DriveTime

September 27, 2016   Revdex.com Ph. (602) 212-2232 Fax (602) 263-0997 RM 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 March 29, 2011, our...

customer entered into a Simple Interest Retail Installment Contract when she purchased a 2006 Mitsubishi Galant from DriveTime. Our customer is listed as the co-buyer on the loan: however, buyers and co-buyers have the same rights and responsibilities to the vehicle, and to the loan. Attached you will find a copy of the Contract for your review. The Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation.    Our customer raises two concerns in her complaint, the first being that her signature was forged by the buyer. DriveTime contracts are signed on our premises, with all parties present. When we spoke with our customer on September 27, 2016, she advised us that she has not filed a police report at this time. We invited her to contact our Customer Relations Department should she do so for further review.FULL RESPONSE ATTACHED

I reject the offer do to personal life change as I stated before I have a now 5month old son who I take care of on my own the most I want is for the car to be removed from my credit so I can shop with another company I will never shop with bridgcrest do to the lies I've been told and there never willing to work with there customers or

First off, I was told by your customer relations people the only inspection your vehicles go through are the state highway inspections that every driver must pass to get their vehicles registered. NO one goes under the hood or vehicle. Second, both Austin Automotive and a second auto shop I spoke to, [redacted] here in Marble Falls, both said the current issues are most definitely more than likely related to the issues I have had with this vehicle since the test drive the car. These issues WERE pre-existing and you are trying to push them on me so you do not have to take responsibilty for your gross negligence and bad business. This is not going to work. One way or another you are going to correct your wrong doing. I refuse to be held responsible for repairs that were not caused by driving.

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On December 27, 2013, our customer entered into a Simple Interest Retail Installment Contract when she purchased a 2009 Toyota Corolla. Attached you will find the Simple...

Interest Retail Installment Contract for your review. On March 6, 2015, our customer contacted our Customer Relations Department regarding DriveTime accounts being suppressed on the three major credit bureaus. DriveTime temporarily ceased credit reporting to all three major credit bureau agencies. The cease is due to required system enhancements as well as to comply with the Fair Credit Reporting Act. We have completed the necessary updates with Experian, and they have begun uploading our customers’ account information for public viewing. We anticipate the enhancements with the other two agencies to be completed no later than the end of April. We apologize for any confusion or inconvenience this may have caused. We understand the importance of building and maintaining a credit score. We also understand the importance of accurately reporting credit activity and that is why DriveTime has made the effort to complete these system enhancements. Reporting may not be immediately visible but completed updates should reflect on our customer’s credit report within 30-60 days. We have completed the necessary updates with Experian and they have begun uploading our customers’ account information for public viewing. We anticipate the enhancements with the other two agencies will be completed no later than the end of April. DriveTime will backdate our customer’s entire loan to the credit bureaus, reflecting her perfect pay history once enhancements are completed with all credit bureau agencies. As a goodwill gesture, DriveTime has applied $25 to our customer’s principal balance.DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, DriveTime Customer Relations

Dear Ms. [redacted], Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On July 22, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2004 Ford F150. Our customer purchased...

a 5 year/50,000 mile vehicle service contract, administrated by [redacted]. Attached you will find the Simple Interest Retail Installment Contract and Vehicle Service Contract for your reference. A timeline of our customer’s repair history is as follows:      On July 23, 2014, a repair facility contacted [redacted] and recommended throttle body, gauges/printed circuit/cluster, PCM/cluster re-flash, and battery repairs. [redacted] approved all of the recommended repairs and the diagnostic fee. On March 2, 2015, we contacted our customer to encourage him to have a diagnostic completed regarding electrical concerns. Once a claim is filed, we will be able to review for possible assistance. We are in contact with our customer and we are working towards an amicable resolution. To date, no new claims have been filed through [redacted]. We encourage our customer to have a diagnostic completed. As a goodwill gesture, DriveTime has applied a $25.00 credit to our customer’s principal balance. DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, DriveTime Customer Relations

April 6, 2016   Revdex.com Ph. (602) 264-5299 Fax (602) 263-0997    Re: Complaint # [redacted]   To Whom It May Concern,   Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On January 27, 2016,...

our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2010 Dodge Journey. Included with the purchase was a 30 day/1500 mile Limited Warranty. Attached you will find the Contract and Warranty for your review. On February 2, 2016, our customer contacted DriveTime with concerns regarding her windshield and tires. These items are considered non-covered items under the terms of the Warranty. Our representative advised our customer that we would be able to review an estimate to determine if any assistance were available, and that February 2, 2016, marked the last day of her 5 Day Vehicle Return Period. On February 3, 2016, our customer again spoke with DriveTime regarding concerns. Our representative advised that we would accept and review an estimate for the non-covered repairs from an in-network repair facility. That same day an in-network repair facility called in a claim for tires, front brake pads and rotors, alignment, tire pressure monitor sensor kit, and brake and transmission flushes. DriveTime made an exception to cover the tires, front brake pads and front rotors, and diagnostic fee. Our customer was responsible for the other items. On February 12, 2016, our customer contacted DriveTime to advise that their vehicle was hesitating and jerking, and that it was difficult to start. Our customer advised that she wanted to trade her vehicle in. Our representative advised that we were not able to offer that as an option at that time, and that should the customer return the vehicle at this point it would be considered a voluntary surrender.FULL RESPONSE IN ATTACHMENT

On February 16, 2016, our customer’s insurance representative contacted DriveTime. He advised the vehicle would be labeled as an unrecovered theft and the settlement amount of $10,686.47 would be paid to DriveTime. On February 22, we received the insurance payment and it was applied to our...

customer’s principal balance. On March 1, 2016, at 101 days past due, our customer’s loan charged off due to non-payment. All optional products, including the GAP coverage, were cancelled, and the pro-rated refunds were applied to our customer’s principal balance. On March 29, 2016, our customer contacted DriveTime with concerns that his account was reflecting as a charge-off on his credit reporting. He stated the vehicle had been stolen, and his GAP coverage had not paid the remaining balance owed. We advised the account was in a charge-off status because the GAP payment had not yet been received. On the same day, DriveTime determined that documentation required to complete the GAP payoff process was missing. On April 14, 2016, DriveTime spoke with our customer and advised the documentation reinstating the GAP coverage had been submitted. We informed him that once the GAP coverage was reinstated, his account would report as a paid loan. In addition, our customer’s account has been classified to no longer report negatively to his credit. On April 20, 2016, we contacted our customer and addressed his concerns. We advised the GAP benefit had been reinstated, and the remaining deficiency balance would be paid in full. We also advised the loan would no longer show as charged off and would now reflect as a paid loan. We advised that the credit reporting would be reinstated once the account showed as a paid loan. Our customer was satisfied with this resolution, and we ended our correspondence on amicable terms. Please see attachment for full response.

Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns.
On October 16, 2014, we contacted our customer to address her concerns. We advised our customer we need a claim on file to review for assistance. As a goodwill gesture, DriveTime offered to cover the first hour of diagnostic time at the original equipment manufacturer.
Without any new information, DriveTime is still unable to accommodate our customer’s request to void the contract.
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

[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 the time given for the business to perform this action and, if it does, will consider this complaint resolved. I appreciate the Revdex.com and Ms. [redacted] for the speedy resolution of this matter.
Regards,
[redacted]

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On January 9, 2016, our customer contacted the dealership, after researching the inventory on our website, to advise the specific vehicle she was interested in. Our customer advised...

she would go to the dealership on January 15, 2016, to purchase.In order for DriveTime to hold a vehicle, a potential customer would need to visit a local DriveTime dealership and place money towards the down payment. They would also be required to sign and acknowledge a vehicle reservation agreement. If no vehicle reservation is placed on a vehicle, the vehicle is available for sale to the first interested party.On January 11, 2016, our customer contacted the dealership to request information regading the vehicle of interest. Our customer advised she wanted to set up insurance for the vehicle. The dealership provided the information; however, encouraged our customer to wait, as the vehicle was not on hold. We advised of the vehicle reservation process. Our customer advised she could postdate a check but did not have the funds otherwise. We advised we are unable to accept personal checks and, without a vehicle reservation agreement, the vehicle would be available to other customers. Between January 11, 2016, and January 15, 2016, the specific vehicle our customer was interested in was sold to another consumer.On January 15, 2016, our customer entered into a Simple Interest Retail Installment Contract (Contract) when she purchased a 2009 Volkswagen Routan from DriveTime. The Contract was subsequently assigned to DT Acceptance Corporation, now known as Bridgecrest Acceptance Corporation. The vehicle came with a 30 day/1,500 mile DriveCare Limited Warranty, administered by Aeverex. Our customer also purchased an additional 5 year/50,000 mile Vehicle Service Contract, also administered by Aeverex. Attached are the Contract and Vehicle Service Contract for your reference.On January 21, 2016, our customer contacted DriveTime to request a manual for the vehicle. DriveTime advised our customer she could visit the original equipment manufacturers website to possibly download a copy. On January 25, 2016, our customer contacted Aeverex to advise the sliding door was hard to close. Aeverex advised to have the vehicle diagnosed. They explained the process for claims filed within the DriveCare Limited Warranty and provided the contact information to an in-network repair facility (INRF). No claim was filed.On February 1, 2016, our customer contacted Aeverex to advise the vehicle would not start. Aeverex advised our customer to take the vehicle to an INRF to be diagnosed and have a claim filed. Aeverex also provided the contact information to an INRF. No claim was filed.On March 10, 2016, our customer contacted Aeverex to express concerns with the door and advise the check engine light was on. Aeverex advised the process for claims filed within the Vehicle Service Contract and provided the information to an INRF to have the vehicle diagnosed. Per the Vehicle Service Contract terms, a $100.00 deductible is assessed for all covered repairs.On April 21, 2016, our customer contacted Aeverex to inquire about the status of her claim. Aeverex advised no claim had been filed by a repair facility. Aeverex reached out to the specific INRF the customer stated her vehicle was located to ensure they performed repairs on our customer’s vehicle make/model and were familiar with the claims process. The repair facility confirmed they worked on this type of vehicle and understood the claims process. Aeverex advised our customer of the conversation. Our customer advised she would make an appointment.On May 5, 2016, an INRF contacted Aeverex to advise the EGR valve needed replaced. Aeverex did not authorize the repair, as it is non-covered under the terms of the Vehicle Service Contract.

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 spoke with a Drivetime representative and she was not able to answer my questions regarding how could my payment be 180 if my payment was 203 and what happened to my 23 dollars if what I owed was less than my payment amount. The representative also state that she did not have time to listen to all the calls that were made because it would take too much time. I asked several times for an explanation on how could you owe less than what your payment is and what happened to my money. There were several times that I paid more than my 203 payment and what happened to that money. I never got an explanation. I told the rep that I didn't think she did a thourough investigation regarding my concerns and she stated it would be handled internally and I said that wasn't fair to me as a customer if she didn't listen to all the calls and look over the notes and not just go off records because that doesn't tell the whole story. There are more call than just Jan and Feb that should give a more insight as to what I'm talking about instead of just going off of some records because I was never informed and nothing was explained to me and still hasn't been explained to me as to how did they get to the amounts they are stating are owed. The rep should have listened to all calls and how is it fair as a customer if all calls are recorded and they can't find a call that happened 5 or 6 months ago. There are more recent calls where I have stated this same information and I have tried to get explanations and I have gotten nothing. It is simple math because if my payment is 203 and someone tells me I owe 180 and doesn't tell me I'm behind or I missed a week I'm going to assume that I'm ahead in my payments. I think Drive time should have handled this in a different manner and tried to resolve this by doing a complete investigation before calling me about the complaint and trying to address my issue. She was stating something about a text message when I had referenced an email. I'm the one who referenced the calls and asked did she listen to them and she stated no and that she would call me back and I have not recieved a call. In reference to the call where she says the call was disconnected if she listens to that call I stated to the rep as I made my payment the my phone battery was about to die and that I would call back but I will make the payment before it does. The rep is stating something that is not true and to my that makes me question her ethics and moral values. I don't think me or my husbands credit should be damaged due to misinformation and still not having an explanation as to how they got the amount of 180 and not 203 and where did 23 dollars go to. I can only get a fair and honest answer if all calls are listened to and all records are looked at. I truly believe this investigation is incomplete and not fairly done. I would hope that although I am only one person that I am considered a valued customer and that as a business Drivetime would value that and look into this matter and treat me fairly as a customer although I am only one person. If the reps at Drivetime have done their jobs they have documented what I have said and they will be able to locate these calls and see that I was never informed and that I have always asked for an explanation of my account and that I did not agree. Before the rep states incorrect information about a dropped call maybe she should listen to the call or look at the records and see how the call was dropped instead of trying to make a customer look bad. I honestly think this rep did not do a fair job in investigating my complaint or coming to a fair resolution. I am not looking for a handout but rather a fair and reasonable explanation. 1+1 = 2. 3-1=2 which is basic math and 203 equals 203 and not 180 and there is no explanation of that. I thought I was ahead in my payments and have stated that for months. The calls for the last months should still be available and will prove that what I say is correct. I am not asking for a handout but fair and just treatment. I don't think my credit or my husbands should take a negative impact if I was misinformed. My other concern is that my payment is due every 2 weeks and I started paying 100 dollars every week so how can my account be 30 plus days behind if for example I owe 300 dollars and I am 21 days behind and I make a payment of 100 dollars doesn't that make me 14 days since I made basically what would be owed in one week? I would like a honest and fair resolution and that's all I have asked for from the beginning. I am not looking for a handout but I would like drivetime to consider me a valued customer as I consider them a valued business. If I was eligible for a deferment or anything on my account why wasn't I told this but rather my account didn't qualify for anything when I asked about a due date change? If a deferrment was an option I should have been offered that so that my account wouldn't go over 31 days late if what the rep states is true. I honestly believe that I am correct and if all all calls are listened to and not just the ones that happened to not be avaliable anymore. I enjoy doing business with Drivetime and have asked reps when would I be eligible to get an additional vehicle from them because I think they are a good company to do business with. I am looking forward to a resolution to this matter and one that is fair and honest because I believe Drivetime stands for honesty and they have integrity as a company. It is a Drivetime discretion whether or not to damage a clients credit and if I did something to deserve that I would hold my head up high and except that but I honestly don't think that I have and if I was at risk of being 32 days late why didn't the rep state this too me when I spoke to her on the phone? That has been my complaint and issue and that is integrity and honor and when those two things are missing then also the right to do what's honest and fair.Regards,[redacted]

[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 October 2, 2012, our customer entered into a...

Simple Interest Retail Installment Contract with [redacted] when he purchased a 2006 [redacted] 300 for a total sale price of $15,537.86. The "Simple Interest Retail Installment Contract" and "What You Need to Know about Financing a Vehicle with [redacted]" were given to our customer at the time of sale to explain the finance charge and simple interest and are attached for your review. On page one of "What You Need to Know about Financing a Vehicle with [redacted]", simple interest is explained as follows: "Your contract is a ‘simple interest’ contract. That means a "finance charge" (interest) is charged each day on the amount you financed with us. When you make a payment, your payment pays interest and then it pays/reduces the amount financed. If you pay late, your contract continues to accrue interest. When you make your payment late, more of your payment has to go to pay the extra interest. This means less of your payment goes to pay/reduce the amount financed and it can take longer to pay off your contract with us. We strongly encourage you to make your payments on time." [redacted]’s  customers are given a copy of their Retail Installment Contract after purchasing a vehicle. On the first page of the contract, as required by the [redacted], "boxes" highlight and itemize the annual percentage rate, finance charge, amount financed, total of payments, total sale price and a payment schedule. The payment schedule states our customers agreed to make 68 monthly payments of $420.76 beginning November 6, 2012, and 1 final payment of $419.30. On October 15, 2014, [redacted] exercised their contractual right to secure the vehicle, since the account was 131 days past due. Please refer to the "Simple Interest Retail Installment Contract," section labeled "Default": "You will be in default if you do not make any payment in full when such payment is due...Additionally, we may take back (repossess) the vehicle" A customer would retrieve any personal belongings in the vehicle at the time of recovery from the recovery agency. Typically, a customer would have 30 days to claim personal belongings, and a fee may be required from the agency to obtain them. On October 21, 2014, our customer’s account charged off at 137 days past due which would be the last day interest was accumulated. On December 24, 2014, we spoke to our customer and provided him with the following payoff: Principal Balance: $10,093.15 Interest: $1,141.81 Current Late Fees: $15.00 . Total: $11,249.96 We explained to our customer that the interest owed is the interest that was accumulated prior to the account charging off. We explained simple interest and how paying late would affect the amount of interest that accumulated. Attached you will find an in-depth example from the My[redacted] FAQ section explaining simple interest calculation and how the timing of payments affects the balance. At this time, we are unable to accommodate our customer’s request to remove the loan from his credit reporting. Per our customer’s request, we have attached a copy of his transaction history. We have offered our customer the opportunity to settle the remaining balance; however, our customer advised he was seeking legal counsel. As a goodwill gesture, [redacted] has mailed our customer a $25.00 [redacted] gift card. [redacted] 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] Customer Relations

January 7, 2016   Revdex.com   Re: Complaint # [redacted]   Dear Ms. [redacted],   On May 16, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2009 Chrysler 300. At time of sale, our customer also purchase a...

Vehicle Service Contract administered by Aeverex.  Attached you will find the Simple Interest Retail Installment Contract and Vehicle Service Contract for your reference.   On May 21, 2015, our customer contacted Aeverex to address concerns with the TMPS light. Aeverex referred our customer to an in-network repair facility to have a diagnosis completed on the vehicle.    On August 8, 2015, our customer contacted Aeverex and again expressed concerns with the TMPS light. Our customer stated he took the vehicle into an in-network repair facility but they did not call in the claim since it was a non-covered item under the Vehicle Service Contract. Aeverex advised our customer to have the repair facility file a claim with Aeverex so we could review for additional assistance.   On September 2, 2015, our customer contacted Aeverex and advised the TMPS light was on. Aeverex referred our customer to an in-network repair facility to have a diagnostic completed on the vehicle.   On December 31, 2015, DriveTime made a one-time exception to cover the cost of the TMPS for a total of $124.76.   On January 4, 2016, we contacted our customer and came to an amicable resolution by applying a credit to our customer’s account of $50.00 for the diagnosis fee that he paid for out-of-pocket.   As an additional good-will gesture, DriveTime has applied a $25 credit towards our customer’s principal balance.   We apologize for any inconvenience or confusion this matter may have caused. Should you have any questions or concerns, please contact us by calling us at [redacted]. Sincerely, DriveTime Customer Relations

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. Our customer elected to purchase a 3 year/36,000 mile vehicle service contract, administered by [redacted]. Included 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 September 15, 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.
DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at [redacted].
Sincerely,
DriveTime
Customer Relations

July 24, 2014 [redacted] Revdex.com [redacted]
[redacted] Re: Complaint #[redacted] Dear [redacted] Thank you for bringing this matter to our attention. We appreciate the opportunity to address our potential customers’ concerns. At this time, we are...

unable to locate any information connected to our potential customer. We encourage our potential customer to contact us at the phone number below or provide the Revdex.com with the phone number he received a text message from, in order for DriveTime to remove it from our system. As a goodwill gesture, DriveTime has mailed a $25.00 American Express gift card. 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

CONCERN: Our customer stated she has been having mechanical concerns with the vehicle since time of purchase Our customer stated that the motor in the vehicle has gone out and the alternator has gone out twice, and the driver’s seat is loose and squeaky Our customer stated [redacted] will not assist...

with fixing the driver’s seat Our customer stated  that the transmission went out DESIRED RESOLUTION: Our customer would like to be placed into a different vehicle Our customer would like to return the vehicle and be refunded for her trade-in vehicle OUTCOME: $25.00 credit to our customer’s principal balance 5 days of a direct bill rental vehicle as all repairs currently needed have been approved through [redacted], with the exception of the Catalytic converter and rotors.

January 11, 2016 Jasmine [redacted] Revdex.com Ph. ###-###-#### Fax ###-###-####  Re: Complaint # [redacted] Ms. [redacted], Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns. Without any new information, DriveTime is unable to further assist our customer. DriveTime has made multiple attempts to contact our customer in order to come to an amicable resolution. We encourage our customer to contact our customer relations department at ###-###-####. We apologize for any confusion or inconvenience may have caused. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, Justin M. DriveTime Customer Relations Department

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On March 17, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2010 Ford Mustang. Attached you will find the...

Simple Interest Retail Installment for your reference.All DriveTime vehicles are thoroughly inspected prior to sale at our DriveTime inspection centers. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, there is no need to replace it.DriveTime does not compete on price, nor do we hide it. DriveTime’s vehicle pricing is subject to several factors.  We encourage our customers to research all aspects of their purchase. Our customer had the opportunity to sign and review all documents. DriveTime’s vehicle pricing is subject to several factors. Included in the total amount financed are the following benefits:3 year/36,000 mile vehicle service contractGPS device providing anti-theft servicesGAP coverage in case of a total lossAt the time of sale, our customer signed and dated the attached Customer Delivery Checklist. Page one of the Customer Delivery Checklist under Important Reminder, states:“Our focus of the multi-point inspection is primarily the safety and reliability of your vehicle. While the interior, exterior, and paint condition of this vehicle meet DriveTime standards, any pre-owed vehicle may have minor cosmetic issues. We do not make cosmetic repairs. We also do not repair after sale damage such as body, tire, glass, or road hazard damage. Please insure you are comfortable with the condition of the vehicle prior to purchasing.”At the time of sale, our customer was provided an [redacted] Vehicle History Report. The attached [redacted] Vehicle History Report may indicate a prior accident record, a rental or government vehicle, registered in a storm area, and/or a theft record. If any of the items were applicable, these items would be noted in the Vehicle Information section on the [redacted] History report. Our customer signed and acknowledged the vehicle had been in no accidents prior to purchase.At the time of sale, our customer signed and reviewed the attached What You Need to Know about Financing a Vehicle with DriveTime. On page one under subtitle Vehicle Inspection, it states: “You are purchasing a used vehicle which may have had paint or body work we didn’t perform and are not aware of. You had an opportunity to inspect you vehicle and are satisfied with it.” On April 3, 2015, we received the attached estimate from our customer to fix cosmetic issues on the vehicle for a total of $1,873.18.On April 6, 2015, we spoke to our customer and informed him that DriveTime would not be covering the cosmetic work to repaint the hood of the vehicle. We offered our customer the option to exchange vehicles. Our customer declined our offer and advised he would be obtaining an attorney.At this time, we are still offering our customer the option to exchange vehicles. We encourage our customer to contact us, if he chooses to take advantage of this offer. This offer is good until April 30, 2015.As a goodwill gesture, DriveTime has applied a $25.00 credit to our customer’s principal balance. DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely,DriveTimeCustomer Relations

November 11, 2015RevDex.comPh.
(602) 264-5299Fax
(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 February 27, 2014, our
customer entered...

into a Simple Interest Retail Installment Contract with
DriveTime when she purchased a 2006 Toyota Corolla. Our customer purchased a 3
year/36,000 mile Vehicle Service Contract, administrated by Aeverex. Attached
you will find the Simple Interest Retail Installment and Vehicle Service
Contract for your reference. At the time of
sale, our customer agreed to make 145 bi-weekly payments of $189.41 and 1 final
payment of $187.62, beginning March 22, 2014.With bi-weekly
payments, our customer will make a total of 26 payments per calendar year. At
the rate of $189.41 per bi-weekly payments, our customer will be required to
pay $4,924.66 to remain current. This equates to a monthly equivalent payment
of $410.00, as is currently reporting to the credit bureaus. When our
customer’s account fall into a delinquent status, DriveTime will make regular
attempts to contact our customer to cure the delinquency balance. Our customers
are able to set payments arrangements with a loan advisor to temporarily cease
the outbound calls. If these agreements are broken, DriveTime will continue to
contact our customer’s to cure the delinquency balance. During the
life of our customer’s loan, she has spoken with DriveTime loan advisors
multiple times to establish payment arrangements. When these arrangements are
made and kept, we have ceased collections efforts. DriveTime has
made several attempts to contact our customer to address her concerns. We
encourage our customer to contact our Customer Relations department at
[redacted] if she has any additional concerns. As a goodwill gesture, DriveTime has applied a $25.00 credit
to our customer’s principal balance. DriveTime
thanks the Revdex.com for their ongoing support. Should you have
any questions or concerns, please contact us by calling us at [redacted]. Sincerely, Justin M.DriveTime Customer
Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customers’ concerns. On June 7, 2014, our customer entered into a Simple Interest Retail Installment contract when they purchased a 2012 Chrysler 200. Attached you will find the ‘Simple Interest...

Retail Installment’ contract for your reference.On July 12th, 2014, DriveTime received a payment of $219.76. On July 16th, 2014, our customer put a stop payment on this payment. On August 14th, 2014, DriveTime elected to recover our collateral.On September 5, 2014, we contacted our customer and came to an amicable resolution. DriveTime is unable to accommodate our customer’s request to return money paid into the loan, however DriveTime agrees to not report adversely on our customer’s credit.   As a goodwill gesture, DriveTime has mailed a $25.00 American Express gift card to our customer. DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####.Sincerely,DriveTimeCustomer Relations