Consumer complaint received 2015-06-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (VA)

Re : Complaint for Drive time Car Payment Credit Bureau ReportingTHE PROBLEM : Today, I was informed that there is a problem with re-reporting my car payment to the credit bureaus from Drive Time Financial by their own customer service. Specifically, I spoke with XXXX in Customer Service, who is a supervisor. I was told that XXXX supervisors above her rank were in XXXX for a company event ( XXXX XXXX and XXXX ), but I could email their address with my complaint. So, I decided to write my letter once ( because it is extensive ) and address all parties involved ; including the FTC and Consumer Financial Protection Bureau. I was asked to contact them per the credit bureaus whom I spoke with directly at XXXX and XXXX ; whom I also asked to report this incident, while opening an investigation. 
( So, please forgive if there are any typos within the document below, as I am a XXXX student and single mom, who had to drop all that she was doing in order to send this letter because I was so upset by this matter ). 

What is not clear within this conversation is 'why ' I was denied a reporting of my payment, due to a bankruptcy ; even though I have had this payment for over a year with initial reporting. Also, the paperwork clearly stated from the original Drive Time location that this would NOT be included within the Bankruptcy. And, in fact it is impossible for it to have been included ; as my bankruptcy attorney knew nothing of this account. In fact, it was reported AFTER the bankruptcy to the credit reports for several months and then abruptly stopped. This was a post-bankruptcy car loan ; which makes no difference. 

In fact, I do n't even know how anyone except for the originators of the loan would even have any information about Bankruptcy ; as this was the only time I have ever needed to mention it. And, it would be expressly illegal to state that a company can re-review a customer 's credit file periodically without their permission. Therefore, I am deeply confused about how the customer service representative knew when I called today. In addition, she stated that Drive Time had just 'found out ' about the Bankruptcy two weeks ago. I am unsure of what that means, as this would be against Federal credit law, if it had n't been included in the original paperwork. In addition, I asked for this situation to be investigated over 2 months ago with their customer service, and constantly got the run around. I spoke also with another supervisor there today ( XXXX x XXXX ), who reluctantly finally told me the truth. This truth was that supposedly ALL bankruptcies ( even those from before customers acquired their Drive Time car payments ) would NOT be allowed to have their particular payments reported to the credit bureaus. 

DRIVETIME CUSTOMER SERVICE 'S HANDLING OF THIS ISSUEI am unsure of if the customer service agent was supposed to have told me this before she transferred me, but XXXX confirmed that it was Drive Time 's new policy after they had " updated '' their system in XXXX of 2014. This was when they had originally stopped reporting. This was also the first time that I had been told this after almost 3 months of calling. And even then, I was given at least XXXX different reasons for this happening. The first was that the new system would NOT allow for this to be reported and that NOONE there could figure out actually HOW to do it as of yet. It has been over 9 mos., so I doubt that. But, this is exactly why also ( supposedly ) that the only way I could get ANYTHING in writing regarding this new policy ( period ) was to have a " credit letter '' sent to me by the credit department, stating that I was making payments. However ; there was no 'definite ' time period for when they could EVER report for anyone who has had a bankruptcy, even before they had their car payments. 

This is an unbelievable credit discrimination case.