DriveTime

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns.On June 20, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a Jeep PatriotAt the time
of sale, our customer traded in a Ford ExplorerThe trade in amount of the vehicle totaled $1,Our customer paid a total down payment of $5,359.46 to DriveTime to satisfy his loan agreement with the previous lien holder for the Ford Explorer Due to unforeseen error, there was a delay in DriveTime sending a payoff check for $6,to Capital One Auto FinanceAt this time, the check is showing as cashed on DriveTime’s endWe have made several unsuccessful attempts to contact our customer to discuss his concernsOn August 20, 2015, we sent a letter via certified mail to our customer’s address on fileThe purpose of this letter is to inform our customer of our attempts to reach out to himWe encourage our customer to contact our Customer Relations department at ###-###-####, to discuss his concernsWe apologize forany confusion or inconvenience this matter may have causedAs a goodwill gesture, DriveTime has applied a $credit to our customer’s principal balance. DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-#### Sincerely, *** *DriveTime CustomerRelations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to readdress our customer’s concernsWe understand the importance of building and maintaining a credit scoreWe also understand the importance of accurately reporting credit activity and that is why DriveTime has made the effort to complete these system enhancementsWe originally anticipated our system enhancements for credit reporting would be completed no later than the end of February; however, there were some issues that arose that had to be addressed, pushing that timeframe out to AprilWe apologize for any confusion or inconvenience this may have causedWe have begun to roll our updated credit reporting systems at this timeReporting may not be immediately visible but completed updates should reflect on our customer’s credit report within 30-daysDriveTime is still unable to accommodate our customer’s requests for us to expedite the process of reinstating her credit reportingDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, DriveTime Customer Relations

August 26, Revdex.com Ph(602) 212-Fax (602) 263-Re: Complaint # *** To Whom It May Concern, Thank you for bringing this matter to our attention.We appreciate the opportunity to re-address our customer’s concernsOn July 31, 2013, our customer entered into a SimpleInterest Retail Installment Contract with DriveTime when he purchased a 2008Dodge AvengerThe vehicle came with a year/36,mile Vehicle ServiceContract, administered through AeverexAttached you will find the SimpleInterest Retail Installment Contract and the Vehicle Service Contract for yourreferenceOn August 30, 2013, the vehicle was brought into arepair facility for brake issuesAeverex approved resurfacing of rotors butthe brakes were at 40% life and therefor were not replacedOn September 26, 2013, our customer’s wife (an authorizedthird party) called into the DriveTime dealership with complaints againstAeverexThe complaint was due a non-covered seal that was causing the leak inthe vehicleThe authorized third party stated the mechanic “somewhat” fixed itfor them but the seal area was still leakingPer the notations in the Aeverex notes, the repairfacility informed Aeverex that they do not do this type of workAeverex informedour customer that he would need to take the vehicle to a different repairfacility to address the leakOn October 26, 2013, the authorized third partycalled into DriveTime about the leak repairWe advised that would be anon-covered item under the warrantyHowever, we would be able to look intoassistance if they paid for the repairsOn December 4, 2013, the authorized third partycalled into DriveTime and stated there was a rainstorm and the vehicle gotwater in itShe also advised that the vehicle had been a car accident before time of saleWe advised herto get an estimate for the repairs and to follow up with usOn December 6, 2013, the authorized third partycalled back in to follow upShe advised that the repair facility was still diagnosingthe vehicleShe stated the repair facility did inform her that it wouldprobably be around $from what they are seeing so farShe inquired aboutthe assistance via deferment of a paymentWe advised she would need to send ina paid receipt to be able to look into completing a deferment on the accountOn December 20, 2013, our customer brought thevehicle to different repair facility and a claim was called into Aeverex for awindshield seal and brake padsThese components are non-covered under thewarrantyIn addition, they were unable duplicate the transmission slippingissueOn December 23, 2013, we contacted the authorizedthird party to go over her concerns about the leakShe advised that thevehicle had been in an accident that is possibly responsible for the leakissueWe advised her that the Experian AutoCheck History Report our customersigned at the time of sale indicated that there was an accidentThis accidentwas disclosed to our customer prior to purchaseThe authorized third partystated she would send in her receipts for the seal she paid for out of pocket.She was upset that the seal she paid for did not address the leak issue andthat the repair facility was unable to locate where the leak was coming fromafter windshield was re-sealedOn December 26, 2013, the authorized third partycalled in to see if we had received the receiptsThe representative advisedthat we would have to call out to the repair facility to verify the repair waspaid forThis validation had to occur due to the receipt appearing to be inher handwritingWe obtained the repair facility’s phone number from theauthorized third party to verifyOn December 27, 2013, we tried to contact the repairfacility to verify the repair was paid forWhen we called the phone numberprovided, it went to a personal voicemailWe were also unable to locate therepair facility in that state to obtain a business numberThe authorized thirdparty called later that day and we advised her of this informationShe advisedthat her friend had completed the work at his small shop located at hisresidenceWe advised that if we had known that the mechanic she went to wasnot certified, we would have referred her to a certified repair facilityWewere unable to confirm the hand written receipts and advised she would need totake it into a certified repair facilityOnce we receive the paid invoice, wecan then proceed to process a defermentOn December 30, 2013, we confirmed the out of pocketexpenses from the non-covered repairs mentioned on December 20, Weadvised that they would need to make a payment on January 3, before wecould process a defermentThe payment was made on January 4, and we startedthe deferment application on January The deferment application was cancelleddue to the authorized third party stating the vehicle needed to go back into arepair facilityWe advised we would adjust the extension as needed if she sentin additional receipts for any non-covered repairsOn January 8, 2014, a repair facility called intoAeverex for brake noiseAeverex informed the repair facility that brake noiseand brakes in general are non-covered componentsOn January 20, 2014, we contacted the authorizedthird party regarding these non-covered repairsShe advised us of the repair’stimeframe as well as when she will have the invoice paidWe advised we wouldprocess the deferment once we receive the additional paid receiptsWe advisedthat once we process the deferment, the account will not be eligible foradditional deferments for another six monthsOn February 10, 2014, the authorized third partycalled about the deferment on her accountShe was advised that as agreed inprevious conversations, it could not be processed yet because of the new mechanicalissues that aroseWe advised that we needed to include those out of pocketexpenses in the defermentOn March 4, 2014, we were in contact with theauthorized third party about the deferment and that we were waiting until thelast non-cover repairs were paid forShe advised she has having the repairscompleted soon and will fax in the paid receiptsOn March 25, 2014, Aeverex approved the disccaliper, brake pads, and rotors to be replacedOn April and 10, 2014, we tried contacting ourcustomer and the authorized third party regarding the receipts to complete thedeferment but we were unsuccessfulThe account was now at days past dueOur collections department got in contact with ourcustomer and authorized third party regarding the past due amount on theaccount and set up multiple payment arrangements to assist our customer withthe past due balanceOn May 5, 2014, the vehicle was repossessed duepayment defaultThe authorized third party called in regarding the status ofthe accountOur customer made a payment that came back as insufficient fundsWe have been unable to contact our customer butwould like to provide the following information: ? In reconditioning of the vehicle, the brakes wereabove minimum standards? There was no transmission issues or water damagefound in reconditioning and the repair facilities that the vehicle was broughtto after the sale were unable to locate an issue with the transmission? Our customer signed the Experian AutoCheck VehicleHistory Report acknowledging that there was a minor rear end accident? We checked the Experian AutoCheck Vehicle HistoryReport, and the report was clear of any flood damage? We attempted multiple times to assist our customerand authorized third party with a deferment and payment arrangements? Our customer had the first five days of the loanto return the vehicle if they are not happy with their purchase and receivetheir full down payment backWithout any new information, we are still unable toaccommodate our customer’s request to refund the $1,down paymentAs agoodwill gesture, DriveTime will delete our customer’s trade line from thethree major credit bureausDriveTime thanks the Revdex.com fortheir ongoing supportShould you have any questions or concerns, pleasecontact us by calling us at 800-965-Sincerely, DriveTimeCustomerRelations

(Please see the attachments for our full response.)Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsAfter review of this matter, we have offered to cover the cost of one tire replacement, as the three additional tires requested do
not show any evident signs of needing immediate replacement. On September 9, 2017, our customer entered into a Simple Interest Retail Installment Contract (Contract) when she purchased a Nissan Rogue from DriveTimeSubsequently, DriveTime assigned the Contract to Bridgecrest Acceptance Corporation (Bridgecrest)The vehicle came with a day/1,mile DriveTime Limited Warranty (Warranty), administered by SilverRockOur customer purchased an additional year/50,mile Vehicle Service Contract (VSC), also administered by SilverRockAttached are the Contract, Warranty, and VSC for your referenceAs per page one of the Warranty and page three of the VSC tires are non-covered componentsAll review efforts and offers have been completed as goodwill exceptions.Should our customer opt to have additional photographs sent in for review, DriveTime is willing to continue to work towards resolving her concernsWe thank you for your ongoing support in allowing us the opportunity to address our customer’s concernsShould you or our customer have any questions or concerns, please contact our Customer Relations department directly at ###-###-####

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn March 25, 2013, our customer entered into a Simple Interest Retail Installment Contract when she purchased a Pontiac GIncluded you will find the Simple Interest Retail
Installment Contract for your referenceOn September 19, 2014, we contacted our customer and came to an amicable resolutionAs a goodwill gesture, DriveTime has mailed our customer a $*** *** giftWe encouraged our customer to contact the recovery agency regarding her personal belongings and metal platesDriveTime 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

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.On July at approximately 9:a.mI received a voicemail message for Drive Time representative Janet informing me that she had good news about my deferment request.On July at approximately 8:p.mI received another voicemail from Drive Time representative *** that she had good news about my deferment request.After two voicemail message I believed that my deferment request was approved It is my strong belief that Drive Time should HONOR the message from their representative.I have since been in touch with Natalie in the customer relations department Instead of anyone addressing the two voicemails I received I have to now provide proof that I had a financial hardship because my word to them is not believable Regards,*** ***

(Please see attached for full response)On May 25, 2017, DriveTime made an unsuccessful attempt to reach our customer to discuss our offer. On May 26, 2017, our customer contacted DriveTime inquiring about us arranging the pickup of the vehicleWe explained to her if we assign the vehicle for
recovery, there would be additional recovery fees assessed upon return of her vehicleOur customer advised she would return the vehicle, voluntarily, that evening. On May 30, 2017, DriveTime reached out to our customer to discuss her concernsWe explained the above information and timelineOur customer requested reimbursement of car insurance, vehicle tax, and costs to tint the vehicle windowsWe advised we were unable to accommodate her request to refund car insurance or window tint costsHowever, we requested the receipt for the vehicle taxes to review for possible reimbursementOur customer advised she would send us the informationDriveTime also advised the refund check, for her down payment and one payment made, had been sent and should arrive to her the following dayThe call ended on amicable terms On June 1, 2017, our customer contacted DriveTime to obtain an update on the receipt reviewWe advised we would reimburse her the vehicle tax costs, $Our customer accepted the offer and the call ended on amicable terms. At this time, the contract has been fully rescinded and all available refunds have been provided to our customer

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns.On July 3, 2014, our customers entered into a Cancel Anytime Lease Contract with DriveTime when they leased a Dodge CaliberAttached you will find the Cancel Anytime Lease
Contract for your referenceOn December 2, 2014, our auto-pay system attempted to draft a payment and was returned due to insufficient funds on December The auto-pay was then cancelled due to the insufficient fundsOn December 22, 2014, the vehicle was tagged for repossession due to the account being days past dueThere are no grace period for lease paymentsOn January 3, 2015, and January 13, 2015, DriveTime attempted to reach out to our customers but the home phone number on file was disconnectedOn February 5, 2015, and February 10, 2015, DriveTime attempted to reach out to our customers but the home phone number on file was still not in serviceOn February 10, 2015, the vehicle was repossessed due to the account being days past due, totaling $1,Our customers called into DriveTime using a different phone number than what we had on file to inquire about the status of the vehicleWe advised that they had hours to redeem the vehicle by paying the past due amount and the $in repossession feesWe also advised that there could be additional fees up to $from the repossession agencyOn February 17, 2015, the lease was terminated in the system; therefore, redeeming the vehicle was no longer an optionOn February 19, 2015, we reached out to our customers and advised that returning the vehicle back to them is no longer an optionWe also advised that DriveTime attempted to contact them about the past due payments and expressed the importance of keeping their contact information updatedShe advised that she had called in November to update her informationHowever, we only have notations that she called in August and February We advised it is our customers’ responsibility to make sure their payments are being withdrawn or paidOur customer stated that she does not want anything from us and will continue to take this situation up with her attorneyAt this time, we are unable to accommodate our customers’ request and come to an amicable resolutionHowever, as a goodwill gesture, DriveTime is sending our customers a $gift card to their address on fileDriveTime thanks the *** *** *** for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, DriveTime Customer Relations

December 15, 2015*** ***RevDex.comPh(602)
212-2232Fax (602)
263-0997 Re:
Complaint # ***Dear Ms*** Thank you for bringing this
matter to our attentionWe appreciate the opportunity to address our customer’s
concerns.On November 26, 2014, our
customer entered
into a Simple Interest Retail Installment Contract with
DriveTime when she purchased a Hyundai Santa FeOur customer also purchased
a year/50,mile Vehicle Service Contract, administrated by Aeverex
Attached you will find the Simple Interest Retail Installment and Vehicle
Service Contract for your referenceThat same day, our customer
contacted Aeverex in regard to concerns with the battery and brakes on the
vehicleAeverex suggested to have the vehicle taken to a repair facility to be
diagnosedDriveTime offers a Vehicle Return
Program, which gives our customer the ability to return the vehicle to
DriveTime and terminate the Simple Interest Retail Installment ContractTo
participate in the vehicle return program, our customer must return the vehicle
to the dealership within five calendar daysPlease see the attached document
“What You Need to Know About Financing a Vehicle with DriveTime” under the
section labeled “Vehicle Return Program”:“If
all required conditions are met, DriveTime will give you the ability to return
the vehicle to DriveTime and terminate your contract with five calendar days of
purchase.”On December 1, 2014, an
out-of-network repair facility updated a claim with Aeverex for the repair of
the Battery ground connection, brake pads and rotorsAeverex covered the cost
of these repairs for a total of $705.78On February 3, 2015, an
in-network repair facility updated a claim with Aeverex for the repair of a
fuel gauge sending unit and diagnosticAeverex approved the cost of these
repairs for a total of $under the Vehicle Service contractOn October 27, 2015, our customer
returned the vehicle to a DriveTime sales lot as a voluntary repossessionAt
that time, our customer’s credit history reflected as charge-off-voluntary
repossessionAt this time, DriveTime is willing
to settle with our customer and delete the trade line. DriveTime has made multiple
attempts to contact our customer to reach an amicable resolutionWe encourage
our customer to contact our customer relations department at 800-965-to
accept the above offerShould you have any questions or
concerns, please contact us by calling us at 800-965-Sincerely, Justin MDriveTime Customer Relations
Department

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsOn August 19, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a Dodge CaliberAttached you will find the Simple
Interest Retail Installment Contract for your referenceDriveTime has temporarily ceased credit reporting to all three major credit bureau agenciesWe apologize for any inconvenience to our customerThe cease is due to required system enhancementsWhile going through the credit reporting enhancements there is a possibility that credit-reporting errors may occurTherefore, all credit reporting was ceased and purged to comply with the Fair Credit Reporting ActWe understand the importance of building and maintaining a credit scoreWe 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 timeReporting may not be immediately visible but completed updates should reflect on our customer’s credit report within 30-daysAs a goodwill gesture, DriveTime has applied $to our customer’s principal balanceDriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, DriveTime Customer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concerns. On January 31, 2015, our customer’s account was at days past due and “charged-off” due to non-payment. On February 12, 2015, our customer’s vehicle was sent out for repossession; this was put on hold when an arrangement was made for our customer to pay $1,towards her DriveTime accountThe payment had to be received by March 27, to be able to keep the vehicle, even though she was past due $2,Our customer made the necessary payment within the allotted timeframe. As a courtesy, we allow our customers to continue driving and paying in charge-off statusWe do report to the credit bureaus that we are receiving payments from our customer, but the account will still reflect as a charge-offAs long as our customer is diligent in paying the agreed upon bi-weekly amount, she will be allowed to retain possession of the vehicle. We have completed the necessary credit reporting updates with *** and ***, and they have uploaded our customers’ account information for public viewingWe anticipate the enhancements with *** will be completed no later than the end of April. We understand the importance of building and maintaining a credit scoreWe also understand the importance of accurately reporting credit activity, and that is why DriveTime has made the effort to complete these system enhancements. We apologize for any confusion or inconvenience this may matter have causedPer our customer’s request, we have lifted the cease-and-desist on her account.On April 21, 2015, we contacted our customer and came to an amicable resolutionWe advised her of the above information and addressed her concernsWe encouraged our customer to contact DriveTime Customer Relations at ###-###-#### should she have any further inquiries. DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely,*** **DriveTimeCustomer Relations

October 1, 2015 Revdex.comPh(602) 264-5299Fax (602) 263-0997 Re: Complaint # *** To Who It May Concern: Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns On
July 3, 2015, our customer entered into a Closed End Motor Vehicle Lease Contract with DriveTime when she leased a Nissan Altima. Included you will find the Closed End Motor Vehicle Lease Contract for your reference. At the time of lease, our customer agreed to make periodic payments of $215.43, the first being due July 18, 2015, followed by periodic payments of $due every other SaturdayIn addition, our customer’s lease vehicle required an amount due at signing of $1,however; our customer only paid $towards the amount due at the time of leaseTo compensate for the remaining funds required, DriveTime agreed to offer our customer a side note or Simple Interest Retail Installment Contract in which our customer agreed to an additional four payments of $in conjunction with her first four lease paymentsAttached you will find the Simple Interest Retail Installment Contract for you reference At the time of lease, our customer reviewed and signed the Return Anytime Lease documentOn page 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…” On July 18, 2015, our customer’s first lease payment came due totaling $On the same day DriveTime receive two electronic payment one for $and the other for $At that time both payments were pending finalization On July 20, 2015, our customer contacted DriveTime to see why her payments still showed as pending finalizationWe advised our customer some financial institutions could take up to five business days to complete the payment processWe advised our customer to contact DriveTime in a few days to insure the payment was processed in full On July 23, 2015, our customer’s pending payment for $was reversedDriveTime attempted to contact our customer however; we were unable to do so On July 29, 2015, our customer returned DriveTime’s calls in regards to her delinquencyOur customer advised her bank statement showed the payment for $had been processedWe advised our customer the payment in our system still showed pending finalizationOur customer advised she would pay the amount that had been reversed on July 23, 2015, of $ On July 31, 2015, DriveTime received a payment of $through our CheckFree system applied to the customers lease accountDue to the way our payments are applied, the $was allocated to our customers side note firstOur customers account was reflecting as paid ahead by $ However, after receiving the payment of $555.00, the previously pending payment of $made on July 18, 2015, was reversedThis brought the account to be paid ahead by only $92.07. On August 1, 2015, our customer’s next payment of $came dueWith the paid ahead amount of $92.07, our customer was due $ On August 7, 2015, our customer contacted DriveTime due to the delinquency on her accountWe advised our customer the payment of $had been reversed and her account was currently delinquent $ On August 15, 2015, another payment of came dueLater that day, our customer contacted DriveTime to clarify her currently owed balanceDriveTime explained the payment reversal and current delinquency of $Our customer advised she understood and paid the delinquent amountDriveTime processed the payment and advised our customer she would owe one more side note in conjunction with her next payment. On August 29, 2015, our customer’s next lease payment came due totaling $in which DriveTime did not receive a payment On September 1, 2015, our customer contacted DriveTime in regards to her accountOur customer was mistakenly advised she was only due $when in fact she was due $Our customer arranged to pay the requested $ On September 17, 2015, our customer contacted DriveTime to insure her payment had processed for $DriveTime advised our customer the payment had processed and the account was current On September 24, 2015, DriveTime repossessed the vehicle due to the delinquency owed on the side note contractOn the same day, our customer contacted DriveTime to dispute the repossessionOur customer advised she had paid her side note contract in full and had been advised accordinglyOur customer sent in bank statements showing the payments from JulyAfter further review, DriveTime advised our customer the delinquency was not related to the reversed payment in JulyWe advised our customer the delinquency was from the final payment due August 29, On September 28, 2015, our customer paid the delinquency owed and fee due redeeming the vehicleDriveTime sent the authorization to the repossession agent to release the vehicle back into the customer possession. At this time, we have been unable to contact our customer to discuss her concernsDriveTime has submitted a request to have the customer lease account credited for $300.00, which is the amount she paid to DriveTime for the repossession fee and the amount she would have paid the repossession agent for the release of the vehicle We are also sending our customer a gift certificate for $for the confusion surrounding the handling of her payments. We encourage our customer to contact the Customer Relations Department at 800-965-8043, to discuss her concerns further We 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 *** *** Sincerely, *** **DriveTime Customer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concernsAt this time, we can offer our customer the following resolution: refund the $due at signingIn exchange, our customer will release possession of the vehicle to the DriveTime dealership our customer leased from and sign a Full Settlement and Release of ClaimsThis settlement offer is good until July 03, If our customer would like to take advantage of this offer, they will need to contact our Customer Relations Department at ###-###-####DriveTime thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, *** ** DriveTime Customer Relations

Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concernsWe apologize for any inconvenience to our customerWhile going through the credit reporting enhancements, there is a possibility that credit-reporting errors may occurTherefore, all credit reporting was ceased to comply with the Fair Credit Reporting ActWe anticipate system enhancements to be completed and credit reporting to resume no later than the beginning of MarchDriveTime 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

Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns. On February 6, 2015, DriveTime made an exception to place a "hold" on the vehicle at auction. Our customer was informed the hold was only good for seven-day and to keep in contact with us if a payment could not be made during the hold.  On February 13, 2015, we were unsuccessful in our attempt to contact our customer regarding the reinstatement of the vehicle since the hold would expire at end of business. On February 17, 2015, the auction completed repairs recommended for the vehicle. Later that day, we spoke with our customer and made an additional exception to place another seven-day hold on the vehicle. On March 26, 2015, we attempted to contact our customer to come to an amicable resolution but were unsuccessful. At this time, we are offering to cover half ($253.41) of the repair cost at auction. Our customer will be responsible the other half of repair cost, storage fees, and any additional fees owed directly to the auction. We encourage our customer to contact us if she would like to accept our offer. Our customer has until March 31, 2015 to contact us and secure the vehicle from auction, or it would be considered abandoned and sold at auction.  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 re-address our customer’s concerns. A customer’s approval for financing is subject to our receipt of documentation from our customer. The documents may include a proof of income, proof of residence, and a driver’s license. This allows us to confirm the identity of our customer and the accuracy of the information provided to us. At the point of sale, our customer provided the attached proof of income for her current employment. Prior to purchasing the 2007 GMC Envoy SLE 4DR SUV, our customer was presented with a Buy Option Summary. Our customer signed and reviewed the attached Buy Option Summary prior to purchasing the vehicle acknowledging the estimate financed terms.   At the time of purchase, our customer signed and reviewed the following attached documents:Simple Interest Retail Installment Contract Retail Purchase Agreement What you need to know about financing a vehicle with DriveTime Customer Payment Schedule By signing the above mention documents, our customer acknowledge and agreed to pay back the total sale price of the vehicle.  On December 11, 2014, our customer voluntarily returned the vehicle to DriveTime.  On January 2, 2015, the proceeds of $4,807.00 were credited to our customer’s account when the vehicle was sold at auction.  On January 22, 2015, an audit was completed on random accounts where it was found the auction check was applied to our customer’s account twice. The duplicate application of the auction check was removed. Therefore, our customer’s current payoff is $10,990.96, for the remaining principal balance and interest:  Principal: $10,260.80 Interest: $ 730.16 At this time, we are unable to accommodate our customer’s request to refund monies paid and delete the trade line from her credit report. However, we are offering the following resolution: DriveTime agrees to:  Waive deficiency balance of $10,260.80 Delete trade line from all three (3) major Credit Bureau reporting agenciesIn exchange, Customer agrees to: Remit payment to DriveTime via certified funds in the amount of $2,750.24  Our customer will be required to sign a Full Settlement and Release of Claims if she decides totake advantage of this offer. This settlement offer is good until April 30, 2015.  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 re-address our customer’s concerns. On January 31, 2015, our customer’s account charged off at 127 days past due for $1,855.10. If a customer’s account charges off, they may have an opportunity to redeem or reinstate their vehicle. The status of the account does not change if the customer chooses to redeem or reinstate their vehicle. If a customer chooses to redeem their vehicle, they are required to pay the total unpaid contract balance and additional fees for recovering the vehicle. Our customer chose to reinstate the vehicle and was required to pay the past due amount plus fees for recovering the vehicle. Our customer’s account will continue to reflect as being in a charge off status. However, as our customer makes her payments, her remaining principal balance will reduce. Once our customer pays off the remaining principal balance in full, her credit report will show a paid charge off 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

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.

I did receive a call from Carlos at Drivetime regarding my complaint to the Revdex.com. He informed me that the person that deleted the 30 day late mark did so by mistake so they then put it back on. He informed me that it was against the law to remove a 30 day late from your credit report (If so the person that did it before broke the law) I know this to be untrue, I am asking for a good will adjustment to my credit report. It is not fair to my wife and I that we paid all this money for the car and worked so hard building our credit up just to have this one 30 day late mark on our credit ruin 5 years of hard work. I do not want this on my credit report for the next 7 years. You can plainly see that I did in fact trade the Altima in and that I was in constant contact with both DT and the other dealership until the payoff was received. I am being punished for the dealership taking so long to pay off my car and that is extremely unfair. To make it worse I dealt with this exact issue in the past to the point of calling the corporate office to have it removed to which they agreed and removed it now they say "Sorry it was a mistake" Mistake or not it was deleted and should have been left deleted. Even if I have to call everyday until I speak to the CEO of the company I will not rest until this negative mark is removed. I am asking that DT puts themselves in my shoes. Work hard for 5 years to better your credit score paying 20% interest and $27,000 on a 2008 car plus working hard to make sure that all other bills are paid on time so that you can better your credit for a better future for yourself and your family, When you finally get to where you want to be it is all ruined because of 1 simple late payment that was 100% beyond your control. How would that make you feel? I truly appreciate DT for trusting me and giving me the opportunity to purchase a car when no other dealers would, I just ask that they now do the right thing.

Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customers’ concerns. On February 26, 2015, we contacted our customer and offered the following resolution: DriveTime agrees to: - Refund to Lessee of down payment in the amount of $600 In exchange, Customers agrees to: - Release possession of vehicle to DriveTime Our customer will be required to sign a Full Settlement and Release of Claims if they choose to take advantage of this offer. This settlement offer is good until March 6, 2015. 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