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.