DriveTime CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/17/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 21216	Web
Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and affiant, I am a federally protected consumer in fact, holder in due course, attorney, for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph for my given name, as the agent and administrator in fact. Notice, it is a fact, DriveTime means, DriveTime XXXX XXXX XXXX XXXX XXXX DriveTime, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and their successors XXXX and assigns to address the subject matter in the affidavit herein as shown in Exhibit ( 1 ). Notice, it is fact, unless DriveTime can provide a policy or state law which shows that the aforementioned policy or state law supersedes federal law, I hereby invoke the law of presumption and invoke federal law in to address the subject matter in the affidavit herein. Notice, it is a fact, I, the affiant, am a consumer and a natural person in accordance with 15 U.S.Code1692a ( 3 ). See Exhibit ( XXXX ) Notice, it is a fact, affiant is aware, in accordance with the term consumer in subsection 1602 ( i ), pursuant to 15 U.S.Code1602 ( i ) a consumer in reference to a credit transaction is the party whom the credit is extended from is a natural person and the subject of a consumer credit transaction is primarily for personal, family, or household purposes. See Exhibit ( 3 ) Notice, it is a fact, affiant is aware, a person as defined by the Truth in Lending Act as a natural person or an organization, and an organization can be a corporation as defined under the Truth in Lending Act, 15 U.S.Code1602 ( e ). See Exhibit ( # 4 ) Notice, it is a fact, affiant is aware, DriveTime XXXX XXXX XXXX XXXX XXXX DriveTime, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX falls under both definitions of seller and creditor as evidence in See Exhibit ( # 5 ) and subsections 16 CFR 433.1 ( j ) and 16 CFR 433.1 ( c ). Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that DriveTime is a debt collector by legal definition. Pursuant to 15 U.S.Code1692 ( a ) ( XXXX ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails ( including electronic mail ), in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( # XXXX ) Notice, it is a fact, affiant is aware and have proof in See Exhibit ( # XXXX ) of DriveTime as a debt collector, has not conveyed the XXXX as exactly required under FDCPA and thus a violation of 15 U.S.Code1692e ( 11 ). Notice, it is a fact, affiant is aware and has proof in See Exhibit ( # 8 ) of DriveTime being in violation of 15 U.S.Code1692f ( 8 ) as there can be no symbols on the outside or inside the mails in the attempt of collection of any debt. Notice, it is a fact that, I, agent for principal XXXX XXXX XXXX and affiant, have reason to believe and do so believes DRIVETIME is a debt collector as described in 15U.S.Code1692a ( 6 ) which includes any creditor who, in the process of collecting his own debts, using any name other than his own, as shown in See Exhibit ( # 9 ) which would indicate a third person is collecting or attempting to collect such debts by way of buying, selling, or moving products, services or money across state borders or using interstate commerce or the mails ( including electronic mail ) in any business the principal purpose of which the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notice, it is a fact, in accordance with 15 U.S.Code1692c ( d ), I, the affiant, federally protected consumer in fact, is invoking their administrator and executor status over this matter and is the age of majority. It is also a fact DriveTime is a corporation and is always considered a minor. Corporations who are considered minors have no legal standing or jurisdiction. Notice, it is a fact, In connection with any sale to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433,2 ( a ) otherwise this contract would be an unfair or deceptive act or form. In connection to this provision, I am invoking my right as the debtor to assert all claims and defenses against DriveTime In connection with this transaction and or negotiable instrument and any other possible derivatives in order to recover any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both instrument and the property. See Exhibit ( # 10 ) Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, DriveTime and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication form DriveTime is a violation of 15 U.S.Code1692c ( a ) without court order brought forth. See Exhibit ( # 11 ) Notice, it is a fact, affiant is aware and has proof in See Exhibit ( # 12 ) of false and inaccurate credit information reported and it is a violation of 15 U.S.Code1692e ( XXXX ). Notice, affiant is aware the debt collector DriveTime can not communicate with anyone other than the consumer, the natural person in connection with 15 U.S.Code1692a ( 3 ) or an attorney or consumer reporting agency as permitted by law. However the debt collector has communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code1692c ( b ). See Exhibit ( # XXXX ) Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and affiant, has reason to believe and do so believes, without all requested documents in the affidavit herein there can be no proof of claim by DriveTime and DriveTime would be liable for creating a false and deceptive form under 15 U.S.Code1692j. See Exhibit ( # 14 ) Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and affiant, has received a statement including the subject matter of consumer credit transaction and an attempt to collect an alleged debt for the Account number ending in { XXXX }. See Exhibit ( # 15 ) Notice, it is a fact that, I, agent for principal XXXX XXXX XXXX and affiant, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice, it is a fact, pursuant to 15 U.S.Code1692a ( 5 ), a debt is any obligation or alleged obligation. See Exhibit ( # 16 ) Notice, it is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code1692e ( 2 ) ( A ). affiant has proof of this violation as DriveTime allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in See Exhibit ( # XXXX ) Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ). See Exhibit ( # 18 ) Notice, it is a fact, affiant is aware, she is a consumer, a natural person who seeks and acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). See Exhibit ( # 19 ) Notice, it is a fact, affiant is aware, DriveTime has engaged in an business arrangement through contract to finance a good or services, and in the case of this consumer credit transaction the property I own, XXXX XXXX XXXX XXXX, which is used for personal, household, and family purposes. See Exhibit ( # 20 ) Notice, it is a fact, affiant is aware, I the affiant took part in a credit sale, as a result of a consumer credit transaction I entered with DriveTime on XX/XX/XXXX which credit was extended, financing the sale amount of {$33000.00} as it relates to both the Truth in Lending Act and Regulation Z, so be it. See Exhibit ( # 21 ) Notice, it is a fact that, I, agent for principal XXXX XXXX XXXX and affiant, have reason to believe and do so believes, this contract as shown in Exhibit ( # 20 ), pursuant to 16 CFR 433.1 ( f ), was intended to be an written agreement with full willful disclosure as required in the Truth in Lending Act in order for I the affiant, to be able to properly contemplate and concerted and or cooperative activity between I, and DriveTime. Upon discovery, I have reason to believe and do so believe I did not receive such disclosure, as to be shown in the Affidavit of Truth/Notice of Cease and Desist herein. Notice, it is a fact, affiant is aware, as shown in Exhibit # 22A, this contract is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) Exhibit # 22 an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I the affiant has reason to believe and do so believes this instrument constitutes as payment under the Negotiable Instruments Act and has fully paid for this transaction on the date of consummation. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, and affiant is aware, of the security interest clause which states The security interest secures payment of all amounts you owe in this Contract and performance of your other agreements in this Contract. See Exhibit # 23 this part was not conspicuously and clearly explained to me. If this secures all payments, what am I the affiant paying for exactly? This was not conspicuously and clearly explained to me. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, and affiant, has reason to believe and do so believes, in accordance with 15 U.S.Code1605 my finance charge should have included insurance for both life, accident, health insurance, loss, damage and against liability arising out of ownership or use, of property as the finance charge is the sum of all charges. See Exhibit # 24. Upon discovery, affiant has been made aware that no insurance was included with the finance charge. This is a violation of XXXX U.S.Code1605. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and affiant upon discovery has been made aware a finance charge is the sum of all charges and does not include charges of a type payable in a comparable cash transaction. You can not have a finance charge and cash within the same transaction. See Exhibit # XXXX. I, the affiant, was told to make under stress, distress, and coercion was made to pay and illegal down payment in connection with this transaction in the amount of {$2000.00}, shown in See Exhibit # XXXX, as this was required to close a transaction needed for household purposes as transportation for work and to provide for my family. Notice, it is a fact, affiant is aware, in accordance with 15 U.S.Code1662 ( 2 ) See Exhibit # 27 it is illegal to require a down payment in conjunction with any extension of consumer credit unless the down payment is in specific amount for every transaction. I the affiant have reason to believe and do so believe, the down payment amount was unique to my transaction and therefor illegal to require as part of transaction and thus should be remitted by DriveTime if it was paid or not required by DriveTime to avoid violation of 15 U.S.Code1662 ( 2 ) and be liable to double the finance charge under 15 U.S.Code1640 ( a ) ( 2 ) ( A ) ( i ).. See Exhibit # 28b. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and affiant, allege I have invested into this company using my qualified endorsement month after month while the statement account and IMF book credits recorded on your book ledger on your single or double bookkeeping.. See Exhibit # 29 Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and affiant, alleges that I do not owe a debt and in fact believe there has been a surplus of monies made associated with account ending in account number ( XXXX ). I have reason to believe and do so believe DriveTime was credited from my principal obligor trust account and money has been credited to the bank has been to make investments in favor of DriveTime using this account ending in ( XXXX ). If this assumption is true, I demand the redirection of all prior payment into the name of the consumer on the original transaction, as I am not or have ever been aware of the trading, monetizing, and hypothecation of my consumer information may have and may still be occurring ; and, so be it, and I demand compensation a XXXX point XXXX centum on all monies gained associated with this account as this transaction has not been equitable to me, if my assumption that I truly funded and credited this account has been true and monies have been made in my principal obligors name. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, and affiant, alleges if there has been a surplus amount made with account ending in ( XXXX ) this amount should have been reported to the IRS for tax purposes. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, and affiant is aware, I did not receive and right of rescission paperwork in connection with this consumer credit transaction. This is a consumer credit transaction in accordance with your notice on page 2 within this contract.. See Exhibit # 30. I did not receive full disclosure of my right to rescission in accordance with 15 U.S.Code1635. See Exhibit # XXXX Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, and affiant is aware, the right to rescission pursuant to 15 U.S.Code1635 in this consumer credit transaction is a result of an open end consumer credit plan in which a security interest arose by operation of law, which this contract created and this statute does not apply solely to principal dwellings as described in 15 U.S.Code1635 ( a ) as it includes any consumer credit transaction which has a security interest by operation of law. See Exhibit # XXXX Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and affiant is aware, the right to rescission pursuant to 15 U.S.Code1635 must be included with every consumer credit transaction and without this notice this contract is a false and deceptive form and a violation of 15 U.S.Code1692 ( j ). See Exhibit # 32 Notice, it is a fact, this threat of repossessions, that I, the affiant has proof of in See Exhibit # 33A & Exhibit # 33B is a violation of 15 U.S.Code1692e ( 4 ) Exhibit # 33C and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution. Notice, it is a fact, affiant is aware DriveTime has no present right to possession of the property claimed as collateral through and enforceable security interest as I, the affiant have no liens against me and property is exempt by law from such dispossession or disablement due to my 4th amendment rights. DriveTime threat to seize or take any of the affiants property as shown in Exhibit # 33A & Exhibit # 33B is a direct violation of 15 U.S.Code1692f ( 6 ). Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that DriveTime must prove that they are the rightful holder in due course in order to threaten repossession. Exhibit # 20 the rights to any claims to collect and debts or take any property peacefully belongs to the holder in due course. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, and affiant is aware, the taking of property when there is no right to possession of the property claimed as collateral through an enforceable security interest is grand theft under 18 U.S.Code641. Exhibit # 34 Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that DriveTime is in violation of XXXX U.S.Code1611 ( 3 ). Whoever willfully and knowingly gives false or inaccurate information or fails to comply with any requirement imposed under this subchapter shall be fined {$5000.00} or imprisoned for up to a year, See Exhibit # 35 Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and affiant, I do not authorize or consent to any retaliation or discrimination towards me while I am exercising my rights in good faith pursuant to 15 U.S.Code1691 ( a ) ( 3 ). Such act will serve as proof DriveTime acted without ordinary care, good faith and has indeed performed illegal activity in evidence subject to this matter. See Exhibit # 36 Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, and affiant is aware, in accordance with 15 U.S.Code1692g ( c ) there has been no admittance to liability and any failure by I, the affiant to dispute the debt can not be used as evidence as verification or validation of an alleged debt being owed. See Exhibit # 37 Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and you agree to fault judgement in the favor of interest of I the federally protected consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit stands a truth in commerce. Security Agreement This is a claim and demand for DEBT VALIDATION, pursuant to the FDCPA. You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation be way of unrebutted affidavit, failure to disclose requested documents, or failure to respond in the allotted time, and the failure to respond to the particular requests to rectify and fault by DriveTime, herein, will serve as acquiescence and your agreement to a security interest up to one per centum of your company for the dishonor in the negotiable agreement, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my means of travel and property, harassment and the stress and mental anguish caused to me due to this situation and for the attempt of exercising my rights in good faith to rectify this situation. However I do in good faith expect you to handle these matters with ordinary care to address subject matter. Thank you. This copy of my notarized Affidavit was sent to the CEO of DriveTime XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Registered/Certifed Mail numbers XXXX on XXXX XXXX
09/18/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 35805	Web
. In XXXX XXXX statement- The statement is made that the car was repossessed because the payments were XXXX days past due as of XXXX XXXX, XXXX, how can I be XXXX days behind {$340.00} -Confirmation # XXXX paid through the XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX # XXXX paid through the XXXX XXXX on XXXX XXXX, XXXX {$350.00}. XXXX Confirmation # XXXX paid through the XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX Confirmation # XXXX paid through the XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX Confirmation # XXXX paid through the XXXX XXXX on XXXX XXXX, XXXX $ XXXX Confirmation # XXXX Paid through the XXXX XXXX on XXXX XXXX XXXX XXXX I have enclosed this copies and several copies of bank statements the signature at the top was signed by the teller of XXXX XXXX .XXXX XXXX Guide Lines The timing of Payments. Typically, Payments made using Your credit card or ATM/debit card will be charged or debited on the day we receive Your Authorization. Typically, Payments made by ACH will be debited from Your bank account on the Business Day following Your Authorization. Rejected Payments. If authorization is not received from Your bank or Your bank card issuer, or if Authorization is not received from You to debit Your bank account via ACH for the amount Payment ( and Convenience Fee, if any ), the Payment will not be completed and/or processed, to the extent permitted by law. Payments were never rejected XXXX XXXX states XXXX XXXX XXXX requested that the customer provide a full, running bank statement that showed the deduction of payments. The only bank statement we could review showed a transaction that had reversed on our XXXX XXXX XXXX account and was redeposited into her bank account. Although our customer may have provided us with transaction receipts for the payments, those receipts will be enough as they will not show if a payment reversed for any reason. Furthermore, the recovery of the vehicle was compliant under applicable state and federal consumer laws, as our customer did not satisfy all her monthly payments that came due XXXX XXXX XXXX : for the past years I have provided XXXX XXXX was copies of statements and receipts. They have never made any effort to acknowledge that these payments were made and continue to say that these months were not paid. I have even had XXXX Banks managers and tellers to sign off on these and still has never had suitable with XXXX XXXX. Also, bank statements are not going to be able due to the fact it was paid by cash through XXXX XXXX XXXX. Paying additional {$4.00} I have enclosed bank statements and XXXX XXXX Receipts. For XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. XXXX XXXX states : Prior to the completion of the conversation, our customer advised us she was under the impression she had made XXXX payments in XXXX XXXX. Based on the transaction history, only XXXX payment of {$270.00} was received on XXXX XXXX, XXXX XXXX XXXX Reply : I made XXXX payments in XXXX XXXX XXXX XXXX, XXXX, for {$270.00} and XXXX XXXX, XXXX, for {$270.00} I have enclosed the bank statements and the XXXX XXXX XXXX signed by XXXX XXXX XXXX Bank XXXX XXXX The contract is not void because XXXX XXXX XXXX employee forged XXXX XXXX XXXX XXXX on the contract by signing XXXX XXXX XXXX XXXX XXXX XXXX is typed on the hire date XXXX the same year that I bought the car. My references are handwritten, and my signature that was signed on XXXX The dates of current employment is XXXX and the next pay is XXXX. Which the XXXX of XXXX was the date I purchased the car XXXX XXXX XXXX. It is very clear to any layperson as well as a smart one that XXXX XXXX got not get me approved on my SS # so changed a number is XXXX, to get an approval. Then after all this time had to make up a loan application and typed the information in and did not have any dates to go by so they used the XXXX hoping no one would notice. Contract- the contract that I have had no signs of my or anyone from XXXX XXXX. After I had left the business on the XXXX of XXXX XXXX, someone with XXXX XXXX noticed that the contract was not signed by me, and took it upon themselves to illegally falsify signing my name on the contract. The signature was signed XXXX k XXXX which I do not sign legal documents that way, always XXXX XXXX XXXX and I never dot the letter I into the letter XXXX The XXXX XXXX, XXXX, contract that I have XXXX XXXX Time should be annulled since I XXXX XXXX did not sign that contract and now XXXX Time is trying to hold me responsible, wrongful repossession when the payments were made, and then sent wrong XXXX XXXX information and repossession to credit bureau making it hard to get another vehicle. For past years, I have tried to get someone to listen to my complaints against XXXX XXXX first it started with them saying that I was months behind on the car payments, after sending them numerous emails, phone calls, bank statements etc. XXXX XXXX continue to say that I owed them money. Then XXXX XXXX, XXXX, they had a third party repossess the car asking for {$10000.00} to redeem the car and {$120000.00} to reinstate the vehicle. XXXX XXXX had an XXXX XXXX XXXX of {$9500.00} a {$290.00} difference of the {$9200.00} amount financed. My contract reads XXXX payments at {$270.00}. XXXX = {$15.00}, XXXX if you re doing the math that is {$15.00}, XXXX a {$670.00} difference XXXX XXXX XXXX has the contract. XXXX XXXX has a total of payment amount {$15.00}, XXXX plus my {$400.00} down payment = {$16.00}, XXXX total cost purchase on credit. XXXX XXXX re-added my {$400.00} down payment to my account so I would be paying twice. XXXX XXXX then reported a wrongful repossession on my credit report hurting my credit and making it so I can not get another car. I have requested the XXXX credit to investigate nothing was ever XXXX XXXX XXXX states XXXX XXXX XXXX processed a hard inquiry to obtain our customers credit report using the XXXX ending in XXXX. On the credit and identity summary report, the XXXX came back belonging to our customer. There were additional identities listed for our customers with a different first name but an identical surname. There was also XXXX additional SSN listed for this alias, which would associate the XXXX names, however, the SSNs were different. The XXXX provided by our customer, ending in XXXX, is correct. We would not be able to process a hard inquiry for her without the correct XXXX. XXXX XXXX XXXX enclosed is a copy of information from my credit report concerning SS # Using a false XXXX is a felony not to mention criminal prosecution. In addition, if another living being shares the XXXX that an individual has invented, it is usually considered identity theft a separate felony in and of itself. Then there is also the issue of wire fraud and bank fraud in filing a loan application. On my credit report, it is listed as XXXX XXXX XXXX XXXX. XXXX XXXX brought this company in XXXX and the XXXX XXXX XXXX XXXX in XXXX till present. I never had anything to do with XXXX XXXX and do not know why it is listed on my credit report.Date Reported Code Type Identification Number Reason XXXX XXXX, XXXX Social Security Number xxxxx XXXX Variation Information states that XXXX was first reported on XXXX XXXX, XXXX. XXXX XXXX had my SS # as XXXX XXXX XXXX Times payment history XXXX XXXX, XXXX, was a late payment, XXXX XXXX, XXXX, this SS # reported to the XXXX XXXX and then an XXXX payment of {$340.00} on XXXX XXXX, XXXX, {$71.00} more than the regular payment of {$270.00}. XXXX XXXX states that on XXXX XXXX, XXXX XXXX 13 days after the payment was made XXXX 31 days in XXXX XXXX that the payments were a reversal. Charing my account XXXX for XXXX XXXX States : We attempted to speak with our customer on XXXX XXXX, XXXX. However, the individual could not verify the account information, thus XXXX XXXX was unable to correspond with them and the phone call was disconnected XXXX XXXX Reply : On XXXX XXXX, XXXX, I had returned XXXX XXXX Time employee call at XXXX am when he asked to verify my SS # I stated XXXX he refused XXXX times to talk with me concerning the wrong SS # ending in. At which time I ended the call. I was giving him the right legal SS # but after 3 XXXX XXXX XXXX still had the XXXX number in their account as my id. Even now XXXX XXXX XXXX reporting the wrong SS # to the bureaus for the past XXXX years and doing the right number now they should at least submit a correction to the tradeline to remove the XXXX number from the report XXXX XXXX XXXX XXXX The monthly gross income listed on the XXXX XXXX {$1000.00}. Our customer provided us with a letter she received from the XXXX XXXX XXXX that states her social security benefit, beginning in XXXX XXXX, provides an income of {$1000.00}, before any deductions. XXXX XXXX Reply- Enclosed is a copy of XXXX awards letter for XXXX XXXX XXXX XXXX, XXXX, with the amount relieved {$1000.00} on the third Wednesday of the month. I HAVE ENCLOSED A DOCUMENTS OF BANK STATEMENTS, XXXX XXXX STATEMENTS!!!!!!!!!! WHERE These PAYMENTS WERE MADE
10/14/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32301	Web
On XX/XX/XXXX I, XXXX XXXX, a Consumer Pursuant to 15 U.S. Code 6809 ( 9 ) entered into a Consumer Credit Transaction for the XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1679a ( 2 ) with DRIVETIME XXXX XXXX XXXX XXXXXXXX. I agreed to purchase the vehicle on credit only through a consumer credit transaction. I am aware and have evidence that, DRIVETIME XXXX XXXX XXXX XXXX is willfully in violation of advertising a required {$1000.00} down payment Pursuant to 15 U.S. Code 1662 ( 2 ), and for arranging 71 monthly installment payments Pursuant to 15 U.S. Code 1662 ( 1 ) in the amount of {$520.00}. I have paid XXXX XXXX XXXX eleven monthly installments payments of {$520.00} for a total of {$5700.00}. Under the Truth in Lending Act, in a consumer credit transaction when a Finance Charge is included there is to be no cash involved and no installments arranged. The Finance Charge shall be the sum of all charges. There is either a Finance Charge OR installments. There shall not be both included in a Consumer Credit Transaction. I am aware and have evidence that, DRIVETIME XXXX XXXX XXXX XXXX is willfully in violation of collecting a {$1000.00} down payment as shown in the Truth In Lending Disclosure attached as Exhibit A. Pursuant to the Truth In Lending Act Regulation Z 12 CFR 1026.4 ( a ) The Finance Charge is the sum of all charges. When a Finance Charge is included in a consumer credit transaction it does not include any charge of a type payable in a comparable cash transaction. Therefore a down payment should not have been included in the Consumer Credit Transaction. I am aware and have evidence that, DRIVETIME XXXX XXXX XXXX XXXX is willfully in violation of failure to disclose that the premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss is included in the Finance Charge Pursuant to the Truth In Lending Act Regulation Z 12 CFR 1026.4 ( b ) ( 5 ) and Congressional Finding 15 U.S. Code 1605 ( a ) ( 5 ). I was required to obtain and show evidence of purchase of insurance on the Vehicle to complete the consumer credit transaction on XX/XX/XXXX as shown in Exhibit B attached. The Finance Charge chart in the Truth In Lending Act shown in Exhibit C clearly states that premiums for property or liability insurance are to be included in the Finance Charge unless the Consumer selects insurance company and disclosures are made. DRIVETIME XXXX XXXX XXXX XXXXXXXX failed to make the proper disclosures. I am aware and have evidence that, DRIVETIME XXXX XXXX XXXX failed to disclose clearly and conspicuously my right to rescind, and failed to provide rescission forms to exercise this right. This is a clear violation of the Truth In Lending Act 12 CFR Part 1026 ( Regulation Z ) 1026.23. Two copies of the Right to Rescind and the proper rescission forms should have been provided when entering into the consumer credit transaction Pursuant to Regulation Z 1026.23 ( b ) ( 1 ) of the Truth in Lending Act. The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the right to rescind and how to exercise the right to rescind, the effects of rescission, and the date the rescission period expires. I am aware and have evidence that, DRIVETIME XXXX XXXX XXXX failed to include interest into the Finance Charge Pursuant to the Truth In Lending Act Regulation Z 12 CFR 1026.4 ( b ) ( 1 ) and 15 U.S. Code 1605 ( a ) ( 1 ). The Finance Charge Chart shown in the Federal Truth In Lending Act clearly states that interest is always included in the Finance Charge. I have paid a total of {$1000.00} in interest to XXXX XXXX XXXX. I have filed a Consumer Financial Protection Bureau Complaint on XX/XX/XXXX in regard to the various willful violations by DRIVETIME XXXX XXXX XXXXXXXX XXXX XXXX XXXX of my rights protected under the Truth In Lending Act and Fair Debt Collection Practices Act. On XX/XX/XXXX a representative named XXXX working on behalf of XXXX XXXX XXXX Compliance Department called me directly stating I am responsible for the Vehicle payments per the Retail Installment Contract. XXXX stated she is not a lawyer nor legal representative of XXXX XXXX XXXX and therefore is unable to accurately address my concerns, however she still states in her response that I am responsible for the alleged debt. XXXX is an interloper, she was not present for the transaction and has no knowledge of the credit transaction and must also be held responsible for the fraudulent contract and deceptive practices in court if she continues to claim to be a part of the consumer credit transaction that took place at DRIVETIME. I am aware and have evidence that, DRIVETIME XXXX XXXX XXXX XXXXXXXX is willfully in violation of the Truth In Lending Act Regulation Z 12 CFR 1026.4 ( b ) ( 2 ) and Congressional Finding 15 U.S. Code 1605 ( a ) ( 2 ) which states the service or carrying charge is included in the Finance Charge. DRIVETIME XXXX XXXX XXXX has a service fee of {$290.00} included in the itemization of the Amount Financed as paid to DRIVETIME as shown in their retail installment contract. I am aware and have evidence that, XXXX XXXX XXXX is willfully in violation of Regulation F 1006.6 ( c ) ( 1 ) of the Fair Debt Collection Practices Act. I have received over 10 harassing emails in communication to collect on the alleged debt after XXXX XXXX XXXX received my Cease and Desist on XX/XX/XXXX. I received four emails within one week on XX/XX/XXXX through XX/XX/XXXX with profane and abusive language threatening to tarnish my reputation by reporting negatively on my credit report. I have made these payments of {$520.00} under duress and against my wishes due to XXXX XXXX XXXX harassing me. I have received another email threatening to report delinquency to the credit bureaus on XX/XX/XXXX which is a violation of 15 USC 1692 c ( c ). XXXX XXXX XXXX is in receipt of my written notice to cease further communication through any and all mediums unless pertaining to the validation of the alleged debt, or remedy for violations that occurred. I am aware and have evidence that, XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692d of the Fair Debt Collection Practices Act for the use of obscene and profane language that abused me significantly by alleging that I am associated with the sovereign citizen or tax protestor movement and that my claims are typical of the sovereign citizen. I have stated in every document that I am a Consumer and natural living person. The Consumer protection law is made up of a large patchwork of Federal and state laws that protect the purchasers of goods and services against deceptive, fraudulent business practices. I am not making any Sovereign Citizen claims, XXXX XXXX XXXX is discriminating against me for enforcing my federally protected rights as a Consumer under the Consumer Protection Laws. I am aware and have evidence that, XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692e for implying that nonpayment of the alleged debt will result in the seizure, or sale of my personal property. I received a letter dated XX/XX/XXXX stating the intent to repossess my vehicle if I did not pay the alleged debt which is also a clear violation of 15 U.S.C. 1692f to take or threaten to repossess or disable property. I am aware and have evidence that, XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692e for distributing written communications made to look like or falsely represented to be documents authorized, issued, or approved by any court, official, or agency of the United States or any state if it would give a false impression of its source, authorization, or approval. I received a letter from XXXX XXXX XXXX stating that " I should be aware that courts across the country have uniformly rejected defenses to payments of taxes and debts '' and goes on further to cite authorities of the United States. XXXX XXXX XXXX can not accurately claim to know what " courts across the country '' have decided. I have filed a Demand for Arbitration on XXXX XXXX XXXXDRIVETIME XXXX XXXX XXXX XXXX for the willful and knowing violation of my rights under the Truth in Lending Act and Fair Debt Collection Practices Act.
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 45440	Web
Numerous laws were broken under the Fair Credit Reporting Act ( FCRA ) by your company and Truth in Lending Act ( TILA ), and several other federal violations. I have suffered from advertising inaccurate, incomplete, erroneous, and misleading information that has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXX XXXX, maintaining the household through a pandemic with inflation at an all-time high, I do NOT have the time for your XXXX. You are breaking federal law. On XX/XX/XXXX, I mailed out my first correspondence to you putting you on notice of accounts being advertised on my consumer report, I specifically asked for a method of certification, and I did not consent to XXXX XXXX Compliance or Automated Dispute System or an Automated reinvestigation System. Meaning, I do NOT consent to an impartial investigation through a click of a button or other automated systems. I DEMAND, as a consumer an impartial, thorough, and accurate investigation be conducted to not only find what happened to the funds I sent XXXX but why are you willfully furnishing inaccurate information on my consumer credit profile? After thirty ( 30 ) days of sending out my first correspondence, I did not hear anything from you, at all, it is my understanding not only is that a federal violation but pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ), it specifically states, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. On XX/XX/XXXX, I put you on notice as a data furnisher, you are incorrectly reporting information to the Credit Reporting Agencies ( CRAs ) and any affiliations along with a delinquent payment, and a remaining balance. Through my first correspondence, I attached confirmation of XXXX XXXX Money Order and checks payable and sent directly to XXXX throughout multiple dates. Furthermore according to Congress, pursuant to 15 15 U.S. Code 1681s2 ( b ), A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ; ( ii ) the information is, in fact, inaccurate. Ive had a relationship with purchasing my first automobile. It was totaled, meaning total loss, and after several attempts by XXXX, XXXX had my automobile insurance listed as XXXX XXXX with the primary contact from XXXX XXXX named XXXX. Furthermore, XXXX incorrectly showed the vehicle, not as a total loss, but only as an impound, and thus fraudulently contacted a repossession company when I was making payments on a car that was a total loss. Furthermore, XXXX fraudulently allocated the check presented to them by a representative of XXXX to the premium instead of the actual balance. Furthermore, XXXX and XXXX XXXX XXXX fraudulently sold the car as salvaged, when it was completely totaled and beyond repair. There are numerous federal violations. Now, Congres explicitly states, In 15 U.S. Code 1681 ( 1 ), The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So vital in fact, more than 200 million Americans have credit files, and lenders rely on this information to decide whether to approve loans and on what terms. Consumer reporting also informs decisions about employment, insurance, housing, and even essential utilities. For consumers, inaccuracies on credit reports drive up the cost of credit and severely limit opportunities, such as starting a small business or buying a new home. Not only are you breaking federal law, but you are also undermining the efficiency of the banking system and the troubled economy. Furthermore, pursuant to 15 U.S. Code 1681b ( f ) ( e ) and 15 U.S. Code 1681b ( a ) ( 2 ), I have NEVER given my written instruction to neither ( You ) nor any of the CRAs. It is my understanding you shall not advertise what is on my consumer credit report if put on notice and made aware that the information is inaccurate by a consumer, it is your moral and legal obligation, I demand you correct all details as stated in my written correspondence. The continued report of this information is a clear violation of federal law, 15 U.S. Code Subchapter III, throughout parts. 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. During the investigative process, if conducted at all, and following my requests ; what neighbors, friends, or associates as stipulated in 15 U.S. Code 1681a ( e ) ; who did you speak to regarding the false information youre advertising on my consumer report? I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you will be liable for your willful non-compliance and damages caused to my livelihood and way of living due to your willful negligence. Ignorance of the law excuses no one. As transcribed in Leviticus 5:17 : " If a person sins and does what is forbidden in any of the LORD 's commands, even though he does not know it, he is guilty and will be held responsible. These laws have been interwoven, throughout the Roman empire and the United States. See United States v. Freed, 401 U.S. 601 ( XXXX ). You will be held liable for your actions. Once again, within the required thirty ( 30 ) days designated by Congress under the Fair Credit Reporting Act ( FCRA ) you failed to respond, and I hereby as a consumer, DEMAND you accurately furnish what is on my consumer credit report. Meaning, showing no delinquency and having the balance paid in full. I am a litigious consumer and I shall not hesitate to take legal action and sue, yes, you heard me correctly. I will not hesitate to pursue legal counsel. I will sue you for infringement of my right to privacy and advertising false information on my consumer report. Advertising inaccurate, incomplete, erroneous, and misleading information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXX XXXXd, maintaining the household through a pandemic with inflation at an all-time high, gas prices reaching an all-time high, and being a victim where someone committed aggravated identity theft against my son and fraudulently claimed my son as a dependent for taxes, and filing police reports and FTC reports and meetings with Secretary of State and Attorney General. I do NOT have the time for your XXXX. I will not hesitate to take legal action against you for violation of federal law 15 U.S. Code 1611, 15 U.S. Code 1681n, 15 U.S. Code 1681o among personal damages to my character.
08/11/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	AL 35805	Web
To whom it concerns : In my previous complaint XXXX against Drive Time illegally repossession, illegally reported information to three financial institutions nationwide. After receiving the feedback information from Drive Time concerning this complaint they sent cfpb several documents with their statement- 1. Get Approve Form, 2. Retail Instalment Contract. After investigating these documents, I noticed several misleading information on the documents that Drive Time sent to cfpb. Enclosed are these documents 1. Retail Instalment Contract- On XX/XX/XXXX when I left Drive Time they gave me copies of all copies of paper of agreement and paper I signed. There was one paper that was not signed Retail Instalment Contract of the Customer Copy. This was just found out when I was looking at the paperwork that Drive Time sent cfpb as feedback to my complaint. The copy they sent cfpb was signed XXXX XXXX XXXX. And was signed by an employee of Drive Time with the of SSA. This signature was being forged on this contract. I never sign my name XXXX XXXX XXXX it is always XXXX XXXX XXXX and I never make my XXXX over to the XXXX and dot the I in the loop of the XXXX. ( I have enclosed a copy of handwritten signature ) Forgery is considered fraud in the performance. Fraud in the performance voids the contract so that there is no valid contract. The forgery makes a contract null and void A Drive Time employee signed a contract without my consent, I am not bound by that signature or document because the signature does not manifest the intent to be bound by it. Alabama State Criminal Code Section 13A-9-2 Forgery in the first degree. ( a ) A person commits the crime of forgery in the first degree if, with intent to defraud, he falsely makes, completes or alters a written instrument which is or purports to be, or which is calculated to become or to represent if completed : ( b ) Forgery in the first degree is a Class B felony. And as the Arbitration Agreement is not enforceable because the contract had not been signed by the seller or the buyer at the time of purpose. 2. Get Approved Form- the document that Drive Time sent cfpb is false on the loan application ( enclosed copy ) 1. SSN # is wrong XXXX- my SSN is XXXX 2. Monthly rent is wrong- {$350.00} My rent is {$650.00} 3. Date of Hire and date of Current Employer- XX/XX/XXXX It is XX/XX/XXXX 4. Monthly Gross Pay {$1000.00} My Gross pay is {$1000.00} each month It is very clear that Drive Time falsifying my loan application. Drive Time submitted my financial info to apply for a car loan, and then later find out that the dealer had submitted different ( wrong ) information, theyre committing bank fraud and violating the Credit Repair Organizations Act. The Credit Repair Organizations Act ( " CROA '' ) is Title IV of the Consumer Credit Protection Act Sec 404 Prohibited Practice B ( ii ) to whom the consumer has applied or is applying for an extension of credit ; ( 2 ) make any statement, or counsel or advise any consumer to make any statement, the intended effect of which is to alter the consumer 's identification to prevent the display of the consumer 's credit record, history, or rating for concealing adverse information that is accurate and not obsolete to. ***Drive Time alter my SSN and monthly payment to get approved for the car loan. ( B ) any person -- ( i ) who has extended credit to the consumer ; or ( ii ) to whom the consumer has applied or is applying for an extension of credit ; ( 3 ) make or use any untrue or misleading representation of the services of the credit repair organization ; or ( 4 ) engage, directly or indirectly, in any act, practice, or course of business that constitutes or results in the commission of, or an attempt to commit, a fraud or deception on any person in connection with the offer or sale of the services of the credit repair organization. SEC. 409. CIVIL LIABILITY. ( a ) Liability Established. -- Any person who fails to comply with any provision of this title with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : ( 1 ) Actual damages. -- The greater of -- ( A ) the amount of any actual damage sustained by such person because of such failure ; or ( B ) any amount paid by the person to the credit repair organization. ( 2 ) Punitive damages. Drive Time has Extorted money and property from me through coercion and intimidation with threats of a repossession of the car. Drive Time knew of the void contract, let me continue to make payments on the vehicle, and then repossessed it. Alabama Code Title 13A. Criminal Code Extortion in the second degree is a Class C felony. 13A-8-15 Extortion by means Section 13A-8-1, constitutes extortion in the second degree. Thus, of the Drive Time acts of fraud and/or misrepresentation, I have suffered substantial actual damages from the seizure of my {$400.00} down payment, the cost of substitute transportation, plus aggravation, humiliation, and distress. I have also suffered other considerable actual damages, including, by example only and without limitation, the loss of the value of the vehicle I tried to purchase from Drive Time, inconvenience, aggravation, humiliation, and other incidental and significant damages which were reasonably foreseeable by the Drive Time. Drive Time knew that all the misrepresentations were false when it made them. They committed the fraud willfully and with deliberate intent. They did so with actual and legal malice to me and without regard to my rights and interests. The two Drive Time employees that forged the signature on this contract was XXXX XXXX XXXX and XXXX XXXX since their name is employees that handled this paper and also with the on the misleading wrong information for the loan application. Titles are SSA - Sales Advisor and Senior Sales Advisor. After all this Drive Time, has taken from a {$400.00} down payment, and since Drive Time would not honor their warranty and {$110.00} for XXXX XXXX program I had to pay {$600.00} for a new Thermostat housing and {$140.00} for a new battery and total of XXXX in car payments -- {$270.00} for 8 months plus the {$40.00} it took to get my belonging out of the car after the repossession, and then took back the car without a signed contract from the me the buyer and then have a Drive Time employee illegally forged my signature on the contract. Much less run false information on a loan application to get me approved Is this their practice when they say everyone gets approved!!! Drive Time had admitted several times to other agencies that I have contacted them numerous times but my them stating that I was late with payments and that I did send them copies of bank statements but they also said that I was still behind and could never find that I had paid. Now I know they did not want to find it. Drive time has left me without transport for over a year after the repossession and even cause me to miss my aunts grave side services in XXXX, VA the week after the repossession, and now they still are causing me transportation problems, pain, and stress because they have reported this repossession to 3 different credit departments which are making it very difficult to get another vehicle. I have requested three credit bureaus to investigated to have the repossession removed from my report they will not remove it.
12/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 319XX	Web
Company violated many laws and codes on XX/XX/2022. Under 15 U.S. Code 1605- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and are aware that DriveTime Car Sales Company LLC , dba Drivetime, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as the XXXX XXXX XXXX this right as shown in Exhibit ( W ) as the finance charge is not the sum of all charges. DriveTime Car Sales Company LLC, dba Drivetime, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, as the Indenture Trustee, shall also know that Examples of charges which are included in the finance charge include any of the following types of charges which are applicable as stated Pursuant to 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge, charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge and are aware that you are in violation as this was not included in the finance charge. You are also in violation of 15 U.S. Code 1605 ( a ) The finance charge does not include charges of a type payable in a comparable cash transaction. DriveTime Car Sales Company LLC, dba Drivetime, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, as the XXXX XXXX shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; : 15 U.S. Code 1666 ( d ) - TREATMENT OF CREDIT BALANCE - Govinfo.gov Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 15 U.S. Code 1666 ( e ) - EFFECTIVE NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR - Govinfo.gov Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. 12 CFR 1026.13 ( e ) ( 1 ) ( 2 ) - PROCEDURES IF BILLING ERROR OCCURED 1 ) Correct the billing error and credit the consumers account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or deliver AS ASSERTED - Govinfo.gov 12 CFR 1693m - CIVIL LIABILITY - Govinfo.gov Individual or class action for damages ; amount of award Except as otherwise provided by this section and section 1693h of this title, any person who fails to comply with any provision of this subchapter with respect to any consumer, except for an error resolved in accordance with section 1693f of this title, is liable to such consumer in an amount equal to the sum of ( 1 ) any actual damage sustained by such consumer as a result of such failure ; ( 2 ) ( A ) in the case of an individual action, an amount not less than {$100.00} nor greater than {$1000.00} ; 15 U.S Code 1635 ( b ) -RIGHT TO RESCIND AND KEEP PROPERTY-Legal Information Institute RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it
02/07/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MD 21114	Web
To Whom It May Concern : Hello, my name is XXXX XXXX XXXX and Im writing to convey the message of how dissatisfied I am with my most recent purchase ( s ) of vehicles from XXXX XXXX located in XXXX XXXX, MD. My first vehicle I had purchased from set dealership on XX/XX/XXXX ; was a XXXX XXXX XXXX XXXX XXXX. At the time of purchase, I was made aware of an Open Recall on the vehicle for an Air Bag Deflator issue which effected a lot of vehicles on the road not just this XXXX but other brands as well. Didnt think much of it at the time but there was no remedy for it at the time or even at the time at which DriveTIme bought back my vehicle. I was ok with that because I was made aware of it before purchasing the vehicle. It wasnt until I had put permanent tags on my vehicle that I started having other issues. Granted it was a used vehicle and in the State of Maryland every used car to my knowledge comes with an Implied Warranty which I know I was past but upon asking they couldnt give me their version of Implied Warranty. It started with some noises coming out of the rear of the vehicle and I was filling my tires up with air when I noticed I might have had a flat tire so upon jacking the vehicle up and getting the spare out thats when I was able to see the beast I was dealing with. Everything under the vehicle was rusted so wasnt too worried about it at the time other than when something goes wrong with this vehicle and I need work done on it ; it wouldnt be easy or cheap. So, I took it in for the noise and was told by an in-network Repair Shop it needed Wheel Bearings in the rear, Rear axle seals and differential cover gasket. So, talked to XXXX XXXX who is the company they offer service with and was told the wheel bearings where the only things covered. So, I authorized the work and wanted naturally to get a second opinion which I had done at an out of network repair shop. After arguing my point with DriveTime it was offered that when I take back into an In-Network Repair Shop have them look at it again and pay my dectubile again and they would tell XXXX XXXX to approve the needed repairs. At which time of bringing it back in I was still concerned with not having an emergency Brake the functioned properly so when they looked into that as well they tried selling me Rear Brake Job which XXXX clearly denied because it is a wearable item and I get that but the XXXX miles I had put on the vehicle wouldnt have done any of the damage that these repair shops was saying was wrong with my vehicle. SO, after this refusal by XXXX XXXX on all of the repairs again after being told they would be covered after I paid my dectubile. I picked my vehicle with no work done and ended up paying more than my dectibule to get my vehicle back because of the check-out time the shop needs to look at my vehicle. Fine with that my issue is things promised werent getting done so took it to yet another outside out of network repair shop at which time it was brought to my attention that I had flood damage which DriveTIme refuses to admit. But after complaining and with Photo evidence included in this complaint, they offered to buy my XXXX back and I could get into another DriveTIme vehicle. Heres the catch at the time I was happy to get out of this vehicle but was unaware the 6 months of on time payments wouldnt be refunded but my on-time payments would reflect my credit score when getting a new vehicle from them. This is where it gets tricky it did and didnt. My interest rate was raised, and I have been not given a straight answer on way because of no fault of my own. SO, over the life of the new loan its an increase of over {$600.00} dollars for mistakes made by others not me. So, in XX/XX/XXXX I get into my current vehicle and thrilled about. But it sinks in how my interest rate was raised for no reason and little things like no reimbursement for time I had taken off to deal with my prior vehicles issues but was offered reimbursement for tint I had done to my prior vehicle and floor mats that didnt come with my new vehicle which DriveTIme didnt have to do but did. I thank you for that but like everything else when dealing with this company it is on there terms. I relied the information to them they requested to get my reimbursement check and stated I needed it before leaving on a business trip which happened to be after I owed a payment to XXXX the lien holder. Said would be next day air but arrived after leaving on my business trip and after I had made a payment. SO naturally becoming more upset I said somethings in emails that I shouldnt have after being offered a settlement at which I would give up my right to per sue anything more and they would credit the principal {$45.00} dollars and match my other interest rate. Needless to say, after writing emails that basically upset a lot of people at their company my settlement was withdrawn and here, we are now. If I get nothing else form them, I want in writing the process from start to finish of someone buying a vehicle like I had from getting preapproved online to going into the dealership and getting a vehicle so someone could look at my situation and that process and see what mistakes was made on both of our parts. I had gotten the same Salesman both times and it would be unfair in my mind him getting paid commission on both purchases for mistakes made by DriveTime. It is my belief that DriveTIme sold me a vehicle that shouldnt have been sold to the general public or at least to the general public at that said price when clearly this vehicle had been in a flood and/or some kind of water damage that affected the value of the XXXX XXXX. Which is fraud and should entitles me regardless of documents signed the balance I paid into set vehicle because DriveTIme sold me a vehicle that wasnt as advertised. A copy of this will be sent to the Maryland Attorney Generals Office as well as the Maryland State Police Automotive Safety Enforcement Division to investigate DriveTime and its questionable Sales Tactics. Feel free to contact me at XXXX XXXX XXXX XXXX and/or at XXXX. Hope to hear from you soon.
07/15/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA XXXXX	Web
DriveTime Automotive Group , Inc. C/O : XXXX XXXX XXXX XXXX Attention : XXXX XXXX, C.E.O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX I am requesting an investigation of DriveTime Automotive Group , Inc., mentioned above due to its predatory lending practices, targeting individuals with low income and poor credit. This company specifically runs advertisements guaranteeing a 99 % loan acceptance rate with a minimum $ XXXX down payment, and states : " specializing in shoppers with bad credit. '' In XX/XX/XXXX I purchased a used XXXX XXXX XXXX with XXXX miles from their location in XXXX, CA. My understanding is I was purchasing a $ XXXX used vehicle, however not realizing at the time of purchase that the sales person added three ( 3 ) ancillary products to the loan to inflate the value and increase their profit. I signed everything electronically and was not provided with a paper contract for review. My total loan for this used XXXX XXXX was $ XXXX. A new XXXX XXXX would have been $ XXXX and $ XXXX with the same high finance charges, which is not fair and reasonable. The ancillary products which were not discussed and automatically added to the loan were 1 ) GAP insurance, 2 ) a vehicle protection plan that is invalid if the Manufacturer covers any portion under warranty and 3 ) a GPS warranty which is not your traditional GPS navigation system warranty, but a tracking device installed under the hood of the vehicle specifically for planned repossession ( I have full coverage insurance, why would I need a tracking device on a used vehicle? ). The total price of the ancillary products came out to {$5200.00}. I noticed a similar complaint on your website ( Ref No. XXXX, dated XX/XX/XXXX ) in which the individual had {$5200.00} added to their loan automatically. This is almost the identical amount added to my loan. This appears to be a standard tactic by DriveTime to rip off consumers, especially since the contracts are signed electronically, so the consumer is unknowingly agreeing to these products. After sitting hours with their sales team and signing electronically these products can not be disputed, as was the case with the abovementioned complaint. The company skillfully includes arbitration agreements which tactically prevent the pursuit of class action lawsuits. Their financing terms are also egregious. The clause on Finance Charges within their agreement specifies that payments will be applied in any manner XXXX ( DriveTime company ) chooses, with the application towards late charges, finance charges and then the unpaid balance. Because this is a simple interest contract, the application of payments to fees and interest occurs first, resulting in higher finance charges and ultimately a higher than the original loan balance, if the individual is late on any payments. Not only is DriveTime taking advantage of consumers by way of predatory lending practices and the inclusion of unnecessary products to inflate loan values, but they are deliberately installing GPS tracking devices on these vehicles to ease with the repossession process. They eventually go after consumers for default making them liable for the unpaid balances. DriveTime 's attorney XXXX XXXX admitted within our email correspondence that the GPS device warranty added to my contract ( " ancillary product '' ) was for a device that was installed under the hood specifically by DriveTime for tracking the vehicle. I reviewed an article online in which DriveTime 's spokesman XXXX XXXX told XXXX that DriveTime does not install kill switches but purchases vehicle with " pre-installed '' GPS systems. That is a complete lie as their in house attorney confirmed their installation. DriveTime also failed to disclose within the Buyer 's Guide that this used XXXX had an existing transferrable bumper to bumper warranty. Again their attorney 's response was that they are not responsible and wouldn't have known whether the vehicle had an existing warranty. My understanding is this information : MANUFACTURER 'S WARRANTY STILL APPLIES is supposed to be fully disclosed within the Buyer 's guide. I am disgusted that companies like this can continue to take advantage of individuals and nothing has been done to stop them. I am hoping by posting my circumstances in addition to the already existing complaints, DriveTime and their unethical business practices are fully investigated and are not allowed to have consumers sign agreements electronically, and are required by law to call out in detail and plain language any unscrupulous provisions to ensure consumers understand before signing.
03/30/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	DE 19802	Web
I XXXX XXXX XXXX entered into a consumer credit transaction with Drivetrime Aujto Sales on XX/XX/XXXX. A consumer credit transaction which a finance charge was involved. 15 usc 1605 dinfines a finance charge as the sum of all charges in a consumer credit transaction. The finanace charge does not include cash but Drivetime Auto Sales took cash. The Finance charge is suppose to include insurance but Drivetime Auto Sales made me purchase insurance separately. Drivetime sold my contract to XXXX without my permission, who used unfair, abusive and deceptive debt collection practices. Now they have teamed up which continuously breaking the XXXX XXXX XXXX XXXX liability for willful and knowing violation. In the reponse to my CFPB complaint number # XXXX, XXXX XXXX XXXX Agency Specialist stated that On XX/XX/XXXX that and I quote, " We advised that she will no longer be RECEIVING CALLS FROM XXXX FOR ANY REASON ''. XXXX XXXX went on to state in his response that, " On XX/XX/XXXX at 93 days past due, we sent XXXX XXXXXXXX a validation of debt letter with copies of her Contract and account transaction history to her mailing address on file and email address listed on her complaint ''. why he would send it to the email on my complaint and not the email on file with XXXX, I do not know unless he was trying to mislead me. Yet, he did contact me through mail and email which was never a problem or anything I did not tell him to do. According to XXXX XXXX XXXX XXXX XXXX 's INTENT not to contact me on XX/XX/XXXX while burying my husband in XXXX while still in an active disbute with XXXX where I had until XX/XX/XXXX to respond, was willful and knowing of this violation and is criminally liable. Especially, because I had no other correspondence to go by except the CFPB. I was discriminated and retailatied against for contacting the CFPB when on XX/XX/XXXX XXXX XXXX chose not to contact me by mail or email. I have begun to have anxiety attacks, I ca n't drive XXXX to make money to help my daughter prepare for medical school and help take care of myself and my grandchildren because of XXXX XXXX 's criminal liabiltiy. This has brought a hardship on my family. Now XXXX XXXX representing XXXX and Drivetime, has reported on my consumer reports, listing themselves as XXXX XXXX a repossession. I don't even know who that is. These violations are in violation to 15 usc 1640 -Civil Liabiltiy according to section 1 any actual damage sustained by such person as a result of the failure and 2 ( A ) in the case of an individual action I am due twice the amount of the finace charge. According to usc code 1635 Right of rescission as to certain transactions, this was never pointed out to me. which is another violation of 15 usc code 1635. I extended credit to Drivetime and they extended it back to me. I am the original creditor which I will prove in court if we can't come to a resolution because I am the original creditor, lender, executor, administator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX XXXX I am the natural person, the consumer in fact where transportation has been deemed to be estential, You are commiting crimes and I want it to cease and desist immediately against my Estate and to be compensated and made whole. Everything you are talking about XXXX XXXX was included in the original finance charge. I FOUND THE VIOLATIONS AND I TRIED TO INFORM YOU OF A DISPUTE, YET YOU ARE RESPONSIBLE TO ME FOR DOUBLE AMOUNT OF THE FINANCE CHARGES, DAMAGES, REPLACEMENT OF VEHICLE, ALL MY PAYMENTS I MADE RETURNED BACK TO AND THE DOWN PAYMENT. I will be contacting the FTC, OCC, the District, Supreme Court and especially the XXXX XXXX. You sold my car because you said you could not contact me, Yet, you contacted me by mail to Notifiy me after you stole it, with a Notice of Dispostion and our Plan to sell Property ( NOI ). Then forced me to sign, under duress a repossession notice at the repo yard in order to get my property. You are commiting financial, civil and crimial acts according to 15 usc 1611, 15 usc 1605 and 15 usc 1640 and a bunch of other laws constantly and repeatedly XXXX XXXX, XXXX and Drivetime or XXXX, I confused with who you say you are. Anyway, XXXX XXXX have mercy on your soul because According to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, even is I admitted to being the debtor, you went to far. I will send relevant documents to the XXXX XXXX XXXX XXXX and the other federal agencies because you are just going to far.
07/31/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MD 21114	Web
Been an ongoing problem with both XXXX XXXX XXXX and DriveTime. Can't get straight answers from anyone of them. One company says one thing and the next says the total opposite. When I had filed first complaint I had asked for documentation when I I was supposedly told that when I had my other vehicle bought back from them that I wasn't't able to get the 6 plus months of payments back because I had been driving the vehicle and it was for the time I had driven the vehicle and I would only be able to use my original {$600.00} down payment to get into another vehicle. At the time I was fine with that because it was my understanding that the 6 plus months of statements would be reported to the credit bureaus so it wasn't like the 6 months never happened. Come to fine out after signing for my new vehicle I wasn't entitled to the 6 months of payments and that I wasn't going to get my 6 plus months of payment history suited to the credit bureaus hense me getting a higher interest rate on my new vehicle. They dod give me documentation that I agree is my signature that state that they wouldn't report my 6 months of on time payments to the credit bureau but doesn't have any document and they can't produce one that states I was aware of not getting my 6 months of payments either back or put towards my new vehicle. When asking for this document I was told that it was a verbal agreement hence they didn't need a document for this. SO next issue is they said they had audio of me agree to this verbal agreement and upon asking for it said I couldn't get it. So Getting royally screwed. I didn't sell myself a lemon they did. It has been an ongoing fight for the past 6 plus months. I was offered a reimbursement check form DriveTime ( I know now ) for Tint to be reapplied to my new Vehicle and for floor mats not given to me on my new vehicle. I had declined the Floor Mat reimbursement because was a waste of time for something I had already purchased while fighting them over my other issues. When I was sent my reimbursement check I was promised it was to be delivered before I had to leave out of town on business and I would really need it so I would have money for my business trip. It happened to fall on the week I had to make a payment to them and had threatened them I wouldn't pay it until I had my check in hand. Lucky I did pay it but at a cost to me on my business trip. I have never missed a payment and that one included but my check didn't arrive until Monday after I had already left out of town on business. When I contacted them back after getting back on business, that is when I had found out the reason it was late was because DriveTime had been dragging their feet. I had given them the allotted time of two weeks but to me it was done out of embarrassment and so things be done on their terms not mine. I am fed up with how they are doing business and are doing nothing but hurting me and future business with them. I am a customer of good standing and I am being treated like this? Same company that was fined by you all couple of years back for over {$6.00} XXXX dollars you would thing they would have learned there lesson but apparently not. They also ended up contacting me at the end of business day last Friday to let me know there isn't anything else they could possibly do to help me out any further. The person I had spoken to last in the DriveTime customer relations department after telling me we had a verbal agreement and I had asked for a copy of set conversation which Im not denying was said but needed for my records so If I was to get a lawyer involved would do it for me. So this is how its going to be I guess. I have 6 years of payments to them to pay my vehicle off and will complain until my voice is heard and get whats mine. I want my 6 months of payments back because like I had stated I didn't sell myself a lemon they did. I have also filed a complaint with the Maryland State Police Safety Enforcement Division to have there license revoked for selling a lemon vehicle and basically having a vehicle pencil whipped for an inspection which in any state is a big no no. Upon my own research because at the moment I can't afford an attorney in the State of Maryland, it is called Statue of Frauds where a verbal agreement of over {$500.00} is to be in written format not just formal so I believe I'm entitled to my money back now. With companies are blaming the other one for these issues and I don't care just want my money back fo r my hassles.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30060	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Credit Report Number : XXXX, Date Created : XX/XX/XXXX XXXX Credit Report Confirmation XXXX XXXX, Date created : XX/XX/XXXX XXXX Credit Report File Number : XXXX, Date created : XX/XX/XXXX Original Creditor : DRIVETIME/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Contact Number : ( XXXX ) XXXX Dear : XXXX, XXXX and XXXX & XXXX XXXX I am writing to dispute the inaccuracy of this information contained in my credit report in regards to the Original Creditor DRIVETIME/ XXXX There are a number of discrepancies with this fraudulent account for example the account type shown is reported to be an auto loan and also reporting as a repossession, account XXXX XXXXXXXX in the amount of {$9100.00} with an original balance of {$19000.00}. This account also displays a 24 month payment history, this account is not only reporting transactions from XXXX of XXXX TO XX/XX/XXXX. According to my credit report, this account has different dates of last activity as well : XXXX reports no date, no activity and no account exist, XXXX reports no date, no activity and no account exist, meanwhile XXXX last status update was on XX/XX/XXXX. Today is XX/XX/XXXX this is a clear violation of the Fair Credit Reporting Act, according to the FCRA, I have the right to an accurate credit report. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. FCRA Fair Credit Reporting Act also states Transactions and experiences are not supposed to be on my consumer report. The law states that a consumer has the right to opt out of having their information reported stated in 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) under the exclusions that a consumer transaction or expreniece are not included on the consumer report. As provided in paragraph 3 the term consumer report does not include reports containing information solely to transactions highlighted on my credit report history. Between i, XXXX XXXX XXXX and you DRIVETIME/ XXXX account XXXX XXXXXXXX is excluded from the consumer report, please delete this transaction from my consumer report as well please. In addition you have reported a transaction on these days too : XX/XX/XXXX to XX/XX/XXXX and a repossession from XX/XX/XXXX to XX/XX/XXXX with the account type as a auto loan. Also, may you please look into the Date of last active, this is also stating that the vehicle has been repossessed, Auto Loan and late payments are reported onto my FICO report. Please remove these Transnational experiences and report accurate information. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection Furthermore, I believe that the furnisher of this information from DriveTime/ XXXX and you as the credit bureau XXXX is an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this Auto Loan/ Repossession account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Thank you Please respond to Certified mail sent as well please
08/22/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MI 49315	Web
I purchased a car from DriveTime on XXXX XXXX in XXXX XXXX on XX/XX/XXXX. I financed through XXXX, the in-house bank. The entire process took all day and when it came time to sign my documents there were three aftermarket products, from XXXX, added to my loan that ended up costing an extra {$5200.00}. I asked the salesman what they were and he was a little surprised that NO ONE had gone over or tried to sell them to me, instead, I bought ALL of them without my consent or even any knowledge of what they were. So when I told the guy I dont want or need them the manager came over and said we would have to start the whole process over to take them off. I suppose thats part of the scam. I was exhausted at this point and he says or you can just call and easily have them canceled. I have called and submitted the cancellation forms multiple times and they are still on my car loan and I am being charged interest. Not just an easy phone call as promised! I want the products removed from my loan immediately and I want every penny of interest that I have paid on the aftermarket amount, beginning from day one, credited back to my account. XXXX, of course, is refusing to take them off. On top of that, I was behind on my car payment but got caught up on all payments on XX/XX/XXXX by making a payment of {$2300.00} to them. The gal said that would make me current. On XX/XX/XXXX I logged in to check my account and like she said it was paid up and current. It also stated my next payment date was XX/XX/XXXX and I owed {$130.00} ( I have a screenshot of this as proof ). I log on to pay it on XX/XX/XXXX to make sure I don't fall behind and it says my account is past due in the amount of {$200.00}!!! I call and they tell me too bad it must have updated and refuses to take the late fee off. So apparently the Drivetime store managers lie to your face and they back them up, the customer service reps lie and tell you you are caught up, and the computer account screen is a liar as well. I want nothing to do with this company or any of its affiliates and would pay off the loan but I REFUSE to pay for the {$5200.00} in illegal add ons by scams, lies, and disgraceful behavior to a first-time car buyer but of course they refuse to do the right thing. I understand the contract but as I said I was scammed by the manager. He encouraged me to sign the contract with the products on it like it was the only choice I had. I have never been this blatantly taken advantage of in my life and I want this brought to every consumer 's attention in the US to warn them to under NO circumstance should they believe any manager, customer service rep or even the account you log into for information at XXXX. I am sick and tired of XXXX unwilling attitude to do the right thing and just remove the products and any interest that I have paid on that amount. Maybe this is all part of the way they make money, all part of a bigger scam starting the process at DriveTime and continuing it with XXXX? If it wasn't part of a scam I would think that they would immediately do the only honest thing to resolve this. I guess they are not a company with any values or willingness to help customers who get taken advantage of by them. I have NEVER used or wanted the products, and yet they still want to collect my money for them. I have already contacted an investigative department to do a story about this and they are interested. I guarantee once it airs on TV they will have MANY, MANY more complaints about the same type of scam then just mine. I would also like to see what legal actions can be taken? I understand the contract and all but that is why law enforcement has fraud departments to help people who were taken advantage of by businesses that refuse to make their bad decision right. I will call the top CEO, the IRS, the FBI, the police department and TV studios if I need too. Please let me know what to do next because I will never stop until they take these products off my loan that they illegally put on. Maybe they need a class on how to be a better business! I am sorry to take up your time because of big business thinking they can get away with this. I will be waiting to hear back and take the next extremely necessary step to correct the mistake they stand behind.
10/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	AZ 85043	Web
Refund of all payments made and this is a now a Class Action Lawsuit. I am writing in regards to owning this lemon of a vehicle for 2 years and 2 months now. I have been paying way over market value and I was promised to be considered for the CHAMP program after 2 years and satisfaction payments made to my account. Well I went in to talk to the office on Saturday XXXX and was told by the receptionist at the XXXX location that I would have to pay the vehicle down to {$5000.00} to be able to participate. I am current at a payoff amount of {$16.00}, XXXX for a XXXX XXXX XXXX and this is worth {$4000.00} in Good condition. I am paying over {$450.00} a month for this used car. Having numerous issues with the repairs and I have a list of items I have had to fight for since I owned the car. Poor customer service to add on to the dissatisfaction and lurk/bait and lye sales tactics. I have spoken to numerous managers from the beginning, XXXX, XXXX and the regional office. I have now spoken to someone because I went months trying to get a bill date change and it took me 2 or 3 months to get this rectified. However I want to return the car and this payment reduced to the market value and whipped off of my financial obligations. There were too many promises made that have not been fulfilled and I am being charge 400 % of what the car is worth. This is ridiculous. I am not happy with my purchase and the way I have been treated and I am not making any leeway of ever getting the balance down. This is a scam to get people to purchase a car and I needed reliable transportation. I have a list of recent bills and also previous emails that I can print off and send to you that I have been trying for months and years to rectify this situation. Now its just overwhelming and exhausting. I felt so betrayed from Saturday until now. Desired Resolution : Refund Desired Outcome I would like to voluntarily like to return this used car and my refund provided back on my payments and provided a letter of forgiveness of the over charge of the car I signed and the debt whipped clear of the purchasing charges. I want the resolution so that I can purchase a car out right instead of being changed this 400 % for a used car that I will never get any repairs done because they refuse to pay for and poor service. Have you complained to the firm/agency/business? Yes What was their response? I kept being referred to different managers or I was provided a number to like a manager named XXXX in Texas that never answered his phone nor returned my phone messages I left his number is [ protected ] and I have spoken with a XXXX XXXX, XXXX XXXX, XXXX XXXX to name a few that I have reached out since I purchased this car. Was an oral or written warranty given? Yes Did you sign any documents? Yes Date of Transaction : Fri, XX/XX/XXXX Place of Transaction : XXXX Location Total Amount of Damages : over {$2500.00} of repairs and the car cost {$3900.00} Salesperson 's Name : XXXX XXXX Witness to Transaction : Was the product or service advertised? : Yes If yes, indicate the date and how it was advertised : it was on the website back on XX/XX/XXXX Do you have an attorney? No If yes, please provide the attorney 's name and address : Is any legal action pending? : No List any other consumer agencies contacted : May we provide your name and telephone number to the media in the event of an inquiry about this matter? : Yes May we send a copy of your complaint to another government agency for their review or investigation? : Yes Additional Comments : I have additional documentation to fax in so please provide a toll free number or a local fax number for me to submit. Thanks for your time and attention to this matter. Your Age : Under the age of XXXX Military/Veteran Status : How did you hear about our complaint form ( please choose only one ) : Another Arizona State Agency/State Legislator Declaration 2 : XXXX XXXX XXXX Date : XX/XX/XXXX Yes this was mine that I had forwarded to you to have you use as a guide to file a complaint. But at least you had it. Sincerely, XXXX XXXX Independent Consultant [ protected ]
08/25/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NJ 08012	Web
I opened an account with Drivetime/XXXX on XX/XX/2019 First, I want to say that while negotiations went on at the drivetime location for the automobile that they committed fraud. The first would be by accepting a down payment and the second fraud would be not extended me insurance in which they should have because that comes within the finance charge. Per 15 USC 1605 a " finance charge '' is defined as Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. The finance charge does not include charges of a type payable in a comparable cash transaction. ( Illegal acceptance of down payment ) by asking me for one and not telling me I didn't have to is unlawful. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( Didn't extend insurance to me ) Also, they continued to repo my car which was a non-judicial act it wasn't an order given by a judge. 15 USC 1692F ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest. ( B ) there is no present intention to take possession of the property; or ( C ) the property is exempt by law from such dispossession or disablement. They also committed identity theft by giving my information to a tow company which is a third party per 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. They never told me about the non disclosure option to exercise my rights to opt out and not share my information and bullied and caused me harm.
07/26/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30180	Web
I am writing to file a formal complaint against XXXX XXXX and Drive Time Credit Corporation, jointly and severally, for engaging in troubling and potentially unlawful conduct during a recent communication with me. The purpose of this complaint is to bring to your attention the companies ' refusal to identify the purpose of their call, their improper attempts to collect personal identifiable information or proper disclosure, and their infringement upon my right to privacy. On XX/XX/XXXX XXXX three separate family members received an unsolicited phone call from a representative claiming to be an employee of XXXX XXXX. The representative made persistent efforts to solicit and collect personal identifiable information from my family members. They sought sensitive details, including my social security number, financial information, whereabouts and home address. I must emphasize that I have never had any prior association with XXXX XXXX or any other relevant party, nor can I conceive any legitimate basis for these companies to request or gather such sensitive information without justifiable consent from the consumer. As a responsible and cautious individual, I am deeply committed to protecting my privacy and safeguarding my personal data from unauthorized access or misuse. The unauthorized collection of personal identifiable information without adequate disclosure constitutes a clear violation of my privacy rights, as guaranteed by the Constitution and upheld by various federal and state laws. The potential consequences of such privacy breaches are far-reaching, extending beyond my personal well-being and financial security. Improper handling of personal data can expose individuals to identity theft, fraud, and other malicious activities that can inflict severe and lasting harm on innocent consumers like myself. I believe that the actions of XXXX XXXX, acting on behalf of Drive Time Credit Corporation, not only breach fundamental principles of consumer protection but also run afoul of federal laws and regulations governing data privacy and debt collection practices. As the agency tasked with safeguarding consumer interests, the Consumer Financial Protection Bureau ( CFPB ) holds a crucial responsibility to ensure that both XXXX XXXX and Drive Time Credit Corporation respect and uphold the privacy rights of individuals. Therefore, I urgently request that the CFPB prioritize this matter and conduct a thorough investigation into the following issues : Examine XXXX XXXX XXXX improper collection of personal identifiable information from me and any other individuals without proper consent or a valid reason, as this infringes upon my fundamental right to privacy. Investigate Drive Time Credit Corporation 's involvement in this matter and assess its responsibility for the actions of its third-party contractor, XXXX XXXX. Determine if XXXX XXXX XXXX actions, in conjunction with Drive Time Credit Corporation 's involvement, constitute flagrant violations of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws, which exist to safeguard consumer privacy and ensure ethical debt collection practices. Take decisive enforcement actions and impose necessary penalties if it is found that XXXX XXXX and Drive Time Credit Corporation have engaged in unlawful or deceptive practices that undermine consumer privacy rights. Implement stringent measures to ensure that XXXX XXXX XXXX Drive Time Credit Corporation, and other entities within the consumer financial industry comply fully with all relevant consumer protection laws and regulations, particularly those related to consumer privacy. I implore the CFPB to approach this complaint with the utmost urgency and gravity it warrants, considering the profound implications on consumer privacy and rights. I eagerly anticipate a swift and comprehensive resolution to this matter, which will reassure consumers that their privacy is genuinely respected and protected.
09/11/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 300XX	Web
Drive Time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Cease and Desist, Demand for Full Compensation, and Legal Action Notice I am writing to express my deep dissatisfaction and concern regarding the recent actions and business practices of Drive Time XXXX XXXX XXXX XXXX. It has come to my attention that your company has engaged in a series of unlawful activities, including the unauthorized sale of my vehicle, noncompliance with licensing requirements in Georgia, and fraudulent actions that violate the terms of our contract. This letter serves as a formal demand for immediate rectification, full compensation, and a cease and desist of all illegal activities. Firstly, I, as the holder in due course of the vehicle contract, demand that Drive Time XXXX XXXX XXXX XXXX immediately compensate me for the full value of the vehicle, including the gap amount that was paid off. Your company 's unauthorized sale of the vehicle to a salvage firm for approximately {$5000.00} is a clear violation of our contract and is considered illegal. I expect full reimbursement of the vehicle 's value, which was agreed upon in the contract, without any further delay. Furthermore, it has come to my attention that Drive Time XXXX XXXX XXXX XXXX does not possess a valid license to conduct business in Georgia. This lack of proper licensure raises significant concerns about the legitimacy of your operations within the state. I demand that you provide evidence of compliance with all applicable licensing requirements in Georgia. Failure to provide satisfactory evidence will be construed as an admission of noncompliance and will be reported to the appropriate regulatory authorities. I also assert that Drive Time XXXX XXXX XXXX XXXX has engaged in fraudulent practices that refute the principles of our contract. Your company 's sale of the vehicle to a salvage firm, despite the contract being in full force, is a clear violation of our agreement. This illegal action has caused significant financial and emotional distress. I demand that you explain and rectify these fraudulent practices immediately. Please be advised that I am prepared to take legal action to protect my rights and seek appropriate compensation for the damages incurred. I have retained copies of all relevant documentation, including the vehicle contract, correspondence, and any other pertinent records. These documents will be utilized to support my legal claims against Drive Time XXXX XXXX XXXX XXXX. This letter also serves as a formal cease and desist notice. I demand that Drive Time XXXX XXXX XXXX XXXX immediately cease all illegal activities, including the unauthorized sale of vehicles and any other actions that violate the terms of our agreement. Failure to comply with this cease and desist notice will result in further legal action, including filing complaints with regulatory authorities and pursuing damages through litigation. I expect a written response to this letter within [ reasonable timeframe, of 14 days ] from the date of this letter. Your response should address all concerns raised, provide evidence of compliance with licensing requirements, and outline the steps taken to rectify the situation and compensate me appropriately. Failure to respond to this demand within the specified timeframe will leave me no choice but to pursue legal remedies to protect my rights and seek full compensation for the damages incurred. This letter is not intended to be a complete or exhaustive statement of my rights in connection with the matters involved. I expressly reserve all rights and remedies available to me under applicable laws and regulations. I strongly urge you to address these concerns promptly, cease all illegal activities, and provide full compensation for the damages caused. Failure to do so will result in severe legal consequences and significant damage to your company 's reputation.
06/04/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	VA 23602	Web
Re : Complaint for Drive time Car Payment Credit Bureau ReportingTHE PROBLEM : Today, I was informed that there is a problem with re-reporting my car payment to the credit bureaus from Drive Time Financial by their own customer service. Specifically, I spoke with XXXX in Customer Service, who is a supervisor. I was told that XXXX supervisors above her rank were in XXXX for a company event ( XXXX XXXX and XXXX ), but I could email their address with my complaint. So, I decided to write my letter once ( because it is extensive ) and address all parties involved ; including the FTC and Consumer Financial Protection Bureau. I was asked to contact them per the credit bureaus whom I spoke with directly at XXXX and XXXX ; whom I also asked to report this incident, while opening an investigation. ( So, please forgive if there are any typos within the document below, as I am a XXXX student and single mom, who had to drop all that she was doing in order to send this letter because I was so upset by this matter ). What is not clear within this conversation is 'why ' I was denied a reporting of my payment, due to a bankruptcy ; even though I have had this payment for over a year with initial reporting. Also, the paperwork clearly stated from the original Drive Time location that this would NOT be included within the Bankruptcy. And, in fact it is impossible for it to have been included ; as my bankruptcy attorney knew nothing of this account. In fact, it was reported AFTER the bankruptcy to the credit reports for several months and then abruptly stopped. This was a post-bankruptcy car loan ; which makes no difference. In fact, I do n't even know how anyone except for the originators of the loan would even have any information about Bankruptcy ; as this was the only time I have ever needed to mention it. And, it would be expressly illegal to state that a company can re-review a customer 's credit file periodically without their permission. Therefore, I am deeply confused about how the customer service representative knew when I called today. In addition, she stated that Drive Time had just 'found out ' about the Bankruptcy two weeks ago. I am unsure of what that means, as this would be against Federal credit law, if it had n't been included in the original paperwork. In addition, I asked for this situation to be investigated over 2 months ago with their customer service, and constantly got the run around. I spoke also with another supervisor there today ( XXXX x XXXX ), who reluctantly finally told me the truth. This truth was that supposedly ALL bankruptcies ( even those from before customers acquired their Drive Time car payments ) would NOT be allowed to have their particular payments reported to the credit bureaus. DRIVETIME CUSTOMER SERVICE 'S HANDLING OF THIS ISSUEI am unsure of if the customer service agent was supposed to have told me this before she transferred me, but XXXX confirmed that it was Drive Time 's new policy after they had " updated '' their system in XXXX of 2014. This was when they had originally stopped reporting. This was also the first time that I had been told this after almost 3 months of calling. And even then, I was given at least XXXX different reasons for this happening. The first was that the new system would NOT allow for this to be reported and that NOONE there could figure out actually HOW to do it as of yet. It has been over 9 mos., so I doubt that. But, this is exactly why also ( supposedly ) that the only way I could get ANYTHING in writing regarding this new policy ( period ) was to have a " credit letter '' sent to me by the credit department, stating that I was making payments. However ; there was no 'definite ' time period for when they could EVER report for anyone who has had a bankruptcy, even before they had their car payments. This is an unbelievable credit discrimination case.
05/23/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	IL XXXXX	Web
I initially filed a complaint against Drivetime XXXX XXXX and during this time I have communicated with them and have discovered some things I believe are illegal and frauduently. During my talks with Drivetime I discovered they put out a repossession out for my vehicle the same day they received my complaint which I believe is in retaliation and in violation of Illinois Consumer Fraud Act. 815 ILCS 505 and makes them liable for damages. Drivetime has behaved in a way that businesses should not behave when dealing with legitmate comcerns or complaints. During this time it was revealed that my account was sold and Drivetime no longer was the creditor of my account and they have yet failed to disclose who has my account. I have security alerts and fraud protection on my credit as I 'm in the process of trying to rebuild my credit and know that hard inquiries can be very negative as they are an important part of your credit. Upon receiving an email alerting my to a change on my report I 'm quite shocked to discover that Drivetime has pulled my credit report resulting in a hard inquiry. I have not given Drivetime permission to pull my credit or any authorization to do anything with my credit and cause m y credit score to dr op. Since I have filed my complaint against Drivetime they have and are continuing to do illegal and frauduently activities to retaliate against me and have made themselves liable for any legal actions that will allow me to remedy this situation. Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. The Fair Credit Reporting Act and some state credit reporting laws set forth the basic rules that protect your credit information. These laws allow only certain entities to gain access to your credit report in certain situations. They also restrict how your credit information can be used. Sometimes individuals and businesses pull your report when they have no legal basis to do soand this is called having an impermissible purpose. If the person requesting your credit report does not have one of the permissible purposes, then your credit report is off limits. If you believe that somebody wrongfully pulled your credit report, you may be able to sue them in state or federal court for damages. I have fraud alerts set in place that if any activity occurs on my account I 'm notified and any application for credit the company must contact me to take verification steps. I do n't know how Drivetime was able to pull my credit report as I was not trying to obtain any form of credit with them and I have alerts in place. Drivetime is being very malicious in the ways they have repeatedly handled this situation since I 've filed my disputes. Drivetime has come up with their own set of rules that are invalid or did n't exist prior to me filing a complaint. In pulling my credit report Drivetime was to use my information as an unfair advantage in negotiations. In violation of the FCRA I 'm entitled to damages including punitive because Drivetime is deliberately trying to use illegal and fraudulently tactics when trying to come to a settlement regarding this complaint. Consumers should n't feel threaten or fear when filing a complaint against a company out of fear they may face repercussions. I felt threaten and it was an intimidating experience when talking to Drivetime regarding my vehicle as I was repeatedly told that if I did n't meet his terms they would put out a repossession for my vehicle. In filling my complaint I was hoping to get a resolution and not have my life invaded fraudulently, repossession, and causing harm to my credit as I try to rebuild something that is so sacred.
01/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	MO 63136	Web
Drivetime dealership sold me a car and gave me no option to refuse a downpayment which it is not mandatory in order to finance a vehicle. Also, the finance charge is incorrect due to the sum of all charges wasn't taken into consideration. It is illegally to engage in a cash transaction involving a consumer 's credit. I never gave written permission to furnish any data on my consumer credit profile which a violation of " Federal Law '' due to congress. 15 U.S. Code 1662 - Advertising of downpayments and installments : No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. ( Pub. L. 90321, title I, 142, May 29, 1968, 82 Stat. 158 " Truth in Lending Act '' violations include the following practices on the part of lenders : Unfair credit billing ; Unfair credit card practices ; High-pressure sales ; Misrepresentations ; Failure to disclose necessary information about a loan. Lawsuits Under the Truth in Lending Act ( TILA ) T'he Gramm-Leach-Bliley Act '' requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 15 U.S. Code 1611- Criminal liability for willfu l and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 15 U.S. Code 1681a - Definitions ; rules of construction Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection
05/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 36575	Web
I had XXXX contracts with Drive Time, formally known as XXXX. The first agreement was on a recalled vehicle that had too many issues that Drive Time was not willing to repair. I was offered a replacement vehicle, thus starting a new contract. Within 5 days of an agreement, you can return the vehicle " no questions asked '' ; however, when I tried, I was informed that U was past my 5 days, which I was not with the new contract. I was also never given my paperwork for the second vehicle at all. I was never informed of my interest rate, but was told it would be the same as the prior agreement, which is legally not the case as the payment dates are different. I contacted several times, even emails asking for the information from the managers, and never received anything from the call center or actual managers at the dealership. I had an XXXX in XX/XX/XXXX and lost my job prior. When I gave XXXX notification, I was told when I stop working to claim hardship. when that happened, they said I could not do that. I was then informed I could not do so until I XXXX. I had the XXXX, had XXXX, was in the hospital over a week, and they kept harassing me. Being that it was a loan, I asked if there was forbearance options and that was when I was informed of the extension. I was also told that I would not receive phone calls and the agreement was fine that they add a months worth of payments to the end of my loan ; however, that was not the case. They kept calling and calling saying I was behind. I borrowed money to be current, but stayed two weeks behind for a month or so ( due to having bi-weekly payments ). A year later from the contract date, I assume, my vehicle was stolen. I had to pay for my car until the claim was paid out. The claim was done within two weeks. No one even tried to look for the car. Per agreement I had paid extra for Drive Time, there was suppose to be a GPS linked to the vehicle in case of theft. The GPS did not work. I told them my locations and even had a detective involved, and their end was not held. They could not locate my vehicle prior to theft and the reporting of it 's locations a week or two prior to theft were inaccurate. It stated I was in another city ( at my fathers house ) when I have proof I was at work. I also mentioned I went to school and work the day prior to theft, and there was nothing supporting that. Drive Time is withholding money they owe me. I am risking my job to receive my funds. I was told the check would be overnighted at least 4 times, by XXXX different managers. When I ask to speak with accounts payable, I keep getting a fake number or transferred back to customer service. I was just on a phone call for One hour, almost 20 minutes trying to get a resolution. I asked from the very beginning of each transfer that I needed accounts payable and no one transferred me correctly. I kept getting different aspects of the cust.service depts. I spoke with XXXX, who said she was a manager ext XXXX per what I was told who transferred me to XXXX, who is apparently a front end cust. ser. sup?, then was rudely transferred to XXXX, also a cust.serv. manager!? XXXX was of no help, whatsoever, and said she emailed the department. This call should have been escalated and documented as a complaint. I do not feel she is compliant. I work for a company that also has to follow CFPB regulations, in which I do not feel this company is! I have other names written down if needed, but all contact of who I have spoken with should be documented into the account. Prior my first transfer on this hour long call, both representatives who answered did not ask for my account information or verify me! They have no issue harassing me for money in critical condition in the hospital, but have a hard time sending me funds they owe me, which is illegal, and has been over a month
07/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78130	Web
I purchased a XXXX Chevy Trailblazer from DriveTime in XXXX XXXX and paid on it for approximately 5 years. In XXXX XXXX, DriveTime said if I did n't pay them a lump sum of almost $ XXXX, they would repossess my vehicle because my maturity date expired in XXXX XXXX. Under the threat of repossession for an almost paid for vehicle, I had no choice but to purchase another vehicle from DriveTime, so I traded it in and bought a XXXX Chrysler Aspen, being advised that it would improve my credit since I had paid off a vehicle. In XXXX XXXX, I noticed that the previously paid for vehicle was no longer listed on any of my credit reports, so I contacted them immediately to have it corrected. I was advised by XXXX in their customer relations department that the information had been purged from all XXXX bureaus in XXXX XXXX, and they were only able to correct it/reinstate the trade line with XXXX, but not the others, she would email their credit reporting department and follow-up with me once it had been corrected, which could take XXXX days. I made numerous follow-up requests by telephone and email since XXXX XXXX to have it corrected, but it 's still as if the transaction never occurred. The most recent contact I had was with a XXXX XXXX in customer relations, and I explained to him that I felt I had no choice but to file a complaint since I had exhausted all my efforts to have it corrected, advising that DriveTime ca n't just sweep this under the rug by simply changing their name to XXXX. He assured me he would be personally handling it and was confident he could have it resolved but I never heard back from him to date. In XXXX XXXX I fell behind on the XXXX Chrysler Aspen but maintained frequent contact with DriveTime, the last being with XXXX on XXXX/XXXX/XXXX, who assured me she was handling my account and we could work on bringing it current as long as I made the payment on XXXX/XXXX/XXXX. I expressed my frustration over the excessive phone calls from multiple call centers, emails and texts but at no time did I request to be placed on a " do not contact '' list. She apologized but stated they would continue until the account was current. I made the payment we discussed and had no further contact with DriveTime until today, when received a credit monitoring email alert and learned XXXX had charged off and closed my account without notifying me. Obviously in disbelief, thinking it had to be an error, I contacted customer relations to speak with XXXX, but he was n't available, so I spoke with another representative who transferred me to the charge-off department. I spoke with XXXX and a manager, XXXX XXXX, who advised me that XXXX XXXX had placed me on a " do not contact '' list, the vehicle had been charged off, the account was closed for non-payment, and they were within their rights to do so without notifying me in any manner. I explained that I never requested to be on a " do not contact '' status and was n't sure it was even legal for them to charge off and close my account with notifying me since I still had possession of the vehicle. XXXX XXXX said there was nothing they could do to change the charge off/closed status and advised that even if I pay the required {$2300.00} to retain the vehicle and continue making payments, the charge off status will remain on my credit report. DriveTime ( now XXXX ) has been negatively impacting my credit since at least XXXX XXXX when the paid for vehicle was purged from all XXXX bureaus, making it impossible for me to purchase or refinance my current vehicle, which they have still not corrected. DriveTime has already paid an XXXX fine but is still using the same deceptive trade practices under the name XXXX and should be liable for damages to the consumers they are negatively impacting and preventing from purchasing vehicles elsewhere.
01/12/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	DE 197XX	Web
On XX/XX/XXXX I went to the Drive Time Dealership located in XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I initially spoke with the Drive Time representative XXXX XXXX. XXXX who also showed me several different vehicles to choose from. I expressed to the sales representative that I was in the market for a reliable vehicle that would be suitable for my clients as a business owner and for my new employment experience as a driver with XXXX XXXX. I was shown a XXXX Dodge Nitro and the sales representative took me on a test drive with the vehicle. After the test drive I expressed to the sales representative that I was not interested in the vehicle due to the age and rust on the bottom of the vehicle. I also expressed that the vehicle performance did not feel great. I was also shown a XXXX Toyota Rav 4 but due to some challenges with the battery I was unable to initialy test drive the vehicle. I and the sales representative went into the Drive Time sales office and performed a vehicle history check and analysis on both vehicles. Upon being initially impressed with the Drive Time offerings I expressed an interest in the Toyota Rav 4 and placed an initial vehicle hold /down payment of {$400.00} with the understanding that I was to return within XX/XX/XXXX to provide the balance of {$200.00} which was secure the initial down payment for this vehicle. I expressed that I wanted a quality vehicle due to the exorbitant interest rates associated with this transaction and that the vehicle to be purchased would be a lifetime purchase for me and my family. Prior to leaving I submitted all relevant documentation from my then employer and all other related information. I expressed that I would be back XX/XX/XXXX with the final down payment and insurance information to secure the vehicle. I returned on XX/XX/XXXX and provided the {$200.00} balance of the down payment as well as information regarding my insurance with XXXX. As a customer with Drive Time I examine the vehicle return policy and stated that I would give the XXXX Dodge Nitro a chance. Due to the initial sales representative being unavailable I then was placed with a new sales representative who helped to close the deal along with the sales Manager XXXX XXXX. XXXX. With the security that in the event that this vehicle was not suitable over all for my family, as a consumer I would have been allowed the allotted time to make a decision whether or not to return this vehicle according to the Drive Time policy and procedures and stipulations. During the vehicle inspection process I expressed several different challenges I found with the vehicle. The sales representative explained that due to the GPS system being installed in the vehicle that these electronic glitches were as a result of such a mechanism being placed into the vehicle. The first day of having this vehicle in my possession I ran into the challenge of having no way to get into the vehicle without the alarm going off after the securing to vehicle. The following day. I returned to Drive Time with the vehicle requesting thekey fob alarm system that should have accompanied the vehicle. The Drive Time sales manager informed me that the vehicle had only XXXX key. I informed the Drive Time representatives that do to me being the XXXX that does work with very prestigious clients in the XXXX XXXX area, XXXX XXXX, XXXX, and XXXX I would feel very uncomfortable going to a client 's home or place of business with this challenge being present. As a result of dealing with various federal and governmental agencies in XXXX and the various security measurements that are in place in the XXXX environment, I requested that this challenge be taken care of as I wanted a quality vehicle and a quality experience as I have a
05/28/2016	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	CA 90028	Web
Prior to getting Pontiac G6 on XXXX/XXXX/XXXX from Drive Time, my husband XXXX XXXX, had a Hyundai Accent also from Drive Time that broke down at XXXX miles bought at only XXXX miles which wound up being an unsafe car that we had to trade in for a different 'quality vehicle '. Unfortunately through Drive Time 's XXXX program the car 's minimum miles already on all the qualified cars started at XXXX plus. We liked the Pontiac G6 the best but the check engine light was on and we were told by the Sales person that it had been inspected but they had forgotten to reset it. We were reassured by her this was not a problem several times, which we now know is a BLATANT LIE and the main issue here. Ironically this check engine light is a HUGE RED FLAG and we should have never been offered this vehicle as we have recently found out from our local mechanic at XXXX XXXX several months ago since that violates the Smog Laws and is illegal to sell any car with check engine light on in CA. This transaction was illegal by California State Law and the Lemon Law on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX is the date I was signed onto Drive Time, joining my husbands account. The purpose was to refinance car to my credit union so we did not have to deal with unprofessional behavior from Drive Time ( breaking XXXX laws ) as they were already violating my rights and causing emotional stress. After coming onto the account which I was only doing to switch to my credit union to refinance, I found out there was a loop hole and my credit union did not take cars over XXXX miles and the XXXX was at XXXX miles at that time. To add insult to injury then we found out how bad this nightmare really was and now my husband and I were stuck. I found out right after coming onto account that the Pontiac G6 was on XXXX Recall lists for Brake issues that could not be fixed due to lack of parts by manufacturer by a letter dated in XXXX XXXX. Drive Time was ABSOLUTELY no help and neither was XXXX they acted like recalls happen all the time and they were no big deal. The truth is, it 's a very big deal and at this time there was a multi-million dollar lawsuit happening against XXXX ( XXXX XXXX ) and people were being killed by their cars, which only fueled the anxiety of driving the G6 Pontiac car they call quality. Repair Timeline : XXXX / {$250.00} XXXX Tread Tires XXXX / {$480.00} New tires ** XXXX/XXXX/XXXX / {$98.00} XXXX - New Battery XXXX/XXXX/XXXX / {$34.00} XXXX - Oil Change XXXX/XXXX/XXXX / {$76.00} XXXX - Alignment XXXX/XXXX/XXXX / {$520.00} XXXX - Drum Replacement XXXX/XXXX/XXXX / {$670.00} XXXX To pass Smog XXXX I join account to refinance w/her XXXX XXXX and is denied due to mileage overage loophole. XXXX Receive Recall Letter XXXX/XXXX/XXXX / {$31.00} XXXX XXXX Air Filter, Tire Pressure XXXX/XXXX/XXXX / {$820.00} XXXX XXXX XXXX XXXX XXXX Control Arms XXXX/XXXX/XXXX / {$75.00} XXXX - Jump car not starting XXXX/XXXX/XXXX / {$200.00} XXXX Rental Car since XXXX unsafe to drive on highway XXXX / {$100.00} XXXX - Why Check Engine Light on? Evaluation XXXX/XXXX/XXXX / {$1300.00} XXXX ( XXXX - XXXX/XXXX/XXXX ) Repairs Throttle Body, Catalytic Converter, Spark Plugs, Cam Sensor, solenoid TOTAL Spent {$4700.00} After all the work done as of XXXX/XXXX/XXXX the car failed a Smog Test due to an incorrect catalytic converter which was just recently replaced by XXXX XXXX XXXX in XXXX who had XXXX of their outsource mechanics fix the check engine light and the XXXX code issues that showed up at the diagnostic done by XXXX and XXXX XXXX XXXX source. I took out a {$2000.00} loan on XXXX/XXXX/XXXX to afford the {$1300.00} bill from XXXX XXXX XXXX and I am still left with a car that will not pass smog and now a mechanic suddenly claiming unaccountability. Please HELP!
10/28/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MD 21114	Web
XXXX Account Number # XXXX Do not know how many complaints I have filed they have been a lot. In response to previous complaint after speaking with XXXX XXXX on XX/XX/XXXX I was told nothing further can be done to fix any of my current issues that I believe are still genuine. After having my previous vehicle bought back from me because of mechanical/rust issues, the way I was treated and or helped to remedy something that was clearly out of my control and Drive Time control I am not surprised that I am still not happy with anything done up to this point. Granted I did take my frustration out on Drivetime through some nasty emails and correspondence which made them resend my offer of settlement that I was going to refuse anyway because in settling I would give my right to argue my point any further and we would both not claim responsibility for anything that has happened. I forget the date I was contacted by XXXX from Drive Time Customer Relations at such time so told me the offer would be taken off the table because I was never going to be happy with anything they would offer. Granted some of correspondence I was out line and I apologize but looking from my point of view everything they have done as a company has been done o protect themselves which is understandable but at my cost. I not saying the customer is always right but everything that has been done in reference to me lowering my interest rate which was raised by the dealership when signing for my new vehicle they understood what they were doing at the time and took advantage me because me not knowing what I was signing and getting into so for them to offer a settlement where I believe they only give me about a 1/4 of what is owed to me you can see why I would decline the settlement. They sent me my reimbursement check late on purpose so I would be inconvenienced and make another on time payment but be strapped for cash but to them that is just business. Everyone 's moral compass in this company must be so messed up it is amazing they can still be doing this to people like me in my situation with problem credit. Granted there explanation of how they report to the credit bureaus and they have nothing to do with how my credit score changes but because they had to buy my vehicle back from me some shady business practices I have not accomplished anything n the past year other than heartache and being out money which I will never see again. Want to be made whole. Granted the money I had paired into my other vehicle I wouldn't be getting back but after all of this I believe I should be entitled to something better than what was offered before because of there clear disregard for me the customer and the total disregard for my well being. I have no incentive to make any other payments onetime because of their actions and in a year of on time payments I have had nothing good happen because of this so by me not paying and having them repo it and take me to court I believe they will be found to have some shady business practices in the court of law and I'm at the point where I cant do anything worse than what they have already done to me over this past year. Clear disregard for my happiness I can't not take anymore and if nothing is done I am forced to take Drive Time, XXXX and CFPB to court and see what happens and if that doesn't change anything what could happen yes my credit up even more can do any worse. Backing me into a corner is not a smart decision to do because I'm unsure what the possible outcomes might be.
11/04/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32257	Web
I got a car through Drive time I am currently passed due on my acct i have gotten behind on a few bills due to a financial hardship i am aware i am behind and am working on trying to get caught up with the company ... each and everytime i can afford to or on my paydays i will send in a pmnt i am aware that the amt i am sending in does not add up to what i owe but i am trying anyhow each and everytime i call drive time 's customer service number the representatives on the other end of the phone are so rude and they interrogate you like they are the fbi asking personal questions like why did i get behind etc ... there is no compassion in their voice kindness or care for what people are going thru they give off a rude attitude with the intent to only want to get the debt paid ... with that bieng said because of the rudeness i allways end up having to hang up on them well today i called because i recieved an email from a XXXX XXXX at drive time she offered to help me in that email get caught up and stated i had options that i could take advantage of well when i called drivetime i specifically asked to spk to XXXX XXXX the representative on the phone basically told me he couldnt transfer me without an extension when i asked why was that he stated they had a bunch of XXXX working there and without an extension he couldnt transfer me ... i asked him why was that he stated they were a big company i asked him did they not have a company directory and he never answered that question ... he did however attempt to remind me that i owed my bill and was 102 days past due in again an attempt to get it paid i adv him i wanted to spk to XXXX the young lady who sent me the email and he refused to do that telling me he was going to transfer me to another department when i asked him why he was transfering me he couldnt give me a clear answer i asked to speak to a supervisor who then adv she was going to transfer me to the department who could let me speak to XXXX once i was transfered i could tell that the tone of the next representative was rude and i was not able to speak with XXXX XXXX again as she adv me that XXXX was no longer handling my account as of XXXX the first the representative didnt give me a quality assurance statement or mini miranda and neither nor did she advise wether or not the call was recorded i had to ask and when i did she said the call was bieng recorded when i told her she didnt advise me of that she said she didnt have to in a rude tone i then tryed to explain to her about the rude customer service i have allways recieved with them and that is why i never get anywhere when i call and that is why i dont call and i just send in what i can send in when i can afford it to avoid the harsh rude representatives and she began to get rude with me again she was patronizing me and was overtalking me and caused me to hang up she presented herself as if she just did not care as soon as the call started and put it in her head that she was not going to listen to me about anything i feel like it was all a setup they were not trying to help me or give me any options they just wanted me to call in so they could obtain my contact information with the intent to continue to harrass me and never really help me ... now i am aware of the amount if money i owe and i am aware of how many days i am behind and also aware that i am in a contract but that doesnt mean i deserve to be treated this way each and everytime i attempt to contact them to try to make a resolution on my account!!!
01/10/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 44125	Web	Older American
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX. from Drivetime XXXX, Ohio. The car fax indicated car had no history of acci- dents. Being a senior citizen I was looking for reliable fairly new transport- tation. On XX/XX/XXXX the front XXXX bumpers were disconnected from the body of ccar car. I immediately phoned Drivetime and was told to call the Warranty com- pany from which I purchased an extended service. I was told to take the car to ] XXXX XXXX where I was told they did not do this kind of work. XXXX told me that same day to then take the car to XXXX on XXXX. XXXX informed me after inspection that XXXX did not cover. However he was kind enough to bond both sides as a courtesy. This lasted approx. two month. XXXX XXXX also informed me and visually pointed out to me that the car had indeed been in an accident at some point. Someone had previously painted over to cover up scratches and dings. On XX/XX/XXXX I and my sister were perform- at our nephews wedding. Dressed in formal attire, the bumpers not only came aloo a part again as well as the plastic near wheel wells to protect from water in - undercarriage. It was horrendous that XXXX are on the berm attempting to XXXX glue car parts enough to get the car to safety. Drivetime/ XXXX was called on that Monday, and they agreed to have XXXX glue it with a h {$100.00} deductible. It stayed done for another month or so. There have been numerous problems with the car, however it does not qualify for the lemon law as I as it is a fairly new auto. Not other time has Drivetime/XXXX who I believe is one company has approved a repair. I have been to XXXX XXXX for me- canicle problems, denied. Recently the car went out of control. I was advised to to take auto to XXXX and found it was {$690.00} invoice for Stuts. I was de- nide. The car is a piece of junk. These are just a few of the problems. I have been consistent with upkeep, oil change, new tires, alignment etc. But I was in- formed that I did n't do enough because of high milage. I am retired. I drive to another city to visit my sister often due to her suffering a lose of family memb ber. I have since contacted XXXX and was given a case number when I ex- plain the difficulties I am having with the bumper etc,. I informed them that I had recently rented a XXXX XXXX XXXX and the bumper was disconnected as is my nieces XXXX XXXX. They are at least appearing concerned. I spoke with Drivetime on XX/XX/XXXX re : the latest problem and was told that al- though XXXX denied claim they wanted me to send in the receipts from XXXX, letter explaining problems and they would possibly be able to assist with repair. I have never missed a payment. I mailed it in and never heard anything else. On XX/XX/XXXX I called and they said it was never received and if it went to the address on company letter head, it was probably tossed. I gave the information over the phone and was told they would contact XXXX and get back to me in 24 hrs. Well needless to say, I have heard nothing. They come off as a real friend to people with credit problems but it is a front to get your business and then they drop the ball. It took me calling the XXXX on XXXX to get them to cancel that terrible warranty after asking since XX/XX/XXXX and of course they never got the written request. I am too old to have to fight fight with this company and all they ever say is " we 're reaching out to you '' Please help. I am stuck with an undriveable piece of junk that I pay {$410.00} a month for. Sincerely.
08/28/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 28262	Web
From my experience with DriveTime, there was absolutely no reward or pleasant service once I stopped the process and questioned why the price was {$2300.00} more than originally agreed upon. As long as you are giving them a huge lump sum of money and do n't read anything you are signing, they are all smiles in your face. But as soon as you notice a mistake has been made and dispute their practices, then you become a nuisance to them. As quick as my money was taken and applied to an account that now ca n't be identified, I watched how tables turned. Customer Relations are supposed to be the highest level, but it 's comical how there is no way to identify me, but they quickly assigned me an account # that was on my receipt when they took my money!!! I have spoke to several representatives, and they all ( with the exception of XXXX ID # XXXX ) have an attitude of offense from the time they answer the phone, which is probably because they can identify who is calling with caller ID. So this could very well explain why I usually get disconnected at least once when calling for a status about my refund. When I finally get through to Customer Relations department, I get someone with a condescending tone reading me a generic script that basically says I can not get any help. If this company is all about set standards and support as they posted on XXXX, then why have I NOT received my refund of my {$1200.00} down payment yet. The manager, XXXX, was quick to print out the 'Vehicle Reservation Agreement ' when I inquired about my refund, and even highlighted the section that stated I should be receiving my refund within 7-10 business days. She handed me this paperwork, and lied to me in my face and tried to get me to believe that the 'Vehicle Reservation Agreement ' was the documentation to show where I had already paid the down payment. I knew she was lying because the dates on the paper did not reflect when I came in and made the payments. It just goes to show that XXXX uses deceptive tactics and proves to me that this is very much a common practice. The only thing that I have received within '7-10 business days ' is a letter telling me that by law they had to report this transaction ( that did n't occur ) to the credit reporting agencies. The address conveniently omitted my Unit #, which is the excuse being used as to why I did n't get my refund check yet. I am highly upset, but at the same time very thankful and relieved that I did not purchase a vehicle with this company. From my research, I have discovered they harass customers, do not report payments in good standing and furnish inaccurate information to credit reporting agencies ; among a long list of other things. DriveTime 's mission statement states " Innovative Credit Solutions '' and " Outstanding Customer Service '', but this is far from the truth and what they really stand for. It is absolutely awful how they advertise and try to appeal to the very consumer who they take advantage of, which are generally people who are trying to re-establish themselves. In my opinion, this company actually has the worse management and similar ( if not the same ) customer service complaints in multiple states. They use unfair tactics all while retaliating against customers who have become distressed due to their wrongdoing. This posting is a warning to others so you will not have to go through what many people have already gone through. Please do your research!!
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30052	Web
I hope this letter finds you well. I am writing to dispute the information on my credit report related to an account with DriveTime/XXXX, with account number XXXX. Upon meticulous review of my credit report, I have identified numerous discrepancies that demand your immediate attention and correction, as they are in direct violation of the Fair Credit Reporting Act ( FCRA ). Inaccuracies and Violations : Repossession Status : The account status is erroneously reported as " Repossession '' with a balance of {$16000.00}. However, I must emphasize that this information is patently incorrect. To clarify, there has been no repossession of the vehicle in question. This misreporting violates the FCRA 's mandate for accurate and fair credit reporting. Unsubstantiated Past Due Amount : The reported past due amount of {$16000.00} as of XX/XX/2023 is not only inaccurately inflated but also unsupported by any evidence. This substantial discrepancy does not align with the terms of my loan agreement, nor does it reflect the payments I have diligently made. Such an egregious misrepresentation of my financial status directly contravenes the FCRA. FCRA Violations Identified : In light of these inaccuracies, it is crucial to highlight the specific FCRA violations observed in relation to this account : FCRA Section 611 ( a ) ( 2 ) ( A ) : Accuracy of Information - The information provided is demonstrably inaccurate and fails to meet the FCRA 's standard of maximum possible accuracy in credit reporting. FCRA Section 623 ( a ) ( 2 ) : Reporting Information with Knowledge of Inaccuracies - There is a clear lack of due diligence in verifying the accuracy of the reported information, as evidenced by the inflated past due amount and erroneous repossession status. Requested Actions : I respectfully request that XXXX conducts an immediate, thorough, and meticulous investigation into these discrepancies and takes the following corrective actions : Correct Account Status : Rectify the account status to accurately reflect my true financial situation. The account should not be reported as " Repossession '' when it has not been repossessed. Accurate Past Due Amount : Ensure that the past due amount is reported in compliance with the terms of my loan agreement and my actual payment history. Verification and Documentation : Conduct a comprehensive verification process with DriveTime/XXXX to substantiate the accuracy of the reported details, and provide documented evidence of this verification process. Timely Resolution : I am fully aware that the FCRA mandates a prompt resolution to credit report disputes, typically within 30 days. I implore XXXX to adhere to this legal timeframe diligently. Communication and Confirmation : Please furnish me with clear, detailed, and written confirmation of the actions taken to rectify these inaccuracies on my XXXX credit report. I want to stress the critical importance of accurate credit reporting, not only for my personal financial well-being but also for the overall integrity of the credit reporting system. I hold XXXX accountable for upholding the principles and laws governing credit reporting. Thank you for your immediate attention to this matter. I eagerly await your assistance in rectifying these flagrant violations promptly and professionally. I look forward to receiving detailed written confirmation of the corrections made to my credit report.
07/15/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92058	Web
Good Afternoon, Last year around XX/XX/XXXX timeframe, I purchased a car from Drivetime located near XXXX XXXX After driving the car for about a month I noticed the car was overheating. After checking the coolant level myself I put coolant into the car and after several days the car started overheating again. I than contact the car wwarrant company and was told to take the car in to the nearest repair shop to have it looked at. I took it to the service station on XXXX and was told that the coolant would not stay in the car and that the new brakes had been placed on rotors that needed replaced. After spending money to have what i though was minor repairs. The car continue to overheaat causing me to take it again into the shop. This time it had to have extensive work done to it. The head gasket had to be replaced, the belts, the themostat and several other things that cause me to have to utilize a loaner car until the dealership could contact the warranty company to see what they would cover. After about a month, I went to pick up my car and noticed that the check engine light that had been on prior to me taking into the shop was still on. At that time I was told to leave the car for futher diagnosing, after several days I received a car from the XXXX dealership informing me that the calytical converter need to be replace along with the battery and talso the alternator. After paying the fees that were out of pocket that the warranty company didnt cover. I fell so behind on my car payments and requested assistance from the car covers and was told that they would look into it. After XXXX to XXXX around the month of XXXX after giving the clear that everything was changed and fixed, I arrived in XXXX where the car statred to overheat again. I stop at a autoparts store and a technican after i purchased coolant came out to assistance me and my XXXX small daughters with putting the coolant in the car. He informed me that the coolant was leaking from the car and to have it looked at immediately. I arrived in XXXX safely and immediate after getting settled located an XXXX dealership and took my car in to found out that the coolant had leaked all through the car causing the catiliycal converter to go bad again and so they had to replace it and the belts again due to the leaking problem. After paying over XXXX dollars to get car out again. A month had passed and the car stopped again while at the gas stattion. Had to get it jumpped and was warned it might be an electrial problem and not to drive it. Drove it about a XXXX and then it stopped at the store and wouldnt start again with a jump. So the vechile had to be towed back to the dealership at the time I was informed to trade the car because the converter needed to be replaced and there were other problems that couldnt be seen and could be other problems that are unknow at the time.. Contact the company trying to get a resoultion and was told they woud not help me. I sent scra with order and was told no help would be grant. I also requested that it be removed off my credit report due to a request to have a security clearance. They are reprting a charge off and refuse to try and work with me. So on today XX/XX/XXXX I received a call from a rep to fill out a form to surrender the car. I can no longer afford to pay XXXX dollar for current repairs or aford to get stranded on the roadside with my family
03/10/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33071	Web	Older American
On XXXX XXXX I was driven by a friend to see about a Van I had looked at online the previous night. It was a XXXX Town & Country touring van fully loaded for the price of {$15000.00}. But it all of a sudden was no longer there, only had it disappeared they claimed they never had such a vehicle. They proceeded to show me many different alternatives. My friend left after 2 hours as they said they would make sure I got home. I was there till XXXX and finally decided on the Van they had wanted me to purchase from the beginning. This should have been a red flag, but I was so tired and I am handicapped and 70 years young I just wanted to get this over with. But they then informed me the Van was in XXXX so my salesman offered to go for it and pick me up the next day. The next day I was picked up and told them on our ride to dealer there was something not right, I told him was either brakes, rotors, or tirods, It was the brakes and rotors. They proceeded to repair it but I was then there another 12 hours plus. On the first day I gave them {$100.00} in cash told it, and was told I needed to paythe whole down payment of {$600.00} she asked for a check. But before this she kept coming to XXXX 's desk saving she had to make some adjustments because my funds were from XXXX and they needed to reflect this. I told her everything was packed in storage but I may have one check with me, but I said I cs n't give you this as my account is on hold due to identity theft and it would not go through. she just kept saying they do n't take post dated checks. I said its not post dated I said do noy process it I will bring you cash tomorrow when I pick up Van. Please an let her an salesman look at my account online, XXXX said do n't worry it will be ok. So when they picked me up the next day I had the cash with me I told them that at he said wait till we see whats wrong with XXXX. But I said how long will this take do you just want to pick me up tomorrow, he no it should not take to long well 12 hours later, we took it for a test run it performed fine. He made me go over everything on Van checking that everything worked and I had everything that was on his check list. After that he set me up in lounge with my feet up as they were very badly swallown. Then everyone left but XXXX the manager and I, but just before I got up to go sit with her to start signing papers XXXX came to me and asked for the money and did I bring it, I said yes an counted out {$500.00} in {$20.00} bills. She then left me and XXXX an I finished everything up. When we were done she walked me out as no one else was there. We checked to see if the automatic lights off/on worked, then I left. My first payment was set for XX/XX/XXXX. Then got phone calls like a month later saying my check bounced I said she was not tl put check through and I gave her an additional {$500.00} in cash and said rip up the check. Now I have been harassed over an over, every time they call it is someone different, I have told the same story so many times now. Today I faxed them the bank statement where I with drew the funds. But I believe the person XXXX who first kept changing the paperwork and took my money either misplaced it or just kept it and put my check through knowing it would come back. They keep threatening to repossess the vehicle. I will take this to the supreme court if I have too.
04/29/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75216	Web
Drivetime sold us a lemon. There have been over XXXX repairs starting from the second week we had the vehicle. We then discovered major rust INSIDE THE SEATS of the vehicle and advised them of this. They sent us to XXXX places to have them look at it. First they had us take it to XXXX XXXX. They confirmed there has either been water inside the vehicle at some point or it was under water. Well ironically they could never get the report from XXXX XXXX supposedly although we have our copy of the diagnostic report. So they then had us take it to XXXX XXXX and their report basically reiterated the same issues and they were not happy with that. So they then had us take it XXXX ( why I do n't know, they do auto body repair ) and when I arrived they looked at me like I was crazy when I told them why I was there and said they did not handle issues like that. I advised I was told to take there and I was leaving it there and for them to work that out with Drivetime. It was there for over a week then I received a call from Drivetime they called XXXX and they said my 2006 XXXX XXXX was not even there! I advised it was unless they gave it away ( of course I would never be that lucky! ) I guess they then found it and called me and told me a 3rd party was going to look at it. Keep in mind this now been over 3 weeks without the truck AGAIN!!! I then receive a call a week later ( now we are at 4 weeks ) that the third party only found surface rust that is normal for a 10 year old vehicle. IMMPOSSIBLE!!!!!!!!!!! The inside of the seat is exposed and it is completely, that is not surface rust, plus there is mold! Drivetime continues to tell me what the report said! So I ask did they provide pictures? And they said no, only the report. So I ask could I send the pics that I have and I was advised no they had to come from a facility or 3rd party ( how convenient )! When I went to pic the truck up from XXXX and ask for a receipt they advised they only stored the unit they did nothing! They apologized again but advised there was nothing they could do because they are a body repair shop and did not understand why I was directed to bring it there. They also stated the 3rd party would not talk to them and that they saw the rust in the seats that were exposed and that is not normal. AGAIN IT HAS BEEN UNDER WATER OR WATER INSIDE THE VEHICLE! They also stated that could be the reason all the mechanical trouble we have had from week 2 of getting it and that Drivetime is trying to not take a loss and basically giving it to me and I need to not let this ride. I totally agree and feel like they purchased a bad vehicle and just do not want to take a loss at me expense! Not going to happen!!!! They had us take this truck to 3 places until they got the answer THEY wanted! Not to mention all the issues I had had with the past mechanic that they SUGGEST you take it to in order to pay your {$100.00} deductible. I am in shock that I can not provide my proof which are photos but I am expected to go with what your 3rd party says in the report that did not provide VISUAL proof! Bottom line I was sold a lemon and they refuse to make this right! Not to mention the trip to XXXX XXXX cost me {$160.00} out of pocket and {$50.00} out of pocket to XXXX. Only to be told it had to had to go to XXXX!!!!!
10/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	PA 19149	Web	Older American
My hand perspective of my son 's initial complaint filed on XXXX is reflected in this Affidavit of amendment. It is worth noting that " Notice to Agent is noticed the principal, notice the principal is notice to Agent. '' On XX/XX/XXXX, I completed an online credit application for Drive Time Inc. and provided my personal information. XXXX. Shortly after, I received an email stating that my application was approved for a car loan ( Approval # XXXX ), and was directed to a webpage with a list of cars and their down payment options. XXXX. The webpage displayed a range of down payment amounts from XXXX to XXXX for each car. XXXX. After initially selecting a cream-colored XXXX and XXXX XXXX XXXX XXXX XXXX which was unavailable ), the dealership manager suggested I explore other options. XXXX. Eventually, I settled on a XXXX XXXX XXXX but was informed by the manager that, based on my income, my required down payment would be {$13000.00}. XXXX. I expressed my concern to the DriveTime Salesman regarding the steep down payment and my inability to afford it and also questioned its legality. Point XXXX. I hold the view that even in cases where there is a down payment, the amount should be mutually discussed by both parties and not arbitrarily determined by XXXX. Point XXXX. XXXX XXXX made a false statement about the DriveTime Dealership Policy stating and I quote No cash, no deal, whatever they tell us to do we do it, I believe that is a violation of my right to trade and my constitutional protected rights as a consumer. Point XXXX. I made it clear to the salesman at the dealership that I am retired and depend on a Social Security check. I also mentioned that I have worked diligently throughout my life and therefore deserve equality and respect as an American citizen, without any discrimination or violation of my rights. point XXXX. In my opinion, the dealership staffers are using coercion tactics to compel individuals to fabricate information in order to secure an installment plan, even if their credit has already been approved. Point XXXX. As a fact, it is not tolerable for dealerships to involve themselves in unethical conduct, such as enforcing down payments and pressuring clients to falsify income. Point XXXX. I am standing up for myself and reporting any illegal actions taken by these dealerships to you, CFPB, for that very reason. XXXX XXXX. The behavior exhibited by the dealership in this instance is worrisome and has caused me significant emotional distress and skepticism. It is crucial for someone to ensure they are held responsible for their illicit and unethical actions. XXXX XXXX. I refuse to agree to any covert or undisclosed provisions of one-sided contracts that are imposed upon me without my will or consent, with the intention to oppress me and make me subservient to someone else 's unpaid obligations. Point XXXX. I am in search of a solution, which is for the automobile, with the title in hand under my name, XXXX XXXX, to be handed over to me along with a written apology from the DriveTime Salesman and the management team for the embarrassment and tension caused. I affirm that this affidavit has been written to the fullest extent of my knowledge, with the help of XXXX. Sincerely, XXXX XXXX XXXX XXXX.
04/05/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AZ 85017	Web
My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX. # XXXX XXXX, AZ XXXX. ( XXXX ) XXXX XXXX After speaking with a few dealerships within the XXXX XXXX AZ XXXX, the XXXX XXXX XXXX associated with VIN XXXX should have never had been financed to me as the negative equity is {$9400.00} if you use the middle trade in value of the range of $ XXXX which is {$7600.00} and subtract the middle trade in value from the current trade in payoff value which is {$17000.00} ( {$17000.00} - {$7600.00} = {$9400.00} ). The way that the financing is now is that I would be buying two to three used cars instead of one if the loan were to be paid off today, XX/XX/XXXX. Also, the key fob is severely defective. During the early part of XX/XX/XXXX, when I turned off the car and withdrew the key and it's fob from the ignition, the key fob bit remained within the ignition switch. Luckily I fished out the key fob bit and was able to anchor it to the rest of the fob. I thought I had repaired it but had not. During the mid-part of XX/XX/XXXX, the epoxy had cracked and the key fob bit flew about the interior of the car upon removal from the ignition. Luckily, I was able to find the key bit because I had the windows rolled up. I can not afford to purchase XXXX new key fobs that would total over {$700.00}. I have currently anchored the key bit in place with XXXX XXXX, but there is not guarantee that this is a permanent remedy. This is the second car I have financed with XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The first one was a XXXX that traded in at XXXX XXXX XXXX XXXX. A {$50.00} car part was replaced by me so that the car interior would not build up with gas fumes and/or gas liquid that can be ignited by a lighter or spark. I have paid a current total of {$5200.00} for this vehicle. Since owning the vehicle people have brought it to my attention that the car could have been involved in a governmental repossession involving the concealment of XXXX or XXXX. The top area of the transmission XXXX has been bent in a way that could hide a small amount of these drugs. I though XXXX had constructed a pencil holder. This is the second car that has had severe mechanical issues that XXXX has helped me to finance from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The first one was a XXXX that traded in at XXXX XXXX XXXX XXXX. A {$50.00} car part was replaced by me so that the car interior would not build up with gas fumes and/or gas liquid that can be ignited by a lighter or spark. I can not and will not turn my head twice to having two separate vehicles with such repairs being made. I have paid a current total of {$5200.00} and will have paid a total of {$5400.00} if the next payment is processed on XX/XX/XXXX. My local XXXX has been incredibly slow in helping me to remedy this situation as it has been over two weeks since I reported this issue. The telephone number of the local XXXX handling this case which is numbered XXXX is ( XXXX ) XXXX and the last known name of the XXXX employee handling this case is XXXX XXXX who can be reached using the email address of XXXX XXXX
03/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL XXXXX	Web	Older American
I contacted Drivetime on several different occasions regarding a car loan I had with them account # XXXX i do not have the number for the other loan that was removed also from the credit bureau with a positive credit rating that was closed and paid in full. The company insisted on avoiding an agreement entered into by myself and XXXX of their company representative in a corporate position they have the agreed upon resolution and can provide your agency with a copy of the same because i do not have the capability to do so with my computer. Drivetime during the month of XXXX XXXX removed my credit reporting information from XXXX credit bureaus reporting agencies I believe XXXX and XXXX XXXX I discovered in or about XXXX XXXX that my positive credit ratings were no longer in the XXXX and XXXX credit bureaus and that another positive account for another car loan was no longer reporting in my credit file. these removals adversely affecxted my credit ratings and as such my ability to purchase something with a lower interest rate. I have never missed a payment to the Drivetime company on my car loans inclusive of XXXX XXXX XXXX XXXX different auto loans and for them to destroy my credit ratings is despicable. I spoke with XXXX today ( XXXX/XXXX/XXXX regarding those issues and his response to me was that Drivetime is now in the process of updating all consumers credit files and all of the consumers credit files were removed from the credit bureaus and is being updated however he does not know how the process is being performed who 's records are being updated/ corrected and what process or timeframes this process will take and furthermore does the process involves all consumers credit reports or are they updating reports for existing customers again which would not apply to me because my loans have been paid off and are closed however they did the same thing to my credit reports. Therefore the process would leave me with no credit ratings for accounts that I have paid off in good faith and never missed a payment in doing so however they kept trying to report my latest account as a repossession and or account was not satisfied I had them make the corrections and now back in XXXX or XXXX of XXXX I discovered yet again they tampered with my accounts by removing my positive information from the bureau for the account paid off in XXXX and for the account prior to that XXXX removed it from the credit bureau entirely and left the XXXX account in XXXX bureau I believe in the XXXX credit Bureau which was the same method of operations that has done to the existing consumers. Therefore Drivetime Representative XXXX gave me erroneous information about my accounts and for those reasons I am submitting a complaint to the Consumer Financial Protection Bureau based on the ruling implemented in terms of enforcement against the Drivetime XXXX XXXX for their violations of consumer rights dated XXXX XXXX, XXXX which is what they did to me in XXXX XXXX XXXX and prior to those dates in XXXX.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	OH 45014	Web	Older American, Servicemember
I can no longer face the high expense of trying to cover my XXXX XXXX XXXX. I have been vandalized twice in my apt . complex and I have for the second time reported to my car insurance companies and they are continuing to cancel my auto policy due to the high theft of the car. I have decided to stop facing the unnecessary pressure and have decided to do a voluntary repo with the car I purchase because I can not get insurance companies to cover and if they cover the rates are too expensive for me to keep covering. This constant cost of getting car ins. issue has already caused me to be 2 payments in the rear of the car. I can no longer bare the expense of trying to keep a car I can not get insured to drive. I am asking your agency to intervein and contact XXXX XXXX to assist me in asking the company not to list as a repo on my credit reports. I had no choice but to allow the XXXX XXXXto come recover their car. I can no longer take the financial risk anymore of the car getting broken into and or stolen. The first time on XX/XX/XXXX contact XXXX XXXX co, refuse to cover to fix trunk lock because of theft situation on XXXX I can only get state mim of liability to drive, not good. no coverage for theft. the rear trunk was broken into the lock of my trunk was broken, thieves apparently tried to go thru back seat to get into the car to steal the car, seats were locked and my neighbor was pulling into a parking space in front of our XXXX XXXX XXXX, that apparently happen to spooked the first thief. Back on XXXX XXXX, XXXX another person tried to steal my car and another neighbors car a sonata in my same XXXX XXXX XXXX I live in car that live where I live. My driver side windshield got crack and the driver side door was scratch up really bad from the thief trying to get into the driver side to steal my car. I have had it. so, I decided to give car back car to bridgecrest ( Drivetime ) not worth it. How do my credit not be penalized for this. spoke to XXXX on XX/XX/XXXX and was informed that car will be sold on XX/XX/XXXX they will contact me for the balance of the car due, its not fair for this car to be listed on my reports as a repo due to what I am having to deal. What can I do as a consumer under the fair credit act? I have no issue paying off balance after XXXX sales the car. but its totally unfair that I can not get another car. I should not have to suffer as a consumer for this car theft world wide problem. I just can not saffrod to have the car stole and keep vandalized for a XXXX time. Its not my fault as a consumer that these cars are being stolen.I am asking your agency to help get this issue solved and while its being solved I should not have repo listed on any of my credit reports due to this car theft problem. Im willing to finish monthly payments until I pay off the XXXX after car is sold.but its not fair to trash my credit reports over this. I sould indeed under fair creidt act be allowed to buy another car without being penelaized.
09/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MD 21114	Web
On XX/XX/XXXX I toched base with XXXX from DriveTime to discuss what considerations goes into determining my final interest rate on my new vehicle loan after having my other trade deadline deleted because of the issues I was having with my prior vehicle. After explaining what had happened it was brought to my attention that my credit score went down in the span of 6 plus months which is not unheard of and can take some responsibility for that of course but as a company trying to take care of its paying customer is where they are lacking severely. I'm being punished because of my lack of knowledge of lending so if you are looking at it from my prospective because of my lack of knowledge of how lending works and their unwillingness to help me get out of my vehicle at the time I had to try other avenues to try to get out of set vehicle with out hurting my credit which is my whole goal in the first place and after they offered me to buy my earlier vehicle back steps I had taken before actually hurt me. SO from my point of view they bought a vehicle back that should have never been sold to anyone in the general public and made out yet again because of mistakes I had taken not knowing any better they are now making over {$500.00} over the life of the loan when I had actually financed {$100.00} less then my prior vehicle. In the past 6 months to a year I have accomplished nothing but heartache and credit going down because of the miscommunication between both me and XXXX/DriveTime. How is any of this far. I have on record them stating the reimbursement check they sent to me promised to be to me at a certain time wasn't to deliberately make me slip up and make a late payment which I haven't. The lack of help I have been given this far is amazing they are still able to do business but like other responses on record they are covered by letter of the law or so it seems. I know the CFPB cant act as a governing body but should be able to set something right. I plead with You I have done everything correctly and can admit my faults in my case. I haven't done anything to cause harm or ill will towards XXXX/DriveTime but seems like I have too because the system is broken. Alot of consumers are unaware of the CFPB and am surprised I am still having to summit complaints about company that has been fined by you in the past for doing the same questionable business decisions. What am I to do? I have 145 bi weekly payments to make to them make it living XXXX like it has been for me this past 6 plus months. I would stopped filing complaints if they just did one thing they had promised me they would do which at this point they have failed horribly. For Example : When I was offered reimbursement check and was lied to about its actual arrival time. Do you now how it feels to be a grown adult and being assumed and treated like Im less than nothing? Can you put price on that? An eye for an eye!!! Treat me like kid I'll act like one.
12/23/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33566	Web
I have been told by multiple representatives of Drivetime that I would be granted a modification to my account and I had to fax in the receipts and documents of my out of pocket expenses. After I faxed in the documents I still had not received any notification that the documents were received or any updates on my modification request. Through a XXXX complaint a Drivetime representative named XXXX told me that in order for a modification to be granted that XXXX things must be involved a ) There must be an out of pocket expense b ) You must be out of hardship and c ) the account must be sixty days past due. When I spoke to Customer Service I was told an exception could be made for my account and that the account does not have to be 60 days past due. I faxed in the receipts of my out of pocket expenses and proof that I am out of my hardship and they still have not granted the modification but continue to call and contact me only for collection purposes only, and has yet to give me an update on my modification request, even after numerous conversations of how and when this modification will be applied to my account. Drivetime has demonstrated unethical business practices and I do not know why the representatives continue to give me misleading information and information that is not truthful. I have been repeatedly told incorrect information and I would just like to know the information involving my loan and what is going on with my account. I would like someone to encourage the representatives of Drivetime to explain the truth about my account and to please stop telling me that a modification will be granted when Drivetime has absolutely no intention of ever granting me a modification, demonstrated when I called yesterday and I spoke to a manager named XXXX that told me that the faxed documents had not been uploaded to my account an that the receipts of my out of pocket expenses had to be for major repairs like to replace an engine! I have never been told my out of pocket expenses had to be a major repair like replacing an engine because my vehicle is supposed to be covered for major repairs, I was told by a supervisor something completely different, I was told I just had to have out of pocket expenses for repairs that were mechanical in nature, and I have a response directly from Drivetime submitted to the Better Business Bureau that describes exactly that same information. Also, when I called and tried to set up a payment arrangement XX/XX/XXXX, Drivetime would not make an arrangement for payment, but instead Drivetime sent me an acceleration notice in the mail two weeks later stating that the entire amount of my loan was going to be accelerated, although my account was not yet 30 days past due, and Drivetime refused to make a payment arrangement before the payment due date, because I knew before the due date I was going to have to make other arrangements with Drivetime, which Drivetime refused.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94603	Web
This is a follow-up complaint to a previously filed complaint. I have a hard inquiry on my report dated XX/XX/XXXX which I did not authorize, nor initiate. They claim they received information via their website to run my credit- I did not authorize anyone to use my identifiable information to apply for credit ( but at the time members of my household did have access to said information ). The company ( DT Credit ) claimed to have spoken with me on 3 separate occasions regarding this ( false ) inquiry, namely on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so I pulled my call logs from my cell service provider, as proof that this was false and the only call that happened was on XX/XX/XXXX, when DT Credit placed an incoming call to me, where I informed them I did not apply nor want credit and the call was a mistake/they had gotten me confused with someone else ( my name is extremely common- perhaps a faulty XXXX on their part ). I thought NOTHING of it, especially since I NEVER HEARD FROM THEM AGAIN. DT Credit claims they spoke with me again ( after the initial phone contact on XX/XX/XXXX ) on XX/XX/XXXX and XX/XX/XXXX. This is a flat-out lie. I have my call logs proving the ONLY time we spoke was on the initial contact where I told them the aforementioned. On XX/XX/XXXX I had only 3 calls total, all out-going to family/friends. On XX/XX/XXXX, I did not even have a single phone call, period. I will attach that record to this claim as well as their response to my initial complaint. This is extremely egregious and nefarious behavior on their part- lying to a government agency as well as a U.S. consumer. They seem to say anything to cover themselves in the event they mistakenly let something slip through the cracks. They also claimed in their response letter that they have been UNABLE TO REACH ME. ANOTHER LIE. They called and wrote me an email. I responded to the email, stating I did not wish to discuss matters over the phone because I want all correspondence regarding this matter to happen in writing so that they can't change their story after the fact. DT Credit responded and said they would not be doing so due to privacy concerns and would instead respond directly to the complaint I filed with the CFPB. I will be attaching that email correspondence as well. Now I am expanding my complaint to include the following : 1 ) I wish to know why DT Credit claims they spoke with me on 3 separate occasion in XXXX ( at my number ), when they only spoke with me once ( when I told them it wasn't me/this was a mistake ). Why lie about having spoken with me on XX/XX/XXXX and XX/XX/XXXX? 2 ) I wish to know why DT Credit claims they were unsuccessful in reaching me to discuss this matter, when I have proof of our email correspondence to the contrary? 3 ) Again, remove the hard inquiry from my report.
11/08/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	AZ 851XX	Web
As a XXXX of DriveTime for 5 years. I took my daughter to the XXXX location. This was her first time car buying experience. I was with the company when they rolled out the XXXX anytime lease program. I thought this would be ideal for her in the event she fell on hard times and could n't continue to maintain the payments. The saleswomen XXXX ( Who was Wonderful to work with ) located a vehicle on another DT lot that was listed in THEIR inventory as " a Starter car ''. The downpayment was {$1000.00}, but you can put down a minium of XXXX and pay the XXXX in XXXX bi-weekly payments of {$50.00}. Then your payment will go down by XXXX. That 's per DT Terms. Well the Manager XXXX at the XXXX completely did A BAIT AND SWITCH. He told her the vehicle she purchased was a higher tier price so her payments would be XXXX bi-weekly she told XXXX she could n't afford that. Even though the saleswoman XXXX checked the system and even called the dealership to make sure the vehicle was still their. XXXX then tells my daughter wait let me make the number work. He put her payments as {$190.00} bi-weekly @ XXXX payments when it should have been @ XXXX payments the anytime cancel lease is for 24 Months ONLY! So why is she doing a lease for 5 1/12 YEARS. Then her payments do n't go down after the remains XXXX of {$50.00} bi-weekly has been PAID. On her contract it states Final payment {$190.00} due on XXXX/XXXX/15 so her payment would be XXXX less. My daughter called DT in XXXX was told by representative there was {$99.00} still due because there was a side note?? She went to the dealership in XXXX spoke to XXXX who looked at her contract was n't able to make heads or tails of it since XXXX was n't there he was confused. He asked my daughter how much did she put down she told him {$890.00} but on the contract it has {$1000.00} that was incorrect. XXXX asked for a few days to get to the bottom of everything he was going to call me. I did n't here him. I called back on Thursday was told he was n't in. I spoke to XXXX who acted like he could n't talk to me about this. He was the one that wrote the contract. He said XXXX was going to call me. kept saying they need to review the tapes?? What tape this was done inside the dealership not over the phone. Furthermore XXXX and my daughter was in the dealership until XXXX the night she purchased the car. That was ridiculous it does n't take 3 hours to write up the contract. I work for a XXXX I AM XXXX for XXXX of the XXXX 's. IM SO DIAPPOINTED IN DT for not taking ownership for XXXX 's me stake. XXXX not having the decency to call me back and we could go over the contract together. I know the DT Core Values. This is Not how they do business. XXXX needs to be re-trained on contract writing. Both men need to take ownership.
07/08/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	SC 29301	Web
I am purchasing a car from drive time. I have always made my payments on time for over XXXX years. My payments are {$470.00} a month. I make my XXXX payments a month of {$230.00}. I have recently feel into a hardship. I lost my job and I am having to take care of my mother XXXX and I also have put about {$700.00} in to the car bc it was having issues. I called drive time and advised them that I would not be able to make my payment for ( XXXX XXXX XXXX XXXX ) and I asked for a deferment. The collection representative advised me I was not elligable for a deferment BC I was never late. She stated to let my account fall delinquent and call bk XXXX XXXX. So I did. Another rep told me I could get a deferment and my payment was due. I advised her that when I spoke with the previous rep that 's not what we discussed. She told me I had to mail in my receipt form the work done on the car to try for a deferment. I advised her that when I spoke with the rep bfor she did not tell me I needed to fax those In and they were thrown away. She then transfered me to the rep I spoke with on XXXX XXXX. I advised he that I could not make those XXXX payments until my unemployment started and I would make my payment of XXXX by XXXX XXXX. She stated that she would set the arrangement and that would be fine. I adv he that I do not want calls bc i am taking care of my brother and NOT TO CALL ME. A couple days later i get a call i was unable to answer so i called bk. A rep stated that the arrangement was never set on the acct. I asked to speak with a XXXX i was on hold for XXXX mins. I then explained to the XXXX I was not suppose to receive calls and they did not set the arrangement as stated. She stated she could set a arrangement and transfered me to customer relations. The lady as that time stated she set the arrangement for me to make a payment on XXXX XXXX. I adv her again DO NOT CALL ME. XXXX days later they call. A manager cancaled the arrangement. I called bk furious BC I had told them several times not to call me and felt like I am being harassed and BC they told me arrangement was set and now they want to change it. I adv her of when I could make the payment I would have the funds by then and she wanted XXXX argue with me and tell me I have to pay {$400.00} by XXXX XXXX. I told her there was no way I could pay when I had already worked out the other arrangement and put money in the car. I also adv her that I told her it was against the law to contact me after I stated not to call me and she ignored me and continued to try and collect. I was treated very unfairly by this company and I am speaking with an attorney due to the harassment. I feel like the car should be returned and the trade line removed from my credit.
12/14/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33161	Web
On XXXX XXXX i went to DriveTime to purchase a vehicle. I met with the customer service rep and manager who was very friendly and welcoming. I sought interest on a XXXX XXXX Journey and test drive the vehicle and everything was smooth. I requested for a car fax and the representative stated that the vehicle was in perfect condition and had no ; repossessions, accidents, and rebuilds. The only thing was the vehicle having a high mileage. The manager read the contract and i signed off on it, made the agreement. Plus i was missing a hard key replacement of my key in which they promised to provide through a locksmith and never followed through. During the XXXX week i began having issues starting the vehicle and decided to take the vehicle to the dealer. The manager and representatives advised me through minor inspections that there was n't any issues and if it was an ongoing issue to contact XXXX. So i decided to contact them and had the vehicle taken to XXXX. There i met with the manager and he conducted a full vehicle inspection, where he found many pr-existing issues which was a major safety risk. The XXXX line was leaking fluid, no brakes, bad battery and bad starter. XXXX approved to fix the issues concerning the vehicle and was told that was the solution to the problem. We shook hands and was told to come back if there 's arising issues. A week later after coming from XXXX the same issue occurred and i notified XXXX XXXX XXXX about the issue. They advised me to respond back to the shop to conduct further inspections, in which again they could n't find anything. So i was told to come back if the issue reoccurs, in which the day after it happened again. The manager even conducted and full inspections in which turns to find out that my shift handle was damaged, in what appeared to be a repossession damage. The shift handle was broken and glued back together in which caused shifting damage. I was told to schedule a day to have this issue addressed, but my transmission blew out in result of the shifting issue. I had to contact a tow truck through my insurance company to have it towed to my house, later on had to pay another tow truck to get my vehicle towed to a repair facility. The mechanic advised that i had to pay a deductible for the transmission replacement through warranty. Its only been 3 months since Ive had this vehicle for me to have transmission and shifting issues. I felt I 've been cheated out of my money and was a sold a vehicle that was n't worth what i am paying. I would never recommend someone to purchase a vehicle through DriveTime, horrible pricing and unfair quality of service. Note : Theyre very eager to pressure to purchase a vehicle without giving full information.
08/17/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	VA 23223	Web	Servicemember
I purchased a vehicle XXXX Drive Time that required major repairs within the first week of purchase. I asked to trade the vehicle XXXX Drive Time is not allowing me to trade for a different vehicle despite the transmission and engine blowing on the [ XXXX, XXXX XXXX, VIN # XXXX ] that I purchased through them, and it has placed me in a great financial hardship. I attempted twice to trade in the vehicle due to the major repairs required and the inability XXXX XXXX the vehicle ( Since the first week of having it ) My financial situation has changed, and I am no longer able to make the monthly payments, in addition to the costly repairs that I am told are required for this vehicle, just a short time after purchase. One week after purchasing this vehicle, the transmission needed to be replaced. By the time it was fixed, the XXXX days warranty was up but the car continued to stall while driving. While it was being repaired, I had to XXXX myself and my XXXX small children to and from school and work. Additionally, this vehicle has stalled in heavy traffic and on multiple occasions stopped while in traffic, putting the safety of myself and my children at risk. I am now told that the engine needs to be replaced on this vehicle and that the parts required to temporarily salvage the engine, are on back order and have been since XX/XX/XXXX. The total cost to temporarily fix it ( with no ability to estimate how long before the engine gives out completely, is {$1200.00} ). The cost to replace the engine is {$7200.00} for parts and labor. The transmission blew in XXXX ( same month of purchase ) the car has not been driveable most of my time having it and now the engine needs to be repaired. I understand XXXX Drive time will sell it this vehicle at auction and seek to bill me for the remaining balance. I have sent them certified letter asking to be relieved of any further payments or debt related to this vehicle and will cut my losses on payments received by me XXXX Drive time in the amount of {$2800.00} ( this includes my {$400.00} deposit at purchase ), despite not being able to use the vehicle much during my lease. I have not been able to get much use out of this vehicle due to it continuing to stall and stop, since purchasing it ; due to the major repairs required, but still honored my payments of {$220.00} bi-weekly, despite. I am asking to be relieved of any remaining balance or contract between myself ( XXXX XXXX XXXX Drive Time ) for the XXXX XXXX XXXX XXXX # XXXX. I am reporting this in the hopes that I will not be penalized for being sold a lemon. I can be reached at XXXX or at XXXX if you have any questions or would like to give me further instructions.
06/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CO 80012	Web	Servicemember
Its disturbing that I have to file this complaint! I do have a current complaint in progress regarding this issue but this is an important update that greatly affects the other complaint and its resolution. My other complaint is in regards to the balance of the loan! I had to pay {$11000.00} in repairs for the vehicle purchases at DriveTime! It was over a year period but all stemmed from issues in the very beginning, I just had to do my best to repair the issues as I could afford it. But the repairs should have been covered under the XXXX Day dealer warranty that comes with the purchase of the car. Within XXXX weeks I had warning lights on the dash and I called DriveTime and spoke to the XXXX who sold me the car. He told me to call XXXX XXXX XXXXhe warranty company! They told me to take my car to XXXX transmissions, XXXX was an in network repair facility. They did start a claim! They were waiting on approval from XXXX This is XXXX days after purchase of the car. So within the XXXX days! They had the car for a week. They called me and said that the mechanic thinks it is best the car be serviced at a XXXX dealership! That was how serious it was. Now were at XXXX days! I was able to drive the car myself home! I made calls, then the car was XXXX! A major oil leak in the cooling system was causing the engine to overheat. I couldnt drive more then a mile. On the XXXX day I found a XXXX XXXX XXXX XXXX in XXXXXXXX XXXX, had vehicle towed there! They did diagnostics and it was a lot! They started a claim with XXXX XXXX, XXXX XXXX didnt respond until the XXXX day and only covered {$1200.00} while I had to pay almost {$4000.00}. They deliberately stalled until after the 30 day mark and Blamed the dealership for not calling in. But I had already had a documented claim within the XXXX days! Ive been in an ongoing litigation since. So XXXX thing I will point out real quick is while my car was at XXXX per DriveTime by mileage was XXXX and I remember because the lady said she didnt want to tell me the mileage because of the XXXX. So fast forward to XX/XX/2023. I have XXXX insurance! Which gives us free XXXX reports! I get an alert asking how was the service I just received at XXXX that was a maintenance inspection and whatever! But I didnt have my car serviced there. There was an alert generated because odometers can not be alerted! So it read XXXX last known to XXXX. I called and they stated they were called by XXXX XXXX to alert records that would not show that I was there within XXXX days in order to gain a benefit to themselves. These records would fully prove my complaint and hold them reliable. They are deceiving the CFPB and me the consumer
04/04/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	OH 45230	Web
Fraudulent Drivetime car sales and XXXX lending Hello, In XXXX of XXXX my husband and I purchased a car from Drivetime. They set us up with a payment plan/loan with a lending company called XXXX. Drivetime XXXX XXXX XXXX XXXX, Ohio XXXX # XXXX-XXXX-XXXX / XXXX XXXX and XXXX XXXX On XXXX we set up XXXX as a payee to our account and we sent our FIRST PAYMENT payment on XX/XX/XXXX. However, XXXX was not a recognized entity so a check was send via snail mail. Our banking institution, XXXX XXXX, XXXX, Ohio, verified all of this. A check, indeed had cleared on XX/XX/XXXX but was never processed by XXXX unbeknownst to us? This was our 1st payment. XXXX, XXXX Az, I have only an online link. On XX/XX/XXXX at XXXX XXXX in the morning and without any warning a tow truck showed up in our driveway. The " gentleman '' who was hooking up our car simply said we had not made payment ... We knew we had, we got to our records in the 15 minutes it took for him to hook up our car, but he refused our records. And, well, we felt threatened, scared is a better word. Towing company, XXXX XXXX # XXXX-XXXX-XXXX Luckily we are in good financial standing. XXXX gave us the run around. The next day we went to our main banking institution for advice. They called XXXX and the person on the phone told the banker and my husband we had 2 options, Pay the full amount or buy the car back at auction. YES, they said to BUY the car back at auction. In the meantime our car was mysteriously sent back to the Drivetime car lot? As I said, we are in good financial standing and with the help of XXXX XXXX we were able to pay the car in full. However, XXXX and Drivetime said it would take 14 days to process even though our banker told them directly that the check would be emailed immediately and notarized. But why was our car already back at the Drivetime lot? Just 24 hours after it had been towed? After we made payment we took the paper work to the Drivetime dealership directly. We called the XXXX police and they accompanied my husband. I found the car in the lot, license plates already removed. A long story short, they released the car to us and the title was sent in the next seven working days. We want to report Drivetime and XXXX as fraudulent companies. What if we did not have the means? What if we were a single mother? Poor ... we do not want to see this happen to anyone else, we were scammed and lucky for us could work through it. We have written several letters over the last year and then I came upon your sight. And have great faith you can help. If anything additional is needed, I am happy to provide. Many thanks for all you do
10/22/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NV 891XX	Web
Hi, i am the current owner of a XXXX XXXX XXXX, it's paid and full and i have the title in my name that was just mailed to me. Long story short, i tried to go to XXXX XXXX weeks ago XX/XX/XXXX to get purchase a new car, but denied due to a past lien still out on the vehicle. I advised Drive-Time of this issue, the same night XX/XX/XXXX and it's still yet to be resolved. I have done a lot of leg work for Drive-Time trying to get this resolved on my own. However, I feel as if though me being the customer I shouldn't be doing their job responsibilities for this business, when they have a full-staff. They haven't been very informative about updates, and the the status of my case. XXXX the Assistant General Manger at this location, ( XXXX XXXX XXXX XXXX ) hasn't been taking the appropriate measures to get this resolved quickly. If they can't resolve this amicably, then this leaves me no other recourse but to take the appropriate legal action. I've reached out to the previous owner 's lienholder ( XXXX XXXX ) on this vehicle trying to obtain the lien holder release form however the form isn't in there possession anymore, it's with the auction company XXXX XXXX XXXX California ). Due to me not being the retail buyer of this vehicle, they are not authorized to release this form to me. I've also called my lienholder ( XXXX ) to obtain this form, however they are being told by the auction company that they need some type of proof that shows that there is still a lien out on it. I called the XXXX XXXX at the XXXX location for help, and was advised that he's sorry for the situation that I'm in, and that there is nothing he can do to assist. I have been asked my a couple of team members by Drive-Time to obtain this proof. Why am i being asked to job Drive-Time 's job and responsibilities? This is something that i was told by my attorney that they should be being handled this themselves or there staff. However, I've been the one taking matters into my own hands trying to get my own issue resolved. All i want is for this to be resolved, so i can proceed with a purchasing a new car! Also this happened to my friend about a year & a half ago with her XXXX XXXX, she was sold a car by Drive-Time that had a hole in engine. That was even in a battle between Drive-Time and XXXX trying to get Drive-Time to fix there mistake. In the end my friend lost, and had to buy a new car with XXXX due to them selling her car that had prior mechanical issues. I'm just wanting to bring attention to this business that is just quick to sell a car, but is not doing there due diligence to insure that your in something safe and reliable.
07/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	VA 241XX	Web
I purchased a vehicle from the XXXX, Virginia DriveTime location in XX/XX/2021. The issue was with the sales associate that I had worked with named XXXX. Whenever going through the process, at the start of the appointment I explained that my maximum down payment amount would be {$500.00} but I preferred lower. XXXX assured me all cars in the lot were able to be adjusted to meet my pricing needs on down payments and showed me a vehicle I was in love with. Whenever it got to the paperwork portion of the appointment, she explains she will debit my card for {$2000.00} without discussing with me first. I explained that I had a set limit and she insisted I still come up with the additional money to cover the down payment. Eventually I switched vehicles to another model that did fit my budget of {$500.00} but I was never offered the option to view something less than that on a down payment and when I asked to view those as well I was told no. I also purchased the warranty which was presented in a very predatory manner, the reason I purchased the warranty was because XXXX told me that a rental would be covered from the day that a mechanical issue happened until the day the repairs were completed. I asked if this meant that the rental was provided up front or if it would be reimbursed. She stated it would be upfront with no money out of my pocket. I agreed due to that because affording a rental car isn't a possibility living paycheck to paycheck and being able to make it to work every shift is important as well since I am the only one working in my household due to COVID-19. Whenever I did have a mechanical issue appear, I followed the steps to submit a claim and was informed that it was by reimbursement only and that there was also a limit on the amount eligible for reimbursement. Due to the lies I was told by DriveTimes representative I am now stuck without a rental car because I can't afford one and I am having to miss work due to no transportation options. The issue with the car was the CVT transmission that DriveTime last serviced was filled with the wrong transmission fluid which caused a mechanical failure of the transmission resulting in a full replacement being needed. I spoke with DriveTimes customer relations department who practically denied everything and said a coaching opportunity would be provided to the store I visited. I was not given any rectification regarding the situation that my family is now in due to their lying representative XXXX. I am now at risk of losing my job which will create a huge impact to me being housed and fed.
12/23/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	MD 21114	Web
Earlier this year before Covid I had an issue with my XXXX XXXX XXXX which required me to take it into the shop to have some warranty work completed on it. It was covered after going through some hoops which I get it warranty work no one gets paid for it directly. My issue upon this situation was that the part that had to be ordered came from DriveTime and/or XXXX home office located in AZ. I was told it was remanufactured or like new. Wasn't able to see and verify parts after replacement because they had to be sent back to AZ. Under my warranty contract with them and XXXX XXXX it does state thats in line with the parts they can replace on any vehicle per the agreement. My issue was I was out of vehicle for almost a week because of the time it took for parts to come in and upon asking for a loaner vehicle said the billable hours didn't meet their requirement of reimbursement and I could get loaner any try to get it back but no a promise for reimbursement. Asked on several occasions that I wanted proof of what parts had been replaced and was told by all of them that it is something they have to prove to me per the contract. Fast Forward my needs have changed and am currently looking at getting out of this vehicle and getting into something that better reflects what I need at this time. No dealership will take the trade because of the high interest rate and more money down needed to make the deal happen. I get that but Drivetime/XXXX won't take the trade in as well at all regardless of money I need to put down. I was told they don't take their cars back on trade and/or refinance current loans even if they still make more money on new one. I am tired of the pure bad business practices these companies are allowed to get away with. My previous vehicle I had gotten from them had to be bought back from me after many battles that I eventually proved was a flood damaged vehicle. They couldn't give me the money I had paid into that vehicle being a XXXX XXXX XXXX because I had paid for time I used it and was only given my original down payment. These companies being able to do all of this and the consumer just out of luck? I had also asked what had come of the vehicle bought back from me did they sell it to another sucker. I have filed complaints after complaints but they are still in business doing same shady used car sales. There was now ay my 1st car should have been sold to me let alone past State Inspection. I am filing a class action lawsuit against DriveTIme and/or XXXX for unfair Business Sale tactics and Fraud any help would be appreciated.
11/15/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32210	Web
Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that DriveTime XXXX stop calling such number or has stated, orally or in writing, that the consumer that DriveTime XXXX is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or DriveTime XXXX reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and DriveTime XXXX has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that DriveTime XXXX not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that DriveTime XXXX not communicate with them at their workplaces fully aware DriveTime XXXX knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of DriveTime XXXX, the Board must : a. Authorize whatever actions are necessary for DriveTime XXXX to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section and more.
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30223	Web
I have attached documents stating that the car company is in violation of my rights. 15 U.S CODE S 1605 DETERMINATION OF FINANCE CHARGE ( a ) FINANCE CHARGE DEFINED EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION THE AMOUNT OF THE FINANCE CHARGE IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTIONS SHALL BE DETERMINED AS THE SUM OF ALL CHARGES, PAYABLE DIRECTLY OR INDIRECTLY BY THE PERSON TO WHOM THE CREDIT IS EXTENDED, AND IMPOSED DIRECTLY OR INDIRECTLY BY THE CREDITOR AS AN INCIDENT TO THE EXTENSION OF CREDIT. THE FINANCE CHARGE DOES NOT INCLUDE CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION. THE FINANCE CHARGE SHALL NOT INCLUDE FEES AND AMOUNTS IMPOSED BY THIRD PARTY CLOSING AGENTS ( INCLUDING SETTLEMENT AGENTS, ATTORNEYS, AND ESCROW AND TITLE COMPANIES ) IF THE CREDITOR DOES NOT REQUIRE IMPOSITION OF THE CHARGES IR THE SERVICES PROVIDED AND DOES NOT RETAIN THE CHARGES. EXAMPLES OF CHARGES WHICH ARE INCLUDED IN THE FINANCE CHARGE INCLUDED ANY OF THE FOLLOWING TYPES OF CHARGES WHICH ARE APPLICABLE : 1 : INTEREST, TIME PRICE DIFFERENTIAL, AND ANY AMOUNT PAYABLE UNDER A POINT, DISCOUNT, OR OTHER SYSTEM OR ADDITIONAL CHARGES. 2 : SERVICE OR CARRYING CHARGE. 3 : LOAN FEE, FINDERS FEE, OR SIMILAR CHARGE. 4 : FEE FOR AN INVESTIGATION OR CREDIT REPORT. 5 : PREMIUM OR OTHER CHARGE FOR ANY GUARANTEE OR INSURANCE PROTECTING THE CREDITOR AGAINST THE OBLIGORS DEFAULT OR OTHER CREDIT LOSS. 6 : BORROWER- PAID MORTGAGE BROKER FEES INCLUDING FEES PAID DIRECTLY TO THE BROKER OR THE LENDER ( FOR DELIVERY TO THE BROKER ) WHETHER SUCH FEES ARE PAID IN CASH OR FINANCED. SECTION ( C ) PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE!!!! CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF THE OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE UNLESS A CLEAR AND SPECIFIC STATEMENT IN WRITING IS FURNISHED BY THE CREDITOR TO THE PERSON TO WHOM THE CREDIT IS EXTENDED, SETTING FORTH THE COST OF THE INSURANCE IF OBTAINED FROM OR THROUGH THE CREDITOR AND STATING THAT THE PERSON WHOM THE CREDIT IS EXTENDED MAY CHOOSE THE PERSON THROUGH WHICH THE INSURANCE IS TO BE OBTAINEDYOU DID NOT YOU OBVIOUSLY BROKE THE LAW YOU FID NOT INCLUDE THE INSURANCE IN MY FINANCE CHARGE XXXX : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. PHONE : XXXX SEND CHECK BACK OR WE PLAN TO SUE
12/20/2021	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19013	Web
As the debtor and consumer ( natural person ) who was involved in a consumer credit contract in XXXX of XXXX, I am exercising my rights under 16 CFR : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The reason for exercising my rights is due to the fraudulent practices conducted by the seller in regards to my NEGOTIABLE INSTRUMENT. I am exercising my right to rescind/ revoke the seller as POA. Representatives of the seller kept referring to " the CONTRACT '' I signed but according to 16 CFR 433.1, a " contract '' is between the creditor and seller ( or if the credit and seller are bonded by common ownership ) while a " consumer credit contract '' is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. According to XXXX law 's dictionary, an instrument is evidence of an alleged debt, normally in the form of a cash advance, such as a check. However, during the transaction, I, the consumer, did not receive a check nor did I receive the title to the vehicle on the consumer credit contract. The reason this transaction is now void and fraudulent, is the violations of the Truth in Lending ACT 15 U.S. Code 1605 in particular regarding the " finance charge. '' All violations can be found under 15 U.S. Code 1605 as the finance charge ( also under regulation Z ) states the finance charge is the sum of all charges. There should not be a list of several charges appearing on the consumer credit contract. All amounts should be under the finance charge. Next, there should be amounts paid in the form of a cash transaction under the finance charge but there was a {$200.00} cash payment at the point of the consumer credit contract. Lastly, 15 U.S.C. 1605 states insurance is part of the finance charge unless two requirements are met, one being the creditor /seller should tell the consumer he/ she can choose whatever insurance provider that is approved by the creditor / seller and the other requirement is that the creditor / seller tells the consumer what the cost for insurance would be if the consumer obtained insurance from or through the creditor / seller. The second requirement was not met in the XXXX.
02/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 275XX	Web
I have disputed this several times. With CRC and agency. I have provided payment schedules along with letters from the CRC. Drivetime.., is the company I have my car loan with. From XX/XX/XXXX thru XX/XX/XXXX.., I attempted to make actions to pay off my loan early and thus, by recommendation of Drivetime, started making payments 1 1/2 times to 2 times required payments. However each month seemed I owed monies when I prepaid. I attempted to resolve this .., but received little to now cooperation. XX/XX/XXXX payment was collected of which Drive Time did not give me credit for and showed my car as being repossessed. At this point I requested an Audit of my account and after 3 months, my funds were finally applied. However my payments status and balance were still in question. I have tried 15 different times and at least 20 hours of phone time to try and get the payment schedule along with how my payments should have been allocated corrrected to no avail. Seems DriveTime made attempts to get it right and then will report incorrectly again and again. I have been working to get my credit straight for almost 2 years to purchase the home I currently live in. These errors with Drive Time have not only cased a monetary hardship for me but is directly affecting my ability to be mortgage ready. ( needless to say I am still renting a house I should have been able to buy several months back if this issue with DriveTime did exist. ) I am truly at a loss and really do n't know where to turn. I do have a payment schedule I requested from Drivetime, which does reflect my prepaying several months in advance. However, per my last conversation ( which I have ever conversation documented date and times ) I was told by a Drive Time customer service rep., there had been errors made to ALL customers in terms of reporting for XX/XX/XXXX and the entire year had to be resubmitted. I did ask to speak with her manager and she informed me there were no managers at her level I have XXXX basic items first, why has DT reflected 30/60 days late when in fact I prepaid months in advance.. and per serveral conversations with DT wanted these errors corrected. And I believe based on the misappropriation of my funds paid my balance is higher than it should be. I would like to have these things fixed and some kind of monetary compensation for the out of pocket expenses and hardships experienced due to these issues.
05/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 37343	Web
My family had outgrown our Honda and due to the lack of credit, went to Drive Time to purchase a crossover vehicle. While we were thrilled with the high interest rate or 5 year terms, we were told that it would be reported to the credit bureau and that was an ultimate plus in our book. Less than a year after getting the vehicle, I had a XXXX issue and work was not an option. I was forced to apply for XXXX. I applied for a loan to consolidate a few bills and make a smaller more reasonable payment than the {$440.00} I was currently paying and found out that Drive Time had never reported anything until I was late. There were no positive markings from them at all. I ended up defaulting on the loan. I contacted Drive Time made a promise to make good on my loan as soon as I received my XXXX. They informed me if they saw it ... they would take it. Moving forward ... I received my XXXX and kept my promise with Drive Time, I paid over {$2500.00} and continued making my payments. They were reporting my payments up until XXXX of 2014 and stopped. The amount was written off as bad debt and my credit score dropped by XXXX points. When I inquired about it, they said they would fix it ... it took over 3 months and instead of fixing it, they put {$1800.00} on my report as a new loan. You would think this would be an easy fix. I kept my promise and did the responsible thing ... the average person would n't have paid off a vehicle that is in default and costs more than its value. Being a woman XXXX XXXX, I feel you get what you put in the world and so I did what I felt was the right thing. It bothers me that Drive Time hasnt. As a XXXX person, I should n't have to make numerous calls, get a run around and no results. As of recently I owe {$550.00}. In XXXX I was offered a pay off of a little over {$800.00} ... which I did n't have. So this month I was told {$400.00} was the best that they could do. I just feel like I 'm being hustled and drug along until the very end of my financial commitment to Drive Time. Yesterday I requested my payment history to show credits I 've received for referrals, late fees etc, so I could dispute with the credit agencies and get it fixed ... was promised it yesterday ... I still have nothing. I will forever be thankful for the blessings and Drive Time 's patience ... but the things I 've endured the last few years has made it hard to speak great about them.
03/10/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IN 46241	Web
DT received a insurance lease gap payment final date XXXX/XXXX/XXXX from XXXX due to accident XXXX/XXXX/XXXX Claim XXXX, after final payment was received I spoke with a gentleman at DT that advised all accounts were closed and removed from CBR which was confirmed once all XXXX CBR had DT closed, XX/XX/XXXX I received a letter advising of such Balance of {$1700.00} with a settlement request. I spoke with a female rep from DT ( XXXX ) XXXX that advised indeed what the gentleman advised was correct and account will be removed out of collections and no more correspondence would be received. Letter dated XXXX/XXXX/XXXX advises another attempt to collect ( XXXX letter a year- failed at due diligence and collection attempts ) Account Manager advised no there were no notations advising of what each rep advised but noted that I contacted. Transferred to a " manager '' advises that same. I advised her to pull the call and she advised she COULD NOT, I advised her what I was advised for going on 2 years and advised I would file a complaint to get this rectified since she was not gone to attempt to resolve my minor issue. I spoke to DT after filing the XXXX complaint on XX/XX/XXXX ; on XX/XX/XXXX and the customer rep who was not XXXX ( one who left message from Customer Resolution ) advised that XXXX was gone to inform me that I could settle while they review the calls for training purposes. I told the rep that their resolution was not acceptable as they had not even listen to said calls I mentioned above. I contacted DT XXXX back on XX/XX/XXXX and was advised the same thing, that they have not reviewed the calls yet and I could settle. I advised the rep who was not XXXX, that they should call me back after they reviewed the calls so they could finally resolve my issue besides trying to get me to settle on said balance that was supposedly " paid in full '' advised by XXXX of their reps. The XXXX rep advised that I had requested on XX/XX/XXXX to place a Cease and Desist on my account, this in fact was false and advised her to remove it because why would I request to place a C & D on my account when my issue has not been resolved. As well as advised her to review that call, because placing a C & D on someone 's account is not legal without their authorization and working with Charged Off Private Loans, it can lead to that account being placed with a Cease and Desist Law Firm.
03/01/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 75216	Web
I purchased a XXXX GMC Envoy on XXXX/XXXX/XXXX from Drivetime. Repairs started immediately on the vehicle, the first repair was approx a week after purchase. Some receipts we were not given because it was within the 30 day warranty and they would not give us receipts for the work that was done by their preferred mechanic XXXX XXXX. The dates of all the repairs made by XXXX are as follows,XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX.And our portion was {$100.00} each time these repairs were made. And we also had the lift system replaced due to a busted air bag XX/XX/XXXX for {$420.00}, and I paid {$470.00} on XXXX/XXXX/XXXX for repairs to XXXX XXXX because XXXX was unable to complete the repairs that he started. We are advised by the shop that replaced the lift system that the vehicle looked like it had been under water underneath the truck. Well my husband attempted to change the brakes on Sunday XXXX/XXXX/XXXX. He was unable to get the brakes off due to the bolts were rusted on to the truck. The brakes and rotors are COMPLETLY rusted and the brake shield which is steel falls off into pieces to the touch. I had previously ask for another vehicle and was told that is not considered until the cost of repairs total the cost of the vehicle.We are well over the blue book value which is starts at around $ XXXX and the repairs at his point are over $ XXXX! We have photos and video of the rust on the wheel and brake issue. NOW they are telling me they do n't replace unless the cost of XXXX repair has to total the value. THIS IS NOT WHAT I WAS TOLD. I WAS SOLD A LEMON THAT HAS BEEN UNDER WATER! And now I was told to take the truck to XXXX again to look at the rust and brake issue. Now I am being told they will not cover the repair. I knew this would be the issue and I do n't want it repaired I want them see the rust and disintegrating steel and put me in another vehicle. Now it has cost me {$50.00} for nothing other than them to tell me they do n't cover the repairs. Well I knew this! And the vehicle is still not running properly, it seems that the transmission is going out. And of course we are being told take it to XXXX, LOL ... ... I was SOLD A LEMON AND THEY KNOW THIS!
01/05/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IN 46229	Web
Currently I am homeless and have been living in XXXX for the past 3 years. I use my cousin 's address as my permanent mailing address for any important business. In XXXX XXXX I came to XXXX to live with my cousin because I was having such a struggle and was about to have a child. While there I got a job with the XXXX XXXX XXXX, which I still have the job. I was laid off there but before I was, in XXXX XXXX, I XXXX XXXX XXXX went to DriveTime to apply for a car and was given a loan. I put a down payment and supplied them with everything that they needed. Upon me picking up my vehicle I did n't have my driver license with me because they were in the state of XXXX and it would be over a week before I could receive them, so they requested that my cousin sign to drive the car off the lot. We made it clear to the sales person that she is not applying for any car loan of any sort. I was the person who supplied all my pay-stubs, filled out the application WITHOUT HER and they checked my credit and told me that I was eligible to get the loan. The car as always been in my possession after I drove off the lot and I was the person making the payments and keeping in contact with the creditor when I could not make payments. I had been in a constant battle trying to get the contract corrected without her on it and they kept making me promises if I did this, they would make the correction and that never happen. Now the car has been placed on her credit report and the reason that it was repossessed is because I was struggling to pay rent, make payments and all my other bills. I am currently homeless and barely can feed myself and XXXX children. I have spoken with my cousin about this matter and she is very upset because she can lose her job because she works for the XXXX XXXX XXXX because of this credit issue that has been created. Also, she keeps getting denied every time she tries to obtain credit for a major purchase and have to explain that this is not her debt ; but because Drivetime has put her as the owner of the car, it does not help. We have requested to get a copy of the application but that have not received it. You are the only hope to get this situation corrected. Attach you will find the copy of the contract that was supplied to us that is diffidently not correct.
04/07/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	PA 191XX	Web
On XXXX/XXXX/2017 I reserved a car for purchase at Drive Time ( XXXX ). I was asked to provide a letter to show proof of an approved auto purchase from my bankruptcy trustee before reserving the car for purchase. After having received the approval letter DriveTime fails to complete the purchase transaction. On XXXX/XXXX/2017 I provided the dealership with proof of insurance for the car intended and was told i still could not complete the purcahse for the car. I was instructed to " hold on '' to my money. As of toady ( XXXX/XXXX/2017 ), I am without a car AND an explanation as to why. According to the sales agent at the dealership, I was approved for a purchase and the only thing preventing the sale is the communication from their bankruptcy department. For the past 12 ( twelve days ) I have contacted DriveTime for an answer. My sales agent is never able to provide an update. When I asked to speak to the general manager at the dealership to get escalated assistance, I was told that " there is n't anyone here in that capacity ''. I asked for their bankruptcy department contact information, my trustee was willing to contact them directly to help expedite the purchase. I was told " that department does not have a phone number '' I was further informed that I should call customer services for further assistance. On XXXX/XXXX/2017, I contacted the customer relations department at DriveTime, after explaining the situation to a representative, I learned that the dealership does have a general manager. To my dismay, the customer relations department did VERY little to try to resolve my situation. I feel as though someone should be able to directly contact the bankruptcy department at DriveTime and get information on my approval. At the very least, they should provide me with information on the barriers completing the sale so I can resolve them. To date I have provided the dealership with : proof of income, proof of residency, payment towards the car, my drivers license, proof of car insurance and the approval letter from my chapter XXXX trustee. I have even attempted to put additional money towards my reservation. I want to complete the sale or get a specific answer as to why not.
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30071	Web
I purchased a vehicle through Drive time, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX the ceo, the vp and several other executives..Drive time is owned by XXXX and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX XXXX drive time have committed..
06/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30014	Web
I have gotten a car from drivetime 2 and a half years ago and never missed a payment what so ever. Then I had a animal accident and it got totaled. I went back to get another car from them because I enjoyed their vehicles. And I got a XXXX Kia forte it was just perfect until 2 to 3 months later. Bolts are hanging out of my engine, my transmission started slipping and my electrical wo n't work properly. This car has turned out to be a lemon. But I 'm in XXXX on this car. So I tried to use my warranty. And they demanded to make me pay for diagnostics when I just got the car and I refused. Day after day it was arguments. Until the next week. They finally waved the diagnostics. So I got my car up to aamco to gethe it done. Well XXXX said they ca n't fix it but they see what the problem is only a XXXX dealership could fix it. So I got it to XXXX dealership, and do n't make me get started on how they would n't give me a car to borrow in the mean time. They sent me to XXXX and XXXX but theyou were charging me XXXX to almost XXXX dollars just to get one. So I refused until I got a car I could borrow to hold to work. Next after I got it up there to them it took the 1 and a half weeks to do the diagnosis. Then it sat because a XXXX and drive time was not communicating to get the diagnosis paid for. It took 2 to almost 3 weeks to get it paid. Then they wanted me to take it to a different XXXX trying to be cheap on the prices when I got XXXX with a XXXX loan I should have a good car. Anyways before that XXXX came to pick it up and the dealership would n't let it go because they said they have n't received any payments from drivetime. Whoa really? I waited 3 more dayes to get it actually a paid for so they can release it. Now I'must waiting for aamco to pick it up AGAIN.. I 've been calling all month telling the company I just can not make a payment on a vehicle I do n't have and I just got and it 's messed up. They told me it will be reported to the credit bureau and mess my report up. I 'm starting to look for a lawyer. Or work out something with the company. I should be able to walk away from a horrible situation Like this.
10/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 76133	Web
Ok so on XX/XX/XXXX, I purchased a XXXX XXXX XXXX. While I was walking around the car, I seen the boarder hanging off the clip I show the salesman he takes it to the back and come back saying it was fixed. I went home. I didn't really drive it the next few days. On Monday I work like 40 minutes from my home, and I noticed it was shaking and riding rough. I drove it again Wednesday and noticed the same thing. I called Drivetime and he said I am sending to a link select a shop you would like to complete the repairs and it will be covered under warranty because you have had it for less than 30 days. Well two shops later and a rental car they refused to pay for vehicle to get repaired saying neglect on my part. How??? Both repair shop say that whoever had the jeep before me ran over something big and showed me a sticker on the fender line show it was new. The warrant provider stated that they called Drivetime to see if they were going to help me out and was told no. The warrant provider also let me know that Drivetime replace the fender liner before I purchased it. So, this make me believe they know there was a problem with the wheels why else replace the fender liner? Be drivetime stated they can't speak with me on what was done to my car before I purchased it. SMH. I have tried to call a corporate office and just continue to get consumer relations department. So, I am stuck with repairs that I did not do!!! XXXX I have used Drivetime for years and even referred friends and family. Never no more Date of experience : XX/XX/XXXX Edit Reply from DriveTime Used Cars 7 hours ago We appreciate you reaching out. At the time of sale, we provide an XXXX AutoCheck History Report as a courtesy for each customer to maintain transparency. This report provides the history of the vehicles use, such as any prior accident records, rental or government use, registration flags, or involvement in a theft. Each customer also has the opportunity to inspect their desired vehicle both inside and out during their visit. Additionally, we offer a 5-day Vehicle Return Policy to every customer.
03/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77551	Web
In XXXX of 2015 I purchased a car from Drivetime in XXXX. I was given temporary plates and was told that my permanent plates would be mailed to me. The expiration date on the plates was approaching so I called. " They are on their way. '' I called everyday for 2 weeks. Nothing. My son went to the store for me and was pulled over, 1 day after the temps expired. He was ticketed. I went to the Drivetime store and spoke to XXXX, the GM. He stated, " I am so sorry. Your car 's file was placed in a drawer with some others and the paperwork for registration was never sent out. '' He then proceeded to ask for the ticket and my insurance information. He stated, " I will make sure this is taken care of before the court date. It was our fault. This is our responsibility. '' I was given another temporary plate and when I asked for the original ticket, he said he needed it for payment. Through XX/XX/XXXX I have been calling, and following up. It escalated to Customer Relations where I was speaking to XXXX. Per XXXX only part of the initial ticket would be paid even though XXXX said it would all be taken care of. And then when I called again, I was told by another rep that XXXX would no longer be taking calls from my on this matter. It was considered closed. We have not received any letter from the courts so we thought the matter was indeed taken care of. My son, who is now XXXX, is swearing into the military this week. We find out that NOTHING has been paid and my son has WARRANTS!! When I call Drivetime, I speak to XXXX who has to " research '' this because it has been 6 months and then says, " If I were you I would get a lawyer. '' Then she follows it up that they will only pay a partial cost of the fines as XXXX initially stated. I 'm sorry but after almost a year of fighting with this company, not even including the mechanical issues I have had with the car is just to much! If they had done their job filing the paperwork there would never have been a traffic stop to begin with.
01/01/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MO 63031	Web
I purchased a vehicle from the XXXX drive time dealership and was cheated out of my money. I 've have had this vehicle for two years and was never provided a title. I have been basically bad mouth, insulted and mistreated by their customer relations department. I have now file a complaint with the state attorney general 's office as well as the department of motor vehicles and the XXXX and the CFPB. Your customer relations department never offered me an option and is now trying to settle under the table even though I 've requested an arbitrator to have this placed on record. After doing a vin check I found that the title has a lien against it. I have gotten multiple tickets and fines for failure to register the vehicle and was told by the state highway patrol to stop driving the car. Your dealership sold me a car even though my license was revoked and expired, took my down payment and had the XXXX fraudulently sign off on the deal. Drivetime never offered to put me in another vehicle, or fix the situation and in fact started to become rude as if I was bothering them. It was n't until I spoke with an Attorney, filed a claim with the state Attorney general 's office, the XXXX, CFPB and the department of motor vehicles thAt your customer relations department contacted me with a bogus offer. The offer was to return the vehicle and they will erase any dealings by removing the tradelines off my credit and any record of the sale. I asked about refunding my down payment and they basically started bad mouthing me as if I was ungrateful. Your company is trying to steal my money by taking the car back, erasing my good payment history, keeping my down payment and basically putting me on the street in a worst situation than I was in before dealing with them. I am asking you in good faith to refund my down payment and I will not pursue any other avenues. This has also been communicated to the local media as well.
04/18/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	WV 25404	Web
I purchased a XXXX XXXX XXXX from DriveTime, their XXXX , MD office. Within 30 days of the purchases, I 've had to buy XXXX front tires 2 times. My front tires were wearing down to the metal treads wit hin 4-7 days. When I bought the second set of tires the mechanic realized that the drivers side front shock spring was broken. I thought it was something I had done but the mechanic said that whoever inspected the car knew about it because they put a zip tie on it. I looked on the inspection order and noticed that the company had marked that suspension as a pass. They also marked the windshield as repaired, there had been a chip in it when I purchased the truck. Well, that " repaired '' chip had grown to a full crack that stretched across the bottom of my windshield. Also, they had on the inspection order that my rear rig ht brake was repaired ... not true. That brake is ro utinely engaged while I 'm driving. It 's gotten to the point where it is now digging into my rotors so now I need those as well. As a sidebar, the AC does n't work but that 's not a safety issue. So I contacted Drive Time an d told them what was going on. They told me to call XXXX XXXX which was there extended warranty company. I did that, told them what was going on, they basically kept repeating that they only work with engine problems ... essentially telling me to get lost, that 's my lost. They did n't even have the decency to give me a detailed response. They just kept repeating that they only cover the engine and then left open silence to influence me to disappear. So I called Drive Time again, they 're throwing me around to customer service. After 4 tra nsfers they 're still trying to avoid the repairs but they want me to get it looked at with a full diagnostic at one of their partnering shops. It 's getting frustrating. I 've never had a car buying experience like this before.
02/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OH 44128	Web
RE : RESCISSION OF CONTRACT ESTABLISHED XXXX It is on this date, XXXX that I, XXXX : XXXX who is a natural living being exercise my right to rescission. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 15 USC 1601 named Truth in Lending. Per the congressional findings of TILA, It is the purpo se of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit During the consummation of this contract, ( XXXX XXXX XXXX XXXX ) DID NOT DISCLOSE MY RIGHT TO RESCIND. It is appropriate for me to assume that ( XXXX XXXX ) at XXXX XXXX XXXX XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case, pursuant 15 USC 1635 I have the right to rescind my obligation and renege my initial consent to pursue the previous terms. It is clear you are not trustworthy and have predatorily conducted business in commerce. Effective, XXXX I am no longer responsible for any security interest, finance charge, or fees associated with this contract. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the CASH PAYMENT was only of benefit to you. Company also breached arbitration agreement as well as conveying a credit sale into a installment contract where I the consumer received no benefit of their unauthorized use of my credit card as defined in the truth in lending act resulting in major financial injury to me the consumer. please see attached fraudulent contract attached where company also took {$1200.00} down payment ( cash ) in this security agreement Kindly XXXX : XXXX
10/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30263	Web
I co-signed on an account with DriveTime Automotive Group , Inc/ DT Acceptance Corp . The buyer of the vehicle has failed to make on-time payments including failure to pay in full. At this present moment he has not made any payments in the last two months. As a result I have been harassed by DT Acceptance Corp in regards to the account because they ca n't get in contact with the buyer! I was contacted by an outside source ( someone who does n't work for Drive Time/DT Acceptance Corp ) in regards to my account with them via XXXX. This individual is the girlfriend of one of the collections manager at DT Acceptance Corp with whom I have spoken with breifly in regards to some paperwork for my account. I have contacted the Corporate Office in regards to this matter. They refuse to discuss how it 's being handled or if it 's been handled because they do n't want to compromise the privacy of their employee. However, I believe my privacy has been compromised. How did she get my information? Why is my information being shared with people who do n't work with DT Credit Corp? I have asked them to stop calling me on several occasions they have continued to do so until I requested again to be contacted by mail only. Due the request for them to stop calling me on my cell phone and at work, they have proceeded to contact references on my account. One of the individuals contacted, I do n't even believe is on my application as a reference. One of the references listed did request that they stop contacting her and they have continued to contact her. Despite the current status of my account, I do not feel that I am deserving of this type of harassment or stress and neither or my friends and family. Furthermore, due to their carelessness as a business in regards to my personal information, I am in fear that my information has been leaked and/or will be leaked in some malicious manner.
11/05/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27834	Web
Drive Time is harassing me by phone. I have received XXXX phone calls in 30 days, from XXXX different numbers in NC, AZ, and GA. I have blocked the number in GA but they continue to call me daily. I have notified Drive Time that this number is blocked. When I do n't answer the GA phone number, they then call me from AZ or NC, or both. I have asked Drive Time to stop calling me daily. I have asked Drive Time not to contact me more than once per week, but they continue to call me daily. Yesterday I spoke to a Drive Time customer service agent at XXXX and they called me again at XXXX to discuss the same issue. Again, I asked them to stop calling me and the agent claimed they did not call me more than once, which is a LIE. I have asked Drive Time twice this week to stop calling me so often but they continue to call me daily. I also have cosigned on a loan for my sister who lives with me. They call her and when she does n't answer they then call me. Literally her phone rings, then my phone rings. They do n't leave her a message but will leave one on my phone. I have received nasty messages from several agents at the GA office and when I return their calls I am told they are out of the office or they are not working until later in the day, even though they just called a few minutes before and left a message. XXXX, XXXX, XXXX, XXXX ( or XXXX ), XXXX, XXXX are constantly calling me and leaving messages saying that it is urgent they speak to me immediately. When I do n't return their phone calls they then send me emails. I have received XXXX phone calls in 30 days. I have complained several times about rude agents and rude voice mails. I have complained about the number of phone calls. I have told Drive Time their amount of contact is harassing, and disruptive. I have asked Drive Time to stop contacting me daily, but the phone calls and emails continue.
08/26/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	SC 29210	Web
On XXXX/XXXX/2015 I purchased a vehicle from drivetime. I did not have a lot of credit of which there was an old XXXX bill in my credit report that was not paid due to a divorce. There was also hospital bills that I had been paying on. I did supply them with XXXX rental companies that I had rented from and never paid a late charge. At that time I needed a vehicle and I feel as if they took advantage of me. After time to reflect on the transaction the following is a huge concern. 1- Car is only worth {$5000.00} in good condition and they sold it to me for {$9900.00}. That is in excess or 75 % increase. 2- I did not understand that my payments would be bi-weekly. Most places you pay once per month. 3- Drivetime added an additional {$3900.00} into my loan for other items -Drivetime powertrain protection plan @ {$2800.00} - XXXX XXXX @ {$590.00} - XXXX XXXX XXXX XXXX XXXX I was never taken through my contract line by line. I was told what the paper was, and a brief explanation, then told to sign. While they did explain to me what these were, I was never told they were optional. I felt as if I had to obtain to make the deal. The interest rate is 27.90 % which is way too high. At this rate I will have paid back {$25.00}, XXXX for a car that is only valued at $ XXXXAbove are the major items that I feel was not right. In addition I also see that due to my need of obtaining a car and being a first time buyer, they took advantage of me and charged me a ridiculous interest rate. If they would have called my previous rental companies, they would have seen a good track record. Because I did not have a good experience with this company and after a much thought it is more than evident I was taken advantage of. I will be returning this car to drivetime by the end of this week. I will have paid XXXX bi-weekly payments, on time, not due again until XXXX/XXXX/2015.
09/30/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22304	Web	Servicemember
Good Afternoon, My name is XXXX XXXX, I am a United States XXXX Veteran who has been attacked by the company DriveTime constantly calling my work place and harassing me over a car that was repossessed in XXXX. A back story, after going through a very hard transition period getting back from XXXX, I became homeless in XXXX XXXX. I called DriveTime and told them I could not make the payments as I could not even afford my rent payments. I told them to come pick up the car and gave them the address and location. That was 2 years ago, all I had on me at the time was a cell phone and as I was sleeping XXXX I was still receiving countless calls at all hours over this car. I have been awarded a XXXX rating of XXXX through the department of veterans affairs and I finally got my life back together. I am now trying to purchase a home for me and my newly wedded wife and I can not because DriveTime has a collection on my credit account for XXXX/XXXX/XXXX which is absolutely ridiculous. This is a false time frame and it is seriously impacting my credit score. I am trying to finally be able to buy a home and I am currently in the position to do so but these people are fraudulently recording the date of collection on this car and it is dramatically affecting my credit. I have asked them to correct the date for which this repossessed and they have yet to do so. It is clear through the Department of Veterans Affairs that this car was repossessed way before XXXX XXXX because I went to the Department of Veterans Affairs in XXXX of XXXX and they set me up at the XXXX XXXX and XXXX XXXX located at XXXX where I was able to take showers etc. I was at fault for not being able to pay for the car but they took the car back, and I am still unable to live a life two years later because they have inaccurately and reaged my credit information. I would like this fixed.
01/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28376	Web
This passed year in XXXX I got a XXXX XXXX XXXX XXXX from drivetime however this is the second one they put me in because the 1st got deemed to dangerous to drive by there warranty mechanic. Towards the very end of XXXX the XXXX XXXX was having issues so the Warranty company gave me options who I can send it to and it sent it and it got worked they said the Engine was bad and needed to get replaced and that the transmission fluid was burnt. The warranty company gave the okay to replace the engine but nothing further. The engine got replaced but the mechanic still couldnt get the vehicle to turn over they suggested that it get sent to a XXXX dealership to get it look at further thinking it was a computer issue. However when the XXXX mechanic looked at it the issue was that the XXXX mechanic that installed the used engine and not a complete engine meaning they didnt send the turbo that the engine requires. XXXX broke allot of the parts it was also in their shop for over 2 1/2 months and wasnt fixed I talked to the finance company and asked for help repeatedly however the denied it talked to the drive time compasses for help again denied. Along with silver rock they refuse to repair the issues that their contracted mechanic caused. They finance company not just calls me but calls my mother who is on the loan and also all of both our references. I have an XXXX XXXX business my business requires me to drive all over to repair my customers appliances without a vehicle it is hard to do. I normally work a 12 to 13 hour day however due to me not having my own vehicle and having a girlfriend nice enough to let me use hers I can only work 5hrs during the week. I get calls none stop they just threaten to take my vehicle away cause I cant afford to pay for it due to not being able to work my normal time.
12/02/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29301	Web
Drive Time has to be the worst company by far. After being harassed the first time around the company still can not get it together. I had to put money in to my car which my warranty did not cover, I faxed all the information requested months ago for deferments which the people I spoke with several times had stated was approved. But due to a payment becoming a few days late because my account was froze due to fraud they did not process the deferment. Which is causing it to show that I am behind {$700.00} + on my credit report. So when I contacted them again after numerous times of keeping in contact they told me to call back at the beginning of the month to start the deferment process over again. Well I called today and of course they could n't do it for the full amount they stated they would before and I have to fax where I had the repairs done again with the receipts ( which I do not have because I already faxed in to them once ) before they would do anything. I advised her that I do not have those why did her company not keep them on file and she stated they have no place to store them. Company 's usually keep records of these types of things but apparently not drive time. They go out of there way to make it difficult for anyone. Granted I have had this car for almost 3 years and my loan has n't budged due to the interest they charge. The car is falling apart and the company refuses to work with you. They can just have the car back. Its not worth the hassle or the headache or {$470.00} a month. All they do is take advantage of people and ruin there credit even more. I have recorded each call and plan on speaking with my attorney again due to this situation. Others should know how horrible of a company they are.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX ) of any sort. In regards to The company ( XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
11/11/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	IL 60560	Web
DriveTime XXXX XXXX and its financial affiliated, XXXX ( owned and operated by DriveTime ), financed me a used car. The car has numerous problems that were hidden from me during the carnival-like process of showing off what is not wrong with the car. I have made numerous attempts to contact BOTH Drivetime and XXXX. The result has been time consuming and without results. I have never missed a payment, and I have zero delinquencies, and I am not asking to break the lease. I am asking for what Drivetime advertises : the opportunity to modify or extend the loan agreement, so that I do not fall behind or violate the terms of our agreement. Drivetime XXXX XXXX and its financial affiliate, XXXX, do not wish to discuss the advertised options on their website. Are they guilty of false advertising, or unethical business practices, or both? The only time I receive contact from Drivetime is to remind me that my payment date is approaching, not that it is late, but that they want money soon. Drivetime may be in violation of a Federal Consent Order that was imposed on them in 2014. I am reaching out to Drivetime one last time via email, informing them of their excessive contact and their false claims. I am also ceasing all financial obligations to the company until they acknowledge the situation. I will not allow Drivetime to deface my credit or violate the terms of their court order by harassing myself, my references, or my workplace. I have made timely payments and asked for help with maintaining our business arrangement. They have responded with silence from customer service, excessive payment reminders when payments are not even due yet, false advertising, and unethical business practices.
08/04/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 33033	Web
I recvd an auto loan from DriveTime in XX/XX/XXXX for a XXXX XXXX XXXX. The vehicle was to be used for work/home. Unknowingly, the vehicle was one with several recalls that caused the vehicle to constantly have issues that impaired the quality and driving of the vehicle. These issues also required me to take off work for repairs under their limites warranty service agreement. The loan was provided at a high interest and overtime, I notice the owed amount never reduced and I struggled to Mantain payments. The loan was then seemingly turned over to XXXX without my knowledge or consent. Their customer service is poor and collection tactics unethical. I constantly try to understand why The loan is still averaging {$16000.00} for a car that is worth {$4000.00} on today 's market. The reps continue to say this is what I agreed to. I believe I am a victim of a PREDATORY LOAN. I am in the process of modifying the loan so I can get leeway on the payment that are $ 400+ a month. However, the service rep XXXX XXXX was very rude and nasty towards me trying to understand why the loan originality dates did n't match up on the documents and that of the account online. Theywere pressuring me to sign the documents before the allowed 48 hour time frame and he continued to call and email and text me within that 48 hour frame that the approval for a modification was recvd. I still have no answers to understanding the loan or why all these payments have n't reduced the owed amount. I also dont know why the loan is extended for another 3 years. I dont think I should be paying for a XX/XX/XXXX recall all the way until XX/XX/XXXX. That 's kind of scamy scary business. I need justification and clarity
12/30/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 366XX	Web
I am a co-signer on a car from several years ago for my brother, he is behind on payments by 2 weeks until he get paid on Friday. They call twice a day and I even spoke to them, to let them know I had no money to give them because of my own student loans. I also informed them as soon as my brother he is paid, he will make a payment. Until then, please direct calls to him and that I had already left a message for him myself about drive time calling. This was at XXXX XXXX today and then at about XXXX XXXX, XXXX, called back that very same day. When I called the company back to let them know I am getting several calls in the same day, not just one or two but sometimes it will be three or four if I am at work and can not answer like I did today. I got nothing from them but I understand you being annoyed, the operator could n't even set to where it would not call several times a day. She pointed me to her website to set up a time they could call, I proceed to the website and there is no such place to set up times they can call you. Drive calls 3 to 4 times a day, 7 days a week. I have to make sure my phone is on silent on church because they always call in the middle of service. It is harassment, one call would be fine, but when you call twice a day AND you talked to the person already that day. IT serious stalking mode, when he is probably not that far behind on payments. If he was that far behind, why has n't the car been repossessed. The fact is I do not received the bill and since I am very cautious of companies, I refuse to pay anything if I had it to someone over the phone. They will be calling me tomorrow several times and I will fill out another complaint if needed.
04/15/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33770	Web
Purchased vehicle XXXX XX/XX/XXXX from Drive Time located in XXXX Florida due to having no established credit. XXXX of Drive Time 's key selling points is that they reported to ALL XXXX credit bureaus monthly and this would help to establish, build credit history & rating. Payments were & have been being made as contract specified. I created a XXXX account a few months ago to keep track of credit and realized that Drive Time had stopped reporting my payments since XXXX XX/XX/XXXX. This caused my credit score to drop significantly. I immediately contacted Drive Time concerning this issue and was told there is a glitch in there reporting system to the credit bureaus. I stressed to Drive Time that this issue was causing a derogatory reflection on my credit. Drive Time stated they would hopefully have the issue corrected within 30 days. I filed a complaint with the BBB on XXXX/XXXX/XX/XX/XXXX located in Arizona where Drive Time 's corporate office is located. I have yet to hear from the complaint and it has been over a month. Drive Time did finally report to XXXX a partial payment history reflecting til XXXX XX/XX/XXXX but did not report to XXXX and I 'm not sure about XXXX. The payment history is missing for XXXX XXXX XX/XX/XXXX thus this is still affecting my credit score. Drive Time has not made an effort to contact me in regards to the complaint filed. I believe that I was given false advertisement & sales practices. I would like a representative of Drive Time to contact me in regards to this serious issue and resolve this matter immediately. I have been working very hard with building my credit & this issue has caused unnecessary time & financial stress.
02/20/2017	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	NV 89101	Web
I purchased a car from DriveTime now XXXX in XX/XX/XXXX. The car history that was giving to me showed no history of the car being in any accidents prior to me leasing the car. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I lost my job and was searching for work. I stayed in contact with DriveTime of my situation and they helped me to get my payments deferred payments to the end of my loan. In XX/XX/XXXX and XX/XX/XXXX I fell on hard times as well and contacted DriveTime now XXXX of the situation I was having with making my car payments. They once again were able to get my payments deferred to the end of my loan. Stating that the late payments would n't show on my credit report. As of today I have on my credit report both from XX/XX/XXXX and XX/XX/XXXX showing on my credit report which dropped my score down majorly. Just recently my car broke down and I no idea on the reason why because my car was in job shape and taking car of very well. When the car was sent to a dealership to get checked out they pulled my car history and it showed XXXX accidents that were not on my original car history report. When I contacted XXXX of what happened I got the run around and they wanted me to send copies of my bills that were spent due the repair of my car. They told me there was nothing that could do to the time of me having the car. When I told them about the false car history report that was giving to me the did n't acknowledge my complaint. Also when asked about my credit report being affected from misleading or false information they told me again there was nothing that could to me and that they would not remove or do anything with both situations I have had with them.
12/23/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AL 35811	Web	Older American
XXXX 2013 I purchased a vehicle from Drive Time in XXXX, Al & the sales manager insisted I had to purchase a 5 year warranty at {$2800.00} to be financed at the 22 % interest rate on top of car price. I was also told that if I made payments on time & showed perfect pay history after a period of time like a year that DT Credit would re-fi this loan at a lower interest rate. After 18 months of perfect pay history I called & I was told this was a LIE!!!!. ALso I was informed it is illegal to make warranty mandatory. It should be presented as optional. Now I have finally found better finance at 7 % interest & asked DT Credit /Finance for payoff MINUS the amount of pro-rated warranty. DTCredit has a company called XXXX admin the warranty. I faxed them the paperwork for canceling the warranty & they informed me {$1800.00} would be credited to loan. BUT THE PROBLEM IS THEY ( DT CREDIT, LLC ) WILL NOT DO THIS TILL XXXX XXXX. The amount this difference makes is perfect for my new finance co but not without the {$1800.00} deducted. AS of today I have no warranty But DT Credit refuses to subtract this from payoff for 3 weeks. THIS SHOULD BE ILLEGAL but at the very least poor customer service. After speaking with every clerk in the office who took turns calling themselves a supervisor I was hung up on & on hold an hour. I was told that they can not contact upper management nor transfer me to XXXX XXXX, the president, CFO, CEO. I can not get my new loan financed till they take off the {$1800.00} warranty that is now canceled as of XXXX XXXX WHY should I wait till XXXX XXXX to get the actual payoff & HAVE to make XXXX MORE PAYMENT to DTCredit. THIS SHOULD BE ILLEGAL
06/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95660	Web
On XX/XX/XXXX I was contacted by XXXX XXXX XXXXXXXX XXXXs in XXXX after I inquired about car financing on their website. They offered {$0.00} XXXX down on a XXXX XXXX XXXX. The representative that sold me the car was not a licensed automotive salesperson, but a " Customer Experience Guide ''. The car did not have an affixed Buyer 's XXXX nor was I provided one. The car did not have a label of Reasonable Market Value of Vehicle, nor was I provided one. I was told that the car price was sold at cost. I was not provided any credit score disclosure. The financing details were not disclosed or explained, including the finance charge of {$23000.00} in addition to the 27.9 % APR which put a total sale price of {$46000.00} on a {$16000.00} car. The monthly double payment totaling {$670.00} was not disclosed until after the contract was signed. The dealer provided an XXXX XXXX Report that was false. The number of owners was incorrect, it stated no recalls when in fact it was subject to two recalls. I was not provided with an inspection report and the vehicle was sold with blown shocks, failed control arms, cv bushings, uneven tire wear and a plugged tire as well as existing faulty emissions components. I have every confidence that I am a scam victim by a predatory dealer / lender and targeted because of my age and credit score. This organization takes advantage of consumers who have limited financing options and uses deceptive practices to sell cars under terms they know are unacceptable. I overheard to representatives making wagers on time limits before they will repossess and resell vehicles they recently financed.
01/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NV 89103	Web
I XXXX XXXX walking to a drive time a few days ago I asked lady at the desk which identified as a general manager which later I found out was the assistant general manager her name is XXXX XXXX. but I asked her if drive time participates in truth and lending she said that truth and lending was a tick tock bad I informed to her that truth in lending was an actual act instead of laws that all dealerships must abide by because you guys all participate in it she then told me that if this is a way for me to try to get out of putting in a down payment for a car she won't be able to help me I told her that the down payment if not covered in the finance charge will be the determination of the finance charge however I'm coming in to make a consumer credit transaction I do have credit I was pre-approved so I know that I have the credit to purchase a vehicle without being discriminated against however this woman treated me like I was a child proceeded to raise her voice and cause a scene as if she wanted people to look at me like I was some lawbreaker or I shouldn't have the confidence and self love I should have for myself because she deems in necessary to break me down in front of all the society because I wanted to conduct a business transaction with a business and utilize the truth in lending laws I'm aware that a down payment is a decision of the creditor the bank is not the creditor the duties and obligations of a bank are to borrow money I'm a lender I'm a creditor and I came to lend in exchange for property however I was discriminated against for trying to conduct business within the lines of law and not fraud
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32953	Web
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33584	Web
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
11/16/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MS 39212	Web	Servicemember
I purchased a car on XX/XX/XXXX with Drivetime auto returned it on XX/XX/XXXX. They advised that I could turn the car back within 5 days which I did they advised if I was not satisfied with the car I would receive my deposit back of {$590.00} for nearly two weeks they have had me back and forth advising they are waiting on a check from corporate office in order to refund me my money. After being back and forth for 2 weeks they now advise they are not giving me my money back and that I was lucky they did not charge me more. More than anything this has been a deceptive way of keeping my money they gave me paperwork showing the deposit and I never thought that I would have to go through this to get my money back after this being my second car loan with this company. If they are doing this to me they are doing this to many other people making people believe they are returning the money having you back and forth and after two weeks then put you on to the manager and tell you that you are not getting your deposit back. I should not have to keep calling your office and coming by and running up and down for nothing this is deceptive disgusting and needs to stop I want my money back I do n't have your car you gave me the run around for 2 weeks and having me stop my day calling you and coming by your office this is unacceptable to the consumer. I got a piece of paper showing my {$590.00} he had me back and forth for my money no one understands all of this other than they do I only want my money back as they agreed verbally for more than 2 weeks that I would get it back.
05/23/2017	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	GA 30238	Web
I have a XXXX XXXX XXXX with XXXX they told me that the car is worth XXXX my payments is XXXX a month. On the paperwork they did n't have it on there. But yet I signed it and I know that 's a lie. I am on XXXX and the car never really work cause it either stops on me or major fixes on the vehicle since I had the car. I lost XXXX permanent jobs, and constantly temp jobs cause they car leaves me stranded and temp jobs over this problem. They 're scammer in the drivetime sites to get a sale and do not help you. Now that I lost jobs due to the car they want to harass me with phone calls and that 's not right! At first I gave a XXXX XXXX cause it was XXXX and then they talked me into leaving with another car and this car has been failing on me as well. I now put a throttle body in this car, alternator, surpertine belt, 2 new batteries, crankshaft positioning sensor. I now been stranded on the road multiple times and it 's not right. This is my only you means of transportation. All this happened way under a year. Why my bills have to suffer cause of this car and gave to make a decision to pay rent, water and gas, electricity and what I can when I can to get things fixed on this car. This is why Americanshe is poor and ca n't pay bills ... no reliable transportation to work, and the transportation they do have failed in them 70 to 85 % of the time so you have to remain in a lower situation in life just for major companies to live and eat good. DriveTime when they call you they 're nasty, you call them they 're nasty. They do n't do anything for anyone
09/21/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30135	Web
I purchased a used car from DriveTime/XXXX in XX/XX/XXXX. I was encouraged to purchase extended warranties to the tune of $ XXXX. In XX/XX/XXXX I learned that the vehicle was losing coolant. I would add coolant and continue to do maintenance with oil changes until XX/XX/XXXX when I took the vehicle to the dealership and learned that the engine needed to be replaced. I notified DriveTime and I was given 800 # s for customer service but did not gain information as to how to get help. So, I had to rent cars so that I could get to and from work, causing me another hardship as rental cars were not in my original budget. I continued to try and pay the note on the car along with my other bills. When I was laid off at the end of XX/XX/XXXX, I began to re-contact DriveTime/XXXX and was told to take the car to their mechanics at XXXX XXXX in XX/XX/XXXX. Initially I was told that they would replace the engine and then they changed their mind. I asked to know who the adjuster was and how to contact that person and was not given any information. I recently spoke to an attorney about my contract and was informed that I would have to go thru an Arbitrator before I could take them to court. I can't afford to pay an Arbitrator an hourly fee, pay my original bills and fulfill a contract of {$30000.00} over 5 years and 8 months on a car that is worth less than $ XXXX. I went to this car dealership trusting them to stand behind the products that they sold me. Now they do not want to honor their XXXX 5 yr, 50,000 mile warranty that should protect this cars engine.
02/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30906	Web
Me and my wife percussed a car back in XXXX 2013 and thought we were getting a great deal. Come to find out we got screwed on this deal. They told me that they report to credit and they do n't. After about 1 year and 1/2 we went and percussed another vehicle and all the payments I was making to drive time was not showing up. They went even on my credit report. Also, the entrust rate is killing us, it was like over double what I was paying on my other vehicle. If I could have had afford it we would wound up paying over XXXX on a car that was only worth about XXXX. I do n't know how they can get away with that but they are taken advantage of people that have been in hard times. I have looked into this company and come to find out there have been lawsuit after lawsuit against them and most of the lawsuits are for harassment. I had to turn in the car because I could not afford it anymore and now I am getting harassing phone calls at my job and my family is getting them also. I would like this to stop and I would like them to leave me and my family alone. They got there car back and the have already sold the car. I can wind up losing my job if they keep calling had harassing me at work. I have a family to support, and I ca n't afford to lose my job because of them. I would like someone to stop this and put this company out of business. they have no right to treat good people like this. I have been keeping my cool about it but this is the last straw. I am going to keep looking into this company and find out what legal action I have against them.
02/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92405	Web
I have been in contact with drive-time only because i gotten a vehicle financed by XXXX which i already received an inquiry on my credit report. I been at drive-time multiple times for personal reasons in regards to my financing, payments, warranty, ect. I've talked to sales reps at one point about getting another vehicle and i was shown how to apply on phone apt with sales rep indicating its wont hurt my credit or lower my score because its only getting information what ill pay if i get another vehicle. I was told it only counts once i get the vehicle. That moment i was receiving calls from other drive-time location bugging me like fly 's. Once i explained to one individual that i have a location im dealing with and explained i was there already she decided to look up my information informing me i cant get a vehicle until after a year has passed. I ran my credit report in XX/XX/XXXX even calling the information provided for the inquiry on the report. I was given the blaim game point the finger not being able to explain. I have not been provided proof of validation or proof of verification. XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer Section 1689 of the fair credit reporting act indicates the monetary damages i can claim for this up to {$1000.00} dollars for inquiry not authorized by me.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29483	Web
This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
09/12/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	AZ 85040	Web
I believe I was initially overcharged for my vehicle, it has since been repossessed because I lost my job & could no longer afford the payments.. The vehicle in question is a XXXX ... At the time I signed the contract on the vehicle I was desperate & really needed transportation for work, school & to take my kids to & from school ... I really believe the cost of the vehicle was over priced at {$8000.00} with interest the total came to {$12000.00} approximately.. The value of this car at that time I bought it was no more than {$1300.00}, current value approximately {$1000.00} Since the vehicle has been repossessed I have attempted to reach out to Drive Time multiple times with no success to discuss this matter. I just continue to get transferred around & told no one can help me or I 'm directed to call someone else.. I recently received I letter stating the vehicle was sold and I owe {$9700.00} for a vehicle that is only worth {$1000.00} per XXXX XXXX ... At {$160.00} biweekly payments I made for 7 months approximate cost out of my pocket {$2300.00}. I really feel this company has inflated the cost of the vehicle and are attempting to get XXXX times the amount for this vehicle from me & also from whoever they sold the vehicle to. I really feel I have been taken advantage of me as consumer ... I feel that without help from someone they will not sit down to discuss fair compensation I should pay for this vehicle, now that its no longer in my possession.. Can you please assist me with resolving this matter..
07/05/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TN 37075	Web
My daughter wanted to purchase her first car on her own, but even though her credit score qualified, she did not have sufficient income, so I had to co-sign with her in order for her to purchase a car through DriveTime. The information presented during the financing of the vehicle was extremely misleading, because nowhere does it spell out that XXXX-XXXX % of your payments will ALWAYS go to interest, which means you will ALWAYS be upside down on your car loan. Our intention at the time of purchase was to get the car, pay on it for 12 months until she could qualify to finance on her own and then refinance it to remove my name. That will never happen because of the way that they setup the payments and interest. This should be not allowed. These people take major advantage of folks and then leave them hanging with no way out. Additionally, they consider you " delinquent '' on your payment if you are one day late, and no matter who you talk to and notify them of when you will be making the next payment, they call continuously and pretend they have no notes about your payment. Surely something can be done about these people!!!! This is ridiculous. Now my daughter qualifies for a loan on a brand new vehicle with more than one bank, but because of how the loan is structured with DriveTime there is no way for her to trade it in or refinance it. Her only way out is to let the car go back to DriveTime which would immediately ruin her credit that we have worked so hard to establish. These people are crooks!!!!
09/12/2018	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NJ 08046	Web
I went to Drivetime in XXXX, NJ and negotiated the purchase of a XXXX XXXX XXXX. With the documents and down payment of {$1100.00} provided I took delivery of the vehicle on about XX/XX/XXXX. They claimed to need to do a work verification but it should present no problems since it was just protocol. I was on limited work hours from my employment at XXXX XXXX but was still employed there. However there was a hostile work environment investigation ongoing at my employment which caused my supervisor to report to Drivetime that I had been terminated. This was not true. This action caused Drivetime to come and repossess the vehicle at XXXX two weeks later without any sort of notification or attempt at resolving this issue. Furthermore Drivetime has refused to return any of my {$1100.00} down payment claiming expenses on their part. I must say if they wanted the vehicle back because the falsehood told by my now former employer which i voluntarily resigned from after this incident, i would have returned the vehicle without Drivetime incurring any expenses for having to forcibly repossess the vehicle. When I have asked Drivetime to explain this action they have claimed I needed to be on my job for 6 months which i was at the XXXX. For the record this was not explained to me as a requirement and doesn't state it on the documents I signed for the car that i have seen. To make matters worst Drivetime has reported the car loan on my credit and has refused to cooperate in having it removed.
03/09/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	KS 66061	Web
On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX Note from DriveTime in XXXX, KS. The Sales Representative XXXX said the " optional '' warranties were cancellable. We stated we did not want them prior to the contract and sale. She did not act to remove the warrantee products that were financed. I should have known better. She gave me the understanding that they were required, despite the optional nature indicated in the contract. This was recorded. There should be a record that we did not want the warranties. Her inclusion of the XXXX products in the contract should not have been done given our misgivings about the products and the lack of need for their coverage on a XXXX mileage vehicle. DriveTime has a history of sanctions by this Federal Agency for collection practices. This sales practice is unfair and deceptive. The warranty should not be automatically produced in the contract for the sale, increasing the almost XXXX percent APR financing of the {$5200.00} for GAP, Service and Anti-theft warranty products. I signed the contract with the understanding I did not want these XXXX products. The representative failed to remove the products from the contact, stating they are cancelable. I was not able to execute the cancellations until today, XX/XX/XXXX. The product is prorated and financed. I requested their customer service representative to pull the video of the contract signing. I specifically stated I did not want these products and the sales representative failed to remove them.
12/09/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	AZ 852XX	Web	Servicemember
My daughter 's father passed away on XX/XX/2022 unexpectedly. She is his only heir and he had no estate, so there is no probate required. She is young and very, very upset. Since that time, she has tried to work with DriveTime/XXXX to handle dealing with the car that is financed through them. They have been unprofessional and put her through all kinds of hoops to even get someone to speak with her. Today, she was told that in order to return the car, the car has to be put on the street instead of being kept in a gated, safe condo complex, and the repo people are third party and they will not communicate when they are coming. This car is now uninsured and if it's stolen off the street, they will undoubtedly come after her to pay the balance. This is a scam and a fraudulent practice. If they really wanted to protect their assets, they wouldn't respond in this irresponsible manner. Putting the car on the street is just asking for it to be stolen. The time is running out for my daughter to return the car and then they indicated that they will come after her, even though she has done everything right. They are dishonest and will do anything to make money, even when people are at the lowest point of their lives. They need to work with people to avoid putting them in an even worse position. I'm sure they would love for the car to be stolen so they have the chance to come after my daughter instead of taking responsibility for their assets in the manner they are obligated.
09/17/2015	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	FL 33334	Web
On XXXX XXXX XXXX, I went to drivetime.com and applied for financing, which they said I was approved for. When I went in the dealership, the manager told me that I was n't qualified for what the website said I was and if I wanted that vehicle I would have to put almost XXXX down. So they had me try their no hassle lease program. I put down close to XXXX for this program and they gave me a XXXX ford fusion. At first glance the car was great, after test driving it you car hear something was wrong with the tires. When I brought it to the salesman attention he said the previous owner drove it hard. I asked for a car fax and he printed some report that showed the car had been in a XXXX accident but he insured that all repairs and inspection had been done. I took possession of the car with what I thought was a safe vehicle. Almost two weeks later the car stopped running. I had to have the car towed because the warranty did n't cover it. Got to the mechanics and they had to keep the car for 5 days, they said the car needed new wheel barrings, tire rods and an alternator. After that was fixed the car bike down again and had o slow drive it to an approved mechanic that held it for three days and it was the ac unit. Because this was after 30 days they tried to make me pay for this. All these problems should have been found in their inspection of the car before selling it. I had to end up returning the car and putting XXXX down on another vehicle at another dealership.
05/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AR 720XX	Web
I am so furious at this customer service department. Its in XXXX, AZ. And they have givrn me nithing but promises and bam! Last XXXX at XXXX my csr is beingloaded up on a tow truck. Drive Time had repossessed it! After making arrangements to defer my payments to the end of the loan after faxing doctors excuse from work by my XXXX. I called the customer service number and they have no record of my request. NOTHING!! Not a phone call or log of any sort of my request on XX/XX/2015.. Only call they have have record of is making an arrangement for that friday XX/XX/2015 that was called in on Monday XX/XX/2015Well thats Hog Wash I have on my phone records numer calls made to them especially on the XX/XX/XXXX. And darn sure gave new phone number to update my accout. Now forsr they said they dont do loan deferments on new loans then it was well itstoo late bc the vehicle has already been picked up. Well imagine that. The number the lady respresentative gave me for a fax number that I faxed my doctors papers toisnt even a Drive Time number. Ithink its to the XXXX in XXXX. IDkBut they wont do a thing .help pleaseI have XXXX kids im a single parent we just left their father bc of XXXX have had XXXX XXXX counting XXXX tomorrow on my XXXX. Tomorrow they are schuduling a XXXX bc it wont heal. They will have to XXXX. Its been that serious. Unfortunately all this cameabout well actually has gotten worse ince my purchase and I have been off work bc of it. I need my car.
06/17/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33141	Web
I had filed previously a complaint regarding my auto laon with Drive Time not appearing on my XXXX credit report, complaint # XXXX. On XXXX Drive Time representative named XXXX XXXX responded by stating : " Due to complications with the reinstatement process, we determined that XXXX XXXX 's loan has not been reporting to XXXX. We followed procedures previously determined by XXXX to be adequate for reinstatement and believed that XXXX XXXX 's trade line had begun to report. Upon realization that his loan was not reporting, we contacted XXXX and discussed alternative approaches for reinstatement, which have also been unsuccessful. We are currently working with XXXX to reach an amicable resolution for XXXX XXXX in the reinstatement of his trade line. We have been in correspondence with XXXX XXXX in regard to this matter, and we will contact him with any updates as they are made available. We apologize for any confusion or inconvenience this matter may have caused. Once the complications with reinstatement have been resolved, XXXX XXXX 's trade line should begin to reflect on his XXXX credit reporting within 30-60 days. '' I XXXX XXXX contacted XXXX on XXXX/XXXX/XXXX, to find out, my auto loan with Drive Time till this day does not appear on my XXXX credit report. This issue has been going on between me and Drive Time since XXXX/XXXX/XXXX when this issue was brought to my awareness. I brought it up to Drive Time on XXXX/XXXX/XXXX and still remains unresolved.
10/28/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	NV 894XX	Web
I have been a customer with Drive Time car company since XX/XX/2014. I have made my payment faithfully every two weeks. We just moved and are struggling to find a job but I have been taking my child support to pay the payments. In my lease as you will see it has a late payment clause for after 10 days late they will charge XXXX ( see image ). My payment was 4 days late and they repo'ed my car, leaving me with a XXXX price tag to get it back. When I called to ask about the lease agreement clause, they said 1 day late is late and they can repo my car. So what is the 10 days about then? I was advised that it should not be on my lease. No where in my lease does it say this is a ( 0 ) day grace period lease. I had made the payment ( I guess minus XXXX dollars they later said I owed ) 4 hours before my car was towed, the lady on the phone said I did a payment on their website so they refused it and I needed to go to XXXX! When she hung up my payment was returned. Three phone calls later and three different stories I guess that contradicting ( 10 ) day period is not available and you have 0 days. This is a contradiction of the lease agreement. I would of paid the XXXX dollars had I known that it would of been the reason for my repo after only 4 days. I also had a friend go to Drive Time over a year ago for the XXXX credit for my referral, NEVER got it! The way I look at it you made way more than XXXX dollars off another sale because I pitched the sale for you.
08/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 37122	Web	Servicemember
I purchased a XXXX Chevy HHR XX/XX/2013 from Drivetime for XXXX-XXXX. I ca n't remember the exact price because I do n't have the paperwork with me but it was in that range and I do have the paperwork. At the time I did not realize that this price was way too much for this vehicle. I admit I did not do my research. Be that as it may, some how I find myself 3 years and 4 months into a 6 year loan and I still owe over XXXX dollars on this car. This car in excellent condition for trade is only valued at $ XXXX- {$4300.00}. How is this fair? I 'm in the military and my family has grown since the purchase of this car and we really need to be able to trade or sell this vehicle for a larger one but we are upside down and trapped so it is hopeless and impossible. I 've have talked to several dealerships, private sellers and auctioneers, and even drivetime themselves to see if anyone can do anything for me and all of them have said it 's not possible with what you owe on the vehicle. I even tried to see if drivetime would allow me to trade to them for a larger vehicle and just roll the remaining balance into the new loan and they said I just owe too much. Which is crazy cause I owe exactly what they told me to pay for the vehicle. I 'm just lost and at my wit 's end and hope you can help me remedy this situation. I 'm not looking for anything extravagant or any extras I just want to be treated fairly so that me and my family can have the proper sized vehicle.
02/22/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	VA 23060	Web
The loan was repossessed due to me not being able to title and tag because my last county claimed unpaid personal property for a vehicle owned and purchased when I no longer lived their. I called and asked if they could extend the temporary tags and they said no instead of directing me to DMV who could have granted and extension. They also did not notify me of repossession, notify me of public or private sale, notify me of the sale price and remaining balance on loan, notify me of where car was located for personal possessions. I submitted a request to remove the account from my reports due to the Commonwealth of VA code not being followed via fax on XXXX XXXX. XX/XX/XXXX I received three alerts from three different monitoring companies, XXXX XXXX, XXXX XXXX, and XXXX XXXX that they had updated the account to Closed. This re-aged the account. The account had already been closed on XX/XX/XXXX. I called them on XX/XX/XXXX and they proceeded to tell me falsehoods once a manager got on the phone saying I ignored their calls. I asked for a transcript of the call and they said their was not one ; I said their was as it stated at the beginning of the call it was recorded and this was an attempt to collect a debt. She said no ma'am it is recorded for customer service and to get a subpoena. I said I would follow another complaint with CFBP and from their the attorney general. They have also changed outstanding balance since the re-age.
09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 35805	Web
For the past, several months I have requested XXXX and Drive Time to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with DT Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. After checking more into the matter : I purchased the car from DT on XX/XX/XXXX on a contract that was not signed by me. A DT employee forged my name on the contract. DT started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. DT has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When drive time reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number Reason XX/XX/XXXX Social Security Number xxxxx XXXX Variation DT was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit Drive Time reported it
04/11/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33141	Web
I got a loan with Drive Time in XXXX till XXXX, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Initially Drive Time refused to fix it and that is when I filled my 1st complaint with Bureau Of Consumer Finance. Shortly after I was contacted in writing by XXXX XXXX B. please see letter attached ( although she had the wrong year on top of the letter ) She contacted me in XX/XX/XXXX not XX/XX/XXXX. In the letter she stated " we are only able to reinstate paid loans through XXXX, as they are the only credit bureau with the ability to do so. This update should reflect on XXXX XXXX 's credit reporting with XXXX within 30-60 days. '' I accepted her terms, however till this day XX/XX/XXXX, XXXX tells me they never received the information from Drive Time to report it. XXXX provided me with a copy of my credit report showing no evidence of Drive time being reported. I contacted XXXX XXXX XXXX office on XX/XX/XXXX, XX/XX/XXXX and XXXX, I spoke with XXXX different people and they all claimed XXXX XXXX XXXX was not available. None of them seem to know about the letter from XXXX XXXX B in XXXX XXXX and when I brought it to their attention, they all said XXXX XXXX XXXX will have to call me back. I find this completely irresponsible from Drive Time and I ask for mediate compliance as per the letter from XXXX XXXX XXXX, please see copy attached. Thank you
03/20/2023	No	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AL 35215	Web
This company is in violation of 15 U.S. Code $ 1681m - Requirements on users of consumer reports by denying me credit after I applied in good faith. ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( C ) Information described Information referred to in subparagraph ( A ) - ( i ) except as provided in clause ( il ), is information that- ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( Il ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include- ( 1 ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
08/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX XXXXX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS { XXXX ] RE : XXXX /Drivetime Account # : Vehicle : XXXX XXXX XXXX XXXX XXXX VIN # : XXXX c To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX in the State of Texas on or about, XX/XX/XXXX and resold on or about XX/XX/XXXX by ( auction company ). Under the laws of the State of Texas and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and XXXX - XXXX remedies. Best Regards, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
05/13/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21157	Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 90025	Web
Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " DT CREDIT '' I do not recall authorizing or " someone is using my identity ''. I understand that " DT CREDIT '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. Inquiry date : XX/XX/2020 I sent a certified letter to DT CREDIT on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested DT CREDIT to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. DT CREDIT - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " DT CREDIT '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
09/13/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32811	Web	Older American
My husband and I purchased a used car, a XXXX XXXX XXXX in XXXX from a DriveTime dealership in XXXX, Florida. Throughout a period of XXXX years, XXXX, we paid our monthly payments on time, but the car start having mechanical problems only a few months after we purchased it. We tried to resolve the issues with the dealership directly, and even taking it to their mechanic of choice. However, we found out the mechanic bills were added to our original debt and the mechanical problems persisted. At this point, early to mid XXXX, my husband and I had already paid $ XXXX {$8000.00} for the car which included a {$2500.00} down payment plus all the mechanic bills. After no solution was given to our situation, we returned the car to dealership. It was not repossessed by the dealer but voluntarily returned by us ; the affected customers of a car that was not in good conditions to be sold in the first place. We were swindled from our money for a period of almost two years, and no solution was ever given to us, even when the car was voluntarily returned to the dealership and sold once again to a new unexpected customer. Now after almost 20 years of this predicament, a collect agency and supposedly legal representatives of DriveTime in California are trying to threaten my husband and I with a court case with the intent of getting more money out of us.
12/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 350XX	Web
My name is XXXX XXXX, and at the age of XXXX ( currently XXXX years old ) i was in need of a car and had no credit. I knew it was n't gon na be easy. I soon ran across Drive Time a popular used car dealership, as i was looking at the car, i pointed out a XX/XX/XXXX XXXX XXXX XXXX, not even fully loaded remember this is XX/XX/XXXX, i thought it would be the cheapest giving it had XXXX miles and 12 years old. As i was sitting down filling out the paper work etc, they said i would only have to put XXXX $ down, and bam! the agent said its that easy. They ended up charging me XXXX $ for the vehicle a XX/XX/XXXX XXXX XXXX, and they had a guy go over the contract so fast it was crazy he kept skipping like XXXX pages saying, you do n't have to look at those pages. They financed the car at around 28.6 APR along with a hefty finance fee, i had had no idea what simple interest was, they threw in all these warranty 's and perks that added to the price they did n't ask if u wanted them just said you could opt out if you wanted too. I ended up with a price of like over XXXX $ and i am gon na end up paying XXXX $ for a XX/XX/XXXX XXXX XXXX. I feel like this is unfair and would just at least like to have the option of refinancing or a lower price i understand i signed the contract and everything i just wan na pay a fair price, Thank you for looking.
09/28/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77040	Web
On XX/XX/XXXX I voluntarily repossessed a vehicle with drive time. On XX/XX/XXXX that showed on my credit as a charge off for {$8900.00}. Drive time contacted me on several occasions asking me to settle the account, I declined. In XXXX XXXX drive time reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX Drive time again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. Drive time is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof
11/26/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	FL 34698	Web
The company failed to respond to the concerns surrounding the violation of UDAAP. I explained on the call and the letter i was not in the right frame of mind at the time of the loan and their agents knew it. I was distraught by being behind on a vehicle at time of this purchase. Their agent took advantage of me and put it a worse situation. This company told me at the time of the loan they did not take into consideration the vehicle i had outstanding when it came time for the DTI calculation. I was told they only look at the new loan amount and the gross income. Logically speaking it doesnt make sense to take on a second vehicle with a higher payment than the one i was behind on. This is a predatory lender that has had class action suits against them and i bet there are several people that have the same scenario as me. The prey on people with challenged credit. The want people to default on loans by putting them in unfavorable situations. What I asked for is not unreasonable. So once again. Please purchase the account back and close the loan without selling it again. They did not even look at the account until after they spoke with me. This company needs to take the consumers concerns seriously instead of just providing a blanket statement like this one. I was coached into the responses they are referring to by the agents.
10/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC XXXXX	Web	Servicemember
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30088	Web
I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX Formerly known as Drivetime and XXXX XXXX. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s ) bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit bureaus.
01/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32244	Web	Older American
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX ; XXXX, FL XXXX. On XX/XX/XXXX the car stopped on the highway unexpectedly, I assumed it may have been the battery and had the vehicle towed to XXXX XXXX XXXX XXXX located in XXXX, Fl. In the interim I reached out to XXXX XXXX ( Dealer warranty ) at XXXX to notify them of the vehicle status. On XX/XX/XXXX I received notification from XXXX of XXXX XXXX that the Catalytic converter was missing and it appeared to have been sawed off/stolen. I believe the vehicle was sold to me with this part missing and a proper inspection would have discovered this issue. I brought this to the attention XXXX XXXX XXXX on XX/XX/XXXX and was advised to have XXXX XXXX XXXX XXXX file a claim with XXXX XXXX to review for repairs. I was notified by XXXX on XX/XX/XXXX that the warranty company would not install a new catalytic converter. I was then instructed to file a claim with my insurance company for theft, although I am quite certain that the part was missing when they sold me the car. Now I am stuck with a vehicle at the repair shop and a bill totaling {$3900.00} to add a missing part. I believe the dealership took advantage of me and knowingly sold me a vehicle that was not properly inspected which could have resulted in a major accident.
07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95054	Web
I am a victim of ID theft. I have filed a local police report and the FTC complaint. The thief tried to obtain credit fraudulently from drivetime on XX/XX/2021. I disputed the inquiry on my credit report through the credit bureau. On XX/XX/XXXX I received a letter from drivetime stating that they denied my request. ( see attached letter ) Quote : " Our records show your credit was pulled after you visited our website, www.drivetime.com, or one of our dealerships on XXXX XXXX. Our records also show you gave us permissions to pull your credit because you were interested in obtaining credit for the purchase of a vehicle. Since you authorized the credit pull we will not be able to grant your request. '' I immediately called the company at the number on the letter. After explaining the issue and getting nowhere I asked to speak with a supervisor. The supervisor identified himself as XXXX XXXX from the customer relations team. He told me they will not remove the inquiry because it was legitimate and they have no proof it was not initiated by me. I was very clear that I am a victim of ID theft, I never authorized anyone to obtain credit in my name, I have filed the report with the authorities and I offered to send them a copy to verify my claim. XXXX XXXX still had no interest in resolving the matter.
12/04/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29715	Web
I am a person that has gotten a car loan wit DT Auto Credit. When my loan is a day late, they call me XXXX times in a row. As of right now, my loan payment was due on XXXX and they have called me a total of XXXX times since XXXX about my payment. Even when I tell them what day I am going to pay my payment, they proceed to call me sometimes a the next week to tell me that the information has been kicked out of their system. When I ask to speak to a manager or a supervisor, they deny my request. I have call upwards of XXXX times to attempt to get to a supervisor, and they either refuse to answer my calls and put me on hold or they refuse to give me a supervisor to talk with. This is an ongoing issue that stems from their model. It goes from if you situation or finances change, they do not help or negotiate with you to ensure that you are able to keep your vehicle, I have been told before that I did n't need to pay my rent but pay my car payment, I 've been threatened with having my vehicle repossessed when my payment is no more than five to ten days past due, and they only let you change your payment cycle once during the life time of the loan. The harassing phone calls are the worst as well as their rude customer service people from the number XXXX. They call at XXXX and as late as XXXX at night.
02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19023	Web
It has come to my attention that DT CREDIT has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT CREDIT Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that DT CREDIT takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 152XX	Web	Servicemember
To whom it may concern, I've never given XXXX my written consent to furnish any of my NON PUBLIC PERSONAL INFORMATION. It was never made known to me that I have the RIGHT by LAW to opt out of my information being reported/sold as made clear in 15 USC 1681 of the Fair Credit Reporting Act. 15 USC 1681 states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer Please provide any documentation with my written consent allowing XXXX to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.
08/30/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33461	Web
On XXXX XXXX of 2015 I went into a DriveTime dealership. They advertise being able to assist with low credit situations in which they GUARANTEE vehicle approval based on income. I feel that ever since I set foot into the dealership I was steered the wrong way due to a desperate situation. I am a new father with a XXXX week old newborn. We needed a safe vehicle prior to delivery of our newborn. They preyed on me in this situation and gave me like a 28 % interest rate on a XXXX. Prior to purchase XXXX stated vehicle was valued at about {$10000.00} which drivetime purchased at auction. Vehicle had previous accidents in which the AUTOCHECK report was designed to not tell you all about the accidents. LONG STORY SHORT, I was sold a vehicle at around 22 % interest but only after providing {$2200.00} cash down. The payments are costing me a WHOPPING {$430.00} PER MONTH ON A XXXX!!!! DO NOT GO WITH THIS COMPANY! IF DRIVETIME WOULD LIKE TO ACTUALLY ASSIST ME IN RESOLVING THIS MATTER THAN I WILL GLADLY MARK CASE RESOLVED. OTHERWISE STAY AWAY EVERYONE! THEY WILL TAKE ADVANTAGE OF YOU AND YOUR SITUATION. THEY 'RE QUICK TO REPOSSESS TOO AND THEY WILL CALL YOU A XXXX TIMES THE DAY AFTER A PAYMENT DUE DATE. THEY HAVE ALSO VIOLATED DO NOT CALL LISTS MULTIPLE TIMES IN WHICH I COULD SUE FOR.
08/28/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MD 21114	Web
See my prior complaints filed against them DriveTime and XXXX XXXX XXXX. Has been a game of cat and mouse and cant get straight answers from either. Both company 's push blame for miscommunication on each other. My latest complaint and question is what gave them the consideration and/or details of what went into me getting a higher interest rate on my new contract with them after they bought back my other vehicle. XXXX has stated that when I had signed my new contract that my other loan was still on my credit so it went into the consideration for my new interest rate on my current vehicle. What was used to justify me getting a higher interest rate on a vehicle that I actually financed for {$100.00} less than my other loan which was deleted? I was given a higher interest rate and over the life of loan I am paying over {$600.00} more because of the higher interest rate and 3 more payments. all of my other on time payments that my other contract showed should if anything made my interest rate stay the same not go up if anything should go down. Upon calling XXXX and asking what goes into consideration on getting an interest rate I was told by XXXX who nows my case well that XXXX doesn't set the interest rate the dealership does so this is my question how is this justifiable.
07/27/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30311	Web
Effective XX/XX/XXXX, I reviewed my XXXX XXXX account as always because I am done with my car loan. I have been told numerous times that my maturity for my vehicle with done making payments will be XX/XX/2020. I have documents in black and white as well. My initial maturity date was XX/XX/2020. But that payment was added on to the end of my loan which made my new maturity date XX/XX/2020. Now, out of the blue XXXX aka Drive Time is saying that my account is past due in the amount of {$290.00}. Which I have spoken with several customer service agents who clearly stated they did not know why the amount was all of sudden on added to my loan balance. I even went inside of the Drive Time location in XXXX XXXX, GA. and spoke with a sales associate name XXXX who consulted with the store 's manager who stated they are unable to provide a logical reason as to why the amount was added onto my loan and to contact customer service on which I did and the customer service agent was not able to provide me an answer as well. I have submitted many complaints in regards to fraudulent information this company is reporting as well as being unethical. CFPB would you please assist me with this issue? Drive Time needs to be fined for being unethical and committing fraud on consumers accounts.
03/23/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30058	Web	Servicemember
I purchase a vehicle from Drive Time approximately 8 months ago. I have been paying on time and looking to refinance the vehicle. I had my credit pulled and I was told that Drive time has not reported my payments to the credit agencies. When I first purchased the vehicle I was told that by the manager that drive time will report my payments within 30 days of purchase. I contacted DT Credit Company and asked them what was the reason that they havnt reported my payment history. I was told by several employees that they had a new system and have not reported anyones payment history since XX/XX/XXXX or XX/XX/XXXX. I asked the manager how come no one has informed the customers that DT Credit Company was not reporting. The manager stated that he did n't have an answer. I told the manager that part of the contract of purchase stated that they will report to the credit agencies within 30 to 60 days. I informed him that if DT Credit Company had a system problem the customers should have been informed. I also asked him if there system was hacked and if my information was compromised and he could not and would not have a answer for that question. My issue is that DT Credit Company are not telling perspective buyers the truth about reporting to the credit agencies.
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19023	Web
It has come to my attention that DT credit has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT credit an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that DT Credit takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
04/15/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	VA 23223	Web
XX/XX/XXXX. My supervisor sent me an email with a voicemail from a legal team from a private #. They called my employer and left a vm for them to call regarding my legal issues, which I have the forwarded email from my employers with the voice mail. When calling XXXX, the phone rung multiple times no introduction when answered but requested me to tell them about me with a reference #. Never let me know I was on a recorded line- asked me about my last 4 of my social which I said " mmmmm okay to. '' I said 17 year old debt for {$2000.00} in question. Never sent me any mail about this for over 10 years. Debt was for voluntary repo which was resold and written off in XXXX. Did not state whom they were until asked. I hung up and gathered my thoughts due to all of the scams going on and my phone being hacked recently. Called back to confirm their info and the 2cd caller did not introduce himself, was silent upon answering and I stated I was going to report and file a complaint, yelled at me to look out for a summons miltiple times. Kept asking for my # then reverse look up on the call. Stated debt from XXXX did not state debt was time barred past statue of limitatioms. I know my consumer rights to which they violated on 2 counts. XXXX XXXX in California.
03/10/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75216	Web
I have filed a previous complaint # XXXX. I was instructed to take the vehicle to XXXX for a diagnostic which I did. More problems were discovered, such as the ball joints and all the rust and MOLD on the inside of the vehicle which proves our claim it has been under water or water filled up the inside of the vehicle. The steel inside of the seats are COMPLETELY rusted!!!! I am being told that now they ( Drivetime ) are waiting on estimates to repair this. I told them I am not paying for anymore repairs ESPECIALLY when it confirms that this vehicle has been in water and is damaged which confirms why there have been so many repairs within the year! I had to pay for the diagnosis which I do not think is fair because they made me take it to them. I WANT MY MONEY BACK THAT I PAID IN MY DOWN PAYMENT, PAYMENTS, AND REPAIR COSTS!!!! I DO NOT WANT ANOTHER VEHICLE FROM THEM BECAUSE THEY DO NOT CONDUCT HONEST BUSINESS! They are continuing to give me the run around. And XXXX XXXX told me that Drivetime instructed them to send them a cost for repair but the advised them they do not repair interior. So they then ask for outside estimates. Why would we want a vehicle that has interior water damage???? That proves its been in water, we do not want this lemon!
07/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30311	Web
I received a Credit Alert from XXXX about information that is inaccurate regarding my current auto loan with XXXX aka Drive Time. I reported this issue a few months ago and it appears that the Credit is doing this fraud intentionally. After reviewing the XXXX auto profile, the Creditor has incorrect balance owed as {$660.00}, which is incorrect. I always view my XXXX account daily and I'm not behind on payments as well. The Creditor has my monthly payments as {$410.00}, I have documents that show my bi weekly payments is {$190.00} which equals to {$380.00} per monthly. The Creditor fraudulently reported that I was late five times which is so untrue. The Creditor would have reprocessed my vehicle if I was late on my payments for 30 days consecutive for five months. I am being harassed. The XXXX report number is XXXX, the reported date is XX/XX/2020 not only that the last updated date showing is XX/XX/2020. This Creditor is a liar and is committing fraud by intentionally reporting inaccurate account information to the Credit Agencies, which is why XXXX has alerted me regarding this Fraud. I would like to file a complaint please. I would like for this intentional fraud to stop immediately. This unethical stuff should not be happening at all.
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20707	Web
I am distressed that you have included DRIVE TIME information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. Companies aren't responding and reporting inaccurate information on my credit report. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you,
01/08/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89102	Web
I received a car loan from Drive Time on XXXX/XXXX/XXXX. During the life of my loan I fell during some hardship hence losing my job and unable to keep up with bills. My issue with drive is this, They would call my phone three times a day and leave messages when I would not answer. I my self XXXX XXXX XXXX XXXX XXXX XXXX XXXX know that after you make contact and leave a voice mail they can not call again and they can not call three times a day. Two in XXXX of XXXX I just started my job with my current job and would not get paid for two weeks. I spoke to customer service rep whom stated that they would prevent my car from being reposed if I made a payment on XXXX/XXXX/XXXX. Then not even three days later they took the car. I then filed a complaint with BBB I was advised that they would settle the account but had to be in one lump sum they offered two weeks to pay a XXXX settlement. They advised i would receive a settlement offer which I never did. I am now seeking counsel to file a harassment law suit with the company and providing me the consumer with false and misleading information about assisting me with payment plan during my hardship and refusing me a hardship hence i was behind one payment after being on time for more than 7 months.
07/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 37072	Web
I bought a car from DriveTime on XX/XX/XXXX & have made every payment on-time since then. As of this date, XX/XX/XXXX, I have no record of these payments being reported on any of the XXXX main credit bureaus. One of the main selling points of DriveTime is they help you rebuild your credit & included in my closing paperwork is what is entitled Credit Reporting Notice which clearly states that they will report this account 's activity to all XXXX credit bureaus & my account number is claerly visable in the top right hand corner of the page. I have spent months calling the DriveTime Financing office to only get the run around ... one excuse after another I 've heard ... & even spoke with supervisors who seemed to really be on the matter after they reassured me that my credit would be reporting soon I backed off ... .only to discover that nothing has changed! As of this date XX/XX/XXXX I have made XXXX consecutive on-time payments to DriveTime wich is Not reflected on any of the XXXX major credit bureaus ... .as a matter of fact their is no record of my even having an account with DriveTime. For the record, my account number is XXXX. I will include supporting documents in this communication. Thanks for your assistance!
11/08/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MI 481XX	Web
In XXXX I went to a Drivetime dealership and signed a loan for a XXXX XXXX. At the time of the loan I was struggling to make the payments on my XXXX XXXX. The saleperson was fully aware I was struggling, they talked in to a payment on the XXXX that was more expensive that the XXXX. I could not afford both loans. They continued to talk me into the deal and advise me I should give the XXXX back to the bank. I was persopnally in a distraught situation by being behind on the XXXX. Furthermore they talked me into warranties that when it came tio use them because the vehicle needed repairs, they denied me and I had to fight with them to get them to honor the repairs. I ended up falling behind with them, and eventually, because the payment was too high, I ended up giving the vehicle back to them. 2 years go by and then they sold the account to a collection agency. Due to the predator lending tatics, knowing I was stressed out about being behind which they knew about at the time of the loan, and giving me a higher payment on a vehicle that was 8 years old at the time, and advising I should let the other car go, they should buy the debt back from the collection company, close gthe account and never sell the debt again
07/07/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NV 89145	Web
On XX/XX/XXXX, 2017, I purchased a used vehicle from DriveTime. Unfortunately, after driving off of the lot, my cousin wrecked into the back with the other car. However, I was covered through my insurance and Gap on the dealer 's end, but the financial summary is not matching up to what they are saying. The car was quoted to be valued a little under 10k. I put XXXX down, but financed the remaining amount of XXXX. The loan included warranty, gps services, and maintenance service. None of which I was able to take advantage of since I had the car for only 20 minutes. My insurance is paying over 7k to cover the majority of the remaining balance and Gap will cover the rest. However, as I pointed out to the dealership, the money I paid towards the entire loan should have included many of the services I did not receive. My insurance company also agrees and advised that the dealer should reimburse me for a portion of these expenses. They have even taken a car payment from the bank they go through, which XXXX, a loan agency hired by DriveTime is behind a some of this financing arrangement. The dealership us refusing to cooperate and was extremely rude. I am left with nothing and am hoping you can help.
08/24/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IN 46142	Web
I financed a vehicle through DriveTime Automotive Group Inc. I made an initial down payment on a XXXX Ford Fusion. The payment amount was {$900.00}, and the bi-weekly payments were XXXX thereafter. For six months I made every payment on time and some even a day early. Some time in XXXX all of a sudden everything in my account was reversed and reapplied, and my statement now showed XXXX transactions per day where money was coming in and coming out. I have my bank records that do not mirror this activity. After that adjustment took place, I started to notice all of my payments were now going to 100 % interest and my Principal balance on my loan was not being affected. I have called and asked 5 times ( FIVE TIMES ) to have this reviewed. Each time a manager told me they would have it reviewed and someone would call me back. I have spoken with their collections manager who promised to escalate my call to payment research and PROMISED me a call back. I have heard nothing in over a week, and my next call in, the rep who took my call said there was no record of any conversation. My current payments are all still applying 100 % to interest ... My principal balance has not changed in about 4 months.
07/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92506	Web
I recently paid off a car financed with DriveTime, Inc. ( I had defaulted on the loan, and they repossessed it ). I submitted payment to DriveTime on XXXX/XXXX/2015. Payment was processed and posted to my account on XXXX/XXXX/2015. On XXXX/XXXX/2015, I received a letter by fax saying that my balance was {$0.00}. In a phone call on XXXX/XXXX/2015 with a member of the Repossession department, I was assured that I would receive my title in 4 - 6 weeks. As of XXXX/XXXX/2015, I have not yet received the title. I made numerous calls on this date to DriveTime, and was told several different things that contradicted each other, from the State of California holding up the title processing to the title not being processed due to a " system bug ''. I have included documentation of payment of the loan, as well as conversations with the various DriveTime staff members. Also included is a conversation with a representative of the California XXXX stating that DriveTime never submitted any kind of title or lien release paperwork. ( As each agency has a recorded statement that phone calls may be recorded, that satisfies the requirement of notification of call recording. See 18 U.S.C. 2511 ( 2 ) ( d ). )
01/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NV 89103	Web
I walked in drive time XXXX XXXX in the afternoon around XXXX XXXX XXXX to the desk as if they participated in through the lending and right after back the lady told me that it was some sort of XXXX XXXX trend I informed her that it's not a XXXX training is it in fact an act at all dealerships follow she then told me the other way to do this transaction was to put it down payment down I informed to her that day Banks do the obligations according to 12 years c is to borrow because Banks do not have money they have debt and negotiable instruments that have no power unless too contracting parties agree I told her that I would like to extend my credit but the consumer credit transaction and purchase the vehicle she continued to mock and demean my character willingly and knowingly I left after finally getting her to get on the phone with her finance department who told her to contact her general manager she is the assistant general manager however she identified as the general manager so when I asked her if there's anyone I can speak to above her she said no then proceeded to call her general manager in which I'm still waiting on a call back I don't think I'm going to get
12/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 34243	Web
Monday XX/XX/XXXX I applied for an vechicle XXXX XXXX XXXX in which i was approved But after email and phone conversation I am filing a complaint regarding my experience when trying to finance a vehicle with DriveTime I was approved online and upon speaking with XXXX from the XXXX Fl location he proceeded to tell me that a downpayment was required, compelling me to give him my social security number/card, and asking to verify my income. I expressed to him how that is a violation of 15 USC 1605 and that down payments aren't required when financing a vehicle. Compelling me to give my social security number is also a violation of 42 USC 408 ( 8 ) and in fact is a felony. Also the definition of Income according to 26 CFR 643 refers to stocks, bonds, trusts, and estates. As a consumer when obtaining goods for personal, family, and household purposes I can, t be denied credit and completed that application in good faith. There are multiple consumer violations and even though I have already been approved I haven't heard back from him which now I am being discriminated against. I have not had a pleasant experience and will seek legal action if this matter can't be resolved.
10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30339	Web
In response to Drivetime, Drivetime is listed as inquiry not a hard inquiry on my credit report! Hard inquiry means I would have given them permisson but since this matter is not a hard hard inquiry but a soft inquiry that still means Drivetime still unlawfully obtaining my credit report without my permisson! I have never applied for any financing or inquires for drivetime because I never had need for a car! I never went to drivetime website to fill out any application with Drivetime. And I will not be sending my personal information to Drivetime or any company that I have never had any contracts with! this is fraudulent. Drivetime stating I gave authorized which I did not and they have no proof that I did which I did not give them consent! Drivetime did not do investigating. I have never filed out any information with them or click any boxes to have my information on my consumer report pulled. DRIVERIME this is in violation of FCRA and lying stating that gave permisson which I do not. Drivetime purposely pulled my credit with out my consent. Please be aware I will filed a commercial Lien on your company if you do not comply to my demand
05/06/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 78130	Web
Since originating my loan with Drivetime, I have had nothing but issues. If I was ever one day late on my EVERY two week payment plan, Drivetime started calling me and harassing me nonstop. They called me multiple times and harassed my co workers in an XXXX at the XXXX . I told them to stop calling my place of employment but they did not stop. They also repeatedly harassed my references after I told them to stop and called me all day and late evening at home. Multiple calls in a day almost hourly. They would not work with me on a payment plan to catch up and once the vehicle was repossessed they report wrong amounts and different repo dates to the credit bureaus. They have violated many of my rights as outline in the FRCA like The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies - for one. I had told their representative to only contact me in writing, they refuse to do this. They prey on people with subprime credit and make matters worse doing it illegally.
07/27/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AL 36109	Web
XX/XX/XXXX we purchased a car we thought was only owned by 1 person! XX/XX/XXXX we notified the dealership of a dashboard issue. XX/XX/XXXX the car would not turnover and stalled. We went to the dealership and was told we had to call customer service for warranty details and they refused vehicle return. Issues with the car was ongoing. And the warranty promised did not cover electrical issues on the car and the issues were electrical. Ive advised them on several occasions I was unable to pay for the car because it was not properly functioning and asked them to pick the car up multiple times! I continued payments so my credit was not damaged due to reading recent reviews during that time. Car was still not working properly all of XXXX, we had no known location to return the car to as requested with agents and salesman. Ive disputed the inaccuracies to all credit bureaus and yet i am still seeing this account and the collections company dies not answer it return my calls! XXXX have not properly addressed my concern and had kept this damaging falsified collection on my credit behind 2 disputes with documents from me!
08/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 233XX	Web
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter,
04/23/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 77047	Web
i bought a motor vehicle from drive time in Florida, paid my loan for XXXX years paid my car off in XX/XX/XXXX, i did pay high interest for this motor vehicle, but that was OK because i saw that it would help my credit, which it did, in XX/XX/XXXX they removed the loan that i paid off of my credit reports XXXX of my reports that is, i asked them why they said they were updating there info and it would be back on my reports in XXXX days, i called them today XX/XX/XXXX and advised them that its not on there and i was being asked to pay higher interest from other banks because i had no qualifying accounts on my credit ... they said they can not and will not correct my reports and there was nothing they could do,,, so i feel like i wasted XXXX years of my life paying more money for something to build my credit and do n't have any resolve ... please help me i feel like i have been robed by a XXXX dollar company that does not care ... i should not have to be turned away ore pay more because of there short comings .... they took the interest on my car but did not want to deliver on what was promised when i bought the car ...
08/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
DriveTime/XXXX keeps harassing me and are in no way helping a customer who has been loyal to them. I will continue to file complaints until they fix the issue. As I started before the worthless car is not worth as much as I have paid the worthless care is disabled and the worthless car is probably still at XXXX place because Drivetime will not assist with towing it. You guys keep harassing me and there is nothing I can do to get this car towed you guys have robbed me blind with the car that is not worth it I want to see you guys in court let 's arrange that. You, people, think it is fair to charge people so much for an old car worth less than {$2000.00} how about we go to court and I get all my money back. I feel threatened and harassed by Drivetime and XXXX that is why I 'm so scared to answer. Besides the care been out of my possession since XX/XX/XXXX, my last payment was made in XX/XX/XXXX. Here is what we can do go to court so that I can tell the judge how threatened and stressed out you guy made me. Also, you guys are incorrectly reporting things to my credit report I can and will sue you Drivetime/ XXXX.
01/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27332	Web
I got a car from drive time and all they have been trying to do is run game on me and I 'm getting tired of it. The car I got from them had transmission problems and probably other stuff as well. The transmission had a recall on it, so I took it to XXXX several times to get fixed, but I got frustrated and called XXXX corporate office and told them what was going on and they supplied me with a code to get a new vehicle, which I was given. I called drive time to let them know what was going on with the vehicle and how I wanted to turn the vehicle and that the car they gave me was having issues, so I talked to a supervisor and she said as long as I turned in the recall info and how many times I took it too get fixed about it not affecting my credit, but I have n't heard anything from them. All I keep getting is the run around and no one knowing what I 'm talking about and I think they are trying to affect my credit, so they say keep the car until I hear from supervisor. Please help. I have made calls after calls. It has been a week and 3days and they keep saying I will hear something XXXX and then the next day.
09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23435	Web
On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
03/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 322XX	Web
I purchased a XXXX XXXX XXXX in XX/XX/XXXX from DriveTime, and the vehicle is a lemon. I have spent several thousand dollars in engine repairs, and the car is currently inoperable. The first repair was done in XX/XX/XXXX ( {$990.00} ), to repair a warped gasket because the engine was damaged. The vehicle is currently in the shop due to more engine issues and the costs are {$1900.00} to replace the engine. I have contacted the dealer and the finance company to try and have the vehicle replaced, but they keep referring me to the warranty company to have the vehicle repaired. I have a young child and I'm a healthcare professional, so transportation is important. I no longer feel safe driving the vehicle, even if it is repaired. I also spoke with XXXX, and they advised me to voluntarily repossess the vehicle... I feel as though DriveTime sold me this vehicle in a predatory fashion, taking advantage of my age and background. This is my first car and auto loan, I'm XXXX XXXX XXXX... So If i do that, it will harshly affect my credit and I may not be able to qualify for a car loan for years.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web
XXXX Contact info XXXX XXXX XXXX XXXXXXXX, IN XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DT CREDIT Auto Financing Companies Contact info XXXX XXXX XXXX XXXX, AZ XXXX To whom it may concern : I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. Enclosed will be a copy of my police report pertaining to the item supporting my position.
11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	GA 30339	Web
DRIVETIME where is my written permisson? Please provide me a copy of my written instructions to obtain my consumer report on XXXX. I never gave consent electronically either, that will not suffice only my written permisson is allowed to pull my credit report. Drivetime you did not have my written permissible purpose ( keyword " written '' ). Drivetime please provide me once again my written instructions. Drivetime you also have not contacted me and I have not received any correspondences from Drivetime aside from CFPB. The proper way of communication is via mail and I have not received any communication via mail. I would like for you send me my written instructions. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f )
06/08/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90746	Web
I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX DT Credit. -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX -- -- - Dispute letters were sent out XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Inquiry date : XXXX XXXX, XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XXXX XXXX, XXXX and XXXX XXXX XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. Inquiry date : XXXX XXXX, XXXX Net Credit -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX
09/09/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	SC 29681	Web
This is a final written notice to XXXX XXXX who acts as ceo of Drivetime I am invoking my right of rescission because of deceptive cosigner practices 16 CFR 444.3 and lies about the finance charge told to me by at the dealership in person. Today XX/XX/2021 somebody came by my house by the name of XXXX trying to steal my car for your company but he does not work for your company he works for XXXX XXXX XXXX. I was not home but my aunt was, he told her he works for XXXX XXXX XXXX and when he comes back if he does not see the car the police will come and arrest me. He nor you are licensed to collect debt from the division of banks. An XXXX XXXX who acts as ceo of Drivetime has not responded to any affidavits. This is a written demand to cease and desist immediately. This was a threat to me and my aunt. These actions have caused her XXXX and XXXX. These actions have caused me XXXX and XXXX. Do not threaten me, my aunt, my property or proceeds from this day forward or a criminal and civil complaint may be filed.
06/09/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75216	Web
I have filed several complaints with the CFPB including disputing the last response to my last complaint.I have had an ongoing dispute with Drivetime over the condition of the vehicle that was sold to me in XXXX 2015. We started having trouble 2 weeks after the purchase it has been in the shop over 15 times and we discovered the inside of the seats are completely rusted. We were advised a 3rd party inspector said that it is surface rust. we have taken it to 3 different establishments all at the direction of Drivetime. 2 of them advised the rust was excessive and it appears to have water inside the vehicle at some point due to the rust and mold. well finally we were advised to to take it to XXXX who could not do anything because they are a BODY REPAIR shop. Well then the 3rd party person comes out make the claim that is just surface and that 's it. They will not accept photos from me, but expect me to go with their final decision after they kept running me around until they got the answer they wanted.
04/27/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 296XX	Web	Servicemember
Drive Time is an National Buy here pay here car lot who predatory practices are criminal. THEY sale customers a vehicle wort h XXXX - XXXX XXXX dollars mark it up on the lot to aroun d XXXX - XXXX XXXX then act like there getting you a loan when it 's a buy here pay there is no loan and the loan is at o ver 20- 30 % interest leaving you a bill of ov er 21k fo r a used vehicle worth XXXX . I 'm sure there paperwork is in order when it comes to legal issues I just think the government needs to step in and do something about it its like me charging XXXX $ for a gallon of milk just because the time was rite its an immoral unfair business practice they need to be shut down or fined. There customer base is single parents and low income so they 're paying car payments every time they get paid meaning some months they pay over 600+ per month this product is not helping anyone but the owners of the company a XXXX sold for XXXX that 's XXXX profit will some one look into them thanks
04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28226	Web
My former complaint with Drivetime advises that I had a referral from them that resulted in a {$200.00} dollar credit that was accepted as a form of payment in XX/XX/XXXX. No one that I know of made a referral using my name inXX/XX/XXXX towards DriveTime. I am requesting that they give me the person 's name who used me as a referral. My sister had an account with DriveTime but that was before XX/XX/XXXX. So if they are using my sister 's account and trying to use it as a referral to me they are incorrect. I have gotten my sisters documents showing that she had a vehicle with them and in no way should have ANY referral been used against my account as I did not refer any one. That makes no sense ; why would I tell someone to use me as a reference on a car loan that was not actively being paid on. DriveTime is trying to reage my account. I will get a lawyer involved if I have to further escalate this. I want DriveTime to PROOF to me who and when someone used me as a reference as THIS IS FALSE.
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93710	Web
Thank you for allowing me to submit this CFPB complaint, I have contacted experian about hard inquiries that were not authorized by me. I filed ftc reports regarding four inquiries that were not authorized by me. I also sent copies of ftc reports and all documents to experian as they requested and yet still they have not removed these inquiries.its been well over 30 days for a few of these inquiries. They are in violation of my rights according to the FCRA. I have the right to an accurate credit report and also this matter should have been taken care of in a timely matter. The inquiries and dates consist of : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 DT credit XX/XX/2022 According to the FCRA I am entitled to a fine of up to {$1000.00} per violation. I have been in contact with XXXX XXXX credit, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DT credit yet nothing has been done. Please send me confirmation that these inquiries were removed immediately
03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34606	Web
XXXX/Drivetime has been reporting incorrect information on my XXXX and XXXX credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/drivetime couldn't even find an account # XXXX with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked bridgcrest/Drivetime on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX FORMERLY DRIVETIME # : XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX
11/08/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MD 20601	Web
The company constantly has robocalls calling from several different numbers. If I schedule a payment, they still continue to robocall. I talk to a rep and they tell me they ca n't see the online payments so they continue to call. They also robocall my job. If I do n't answer, they will email. If I respond back to the email, they tell me they are n't allowed to correspond by email. They set payments up biweekly instead of monthly. So if you miss a 2 week payment, they call and tell you you 're in default. Each message tells me they can help me find options, but whenever I try to get help, they tell me that there are no options available. I paid my loan faithfully every two weeks via direct withdrawal from my checking account. When I started having problems, I called and asked for help, they told me I did n't qualify. Now I 'm supposedly 60 days behind and they STILL tell me I do n't qualify for assistance. Even having one month moved to the back of my loan would help me catch up.
09/20/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AZ XXXXX	Web
I had a five year loan with Drive Time, I did XXXX deferments with them. I had a few late payments, although I did send extra money. My loan was supposed to be paid off on XXXX XXXX, 2016. According to their records, due to late fees, my loan was to be paid off by XXXX 2016. I was in the process of buying a home, and I wanted to get this loan paid off. I paid it off, I gave them XXXX dollars XXXX, then XXXX dollars more on the XXXX. My Mortgage lender had emailed me and said they had lowered my credit score. I could n't get approval for a loan for the house. I called Drive Time and tried to figure why that happened. They kept telling me it was late fees, but I knew I did n't have that many late fees. Then on XXXX XXXX, my daughter got on the phone with Drive Time and we tried to reason with them, but they would not listen. I feel they did me so wrong with effecting my credit score that I was unable to buy a home. I feel everyone should know about Drive Time, how unfair they are.
09/11/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80017	Web
Bought a car from DriveTme, Started having problem with car XXXX days after purchase called them and tehy told me to take care to warranty repir shop was refereed to dealership because the shop I took the car to could not do repair because they did not have the rigt equipment. drive time told me to take to dealership and they would cover the cost of the repair.When repair was completed the said they had to do a review to see if they were goig to pay for it. The car was broken when sold to me. and they lied and said everything had been checked out on the car. The engine service light came on XXXX day after I had the car Also the passenger air bag sensor was broken when the car was sold to me and this was not told to me Now i am without transportation and have medical problems ( XXXX that I can not get to due to their failure to live up to their contract.. I am very disappointed worried what will happen because I am stranded due to their breach of contract. can you help??
07/03/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CA 93065	Web
Recently I went to acquire a new vehicle for my own personal use for school and picking up my children to drop them off to and from. On XX/XX/XXXX I called DriveTime in an effort to purchase a vehicle and I went over all the details to make sure I was good before I got there ( as I had an appointment the next day ). They then explained to me as of recent they do not accept income that shows from any rideshare company but later changed it to say they don't accept any food delivery income as well. I proceed to state to them this is a personal use vehicle and not for commercial purposes and therefore I should not be discriminated on what I may or may not do with the vehicle. Also, I told them that it isn't rideshare and what someone does for a living shouldn't affect their chances at a vehicle. Furthermore, I explained I own already two vehicles so how is this affecting me from buying a car. This shouldn't happen and further consumers should be protected as well.
07/09/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89148	Web
I purchased a vehicle from Drive Time Acceptance in XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and DT 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.
02/24/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	AZ 85335	Web
XXXX XXXX /drive time is reporting me 30 days late the month they received my pay off from the new purchaser my vehicle was sold XX/XX/2020 to XXXX XXXX a pay off was requested XXXX XXXX was informed bill of sale was reported to mvd /dmv pay off was made I have never been 30 days late with XXXX XXXX in the XXXX years of having an auto loan with the company when i call they say their credit team will fight any dispute i have and report my final payment " my pay off " as 30 days late and there's nothing i can do about it I was in the process of buying a home and this hit dropped my credit score 44 points the fact that my history with them has been great and the month They get their pay off and im no longer stuck paying them thousands in interest i feel like they are punishing me when I have pay them in a timely manner I have already reported the company to the XXXX because of of the mangers told me thats the only way i will get any help from them
03/23/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30035	Web
Drive Time sold me a car ( Chrysler 200 XXXX ) at 16.9 % interest. I drove the car a little over a week and the Anti-Freeze hose was completely busted that I could n't even replace the hose i had to replace the entire hose including the cap mounted to the front of the car. Since I 've had my car the 2nd week I 've been filling my front right tire up with air because the light keeps coming on " low air ''. Drive Time told me today that my payment was Behind ; after a day when in fact I 'd paid the car not the night before they called through my bank - telling me that I would inquire a 2 % interest late fee EVERYDAY that I 'm late. I told them i would Not pay that I could show them receipt of the date and time stamp that I made the payment. I refuse to be paying a company that will try to bully me harrassing and calling my phone at work repeatedly during the day BEFORE and AFTER I 've made a payment. My number is XXXX and email : XXXXXXXXXXXX.
04/16/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33351	Web
-I how was illegally XXXX after being on XXXX seeing the judge the same week - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - had car towed even though my brother stayed five minutes away and could have received the car - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- it was the day before XXXX it was a XXXX act I have all the information in the court system- I need you to remove repossession XXXX XXXX from that time frame off my report - Criminal negligence of police officer and discrimination acts The event was misled my tags were expired but it was within the same month a few days after my birthday and the only reason why I didnt change my tag because the same day my mother told me I should wait to the end of the month and she is my witness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until my judge came back from a month long holiday vacation which indicated to me that it was a plot from the government
01/18/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 341XX	Web
My identity was compromised. As a result I have been a victim of ID theft. There was vehicle purchased totally on line, delivered to an address in a state I don't live in nor have never lived in. It did not match my Drivers license or any info given to this online lender. They are the ones who told me this on the phone. They have taken possession of the vehicle, sold it at auction and have reported this on my credit bureau with XXXX XXXX. I have submitted all the required Information they requested to have this removed and they still havent done anything other than try to collect on an account they know they should never have opened none of the information matched me or my credit file. AS a result they are victimizing me all over. I am in the process of obtaining my first home loan. The mortgage company can not give ma a loan even with PERFECT credit expect for this one open charge off. I have told them this and nothing is being done.
05/30/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MS 39047	Web
My husband I bought a car with Drive Time about 4 years ago in an effort to build our credit back up and we have paid this car note in a timely manner. Now we are trying to buy a house but it appears that Drive Time is not reporting this to XXXX XXXX. When we checked 3 months ago it was not on any of the XXXX credit bureaus they said there was glitch in there system. They sent us a letter apologizing with a statement of our good standing. Now it is time to buy the house and they give us the run around. I have called XXXX XXXX and they state it is on their record but it still does not show on the print out. Drive time continues to say it will be down loaded with everybody 's. We do n't care about anybody else at this point they have had 5 months to get this straight. I want you to notify them and let them know this is illegal. I can fax you a copy of the paper work they sent me back in XX/XX/XXXX when the original " glitch '' started.
04/06/2022	Yes	Vehicle loan or lease Title loan	Incorrect information on your report Account status incorrect	FL XXXXX	Web
XXXX XXXX account # XXXX is reporting the following account on my consumer report as charged-off. According to IRS publication 4681-2022/1099c ( Persons who each receive a Form 1099-C showing the full amount of debt. Form 1099-C shows the entire amount of the canceled debt. The ordinary income from the cancellation of debt ( the excess of the canceled debt over the FMV of the property ) must be included in your gross income reported on your tax return unless one of the exceptions or exclusions described later applies. You must report this income on your return unless certain exceptions or exclusions apply. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in XXXX XXXX. A total of {$5900.00} was charged off ; and {$1300.00} was written.
06/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 297XX	Web
I purchased a car XX/XX/XXXX. At the time I had filed a chapter XXXX bankruptcy. I had just completed my final hearing. I lost everything. After being advised by my lawyer, I was cleared to find a car. I had to have a car. I went to drive time in XXXX, N.C to purchase a car. I was asked for a final hearing letter from my bankruptcy. The car was approved and I was told with more money down, I could reduce my interest. I did pay XXXX dollars down. I have had a excellent payment history. Around XXXX XX/XX/XXXX I noticed a drop in my credit score. Drive Time had deleted my account from all credit files. As of date, it has not been placed back. I am told, the credit bureau will not allow it. After speaking with XXXX credit, I am told this is not true. Why are some account being reported and my account is not? Did drive time illegally sell me a car? What are they hiding and why is my credit score suffering XXXX to?
03/25/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 323XX	Web
We purchased a car on XXXX XXXX made timely payments and it was being reported to the credit bureau and we paid it off on XXXX. Since we paid it off it is no longer being reported to the credit bureau. I called to see what was going on and they said they had to stop reporting due to some inaccuracies when being reported to the credit bureau. But they would start reporting again the last of XXXX 2015. About a month later, I called back and they said that there was still some inaccuracies and they had to stop reporting again. I ask if anything on our account was inaccurate and they said my account was correct but that they stopped all reporting. That they will start reporting again and if they found more inaccuracies, they will stop reporting again. My problem is that we are in the process of buying a home and I need my payment history to be applied back to all XXXX credit bureau so that my scores to increase.
01/26/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KS 667XX	Web
I had a XXXX from Drive Time that turned out to be a lemon. They agreed to take it back and I could get another car. I got a XXXX which is now a mess also. The car has a short somewhere as it keeps locking its self and now the alarm keeps going off and I tried to undue the battery and kept it off for a while and when I put it back on alarm goes off again and I ca n't get in my truck cause it thinks the car is being broke into with the alarm going off. I was driving down the road one day when my lights started flickering and the alarm was going off while I was driving it. I was told XXXX was made better now and that they did n't have very many problems and now this which is now a second lemon plus the trunk pop up twice while I was driving it due to some damage back there that I did not see when purchased. They are selling cars that can cause wreaks or kill someone. I only had this car for 6 months.
07/24/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	KS 66061	Web	Servicemember
I have been in contact with XXXX XXXX customer service support agent and requested that we communicate via email. She was given my permission to do so has my cell phone in being serviced. I also requested a modification of my payments for two reasons. 1. the unnecessary add one done by the salesperson at the time of purchase resulting in higher payments $ XXXX vs XXXX. Salesperson XXXX XXXX. And 2 Drivetime advertises modifications on its website so the consumer can keep the car. I proposed the latter and was informed I needed to go elsewhere to refinance. Drivetime advertises modifications am I being treated adversely because I filed a complaint? I am going to make another payment XXXX XXXX. Do I need to contact the Office of Civil Rights because I am being discriminated against? I have no cell phone currently I wish to communicate via email. Why is this so difficult? I have given permission.
08/01/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AL 36609	Web
When my ex and I we married and did n't have great credit we went got a vehicle loan together. The loan was over {$400.00} per month which was ok when we were married. Once we divorced and I was the only one making the payments it became too much for me to afford. I called and asked if there was anything they could do to help. I asked if I could trade the vehicle I was currently paying on for something less expensive so that I would still have a vehicle and that I would be able to afford. They informed me that they could not help me with changing out my vehicle to make the payment lower for me and that I would have to find a way to still make the payments of over {$400.00} or simply turn the vehicle back in and loose everything I had already paid and be left without a vehicle. I 'm still being forced to make outrageous payments as a single mother of XXXX children with no help or assistance.
12/09/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	NV 89103	Web
Once again this company fails to answer questions directly ... The previous response listed the vehicle as a XXXX when in fact it was a XXXX. Furthermore they state the credit report they pulled showed the previous vehicle but no status ( since when does a credit report only show an account with out payment history, past due, etc ). So with those two obvious errors how can we conclude their staff acted appropiately? Chances are the staff that was involved in my loan doesn't even work there any longer. How can they prove what i am saying is inaccurate? Once again they fail at doing a thorough investigation. They need to provide responses from the employees I worked with and if they are no longer employed they need to buy back this loan. If they are not able to provide those response then this proves they are not thoroughly investigating this issue.They are not investigating this account.
09/24/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75115	Web
I XXXX XXXX would like to request the release of all phone calls made into Drivetime from the dates of XXXX to XXXX to the Consumer Financial Protection Bureau at the below address. I have been requesting a Loan Modification on my vehicle for over 30 days and have been continually given the runaround whenever I call in. I have never been late on my payments since my purchase in XX/XX/XXXX. I have attached all email communicationConsumer Financial Protection Bureau Attention : [ Employee Name, Division, and/or Office Number ] XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX am requesting the following:1. Please release all phone calls from the dates of XXXX to XXXX to the CFPB. 2. Release of your Loan Approval and Loan Modification Procedure from dealership to your corporate headquarters in XXXX and XXXX to the CFPB3. Loan modification to be granted with semi-monthly payments. Thank youXXXX XXXX
07/21/2018	No	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	MD 21114	Web
Have filed complaint to XXXX XXXX as well. Had a vehicle bought back from Drivetime because of some rust and mechanical issues. Didn't properly advise me of my options when turning vehicle back in. Said I would not get the 6 months of payments I had paired into vehicle because it was the time I had driven set vehicle I didn't sell myself a XXXX car they did. Because I had my contract reminded they were able to charge me a higher interest rate on my new vehicle. So Im not getting the 6 months of payments recorded to my credit score and am out 6 months of payments on a vehicle they shouldn't have sold me to begin with. How is any of this fair. I have documentation were they say I signed which I acknowledge is my signature to not have the 6 months of payments to reflect on my credit score but no where does it say anything about my 6 months of payments not being reinstated to me.
06/28/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 900XX	Web
I really have a hard time understanding how Drivetime/XXXX are still able to trick and put consumers in debt for these very faulty vehicles. How is it that they are XXXX in debt but still able to sell cars? These are not inpected propetly and they give you loans that are quadruple what the car is worth. How is this possible? Yet they are will in business this should be against the law. They harrass and taunt consumers for payments yet they are no help when it comes to car problems. I want to take drive time to court and sue them they are sick to keep getting a away with this scam. Harming people who desapratlemy need a car and being dishonest. They are no help to me have'nt had my car in over a month because they want me to do all the ground work they are no help and putting me through so much for a XXXX XXXX XXXX please shut them down and make them pay us consumers back.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29483	Web
The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
07/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33830	Web
I purchased a vehicle from Drivetime, They gave me a high interest rate but I was ok with it considering my credit rating. After driving the car for 3 years and bettering my credit I traded it in. The dealer that I traded to took awhile to send the payoff so my account was marked with my first late payment. I contacted Drivetime and explained the situation to them, They agreed to remove the late payment as a courtesy and I thank them for that. Fast forward a couple months and Drivetime is now XXXX, now the late payment is again reflecting on my credit report. I have contacted Drivetime again and even filed a XXXX compalaint just to be told that there is nothing they can do, which is XXXX because it was done before. I worked so hard to get my credit back into shape without filing bankruptcy just to have this single late payment ruin my credit again.
12/10/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31602	Web
Some years ago my husband got a car from Drive Time which unfortunately was repossessed some years back. He ended up passing away last year. A few weeks back I was looking to co-sign for my son a car when and realized that Drive Time had just recently put on my credit report that the car was repossessed as if it just happened recently. On top of that I never co-signed for the loan as I had no source of income at the time but my husband. I am currently on a fixed income ( widows pension ) with Social Security and have tried numerous times to get in touch with Drive Time in order to get the paper work showing that I never signed on the loan but they have failed to come through as I just gets the run around with them and it has become so frustrated. This is not only a new burden I am facing but also brought my credit score to a low XXXX. Thank you!
05/21/2015	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	FL 32724	Web
I bougth a car from Drivetime on XXXX. Drivetime was reporting to the credit bereaus faithfully until summer of XXXX. The automobile I have from them already have XXXX miles so I decide to trade the car for a better one. I visit Toyota Delearship on XXXX XXXX on XXXX XXXX and when they pull my credit quest what Drivetime stop reporting to the credit bereaus. The manager from the delearship told me that unfortunally they can not extend any credit at that time becuase no credit history. I make a report to you ... [ Case number : XXXX ) I was promise by Drivetime that this situation will be resolved, and has not until today. I attach the letter from them. I been paying my car with none 30 days past due what so ever. I deserved from them to report my credit history. The letter has been attach to you guys for further info and action please!
08/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	VA 23234	Web
I have been desperately looking for a new car. According to drive time, you input in your information to get personalized terms and vehicles to choose from that fit your credit. My credit is around a XXXX and my monthly income is about XXXX. However the vehicles that I qualified for online are not the vehicles that were offered in store. I asked the representative why that was, and he informed me that the website automatically shows terms for a monthly income of XXXX. So i put in my information, thinking I'm looking at cars i qualify for and according to the in store rep, I really wasn't. It's extremely misleading when everything is advertised as you get a car buying experience that is personalized to you. Going into the dealership today was so upsetting and sad. They had only one car I qualified for based on my income and credit.
09/08/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30294	Web
On or about XX/XX/XXXX I purchased a vehicle from DT ( drive time ) ( used XX/XX/XXXX XXXX ). XX/XX/XXXX is the first alleged missed payment. I was harassed and called on my cell phone, work phone, and relatives phones in regards to the debt owed. I was called at inconvenient times and often times the contact was rude and disrespectful. The collection practices unconscionable. The car was repossessed in XX/XX/XXXX and sold in XX/XX/XXXX ; DT continued to contact me and unconscionable manners. My credit report says the vehicle was sold in XX/XX/XXXX. DT has consistently and for years, incorrectly reported my balance, payment dates/amounts, they also illegally reposed my vehicle. They are reporting that the vehicle sold on a incorrect date, reporting incorrect payment history, and they are impacting the worthiness of my credit.
07/14/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 752XX	Web
I purchased this vehicle XX/XX/2018 a few weeks after i got the car i needed a new battery which i had to pay out of pocket with two months later the check engine light came on and i was not able to pass the emissions test so i had to get a one year waiver from the county of XXXX to be able to get my car tags i expressed to the dealership i needed a reasonable accommodation for my XXXX initially purchase upon to better understand the loan terms and even provided proof of my XXXX i was and am only paid once a month and still they set me up on bi weekley payments i feel they took advantage of me with the loan terms i was never offered the gap coverage that they say i declined fast forward a year later my car engine is blown they also sold me a lemon. I have a balance of XXXX and will no longer have this vehicle in my possession
11/06/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27609	Web
I purchased a vehicle from drivetime. In XXXX I could no longer pay for the vehicle. I voluntarly gave them the address in XXXX where the vehicle was located. They picked the vehicle up shortly afterwards. They have it listed on my credit report as involuntary repossesion. They are falsely reporting information on my credit report. There is no way they could have known where the car was located unless i told them. Reason being my son was driving it down at school at XXXX. My address and address on my loan application is for XXXX NC. When I told them where the vehicle was my son removed his belongings from the car. I spoke with a gentlemen today XXXX XXXX at Drivetime finance he read in the notes it was voluntary. As soon as I informed him that it was listed on my report as involuntary he quickly changed his story.
02/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	OH 44111	Web
Drivetime, XXXX XXXX and XXXX XXXX XXXX all have extorted me by breach of fiduciary responsibility in handling this trust account that was created via my social security cestui que trust. I as the consumer and beneficiary received no benefit of all these unlawful actions taken against me to liquidate my trust, also filling fraudulent tax forms to help aid in there fraud against me. As stated in 16 CFR 433.1 ( i ) i only held the instrument that evidences the a debt arising from the financed sale. The contract that was defaulted on was a contract between the seller and creditor as defined in 16 cfr 433.1 ( F ). I am in fact the holder in due course and have claims and defenses i can and will be asserting against this dealership for unfair and deceptive act and practices done against me as stated in 16 cfr 433.2.
02/09/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75024	Web
I traded in a car I was purchasing from Drivetime. The car was traded on XXXX/XXXX/XXXX and the payoff reached them on XXXX/XXXX/XXXX. I Drivetime on XXXX/XXXX/XXXX to confirm they had received the payoff which they did. XXXX XXXX overpaid them by over {$290.00} which Drivetime confirmed. I was told I should receive the refund in 10 days. I call back on XXXX/XXXX/XXXX and was told they never submitted the refund and it seems to it they were not planning on refunding it. They again told me to give them 10 days to process. I called today ( XXXX/XXXX/XXXX ) and again I am told to give the 10 days to process. I advised them if they held funds over 30 days they must pay interest. They told me to call them back again in 48 hours. I am starting to believe Drivetime has no intention of refunding the overpayment.
08/24/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease High-pressure sales tactics	FL 33162	Web
After notifying this company and General manager of my pre approval and wanting to come in to finsih my consumer credit transaction, the GM proceeds to decline my transaction thus informing him a cash down payment is not required nor a deciding factor. He managed discriminate my credit transaction informing me I can do business else where. Pursuant to TRUTH LENDING ACT AND 15 USC 1605a the term finance charge is defined as the sum of all charges this includes the charge of a down payment.. after notifying both the GM and Drive Times customer relations supervisor of my consumer rights and my right to credit and certain transactions. I have reached out to the customer relations support email in hopes to reach out to their legal team in review of my consumer rights and public law and knowledge.
08/29/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	OH 45238	Web
The debt was sold from drive time which the company is no longer in business. They reported that I owed an amount and apparently the company who bought it was XXXX XXXX XXXX. This company has been handling the account inappropriately. I had a court date because they took me to court for garnishment that I wasn't even privy to and I even had a letter stating that they had dropped the garnishment. I tried to get this overturned with a court but unfortunately it is harder than it seems with the Judgment going into default because I didn't know they were going to court. I showed up the last times in court thinking that they were going to show up and they never even showed up. I have tried multiple times to reach out to the lawyer that's on this account and he's never not once contacted me back.
08/17/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32809	Web
I am a Drive Time customer. They have repeatedly called me as soon as your one day late. One call is enough. In this case I have a XXXX year old car that has taking {$5000.00} dollars in repair which the warranty does not seem to cover any thing that goes wrong with it. They make you get this warranty with no option to say no. So thats added to the price of the car.So to keep car on the road so I can get to work. I pay through the roof to get car fixed. Then I dont have the funds for the payment on time. So the calls keep coming from XXXX eastern time to XXXX eastern time. Unfortunately this is the second car I have had with them since 2008. They did the same thing with first car. I could not get traditional loan from A lenders. Basically forced in to this cycle of XXXX again.
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 456XX	Web
XXXX XXXX/Drivetime is reporting inaccurate information on my credit report making it look like the account is in negative standing. However, this account was paid in full, partially by my insurance company and the remaining balance with the GAP insurance that was included when I purchased the vehicle. This vehicle was totaled in XX/XX/2021, payments were made up until that point on the vehicle on time and then insurance took over. However, they're reporting that since it took so long for XXXX ( Gap insurance ) to issue them a check that I was delinquent. XXXX is a partner company with XXXX XXXX/Drivetime, so I am not responsible for issuing the checks. Since they're a partner company, they should have maintained contact with them and got their check in an efficient manner.
12/11/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75254	Web
I have noticed XXXX numerous times thru disputes that there are NO debts associated with my name. There was an XXXX debtor search certified from the Texas Secretary of State that there are " zero '' debts owed to any alleged creditor. XXXX is in violation of the FCRA ( XXXX XXXX XXXX ) and guilty of re-aging debt, re-insertion of unverified debt, and using copyrighted property. On XXXX XXXX, 2015 Report No. : XXXX confirmed with a hardcopy notice of the deletion of alleged creditor " DT CREDIT ''. It has been over 30 days and XXXX is n violation of XXXX XXXX XXXX XXXX Each at XXXX XXXX XXXX {>= $1,000,000} XXXX per violation per XXXX XXXX XXXX. XXXX. Without Prejudice. I have been damaged and negatively impacted by this negative line of credit remaining remaining my report.
08/25/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 32082	Web
The vehicle that was purchased has an extended warranty with XXXX XXXX as well as a factory warranty with XXXX dealership. There has been problems since my purchase of the vehicle. The transmission has problems along with the engine. The vehicle slips into neutral often. Ive gone to multiple mechanics to get the problems fixed. The codes that were found from the diagnostic with XXXX XXXX says there is a electrical wiring problem along with a transmission problem. As well as the same model, make, and year there was a re call for the same exact problems. The extended warranty company ( XXXX ) along with drive time and XXXX are all pointing fingers at each other. Ive lost lots of money from missing work as well as out the pocket fees for this vehicle. Something has to happen.
04/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78245	Web
I bought a car from drive time XX/XX/XXXX. Paid really good till about XX/XX/XXXX I told them I could n't afford it and would like them to pick it up. I talked to them several times and always wanted me to keep it and they would work it out. I stopped taking there calls and they would email me to contact them I would always reply please just pick it up. I would have dropped it off but I could n't get it to start. They finally picked it up last week. The whole time I had the van I saw nothing on my credit report. Till the day after they picked it up ( I kept it insured the I entire time ). I was looking on line and saw the last suit they just settled. I do n't know if Texas was included and I did not read all of it. But from what I read they are still doing the same thing
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC XXXXX	Web
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX FORMLY KNOWN AS DRIVETIME ACCOUNT, HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.SC CODE 1681 A- DEFINITIONS ; RULES OF CONSTRUCTIONS- EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH THE TERM " CONSUMER REPORT '' DOES NOT INCLUDE ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ; 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN PLAN AS LATE FOR AND PURPOSE. THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.
08/12/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	UT 84121	Web
DT XXXX XXXX ( DriveTime ) financed my XXXX Jeep Liberty from XX/XX/XXXX to XX/XX/XXXX after which I fully purchased the vehicle and have title in hand, has begun reporting this as a " Repossession '' negatively to all XXXX major credit reporting agencies - significantly degrading my credit score and reputation. This may even impact a pending career promotion. See case number : XXXX that references me purchasing the vehicle and their delay in providing me the title due to a new documentation system. I find this distressing that they continue to cause me inconvenience now bordering on harassment by reporting this as a Repossession. I can provide, both " Release of Lien '' and " State issued title '' without lien holders as proof of my position and claim.
04/28/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33065	Web
The SUV loan that I am paying for via Drive Time/ XXXX XXXX is Ridiculous. I purchased a XXXX XXXX XXXX from this company and the truck has driven well for a ll of 2-3 mo nths. I have had it since XXXX . The over loan for the car is XXXX and the car will not last they length of the loan. It stops in the middle of traffic and the return policy ends after 5 days. None of their approve repair shops have fixed the many issues this SUV began to have after thi s 2-3 period. I a m in the midst of addressing once again the repair issues and the representative has been accommodating. But I know and they ( Drive Time ) kn ows that this car was a severely used care lemon and the car report card that I was given at the time of purchase was false.
03/24/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 78221	Web
The company I bought my car from is Drive Time. This company is constanely saying that i am further and further behind and this evening they called my landlady about my bills, thats it I 'm done with them. I know that from your alerts, that this company is already under a 5 year watch and only 3 years into it. My contract with them says I am to make bi-weekly payments, but ever since the 2nd month of on time payments, they have been requesting more and more payments. I have had to break my payments down to weekly payments, just to get them off my back & they still call!?! They sometimes call from a company called XXXX, this company according to the BBB does not exsist & has not had any sign of activity since XX/XX/2013, please do something about them.
10/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DC 20008	Web
XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. HI, I have contacted the two of the credit bureaus about the posted companies. I am not familiar and I do not own a vehicle at all, nor have I made any inquiries. I've been a victim of 2 major company breaches and one other with my email and telephone number. I am in tears not just because I am seeing this again, the credit score companies are not listening and my credit score went down by almost 100 points! This is so upsetting. I have reported the two again today, being a third time. When I checked my records, I now see ( will continue, unspecified )?
10/27/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77040	Web
XX/XX/XXXX I purchased a vehicle from drive time in XXXX tn. The amount financed was XXXX. This includes a warranty I purchased with the vehicle. XX/XX/XXXX I voluntarily repo the vehicle after I was told I could not trade as I was told when I purchased the vehicle. Drive time put a charage of XXXX on my credit. According to the laws of tn in regards to credit reporting by buy here pay here businesses. The business may only report a loss. Since I made 13 consecutive payments of XXXX totaling XXXX and drive time stated that the vehicle sold for XXXX. The refund of the difference off the warranty XXXX out the account. So thE amount on the credit report is invalid and fraudulent while also against the law of fcra and the state of tn.
04/03/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	NC 28214	Web
On XXXX XXXX i purchased a leased suv from XXXX. After going over contract discovered down payment amounts i never agreed to within XXXX mins i asked for refund but was refused. After looking at numerous vehicles from XXXX different stores i finally decided on a XXXX. By XXXX the following day i was broke down on the roadside after working a XXXX hr shift.Called to get help and was told i had to pay to get car towed. After confronting manager i asked gor refind again still within my XXXX hrs and the store manager refused .After i threatened to call news station i was put into XXXX. And you guessed it XXXX weeks later this car breaks down i need help i was even still forced to make a car payment after only having the car XXXX weeks
02/03/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21220	Web
On XX/XX/2022 I went on Drive time website for a free pre-approval on a car loan. I filled out the information they ask for a social security number to verify who I was I gave it to them but this pre-approval was without a credit check on XX/XX/XXXX I received an alert on my credit stating that they ran my credit I never gave them permission to do this and when I called and asked about it they said if I gave them my social security number then that's why they ran the credit but where the information was it specifically says this is not for a credit check this is verification of your identity now I have had my credit hit and they don't want to do anything about it it was fraudulently ran and I don't know what to do now
10/20/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 90813	Web
I bought a car from Drivetime, the sticker price was at XXXX ended up with a XXXX, in the end after all payments are made I would have paid them {$27000.00}, I notice after two years I am getting charge a daily interest rate of {$5.00}, its making it impossible to bring balance down I tried refinancing the vehicle, but its only worth XXXX, no one will refinance the car because of what the car is worth, the car is just below the sticker price now, at {$12000.00}, I have called them several times to give me a lower interest rate the current rate is 15.9, I would like them to lower so I can pay off this debt, but they will not work with me, I have made all my payment on time so far and still they will not budge
09/09/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23518	Web
XX/XX/XXXX I purchased a vehicle through Drive time located in XXXX Virginia. I 've now realized that they had never placed me on credit report showing that I 've been paying on time I do n't even show them as A creditor I am paying through as an auto. Fact my credit report is showing I do n't have an auto loan active. I called on XX/XX/XXXX and spoke with Drive time representative. She informed me they were having problems trying to post with Equifax for people who have had bankruptcies. he informed me they been working on it and hopefully it will be resolved within 2 to 3 months. Informed her I have been paying on this loan For almost four years. Told me to call back then, see if it 's been resolved.
09/10/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33411	Web
I received a text message from Number XXXX : Your DriveTime pmt discussed is due tomorrow. Pls call XXXX if unable to pay. To opt out, reply STOP. Info provided is part of a collection attempt. So I called the number, thinking is a collection payment. They asked my name, XXXX of social and phone number, which I gave. Still my account could not be located, they started asking more questions at this time I became suspicious I asked what type of loan we were talking about and they said car loan or lease, so I said I will call my bank. My bank says my payments are up to date. So these people now have my name my phone number and the last XXXX of my social. Please keep me posted on this case.
06/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	UT 84121	Web
I paid off my financed vehicle early (ahead of the loan maturity date) at full non-discounted price, and still not have received my title after a month has passed. I need the title desperately, so I can re-register it in my new state as I recently moved (and my old state registration has lapsed). After 20 Business days and counting, I just learned they (DriveTime) only now released their lien and requested a new title yesterday with the old state I had lived. I am advised this can be a few more weeks before I receive my title which will be multiple months after I paid in full? This is ridiculous mishandling of the closing process especially since I requested it to be expedited.
01/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30047	Web
Good morning, this is my third complaint about this company. My last complain number is XXXX. This company is a master of deception. Our first complain was in XXXX. they said they would help us with the repairs of the car, and now their offering to pay us XXXX out of a XXXX dollar tab. Than i offered them to accept if they would finance the XXXX and they said no. And then i offered them to help me with the XXXX and i would buy my own engine, and i would have my own mechanic put it in and they said no. And then the representative claims we drove XXXX miles when the claim clearly states the problems were present before we bought the vehicle. They are unwilling to work with me.
07/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 783XX	Web
I was asked to cosign on a vehicle for my sister at Drive Time in XXXX of 2014. The vehicle ended up being a lemon and we had to file a complaint through the XXXX in Arizona because the company here in XXXX said it had ties to the XXXX here in Texas. The complaint was settled by allowing the return of the vehicle in exchange for my down payment and to remove ALL/ANY information used for the purchase of this vehicle from all three credit reporting agencies. i have recently pulled my credit and my sister has pulled hers and we have accounts on each others ' credit report with incorrect social security numbers and addresses that do not correspond to each others address.
05/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	KY 40229	Web	Servicemember
Bo ... ught a vehicle from drivetime due to bad credit cause mu XXXX mustang was rear ended and totaled and needed a car quickly for va appoiontments. loan had a 24 percent interest rate and a broken down 5 times in two months. Going under cause problems are not covered by the liited warrenty you are forced to buy for XXXX and gap ins for XXXX. I had a XXXX mustang that was rear ended and they say I owe XXXX because I did not not [ urchase gap ins.. They originally said XXXX a month was ok so I went anf got a XXXX car and ins for it. three weeks later I get an email saying that deal is is void and have to pay XXXX a moth for 36 moths on top of car and ins. payment..
06/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33060	Web
DriveTime from XXXX, Florida ripped me off. My car is {$8000.00}. I literally bought this car 3 weeks ago. Why does my loan say I'll pay {$25000.00} at the end of my loan. My interest was 25 percent. Like they say, " Never let a crisis go to waste. '' I am on XXXX and they refuse to assist neither did the loan company XXXX wanted to assist or change the terms. They made is so that I could not trade in my car because I had alot of negative equity. If I wanted to trade in my car at another dealership, I had to put {$10000.00} dollars down. My car was only worth {$3000.00} as a trade in. Don't go here. Drive Time XXXX used this crisis to prey on people like me. Beware.
10/11/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 21044	Web
In 2017 I entered into a consumer transaction with XXXX. Since then I have learned that fraud has been committed against me. XXXX XXXX is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635- Right of Recession. This was not included in my contract 15 USC 1605 ( a ) and 1605a ( 5 ) Finance Charge is the sum of all charges. I was charged, in addition to a finance charge a down payment and additional GAP insurance and fees. I have signed and notarized all complaints and sent Certified mail to t he of XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33617	Web
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
01/09/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	GA 30253	Web
Company refused Police Report and Identity Theft Report on several occasion dating back to XX/2016 to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.
09/14/2017	Yes	Vehicle loan or lease Lease	Incorrect information on your report Information belongs to someone else	MD 20646	Web
I pulled my credit report and noticed I had this account on my report stating i owed a debt for over {$10000.00}. I contacted XXXX to inquire about the debt and i was told the vehicle was purchased through a company called DRivetime in XX/XX/XXXX. I informed them I was XXXX at the time and did not purchase a vehicle and want the vehicle out of my name and removed from my report immediately. I submitted documenation of my XXXX as well and still as of XX/XX/XXXX nothing has been done or corrected. I asked them to send me a copy of my signature, social and drivers license to validate the debt according to FCRA Section 609 and they have not done so.
05/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 76137	Web
Drive Time XXXX received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE XXXX CREDIT REPORTING AGENCIES XXXX , XXXX , AND XXXX . The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment XXXX has yet to honor the terms of applying the payment. I am requesting that ALL ( XXXX ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.
08/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30311	Web
Effective XX/XX/2020. Notified via email by XXXX XXXX that XXXX reported to XXXX credit agency that my auto account is closed and I only paid the balance down to {$660.00}. XXXX is still reporting inaccurate information to the all three credit agencies intentionally. I do not owe this Creditor anything, all my payments have been satisfied. The account should be reported as closed paid in full and in good standing. I have filed several complaints regarding the fraudulent activity that XXXX is reporting on my credit profile. My next step on tomorrow, Monday, XX/XX/XXXX, I plan to reach out for legal assistance regarding the ongoing harassment.
03/30/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 233XX	Web
I have an auto loan with XXXX. The vehicle I have discovered is only worth about XXXX however the loan is out for XXXX. This is due to thr high interest rate and overstated price at the time of purchase. I fell behind on payments. XXXX called me numerous times. At times over XXXX times a day. I did eventually make payments but also was told by Drivetime that they would defer my late payments to help me out. A few weeks later, XXXX repossessed my car. There are exhorbitant fees charged equal to entire car payments. Buying. Car from XXXX is not like buying a car from other places. It is a bad deal and impossible to improve your credit from.
01/14/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	NC 28216	Web
I leased a car from drive time in XXXX of 2014, and I never missed a payment. I have it automatically taken out of my checking acct. We 'll on XXXX XXXX they only taken XXXX dollars out when they should have taken XXXX ... They stated that since my acct was old that they system kicks the acct number out ... I then called them backed and gave them my cc number and my debit card number when I spoke to an rep he stated that it did n't go through, but that 's a lie because money was on XXXX. They repo my car and now I 'm paying over XXXX dollars extra which to me not right they should make for the towing as it was there mistake.
09/15/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 35022	Web
I purchased a vehicle from DriveTime XX/XX/XXXX, they reported to credit bureau for 3 months and now state my information had to be deleted because of a bankruptcy that discharged XX/XX/XXXX..three years prior to opening this account. They continue to tell me that the credit bureaus will not allow them to report because of my bankruptcy and this is discrimination and negatively impacts my credit worthiness for no reason as this should have had no impact. My loan agreement and rights support credit bureau reporting and I want my information reported correctly and for the discrimination of bankruptcy accounts to be rectified.
04/09/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33610	Web
I purchased and financed a car from Drivetime in XXXX Fl in 2013. They have not honored their agreement to report this financed purchase to the XXXX main credit bureaus. I have made repeat calls on this issue for over one year and it still has not been resolved. I have them deduct my loan payment directly from my checking account but they still feel the need to send me payment reminders to pay my loan every month. I get a different answer every time I call with a different promise to resolve the problem. I saw the legal action you have taken against them so I thought you might be able to assist me in this matter. Thank you.
09/08/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NM XXXXX	Web
In XXXX of 2022 I applied XXXX. for an auto loan which they pulled my credit report and sent me an email told me I was approved for A vehicle with about {$1500.00} down and about $ XXXX month. They pulled a credit report which affected my credit score in which I took time off of work to go in person and fill out the paperwork at the end I was denied. I just find it frustrating that they have guaranteed approval odds. After the credit report hurts your score and the time that you take out of your day to be in their location at the end they deny you after sending you a email and text message saying that you are approved.
01/13/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33141	Web
I got a loan with Drive Time in XX/XX/XXXX till XX/XX/XXXX, was charges 25 % rate, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Drive Time claimed it was a mistake and they would fix it. Mean time they gave me a letter showing my perfect payment history. XX/XX/XXXX I found out Drive time still did not report my history , Drive time tells they are not going to report it because I had filed Ch XXXX prior to getting the loan. This makes no sense, since the only reason I got the loan and paid 25 % is to build my credit. Please help
01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60074	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, DT CREDIT add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
07/30/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 34769	Web	Older American, Servicemember
I bought a car from Drive Time with payments that were very high and was paying . XXXX XXXX XXXX the back panel of car kept coming off the whole windshield wipers hoses were corroded that It could not be fixed unless I paid for it. The Air Conditioner started going this in less then a year. No one would help me so my only option was to give it back and I got a letter from them that it sold for XXXX dollar's when they wanted over 10,000 from me. This I want removed and I am a Senior and felt like I was taking advantage of as no one cared to help me with these problems. Thank You XXXX XXXX XXXX
10/10/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NV 89104	Web	Older American
OVER 20 YEARS AGO, my husband left and took the car. I bought one in California from what was Drive Time back then. I asked that it was in good working condition and of course it was not. I gave it back. My credit suffered for years. Now, theyre trying to sue me for some tolling clause that was buried in the contract. I am a XXXX yo grandmother, living on SS of $ XXXX. This is ridiculous and wrong. They should not be able to ruin my long worked credit build for a XXXX car loan on XXXX a car I gave back because it was a lemon. I can barely live on what I make. I will not go down quietly
11/16/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30318	Web	Servicemember
I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with Drivetime XXXX XXXX, XXXX XXXX : Drivetime XXXX XXXX on XX/XX/2017. A consumer consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, that Drivetime XXXX XXXXXXXX XXXX XXXX XXXX Drivetime XXXX XXXX took cash. The finance charge is suppose to include insurance, but that Drivetime XXXX XXXXXXXX XXXX XXXX : Drivetime XXXX XXXX made me purchase insurance separately.
07/18/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web	Servicemember
XXXX XXXX is a collection Agency on behalf of Drive Time. This is a vehicle that had been repossessed and it is continuously being re-aged into my credit. This is a 8 year or more debt which the vehicle was returned and resold. The company continue to report as a charge off and derogatory reporting. The statue of limitation has ran out with the negative reporting on my credit reports. I continue to asked the collection agency and creditor to delete from my account. The creditor and the credit agency has yet to remove from my credit. Inaccurate reporting and missing information
11/17/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	OH 45215	Web
I was sold a vehice by drivetime and XXXX XXXX-upon trying to switch insurance companies I discovered that my car has a salvage title which was not disclosed to me in any of my loan documents and nor does it show in the banks system according to drivertime and XXXX I have spent over an hour on the phone with both companies and nothing has been offered to me except for an image of my title and they told me to take the matter up with the XXXX. Drivetimes address is XXXX XXXX XXXX XXXX XXXX, XXXX, Az XXXX please help me at this point I feel powerless and they are not helping me.
03/17/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33193	Web
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by DT CREDIT on XXXX/XXXX/2016 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22031	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX XX/XX/2021, DT CREDIT Inquired on XX/XX/2021. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
04/27/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36608	Web
I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ) - DT Credit ( XX/XX/2021 )
06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28105	Web
There are unknown hard credit inquiries listed on my credit report by DT CREDIT, that I have no knowledge of with dates of XX/XX/XXXX and XX/XX/XXXX. DT CREDIT company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
04/27/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94547	Web
I have had an account with DriveTime for over year now since XXXX XXXX, 2014. Since this time I have made monthly on-time payments via direct debit from my checking account. These on-time payments are not being reported to any of the credit bureaus. I 've contacted DriveTime about this issue and they told me they were having a dispute with the credit bureaus and once this was resolved my account would be reported. They also sent me a letter stating it would be corrected. As of today 's date this is still a problem and is causing an issue for me.
03/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 365XX	Web
I advised the companies that my information had been compromised from me sharing personal information via texts. I had various unconsented and unrecognized inquires on my report. I sent out letters asking that they are deleted and explained the situation along with sending screenshots to the companies of the texts that compromised my information. They didn't send me any proof that I gave them consent to review my credit, nor provided any solid proof that the inquiry actually came from me since ALL of my personal information was compromised.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30274	Web
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XX/XX/2021. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
10/24/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30047	Web
This is the sixth time in 2 years i have complained about this company ever since i bought this car from them we have so far paid more then XXXX in repairs for the past 3 months we cant even get this car to pass emission and therefore cant get our tag the car has been undriveable we informed them but they still report us late on our payments they will not take the car back and have attempted to process payments we told them not to causing us extra charges they claim to cfpb that they try to work with customers but they do n't
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32209	Web
On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from DT Credit on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.
06/26/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CA 92555	Web
I purchased a vehicle XX/XX/XXXX from Drivetime ( Car Dealership ) and they are not reporting my pmt history to any of the XXXX credit bereaus because of a prior BK that was closed XX/XX/XXXX. I have since opened other accounts with other companies and they are all reporting. Im trying to rebuild my credit and they promised me that they report to all XXXX bereaus and they lied because THEY ARE NOT.. All i want is for them to report my history with them. Ive made every payment on time and want it shown on my credit reports
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
My phone was stolen an someone decided to apply for different credit cards an sign up for things that I know i wouldn't get a approved for my ID copies of my social where in my phone so all my information was compromised an I've called several companies to let them know I never applied for a credit card loan or nothing eles am nothing has been done I don't need all these extra things on my credit when I'm trying to establish my credit I Need help getting this credit cards an loans I never applied for off my account asap
05/05/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CA 92277	Web	Servicemember
On XXXX/XXXX/2016, DT CREDIT ( DriveTimeXXXX ), XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, conducted a credit inquiry to my credit record from XXXX without my consent or information provided directly by me. This adversely impacts my credit report at a time in which I am trying to seek financing for a VA home mortgage within the next 90 days. I do not have an account through DriveTimeXXXX, nor am I currently applying for an account. They claim this information was provided through a third-party company to them.
05/20/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75024	Web
I wanted to info that i have been contacted several times by Drive Time with collections efforts without being read my Mini Miranda rights with multiple Vmails with personal information, I shared this concern with managment at Drive Time and i got told that even though the state of Texas inforces the mini miranda to be read when debt is due, they ( Drive Time ) as a company are excepted and dont need to advise. I am a little worried my information is being given without consent as well as my rights not being read.
04/30/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TN 37355	Web
on XXXX we bought a car from drive time and until XX/XX/XXXX the were reporting our credit history to all XXXX credit bureaus and since XXXX there has not been any records shared with any of XXXX credit bureaus we have been trying for months to resolve this problem with no success this is hurting our credibility. after we finnish payingfor this car we will have spent {$21000.00}. please help us and get drive time to report all of our payment history to all XXXX credit bureaus like the said they would do.
04/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77584	Web
I made written request to XXXX to remove any credit or identity freezes from account over one month ago. They have not replied and the freeze is still active. I applied for a loan at Drivetime through XXXX XXXX, the only thing holding me back is there request for my social security card because of a credit freeze that I told XXXX to remove. The social security card I presented was the original I was issued after birth, and because it doesnt look like the new SS cards, I have wrongly been denied credit.
12/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	PA 152XX	Web
On XX/XX/2023, due to being ignorant of the law, I signed the Contract where I, XXXX : XXXX, financed a vehicle for personal, family, and household purposesunbeknownst to the deceitful practices occurring that I was getting myself into. I have been made aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by DRIVETIME XXXX XXXX, XXXX ( DRIVETIME ) and XXXX XXXX XXXX ( XXXX ) to rescind only the illegal parts of this contract.
04/27/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 323XX	Web
THIS IS NOT A DUPLICATE COMPLAINT. IT DOES HOWEVER INVOLVE THE SAME COMPANY AS BEFORE. THIS IS ANOTHER ISSUE ALL TOGETHER. We purchased a vehicle from Drive Time on XXXX/XXXX/XXXX and the vehicle was financed for XXXX for XXXX payments and XXXX for XXXX payment due on XXXX/XXXX/XXXX off on XXXX/XXXX/XXXX. The loan and finances charges included GAP and GPS. I requested a refund of the GAP coverage and I was told we will not be receiving the refund. I do n't understand, since we paid off the loan early.
12/24/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MN 56303	Web
If the payment is not there immediately on the day it is due, regardless of the 10-day grace period or the fact that I have NEVER paid late in over a year, they call that day and every day until it is received. Payments are scheduled on paydays and it takes a couple of days to get the payment to them, so I have over 70 calls logged from them in the past year. I ca n't stand it! Give me a few ( 5-10 ) days grace period and THEN if I have n't paid, I understand a call, but this is utterly ridiculous!!!
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89052	Web
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them XXXX XXXX XXXX
08/22/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29681	Web
This is a written notice to ceo XXXX XXXX, cfo XXXX XXXX XXXX, dba Drivetime that I am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents there of. I was not disclosed certain information about the finance charge which is fraud. I demand my information be deleted, all payments, and money be returned. I also demand the cancelation of this contract and obligations set off for these goods and my title be mailed to the address of XXXX XXXX in good faith.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30296	Web
I'm accordance to fair credit reporting act my privacy have been violated 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33907	Web
XXXX XXXX I contacted XXXX and I was out of work. I logged in to make the my XXXX payment on XXXX XXXX but it was drafted XXXX XXXX XXXX reported a 30 day XXXX on my credit report. Ive called XXXX over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..
10/13/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77040	Web
Earlier this month ( XX/XX/XXXX ) I contacted the consumer financial bureau regarding false reporting by drive time to credit bureaus. I stated that I voluntary repoed my vehicle XX/XX/XXXX. I also stated that the company consistently falsely reported this information on certain months. I have not had an account with drive time since XX/XX/XXXX and just this month they just reported a repossession XX/XX/XXXX. this is a violation of federal law as well as the fair credit reporting act.
05/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 36575	Web
Prior complaint number is : # XXXX. I also am aware their is a harassment lawsuit filed against Drive Time, in which they still are not following suit and are not compliant with. I am also aware of the XXXX XXXX XXXX lawsuit, in which I believe Drive Time should be next for the suit description. I believe they discriminate on many aspects, such as race, age, and income. Are there even set credit tiers? Not to my knowledge. The interest and loan amount paperwork was not given to me.
08/27/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90650	Web
Drive time charges its customers a convenience fee if you call or go online or into a store to make a car payment. Also they overcharge their customers for things like on star and car insurance but refuse to give a refund if cancelled? is this even legal? How many cars have they sold that within the XXXX year the tires went bad or it had some kind of mechanical problem. They are taking advantage of people who are trying to rebuild their credit and that 's just not AMERICAN of them!
08/31/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 78753	Web
I initially obtained a loan in XX/XX/XXXX for a car lease for a XXXX XXXX XXXX, I obtained a loan from XXXX XXXX XXXX XXXX XXXX, as of XXXX it was changed to XXXX. I am in Predatory loan and need help out ; I am XXXX upside down in this loan from XXXX they were going to report me to the credit agency for {$27.00} yes XXXX dollars. When you ask for extension, they put so much interest on the deferred payment plan. I don't think I will ever be done paying for this loan, Please Help.
10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29615	Web
Representative kept saying Drive Time didnt pull your credit file. It didnt come out of nowhere.The company was very rude as I stated to them a inquiry appeared on my credit file from XXXX that negatively impacted my score as well my file with a hard inquiry. Stated they wasnt removing anything and it was nobody else to talk to. Representative kept trying to be smart mouth and argue with a consumer. The inquiry occurred XX/XX/2021 and they pulled my credit file for hard inquiry.
03/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Received unsolicited financial product or insurance offers after opting out	LA 700XX	Web	Servicemember
I was getting ready to apply for a car loan, I realized they weren't anywhere near me. They called and I explained this to them. I asked them not to pull my credit report, they did anyways without my approval. Then they did it again and I called them a second time. I'm trying to repair my credit and I don't want anyone pulling my credit report without my approval. Many companies does this even after you call them and keep pulling it after you tell them to stop. PLEASE help me.
07/12/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 900XX	Web
Drivetime XXXX are liars. I have talked with so many people to the point where I give up. I have told them numerous times the car can not be driven. If you guys want the car please go pick it up. You all have done nothing for me the only reason you guys paid the fee to pick the car up is because your sorry warranty team did not pick it up when it stopped in the middle of a busy road. I will just keep filing complaints. You all are a scam and there are countless lawsuits.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89123	Web
I applied for financing from Drive time for a vehicle and despite having approximately {$6000.00} a month in income they were only qualifying me for XXXX a month and requesting that I pay a down for approval. I believe the financing team at this company is engaging in predatory lending practices. I was in a no fault accident and am without a vehicle currently trying to maintain XXXX jobs and caregiving for my elderly mother this is unacceptable behavior.
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33032	Web
Inquiry appears on my credit report and have reached out to DT Credit by mail on XX/XX/XXXX where they never responded. Called ON XX/XX/XXXX DT CREDIT and they stated they can not remove the inquiry that only XXXX Called ON XX/XX/XXXX XXXX and they stated they can not remove the inquiry that only DT CREDIT CAN. Inquiry XX/XX/XXXX I have no idea what DT Credit is and they do not provide me with anything and would like this inaccurate inquiry removed
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30228	Web
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85022	Web
My identity was stolen and multiple loan and credit card applications were filled out, these companies then ran a credit check witch went agianst me as inquiries on my credit report and I would like them removed. The companies are XXXX XXXX banking from XX/XX/2022 - DT credit from XX/XX/2022 - XXXX XXXX from XX/XX/2022. I contacted the companies and they confirmed the inquiries and informed me I had to file a report with the FTC as I am doing now.
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 322XX	Web	Servicemember
Drive Time ( " DT '' ) Credit placed a hard inquiry on my crdit report. The inquiry is reflected on my credit report with at least 3 major CRAs. I requested that DT provide me strict proof, including a signed contract, via U.S. certified mail. I requested a reasonable review within 30 days upon receipt of my debt validation letter. I have not received a certified response from DT. The hard inquiry has not been removed within 15 days of my letter.
01/25/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	PA 19023	Web
DT Credit You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28213	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit on a credit card account under an open consumer credit plan as late for purpose.
01/18/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NC 27106	Web
Even after I made a partial payment they immediately continued calling me every 30 minutes starting at XXXX until XXXX. While I am still making my weekly payments I just missed one payment but continued the rest and they wo n't stop calling me.I am still paying them every two weeks. Then when I do contact them they are n't willing to help. They say that they ca n't reach me well pretty soon they are going to get me fired from my job.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30157	Web
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.
06/14/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WY 82009	Web
Drivetime account number XXXX ... .has illegally reported on my XXXX as the account is not mine. I contacted XXXX and notified they are in direct violation of FCRA and legal action will be taken against them. XXXX and Drivetime both have failed to provide proof the account belongs to me. I need to have CFPB notify both XXXX and Drivetime about this and remove it from my credit file as XXXX has failed to remove this account per law.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 usc 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
03/04/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 765XX	Web
Yesterday, DriveTime called every 2 hours starting at XXXX I placed a complaint. Today they started a XXXX and then again XXXX. I am not even 24 hours late on my payment. This is excessive and annoying my goodness I 'm at work and I know why they are calling. When I get off work I will take care of it. They need to learn positive collection practices, ticking people off is one way they loose customers and have so many repo 's.
07/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KS 667XX	Web
I bought a XXXX Buick Lacrosse CX from Drive Time in XXXX KS. I only had the car for about 3 weeks and only drove it about XXXX miles and a rod started knocking. I was without the car for 2 weeks. Got it back on XX/XX/XXXX and 5 days later the muffler fell of in the middle. The very next day the car started leaking gas. They said when I bought the car that it was inspected which I believe is not the case as what has happened.
01/17/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19701	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX & DRIVETIME/XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
03/30/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	OH 45245	Web
I filed bankruptcy in 2014. I reaffirmed my auto loan with DriveTime or DT Credit. When the bankruptcy was in process, DT Credit removed everything from my credit report pertaining to this loan. Once the bankruptcy was closed DT Credit will not report to any credit companies and the loan is nowhere on my credit reports. I have tried to traded my vehicle in and have been unable to because its like that loan does not exist.
05/20/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Personal information incorrect	GA 31093	Web
XXXX I have not run a report to buy a car. DT is just one of many I did not make. Other dispute statement personal information My alerts are with old number it doesn't allow me to edit and change my number. I.habe had my identity stolen so I need to lock my credit report almost always. Please delete DT credit inquiry and others trying to buy a car. In XXXX and XXXX Thank you XXXX XXXX Old number XXXX. To be deleted
03/24/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	VA 23505	Web
I financed a vehicle loan with Drivetime back in XXXX. I have been paying on the loan and the maturity date is XXXX XXXX. I checked my credit XXXX XXXX and noticed that the loan had been removed from my credit report. I have called Drivetime numerous time to correct the error to no avail. I feel this is a UDAAP violation because I was lead to believe the loan would be reported on my credit it has n't been reporting.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	CA 90044	Web
XXXX employer denied me work harbor XXXX XXXX XXXX wrongfully drug test me with out my consent.1 rental property in XXXX never stayed at residence. Also another rental property in XXXX XXXX never rented from them as well. Someone also has a home in my house we're there collecting mortgages out on currently I am in XXXX just got my XXXX XXXX XXXX XXXX XXXX kids just need you guys to see if you can help me.
11/21/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	TX 75134	Web
I have contacted Drivetime ( as it shows on my credit report ) and was told this is now XXXX. I contacted XXXX about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification
05/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AR 723XX	Web
I went to drive time with my granddaughter to buy a car. I was told I had to " cosign '' for her. She did not make timely payments however has paid XXXX more than if she had. This has my credit looking very poorly. Drive time refuses to sent me itemized statements. And to top it off I was told I was n't a " cosigner '' at all. Her names nowhere on the contract yet she signed the same paperwork I did.
10/18/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30294	Web
I just pulled a copy of my credit report, I was shocked to discover that i had some unauthorized hard inquires and I do not know where they came from. I believe i am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of buying a home for my family and this is hurting my chances of being approved. Pleas remove the listed inquires that I did not authorize.
03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 297XX	Web
Company pulled my credit report shows as a new installment or bank account inquiry.. From what I see they are trying to open a loan or bank account using my information, which is called fraud! Credit reporting agencies should not be allowed to pull my report as it is not needed to report a bad debt, instead now it looks as if I've applied for a loan or bank account.. This should be illegal!
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90744	Web
When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX XXXX XXXX I had submitted info to both the company and XXXX and nothing was done and no response and I requested a response and proof of my signature. Auto Financing Companies Contact info XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
12/04/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	PA 19143	Web	Servicemember
I purchased a car from drivetime they never told me that the car had recall on it the power steering went out while I was driving on XXXX and I almost died the warranty tried to blame me for the power steering going out. The car is sitting at the shop I am unable to drive it at all the car is not even a year old. I really they cheated me and I believe they owe me money back for this car
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 317XX	Web
I filled out application for apartment. I was denied lease due to alert on from consumer report. The alert stated : Inquiry information matched potential fraud ID data- credit file is unavailable. Please have applicant contact XXXX at XXXX. I spoke to XXXX representative and was told that there are 18 inquiries on my account. I need to dispute the inquiries that are showing.
07/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 374XX	Web
I was charged 30 % interest for a car loan. The car value was XXXX. I will pay XXXX for the car in total. I was never told I could lower the interest rate and the payments have been extended by 8 months. I would like to finish paying for the car now. they have gotten more money then the car XXXX is worth. This is unfair predatory lending. This is unfair consumer practices
11/23/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA XXXXX	Web
Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time.
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33028	Web
On XX/XX/2020 and XXXX XXXX DT Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX XXXX XXXX pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.
01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37066	Web
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX DT CREDIT XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Improper use of credit report ( shared without consent, credit inquiries appearing on my XXXX credit reports by your company that I did not authorize ) DT CREDIT Inquired on XX/XX/XXXX DT CREDIT Inquired on XX/XX/XXXX
09/26/2023	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	TX 77339	Web
Drivetime has furnished an account on my credit report without providing any evidence of me giving them consent to do so is in clear violation. I have tried several times to dispute this issue and nothing was sent to me. I am also aware of my right to privacy under the FCRA. I would like this account to be deleted immediately from my credit report.
07/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31210	Web
section 609 of the fcra states that there must be written consent from the individual for a hard credit pull ive noticed several in which i gave absolutely no authorization also usc 1681 states the same where there is no signature this is an unlawful act and is subject to punishment in a court of law there are several that im completely unaware of
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89123	Web
I know dates are from today XX/XX/XXXX back in XXXX i was given a lot of inquiries of my credit report that was not only false but because I asked to do soft pull rather then taking my points off my credit score and I need to dispute all my inquiries from all credit bureaus can someone please help me I was told to contact here t get some help
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27703	Web
Hey so theres like XXXX unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my XXXX credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud
09/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29680	Web
Notice to agent is notice to principal, this should serve as a written notice to Drivetime that I wish to pursue arbitration according to the contract for many disputes/ complaints I have with the unconscionable contract, false advertising about the price of the car, violations of the TILA, and miss applied down payment. Last 4 of ss XXXX
01/21/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30519	Web
Purchased a vehicle from Drive Time 2 years ago. I was told that they would report to the credit bureau, but they are not. Purposely try to make my payments on time, to help my credit, but they refuse to report while it is a positive credit. I do n't want to stop paying the loan, because that is when they will report the negative.
02/29/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NJ 08081	Web
My car loan company calls me up to XXXX 7 times per day. I have asked them twice to stop calling me. It is excessive and unnecessary and a hindrance to my life. I pay my payments online and pay extra just to avoid any telephone communication with them. I have asked them twice by phone and once by email to stop calling me.
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 398XX	Web
In accordance with the Fair Credit Reporting Act, ( account name and account number here ) has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
12/04/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75165	Web
I sumbitted a complaint against drivetime reporting againt my credit bureau report inaccurately and they responded back that they would remove their tradeline from my credit report but it is still showing. I have disputed with the bureaus with the letter drivetime provided that they will remove but its still reporting.
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 21207	Web
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from DT CREDIT located at XXXX XXXX XXXX XXXX, AZ XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76542	Web
I noticed that 3 inquiries from XXXX to XXXX for XXXX XXXX have opened accounts for credit cards that I dont have and never got approved for with my knowledge. As well as a XXXX DT Credit which I dont know what or who that is either. If someone could please help me figure out whats going on with my account.
11/18/2015	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	FL 34266	Web
Had a car repo in ( i think 2007 ) drive time called my brother in law told him there was a warrant for my arrest. Called me with this info, i returned call and it was a bill collecter. I advised i am on ssi XXXX. Collecter said if i dont pay by tomorrow they will take me to court and garnish my ssi.
06/06/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 314XX	Web
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A.States I have rights to my privacy. 15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
08/07/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 45324	Web
The interest rate is RIDICULOUS Ive never gotten explained this interest rate and i dont recall agreeing to these terms. The sales man was very misleading. Ive tried to get this explained to me or at least get the original contract where Ive signed for this and it has yet to returned to me.
06/17/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30016	Web
I started financing a car through drivetime in XXXX of 2013 and they are not reporting my payments to the credit beruae. my mom cosigned for me but the company flipped it and now she looks like the buyer and i look like the cosigner. in a result of this they are not reporting my payments.
08/30/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75115	Web
I signed a contract with drive time on XX/XX/22 and was never given 2 copies of information informing me of might rights to rescind. As if they were intentionally misleading me. I recently submitted a affidavit of rescission to drive time at XXXX XXXX XXXX XXXX XXXX fl XXXX on XX/XX/22
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 323XX	Web
On XXXX, i reached put to DT Credit about an inquiry that shows up on my credit report for XX/XX/19. i did not authorize this transaction and i kept being put on hold. i would love this unauthorized inquiry to be removed. that's illegal to use some one information without there consent
12/29/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	FL 32780	Web
Under the Financing Federal Law Section 15,16,35 it states that it is illegal for a financing company to require me to put a down payment on my car I bought. Since I am financing it, it's covered under the financing agreement. I am hereby requesting a refund of {$2600.00} that I paid.
05/05/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29209	Web
I have tried to reason with XXXX XXXX Drive time about my overdue balance since the car was repossessed, all I wanted is for it to be removed so that it won't affect my credit score anymore.i was XXXX XXXX XXXX XXXX and couldnt not work to afford the payments while hospitalized.
01/01/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32210	Web
DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates.
05/25/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10940	Web	Servicemember
As of XX/XX/2022 the is a hard inquiry on my credit report from drivetime. I never applied for drivetime. This is not an inquiry or application that Ive submitted to drivetime. I never authorized drivetime, verbally Nor have I ever authorized them to run my credit physically.
06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 336XX	Web
Noticed an Inquiry on credit report not authorized by me from Drivetime. I contacted them stating i did not recognize this inquiry and to please send proof I requested credit as required under FCRA. They returned with letter attached that DOES NOT MEET FCRA reiquirments.
12/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30318	Web
I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed
11/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX 78664	Web
Loan approved when I submitted social security number and they verified my income. Terms were {$0.00} down and approximately {$400.00} per month. Mid deal bank asked for {$800.00} down because I only had my paper Drivers license. I renewed my license yesterday.
03/11/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75098	Web
This vehicle had a bumper to bumper warranty on it. They never honored the warranty and I was looking at {$4000.00} in repairs. I had several dealerships try and work with them and they would not budge. After 2 months of not having a vehicle I let took it back.
02/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	PA 15146	Web
The company drive time repossessed the car in 2016, removed it from my credit report for over 5 years and then just put it back on 8 years later. I attached the contract and will continue monitoring this company before proceeding legally in 30 days from today
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76108	Web
I looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account
05/18/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 301XX	Web
I bought a car from drive time and they told me the car was being financed at XXXX and sum and the car actually was XXXX dollars took the car back in 2 business day to get a refund and they being lie about the refund and still have not gotten it
01/20/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IN 460XX	Web
I have asked my car lender to work with me so I would not fall behind on my payments or lose my car during this time while I am on unemployment but they are refusing to provide any type of assistance regardless of my consistent payment history.
05/24/2015	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	AK 906XX	Web
XXXX XXXX is a dept collector at drivetime, he has sent text messages threating repossession using a phone app which leaves .he leaves Anonymous text. He also leaves messages to references comitting third party disclosure messages to references
05/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 91792	Web
The following inquiry is showing on my XXXX Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact XXXX directly to remove. XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19026	Web
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33313	Web
On XX/XX/XXXX an inquiry was made through DT Credit for a car loan under my name which was false. I have not owned a drivers license since XXXX. I called the number on my credit report and they in fact confirmed that this was false.
08/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28208	Web
I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
01/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78640	Web
I went to XXXX XXXX to test drive a vehicle on XX/XX/2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89117	Web
I spoke with a representative of this company and I was promised that the inquiries made on my credit reports would be removed from my credit reports from 2021. This company never honored their word and removed the inquiries.
01/04/2023	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA XXXXX	Web
I purchase the vehicle an i was'nt offered any insurance for this vehicle an i make a down payment. Which is a consumer violation / 15 U.S. CODE 1605 / 15 U.S. CODE 1662 / Truth in Lending Act Regulation Z / 15 U.S CODE 1635
12/12/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32607	Web
DT CREDIT Address po box XXXX XXXX, AZ XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 342XX	Web
On XXXX XXXX drive time added a credit inquiry to my report that I didn't authorize. I've never done any business with drive time. I've asked them to provide me with documents with my signature and they failed to do so
09/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75115	Web
I got car loan XX/XX/22 and it has come to my attention that I was never provided my right of rescission or explained of my rights to rescind. I have submitted a affidavit to the dealership and creditor
07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91709	Web
I requested XXXX to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.
08/15/2017	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33617	Web
My credit report reflects a collection account owned by XXXX XXXX XXXX, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.
08/09/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	LA 71107	Web
DriveTime reported me 30 days late on XXXX/XXXX/2015 for not making a payment on a loan that was paid off by XXXX in XX/XX/XXXX. There is no payment due yet they reported a late payment.
10/09/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 303XX	Web
This account is paid up and no longer delinquent. The creditor is having a hard time providing updated payments and history. I reached out to them but to date they havent updated
05/27/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WY 82009	Web
There is a repossession from DT Credit on my XXXX credit file that does not belong to me I contacted XXXX and DT Credit and they are not helpful about removing this fraud account
03/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30906	Web
I have an auto account with Drivetime. When I am late with a payment, drivetime calls me on the telephone three to four times per day. Drivetime starts calling me at XXXX XXXX.
06/13/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 900XX	Web
Drivetime is a scam . Car b roke d own for the 3rd ti me on XXXX XXXX , 2017 currently in shop but they will not cover repair. They are at fault car was falsely evaluated.
01/15/2022	No	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60053	Web
I went to a dealership to buy a car. I intended to pay in cash. The salesman assumed because I was XXXX I would need financing, and ran my credit without my permission.
05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29803	Web
There's inquires on my Report that i don't recall or recognize and i need to come off my credit because i don't recall consenting to any authorization on my Report
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85021	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.
10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46256	Web
I just noticed a hard credit inquiry from DT Credit XXXX XX/XX/2022. There was no direct benefit or authorization for DT Credit to access my personal information.
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95215	Web
I have filed disputes In regards to the INNACURATE items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94568	Web
i have filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and have yet to receive any investigation results.
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 387XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
12/18/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising or marketing	NY 10457	Web
Forced into putting down payment withholding of information changing the format of the original contract, selling my contract Not accepting bill of exchange
01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94501	Web
I've noticed unauthorized inquiries on my credit report that I would like removed. I've also reached out this company to no avail. Inquiry Date - XXXX
06/23/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	SC XXXXX	Web
DRIVE TIME, INC leasedMANAGER XXXX XXXX XXXX, XXXX XXXX, XXXXMAIN ADMINISTRATIONFOR LEASING DEPARTMENTLEASED CARS ARE A LEMONXXXX.XXXX REFUND WANTED BACK
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	IL 60619	Web
DT Credit XXXX XXXX XXXX, AZ XXXX XXXX XXXX ( XXXX ) XXXX The inquiries on my Credit report auras are XXXX, XXXX, XXXX XXXX did not unauthorized report
10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	GA 30339	Web
Drivetime is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of XXXX
01/14/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33441	Web
You Guys Are Showing Up On My Credit Report As A Repossession But Law Once You Sell The Car By Law You Have To Remove Repossess From Credit Report
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92612	Web
I DONT RECOGNIZE THE INFORMATION FROM DT CREDIT ... IT WASNT ME..PLEASE REMOVE INQUIRIES ... DATE IS XX/XX/2020 ... AND XX/XX/2020 XX/XX/2020
01/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91604	Web
I have an inquiry on my credit report that I did not authorize. DT CREDIT Auto Financing Companies Inquiry date : XX/XX/2019 XX/XX/2019
05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 59701	Web
I would like to dispute these inquiries Iam unaware of them, I do not recall MakiXXXX these ... I would like them removed off my report
12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08638	Web
This company did XXXX hard checks on my credit i have no ideal who they are what this about name of the is DT CREDIT.IN THE STATE OF AZ
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38125	Web
DRive time inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX All on my credit I have never applied from these companies
09/06/2021	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web
Dt ran my credit and I had gave them permission however I didnt give them permission to run hard credit checks with multiple banks
09/02/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 707XX	Web
Ive already tried to dispute is but their saying a authorized the credit pull which I didnt. I dont even own a car
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32905	Web
I would like this inquiry deleted because I did not authorized this companies to run my credit this is fraudulent
09/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 080XX	Web	Servicemember
I have know knowledge of this account and that you did not authorize the reporting of this account on my reports
12/06/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web
this company had my car repossessed by an unauthorized third party and i want a copy of my original contract
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31906	Web
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.
08/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 304XX	Web
XXXX XXXX XXXX is being reported and it has an XXXX balance. This account need to be removed and updated.
06/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 777XX	Web
These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.
05/14/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	PA 19013	Web
the car dealership does not abide by the Truth In Lending Act " Determination of Finance Charge ''
08/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KY 401XX	Web
For 3 years drivetime left the truck in my name and I had to pay taxes on vehicle they repoed
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 317XX	Web
These inquiries are unauthorized and need to be removed from my credit report immediately.
07/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38127	Web
I HAVE SOME CREDIT INQUIRES ON MY REPORT THAT ARE ERRORS AND ARE NOT SUPPOSE TO BE THERE.
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30052	Web
There are several inquiries on my credict report that was not submitted by me!!
09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45373	Web
I literally have no knowledge of none of the negative things on my credit score
03/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OK 73003	Web
I have this company Drivetime calling me at XXXX and up to five times daily.
01/14/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web
On XX/XX/2021 I sent in letter to remove inaccurate credit information.
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80013	Web	Older American
The address are wrong, the information is incorrect, and the amounts
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33130	Web
I didnt do any credit inquiry with XXXX XXXX XXXX for any auto loan.
08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19130	Web
DT credit for a car is on my XXXX credit report. I never did this!
10/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 31907	Web
Somebody stole my identity and tried to open accounts in my name
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90805	Web
My credit has been pulled fraudulently. Please remove inquiry
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 320XX	Web
I didnt authorize these companies to run my credit
03/03/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TX 765XX	Web
One day past due and they will call every 2 hours.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36869	Web
Clear violation of law on my consumer report
02/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06606	Web
unlawfully add inquiry to my credit report
10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DE 19901	Web
I did not contact these companies
01/27/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	PA 19023	Web
I will attach a letter
01/24/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85207	Web

01/22/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14615	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33409	Web

01/04/2024	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 75751	Web

01/02/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 27104	Web

01/02/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OH 44833	Web

12/29/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	GA 30311	Web

12/19/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	VA 23222	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OR 97008	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48213	Phone

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web

11/21/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL XXXXX	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	IL 60620	Web

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89106	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MI 48219	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95815	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78717	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19138	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31407	Web

10/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	PA 19149	Web

09/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 27435	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34761	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23847	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60609	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92154	Web	Servicemember

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75050	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19150	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28311	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32254	Web

08/19/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web

08/17/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	OH 44060	Phone

08/15/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IL 60827	Phone

08/09/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 27603	Phone

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46218	Web

07/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92240	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60458	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76063	Web

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35816	Web

06/28/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WI 535XX	Web	Servicemember

06/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IL 61614	Phone

06/27/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 76834	Web

06/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30349	Web

06/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 36426	Web

06/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27834	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46218	Web

05/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33613	Web

05/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MI 48377	Web

05/25/2023	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	DC 20001	Web

05/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33972	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77396	Web

05/08/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90746	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73129	Web

04/28/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MO 63139	Phone

04/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	WI 53212	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS 67207	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89119	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93710	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39209	Web

03/24/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75062	Web

03/24/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MS 39402	Phone

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73122	Web

03/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31907	Web

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30236	Web

02/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31088	Web

02/19/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33972	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30338	Web

02/02/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 31088	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30294	Web

01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27529	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90011	Web

01/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	VA 23112	Web

01/15/2023	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77084	Web

01/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NV 89104	Web	Servicemember

12/19/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30058	Web

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23231	Web

12/02/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 79705	Web

12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32210	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21044	Web

11/03/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease High-pressure sales tactics	TX 79705	Web

10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30506	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28213	Web

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33177	Web	Servicemember

10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27529	Web

10/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08817	Web

09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61114	Web

09/16/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	VA 24073	Web	Servicemember

09/06/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46614	Web

08/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NJ 08330	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29203	Web	Servicemember

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web

07/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92128	Web

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80013	Web	Servicemember

07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27406	Web

07/11/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21217	Web

06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19090	Web

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70807	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91702	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30337	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90806	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93535	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90012	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32216	Web

05/15/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29118	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30022	Web

04/28/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	OH 45224	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11691	Web

04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94603	Web

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11691	Web

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07202	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85255	Web

03/21/2022	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 17104	Web

03/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	FL 33068	Web

03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76133	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11236	Web

03/04/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	FL 33068	Web

02/25/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76201	Web

02/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	OH 44111	Web

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30252	Web

01/09/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44104	Web	Servicemember

01/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90702	Web

01/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30337	Web

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30087	Web

12/16/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28025	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95660	Web

12/08/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 22406	Web	Servicemember

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70072	Web

11/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62205	Web

11/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08109	Web

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 38643	Web

11/10/2021	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19050	Web

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62234	Web

10/22/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91406	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62221	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62206	Web

10/18/2021	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30106	Web

10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35613	Web

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33160	Web

09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize		Phone

09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75070	Web

09/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78227	Web

08/24/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 30080	Web

08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33313	Web

07/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IA 52404	Web

06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32837	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30349	Web

06/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 19013	Web

05/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	PA 19013	Web

05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48236	Phone

05/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93630	Web

04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30809	Web	Servicemember

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23223	Web

04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48238	Web	Servicemember

04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20747	Web

04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31419	Web

03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	KY 42240	Web

03/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28217	Web

03/16/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	IL 61103	Web

01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60544	Web

01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29418	Web

01/21/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33054	Web

01/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34237	Web

01/06/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75231	Web

12/28/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 91761	Web

12/24/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 91403	Web

12/23/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 27527	Web

12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28384	Web

12/07/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 76570	Phone	Servicemember

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75503	Web

10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90602	Web

10/29/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 36426	Web

10/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30281	Web

10/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89147	Web

09/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30132	Web

09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32619	Web

09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90807	Web

08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30281	Web

08/19/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 91423	Web

07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11570	Web

07/30/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77494	Phone

07/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32789	Web	Older American

07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30180	Web

07/13/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 93720	Web	Older American

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web

06/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30324	Web

05/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30094	Web

03/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60614	Web

02/17/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TN 37013	Web

01/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89048	Web	Servicemember

01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 49024	Web

11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29574	Web

10/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48021	Web

10/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19014	Postal mail

08/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 15212	Postal mail

08/12/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30097	Phone

07/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92257	Web

07/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45322	Web

07/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35806	Web

07/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	NC 28216	Web

05/10/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 28214	Web

04/05/2019	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10280	Phone	Older American

02/04/2019	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	PA 19143	Web	Servicemember

01/16/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	PA 19143	Web	Servicemember

01/02/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 77065	Referral

12/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46322	Web

08/22/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 77066	Web

08/13/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 78660	Web

06/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92618	Web

06/04/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Personal information incorrect	VA 23063	Web

05/28/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NJ 08312	Web	Servicemember

12/18/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 34691	Web

12/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 299XX	Web

10/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32716	Web

10/13/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	PA 15235	Web

09/18/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 77026	Web

07/06/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged		Phone

07/05/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	KS 66061	Web	Servicemember

07/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	MS 39705	Web

05/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AL 35805	Web

05/17/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 62002	Web

05/11/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 92335	Web

05/09/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 45385	Web

03/08/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75215	Phone

03/07/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease		Referral

03/01/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	GA 30122	Postal mail

01/28/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32926	Web

01/12/2017	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 32750	Web

01/11/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27262	Web

01/10/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77065	Postal mail

12/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78727	Web

11/28/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 63121	Web

11/21/2016	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	NV 89106	Web

10/19/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	FL 32773	Phone	Older American

10/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33071	Referral

09/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85214	Web

09/14/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77088	Postal mail

08/02/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	OK 73132	Web

07/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KS 66758	Phone

07/15/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27707	Fax

07/09/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IN 47150	Web

06/28/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32927	Web

06/16/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30095	Web

06/13/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28215	Phone	Older American

04/22/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32792	Web	Servicemember

04/13/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33716	Web

04/01/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92583	Phone

03/31/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 35120	Web

02/18/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32204	Web

02/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53097	Web

02/03/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	FL 32791	Web

01/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23227	Web

01/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33024	Referral

12/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30047	Web

11/21/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 27358	Web

11/17/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32725	Web	Servicemember

11/12/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PA 15317	Web

10/26/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NC 28390	Web

10/15/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78218	Phone	Older American, Servicemember

09/22/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 32067	Web

09/22/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89135	Phone	Servicemember

09/17/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	CA 92115	Web

08/12/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	MO 641XX	Web

08/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 36582	Web

07/30/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 90062	Web

07/30/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76708	Referral

07/27/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	IL 60901	Web

07/22/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28348	Web

07/07/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	TN 37801	Web

07/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30364	Web

07/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22191	Phone

07/01/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 38116	Phone

07/01/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75251	Phone	Older American

06/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 36587	Web

06/29/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 33603	Phone

06/24/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32825	Web

06/15/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75023	Web

06/08/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 78261	Web

06/02/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30342	Web

06/02/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30034	Phone

05/27/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33603	Phone

05/20/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	NY 12202	Phone

05/14/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30047	Web

05/13/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32725	Web	Servicemember

05/11/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85015	Web

05/04/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 35611	Phone	Servicemember

04/29/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75093	Phone	Older American

04/18/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 31816	Web

04/16/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85143	Web

04/07/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 80237	Web

03/30/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IN 46221	Web

03/27/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 34677	Phone	Older American

03/23/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92109	Web

03/20/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AR 72223	Web

03/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28086	Web

03/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85712	Web

03/10/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	NC 28211	Phone

03/05/2015	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	WV 26452	Web

03/05/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28212	Web

02/27/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TN 38122	Web

02/21/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MS 39232	Web

02/21/2015	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	GA 30088	Web

02/19/2015	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	FL 33578	Web

02/18/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	NC 28227	Web

02/13/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 23462	Web

02/12/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 35802	Web

02/12/2015	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	FL 32218	Web	Older American

02/11/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30349	Web

02/10/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 32724	Web

02/10/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NM 87109	Web

02/09/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 63121	Web

02/05/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	VA 23227	Web

01/31/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77520	Web

01/26/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	FL 32210	Web

01/21/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28376	Web	Servicemember

01/15/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 33840	Web

01/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29651	Web

01/06/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30265	Web

01/02/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30043	Web

12/29/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77058	Web

12/29/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27587	Web

12/26/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 62040	Web	Older American, Servicemember

12/26/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28026	Web

12/22/2014	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	TN 37865	Web

12/18/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85028	Web	Servicemember

12/10/2014	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	FL 34655	Web	Servicemember

12/09/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28269	Web

11/23/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75165	Web

11/08/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	GA 31501	Web

10/22/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	FL 32809	Web

10/11/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	AZ 85201	Web

10/03/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TN 38053	Web

09/26/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 43205	Web

09/26/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28079	Referral

09/24/2014	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	NC 28104	Web

09/19/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	NC 27604	Phone

09/18/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30314	Web

08/29/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	NM 87121	Web

08/22/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33604	Web

08/21/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29732	Web

08/18/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	GA 30263	Web

08/08/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33558	Web

08/05/2014	No	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80204	Web

08/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MO 63104	Phone

07/23/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85225	Fax

07/18/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30083	Web

07/14/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 78745	Fax

07/02/2014	Yes	Debt collection Auto	Communication tactics Called after sent written cease of comm	SC 29575	Phone

06/30/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28209	Web

06/25/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	VA 23455	Web

06/20/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78124	Web

06/18/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TN 38135	Web

06/14/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 32223	Web

06/04/2014	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	AZ 85019	Web

05/20/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75203	Web

05/16/2014	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	FL 32824	Web

05/14/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28348	Web	Servicemember

04/22/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 33756	Web

04/16/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 38135	Web

04/14/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AZ 85023	Postal mail

03/28/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	VA 23141	Web

03/17/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 45103	Web

03/06/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30215	Web

03/05/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	TX 76541	Postal mail	Servicemember

02/18/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AR 72205	Web

02/05/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	AZ 85207	Web

01/11/2014	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	CO 80249	Web

12/18/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32839	Web

12/06/2013	Yes	Debt collection Auto	Communication tactics Called outside of 8am-9pm	TX 78602	Postal mail	Older American

12/04/2013	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TX 78550	Phone

11/07/2013	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CA 90712	Web

10/22/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80004	Web

10/01/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 27545	Web

10/01/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75189	Referral

09/24/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 80111	Web

09/05/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 37042	Web

08/09/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23701	Postal mail

06/19/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 76108	Web	Older American

06/17/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	ME 04101	Web

06/06/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32092	Web

06/05/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23061	Web

06/03/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30008	Web

04/21/2013	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 75218	Web

04/03/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29420	Web

04/01/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75265	Web

03/11/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23141	Web

02/20/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23061	Web

01/16/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NM 87193	Web	Servicemember

12/18/2012	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 77072	Web

12/14/2012	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27127	Web

12/06/2012	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28213	Web

11/04/2012	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TN 37772	Web

07/30/2012	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 76103	Web

06/08/2012	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	MD 20748	Web