Consumer complaint received 2017-05-23
Company: DriveTime
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation