Product: Consumer Loan

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