Consumer complaint received 2023-10-12
Company: DriveTime
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
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.

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