DriveTime

February 28, 2014

Lyndsey Mullens

Revdex.com

Ph. ###-###-####

Fax ###-###-####

Re: Complaint # [redacted]

Dear Ms. Mullens,

Thank you for bringing this matter to our attention. We appreciate the...

opportunity to address our customer’s concerns.

On October 27, 2008, our customer entered into a retail installment contract when she purchased a 2005 Ford F150 Pickup. The retail installment contract is included for your reference.

On April 25, 2013, our customer traded in her vehicle and upgraded into a 2008 Chrysler Town and Country.

On February 25, 2013, we contacted our customer and confirmed we sent an update to all three major credit-reporting agencies showing the Ford F-150 Pickup paid in full. We also sent a letter to our customer confirming the update to the credit-reporting agencies. This letter is included for your reference.

As a goodwill gesture, DriveTime has credited $25.00 principal balance payment to her Chrysler Town and Country account.

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

November...

23, 2016   Jasmine Hill Revdex.com Ph. ([redacted] Fax (602) 263-0997   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 September 15, 2016, our customer entered into a Simple Interest Retail Installment Contract when she purchased a 2009 Jeep Grand Cherokee from DriveTime. The Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation. The vehicle came with a 30 day/1,500 miles DriveCare Limited Warranty, administered by Aeverex. Our customer also opted to purchase a 5-year/50,000-mile Vehicle Service Contract, also administered by Aeverex. Attached you will find the Simple Interest Retail Installment Contract, DriveCare Limited Warranty, and Vehicle Service Contract, for your reference.   Prior to sale, DriveTime vehicles are inspected at our DriveTime inspection centers. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, there is no need to replace it.   At time of sale, our customer signed a document titled ‘Customer Deliver Checklist.’ On the ‘Customer Delivery Checklist,’ under the sub section “Important Reminder,” it states:   “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 purchasing.”   On November 5, 2016, our customer contacted DriveTime regarding mechanical concerns with the vehicle. We encouraged her to take the vehicle into an in-network repair facility to have the vehicle diagnosed and a claim filed with Aeverex. In an effort to assist, we advised that we would request an itemized estimate for any non-covered repairs so we may review for possible assistance.

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.Nothing was resolved they have my trade in and my down pmtI am rejecting their response because I came to them with a trade in and told them  I was having issues with my car and I didn't want the same thing again. She stated that this car I get was good and running well. So they lied on the inspection form stating the mechanical part was good so that is falsifying documentation. It was to many time that I had to take the car to the shop and was only able to drive it a week in the 31 days that I had it. I wasn't compensated or anything all I got was lies and attitude. They told me that I could return the car in 24 hours. The sales rep stated that I would be fine I don't have to return it because it's going in the shop. I don't understand how I have to deal with being without a car and lost of my money because they lied to me and refuse to take the car back saying they had to do a claim first. I will never go back to them and word of mouth gets around fast.  Regards,[redacted]

Thank you for bringing this matter to our attention. We appreciate the opportunity to readdress our customer’s concerns.On May 20, 2015, an Original Equipment Manufacturer (OEM) filed a repair claim with Aeverex. The OEM noted a repair needed for the throttle body. DriveTime made a one-time exception to cover the cost of the throttle body repair.On May 23, 2015, our customer contacted DriveTime’s Customer Relations Department to inquire about returning the vehicle. We informed her all the repairs were approved and she was outside of the one day return period. We advised at this time she could return the lease vehicle however, there would be no refund of monies paid.Later that day, our customer returned the lease vehicle to the dealership.On May 29, 2015, DriveTime’s Customer Relations Department reached out to our customer to address her concerns. We reviewed the approved repairs and asked if she had any further mechanical issues after those repairs were completed. Our customer verified that the previously approved repairs resolved the mechanical concerns. Our customer advised she chose to return the vehicle due to customer service concerns.At this time, DriveTime is offering the following resolution:DriveTime agrees to:- Refund to our customer one payment in the amount of $221.00.We encourage our customer to contact DriveTime Customer Relations at ###-###-#### in order to take advantage of this offer. To accept this offer, our customer will be required to sign a Full Settlement and Release of Claims. This settlement offer is good until June 22, 2015.We apologize for any confusion or inconvenience this may have caused. Should you have any questions or concerns, please contact us by calling us at ###-###-####.Sincerely,[redacted]DriveTimeCustomer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On March 15, 2012, our customer entered into a Simple Interest Retail Installment Contract with DriveTime, when she purchased a 2007 Hyundai Elantra. Included you will find...

the Simple Interest Retail Installment Contract for your reference. On August 4, 2014, we contacted our customer and came to an amicable resolution. Due to the miscommunication, as a goodwill gesture, we applied a $50 credit to our customer’s principal balance. We encourage our customer to contact her insurance company for possible rental vehicle coverage under her insurance policy. 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

April 22, 2014 Lyndsey Mullens Revdex.com Ph. ###-###-#### Fax ###-###-#### Re: Complaint #[redacted] Dear Ms. Mullens, Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns....

On February 13, 2012, our customer entered into a retail installment contract when she purchased a 2002 CHRYSLER PT CRUISER. The vehicle came with a 3 year/36,000 mile limited warranty. A copy of the Simple Interest Retail Installment Contract and DriveCare Limited Warranty agreement have been included for your reference. On April 17, 2014, we contacted our customer and informed her we would need a diagnostic completed in order to determine what repairs are needed. We referred our customer to the nearest repair facility to have the diagnosis completed. On April 18, the repair facility contacted us recommending the water pump, upper radiator hose, timing belt, and tires be replaced. The water pump and timing belt were fully approved per the limited warranty, however the tires and upper radiator hose were denied as non-covered components. Later that day, we contacted our customer and reached an amicable resolution. As a goodwill gesture, Drivetime has agreed to process a two-payment deferment and approve the replacement of our customer’s tires. As a goodwill gesture, DriveTime has applied a $25.00 principle only credit to our customer’s account. DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, [redacted]. DriveTime Customer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On December 18, 2015, our customer entered into a Simple...

Interest Retail Installment Contract with DriveTime when he purchased a 2009 Ford Flex. All DriveTime vehicles come with a 30 day/1,500 mile limited warranty, administered by Aeverex, and the option to purchase a Vehicle Service Contract. Attached you will find the Simple Interest Retail Installment Contract and Limited Warranty for your 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.
Prior to entering into the loan for the 2009 Ford Flex, our customer had entered into two previous Simple Interest Retail Installment Contracts. Our customer opted to return both vehicles within the Vehicle Return Period. Our records do not indicate any mechanical issues reported for either of these vehicles.
All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centers. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, there is no need to replace it.
On December 23, 2015, a repair facility filed a claim with [redacted]. The claim reported that the vehicle needed a battery replacement. [redacted] covered the cost of the replacement.
On December 24, 2015, DriveTime’s Customer Relations Department contacted our customer to address his concerns. We advised our customer that if he would like to return the vehicle, we could arrange to have the DriveTime dealership tow the vehicle back to the lot to complete the process. Our customer informed us that was no longer necessary as his vehicle concerns were addressed in his previous visit to the repair facility… (Continued in full response submitted to the Revdex.com)

On February 16, 2016, our customer contacted Aeverex with concerns about the vehicle’s battery and high idling. Aeverex referred him to an in-network repair facility to have the vehicle diagnosed.
On February 19, 2016, DriveTime contacted our customer to address his concerns about having...

to pay a diagnostic or deductible charge. We advised that per the terms of the DriveCare Limited Warranty, he would not be responsible for any diagnostic fees or deductibles within the first 30 days and 1,500 miles of the loan. On February 23, 2016, an in-network repair facility filed a claim with Aeverex for the battery, electrical diagnosis, and front transmission mount. Aeverex approved these repairs and fees in full under the terms of the DriveCare Limited Warranty for a total of $320.18.
On April 13, 2016, our customer contacted Aeverex with concerns about a noise in the front end of the vehicle. He informed Aeverex that the in-network repair facility was unable to diagnose the issue until the sound worsened.
On April 19, 2016, we spoke with our customer in regard to his mechanical concerns. We encouraged him to have an in-network repair facility file a claim with Aeverex so we could review options for possible assistance. As a one-time courtesy, we made an exception to approve the diagnostic fee in full on an upcoming claim.
We apologize for any confusion or inconvenience this matter may have caused. As a goodwill gesture, DriveTime has applied a $25.00 credit towards our customer’s principal balance.

March 6, 2014

Revdex.com

Ph. ([redacted]) [redacted]

Fax ([redacted]) [redacted]

Re: Complaint # [redacted]

Dear Ms. [redacted],

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our...

customer’s concerns.

On May 06, 2011, our customer entered into a retail installment contract when she purchased a 2008 Pontiac G6. The vehicle came with a 3 year/36,000 mile limited warranty. I have included the retail installment contract and the limited warranty agreement for your reference.

On October 23, 2013, our customer contacted us and advised the ball joints and front wheel bearings needed to be repaired. We referred our customer to a repair facility.

On October 30, 2013, our customer contacted us and advised us she paid for repairs. We advised our customer to submit any receipts or invoice of the paid repairs for review. No claim was filed by our repair facility.

On November 06, 2013, our customer contacted us inquiring about the reimbursement. We advised her the reimbursement was declined as a non-covered component under the limited warranty.

We are unable to accommodate our customer’s request for payment deferments, as she has exceeded the maximum number of deferments in the life of the loan.

On March 01, 2014, we have contacted our customer to reach an amicable resolution. We advised our customer to submit all her receipts for review for assistance. We have attempted to contact our customer, but have been unsuccessful.

As a goodwill gesture, DriveTime has applied a $25.00 credit to our customer’s account.

DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at [redacted].

Sincerely,

DriveTime

Customer Relations

We did enter into a contract with DT that part I will agree with.  We have had so many issues with this vehicle that DriveTime did finally step in and get the car repairs fixed for us after 3 months of going back and forth with them as to who was going to be responsible for the repairs. During this time I spoke with Justin from client relations numerous times.  In July when they picked up our vehicle and we were told an estimate of the repairs that were going to be upwards of 3 to 4K we decided to have our automatic payment dropped from our account.During this time we opened a Revdex.com complaint.  We paid the amount of $361 to bring the account current.  I was told on the phone that day that our next payment was due on 10/17.  Immediately we start getting between 5 to 10 phone calls a day regarding this payment hence the cease & desist. Please pull the phone recordings.  I paid our next payment on the 19th & have been paying extra every time to ensure that we could get this payment cleared up.  Before the repair we had stellar credit with DT  We paid $180 every two weeks for2 years.  During the 3 mo period that we did not have a car we did not have a rental.  We stressed. If you look through our records you can see that we have had the car approx 2.5 years within that period of time our van has been in the shop for 5+ months.  We have paid and continue to pay for a car that we have only had in our possession 80%.At time of repossession on Oct 3 we were only 25 days past due.  The last payment that DT received from us was on the Feb 7.  If someone had just taken the time to look at our acct they would have seen all the notes & problems with the vehicle & our history. Van should never have been repossessed to begin with.I want the 325 credited  I think that is fair considering how many payments we have made on the vehicle while in a garage and because credit was inaccurately reported.  The cease & Desist should also be lifted. I have filled out & sent back the form.

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.

On July 20, 2013, our customer entered into a Simple Interest Retail Installment Contract when she purchased a 2005 Mazda 3. The vehicle came with a 5 year/50,000 mile Limited Warranty. The Simple Interest Retail Installment Contract and DriveCare Limited Warranty agreement are attached for your reference.

On June 20, 2014, our customer took her vehicle to a repair facility to be diagnosed. The repair facility recommended the replacement of the battery and purge flow valve. The repairs were denied as both items are non-covered components under the Limited Warranty.

At this time, we have contacted our customer and come to an amicable resolution. As a one-time goodwill gesture, DriveTime made the exception to cover the cost of the needed repairs for 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 January 18, 2006, our customers entered into a simple interest retail installment contract when they purchased a 2000 Chrysler Sebring. Attached you will find the Simple...

Interest Retail Installment Contract for your reference.According to our records, we are accurately reporting to the three major credit bureaus as a "Charge Off – Involuntary Repossession".On October 13, 2014, DriveTime contacted our customer’s to address their concerns. We informed them as a one-time courtesy, DriveTime would delete trade-line reporting to the three major credit agencies. Our customer agrees this course of action adequately addresses the issues, and we have come to an amicable resolution. We emailed the necessary documents, which detail the steps DriveTime has taken in regards to the credit reporting.In addition, DriveTime has mailed a $25 [redacted] gift card to our customers.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

May 14, 2015 [redacted]  [redacted] Dear Ms. [redacted], Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On September 14, 2012, our...

customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased [redacted] ** [redacted]. Attached 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 agencies. This cease was due to required system enhancements, as well as to comply with the Fair Credit Reporting Act. At this time, we have completed the necessary updates with Experian and Equifax, and they have uploaded our customers’ account information for public viewing. We anticipate the enhancements with Transunion will be completed no later than the end of May.       We understand the importance of building and maintaining a credit score. We also understand the importance of accurately reporting credit activity, and that is why DriveTime has made the effort to complete these system enhancements.On May 11, 2015, we contacted our customer and came to an amicable resolution. DriveTime has offered to backdate our customer’s trade line to reflect the life of his loan. Reporting may not be immediately visible, but completed updates should reflect on our customer’s credit report within 30-60 days.We apologize for any confusion or inconvenience this matter may have caused. As a goodwill gesture, DriveTime has applied a $25.00 credit to our customer’s principal balance.  DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at [redacted]DriveTimeCustomer Relations

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.After reviewing Drive Times' response. It is insufficient to resolve anything. I have attached the notices mailed and received by Drive Time that outlined all information requested including account number and previous address. Drive Time then sent another letter again asking for this information and requested us to provide our signatures which we feel is irrelevant to this case and is a red flag. We have provided that information on 2 occasions as well as when we called in after receiving the first letter to confirm the information. However Drive Time has continued to ignore our requests and continue to violate laws under the Federal Debt Collection Practices Act. This is the FINAL request for Drive Time to resolve this by deleting any and all references from the 3 major credit bureaus within 48 hours of receipt and forward us correspondence that this has been done. Drive Time has had more than enough time to provide Verification of Debt and has not done so. FDCPA is clear, once the creditor has failed to provide said information they are in violation. We will not be accepting any other resolution from Drive Time other than what has been stated above. We sincerely hope Drive Time does the right thing and resolves this now with our request and our rights under FDCPA.Regards,[redacted] & [redacted]

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On July 1, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2009 Dodge Grand Caravan. Attached you will find...

the Simple Interest Retail Installment for your reference. At the time of sale, our customer agreed to make 151 monthly payments of $216.59 and 1 final payment of $214.34, beginning July 26, 2014. On February 28, 2015, our customer’s account charged-off due to non-payment for $1,949.31 On March 27, 2015, DriveTime exercised their contractual right to secure the vehicle, due to the account charging off for non-payment. Please refer to the "Simple Interest Retail Installment Contract," section labeled "Default": "You will be in default if you do not make any payment in full when such payment is due...Additionally, we may take back (repossess) the vehicle" On March 30, 2015, a "Redemption and Reinstatement Form" letter was sent to the address listed on our customer’s account. The purpose of this letter is to notify our customer of their right to either redeem or reinstate the vehicle within 10 days from the date of the letter. Attached is the "Redemption and Reinstatement Form" for your reference. On April 17, 2015, our customer inquired as to why he was not contacted about the delinquency status of the account. We informed our customer of the collection efforts that were made to the numbers and address listed on the account. We informed our customer that the number he provided was placed on a "Do Not Call List", which prevented us from legally contacting that number. Our customer was also informed that the co-buyer listed on the account is allowed to make changes to the account and contact information. At this time, we are not able to contact our customer at the number provided. The number is still listed under the Do Not Call List. We encourage our customer to contact the Customer Relations Department at ###-###-#### to discuss his concerns. If our customer would like to reinstate his vehicle and loan with DriveTime, he will need to pay $1,800.00 by May 8, 2015. Our customer would be responsible to pick up the vehicle directly from the auction. If our customer does not wish to reinstate the vehicle by May 8, 2015, the vehicle will proceed to be sold at auction. Please refer to page two of the "Redemption and Reinstatement Form" section labeled "Notice of Sale": "…If the vehicle is sold, the sale proceeds will be applied first to the payment of the expenses of retaking, repairing, preparing for sale, and storing of the vehicle and other repossession and collection costs…If we get less money than you owe, you still owe us the difference…" As a goodwill gesture, DriveTime has sent our customer a $25.00 gift card to the address listed. 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

All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centers. Parts that fail inspection are...

replaced. However, if a part is functioning at the time of inspection, there is no need to replace it.
 
On February 28, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2010 Chevrolet Impala. Our customer also purchased a 5 year/50,000 mile Vehicle Service Contract, administrated by Aeverex. Attached you will find the Simple Interest Retail Installment and Vehicle Service Contract for your reference.
 
On January 16, 2016, an in-network repair facility updated a claim with Aeverex for the repair of the lower control arms, alignment, quick struts and stabilizer links. Aeverex advised these components are non-covered under the Vehicle Service Contract.
 
On January 20, 2016, DriveTime contacted our customer in regard to the assistance we would be able to offer. We advised our customer we would be willing to make a one-time exception to the Vehicle Service Contract and cover the cost of the labor on the claim and our customer would be responsible for the part cost. In addition, we advised our customer to provide paid receipts for out-of-pocket expenses and we would be able to offer up to 3 payment deferments on the account.
 
On January 29, 2016, DriveTime contacted our customer to reach an amicable resolution. We advised our customer because of the miles driven from time of sale and current delinquent status of the account, the offer presented on January 20, 2016 would remain the same.
 
As a good-will gesture, DriveTime applied a $25.00 credit to our customer’s principal balance. We apologize for any inconvenience or confusion this matter may have caused. Should you have any questions or concerns, please contact us by calling us at [redacted]
Sincerely,
DriveTime Customer Relations
Tell us why here...

Thank you for bringing this matter to our 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

September 11, 2015 Revdex.comPh. [redacted]Fax [redacted] 

 Re: Complaint # [redacted] To Who It May Concern: Thank you for bringing this matter to our attention. We...

appreciate the opportunity to address our customer’s concerns. On November 24, 2008, before purchasing a vehicle with DriveTime, our customer filed for Chapter 7 bankruptcy. This bankruptcy was discharged on March 18, 2009. On April 25, 2013, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2006 [redacted]. Attached 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 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 the three major credit bureaus, and they have uploaded our customers’ account information for public viewing. We understand the importance of building and maintaining a credit score. We also understand the importance of accurately reporting credit activity, and that is why DriveTime has made the effort to complete these system enhancements. After a recent extensive review, we determined that there were serious questions about our ability to report bankruptcy accounts accurately. As a result, we were temporarily unable to report accounts with previously filed bankruptcies, in order to ensure no inaccurate reporting occurred. This change was also required to ensure DriveTime was in compliance with the [redacted]. At this time, DriveTime has found a resolution to report accurately for accounts that have had a previously discharged bankruptcy. This update should reflect on our customer’s credit reporting within 30-60 days. We will be reinstating these trade lines with [redacted], [redacted], and [redacted] We have made several unsuccessful attempts to contact our customer to discuss his concerns. We encourage our customer to contact our Customer Relations Department at 800-965-8043, to discuss his concerns. We apologize for any confusion or inconvenience this matter may have caused. As a goodwill gesture, DriveTime has applied a $25.00 credit to our customer’s principle 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]DriveTimeCustomer Relations

To Whom It May Concern: Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. The actions described in our customer’s correspondence are clearly not in keeping with DriveTime's set standards of service and...

support. DriveTime strives to make each customer’s experience both rewarding and pleasant, while ensuring that every customer is treated with the utmost respect. Our loan-servicing department is designed to work with our customers, as well as cure account delinquency.On March 11, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2012 Kia Forte. At the time of sale, our customer agreed to make 101 bi-weekly payments of $209.89 and 1 final payment of $209.25, beginning April 4, 2015. Attached you will find the Simple Interest Retail Installment Contract for your reference. On May 17, 2015, our customer’s account fell past due and has not since been brought current. When our customers’ accounts fall past due, we make regular attempts to contact them and cure their account delinquency. These calls can be suspended by customers making arrangements with a loan advisor when they cannot make a payment as scheduled. Should our customer request it, DriveTime can set up specific call windows on his account so he only receives calls at times that are convenient for him. He is also able to set up these call windows on his MyDriveTime.com online customer portal. Should our customer wish to limit correspondence with DriveTime even further, we can also place a “cease-and-desist” on his account that will allow only written outbound communication with him via email and letters. However, DriveTime is not able to discuss confidential account information via email, so we would be limited in the correspondence we could have with our customer in that way. As our customer is scheduled to make 26 bi-weekly payments of $209.89 in a year, he is responsible for a total of $5,457.14 each year until his loan is satisfied. Divided into 12 monthly payments, this amount equals out to $454.76 a month. At times, customers may believe bi-weekly payments are the same as semi-monthly payments. There are only 24 semi-monthly payments in a year (two times per month for 12 months). Bi-weekly payments are made every two weeks, and as there are 52 weeks in a year, this results in 26 payment dates. This difference in the number of payments causes the payment amount difference between semi-monthly and bi-weekly payments.  We have made several unsuccessful attempts to contact our customer and address his concerns. On August 18, 2015, we sent a letter via certified mail to our customer’s address on file. The purpose of this letter is to inform him of our attempts to reach out to him. We encourage our customer to contact our Customer Relations department at ###-###-####. We apologize for any inconvenience or confusion this matter may have caused. As a goodwill gesture, DriveTime has credited $25.00 toward our customer’s principal balance.DriveTime thanks the Revdex.com for their continued support. If you have any questions, please contact us at ###-###-####. Sincerely,[redacted].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