DriveTime

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On December 18, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2009 Ford Flex. All DriveTime vehicles come with a 30...

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

December 11, 2015RevDex.comPh.
(602) 212-2232Fax
(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 October 20,
2015, our customer entered...

into a Closed End Motor Vehicle Lease with DriveTime
when she leased a 2006 Nissan Sentra. The vehicle came with a Vehicle Service
Contract for the life of the lease, 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 “Vehicle Delivery Checklist” under Important
Reminder, states: “Our focus in the multi-point inspection is primarily the safety and
reliability of your vehicle…Please ensure you are comfortable with the
condition of the vehicle prior to leasing.” Additionally, on page one of the “Vehicle Delivery Checklist” under
Maintenance Items, states: “…These maintenance items are subject to replacement only upon
failure of the component...” At the time of lease, our customer signed and reviewed the “Vehicle
Delivery Checklist.” Attached you will the Vehicle Delivery Checklist for
your review.On October 26,
2015, our customer contacted DriveTime and stated concerns with the vehicle’s
battery. Our customer was advised to contact Aeverex for an in-network repair
facility for diagnostic. On that same day,
our customer contacted Aeverex and stated mechanical concerns with the vehicle.
Aeverex advised our customer to take the vehicle into an in-network repair
facility for diagnostic. On November 23,
2015, our in-network repair facility filed a claim with Aeverex for the repair
of engine mounts, battery terminal ends, and radio. Aeverex advised our
customer that the repairs were approved under the terms of the Vehicle Service
Contract. On November 27,
2015, our customer contacted Aeverex and stated ongoing concerns with repairs
that were previously completed at our in-network repair facility. Aeverex
advised our customer to take the vehicle back to our in-network repair facility
for diagnostic. On December 1,
2015, our customer contacted Aeverex and stated that she was unable to get the
vehicle into the in-network repair facility due to needing the vehicle to get
to work. Aeverex advised our customer that they were unable to assist without a
new diagnostic on file. On that same day,
our customer contacted DriveTime and expressed her concerns with the check
engine light in the vehicle. DriveTime also advised our customer to take the
vehicle back to our in-network repair facility for diagnostic.  On December 4,
2015, DriveTime contacted our customer in an attempt to address her concerns
and reach an amicable resolution. We advised our customer that DriveTime would
make an exception to the Vehicle Service Contract and provide her with two days
of a direct bill rental vehicle once the vehicle is at our in-network repair
facility for diagnostic. On that same day,
our customer advised DriveTime that the vehicle has passed emissions testing.
In turn, DriveTime was able register the vehicle in the state of Arizona. Currently, there
have been no claims filed with Aeverex in regards to our customer’s mechanical
concerns with the vehicle. We encourage our customer to take the vehicle into
our in-network repair facility for diagnostic. Without any new information, DriveTime is unable to accommodate our
customer’s request to be placed into a different vehicle with us. We encourage
our customer to contact our Customer Relations department at 800-965-8043 for
further assistance. We apologize for
any confusion or inconvenience this matter may have caused. As a goodwill
gesture, DriveTime has sent a $25.00 American Express gift card to our
customer’s address on file. 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, Diana C.DriveTime Customer
Relations

On December 27, 2014, our customer contacted Aeverex with concerns about a check-engine light on in the vehicle. Aeverex referred him to multiple in-network repair facilities to have the vehicle diagnosed.Later that day, our customer contacted DriveTime with concerns about paying a $100.00...

deductible for repairs that were covered under the terms of the Vehicle Service Contract. We contacted Aeverex and made an exception to waive the deductible for any covered repairs that may be reported in an upcoming claim. However, no claims were ever filed in regard to this matter.In the last year, neither DriveTime nor Aeverex has received any further correspondence from our customer concerning mechanical issues with the vehicle. To date, no claims have ever been filed with Aeverex by a repair facility. If our customer is experiencing mechanical issues with the vehicle, we encourage him to contact Aeverex at ###-###-#### to begin the claims process.On February 1, 2016, we contacted our customer and began working toward an amicable resolution. We encouraged him to take the vehicle to an in-network repair facility for diagnosis and advised that once a claim had been filed with Aeverex, we would review options for possible assistance. Likewise, we encouraged him to send any receipts for previous out-of-pocket repair costs to us for review. Our customer was agreeable to this course of action and advised he would contact us one he had completed the abovementioned steps.

Dear Ms. [redacted],Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On January 31, 2015, our customer entered into a Cancel Anytime Lease Contract with DriveTime when she leased a 2005 Ford Freestar. The lease also came with a Life...

of Lease Warranty. Attached you will find the Cancel Anytime Lease Contract and Life of Lease Warranty for your reference.On February 6, 2015, our customer called in regards to not having a vehicle while her vehicle was in the repair facility. Lease contracts do not come with any type of rental assistance; however, as a one-time exception, we offered rental reimbursement of up to $25.99 per day during the time the vehicle was in the repair facility.On February 7, 2015, our customer called in regarding the rental reimbursement. She advised that she could not afford to pay for the rental up front. We advised that we could assist her by providing a per diem account credit of $72.73 for the five days the vehicle was in the repair facility. We also credited the account $75.00 for the tow our customer paid for out of pocket.On February 20, 2015, our customer informed us that the vehicle was not starting and had to go back to the repair facility.On February 23, 2015, our customer informed us that the vehicle was still in the repair facility and a diagnostic was being conducted. We advised that once the diagnosis was called into Aeverex, we would review for possible assistance. We advised that a per diem account credit could be offered.On February 26, 2015, our customer called in regarding the additional per diem credit. However, the repair facility was still waiting on the radio part to arrive. Our customer resumed possession of the vehicle until the part arrived. We decided to wait until all of the repairs were completed before submitting for the last credit.At this time, the per diem credits are the only assistance we have available to our customer. Once the remaining repair is completed on the vehicle, we will submit for the final credit to the 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,DriveTimeCustomer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On October 28, 2013, our customer entered into a Retail Installment Contract with DriveTime, when he purchased a 2005 Jeep Grand Cherokee. The vehicle included a 3 year/36,000...

mile vehicle service contract, administered by Aeverex. Attached you will find the retail installment contract and vehicle service contract agreement for your reference.
We have made several attempts to contact our customer to discuss his concerns, but have been unsuccessful. On October 28, 2014, 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 him. We encourage our customer to contact our Customer Relations department at [redacted], to discuss his concerns.
As a goodwill gesture, DriveTime has mailed a $25 [redacted] to our customers’ address on file.
DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at [redacted].
Sincerely,
DriveTime
Customer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On July 18, 2014, we offered our customer the (3) three payment deferment that was originally requested in addition to another (1) one payment deferment. We credit (1) one payment to her account once her July 17, 2014 payment was made. We set a promise to pay for Friday, July 25, 2014.
On July 28, 2014, we reached out to our customer to let her DriveTime’s one payment credit to her account had posted and we were still waiting on her agreed upon payment. Our customer stated she did not have a payment until the August 2, 2014. We reiterated that her July 17, 2014 payment needed to be made in order for the deferment to go through. We advised her that payment needed to be made by August 2, 2014 otherwise the deferment would expire.
On August 6th and 7th, we attempted to reach our customer. We left voicemails asking her to contact us regarding the account status.
On August 7, 2014, we overnighted a No Contact Letter for her to contact us by Monday, August 11, 2014 to go over what was needed. As of August 12, 2014, we have not received any contact.
As of August 12, 2014, our customer has yet to make the July 17, 2014 payment needed to process the 4 payment deferments and the deferment paperwork has now expired.
In a final attempt to assist our customer with a deferment, (2) two payments are now needed since she has missed the additional payment that was due on August 2, 2014. The payments would need to be made by August 14, 2014 to process the deferments resulting in a new due date of August 17, 2014. If we do not receive the (2) two payment by the above date, we will be unable to further assist our customer with deferments.
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,
[redacted]
DriveTime
Customer Relations

[redacted] 
Revdex.com:
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,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [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,
[redacted]

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On February 5, 2015, our customer entered into a Closed End Motor Vehicle Lease Contract with DriveTime when she leased a 2006 Ford Expedition. Included you will find the Closed End...

Motor Vehicle Lease Contract for your reference.At the time of lease, our customer agreed to make a first payment of $236.65 due on February 21, 2015, followed by 64 periodic payments of $236.65 due every other Saturday. The term of our lease program is designed for a specific amount of time, for this reason we are unable to process any modifications through the life of the lease.At the time of lease our customer signed and reviewed the Return Anytime Lease Agreement. On page 3, under section 11 subtitled 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…"In addition, it explains:" If you are in default, after waiting any time the law requires, we may… take (repossess) the vehicle…"Since the start of our customer’s lease agreement, her account has reached past due on eight different occasions, four of which exceeded ten days past due. During this time we have made several attempts to work with our customer and her authorized third party by setting promised payment dates. Many of these arranged payments were not met.As of July 23, 2015, our customer’s account is nine days past due with a past due balance of $295.14. Another payment of $236.65 is set to be due this Saturday, July 25th.At this time we are unable to accommodate our customer’s request. DriveTime’s Closed End Motor Vehicle Lease program allows our customers to return the vehicle and cancel the lease, anytime, with no penalties or refund. If our customer feels the lease program no longer works for her, whether it is ability to make payments or life changes, our customer can cancel her lease any time by returning the vehicle to the dealership. By bringing the vehicle back, our customer is then eligible to lease or buy a vehicle from us again at any time in the future.We have made several unsuccessful attempts to contact our customer to discuss her concerns. On July 22, 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 ###-###-####, to discuss her concerns.We apologize for any confusion or inconvenience this may have caused. As a goodwill gesture, DriveTime has applied a $25.00 credit to our customer’s account.DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####.Sincerely,[redacted].DriveTime Customer Relations

May 23, 2015   [redacted] Revdex.com Ph. [redacted] Fax [redacted]    Re: Complaint # [redacted]   Dear Ms. [redacted],   Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns...

  On November 8, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2011 Chevrolet Impala. Our customer opted to purchase a 5 year/50,000 mile Vehicle Service Contract, administered by [redacted]. Attached you will find the Simple Interest Retail Installment Contract and Vehicle Service Contract for your reference.   DriveTime offers a Vehicle Return Program that gives our customers the ability to return their vehicles to DriveTime and terminate their Simple Interest Retail Installment Contracts. To participate in the vehicle return program, our customers must return their vehicles to the dealership where they purchased within five calendar days. This is outlined in the Retail Purchase Agreement, which is attached for your review. When our customers’ accounts fall past due, we make daily attempts to contact them to discuss their account. Throughout the life of his loan, our customer’s account has frequently been past due. Since his account first fell past due on December 3, 2014, our records indicate that DriveTime has placed calls out to our customer no more than twice per day.   The [redacted] mini-Miranda notice requirement is limited to third-party debt collectors only. Because DriveTime provides its own loan servicing, the mini-Miranda notice requirement is not applicable to DriveTime’s loan advisors.   At the time of sale, our customer signed a document called “What you need to know when financing a vehicle with DriveTime” that states under “Recalls”: “Used vehicles may be subject to manufacturer recalls to repair, at no cost to you, mechanical or operational problems. Only new car dealers are allowed to do these repairs. You should confirm with a new car dealer that your vehicle does not require recall repairs.” The “What you need to know…” document has been attached for your reference. Our records indicate that our customer has not communicated with [redacted] regarding any of his mechanical concerns. We encourage our customer to contact [redacted] at 888-781-5649 in order to have his mechanical concerns properly addressed.   On May 19, 2015, we contacted our customer and discussed the above information. We encouraged our customer to take his vehicle to an in-network repair facility to have the current issues diagnosed. We advised that once a claim was on file with [redacted], we would review options to assist with any non-covered repairs. We also encouraged our customer to send in receipts for his previous out-of-pocket repair costs so we could review options for potential deferments. However, our customer advised he would continue to pursue matters with the Revdex.com.   At this time, we are unable to accommodate our customer’s request for DriveTime to take him out of the vehicle and credit him the money he has paid into the loan. 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 800-965-8043.   Sincerely,   [redacted]. DriveTime Customer Relations

August 14, 2015 [redacted]Revdex.comPh. [redacted]Fax [redacted]  Re: Complaint # [redacted] Dear [redacted], Thank you for bringing this matter to our attention. We appreciate the opportunity to readdress our customer’s concerns On July 3, 2015, our customer contacted [redacted] with concerns about a noise when backing the vehicle up. [redacted] referred our customer to an in-network repair facility to have the vehicle diagnosed. On July 6, 2015, an in-network repair facility filed a claim with [redacted] for the accessory drive-belt tensioner, lower ball joints, upper control arms, brake pads, rotors, and brake diagnosis. [redacted] approved all repairs and diagnostic fees in full under the terms of the DriveCare Limited Warranty. On July 10, 2015, DriveTime’s Customer Relations department contacted our customer in response to concerns she had voiced about non-covered repairs that were needed on the vehicle. We advised we would review an estimate for possible assistance, then contacted [redacted] and advised them to accept an upcoming claim for a broken grill and door. Later that day, our customer contacted [redacted] about the above-mentioned grill and door. [redacted] referred our customer to an in-network repair facility to have the vehicle diagnosed; however, no claim was ever filed with [redacted] in regard to this matter. On July 13, 2015, our customer contacted [redacted] with concerns about a tire issue, rust under the vehicle, and the steering wheel vibrating. [redacted] referred our customer to another in-network repair facility to have the vehicle diagnosed. That day, an in-network repair facility called a claim into [redacted] for the left-rear caliper. [redacted] approved all repairs and diagnostic fees in full under the terms of the DriveCare Limited Warranty. On July 20, 2015, our customer contacted [redacted] about a no-start issue with the vehicle. [redacted] encouraged our customer to have the vehicle towed to an in-network repair facility for further diagnosis. On July 22, 2015, an in-network repair facility filed a claim with [redacted] for the steering column and steering diagnosis. [redacted] approved all repairs and diagnostic fees in full under the terms of the DriveCare Limited Warranty. On July 23, 2015, we contacted our customer and attempted to address her concerns. At that time, our customer advised the vehicle was operating well. We advised our customer to contact [redacted] if any further mechanical concerns with the vehicle were to arise. Without any new information, we are still unable to accommodate our customer’s request for DriveTime to lower the price of the vehicle. However, if our customer is still experiencing issues with the vehicle, we encourage her to contact [redacted] at [redacted]. Once a claim has been filed, if any repairs are not covered under the terms of the DriveCare Limited Warranty, we will review potential options to assist. Likewise, we encourage our customer to contact our Customer Relations department with any further questions or concerns at ###-###-####.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

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.
While in Arizona it maybe legal but this is [redacted], on all payments any amount OVER the payment is to go directly to the PRINCIPAL balance. DriveTime has repeatedly failed to do so. Also, all INSTALLMENT companies fall under a different statute in [redacted] and fall under the PayDay Loan Law. They failed to advertise they are an installment company and have charged in EXCESS amount for a car that is NOT anywhere near the price of purchase. If they company would have complied with said laws and performed said maintenance as they claimed they do, I would have chose to not purchase a vehicle.  Pending civil litigation is in process if a resolution is not granted up to and including arbitration and criminal intent/fraud for the Installment agreement.  At this time [redacted] the person who responded has been repeated requested to direct a person of legal background or his superior, both of which he has denied to do so.  As is my right and the law I am representing myself, and his so called Legal dept would be required to respond to me, of which was denied by [redacted] for failing to properly follow directive and protocol.
Regards,
[redacted]

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On May 8, 2012, our customer entered into a simple interest retail installment contract when she purchased a 2002 GMC Envoy. The vehicle came with a 3 year/ 36,000 mile limited...

warranty. Included you will find the simple interest retail installment contract and the limited warranty agreement for your reference.
On October 9, 2013, a repair facility contacted us and recommended a starter repair. The repair facility informed us this is the second time the starter would be replaced. Our customer previously authorized and paid to replace the starter. The part was covered under the manufacturer warranty. The limited warranty covered the labor cost.
On July 18, 2014, a separate repair facility contacted us and recommended a starter repair. The started was approved under the limited warranty; however, our customer was responsible for a $250 co-pay. Later that day, our customer contacted us requesting we waive the $250 co-pay. We informed our customer the co-pay could not be waived due the amount of time and miles (7,424) driven since the last repair. Our customer informed us the mileage was incorrect. We confirmed with the repair facility that the mileage was correct.
On August 19, 2014, our customer contacted us requesting a reimbursement of $250 for the co-pay. She stated the starter had been replaced four times. Later that day, we reached out to the manufacturer to confirm the part was still under warranty. The part supplier representative informed us they would need the original part along with a copy of the purchase receipt.
On August 20, 2014, we contacted our customer and explained we are unable to obtain the original part or copy of receipt from the repair facility. We advised our customer we would be unable to refund her $250 co-pay.
On September 9, 2014, we spoke with our customer and came to an amicable resolution. As a one-time courtesy, we agreed to credit our customer’s account $125.
DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at [redacted].
Sincerely,
DriveTime
Customer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.   DriveTime strives to make each customer’s experience both rewarding and pleasant while ensuring that every customer is treated with the utmost respect. We have explored the...

timeline described in our customer’s complaint and apologize for his experience.   The following is our customer’s repair history with [redacted] and steps taken to address our customer’s repair concerns:   ·         On August 29, 2016, an in-network repair facility initiated a claim with [redacted] for an engine diagnostic fee, spark plug replacement, gas cap, O2 sensor, intake gasket, and tire pressure sensor. [redacted] approved these repairs under the terms of the DriveCare Limited Warranty. ·         Throughout the life of the loan, the vehicle underwent three engine replacements, two of which were approved by [redacted]. The other engine replacement was warrantied through the third party part supplier and the repair facility. Rental assistance was provided during each replacement.   Currently, the vehicle is in need of a transmission replacement.   On April 14, 2017, DriveTime contacted our customer and offered to place him into a different vehicle. The down payment and two bi-weekly payments would be transferred to the new loan, totaling $1,145.58. Our customer accepted our resolution and the call ended on amicable terms. Later that day, our customer was placed into a different vehicle.

I have spoken with Carlos S[redacted] from Drive Time, I have sent him via email a copy of the Carfax report on the mini Cooper showing that it had been in an accident prior to our purchase, I also emailed the Drivetime report that we received and were promised at time of purchase showing it had never...

been in an accident, I have not heard back yet..... I have also attached these as well as a copy of their incorrect response to you, the Revdex.com, stating "we bought a 2011 Dodge Journey"??? We have never purchased anything from them but this Mini Cooper. I also noticed it stating I am not the owner and a third party, I am the owners spouse..however if need be, You may reach Jon Chism @ [redacted] or [redacted] Sincerely, [redacted]

Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns.
On November 12, 2014, our customer informed us that her tags were ready for pick-up at the dealership. Our customer stated she would be taking her vehicle to a repair facility for diagnosis. Once on file, we will review the claim for possible assistance.
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

August 30, 2016   Re: Case#[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 February 20, 2014, our customer entered into a Simple Interest Retail Installment Contract...

with DriveTime when she purchased a 2012 Chrysler 200. The contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation. Attached you will find the Simple Interest Retail Installment Contract, for your reference.   DriveTime does not compete on price, nor do we hide it. We encourage our customers to research all aspects of their purchase prior to sale. We believe a large number of our customers review inventory online, including vehicle pricing, before coming to our dealerships. We also post the prices of our vehicles on our public website and on all vehicles at our dealerships.   At time of sale, our customer agreed to make 153 bi-weekly payments of $209.00 and one (1) final payment of $207.09 with an 15.829% Annual Percentage Rate.   On that same day, our customer had the opportunity to sign and review the following documents: Simple Interest Retail Installment ContractRetail Purchase AgreementWhat You Need To Know  Included you will find copies of the abovementioned documents for your reference. At the time of signing, DriveTime reviews each document with our customers and ensures they understand the information within. By signing these documents, they are asserting that they have read and fully understand the terms enclosed. We encourage our customers to thoroughly review all paperwork before signing the contract. In addition, we record all of our closings, and a centralized group typically reviews in excess of 1,000 closings each month to ensure adherence to our standards, including the disclosure of all terms and interest rate.Continued... (Full Version provided to the Revdex.com) Tell us why here...

May 31, 2016Revdex.com Ph. ###-###-####Fax ###-###-####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 December 8, 2015, our customer entered into a Closed End Lease...

Contract with DriveTime, when she leased a 2007 Chevrolet Impala. While DriveTime originated the Lease and is the Lessor, Bridgecrest Credit Company is the servicer for the Lease. The vehicle came with a Driver’s Seat Limited Warranty, administered by Aeverex. Included you will find the Closed End Motor Vehicle Lease Contract and Driver’s Seat Limited Warranty for your reference.On January 11, 2016, our customer contacted Aeverex to express concerns with the vehicle being inoperable. Aeverex encouraged her to have a diagnosis completed at an in- network repair facility.On February 8, 2016, our customer contacted Aeverex to express concerns for starter issues with the vehicle. Aeverex encouraged her to have a diagnosis completed at an in- network repair facility.On February 11, 2016, an in-network repair facility initiated a claim with Aeverex for a starter motor and electrical diagnostic fee. Aeverex approved these repairs under the Driver’s Seat Limited Warranty.On February 15, 2016, our customer contacted DriveTime to express concerns about the current electrical issues with the vehicle. She was inquiring about getting into another vehicle. We informed her that would not be an option. We advised her we would need to review any non-covered items/repairs before exploring the option of placing her into another vehicle.Later that day, an in-network repair facility contacted Aeverex to advise them that they had replaced the starter motor 3 times and the vehicle is still inoperable. The repair facility informed Aeverex the vehicle would need to go to the original equipment manufacturer (OEM) for another diagnosis. On February 22, 2016, the OEM initiated a claim with Aeverex for a fuse/junction box. Aeverex informed the OEM that this item is non-covered under the Driver’s Seat Limited Warranty.On February 25, 2016, our customer contacted DriveTime concerned about the non- covered repairs. We offered to request the estimate for the non-covered repairs, and review options of possible assistance.On February 26, 2016, the OEM updated the open claim with Aeverex for an electrical diagnostic fee. Aeverex informed them that our customer would be responsible for the diagnostic fee per the terms of the Driver’s Seat Limited Warranty.On February 29, 2016, we spoke to our customer and offered to cover the parts for the fuse/junction repair and she would be responsible for the labor portion of the repairs. Our customer accepted our offer and we sent our approval to Aeverex.On March 2, 2016, the OEM updated the open claim with Aeverex for battery cables. Aeverex informed the OEM these items are non-covered under the Driver’s Seat Limited Warranty and sent the updated estimate to DriveTime for further review.On March 9, 2016, we spoke with our customer and offered a 50/50 split for the battery cable replacements. Each party pays $192.67. Our customer accepted our offer and we sent our approval to Aeverex.On March 10, 2016, our customer contacted DriveTime inquiring about compensation while the vehicle was being repaired. We offered her a per diem credit of $12.10 a day for every day the vehicle was in a repair facility. The vehicle will need to be in the repair facility for at least 4 days and maximum of 14 days, we were open to review after confirming the dates with the repair facilities.On March 25, 2016, our customer contacted Aeverex inquiring about coverage for oil pan gasket. Aeverex informed her this item is non-covered under the Driver’s Seat Limited Warranty.On May 11, 2015, our customer contacted DriveTime and informed us that the vehicle was just released to her from the OEM. She advised us she does not want to be responsible for the payments while the vehicle was in different repair facilities for the past three months.On May 24, 2016, we spoke with our customer to offer them a credit of 1 1/2 payments towards her account, totaling $544.65, for the time the vehicle has been in the repair facilities.At this time, DriveTime is willing to take the vehicle back, waive the past due balance, and refund the down payment with any over mileage fees assessed. If the vehicle is inoperable and needs to be transported, we are willing to reimburse for the tow bill with paid receipts. We have not been able to reach our customer to discuss our offer. We will continue our efforts to reach an amicable resolution with our customer.We apologize for any confusion or inconvenience this matter may have caused. As a goodwill gesture, DriveTime is applying a $25.00 credit towards our customer’s payments.We thank Revdex.com’s Office for their continued support and for allowing DriveTime to address our customer’s concerns. If you have any questions, please contact us at ###-###-####.Sincerely, Carlos S.Customer 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

For full response, please see attached. Bridgecrest and DriveTime made several attempts to assist our customer beyond the contract terms including offers to pay for repairs, loan modifications, and payment options. Additionally, on multiple occasions, we advised our customer the mechanical condition of the vehicle is not related to the status of his loan and does not release him from the responsibility of making payments. Our customer informed us he would not make any further payments towards the loan and requested we recover the vehicle. This is a repossession and is reported as such. Our customer did not fulfill his contractual obligation; therefore, we are unable to satisfy his request to delete the trade line from our reporting to the credit bureaus.   As a gesture of goodwill, we would like to reiterate our prior offer of assistance. The past due balance is $1,757, however, we would accept a reduced amount of $1,379 to reinstate the loan and return the vehicle to our customer. Should our customer choose to take advantage of this offer, we encourage him to contact us at ([redacted]) [redacted] to discuss all reinstatement options. If we do not hear from our customer by August 25, 2017, we will proceed with the sale of the vehicle and he will be responsible for the remaining deficiency balance.