DriveTime

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I would like to see Drive Time, accept further financial responsibility in this matter Regards, [redacted] ***

Thank you for bringing this matter to our attentionWe appreciate the opportunity to readdress our customer’s concernsWithout any new information, DriveTime is still unable to accommodate our customer’s request to be transferred into a different vehicleWe apologize for any confusion or inconvenience this matter may have caused.On January 19, 2015, our customer contacted Aeverex with noise concernsAeverex authorized our customer to take the vehicle to an out-of-network repair facility for diagnosis, as the closest in-network facility was over three hours away.On February 7, 2015, an out-of-network repair facility filed a claim with Aeverex for struts, a tie rod, alignment, a strut mount, front and rear links, and shocksA third-party inspector was called in to verify the failures on the vehicleAeverex approved the strut, inner tie rod, alignment, and strut mount repairs in full; however, as the inspector was unable to find any failures with the front and rear links or shocks, these latter repairs were deniedNo further claims have been filed with Aeverex at this timeAll DriveTime vehicles are thoroughly inspected at our DriveTime inspection centers prior to saleParts that fail inspection are replacedHowever, if a part is functioning at the time of inspection, there is no need to replace itAt the time of sale, our customer signed a Vehicle Inspection ChecklistOn this document under “Important Reminder,” it is stated:“Our focus of the multi-point inspection is primarily the safety and reliability of your vehicle Please ensure you are comfortable with the condition of the vehicle prior to leasing.”Additionally, on page one of the Vehicle Inspection Checklist under “Maintenance Items,” it is stated:“ These maintenance items are subject to replacement only upon failure of the component...”On May 11, 2015, we contacted our customer and attempted to address her concernsWe encouraged our customer to take the vehicle to a repair facility to have the current issues diagnosedWe advised her that once a claim had been filed with Aeverex, we would review options to assist with any non-covered repairsOn May 15, 16, and 18, 2015, we attempted to contact our customer, as no claims had yet been filed with Aeverex, but we were unable to reach herOn May 18, 2015, we sent a letter via certified mail to our customer’s address on fileThe purpose of this letter was to inform her of our attempts to reach out to herWe encourage our customer to contact our Customer Relations department at ###-###-#### so we can make further efforts to bring resolution to her concernsDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, [redacted] **DriveTime Customer Relations

On October 24, 2017, I never contacted [redacted] to inquire about how the vehicle repossession would be reflected on my creditI don't believe I should pay for someone's account in full if it's not mineAnd it should not stay on my credit report for years as a charge off The "contact" is not signed with my name on it, like I have been sayingAnd this charge off needs to be removed immediately Per [redacted] request, I have attached a clear and legible copy of my Driver's license and my social security cardYes, I want to discuss this matter further with Revdex.com involved

December 22, Re: Complaint # [redacted] Ms [redacted] Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn March 21, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a BMW SeriesAttached you will find the Simple Interest Retail Installment Contract for your referenceOn December 1, 2015, at days past due, our customer’s account was changed to a charge-off statusOn December 8, 2015, DriveTime exercised their contractual right to secure the vehicle and assigned the vehicle to be recovered at days past duePlease refer to the “Simple Interest Retail Installment Contract,” label 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 pay is due ” The next day, a repossession agent attempted to recover the vehicle, but was unable to recover the vehicleOn December 18, 2015, DriveTime contacted our customer to come to an amicable resolutionWe advised our customer that we will initiate an investigation into the actions performed by our third party vendorWe apologize the circumstances regarding this behavior from the third party recovery agencyWhile the recovery agency is a third party vendor, this behavior is not consistent with the level of customer service we strive to achieve for our customersWe are continuing the investigation at this timeSince the actions described were allegedly performed by a third-party vendor, we are unable to directly comment about the actions describedAs a good will 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 [redacted] Sincerely, Customer Relations

October 14, Revdex.comPh(602) 212-2232Fax (602) 263- Re: Complaint # [redacted] To Whom It May Concern, Thank you for bringing thismatter to our attentionWe appreciate the opportunity to address ourcustomer’s concernsOn September11, 2014, our customer entered into a Closed End Motor Vehicle Lease Contractwith DriveTime when she leased a Toyota RavIncluded you will find theClosed End Motor Vehicle Lease Contract for your reference OnOctober 3, 2015, our customer contacted DriveTime in regard to the current pastdue balance on her accountWe advised our customer that she was in default ofher Closed End motor Vehicle Lease as the account currently reflected as $415.15past due at daysPlease refer to page of the Closed End Motor VehicleLease Contract, under the section titled “Default, Repossession and OtherRemedies”: “Thefollowing are events of default (a) You fail to pay any periodic payment whendue .Ifyou are in default, after waiting any time the law requires, we may (e) Take(repossess) the Vehicle wherever we find it and enter any property where theVehicle may be to do so .”Thatsame day, our customer inquired about making a partial payment towards heraccount to avoid recoveryWe informed our customer that we would need theaccount to reflect as current and partial payment would not prevent possiblerecoveryOnOctober 4, 2015, our customer made a payment of $towards her account,leaving a delinquency balance of $on her accountThe next day, ourcustomer made a payment to cure the delinquency balance on her account.DriveTime advised our customer that the account had been brought current andwas no longer subject to recovery.OnOctober 8, 2015, DriveTime contacted our customer in regard to her complaintShehad stated that conflicting information was provided to her with one of herconversations with our officesWe advised that this phone call would bereviewed by management since our internal notes conflict with this statement.At this time, we are still reviewing for accuracy in the claimWeapologize for any confusion or inconvenience this matter may have causedAsgoodwill gesture, we have credited $toward our customer’s accountDriveTime thanks the Revdex.comfor their ongoing supportShould you have any questions or concerns, pleasecontact us by calling us at [redacted] Sincerely, Justin MDriveTime Customer Relations

January 27, Revdex.com Re: Complaint # [redacted] Ms [redacted] On January 7, 2015, our customer entered into a Closed End Motor Vehicle Lease with DriveTime when he leased a GMC SierraAt time of lease, our customer agreed to make semimonthly payments of $beginning on January 23, The Closed End Motor Vehicle Lease is attached for your review On December 17, 2015, our customer made a payment of $that was posted to his account On January 12, 2016, the payment of $made on December 17, 2015, was voided and reversed on our customer’s accountAs a result, our customer’s account became past due because this payment was not able to be applied On January 21, 2016, we advised our customer that the payment from December 17, had been voided and reversed on his account causing his account to become delinquent Later that day, our customer advised he was going to make partial payments until the account was brought to a current statusWe advised our customer that he would need to make payments as scheduled or his account would be in default of the Closed End Motor Vehicle LeaseOn page of the Closed End Motor Vehicle Lease under the section labeled “Default, Repossession and Other Remedies” it states: “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 for it If you are in default, after waiting any time the law requires, we may do any of the following...Take (repossess) the Vehicle” On January 22, 2016, our customer contacted DriveTime to discuss payment options on the accountWe advised our customer that he would need to make payments of $over the next three payments to bring the account to a current status As a good will gesture, DriveTime has applied a $credit to our customer’s accountSincerely, DriveTime Customer Relations Tell us why here

On February 4, 2016, we received and reviewed our customer’s receipts for his out-of-pocket repair expenses.On February 8, 2016, we spoke to our customer and advised that we were prepared to offer assistance based on the receipts he provided; however, we requested that a claim be filed with Aeverex for his current mechanical issues first, so we could determine what additional assistance would be necessaryOur customer stated he understood and advised he would take the vehicle to an in-network repair facility for diagnosis.On February 11, 2016, our customer contacted DriveTime and asked us to waive the fee to have the vehicle diagnosedBased on the time our customer has been in the loan and because no previous claims have ever been filed, we advised him that he would be responsible for this $feeHowever, we also informed our customer that once a claim had been filed with Aeverex, we would review options to assist with any repairs that were not covered under the terms of the Vehicle Service Contract.To date, no claims have been filed with Aeverex by a repair facilityOnce our customer has taken the vehicle to an in-network repair facility and a claim has been filed with Aeverex, we will review options to assist himIf our customer no longer desires to have the current issues with the vehicle addressed, we encourage him to contact us at ###-###-#### so we may discuss what options for assistance are available based solely on the receipts he provided

August 31, Better BusinessBureauPh [redacted] Fax [redacted] Re: Complaint # [redacted] To Whom It May Concern: Thank you for bringing thismatter to our attentionWe appreciate the opportunity to address ourcustomer’s concernsOn March 6,2015, our customer entered into a Closed End Motor Vehicle Lease Contract withDriveTime when he leased a [redacted] GThe Closed End Motor Vehicle Lease Contracthas been attached for your reviewAt time of sale,our customer traded in a [redacted] L Series to DriveTime; the funds from thistrawere applied toward the amount due at signing when entering the leaseOn April 30,2015, DriveTime submitted a Release of Liability to the [redacted] Departmentof Motor Vehicles (DMV)This document serves as proof that our customer is nolonger in possession of his former vehicle, nor is he liable for that vehicleany longerWe have attached a copy of the Release of Liability for yourreviewOn August 26, 2015,our customer contacted DriveTime regarding fines he had received on the vehiclehe traded in at the time of leaseDriveTime resubmitted the Release of Liabilityto the [redacted] DMV to ensure they had the correct information on fileOn August 28, 2015,DriveTime contacted our customer to advise him that the Release of Liabilityhad been resubmittedWe provided our customer with a copy of this document to useas evidence to dispute the fines he has receivedAt this time,our customer should be able to provide the [redacted] DMV with the Release ofLiability and have the accrued tickets removed from his recordWe apologizefor any confusion or inconvenience this matter may have causedAs a goodwillgesture, DriveTime has applied a $credit toward our customer’s paymentsDriveTime thanksthe Revdex.com for their ongoing supportShould you have anyquestions or concerns, please contact us by calling us at ###-###-####Sincerely, [redacted] **CustomerRelations DriveTime

September 6, Revdex.com Ph(602) 264-Fax (602) 263- Re: Complaint # [redacted] To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns On August 27, 2016, our customer first visited our dealership, after setting an appointment with our internal sales teamOur customer was unable to complete a deal at that time, and our team stated that they would continue looking for vehicles that might meet our customer’s requirements On August and 31, 2016, our sales advisor emailed information on several cars to our customerShe called our sales advisor and advised that none of those vehicles would meet her needsOur customer advised our sales advisor that she was seeking a vehicle with a bi-weekly payment of about $150.00, and a down payment of $plus her travalue ($250.00) On September 1, 2016, our customer visited our dealership to review optionsOur personnel were unable to make a deal with our customer to her satisfaction Later that day, our customer purchased a Nissan Versa at a different DriveTime dealership With regards to our customer’s description of her experiences at our dealership, DriveTime strives to make each customer’s experience both rewarding and pleasant while ensuring that every customer is treated with the utmost respectRegarding the vehicles our personnel selected for her review, DriveTime sales personnel are trained to create deals that fit our customer’s parameters, that are affordable based on the information provided to us by them, and to set our customers up for success FULL RESPONSE ATTACHED

On September 23, 2016, our customer entered into a Simple Interest Retail Installment Contract when she purchased a Chevrolet Equinox from DriveTimeThe Contract was subsequently assigned to Bridgecrest Acceptance Corporation (Bridgecrest)The vehicle came with a 30-day / 1,500-mile DriveCare Limited Warranty and our customer elected to purchase an additional 3-year / 36,000-mile Vehicle Service Contract, both of which are administered by AeverexThe Contract, DriveCare Limited Warranty, and the Vehicle Service Contract are attached for your reference.On October 13, 2016, our customer contacted Aeverex to express concerns with the steering clicking and transmission issuesAeverex encouraged her to have a diagnosis completed at an in-network repair facility and provided the contact information for the nearest repair facilityNo claims were filed.On May 22, 2017, our customer contacted Aeverex to express concerns with the A/C malfunctioning, loud grinding noise, vehicle jerking, and blinker malfunctioningAeverex encouraged her to have a diagnosis completed at an in-network repair facility and provided the contact information for a repair facility.On May 24, 2017, an original equipment manufacturer (OEM) initiated a claim with Aeverex for the front and rear engine mounts, resurfacing of the front brake rotors, and the engine diagnostic feeAeverex advised them these components are non-covered under the Vehicle Service Contract and forwarded the estimate to DriveTime for further review.On May 25, 2017, DriveTime spoke with our customer and advised we would approve the front and rear engine mounts, resurfacing of the front brake rotors, and the engine diagnostic feeWe informed our customer she would be responsible for a $deductible, per the terms of her Vehicle Service ContractOur customer accepted our offer of resolution and the approval was submitted to Aeverex for processing...(continued on attached)

April 7, 2016Revdex.com Ph(602) 212-2232Fax (602) 263-0997Re: Complaint #: [redacted] To Whom It May Concern:Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns.On December 21, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Chevrolet EquinoxOur customer purchased a year/50,000-mile Vehicle Service Contract, administered by AeverexAttached you will find a copy of the Simple Interest Retail Installment Contract and the Vehicle Service Contract for your review.On January 12, 2016, our customer contacted Aeverex to express concerns with a stabilizer track, hole in the muffler, and a check engine lightAt that time, Aeverex referred our customer to an in-network repair facilityAeverex advised he would be responsible for any diagnostic fees if the repairs are not covered under the Vehicle Service Contract.On January 19, 2016, our customer reached out to DriveTime to inform us his vehicle was involved in an accidentWe advised him that he would need to file an insurance claim with his third-party insurance.On February 3, 2016, our customer reached out to Aeverex to express concerns with the vehicle shutting off and the check engine lightAeverex encouraged him to take the vehicle to an in-network repair facility to have a diagnosis completed.On February 5, 2016, we spoke with our customer concerning the mechanical issues with the vehicleWe informed him to have a diagnosis completed on the vehicle at an in-network repair facilityAfter we receive the diagnosis we can review options for possible assistanceHe inquired about rental assistance; we offered rental reimbursement of $per day up to a max of days.That same day, an in-network repair facility initiated a claim with Aeverex for an engine assembly, coolant, oil change, and engine diagnosticAeverex approved these repairs under the Vehicle Service ContractOn February 8, 2016, we reached out to our customer to address their transportation concernsWe offered the rental reimbursementWe also offered a per diem credit of $per day the vehicle is in the repair facility; minimum of days with a maximum of days.On February 12, 2016, an in-network repair facility contacted Aeverex to inform them the engine ordered was bad and they were requesting a replacement one.On March 1, 2016, Aeverex approved days of rental reimbursement for our customer, totaling $155.94.On March 3, 2016, our customer contacted us concerning the prior engine repairs and making the payments on his accountWe informed we will review the situation and reach back out with options of possible assistanceOn March 5, 2016, we offered our customer to take back the vehicle and put him into another oneWe would transfer his down payment along with two regular paymentsWe would arrange the tow to have the vehicle transported to one of our DriveTime Dealerships through Aeverex.On March 10, 2016, we received the vehicle with a dent on the passenger sideWe reached out to our customer to inform them we would not be able to accept the vehicle back in this conditionHe informed us the third-party insurance was going to cover the cost to repair the dentWe advised once it is fixed we can proceed with the abovementioned offer.On March 25, 2016, our customer expressed concern about an additional $required to get into another vehicleWe informed him we would not be able to waive any additional amount needed to get into a higher value vehicleWe tried to keep our customer in a comparable vehicle as far as vehicle type and payment amounts are concernedIt is our customer’s responsibility to pay any additional cost if they choose a higher value vehicle.On March 30, 2016, our customer contacted us inquiring about reimbursement for the rentalWe offered to review for reimbursement once he sends in paid receipts for the rental vehicle.After reviewing the receipts, we spoke with our customer on April 6, 2016, to offer them a 30-day rental reimbursement and towing reimbursement check totaling $Our customer expressed satisfaction with our offer and we ended our correspondence on amicable terms.We apologize for any confusion or inconvenience this matter may have causedWe 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 [redacted] Sincerely, Carlos S.DriveTime Customer Relations

August 8, Revdex.com Ph [redacted] Fax [redacted] Re: Complaint # [redacted] To Whom It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns On December 10, 2013, our customer entered into a Cancel Anytime Closed End Lease Contract with DriveTime, when she leased a Scion XBWhile DriveTime originated the Lease and is the Lessor, Bridgecrest Credit Company is the servicer for the LeaseAttached you will find the Lease Contract for your reference Our customer’s Lease Contract was written to allow for monthly payments of $487.98, due on the 2nd of each monthThis is an atypically short lease term, and appears to have resulted from an error at the time of signingBridgecrest, of course, will honor the Contract as written As our systems are not designed to support a 26-month lease term, they did not recognize that our customer had reached the end of her contracted term, and continued to process the account as though it were active and ongoing After a review of payments owed, credits earned, and payments made, it was determined that our customer had overpaid by $928.13.FULL RESPONSE ATTACHED

June 27, [redacted] Revdex.com Ph [redacted] Fax [redacted] Re: Complaint # [redacted] Dear Ms [redacted] , Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn July 03, 2014, our customer entered into a Closed End Motor Vehicle Lease with DriveTime, when she leased a Chevrolet CobaltAll lease vehicles come with a Life of Lease Limited Warranty, administered by [redacted] Included you will find the Closed End Motor Vehicle Lease Contract and the Life of Lease Limited Warranty Contract for your referenceAt the time of lease, our customer agreed to make monthly payments of $on the third of each month, beginning on August 03, Please refer to page two (2), subtitle "Default, Repossession, and Other Remedies," it states: "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." Our customer’s repair history is as follows: ? On October 03, 2014, our customer contacted [redacted] and stated the vehicle required a tune up and had a wobbly front tire [redacted] informed our customer tune ups are non-covered under her Limited Warranty and referred our customer to Cottman Total Auto Care to address her additional concerns [redacted] informed our customer to have the repair facility contact [redacted] once a diagnostic was completedNo claim was filed in regards to this concern On May 27, 2015, our customer contacted DriveTime and set up payment arrangements for her payment that would be due on June 03, Our customer informed us she would make a payment of $on June 12, We informed our customer as a one-time exception, we would allow her to make her payment in full on or before June 12, On June 16, 2015, our customer contacted DriveTime and informed us that she made the past due payment that morningOur customer stated the recovery agent was there to pick her vehicle up, even though she had the receipt for her paymentDriveTime informed our customer she would need to allow the recovery agent to take her vehicle as the payment she made was after the recovery agent was assignedWe informed our customer she had hours to pay the recovery fee of $300.00, or her Closed End Motor Vehicle Lease Contract would be terminatedOn June 19, 2015, DriveTime terminated our customer’s Closed End Motor Vehicle Lease ContractAt this time, as a goodwill gesture, we are offering to refund our customer one payment of $If our customer accepts our offer, we encourage our customer to contact us at [redacted] DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at [redacted] Sincerely, [redacted] *DriveTime Customer Relations

Dear Ms [redacted] , Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn August 16, 2013, our customer entered into a Simple Interest Retail Installment Contract when she purchased a Kia SportageIncluded you will find the Simple Interest Retail Installment Contract for your referenceOn May 28, 2014, DriveTime contacted our customer and came to an amicable resolutionAt this time, DriveTime has agreed to waive our customer’s deficiency balance and delete the trade lines from her credit reportIn exchange, our customer has agreed to release possession of the vehicle to DriveTimeAs a goodwill gesture, DriveTime has mailed a $ [redacted] Gift Card to our customerDriveTime 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

On September 26, 2017, we contacted our customer and began working toward an amicable resolutionWe advised we would have a check cut in-house and would send it via [redacted] overnight shipping to arrive no later than September 29, At this time, our customer has expressed satisfaction with this resolution

February 15, Revdex.com Re: Complaint # [redacted] Dear Ms [redacted] All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centersParts that fail inspection are replacedHowever, if a part is functioning at the time of inspection, there is no need to replace itOn April 6, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Nissan XterraOur customer also purchased a year/50,000-mile Vehicle Service Contract, administrated by [redacted] On December 15, 2015, an in-network repair facility updated a claim with Aeverex for the repair of the timing chain, timing chain tensioner and upper guideAeverex approved the cost of these repair for a total of $under the Vehicle Service ContractOn February 9, 2016, an in-network repair facility updated a claim for the repair of the fan clutch and serpentine beltAeverex approved the cost of these repairs for a total of $under the Vehicle Service ContractAt this time, DriveTime is unable to accommodate to our customer’s request to return the vehicle and rescind the Simple Interest Retail Installment ContractWe encourage our customer to have the vehicle taken to an in-network repair facility to be diagnosed for any mechanical concerns for further review Once an updated estimate is received, DriveTime will be able to further review for our customerDriveTime has made multiple attempts to contact our customer to reach an amicable resolutionWe encourage our customer to contact our customer relations department at [redacted] As a good-will gesture, DriveTime applied a $credit to our customer’s principal balanceWe apologize for any inconvenience or confusion this matter may have causedShould you have any questions or concerns, please contact us by calling us at [redacted] Sincerely, Customer Relations Department Tell us why here

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn December 27, 2010, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Ford FocusAttached you will find the Simple Interest Retail Installment Contract for your reference.On May 16, 2015, our customer submitted a payment of $to pay off the remaining balance of his loan with DriveTime.On June 1, 2015, our customer contacted DriveTime’s corporate offices to inquire about when to expect his titleWe informed that he should receive his title within 30-days from the date of payoff.On June 2, 2015, DriveTime ordered the title from the DMVWhen a title is ordered, it can take 10-business days to be delivered.On June 8, 2015, our customer contacted DriveTime to request the status of his titleWe informed him the title had been orderedWe sent our customer a Lien Release via overnight mail as a temporary solution for the delay.On June 9, 2015, our customer’s title was located and we arranged to mail it overnight to the customerFor your reference we have included a copy of the letter and title we sent.We apologize for any confusion or inconvenience this matter may have causedAs a goodwill gesture, DriveTime has mailed $American Express gift card to our customer.DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####.Sincerely, [redacted] *.DriveTime Customer Relations

May 28, [redacted] Re: Complaint # [redacted] Dear Ms [redacted] , Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn May 8, 2015, our customer entered into a Closed End Motor Vehicle Lease Contract with DriveTime when she leased a Pontiac TorrentAll lease vehicles come with a Life of Lease Limited Warranty, administered by [redacted] Included you will find the Closed End Motor Vehicle Lease Contract and the Life of Lease Limited Warranty Contract for your referenceOn May 16, 2015, a repair facility contacted [redacted] and recommended the following repairs: ? Radio/CD Player/AMP ? Driver’s Seat Tracks ? Fuel Injection Flush ? Brake Pads [redacted] approved the brake pads under the Life of Lease Limited Warranty and recommended the vehicle be taken to a manufacturer dealership to address the Radio/CD playerLater that day, our customer contacted DriveTime with concerns that there are additional repairs that are needed for the vehicle that are not being addressedWe informed our customer that if there are additional repairs needed for the vehicle, the repair facility would need to contact [redacted] and report the additional repairsOn May 18, 2015, a repair facility contacted [redacted] and recommended the following repairs: ? Front Rotors ? Right Lower Ball Joints Later that day, our customer was offered to terminate the current Closed End Motor Vehicle Lease Contract for her current vehicle and get into a different Closed End Motor Vehicle Lease Contract with DriveTime with no additional fees associatedOn May 22, 2015, our customer accepted our offer and leased a Nissan AltimaWe 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 [redacted] Sincerely, [redacted] DriveTime Customer Relations

After qualifying for vehicles, DriveTime encourages our potential customers to test drive vehicles of interestThis test drive typically is 2-miles to allow our customers to experience how the vehicle operates On April 14, 2017, an in-network repair facility initiated a claim with [redacted] for the stability control module [redacted] approved these repairs under the terms of the DriveTime Limited Warranty On April 19, 2017, the in-network repair facility advised [redacted] our customer has not returned, with the vehicle or any of their phone calls, to have the repairs performedThey informed [redacted] our customer expressed concerns with replacing the timing belt, as she was advised by the original equipment manufacturer (OEM) it was recommended to be replacedThe repair facility confirmed the timing belt is operating as designed and no failures were found At this time, the stability control module replacement has been approved by [redacted] To have these repairs performed, and to prevent further breakdowns from continued operation of the vehicle, we encourage our customer to return the vehicle to the repair facilityShould there be additional mechanical concerns with the vehicle, we encourage to have another diagnosis completed, at an in-network repair facilityDriveTime has not been able to make contact with our customer to explain the above-mentioned processWe will continue our efforts to communicate with her and address any additional concerns she may have

October 2, Revdex.com Ph###-###-#### Fax ###-###-#### Re: Complaint # [redacted] To Whom It May Concern, Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concernsOn December 8, 2014, the vehicle was recovered for default due to non-paymentPlease refer to page of the Simple Interest Retail Installment Contract, “Default” “You will be in default if you do not make any payment in full when such payment is due...We may also take items of personal property found in the Vehicle when we take back the vehicle and hold them for youIf you do not claim them within the time required by law, we will dispose of them in a commercially reasonable manner“ “If we take back the vehicle, we will sell it unless you exercise any right to cure or redeem the Vehicle that you may have under state lawThe sale proceeds, less amounts we pay to take back the vehicle, hold it, prepare it for sale, and sell it, and less our attorneys’ fees and legal costs if permitted by law, will be used to pay the amount you owe on this contractAny money left will be paid to you unless the law requires that we pay it to someone elseIf the sale proceeds are not enough to pay off this contract and costs, you will pay what is still owed (the deficiency) to us.” On December 10, 2014, we mailed our customer a redemption and reinstatement formThe purpose of this form is to inform the customer of the options available regarding the vehicleAttached you will find a copy of the Redemption and Reinstatement Form for your referenceOn page one of the Redemption and Reinstatement Form under the subtitle “All Charges are estimates and subject to change” it states: “Your Vehicle is stored at the following location: [redacted] ***, North Las Vegas ###-###-####If your vehicle was REDEEMED or, if entitled, the contract is REINSTATED, it can be reclaimed at this addressIf you had any personal property in the repossessed vehicle, such property may be identified and claimed by contacting the following party at the phone number.” On page two of the Redemption and Reinstatement Form subtitle “Notice Of Sale” it states: “The vehicle described above will be sold at private sale at any time days after the Date of Notice shown above unless the vehicle has been REDEEMED or the contract has been REINSTATED If the vehicle is not redeemed or the contract is not reinstated within the time period stated above, we will dispose of the vehicle.” On December 12, 2014, our customer contacted DriveTime regarding the repossessionWe informed our customer to redeem the vehicle we require a payment of $1,Our customer advised DriveTime she would redeem the vehicle at the end of the monthWe gave authorization to hold the vehicle until that timeOur customer did not redeem the vehicleOn March 12, 2015, we mailed our customer an Explanation of Calculation of Surplus or Deficiency formThe purpose of the document is to inform our customer of the proceeds received for the vehicle, and the amount being applied to their current deficiency balanceAttached you will find a copy of the Explanation of Calculation of Surplus or Deficiency form for your referenceAt this time, DriveTime is willing to offer our customers the following resolutionWe will delete our customer’s trade lines and waive the remaining deficiency balanceThis update should reflect on our customer’s credit reporting 30-days after the request is completedWe apologize for any confusion or inconvenience this may have causedDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, Josh SDriveTime Customer Relations