DriveTime

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]

(Please see attached for full response)On January 9, 2017, DriveTime was made aware that the previous seller was unable to provide a duplicate title due to a secret lien placed on the vehicle from a previous owner causing unforeseen delays.  On January 11, 2017, the authorized third party...

contacted DriveTime to discuss extending the direct bill rental. We explained the aforementioned information and offered to rescind the contract for this vehicle and place our customer into another vehicle. Should our customer accept our offer, the down payment of $1,000.00 would be transferred to the new account. Alternatively, DriveTime offered our customer the option to return the vehicle back to DriveTime and receive a refund of the down payment. The authorized third party advised they would contemplate the offer with our customer and follow-up. DriveTime extended the direct bill rental through January 13, 2017 and the call was ended on amicable terms. We apologize for any frustration or inconvenience this matter may have caused. We are unable to accommodate our customers request to apply a $1,000.00 credit to her current account. We will remain in contact with our customer until an amicable resolution is reached. As an additional gesture of goodwill, we have sent our customer a $25.00 [redacted] gift card. DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact our Customer Relations Department at [redacted] Thank you,  Jessica H. 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.
I read drivetimes response and I must disagree. They failed to mention that I did call to get their team at the dealership where I purchased the car the location of the car at the time it clonked out on me and I assumed the guy on the phone wrote it down and followed up on 7/8/14 when I made that call. It would have cost me 160$ for a tow truck, 100$ for the mechanic to look at it and diagnosed the problem which at that point I was already out of 75$ replacing coolant, 100$ changing two tires, and between that making car payments. sorry but reembursing me 75$ out of 260$ it would cost me to move and diagnose the car was not good business. they should say Mr. [redacted] we are sorry failed to provide you with a bad car. We at drive will give you your down payment in full for having to go through what you went through in 3 months of buying that car. I almost lost my life that day that car clonked out on the highway and I was lucky to be alive to write this complaint. my life is worth a lot more to me than 1000$ but its a good start to rectify the wrong that this company did to me and apparently so many others. My partner called the mechanic they wanted me to send my car to and the mechanic said that he gets 2 alternators a week from drivetime customers. sorry but that doesnt sound like good business.
Regards,
[redacted]

There are a variety of factors that affect the down payment required for the vehicle, whichmay include and are not limited to, the customer’s credit history, monthly income, price ofthe vehicle, and length of the loan. This is not a decision made by someone at ourdealerships; this is an automated process that includes a proprietary DriveTime credit scorefor each customer and takes into consideration DriveTime’s underwriting guidelines.For example, we have limits on the ratio of a customer’s loan payment to their monthlyincome (“PTI”). If a customer’s PTI is outside our guidelines, we will ask the customer toincrease their down payment so the loan payment is reduced and falls within our guidelines.This can happen when a customer selects a more expensive vehicle, which will increasethe loan payment unless the customer makes a bigger down payment. Or, it can happenwhen a customer wants to have a lower APR, which requires a higher down payment. Inan attempt to keep our customers APR the same in this case, we required a higher downpayment when re-contracting.We post the prices of our vehicles online and on all of our vehicles at our dealerships.Prices of the vehicles do not change.The increase in the down payment has nothing to do with the prior account. For ourcustomer’s prior account we offered to waive the past due balance, which we did.

April 28, 2015 Lyndsey MullensRevdex.comPh. ###-###-####Fax ###-###-####  Re: Complaint # [redacted] Dear Ms. Mullens, Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. 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’s approval process is subject to several factors: down payment, income level, proof of residence, etc. We encourage all our customers to thoroughly review all contract paperwork before signing the contract. On January 16, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2009 Mazda 6. Our customer opted to purchase a 5 year/50,000 mile Vehicle Service Contract, administered by [redacted]. At the time of sale, she signed an Optional Products Disclosure stating she understood the Vehicle Service Contract was optional at an additional price. Attached you will find the Simple Interest Retail Installment Contract, Vehicle Service Contract, and Optional Products Disclosure for your reference. On page one of the Customer Delivery Checklist under Important Reminder, it is stated:“Our focus of the multi-point inspection is primarily the safety and reliability of your vehicle…Please insure you are comfortable with the condition of the vehicle prior to purchasing.”At the time of sale, our customer signed and dated the Customer Delivery Checklist. Attached you will find this document for your review. On March 4, 2015, our customer contacted [redacted] regarding a no-start issue with the vehicle. [redacted] referred our customer to an in-network repair facility to have the vehicle diagnosed. On March 7, 2015, an in-network repair facility filed a claim with [redacted] for an engine replacement. All repairs and diagnostic fees were approved in full under the terms of the Vehicle Service Contract (VSC). Our customer was responsible for a $100 deductible, since she was outside the initial 30 day and 1,500 mile limited warranty. On April 7, 2015, our customer contacted [redacted] with concerns about transmission issues and the vehicle jerking while in operation. [redacted] referred our customer to an in-network repair facility to have the vehicle diagnosed, and as a goodwill gesture, they agreed to waive the deductible if the repairs were covered under the VSC. To date, no further claims have been filed with [redacted]. On April 21, 2015, we contacted the authorized third party on our customer’s account and addressed his concerns. We are currently working towards an amicable resolution. The authorized third party has agreed to take the vehicle to a repair facility for further diagnosis. Once a claim has been filed with [redacted], we will review options to assist with any non-covered repairs that may be needed. 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, [redacted]DriveTimeCustomer Relations

[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]1, 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, Drivetime has issued the refund thank you Revdex.com.
[redacted]

(Please see attached for full response.)On November 5, 2017, our customer did not make her scheduled payment. Between November 8 and November 14, 2017, we made multiple attempts to contact our customer and were unsuccessful. With no contact from our customer regarding the past due payment the...

vehicle was assigned for recovery and also retrieved on November 15, 2017.  In regard to the concern of any theft, we encourage her to reach out to the recovery agent directly to determine if they may still be in possession of any personal belongings. DriveTime takes these matters very seriously and has an internal team to investigate any allegations. DriveTime would require information regarding any missing items as well as details regarding the time and date of the event.   At this time, we are unable to fulfill the request to remove this account from our customer’s credit. We have reviewed the account and have found that the reporting is true and reflecting accurately.   We are currently reaching out to the authorized third party to address the concerns mentioned in the complaint submitted, and will continue in an attempt to reach an amicable resolution.

July 29, 2016   Revdex.com Ph. (602) 264-5299 Fax (602) 263-0997    Re: Complaint #11577966   To Who It May Concern:   Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.   On October 22,...

2015, our customer entered into a Simple Interest Retail Installment Contract when she purchased a 2008 Mercedes-Benz E Class. 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 also purchased GAP insurance, an extended Vehicle Service Contract, and SkyLink GPS service at the time of sale.   On July 7, 2016, our customer contacted Bridgecrest to advise that she was looking into refinancing her vehicle through a third party. Our customer had questions regarding her GAP insurance, Vehicle Service Contract, and GPS service, and if she would be refunded for those services after paying the vehicle off.   We advised that if the cancellations were processed after the payoff was received the refunds would be disbursed in check form. We further advised that we would be able to cancel her GPS service, and that her cancellation requests for the Gap insurance and the Vehicle Service Contract would have to be submitted to Aeverex, the third party provider of those services.FULL RESPONSE ATTACHED

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On April 10, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2011 Dodge Journey. At time of purchase, our...

customer also purchased a Limited Vehicle Service Contract administered by Aeverex.  Attached you will find the Simple Interest Retail Installment and Limited 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. All DriveTime vehicles come with a 30 day/1,500 mile limited warranty and the option to purchase a vehicle service contract.Our customer signed and reviewed a Customer Delivery Checklist. The Customer Delivery Checklist is provided to our customers to ensure they are comfortable with the condition of the vehicle prior to purchasing. We have included a copy of the Customer Delivery checklist for your reference. On June 20, 2015, our customer contacted Aeverex in regards to some hesitations she was experiencing with the vehicle. Aeverex referred our customer to an in-network repair facility to have the vehicle diagnosed. On June 22, 2015, our customer contacted DriveTime stating that she had concerns with the transmission and brakes on her vehicle. We advised to have the vehicle taken to an in-network repair facility to have adiagnostic performed. Once a claim in on file, DriveTime would be able to review for possible assistance. On June 29, 2015, our customer contacted Aeverex stating that the in-network repair facility she took the vehicle was unable to diagnose the vehicle. Aeverex provided our customer another in-network repair facility that would be able to diagnose the vehicle in her area. On July 11, 2015, our customer contacted Aeverex stating that she was experiencing concerns with the brakes of the vehicle. Aeverex advised her that this is a non-covered component under the Limited Vehicle ServiceContract. Our customer was informed that they would need approval for exception from DriveTime to cover these repairs once a claim was updated. On July 14, 2015, DriveTime received an updated estimate from Aeverex with our customer’s brake concerns. The repair facility advised that the brake pads and rotors need to be replaced to address the noise concern. At this time, DriveTime will not be making an exception to cover these repairs since these items are considered maintenance items and our customer has driven the vehicle 9,910 miles since purchase. As a good will gesture, DriveTime has applied a $50.00 credit to our customer’s principal balance for the diagnostic cost of the above claim.DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely,[redacted]DriveTime Customer Relations

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On July 19, 2014, our customer purchased a 2008 Chevrolet Impala from DriveTime that was mistakenly listed as a 2011 Chevrolet Impala on the Simple Interest Retail Contract...

that she signed. On August 8, 2014, our customer contacted DriveTime with concerns about her vehicle being listed as a 2011 instead of a 2008. We advised our customer to return to the dealership to re-contract into a loan with the correct information for her vehicle. Our customer was also given the option to transfer into a different vehicle if she so desired. On August 16, 2014, the contract was amended, and our customer entered into a second Simple Interest Retail Installment Contract with DriveTime for the same 2008 Chevrolet Impala, now correctly listed on all documentation. The principal balance on the new loan was lowered to reflect the correct price for our customer’s vehicle. Our customer also purchased a 5 year/50,000 mile Vehicle Service Contract administered by Aeverex. Attached you will find both the first and second Simple Interest Retail Installment Contracts and the Vehicle Service Contract for your reference. On August 19, 2014, our customer contacted DriveTime and advised that she was unhappy with the terms of the new contract. We advised her she was within the first five days of her loan, and per the terms of her contract, she had the option to utilize the Vehicle Return Program and return her vehicle.DriveTime offers a Vehicle Return Program, which 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 within five calendar days. Attached is the Retail Purchase Agreement for your review.On September 12, 2014, DriveTime credited our customer’s account one payment as a goodwill gesture, due to the issues at the time of sale. Our customer has not contacted DriveTime with any further complaints since that time. At the time of sale, our customer was provided with an [redacted] Vehicle History Report. The [redacted] Vehicle History Report may indicate a prior accident record, a rental or government vehicle, if the vehicle was registered in a storm area, and/or any theft records. If any of these items were applicable, they would be noted in the Vehicle Information section on the [redacted] History report. Per this report, our customer’s vehicle had not been in any reported accidents prior to purchase.On March 24, 2015, we pulled a new [redacted] Vehicle History Report for our customer’s vehicle. At this time, the report still reflects that the vehicle has not been in any reported accidents. The [redacted] Vehicle History Report is attached for your review.That same day, we contacted our customer and attempted to address her concerns. At this time, we are unable to accommodate our customer’s request to be compensated $5,175 for what she has paid into her loan thus far. Our customer stated she did not wish to speak to DriveTime further and advised she would continue to pursue this matter with the Revdex.com. If our customer is having any current mechanical issues with her vehicle, we encourage her to contact Aeverex at ###-###-####.We apologize for any inconvenience or confusion this matter may have caused. 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,DriveTimeCustomer Relations

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]

For full response, please see attached.  After our conversation with our customer on February 6, 2017, there was no further communication and no additional claims initiated with Aeverex. Additionally, our customer did not make any further payments on the vehicle.   On April 25,...

2017, at 122 days past due with no payment received since February 3, 2017, Bridgecrest exercised its contractual right to set the vehicle for recovery. The vehicle was reported as recovered on April 27, 2017.  At this time, we have determined we are accurately reporting our customer’s trade line to the credit bureaus and are unable to honor our customer’s request to have it deleted. On October 18, 2017, we were able to contact our customer to discuss the aforementioned events. However, our customer disputed this information and immediately ended the call before any resolution could be achieved. Should our customer wish to discuss this matter further, we invite her to contact us at her earliest convenience [redacted]

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.
On November 1, 2014, our customer entered into a Simple Interest Retail Installment Contract with DriveTime, when she purchased a 2005 Dodge Caravan. Included you will find the...

Simple Interest Retail Installment Contract agreement for your reference.
On November 17, 2014, we contacted our customer and came to an amicable resolution. During our conversation, we informed our customer we would exchange her into a comparable vehicle. DriveTime transferred our customer’s original down payment into the new vehicle and applied a credit of $158.35 towards her first payment.
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

October 23, 2015   Revdex.com Ph. (602) 264-5299 Fax (602) 263-0997    Re: Complaint # [redacted]   To Who It may Concern:   Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.   On August...

28, 2015, our customer entered into a Simple Interest Retail Installment Contract with DriveTime when she purchased a 2005 Lexus ES 330. Attached you will find the Simple Interest Retail Installment Contract for your reference.   At the time of purchase, our customer agreed to provide a down payment of $1000, in which she provided a personal check. At the time of sale, we informed our customer in the event that a customer’s personal check is returned due to insufficient funds, it is DriveTime’s policy to terminate the contract immediately and recover the vehicle.   On September 17, 2015, DriveTime received notification that the personal check provided by our customer for her initial down payment was returned due to insufficient funds. Between September 17 and September 24, DriveTime attempted to contact our customer and advise her of the status of her account.   On September 28, 2015, our customer’s first payment due on the loan returned due to insufficient funds. DriveTime continued efforts to contact our customer to inform her of the status of the account. We were unable to reach our customer at the contact numbers she provided just thirty days previously at the time of sale.  It has been our experience that NSF’s on down payments and first payments are indications not only of potential credit issues but potential fraud.     On October 5, 2015, DriveTime exercised our contractual right to place the customer’s vehicle out for recovery due to the status of her account. Please refer to page 3 of the Simple interest Retail Installment Contract under the section Default:   “You will be in default if any one of the following occurs (except as may be prohibited by law); 1. You fail to make any payment due under this Contract, including  any down payment, in full when such payment is due.;”   On the same day, DriveTime contacted our customer and advised her the vehicle would be recovered due to the personal check being returned as insufficient funds for her initial down payment. Our customer advised she wished to make payment arrangement on the account; however, DriveTime informed our customer that payment arrangements were not an option at this time. During our conversation with our customer, the call was disconnected.   On October 21, 2015, approximately two weeks later, we contacted our customer to address her concerns. We advised our customer that DriveTime would not be providing payment arrangements. We advised her, as previously stated, it is DriveTime’s policy to recover our customer’s vehicle in the event that a personal check is returned for an initial down payment. We also advised our customer DriveTime would not be reporting her repossession to any of the three major credit bureaus, as we would be deleting her trade lines, and she was not responsible for any deficiency under her contract or other obligations to DriveTime. We advised her she was welcome to reapply with DriveTime after a six-month period. During our conversation with our customer, the call was disconnected.   We apologize for any confusion or inconvenience this matter may have caused. At this time, DriveTime is unable to accommodate our customer’s request. Our customer did not provide a trade in and both her down payment and first payment were NSF.  Our customer never paid any funds to us in connection with the purchase and financing of her vehicle.  Our customer will be able to reapply to finance a vehicle with DriveTime in a six-month period. As a goodwill gesture, DriveTime has mailed a $25.00 [redacted] 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 [redacted].   Sincerely, Josh S. DriveTime Customer Relations

August 25, 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 May 12, 2016,...

our customer entered into a Simple Interest Retail Installment Contract with DriveTime when he purchased a 2014 Dodge Avenger. 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. During the contracting process on May 12, 2016, DriveTime required a proof of income from our customer to ensure income was sufficient to maintain loan payments. Our customer provided us with a Proof of Income letter from his employer showing a hire date of April 20, 2016. Under the terms of the Retail Installment Contract, we notify the customer that we may perform after sale verification of the information provided to us by the customer. On June 22, 2016, DriveTime contacted our customer’s employer as part of the verification process. The employer stated that our customer is not employed with them and has never been employed with their company. Additionally, they informed us that the manager who signed our customer’s Proof of Income letter is no longer employed with them. On or around June 23, 2016, DriveTime spoke with our customer to inform him of the after sale verification concerns. DriveTime instructed our customer to provide Proof of Income from the employer, such as a paycheck stub. DriveTime made clear to our customer that if he was unable to provide this documentation, then we would need the vehicle returned to the dealership. Our customer stated that he would not provide any additional documentation and also would not return the vehicle. On July 21, 2016, DriveTime recovered the vehicle. FULL RESPONSE ATTACHED

Thank you for bringing this matter to our attention. We appreciate the opportunity to re-address our customer’s concerns.
DriveTime’s approval process is subject to verification of employment. DriveTime has made attempts to contact our customer’s place of employment in an attempt to verify information. Per our customer’s request, DriveTime has ceased communication to our customer’s place of employment.
DriveTime’s loan advisors utilize a myriad of resources when attempting to assist our customers with bringing their account current. The purpose of keeping in contact with our customers who have become delinquent, is to prevent them from accruing additional interest, accruing late fees, and the recovery of the vehicle. DriveTime follows the parameters set forth by the [redacted] regarding when and how frequent such calls can be made. Per the account details, DriveTime has not attempted to contact our customer outside of the designated time frame parameter.
DriveTime does not typically send email correspondence to our customers other than to inform that we cannot discuss account information via email. We advised our customer of this communication policy and requested he contact our Customer Relations department in order to assist.
Per our customer’s request, we have put a full cease and desist on our customer’s account allowing for letters and emails only. Although all collection activity via telephone will permanently cease for the duration of the Contract, our customer is still responsible for any remaining payments over the duration of the Contract. Please refer to the Simple Interest Retail Installment Contract for additional consequences related to non-payment, up to and including repossession of vehicle.
DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at [redacted].
Thank you,
[redacted]
DriveTime
Customer Relations

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

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On January 31, 2015, our customer entered into a Closed End Motor Vehicle Lease Contract when he leased a 2005 Kia Sedona. Included you will find the Closed End Motor Vehicle Lease...

Contract for your reference. At the time of lease, our customer agreed to make 64 bi-weekly payments of $206.55, beginning February 20, 2015. Additionally, our customer agreed to make four side note bi-weekly payments of $100, beginning February 20, 2015. On March 18, 2015, a payment amount of $100 was reversed due to insufficient funds. On March 26, 2015, we informed our customer of the reversed payment of $100 on his account and stated that there is a zero day grace period with our lease accounts. Our customer informed us he would make the $100 payment on March 27, 2015. On April 1, 2015, the vehicle was recovered for default. Please refer to page 3 of the Cancel Anytime Lease, section 11 Default, Repossession, and Other Remedies. "You fail to pay any periodic payment when due or any other amount you owe under this Lease when we ask you for it… Take (repossess) the Vehicle wherever we find it and enter any property where the Vehicle may be to do so…" Later that day, our customer faxed in running bank statements as he states there was $100 available in his bank account. We informed our customer the insufficient funds reversal was correct and he would need to speak with his financial institution if there is further disputes. We informed our customer he will need to pay the past due amount of $100.55 and the repossession fee of $300 directly to DriveTime within 48 hours if he would like to redeem his vehicle. We also informed our customer an additional amount of $125 would be owed directly to the repossession agent. We have made several unsuccessful attempts to contact our customer to discuss his concerns. On April 14, 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 him. We encourage our customer to contact our Customer Relations department at ###-###-####, to discuss his concerns. At this time, we are unable to accommodate our customer’s request. DriveTime would be willing to waive the past due amount of $100.55 if our customer pays the repossession fee of $300 and the additional payment that has come due of $307.10. Our customer has until Monday, April 20, 2015 to redeem his vehicle. As a goodwill gesture, DriveTime has sent our customer a $25 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 ###-###-####. Sincerely, DriveTime Customer Relations

April 28, 2015 Lyndsey MullensRevdex.comPh. ###-###-####Fax ###-###-####  Re: Complaint # [redacted] Dear Ms. Mullens, Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On March 6,...

2015, our customer entered into a Cancel Anytime Lease Contract with DriveTime when he leased a 2006 Pontiac G6. The vehicle also came with a Life of Lease Warranty, administered through [redacted]. The Cancel Anytime Lease Contract and the Life of Lease Warranty Agreement are attached for your review. On March 9, 2015, our customer contacted [redacted] regarding issues with the CD player in the vehicle. [redacted] referred our customer to an in-network vehicle to have these issues diagnosed. On March 10, 2015, an in-network repair facility filed a claim with [redacted] for the radio, CD player, and electrical diagnosis fees. [redacted] approved these repairs and fees in full under the terms of the Life of Lease Warranty. On March 30, 2015, our customer contacted [redacted] regarding the rear of the vehicle shaking at high speeds. [redacted] made an exception to extend our customer’s initial 30 day/1,500 mile coverage by an additional 100 miles and advised our customer to take the vehicle to a repair facility for diagnosis. On April 1, 2015, an in-network repair facility filed a claim with [redacted] for a wheel replacement and suspension diagnosis. [redacted] approved these repairs in full under the terms of the Life of Lease Warranty. On April 13, 2015, our customer contacted [redacted] regarding a no-start issue with the vehicle. [redacted] referred our customer to an in-network repair facility to have the vehicle diagnosed and advised him that they would reimburse up to $100 for a tow if the repairs were covered under the Life of Lease Warranty. On April 14, 2015, an in-network repair facility filed a claim with [redacted] for the alternator/generator, water pump, coolant, battery, electrical diagnostic fees, and headlights. All the repairs were covered under the terms of the Life of Lease Warranty except for the battery and the headlights. Since our customer was outside the initial 30 days and 1,500 miles, he was responsible for a $100 in-network deductible, as outlined in the Life of Lease Warranty Agreement. That same day, [redacted] issued our customer a check for tow reimbursement. On April 15, 2015, DriveTime made an exception to approve our customer’s non-covered battery repairs through [redacted]. On April 17, 2015, [redacted] issued our customer an additional check for further tow reimbursement. At this time, [redacted] has reimbursed our customer a total of $100 for tow expenses. On April 20, 2015, our customer contacted [redacted] regarding the same issues as before. [redacted] encouraged our customer to take the vehicle back to the repair facility where the previous repairs had been done, as the work would be warrantied. On April 21, 2015, an in-network repair facility filed a claim with [redacted] for the starter motor. [redacted] approved these repairs in full under the terms of the Life of Lease Warranty; they also waived the deductible as an exception, due to our customer paying a deductible the week prior. All DriveTime vehicles are thoroughly inspected at our DriveTime inspection centers prior to sale. Parts that fail inspection are replaced. However, if a part is functioning at the time of inspection, there is no need to replace it. At the time of sale, our customer signed a Vehicle Delivery Checklist, which has been included for your reference. On this document under “Important Reminder,” it is stated:“Our focus of the multi-point inspection is primarily the safety and reliability of your vehicle…Please ensure you are comfortable with the condition of the vehicle prior to leasing.”On April 27, 2015, we contacted our customer and addressed his concerns. We discussed the above information and encouraged our customer to send his second tow receipt to [redacted] for further reimbursement up to an additional $100. We encouraged our customer to reach out to [redacted] at ###-###-#### if any further mechanical issues were to arise. We also offered our customer rental reimbursement of up to $25.99 a day or a per diem credit to his account if the vehicle needs to return to the shop for the same issues in the near future. At this time, we are unable to accommodate our customer’s request to place him in a different vehicle. As a goodwill gesture, DriveTime has applied a $25 credit toward our customer’s payments. 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]Customer RelationsDriveTime

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.We have attempted to contact our customer and have been unsuccessful. On October 3, 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 her. We encourage our customer to contact our Customer Relations department at ###-###-####, to discuss her concerns.DriveTime thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####.Sincerely,DriveTimeCustomer Relations