Complaint Review: Drive Financial Services - Dallas Texas

My husband and I purchased a vehicle in June 2006 that is financed through Drive Financial Services. At the time that we purchased the vehicle, we were both working full-time jobs. I lost my job about 4 months after we purchased the vehicle but within a month was working again. There have been a few times where we were 3-4 weeks late making a payment, but we've always made payment arrangements and taken care of the payments. In January 2007, we had to put a stop payment on our account because Drive kept trying almost every day to pull a payment without authorization from our bank account. We contacted Drive and told them that we would be making the payments via a pre-paid credit card from that point forward since they were trying to take payments without our authroization. In August, we set up a payment arrangement for August and September's payments to be made out of our two pay checks in September. On Sept 7, when the first payment was to be made for $610.01, Drive took a payment of $650 instead of the $610.01. I immediately called Drive to find out why the $650 was pulled instead of the other payment. They denied that they pulled the $650 and wanted me to fax them the proof and they would credit back the difference of $39.99. I did not have access to a fax machine so I let the payment stay, however, on the same day that they pulled the $650.00 payment, they also tried to pull the $610.01 but was not successful. I explained to them that on my next payday they would receive the remainder of the payment that was due for September and they were fine with that arrangement.

I check our account with Drive on their website almost everyday because it is very frustrating with the constant phone calls saying our account is so many days behind, etc. Well, they have our payment history on there so I have copied that information into an excel spreadsheet and calculated the same items that they have, all payments, all charges, etc. and I'm showing we have a balance that is $3,000 less than what Drive shows. I have spoken to about 5 different reps at Drive trying to figure out why my figures are different from their's. The only thing they can say is "fax us what you have and we'll see," or "we can send you a copy of your payment history and it will show you why it's showing that." Well, the payment history that they would send me is the one I'm looking at online, so what good would that help? It wouldn't. I have spoken to every "supervisor" they have, spoken to several agents who repeatedly hang up on me because I demand to have answers, and I'm tired of it. Back to the payments I have made, the payment of $650 that was paid in September, that was for August payment. My payments are due on the 3rd of each month, so on October 5th, I checked my account online and when I logged in it said that my account was 31 days past due for September. On October 11 when I logged in, it said I was 69 days past due. I almost had a heart attack. How can you go from 31 days past due on the 5th and then 6 days later be 69 days past due?

I again call Drive demanding answers. I don't think you should have to have a PhD to figure out when the payments due on the 3rd and it's the 11th how many days past due that would be, but apparently you must. The rep I spoke to that time told me that because Drive had tried to take the two different payments (610.01 and 746.01) in September but those payments were reversed, so that was why I was 69 days past due. I told the agent that they were wrong because the only payment that was due was for September which was only 38 days past due as of that phone call and then October's which was due on the 3rd. Either way I calculated, there was no possible way I could be 69 days past due. They continued to tell me that due to the reversed payments that was why it was 69 days. Now when I click the "request pay off amount", it is showing about $3000 more than what my current balance is not to mention the balance is still $3000 more than what I'm showing and that's adding and subtracting all late fees, "automatic system charges", and all other fees that Drive is trying to stick to me.

I would love to file a class action law suit against them and would love to speak to others who are experiencing the same frustrations with them as we have. I'm not sure how to contact anyone else that's having these issues since we cannot leave our email address or phone numbers, but I would definitely love to put an end to Drive's unfair charges and calls.

Cattjamm

Wichita Falls, Texas

U.S.A.

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