DriveTime

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On December 3, 2013, our customer entered into a Simple Interest Retail Installment Contract when she purchased a 2007 Nissan Murano. Included you will find...

the Simple Interest Retail Installment Contract for your reference. On December 10, 2014, we reached out to our customer to address her concerns. We discussed the appraisal she received as well as the total price of her current vehicle.
Components that go into the total price of the vehicle:
? DriveTime’s sales price
? Any sales tax
? Any optional products purchased at time of sale
? Licensing and registration fees
? Interest amount based on the interest percentage rate computed for our customer
Breakdown of the original vehicle finance information:
? Amount Financed: $18,075.85
? APR/Interest Rate: 24.638%
? Finance Charge: $15,838.89
? 68 monthly payments of $491.53 with one final payment of 490.70
            o Interest paid thus far: $4,187.88
            o Principal paid thus far: $2,655.12
            o Current per diem of interest is $10.41
In addition, page one of the "What you need to know about financing a vehicle with DriveTime" document under "Financial" states:
"Your contract is a ‘simple interest’ contract. That means interest is charged each day on the amount you financed with us. When you make a payment, your payment pays interest and then it pays/reduce the amount financed. If you pay late, your contract continues to accrue interest each day. When you make your payment late, more of your payment has to go to pay the extra interest. This means less of your payment goes to pay/reduce the amount financed and it can take longer to pay off your contract with us."
Attached you will find the "What you need to know about financing a vehicle with DriveTime" document for you review.
At this time, we are unable to accommodate our customer’s request to change the price of her vehicle to $7,000.
As a goodwill gesture, DriveTime has credited our customers’ principal balance $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 ###-###-####.
Sincerely,
DriveTime
Customer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to readdress our customer’s concerns. On April 17, 2015, we contacted our customer and advised her that if she brought her account only one payment ($433.54) past due, we would make an exception to approve her non-covered thermostat, coolant, ignition coil, and tire pressure sensor repairs ($657.95). Due to the amount of time our customer had been in the loan (one year and four months) and the number of miles the vehicle had been operated since the time of purchase (16,640), and because DriveTime does not typically assist with physical damage, our customer remained responsible for the non-covered door panel and seat panel repairs ($598.33). We advised our customer that if she were to pay this amount out-of-pocket and provide us with paid receipts, we would defer her final past due payment to the end of her loan as an option for further assistance. The same day, we educated our customer on the process for cancelling the Vehicle Service Contract (VSC). As DriveTime is unable to process this cancellation, our customer was instructed to contact Aeverex and was informed that they would assist her with cancelling the VSC. This is the process for cancelling the GAP Coverage, as well. At the time that we sold the SkyLink GPS service to our customer, it was not a refundable product.  The pro-rated refund for the VSC optional product was applied to the principal balance of our customer’s DriveTime account on May 21, 2015. An additional refund for the VSC was applied to the principal balance of her account on June 19, 2015. On May 4, 2015, we contacted our customer regarding the above repair contract. Our customer made a payment of $532.08, bringing her account only one payment past due, and per the above agreement, DriveTime made the exception to approve the thermostat, coolant, ignition coil, and tire pressure sensor repairs through Aeverex. We advised our customer to send us the paid receipts for the additional non-covered repairs for which she was still responsible. Upon receiving these receipts, we advised we would defer one payment to the end of our customer’s loan, provided her account was only one payment past due at the time. When our customer’s account balance was not brought current, loan advisors made regular attempts to contact her and cure account delinquency. While our customer spoke with loan advisors on several occasions, no payment arrangements were ever made on her account. On June 26, 2015, at 82 days past due, DriveTime exercised their contractual right to secure the vehicle and assigned the vehicle to be recovered. Please refer to the section in the Simple Interest Retail Installment Contract labeled “Default”: “You will be in default if any one of the following occurs…You fail to make any payment due under this Contract, including any down payment, in full when such payment is due….If you are in default…we may take back (repossess) the Vehicle.”That same day, the vehicle was recovered. The remaining GAP Coverage will be refunded to our customer’s account and will reduce her principal balance.   At this time, we are unable to accommodate our customer’s request for DriveTime to reimburse her for her hardship. We apologize for any confusion or inconvenience this matter may have caused.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 March 17, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2010 Ford Mustang. Attached you will find...

the Simple Interest Retail Installment for your reference.All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centers. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, there is no need to replace it.DriveTime does not compete on price, nor do we hide it. DriveTime’s vehicle pricing is subject to several factors.  We encourage our customers to research all aspects of their purchase. Our customer had the opportunity to sign and review all documents. DriveTime’s vehicle pricing is subject to several factors. Included in the total amount financed are the following benefits:3 year/36,000 mile vehicle service contractGPS device providing anti-theft servicesGAP coverage in case of a total lossAt the time of sale, our customer signed and dated the attached Customer Delivery Checklist. Page one of the Customer Delivery Checklist under Important Reminder, states:“Our focus of the multi-point inspection is primarily the safety and reliability of your vehicle. While the interior, exterior, and paint condition of this vehicle meet DriveTime standards, any pre-owed vehicle may have minor cosmetic issues. We do not make cosmetic repairs. We also do not repair after sale damage such as body, tire, glass, or road hazard damage. Please insure you are comfortable with the condition of the vehicle prior to purchasing.”At the time of sale, our customer was provided an [redacted] Vehicle History Report. The attached [redacted] Vehicle History Report may indicate a prior accident record, a rental or government vehicle, registered in a storm area, and/or a theft record. If any of the items were applicable, these items would be noted in the Vehicle Information section on the [redacted] History report. Our customer signed and acknowledged the vehicle had been in no accidents prior to purchase.At the time of sale, our customer signed and reviewed the attached What You Need to Know about Financing a Vehicle with DriveTime. On page one under subtitle Vehicle Inspection, it states: “You are purchasing a used vehicle which may have had paint or body work we didn’t perform and are not aware of. You had an opportunity to inspect you vehicle and are satisfied with it.” On April 3, 2015, we received the attached estimate from our customer to fix cosmetic issues on the vehicle for a total of $1,873.18.On April 6, 2015, we spoke to our customer and informed him that DriveTime would not be covering the cosmetic work to repaint the hood of the vehicle. We offered our customer the option to exchange vehicles. Our customer declined our offer and advised he would be obtaining an attorney.At this time, we are still offering our customer the option to exchange vehicles. We encourage our customer to contact us, if he chooses to take advantage of this offer. This offer is good until April 30, 2015.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 ###-###-####. Sincerely,DriveTimeCustomer Relations

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.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’sexperience both rewarding and pleasant while ensuring that every customer is treated with the utmost respect.  On June 4, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2012 Ford Focus. Attached you will find the Simple Interest Retail Installment Contract for your reference.On June 6, 2015, our customer decided to take advantage of DriveTime’s Vehicle Return Policy (VRP).  DriveTime offers a Vehicle Return Program, which gives our customer the ability to return the vehicle to DriveTime and terminate the Simple Interest Retail Installment Contract. To participate in the vehicle return program, our customer must return the vehicle to the dealership within five calendar days.We have made several unsuccessful attempts to contact our customer to discuss her concerns.On June 16, 2015, 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 ###-###-####.As a goodwill gesture, DriveTime has applied a $25 credit to our customer’s principal balance.  DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely,[redacted] ** DriveTimeCustomer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On July 01, 2013, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2008 Chevrolet HHR. Attached you will find...

the Simple Interest Retail Installment Contract for your reference. Prior to the time of sale, our customer had a discharged Chapter 13 bankruptcy on her credit report. In October 2014, DriveTime temporarily ceased and purged all 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.At DriveTime, we strive to ensure all of our credit reporting is up-to-date and accurate. After a recent extensive review, we determined that there were serious questions about the ability to report bankruptcy accounts accurately. As a result, we were unable to report accounts with previously filed bankruptcies to ensure no inaccurate reporting occurs. The change was also required to ensure DriveTime complies with Fair Credit Reporting Act guidelines. At this time, DriveTime has found a resolution to accurately report accounts that have had a previous discharged bankruptcy. We have recently updated our customer’s credit reporting with all three major credit bureaus. Our customer should be able to see the updates on her credit reporting within 30-60 days. Attached is the credit rating letter that our customer can provide to potential creditors. We strongly encourage our customer to keep a copy for her records. As a good-will gesture, DriveTime has applied a $25 credit towards our customer’s account. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, [redacted]. DriveTime Customer Relations Department

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 September 1, 2009, before purchasing a vehicle with DriveTime, our customer filed for Chapter 7 bankruptcy....

This bankruptcy was discharged on July 4, 2011. On May 1, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2008 Chevrolet Equinox. Attachedyou 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 Experian and Equifax, and they have uploaded our customers’ account information for public viewing. TransUnion has recently completed these updates, as well. We understand the importance of building and maintaining a credit score. We also understand the importance of accurately reporting credit activity, and that iswhy DriveTime has made the effort to complete these system enhancements.   After a recent extensive review, we determined that there were serious questions about the ability to report bankruptcy accounts accurately. As a result, wewere 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 Fair Credit Reporting Act. At this time, DriveTime has found a resolution to report accurately for accounts that have had a previously dismissed bankruptcy. This update should reflect on ourcustomer’s credit reporting within 30-60 days. We will be reinstating these trade lines with Experian, Equifax and TransUnion. On August 24, 2015, we contacted our customer and came to an amicable resolution. We discussed the above information and advised our customer to contact us at ###-###-#### with any further questions or concerns.As a good-will gesture, DriveTime has applied a $25 credit towards our customer’s principal balance. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely,[redacted] *. DriveTimeCustomer Relations Department

September 29, 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 readdress our customer’s concerns.
 
On September 5, 2015, DriveTime contacted our customer and attempted to address her concerns. We offered our customer a Full Settlement and Release of Claims in which DriveTime agreed to:
 

Waive our customer’s deficiency balance of $20,527.52
Delete our customer’s trade line from all three (3) major credit bureau reporting agencies
Refund our customer 50% of her original down payment in the amount of $900.00
 
We advised our customer the settlement offer would remain good until September 30, 2015.
 
On September 12, 2015, our customer contracted DriveTime and verbally accepted our settlement offer. DriveTime advised her she would be required to return the vehicle to the DriveTime dealership, where she would then sign the settlement documents and receive her refund check.
 
On September 16, 2015, our customer returned the vehicle and signed the settlement documents, entering into a legal settlement agreement with DriveTime. On page one of the Full Settlement and Release of Claims, it is stated:
 
            “In exchange, Customer agrees to:…
 
Make no attempt to lease, purchase or finance a Vehicle with DriveTime in the future. No future dealings will be permitted”
 
Attached you will find the Full Settlement and Release of Claims for your reference.
 
Due to the legal settlement both parties have entered into, we are unable to accommodate our customer’s request to purchase another vehicle with DriveTime. We apologize for any inconvenience or confusion this matter may have caused.
 
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

"Cambria","serif"; font-size: 12pt;">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 May 9, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2009 Cadillac STS. Our customer also opted to purchase a 5 year/50,000 mile Vehicle Service Contract, administered by Aeverex. Attached you will find the Simple Interest Retail Installment Contract and Vehicle Service Contract for your reference.
On December 19, 2015, our customer contacted Aeverex and stated concerns with the vehicle slipping and jerking. Aeverex advised our customer to take the vehicle into a repair facility for diagnostic.
On December 21, 2015, an Original Equipment Manufacturer filed a claim with Aeverex for the repair of a coil. Aeverex advised them that the repair was a non-covered component under the terms of the Vehicle Service Contract.
DriveTime has made several unsuccessful attempts to contact our customer and address her concerns. On December 28, 2015, DriveTime sent our customer a letter to her address on file. The purpose of the letter was to inform her of our attempts to contact her. We encourage our customer to contact our Customer Relations department for further assistance at 800-865-8043.
At this time, no claims have been filed with Aeverex for transmission repairs. DriveTime suggests that our customer take the vehicle into a repair facility for diagnostic so that we may review the situation for options for assistance.
Without any new information, DriveTime is unable to accommodate our customer’s request to be placed into a different vehicle.
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.
Continued…

(Full version provided to the Revdex.com)

January 28, 2016[redacted]Revdex.com Ph. [redacted]Fax (602) 263-0997Re: Complaint # [redacted] Dear Ms. [redacted]Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.All...

DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centers. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, there is no need to replace it.On November 27, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2012 Ford Focus. Our customer also purchased a 5 year/50,000 mile Vehicle Service Contract, administrated by [redacted] Attached you will find the Simple Interest Retail Installment and Vehicle Service Contract for your reference.On January 9, 2016, our customer contacted [redacted]o express concerns with the steering of the vehicle. [redacted] suggested that our customer take the vehicle to an in-network repair facility to be diagnosed. At that time, our customer inquired about rental coverage. [redacted] advised per the Vehicle Service Contract under the section labeled “Provider’s Obligations” it states:“Reimburse You for a rental car at the rate of up to $25.95 for every 8 hours (or portion thereof) of labor time required to complete the repair.”On January 20, 2016, DriveTime contacted our customer to reach an amicable resolution. We advised that an in-network repair facility has not updated a claim with [redacted] at this time. We advised once a claim has been updated, DriveTime would be able to review for further assistance. In regard to the rental reimbursement, we advised our customer of the above terms of the Vehicle Service Contract. At this time, no claim has been updated with [redacted] in regard to our customer’s concerns. We encourage our customer to have the vehicle diagnosed at an in-network repair facility and to update a claim with [redacted] for further review.As a good-will gesture, DriveTime applied a $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,Justin M.DriveTime Customer Relations Department

March 8, 2016

justify;"> 
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 January 22, 2016, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2013 Chrysler 200 4C. Our customer also opted to purchase a 5 year/50,000 mile Vehicle Service Contract, administered by Aeverex. Attached you will find the Simple Interest Retail Installment Contract and Vehicle Service Contract for your reference.
All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centers. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, there is no need to replace it.
Page one of the “Customer Delivery Checklist” under Important Reminder, states:
“Our focus of the multi-point 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.”
Additionally, on page one of the “Customer Delivery Checklist” under Maintenance Items, it states:
“…These maintenance items are subject to replacement only upon failure of the component… After sale, these routine maintenance items are the responsibility of the vehicle owner…”
At the time of sale, our customer signed the “Customer Delivery Checklist.” Attached you will find the Customer Delivery Checklist for your review.
On February 25, 2016, our customer contacted DriveTime and stated concerns with the tires on the vehicle. DriveTime advised them that we would obtain further information for the needed tire replacement.  
Continued… (Full version provided to the Revdex.com)

June 29, 2016
 
Revdex.com
Ph. ([redacted]
Fax [redacted] 
 
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 June 27, 2016, we spoke with our customer regarding her concerns.
At this time, DriveTime is continuing to work with our customer to find an amicable resolution to her concerns.
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,
 
Jeremy N.
DriveTime Customer Relations

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

On May 24, 2011, our customer entered into a simple interest retail installment contract when he purchased a 2004 Nissan Titan. Included you will find the simple...

interest retail installment contract for your reference.

We have been in contact with our customer and have reached an amicable resolution. We offered our customer an additional payment deferment as a one-time exception.

As a goodwill gesture, DriveTime has applied a $25 credit to our customer’s principal balance.

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

Sincerely,

DriveTime

Customer Relations

July 31, 2014 [redacted] Revdex.com [redacted]

[redacted] Re: Complaint #[redacted] Dear Ms.[redacted], Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our third party’s concerns. A potential customer may go online to www.DriveTime.com to begin an approval process. They are required to provide the following information: ? Name ? Phone number ? Zip code ? Address ? Email address ? Monthly income ? Social security number ? Birthdate Once the online process is complete, a pre-approval page is sent via e-mail, text, mail, and/or phone. The approval process is not complete until the potential customer visits a DriveTime dealership and fills out an application authorizing DriveTime to pull their credit. A potential customer must also provide proof of income, proof of residence, driver’s license, etc…After carefully researching our third party’s concerns, we found that a potential customer entered their phone incorrectly. We have removed our third party’s phone number form our system. Our third party should not receive future phone calls or text messages. 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

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

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.

DriveTime has requested and was sent it's second ongoing bank statement from my bank a week ago and I have still not been contacted or reimbursed. If this case is closed I do not believe that this issue will be resolved with DriveTime. Furthermore, a $25 credit is not sufficient reimbursement for the late fees that I incurred during the time that my account was charged twice.

Regards,

We received this second rebuttal for Ms. [redacted]. She is stating in this rebuttal that we have not posted any of the credits as promised. I have attached the payment history showing that both credits ($233.47 and $133.47) we posted to her account. We then sent her a $25 gift card (for the $25 credit she was referring too) for which I have attached that letter we sent with the gift card. Since then two more payments have come due which is why it is in a repossession status. Please review and let us know how you would like us to proceed.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On August 19, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2007 Dodge Caliber. Attached you will find...

the Simple Interest Retail Installment Contract for your reference. DriveTime has temporarily ceased credit reporting to all three major credit bureau agencies. We apologize for any inconvenience to our customer. The cease is due to required system enhancements. While going through the credit reporting enhancements there is a possibility that credit-reporting errors may occur. Therefore, all credit reporting was ceased and purged to comply with the Fair Credit Reporting Act. 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.  We have begun to roll our updated credit reporting systems at this time. Reporting may not be immediately visible but completed updates should reflect on our customer’s credit report within 30-60 days. As a goodwill gesture, DriveTime has applied $25 to our customer’s principal balance. DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, DriveTime Customer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to readdress our customer’s concerns.  On October 10, 2013, our customer contacted Aeverex and stated that he had concerns with his driver’s side window and the vehicle’s rear window defroster. Aeverex referred our customer to AAMCO of West Palm Beach and informed our customer to have the repair facility contact them to initiate a claim.To date, no new claims have been filed through Aeverex. We encourage our customer to take the vehicle to an in-network repair facility to be diagnosed. The repair facility can contact Aeverex at ###-###-#### to initiate a claim and review what repairs would be covered under the Vehicle Service Contract. Any non-covered repairs may qualify for possible assistance.All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centers. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, it is not replaced.At this time, we are unable to accommodate our customer’s request to take his vehicle back. We have received our customer’s invoice for the repairs completed on the rotors, brake pads, A/C evaporation flush, and the labor to clean the carpets due to flooding. We have reviewed the receipt our customer submitted and are willing to credit our customer’s account for half of the total cost he paid out of pocket for repairs. The total credit amount would be $356.77.We encourage our customer to contact our Customer Relations Department at ###-###-#### to discuss his concerns.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] ** 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.On December 13, 2014, my Mother and I visited the Drive Time showroom in Conway, SC. Following is a detail description of the problems I encountered.  Last year I went through bankruptcy. It was a difficult decision at my age but it had to be done. I lost my car in the bankruptcy because the payments were too high for me to afford. I had been paying on my car since 2008, when I bought it, but the finance company said I still owed over $11,000. I had already paid over $25,000 for it, and they still insisted that I still owed them over $11,000.  The price of the car when I bought it was $13,000. Since declaring bankruptcy, I had received about 10 offers to come to other dealers and they would assist me with credit terms and buying a new/used car. The Drive Time showroom was close to our homes, and so we stopped in there.  When I sat down at the desk of the Salesman, [redacted], I told him that I wanted to explain some things to him that may assist in knowing what I was looking for in a car. I explained the following to him as I sat down.  I told him I wanted to make sure that he had a very clear understanding of my situation.  1. I had just gone through bankruptcy which discharged in July, 2014.
2. I had to give up my car in the bankruptcy, because the finance company put me in a payment that was way over what I could pay. The payment was $328. He asked me what kind of payment I was thinking of, and I told him, around $200.00. I explained that I had gotten offers from different dealers that said they would assist me in getting into a car and give me some relief on the payment.
3. I told him that I was disabled and I was only paid once per month in the amount of $1,674. That did not allow me much to put into a car because I had to pay rent, utilities, RX’s, etc.
4. I told him I hadn’t had a car for over a year. My home was close to my Mother and sister, and they took me when I needed to go somewhere. However, I was moving and would no longer be close so they could give me a ride.
5. I was also planning to leave in a couple days to go and spend Christmas with my daughter and her family in New York, and needed a reliable car. Instead of renting one, I decided to put a down payment on a car that I could keep.After going through these points, [redacted] said he would go and get a few cars for me. He pulled up several cars and I looked at them. He told me that I couldn’t afford one of them. One was smaller than what I wanted. I asked if he didn’t have anything else, as there was a lot full of cars. He said he thought he had another one. He came back with a 2007 Ford Escape. I looked it over, and really wasn’t impressed with it. However, it was the size I wanted, so I took it for a drive and decided to take it. It wasn’t until I sat down with one of the manager’s ([redacted]) that I found out the price. I told him that it was too high, but he talked me into taking it. They said that after 4 years, I could get the payment lowered. Also, when signing the agreement, [redacted] gave me a stack of papers. He told me where to sign and initial, and gave a brief explanation, ie, “This just means…”.  For the mound of papers that were signed, he whipped right through them. There was no time to read the entire package.  I thought everything was ok. It wasn’t clean and shiny, but I really needed a car. On the way North, I started noticing things. I stopped for gas and the gas tank would not accept the gas. It kept stopping like it was full.  Every time I stopped for gas, it took me 10 times as long to fill it as it would a regular car.  Other people seeing me having difficulty tried too, but they had the same problem. I began to notice other little things.  I was told several times from other motorists that my rear drivers side tire was low. As I found out, the vehicle was sold to me with a slow leak in the tire. Also, there was only a vanity key, no key that would open all the doors and no remote. Being disabled, this is a big problem. The weather was below zero, with high winds, so that became a problem. Another problem was that the check engine light always stayed on. I kept looking for the cruise control, because I was told this car had it. I told them it was a deal breaker since I was travelling. There was also no light in the back/trunk area. Then the weather stripping came off on the back seat passenger’s side door. I was having a difficult time believing that they sold this car to me in the shape it was in.  When I returned from New York, I had bronchitis and my Mother had pneumonia. I was also moving to a smaller condo the end of the month, so there was really no time to take the car to be fixed. Because I bought it from Drive Time, I couldn’t take it just anywhere to be fixed. I had to call a toll-free number and tell them what was wrong. I did so, in February, after I moved. They told me that they would only repair the gas tank. All of the other things were past the 30day/15,000/mile warranty. (I told them where I was going, but they never said that it would void the warranty). So my warranty expired even before I returned from my trip. We got back later than we wanted to, but my Mother was hospitalized in NY, for the pneumonia. When I was told that they wouldn’t fix the other things, it started to make me feel like I had made a big mistake. After all, I was paying $350/month, for a car that was in disrepair.  I started to have trouble making the payments, which I told them several times, were too high. Even the insurance I got through Drive Time was over $150/month. My driving record is spotless, but I was told since I hadn’t had insurance for a year is why it was more expensive. I didn’t have a car for almost 2 years, so why would I have car insurance? So just for my car payment and insurance, I was paying over $500/month.  I was unable to sleep for worrying what I could do. Every month I fell deeper into debt. I had been trying for a year, since the bankruptcy to get my credit back in good standing, but I was going backward. So, I decided to take the car back to Drive Time. I walked into the dealership and told [redacted], one of the managers, my problem. He went and got a form for me to sign to turn the car back in to Drive Time. [redacted] told me that by signing that form, the payments would stop. I also ask him if it would affect my credit. He told me that since I turned it back within 6 months, that they would do a “rewind” or something. I am not exactly sure of the terminology he used but that is basically how he described it. I asked him if I could get back my down payment. I had $2,500 left to my name and put it all down on the car. He said no, they did not do that. He called the main office and asked them, and put it on speaker so I could hear, and they said the same thing. So, I basically paid over $4,000 for the four months I had the car. I hated to turn it in because I need a car. But with me questioning him, I felt assured there would be no repercussions. My Mother was with me every time I visited Drive Time and she heard all my conversations with them. So you can imagine my surprise, when a week later I received a call from their corporate office asking me if I wanted the car back. I told them not unless the price was adjusted. (I had already looked up the value of that specific car on Kelley Blue Book. KBB said that if it was being sold by a dealer as a used car, the 2007Ford Escape was worth approximately $3,000-$4,500, IF it was in good condition.) They told me that if I didn’t take it back that it would be sent to auction, and sold. Whatever was left on the loan, I would have to pay. I told the woman who called that I was told there would be no further money owed to Drive Time. I also wondered why they were taking it to auction, instead of fixing it and reselling it to someone like they did to me. My loan was for $10,000 plus interest for a car that was only worth $3-4.000. I feel as though they were trying to pass off an inferior vehicle to an unsuspecting customer. I believe that all of the problems that I mentioned should have been fixed before the car was sold. I have bought numerous cars in my life, but have never been sold one that had a list of problems.I have returned the vehicle. They have their property back. I have paid much more than I should have for an inferior vehicle. I was told when returning the vehicle that I just had to sign a form to turn the car back to Drive Time. Even though I asked several times, I was told that it was all I needed to do. There was never any discussion of any detrimental effects to me by turning the vehicle back to Drive Time even though I ask several times if there would be any repercussions. I feel they were negligent for selling an inadequate vehicle. The whole experience has left me feeling that they took advantage of me. In summary, I would like to be released from any further dealings with Drive Time and no adverse entries added to my credit report. I hope this gives you an idea of my situation. If you have any questions, or need further information, please contact me at the places shown below.PS In the letter that they sent to Revdex.com, they said that they had sent a “Notice of Intent” letter, but as of now, I have never received it.

Regards,