Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Arivo Acceptance, LLC
State: FL

Complaint narrative:
I made an online purchase of a vehicle on XXXX/XXXX/204 from XXXX XXXX in Ohio, the vehicle was delivered almost a week later XXXX approximately XX/XX/year> due to inclement weather. The vehicle had a temporary issued by the state of Ohio valid for 45 days from date of purchase, meaning it expired on XX/XX/year>. At the beginning of XXXX, I call the dealership because when the vehicle was delivered, I was advised the purchase, warranty and tag paperwork would be received within XXXX to XXXX weeks after delivery of vehicle. It had been almost XXXX weeks and nothing, I reach out to dealership, I speak to someone at titles they advise some additional paperwork needed to complete the registration process. The dealership sends it over via email, I complete it, date it, sign it, scan it and send back via email. I'm informed they need the original signed copy, so I proceed to go to overnight it, it is received following day and been waiting ever since for registration paperwork and tag. 

My first payment to Arivo Acceptance, account # XXXX was due on XX/XX/year>, same day my temporary tag expired. This is where the problem begins, on XX/XX/year>, I start getting barraged by calls and text messages because I am now 1 day past due, and been barraged and texted to death every day thereafter. I explain I had to start using rideshare at a cost $ XXXX daily to get to and from work because I have no tag yet for the newly purchased vehicle. I also explain I can not possibly spend that much daily on rideshare and make a {$690.00} car payment for a vehicle I can't use because the dealer dragged its feet on the registration paperwork, so I needed extra time for the registration to go through so I can make payment and not have spend {$320.00} a week on rideshare since I could use my car instead. Every day they call me numerous times and send me emails and text messages demanding a payment because account is now 2 days, 3 days or 4 days past due, really excessive, aggressive collections for an account that was not even 5 days past due at this point. 

They call the dealership and they lie and do not assume accountability for their mess up, finance company calls me numerous time, text and email me to tell me what dealership said and Arivo Acceptance demands immediate payment and continue to collect aggressively and annoying manner even after I've explained the situation various times to XXXX team leads XXXX and XXXX. XXXX was very nice, empathetic and understanding to my situation. XXXX however has been totally the opposite, not even acknowledging the problem that is not my fault, just demanding a payment day after day after I have explained the issue repeatedly advising I just need some time to get the tag so I can drive car and not have to use rideshare. This team lead XXXX is so focused on collecting and has such disregard for my health or the circumstances that are not my fault why I can't pay, that even while my home state of Florida has declared a state of emergency due to Hurricane XXXX and I had a mandatory evacuation from my home for 3 days since I live in flood zone A, this guy XXXX is calling, emailing and texting me about making a payment right away the whole time I'm just trying to get back home safely. Not sure if there's a law about collecting when a state is in a state of emergency, but if there isn't there should be. People are stressed just staying out of harm 's way and surviving, you should not have people bothering you with collections for a few weeks while you handle dealing with the aftermath of a natural disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation