repairs and wished to accept our offerThat same day, our customer returned to the DriveTime dealershipUpon inspection of the vehicle, we determined there was extensive physical damage to the exterior, including multiple scratches and dentsWe advised we would provide our customer with the opportunity to exchange the vehicle however, she would be responsible for a $damage feeOur customer declined our offer. On December 19, 2016, we contacted our customer to address the concerns in her complaintWe encouraged our customer to provide DriveTime with her expense receipts in relation to the accident damageWe also asked for any pictures taken of the vehicle prior to the accident and after the repairs were completedUpon receiving the aforementioned documents, DriveTime will assess how we can assist our customer and continue to work toward an amicable resolution. We apologize for any confusion or inconvenience this matter may have causedAs a goodwill gesture, DriveTime has applied a credit of $toward our customer’s principal balance DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at 800-965-8043. Sincerely, Brodie HCustomer Relations Department

May 27, *** *** Revdex.com *** *** ***
*** *** *** Re: Complaint # *** Dear Ms***, Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn July 16, 2012, our customer entered into a
Simple Interest Retail Installment Contract with DriveTime when she purchased a Chevrolet HHRAttached you will find the Simple Interest Retail Installment Contract for your referenceOn August 31, 2013, our customer filed for Chapter bankruptcy, with a discharge date on December 16, DriveTime is unable to ensure accounts that are in an active or have a discharged bankruptcy are being reported accuratelyIn order to comply with FCRA (Fair Credit Reporting Act) guidelines, DriveTime will delete trade lines when a customer files for bankruptcy, to ensure no inaccurate reporting occursAt this time, we are unable to accommodate our customer’s request to report her payment history to all three credit bureausAttached is a credit rating letter that our customer can provide to potential creditorsWe strongly encourage our customer to keep a copy for her recordsAs a goodwill gesture, DriveTime has applied $to our customer’s principal balanceDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at *** Sincerely, Jacelynn SDriveTime Customer Relations

Dear Ms***, Thank you for bringing this matter to our attentionWe appreciate the opportunity to readdress our customer’s concernsAt this time, DriveTime has still received no new or additional informationUnfortunately, we are unable to send a representative to our customer’s bank to endorse the insurance checkShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, *** *DriveTime Customer Relations Department

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.Because they are still not accepting that no air compressor goes out that many times in yearsIt's to hot in Texas to always have to deal with a AC issue that should have been fixed twice already and to now expect me to pay anything more is just not rightAnytime I received a call from them regarding this matter I callback when I canEven left messages before finally getting a call backSo them saying I did not reply is a total lieHave call records to prove that. Regards,*** Lewis

[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 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,
*** *** ***

For full response, please see attached. On December 22, 2017, after receiving our customer’s rebuttal response, we contacted her to discuss her concernsOur customer was unwilling to provide additional information as in regards to her dissatisfactionOur customer disputed the fact she
received a copy of the Experian Auto Check Vehicle History Report at the time of saleWe informed her we have a signed copy of this and would be happy to send it to her for reviewOur customer declined and informed us she did not want to discuss the matter any further at this time

May 11, 2016Revdex.com Ph(602) 212-2232Fax (602) 263-0997Re: Complaint #* *** To Whom It May Concern:Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns.On March 30, 2015, our customer entered into a Simple Interest
Retail Installment Contract with DriveTime when she purchased a Honda CR-VThe vehicle came with a 30- day/1,mile DriveCare Limited Warranty, administered by AeverexOur customer purchased a year/50,000-mile Vehicle Service Contract, also administered by AeverexThe Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance CorporationAttached you will find a copy of the Simple Interest Retail Installment Contract, DriveCare Limited Warranty Agreement, and Vehicle Service Contract for your review.At the time of purchase, our customer signed a Safercar.gov Recall Report Acknowledgement stating:“I/we know that DriveTime did not create this report and there may be mistakes or missing informationDriveTime said we should contact a new auto dealer to ask them if there are any safety recalls related to the vehicle.”DriveTime cannot fix any recalls with the vehicles we sellWe encourage our customers to have any recall concerns brought to the attention of the original equipment manufacturer (OEM).On April 9, 2015, our customer contacted Aeverex to express concerns with the back door not working properly, a fluid leak, and AC not being coldAeverex encouraged her to have a diagnosis completed at an in-network repair facility.On April 11, 2015, an in-network repair facility initiated a claim with Aeverex for a pressure steering hose, steering fluid, and steering diagnosisAeverex approved these repairs under the DriveCare Limited WarrantyThe repair facility did not find any problems with the AC. On April 14, 2015, our customer contacted Aeverex inquiring about rental assistance while the vehicle is being repairedAeverex offered her days of rental reimbursement at $per day, totaling $99.88.On April 22, 2015, our customer contacted Aeverex inquiring about an extension of the 30-day/1,mile limited warranty for possible coverage for a windshield replacementAeverex informed her they would not be able to extend the DriveCare Limited Warranty.On May 14, 2015, our customer contacted Aeverex concerning an inspection for the vehicleAeverex informed her they do not cover inspections under the Vehicle Service Contract.On May 27, 2015, our customer contacted Aeverex concerning a fuel system service for the vehicleAeverex informed her a fuel system service is considered a maintenance related item and is non-covered under the Vehicle Service Contract.On June 2, 2015, our customer contacted Aeverex to voice concerns with the AC not workingAeverex encouraged her to have an AC diagnosis completed at an in-network repair facility.On June 15, 2015, our customer contacted Aeverex to inform them that the in-network repair facility did not diagnose any problems with the ACAeverex informed her that she could have a second diagnosis completed at another in-network repair facility but there will be a $deductible for approved repairs, with the Vehicle Service Contract being administered.On April 15, 2016, we spoke with our customer in attempt to address their concerns with the recalls for the vehicleOur customer informed us the component to fix the recall is on a back-order and will not be available until around summer of We advised her we would not be able to assist with the recalls as this is handled by the OEMWe encouraged her to contact the OEM and inquire about expediting the component.On April 18, 2016, our customer contacted Aeverex inquiring how to cancel the Vehicle Service ContractAeverex sent the cancellation paperwork to her email address on file.At this time, we have not made contact with our customerWe are willing to offer her the following resolution:DriveTime agrees to:• Waive deficiency balance of $16,964.08• Delete trade line from all three (3) major Credit Bureau reporting agencies In exchange, Customers agrees to:• Report this matter as resolved and dismissed with prejudice (as applicable) to any court or governmental private agency that you have filed a complaint with, if any.We have made several unsuccessful attempts to contact our customer to discuss her concernsOn May 3, 2016, we sent a letter via certified mail to our customer’s address on fileThe purpose of this letter is to inform our customer of our attempts to reach out to herWe request our customer contact our Customer Relations Department at 800-965-8043, by May 17, to accept our offer and address any other concerns.We apologize for any confusion or inconvenience this matter may have caused.We thank the Revdex.com for their continued support and for allowing DriveTime to address our customer’s concernsIf you have any questions, please contact us at 800-965-8043.Sincerely, Carlos S.Customer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn August 21, 2014, our customer entered into a Simple Interest Retail Installment contract with DriveTime when he purchased a Dodge Ram Attached you will find the Simple
Interest Retail Installment contract for your referenceOn October 20, 2014, we offered our customer the following options: ? Provide an economy size rental vehicle is available to drive? Enter into a legal settlement in which DriveTime agrees to refund our customer’s down payment and our customer agrees to release possession of the vehicle to DriveTimeOur customer rejected both offers and advised us that the dealership was trying to find him a different vehicleOn October 21, 2014, we informed our customer that the vehicle would be registered by Saturday, October 25, Our customer informed us he would rather have a different vehicleOn October 22, 2014, the dealership submitted the paperwork to assist our customer in getting into a different vehicleWe informed our customer that, due to the excessive mileage on the vehicle, we would retain $1,in mileage fees to process the exchangeAt this time, our customer had driven 9,milesAt this time, we are unable to accommodate our customer’s request to reimburse for loss of incomeHowever, we are currently working with our customer to put him into a different vehicleWe have offered to waive the $1,in mileage feesAs a goodwill gesture, we have credited our customer’s principal balance $DriveTime thanks the *** *** *** for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, DriveTime Customer Relations

(Please see the attached for the full response.)Thank you for bringing this matter to our attentionWe appreciate the opportunity to readdress our customer’s concernsSilverRock is an affiliate of DriveTimeTherefore, DriveTime is working closely with SilverRock on behalf of our customer to address her concerns in a timely manner. Our customer first mentioned her concern with the tires on September 11, Within the first 30-days or 1,miles of purchase, should the tires need replacement, SilverRock would authorize the repairs with no out of pocket cost to our customer per the terms of the Limited WarrantyDuring our customer’s Limited Warranty period, she was provided the contact information for five different repair facilitiesHowever, no claim was initiated until approximately three months later on December 26, As our customer was outside of the Limited Warranty, these repairs were denied as non-covered components under the Vehicle Service ContractAt this time, our initial offer to cover the cost of one tire remains openShould our customer provide further photographs verifying the other tires are in need of replacement, DriveTime is willing to review the matter furtherThese photographs would need to be provided to us by January 17, The continuation of this review relies on the cooperation of our customer should she desire further review

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns
On February 29, 2012, our customer entered into a Simple Interest Retail Installment contract when she purchased a Chrysler PT CruiserThe vehicle came with a year/36,
DriveCare Limited WarrantyIncluded you will find the Simple Interest Retail Installment contract and the DriveCare Limited Warranty for your reference
On August 26, 2014, we reached out to our customer to address her concernsShe informed us she has not driven the vehicle since it broke down months ago, however she has not taken the vehicle in for a diagnosisShe also informed us she had difficulty obtaining insurance due to the vehicle being a flood vehicleShe also stated she wants all money put into the loan refunded to her and return the vehicle
We advised our customer we need to identify what needs to be repairedOnce we have that information, we can determine how we can assistThis step would go through the warranty, however we were willing to waive the diagnostic fee and deductible as a courtesyOur customer declined
To address flood claims, we pulled up the Experian AutoCheck Vehicle History Report from the time of saleThe Report can indicate the vehicle being registered in a storm area, and/or have a water damage recordIf any of the items were applicable, these items would be noted in the Vehicle Information section on the Experian AutoCheck History ReportOur customer signed and acknowledged the reporting of a clear history from water damageWe have attached the Experian AutoCheck Vehicle History for your referenceWe asked our customer to provide us with the documents the insurance company obtained the flood information from but she declined to send it because the insurance company told her to not to release it to DriveTime
To address the refund our customer was requesting, we advised a refund of all payments made into the loan is not a possibilityIf she decided to return the vehicle, the payments would stay with the vehicleIn addition, to consider the possibility of getting her out of the vehicle, we would need to know what repairs are needed on the vehicle, which our customer declined to do
At this time, our customer would like DriveTime to apprehend the vehicle as a repossession and not go through the process needed to see what resolution we can ultimately provide
As a goodwill gesture, DriveTime has sent our customer a $American Express gift card
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

September 24, Revdex.com Ph*** *** *** *** *** Re: Complaint # *** 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 14, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Ford FiestaOur customer purchase a year/36,miles Drivers Seat Limited Warranty, administrated by AeverexAttached you will find the Simple Interest Retail Installment Contract and the DriveCare Limited Warranty for your reference At the time of sale, our customer singed an optional products disclosure stating she understood that the Drivers Seat Limited Warranty, GAP Coverage, and Skylink Service were optional products and that purchasing them was not a requirement to finance the vehicle with DriveTimeOur customer opted to purchase all three of these productsThe Optional Products Disclosure has been attached for you reference At the time of signing, DriveTime reviews each document with our customers and ensures they understand the information withinBy 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 contractIn addition, we record all of our closings, and a centralized group typically reviews in excess of 1,closings each month to ensure adherence to our standards, including the disclosure of all terms and interest rate. If our customers are dissatisfied with their purchase for any reason, DriveTime also 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 loanPlease refer to page of the Retail Purchase Agreement: “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…no later than the close of business on the fifth calendar day….” DriveTime customers have the ability to cancel their Optional Products for a full refund in the first sixty days after the contract purchase dateOn page two of the DriveCare Limited Warranty under “Cancellation including refunds and charges” it is stated: “ In the event this contract is cancelled y Your are described above, then; (a) You are entitled to a full refund less cancellation fee if: (1) You contact and provide the written notice of cancellation to the Administrator within the first days after the Contract Purchase Date…” On July 22, 2015, DriveTime received notification from Aeverex that our customer had elected to cancel her DriveCare Limited WarrantyDriveTime applied a refund of $2,to the customer’s principal balance On August 26, 2015, our customer contacted DriveTime to inquire how her monthly payments had changed since she canceled the DriveCare Limited WarrantyWe advised our customer the refund does not affect the interest rate or monthly payments for her loanWe advised our customer by applying the refund to the principal balance the customer would have less of a balance due, potentially allowing her to pay of the loan prior to the maturity date On September 8, 2015, our customer contacted DriveTime to obtain proof the DriveCare Limited Warranty had been canceled and the refund was appliedWe offered to email our customer her transaction history showing the principal refund adjustmentWe advised our customer the transaction history would show the refund applied to her account on July 22, On September 14, 2015, our customer contacted DriveTime and attempted to obtain a new Federal Truth in Lending Disclosure, and an updated payment scheduleWe advised our customer the Federal Truth and lending Disclosure would not changeWe advised our customer we would not be able to provide a new payment schedule as the payment schedule would stay the same however due to the principal refund adjustment, if she continued to make her payments as scheduled she would pay the loan offer prior to maturity On September 15, 2015, our customer contacted DriveTime to obtain a breakdown of her principal refund adjustmentWe advised our customer her original loan amount was for $11,We advised our customer when the principal adjustment refund of $2,had been applied; it lowered her loan balance to $8, At this time, we are unable to accommodate our customer request for an updated Federal Truth in Lending Disclosure, as the terms of the contract do not change with the cancelation of an Optional productWe have made several unsuccessful attempts to contact our customer to discuss her concernsOn September 23, 2015, we sent a letter via certified mail to our customer’s address on fileThe purpose of this letter is to inform our customer of our attempts to reach out to herWe encourage our customer to contact our Customer Relations Department at ***, to discuss her concerns We apologize for any confusion or inconvenience this matter may have causedAs a goodwill gesture, DriveTime has applied a $credit to our customer principal balance DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us ** *** *** Sincerely, Josh SDriveTime Customer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customers’ concernsOn March 20, 2014, our customer entered into a Cancel Anytime Lease Contract when she leased a Dodge CaliberIncluded you will find the Cancel Anytime Lease Contract for your
referenceOn February 4, 2015, our customer called DriveTime and informed us she would need to make a payment arrangement on her accountOur customer agreed to make her payment of $on February 12, 2015, as an exceptionOn February 7, 2015, our customer informed us an automatic payment was taken out of her bank account, causing an insufficient funds fee of $from her bankWe informed our customer to fax or email a full running bank statement showing the chargesOn February 13, 2015, we informed our customer that we received one page of the bank statement and that we needed a full running bank statement to show charges to her accountWe have made several unsuccessful attempts to contact our customer to discuss her concernsOn February 19, 2015, we sent a letter via certified mail to our customer’s address on fileThe purpose of this letter is to inform our customer of our attempts to reach out to herWe encourage our customer to contact our Customer Relations department at ###-###-####, to discuss her concernsAs a goodwill gesture, DriveTime has applied a $credit to our customer’s accountDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, DriveTime Customer Relations