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Report: #1120255

Complaint Review: Drive time - Arlington Texas

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  • Reported By: Drivetime harrassement even on sundays — burleson Texas
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  • Drive time Collins Arlington, Texas USA

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 Drive time Is ripping me off found out my car isnt worth what im paying for it!!! In fact im paying 5 times what its worth in decent codition. they are charging me outrageous intrest on the car saying its worth 16 grand when its only worth 3500 on kelly blue book value. they took advantage of my need for a car when my old one was crapping out on me. Yes i was late on a couple of payments due to banking issues when my husband passed away. My money was in the account and i could see it online i just had no way to access it at the time. Sometimes id get some1 who understood but they kept transfering my account to different ppl and id have to explain all over again instead of them keeping accurate records of the phone calls. they are calling me 3-4 times a day. Even on Sundays before 9 am my time. Both actual ppl and automated systems. And the rudeness of the messages left if i couldnt get to the phone or answer it due to me being at work is Outrageous. Things like " If you dont call me back today you wont like what is going to happen next." or " Call me back NOW if you dont want to be sorry." or " Call us NOW or things will go where you wont like it" and Honestly they sound almost like they are going to come beat the s* out of me. I have 2 girls and am a widow on Social Security and they know when i get paid and i tell them each time when i get my money. Its on a fixed time table. and i cant do anything about it. They even call on Sundays with the automatic system before 9 am. which in the state of Texas is illegal as we have whats called a Blue law. No Car dealership Business can run on Sundays if they are open on Saturdays. that also includes debt collection calls. Also with the repeated calls i get its against the Fair Debt Collections Practice Act. Yes i admit i had a problem paying on my bill a couple of times. but the company wont truely work with you on it. Instead they constantly make harassing Phone calls to scare you into paying.

This report was posted on Ripoff Report on 02/02/2014 10:49 AM and is a permanent record located here: https://www.ripoffreport.com/reports/drive-time/arlington-texas/drive-time-harassing-phone-calls-3-4-times-a-day-even-on-sundays-before-9-am-arlington-te-1120255. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
2Author
6Consumer
0Employee/Owner

#8 Consumer Comment

Blue Law

AUTHOR: Stacey - ()

POSTED: Sunday, February 02, 2014

 Yes here in Texas there is such a law.  Liquior cannot be sold on Sundays, all the car lots in my area are closed and all other retailers are open unless they close for religious reasons like Hobby Lobby.  BUT the Fair Credit Act only applies to THIRD PARTY DEBT COLLECTORS!!!!  Period - look it up.  I know Burleson well since I have family there and this car lot is not the only one in town. There is Mike Carlson's, Nissan, MCMC and the Chevy/GMC dealership off 35 before 171/174.

Since you have access to a computer and the internet maybe you should have researched this before you bought. I d**n sure did when I was looking for a new vehicle and I was without transportation (had to use a rent car after I wrecked my truck) so STOP playing the victim card because you BOUGHT the car without having a mechanic check it out first so that is on YOU.  SO what is stopping you from getting a job??? Your children get SS from their father and I know this for a fact.

Get real - since you can afford a computer and internet access I suggest you CUT off the access and use that money to pay your bills - There are many MANY Americans who have no job (including myself) with NO income coming in or out on the streets begging.  I am lucky to have family help but you should be grateful you have income coming in so GROW UP and be thankful for what you have.  And I can almost guarantee I know where you live in Burleson! Not that big a town!

Jees - and NO I do not work for them and when you post on a public site you are subjected to REBUTTALS! 

 

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#7 Consumer Comment

Pay Up or Buy a Bus Pass

AUTHOR: coast - ()

POSTED: Sunday, February 02, 2014

“Drive time Is ripping me off found out my car isnt worth what im paying for it… they are charging me outrageous intrest on the car saying its worth 16 grand when its only worth 3500 on kelly blue book value”

Kelley Blue Book is published by a private entity. Property value is a matter of opinion. Automobile dealers are not required to comply with values or pricing published by Kelley Blue Book. The vehicle is worth what the buyer is willing to pay for it. The interest rate may be outrageous and the price of the vehicle may be above market value; however, you agreed to the terms and therefore you were not ripped off.

“but the company wont truely work with you on it”

They are not required to alter the terms of the agreement.

“the harrasement needs to end they are violating the FDCA by making as many phone calls as they are”

The auto dealer is not a debt collector and therefore is not required to follow FDCA regulations. As correctly noted by a previous commenter, they are not in violation of the FDCA because their principal business is not the collection of debts.

It is not the fault of the lender if the borrower is unable to meet their financial obligations.

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#6 Consumer Comment

Here's what I found in a Google search of texas Blue Laws..

AUTHOR: Ken - ()

POSTED: Sunday, February 02, 2014

"A repeal of the last Texas blue law, passed in 1961, was signed in May by Gov. Mark White. The law prohibited the sale of 42 categories of items on consecutive weekend days, effectively forcing many stores to close on Sundays because it meant that department stores, for example, were unable to open many sections." 

Incidentally this information appears in several sites with the same information.  What, again, was that reason they can't call you on Sunday?  Can't wait to hear your "words of wisdom" (trash talk) on this little tidbit.

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#5 Consumer Comment

You are likely the worst POTTY MOUTH to be on Ripoff Report in a long time...

AUTHOR: Ken - ()

POSTED: Sunday, February 02, 2014

You complain about the amount they're charging you for the car and still YOU signed the loan papers agreeing to this...correct?  Don't throw in the usual bull about you were desperate and really have credit in the 800's. It's untrue and you and your trash mouth know it.  No, those of us who respond on Ripoff Report don't work for ANY of the dozens of companies we're accused of working for.  The basic rule here is, if you don't wan't a rebuttal that disagrees with YOUR opinion, then DON'T post here at all.  That's the way this site works, garbage mouth. The calls you are getting are not a violation as they are the original lender just trying to hold you to the agreement, which you have decided NOT to honor.  That's Federal law.

I'll research the Texas "Blue laws" to see if you've also embellished the scope of them, too.  Sounds like none of the rebuttals on here find you reasonable OR credible.

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#4 Author of original report

ITS CALL THE BLUE LAW A**WIPE

AUTHOR: Drivetime harrassement even on sundays - ()

POSTED: Sunday, February 02, 2014

IN TEXAS ITS CALLED THE BLUE LAW ITS IN SEVERAL OTHER STATES HERE IN THE BIBLE BELT AREA. NO CAR DEALERSHIP BUSINESS CAN OPERATE ON SUNDAY IF THEY CHOOSE TO OPEN ON SATURDAY!!!

How about you read that before you comment on my report asswipe are u paid by Drive time to rebuff ppls comments? How does getting the loan before or after my husbands death put me as a bad debt risk?   it doesnt. so your an a*s in that account. You have no knowledge of my or my need for the car. so STFU. 

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#3 Author of original report

They were the only Place open

AUTHOR: Drivetime harrassement even on sundays - ()

POSTED: Sunday, February 02, 2014

Actually no they were the only closest place open and I only have an outstanding student loan as my only debt which wasnt a problem i found out later as its almost paid off. it was the fact i didnt have a regular checking account at the time with a regular bank. My car was on its last legs as it had been bandaid together too many times. You honestly dont know me or  my credit history so you cant say i have too many credit problems or that im a bad risk. I found out after the fact that another company would have given me a loan with a much smaller payment. but id already signed with drivetime. Also the car isnt worth near as much as they are charging me for it. they Are lying to consumers on how much these cars are worth and wether they in good condition. so who ever you are dont assume that is the only reason i went to them. I needed the car as mine was one foot into the grave and the other on a banana peel. on the edge of the grave. I was also a recent widow and needed a car to get to and from work immediately i couldnt take the time for a long drawn out haggle and hassle and they took advantage of it. 

the harrasement needs to end they are violating the FDCA by making as many phone calls as they are and with the comments and messages they leave. So whoever you are STFU YOU DONT KNOW ME OR MY SITUATION. IF YOU DONT KNOW THEN DONT LEAVE A MESSAGE AT ALL.

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#2 Consumer Comment

You got the loan through a sub-prime (deadbeat) lender for a reason...

AUTHOR: Ken - ()

POSTED: Sunday, February 02, 2014

You had demonstrated a history of poor credit and you continue down that same road.  The DEADBEAT lenders don't care to hear ANY reasons/excuses as to why another payment is late.  They have heard all of them so many times, they don't believe/care about ANY of them.

Most deadbeats, when the lender applys pressure for them to live up to the agreement they signed complain that "They won't work with me." 

I would never, ever borrow from a deadbeat lender as their collection policies are rather severe, but experience has taught them it's the best way to go.

How, exactly, are they ripping you off.  Did they change the contract YOU signed with them?

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#1 Consumer Comment

Amazing

AUTHOR: Robert - ()

POSTED: Sunday, February 02, 2014

 It always amazes me as to the more of a "deabeat" someone is the more versed they seem to think they are in the laws that give them an excuse as to why they don't have to meet their legal obligations and why it is everyone else's fault.

Yes i was late on a couple of payments due to banking issues when my husband passed away. My money was in the account and i could see it online i just had no way to access it at the time.

- If this was truly the case then it when you get your money doesn't matter.  Because it was already available.  When you were then able to access it there is no reason you could not become instantly current.  I am really interested on exactly how you wanted them to "work with you"

Here is another fact, while I am sorry about your husbands death.  If you got the loan before he died, it means you had already trashed your credit.  They could sell you a car for 1/2 of what is worth or 100 times what it is worth.  In the end it is up to you whether you want to pay it.  You could have walked away and gone somewhere else.  If there wasn't anyone else..perhaps you should think about that. 

But if you got the car after your husbands death, then sorry but you knew of what issues you would have and exactly your situation going into it.

No Car dealership Business can run on Sundays if they are open on Saturdays. that also includes debt collection calls

- And can you provide the specific law that states this?

Also with the repeated calls i get its against the Fair Debt Collections Practice Act.

- So?  The FDCPA is ONLY for 3rd Party Collection agencies.  They are considered the original creditor and the FDCPA does NOT apply to them. 

Instead they constantly make harassing Phone calls to scare you into paying.

- I just have one thing to say about that...Duh!!!  That is why they do it because sub-prime borrowers like you have a history of not paying as they originally agreed to or if the company asks nicely.

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