Consumer complaint received 2023-03-30
Company: DriveTime
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
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.

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