Complaints

• Initial Complaint

  04/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  I am compelled to write this review after experiencing significant unresolved issues with Drivrz Financial. It has been ******************************************************************************************************** my contract. From the inception of this lease, the process has been fraught with difficulties.Despite repeated attempts to resolve these matters, including discussions with a representative named *****, my concerns have been met with a series of broken promises. Communication has effectively ceased, leaving me without recourse through the company's channels. Furthermore, I have observed consistent overcharges on my statements, compounding the financial burden imposed by their disregard for contractual obligations.This company's failure to honor the terms of our agreement not only affects me but potentially numerous other clients. Their lack of accountability and professionalism has compelled me to seek legal advice to address these breaches.For anyone considering Drivrz Financial, I advise caution based on my ongoing negative experience. The company's apparent disregard for customer service and contractual obligations is a serious concern that deserves attention.

• Initial Complaint

  03/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  -Vehicle was never registered because World Auto dealer made me look like I was a ******* Resident however I was a ******** Resident and they falsified it.-Vehicle was driven less than ***** miles and has ****** miles roughly on it.-Due to fraud and non registration I am requesting all payments of vehicle back and down payment of $10,000 that was issued to World Auto.-Total of $40,000-$60,000 in payments were made including downpayment.

• Initial Complaint

  08/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The picture shows this company charging my credit with a charge off for a car that has been ruled a total loss and saying Im still responsible for a car.

  Business response

  08/24/2023

  Drivrz Financial, LLC (Drivrz) provides all customers with the best possible servicing experience.  To that end, we take any complaints or inquiries from customers seriously and we thoroughly investigate any complaints to determine if any servicing or reporting errors have occurred in the servicing of an account.

  We have thoroughly investigated ************************** account and we have determined that all information that has been reported to credit reporting agencies is accurate and has been properly reported. 

  In short, ********************** is being charged for a deficiency balance because she failed to fulfill the terms of the lease contract. At some point prior to the end of her vehicle's lease contract, an event occurred with resulted in her vehicle becoming a total loss to be paid by the insurance company. The fact that the vehicle became an insurance loss prior to the end of the lease term does not relieve the lessee of the obligation to continue lease payments until the insurance company completely pays off the vehicle. If the lessee fails to complete the terms of the lease, it is considered an early termination. Early termination of a lease incurs penalties, including potentially a deficiency due to an insufficient insurance payoff. 

  We have attached a copy of ************************** lease contract to this response for reference. Section ***************************************************************************** short, Section *************************************************************************************** the event of an insurance loss, bearing responsibility for any deficiency balance once insurance proceeds are posted. Our servicer, defi Solutions, had multiple communications with ********************** regarding this issue and she was advised multiple times that she must maintain the account as current until insurance proceeds are received.  This was required because despite the condition of the vehicle, the line of credit remained open because the customer agreed to pay ******************** a minimum of $57,040.20 under the Lease. This amount is comprised of 60 payments of $950.67 on the 27th of each month. Because ********************** failed to continue payments on her lease account and became 277 days delinquent, the account went into default and, per industry custom, the account was charged-off. The charge-off and the deficiency balance are customarily reported to credit reporting agencies.

  In summation, Drivrz thoroughly investigated the facts and circumstances giving rise to this complaint and we have determined that the deficiency balance and charge-off were proper and properly reported.

• Initial Complaint

  08/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a natural person and a consumer who resides in ***** **********. The corporation, Drivrz Financial has violated multiple federal consumer laws pursuant to Fair Credit Reporting Act 15 USC ****, 15 USC **** Section 602(a) right to privacy, 15 USC **** 604 (a)(2) furnishing an account without my written instructions, 15 USC ****a(2)(b) EXCLUSIONS, 15 USC **** (b) OPT-OUT, 15 USC **** disclosures, Gramm ***** ****** Act, Defamation of Character, along with contributing to my financial injury and unjust enrichment arising from impermissibly furnished consumer reporting. I put this company on notice numerous times about these consumer rights violations and I intend to pursue litigation along with making a complaint to my ************************* in order to obtain what is fair and equitable to me as a consumer. Please find attached documentation that further support my claims. I thank you for your time, efforts and consideration regarding this serious matter.Sincerely yours,*********************

  Business response

  08/14/2023

  Drivrz Financial, LLC ("Drivrz") strives to provide the best customer service experience possible for all of its customers. This includes providing all disclosures and information to customers as required by law. Drivrz acknowledges receipt of this BBB complaint initiated by ************** and states that it has complied with all applicable state and federal laws and regulations regarding consumer disclosures, privacy, and reports to credit reporting agencies.  Drivrz has thoroughly reviewed ****************** BBB complaint, but the complaint is vague and does not allege any specific violations of applicable state and/or federal law. The complaint lists several federal laws which ************** implies Drivrz has violated, but he does not provide any specific details as to how or when these implied violations occurred. 

  Attached to this response are documents that were provided to ************** at the time the lease contract was originated or once the lease contract was in default, including a copy of the credit application which ************** initially submitted to Drivrz Financial. The credit application specifically informed ************** that by completing the credit application he gave Drivrz permission to gather credit and other information about him.  Furthermore, the credit application gives Drivrz permission to gather updated credit information concerning ***************  

  As for any alleged violation of the Fair Credit Reporting Act (FCRA), Drivrz through its sub-servicer, defi Servicing, reported information accurately about ****************** account to credit bureaus as permitted by FCRA. If ************** alleges that any report to credit bureaus initiated by Drivrz or defi Servicing, he may initiate a proper dispute as permitted by state and federal law.  Both Drivrz and defi Servicing have policies and procedures ensuring that any disputes initiated by consumers are promptly and thoroughly investigated. If ************** provides Drivrz with specific information about what he believes Drivrz erroneously reported to credit bureaus, we will initiate an investigation. In addition, we are happy to provide ************** with copies of important documents such as the notice of sale provided to him on or about May 23, 2023 informing him that his leased vehicle was repossessed due to his default and that it would be sold if he failed to timely cure the default, and the numerous Right to Cure letters sent to him between December 2022 and April 2023.

  Drivrz remains committed to providing outstanding customer service and to complying with all applicable laws and regulations.  We invite ************** to contact us directly with any questions or to initiate a dispute regarding any information that Drivrz has reported to credit bureaus.  

   

   

   

  Customer response

  08/14/2023

  I am rejecting this response because:   I've given Drivrz Financial enough time to cure their wrong as they continue to disrespect and violate Federal law (Fair Credit Reporting Act, FDCPA, Truth in Lending and Gramm ***** ****** Act). As a consumer I have rights and I'm exercising the rights given to me by Congress.  Drivrz Financial are violating my consumer rights, my right to privacy, defamation of character, which is contributing to financial injury and unjust enrichment arising from their acts.  Please find attached documentation given to Drivrz Financial over the past months, as I'm still receiving pushback and non-compliance by this corporation.  At this point, I'm ready to seek remedy from civil court.  Please advise.

  Respectfully,

  *********************

  Business response

  08/15/2023

  As stated in Drivrz' original response to this complaint, ****************** complaint lacks specific details sufficient to identify any alleged violation of any federal or state law. If he will provide us with specific details of how and when he believes Drivrz has violated any federal or state law in the servicing of his account, ******************** will initiate an investigation.  Without more specific information, we are unable to take further action on this complaint. 

  Customer response

  08/15/2023

  I am rejecting this response because:   

  The burden of proof is on Drivrz Financial.  I repeatedly sent documentation of my claim of this corporation violating my consumer rights. Please find attached my credit file with the item that Drivrz Financial furnished to Experian, TransUnion and Equifax.  You will see the inaccuracies and misinformation.  By law, pursuant to15 USC ****a; rules of construction; 15 USC ****s-2 Responsibilities of furnishers of information to consumer reporting agencies (a) Duty of furnishers of Information to provide accurate information; (1) Prohibition (A) Reporting information with actual knowledge of errors
  15 USC ****a 2(A)(i) EXCLUSIONS- Except as provided in paragraph (3), the term consumer report does not include (A) subject to section ****s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. "Late payments" and "credit utilization" are TRANSACTIONS AND EXPERIENCES defined by Congress.  Moreover, pursuant to 15 USC **** (a) Privacy Obligation Policy, it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers  nonpublic personal information; (3) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.  Your violations are harming my livelihood, damaging my character, and preventing me from achieving my financial goals.

  15 U.S. Code **** Obligations with respect to disclosures of personal information.  DRIVRZ FINANCIAL has illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.  Pursuant 15 USC ************************************************************************************************************************* and none of these documents contained any of the required disclosures pursuant 15 USC ****(b).
  (b) OPT OUT
  (1) In GENERAL, A financial institution may not disclose nonpublic information to a nonaffiliated third party unless-
  (A)
  Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section **** of this title, that such information may be disclosed to such third party;
  (B)
  The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and
  (C)
  The consumer is explained how the consumer can exercise that nondisclosure option.  I am herby requesting all above disclosures required by Federal law.  In accordance with the Fair Credit Reporting Act, all these ************************** including you have violated my consumer rights and I expect you to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft from my consumer report unless you want to be held $1,000 per violation, Defamation of Character (per se), Negligent Enablement of Identity Fraud, FDCPA 15 USC ****g violations, FCRA 15 USC **** violations for willful noncompliance - 616. Civil liability for willful noncompliance [15 USC ****n] AND Gramm ***** ****** Act.  I have documented all of my correspondence with Drivrz Financial and at this point I'm ready to obtain remedy from the court.

  Sincerely,

  *********************

• Initial Complaint

  06/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is the second BBB complaint; I made several complaints directly over the past two years with correcting the payment amount, name change after speaking with manager(s) directly; fedexd legal documents, new ID card, copy of SSN card, emailed and faxed docs. And, the results are none of the information was received. The very reason I chose to get away from this company MUSA/Drivrz, The vehicle was PAID IN FULL in March 2023; 36K. This company refuses to report the correct information for the payoff. Instead it totally deleted the account from the report, like before in correcting the monthly payment, which was incorrect. Ive called the company 3 times on this issue; to reflect the correct balance of the est. $52K + instead of a diff amount of $10K. I called the credit bureaus, it shows there is no record of the company; business started in Oct 2020, now its as if the account never existed. PLEASE REPORT THE CORRECT INFORMATION. BOTH NAMES (***************************) REFLECT ON ALL CREDIT REPORTS.

  Business response

  06/02/2023

  Drivrz Financial and its sub-servicer, defi Servicing, strive to provide their customers with the best customer service experience.  To that end, Drivrz and defi endeavor to provide accurate, prompt responses to customers who contact us with questions or concerns regarding their account.
  
  After thoroughly reviewing ******************************* account, we found the following:   Ms. ***** contacted defi on May 18, 2023 and stated that the net capital cost of her leased vehicle was erroneously reported on her *********** credit report. After investigating her claim, Drivrz determined that the capital cost amount stated to be accurate by Ms. *****,$51,033.90, was the correct amount and defi took appropriate steps to correct her account and *********** credit report. An internal request was generated to correct the capital cost amount, to verify the accuracy of all other account information, and to update **************** *********** credit report.  Subsequently, on June 1, 2023, Ms. ***** contacted defi and stated that her account had been removed completely from her credit report and requested that the account be restored and accurately reported.  We informed her that neither Drivrz nor defi requested any credit reporting agency to remove her account, but rather requested that the credit reporting agencies update her account as she requested. Ms. ***** was also informed that it may take up to 30 days or more for *********** and other credit reporting agencies to update her credit report and in the meantime, she should monitor her credit reports for the updated information regarding her account to appear.  
  
  Drivrz and defi immediately addressed **************** concerns regarding the information reported to credit reporting agencies regarding her account. Accurate information regarding her account was submitted by defi to *********** on April 26, 2023 and should reflect on her credit report soon. As of the time of this response, there is nothing more that Drivrz or defi can do regarding this matter other than await the credit reporting agencies to update **************** information.
  

  Customer response

  06/05/2023

  I am rejecting this response because:   I completed another call today, 6/7, this has been requested since March 2023 after the payoff of $36k was sent.  And, it was discovered my phone number is blocked, so ************** is to provide incorrect numbers and say, NO to the questions to connect with customer service.  Or you will receive a message, error, try your call again.  Yes, this will be reported as well.  TransUnion has been contacted since 4/26/23 and I was informed, no information received and its shows the account never existed.  The account was removed in March 2023. I have initiated further steps to consumer finance, FTC.  I placed several escalation requests with this company; no manager, supervisor, credit department would speak with you or return your call.  The requests are notated as closed.  Being patient is out of the question, the bad business practices need to improve with reporting; it has been difficult since MUSA on the same issues.  I am requesting a payoff letter for the account,  in which, it  has not been received, since March 2023.  If so, what date was it mailed? Request to reflect the payoff date.  

  Business response

  07/27/2023

  Drivrz Financial has thoroughly reviewed the account of ***************************, in whose name the subject vehicle was leased, and researched each of the allegations made in this Complaint and we have determined that her account is currently being reported correctly to credit reporting agencies. 

  While this Complaint alleges that the account in question has been paid in full and should be reported as paid in full, that is incorrect. We determined that a balance of $307.09 remains unpaid on this account.   The remaining balance arises from unpaid North ***** ***************** (NTTA) tolls charged to Ms. ******* leased vehicle in the amount of $307.09 that occurred before the lease was purportedly paid off and in possession of the lessee.   This remaining NTTA balance was sent by NTTA to a collection agency, ******************************* LLC and billed to Drivrz.  The unpaid toll balance was paid by Drivrz on behalf of Ms. ***** and billed to her account auto lease account.  Thus, the remaining balance of $307.09.

  As a result of the current unpaid balance, we cannot report to credit reporting agencies that this account is paid in full, nor can we delete the credit tradeline.

  We hope this response satisfactorily answers any questions **************** may have regarding her account. 

  Customer response

  07/27/2023

  I am rejecting this response because:   IT HAS BEEN ABSOLUTELY NO WAY TO PLACE A TOLL TAG IN MY NAME; **** WILL NOT DISCUSS OR CREATE AN ACOUNT IN MY NAME.  THIS HAS BEEN AN ON GOING ISSUE SINCE THE START OF THE ****** IN WHICH THE **** LEASE COMPANY INFORMED THEY WOULD TAKE CARE OF IT.  IT WAS THERE OVERSIGHT AND PROVIDING INCORRECT INFORMATION.  SEVERAL CALLS TO DRIVRZ, MUSA HAVE BEEN MADE REGARDING THE UNPAID TOLLS.  THE INFINITY WAS REPORTED ON TRANSUNION CREDIT FROM OCT 2O20 Until MARCH 2023; REFUSED TO SEND A TOLL BILL OR COLLECT OVER THE PAST 3 YEARS.  MISLEADING FOR YEARS THAT I CAN MY TOLL ACCOUNT TRANSFERRED FROM THE **** TO THE INFINITY.  ALL REQUEST WERE IGNORED AND NOT ADDRESSED, NO RETURN PHONE CALLS.  IT WAS IMPOSSIBLE TO GET AN **** ACCOUNT AND THERE WAS NO ACTION IN RESOLVING THE ISSUE.  I CALLED LAST WEEK AND MENTIONED THE OUTSTANDING TOLLS; SUBMITTED SEVERAL ESCALATIONS, NO RESPONSE;  AS PREVIOUSLY STATED THE VEHICLE WAS PAID IN FULL.  A TOLL BILL WAS NEVER FORWARD OR ANY ACTION TAKEN FOR PAYMENT DURING THE CALLS.  IF TEXT MESSAGES AND EMAILS ARE NEEDED REGARDING THE **** ACCOUNT FROM THE ******.  I WILL PROVIDE. NO ONE IN EITHER ORGANIZATION ASSISTED IN GETTING MY **** ACCOUNT CHANGED OVER WHILE ON MILITARY DUTY.  PER ****, THE ****** COULD FIX THE ISSUE. 

  Customer response

  07/27/2023

  Contact Autoflex, ***** or *************************, ************, this lease transferred from musa, still no resolution.  
  

  It was corrected of with NTTA.  Check all of the call logs regarding this issue. ******* did not and refused to assist as well.  Untruthful, lack business integrity.  Im still waiting on the toll bill, was it sent? If so, when?  

  Customer response

  08/03/2023

  It was verified with Autofle and ******************* the vehicle-Infinity did not allow the leasee to register the vehicle for toll tags.  The change was not allowed. No direct billing was received from MUSA/Drivrz/Defy from any of the inquiries by phone.  Received a itemized list of payments; does not reflect the $307 toll amount.  No plaid in full letter received. To date, a second date provided that the information will be restored with TransUnion. The toll bill sent directly to your company due to the denial of / or creating a toll account in the leasees name.  Several attempts were made to change the toll acvount( check the call in history.  Again, no one from this company returned a call about it.  The credit history began on Oct 2020- Why is there no return call from management?  There has been too many escalation requests submitted over 3 years. No response.  The company will receive the toll bill. Its in your companys name (now). I was told misinformation in the transaction of this vehicle.  Did this company send a bill to the leasee?  Did this company provide the toll bill amount during the payoff quote?  If not, why?  Were there any calls made to the leasee to collect payment over 3 years? Why was the vehicle not able to carry a toll tag account in the leasees name? Why was were there no contact made to Autoflex to resolve the issue with the tag?  Lastly, you are falsely making statements of an unpaid toll bill, which is not intentional by the leasee.  Your company will receive it( its in the companys. Please provide the call dates to your company about this and why no response.

  Customer response

  08/04/2023

  Letter received, it does not address the inquiry left regarding the toll bill, no return phone call. No information about the call history to allow the toll account?  Per the communication, it does not meet the contract criteria.  The vehicle was reported to TransUnion to reflect a 3 year period, not the tolls.  How is this justified after receiving a payoff and not the tolls?  Was a toll bill mailed during Oct 2020 and March 2023?  What name is used on the toll account with NTTA (MUSA, Defy, Unify???) and , LASTLY, why was the ******* not allowed to create a toll account?  Your company based a decision not to restore almost 3 years of credit history due to $307.00 toll amount not sent the leasee. Were there collection efforts by phone or mail?  Please provide call history to Drivrz regarding this issue.  It was determined in prior correspondence, acknowledging the huge mistake with the vehicle balance.  Mailed another letter to leasee showing 30k and another line item shows 32k. Please provide the call history. 

  Customer response

  08/06/2023

  Additional request for response after discussing with ************* - Why were the ***** plates for this vehicle not allowed to take advantage of the Veteran Discount program, which were qualified ***** plates.*****************************************************************.  Your compan(irs) blocked this in every way and it was misleading in 2020 to provide information that the vehicle can be changed to or have a new account created.  What is your policy for veterans?  Again, please address the call history and requests sent regarding the toll tag (and there were many other issues). 

  Customer response

  09/20/2023

  From: ** 2023 <********************>
  Sent: Tuesday, September 19, 2023 6:20 PM
  To: Info <************************************>
  Subject: No response - ******** 
  
  complaint #********, 
  Re:  $307 tolls
  
  This company has not responded about the toll veteran program;  for the entire lease they prevented the vehicle to be registered by the leasee.  NTTA has this company listed as the owner, only.  
  The account of $50K+ was removed from credit report and they acknowledged their wrongdoing and will restore to the reimport. They also sent an itemized listing of receiving the 32K, in which only 30K applied and 2K has no valid item description.  The images and contacts were added to the complaint regarding the toll. This company continues with bad business practices.  
  What are the next steps with no response?  

• Initial Complaint

  03/11/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I paid my car off in full in September '22 (2019 ******** GLE account ending in **** via a trade. Two weeks after payoff, Drivrz continued to deduct auto pay from my bank two (2) additional times. I had to delete them from my bank to stop the withdrawals When I called customers they agreed that they had made incorrect deductions in the amount of$3,486.35. I was told to wait ***** days for a refund. I've made at least 18 calls and always told "the check is sitting with cash management and will be sent out. Some of the dates called are : 11/22/22 spoke with ****** , 1/2 and 1/6 was told a manager would call me back and check request was with cash department. 1/9 called twice. No manager 1/23 spoke with ***** who said he sees the account was over paid and see the request sitting with cash management department. 2/17 spoke with ******** said they'd make another check request. Current one shows no activity Said supervisor will call me back. This is straight theft. I've reached out to an attorney to serve a formal letter in which I'm allowed to request interest rate on the 7 months of $3485.95. To this day. All calls agree to over payment -and not one single call from anyone at Drivrz to me to resolve this theft.

  Business response

  03/27/2023

  Drivrz Financial, LLC strives to provide the best customer service possible and takes all inquiries and complaints seriously. We have thoroughly reviewed ****************' account and determined that **************** is entitled to a refund.  The excess payments for which he is entitled to a refund were made a result of the delay in the dealer to whom he traded-in his vehicle paying off the lease.  After reviewing his account, ******************** issued a refund check in the amount of $3,486.35.  **************** should receive the check via *** delivery on or about March 28, 2023. 

• Initial Complaint

  03/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a customer for about a year now. Recently, I was having some financial issues making payments on my auto lease loan, and I was connected to a woman named *****, who was helping me with my situation. She mentioned that she was here to help me and not go against me. Well, it turns out that this whole situation did a whole turn around, because I come to find out that on my credit report all of a sudden six months of late payments were added to my credit report. Makes no sense because she mentioned this was from August last year. Why wasn't this brought up to me before? I was already going through a financial issue and now this made it worse. When I spoke to ***** about my financial situation in an email, I specifically mentioned that if we could come to an agreement where I could pay the amount owed to make my account current and to have these late payments removed from my credit profile, and she agreed to do so. And she said that yes, this will help your credit profile go back to current and we can have those late payments removed, if I was to get caught up with my payments. When the time came for them to be able to fix my credit report and contact the bureau, I noticed that it only said current, but that all six late payments were still showing up. I contacted her and asked her if maybe they forgot to mention to remove the late payments, or if it took a few more days to clear up. She then comes back to me mentioning that I owed some late fees, and not sure why this wasn't mentioned to me before. She now said that if I pay these fees that she can waive one or two late payments from my credit report. This was not the agreement that we had. I have proof in our emails mentioning that these late payments were to be removed. I am disappointed that this did not happen, and I need this to be taken care of and removed because we came to an agreement and that agreement should have been settled.

  Business response

  03/06/2023

  We have reviewed ************' complaint filed with the Better Business Bureau and we respond as follows:
  
  ************' account with ********************************************* became delinquent with the payment due on May 4, 2022. The delinquency on his account has continued to thru to the present. Arrangements were made with ************ to bring his account current, and he continued making payments, but his account has continued to be delinquent. In fact, ************' payments have been late every month since his May 4, 2022 payment was due. Drivrz' **************** Representatives have continued to work with ************ to bring his account current. After careful review of the notes and written communications with ************, it is clear that at no time did any Drivrz representative agree to remove any derogatory credit reporting associated with ************' consistently late payments. The information that has been reported to credit reporting agencies by Drivrz regarding ************' account is accurate and was reported to the credit reporting agencies consistent with Drivrz' company policies, the Fair Credit Reporting Act, and the Fair and Accurate Credit Transaction Act.
  
  As a gesture of goodwill, Drivrz waived 2 months of late fees totaling $111.44, however the fact that those payments along with several others were received late was accurately reported to the credit reporting agencies. Therefore, Drivrz cannot simply remove the derogatory credit items reported because of ************' perpetual late payments
  

  Customer response

  03/06/2023

  ***Document Attached***
  These are screenshots of our conversation. She never did anything she said she would do to help correct my credit report upon agreeing payment for deletion.
  See Attachment/File: 73633226-3CC5-4391-8018-A065D2AC0C80

  Customer response

  03/07/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  I do not accept their response because they treated me unfairly and crucial for the simple fact that this time they were ****** off just because I didn't make this last oayment on time when clearly we had been speaking through email. Why would you all of a sudden post late payments six times since august now? Makes no sense. We are in March. If they had an issue with that before why didn't they say something about that then? They clearly stated they were helping me get caught up. These are hard times we live in and clearly I made all payments because only these last two payments that I paid and sacrificed brought me current. You can also note that in the emails the representative did mention this would fix my credit report. They never waived any payments as well and why only Two? None of what they said they would do, they did. They just made things worse by lying to a customer. I will be speaking with my lawyer about this situation.
  See Attachment/File: Screenshot 2023-03-02 at 8.26.45 AM.png

• Initial Complaint

  12/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was leasing a car and I lost my job for the first 8 months of the year, my car got repossessed in April I used my tax money to get it back, then got hired at the hospital late July and I started back making payments to catch up with what I owed, on August 12th I paid $646.35, $900.00 on October 19th, $392.70 November 2nd, and $253.65 December 2nd, as per rep I asked the rep if I needed to pay more money so the repossession can stay on hold he said no I didn't need to but I can if I want to, I asked again if I'm in the repossession stage and he said no I am not as long as I keep making the payments as we agreed on the repossession will be on hold as per our agreement, on the 5th of December 3 days later my car was repossessed, I just don't understand what went wrong I thought we had a verbal agreement I was assured by the rep that I was ok and the account was in ok standing I only had November and December to pay, I am hurt by this because I feel lied to and also I have to travel to different doctor offices to to work and the reason I got the job was because I was able to drive to different locations, I was about to get a promotion but now my job, my housing situation and kids livelihood is at stake, please help me if you can I feel like I was done an injustice

  Business response

  03/14/2023

  Business Response /* (1000, 5, 2022/12/15) */ Ms. *****'s (Customer) vehicle was repossessed on or about 12/5/22 due to her account being almost three months delinquent. On 11/2/22, Ms. ***** made a partial payment in the amount of $253.65 (the regular monthly payment was $646.35) on her account, which failed to cure her account delinquency, which as of 11/2/22 was 61 days past due. At the time Ms. ***** made a partial payment, she was in partially in arrears on her September payment, her October 2 payment ($646.35) and her November 2 ($646.35) payment was due. On 11/16/22, Ms. ***** was contacted by Drivrz Financial regarding the delinquency on her account and stated that she was unable to make a payment at that time, but that she would make a payment on 11/18/22. Therefore, a 7-day repossession hold was placed on her account; thus, she was temporarily not at risk of repossession pending her 11/18/22 payment as promised. Ms. ***** failed to make the 11/18/22 payment as promised. Subsequently, on 12/2/22, Drivrz Financial attempted to contact Ms. ***** regarding the delinquency on her account but was unable to discuss the matter with her due to it being an inconvenient time. Ms. ***** later made a payment online in the amount of $253.65, however despite that payment, her account was still over three months past due- October 2($392.70), November 2 ($646.50), and December 2 ($646.50). Therefore, due to her account being three months in arrears, having failed to keep a payment arrangement as promised, and only making partial payments, the repossession hold was removed and repossession of her vehicle was requested. Unfortunately, there are no remedies that can be offered to Ms. ***** because this was her second repossession. Under some circumstances, leases may be reinstated after a first repossession, but this option is not available after subsequent repossessions.

• Initial Complaint

  12/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On about 10/2021 I went into a car dealership to purchase a car and stems my consumer credit to them they were advertising what they can do online and t.v commercial social media platforms as well they to me I can get finance with my Credit they run my credit with more then like ten banks who denied me but one didn't come to find out they got the loan through a leasing company name drivrz financial the dealership name is Brooklyn Mitsubishi so they rush me to sign telling it's a finance it just says that lease because the loan come from them really turns out it is a lease they charge me a down payment and insurance money which I know in the TILA act all that is suppose to be included and if they could of showed me where at in the law it states other wise they can't then I ask them to taking about dealership Brooklyn Mitsubishi and drivrz financial show me where they cant show me the original promissory note wet signiatures they cant all fraud and that is a crime however I change my address to Pennsylvania I ask to do a title transfer they said it would take 40 days this is all witnin the contract I said ok it took 6months they lost the title told me I had to wait nothing can do about and that I still have to make my monthly payments so now i cannot register this car or insure it my job how am I gonna make payments so I suffer from depression with this anxiety stress now they trying to tow my car threats They violated my consumer rights the whole Process is fraudulent they not suppose to ask for no down payment under the TILA this company is very much not in compliance with consumer rights up holding the law and operating in good faith people make mistakes this not one of them... they never gave me a car fax they just rush me to sign leaving me with a upside down loan and they never did anything about payments title nothing I had to wait for their negligence mean while I could not do anything with the car because of the title issue that they messed up on...

  Business response

  03/10/2023

  Business Response /* (1000, 5, 2022/12/20) */ On 10/5/21, ****** ******* submitted a credit application to Brooklyn Volkswagen to lease a 2018 Maserati. After submitting the required document confirming his address, income, and identity, his credit application was approved and a Motor Vehicle Lease Agreement- Closed End was entered between Brooklyn Volkswagen and ****** *******. In addition to other documents provided to Mr. *******, a CARFAX report was prepared and provided to him. Mr. *******' BBB Complaint is not well-stated, but appears to claim that he was deceived as to the specific type of transaction he entered. The documents attached to this response dispel that contention. It is abundantly clear from the documents that Mr. ******* entered a closed-end lease transaction, not a purchase for the 2018 Maserati. The lease agreement clearly states the terms of the lease including the number of monthly payments, the monthly payment amount, the amount of the down payment, as well as all costs associated with the lease. We are attaching several documents to this response including: 1) Credit Application; 2) Closed-End Lease Agreement; 3) Payment History; and 4) Carfax. Drivrz Financial is unaware of any impropriety relating to the origination and servicing of Mr. *******' lease. We are happy to provide additional information as needed. Consumer Response /* (3000, 7, 2022/12/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) good afternoon and thank you for your support &help BBB. TODAY I READ YOUR EMAIL REGARDING MY COMPLAINT ABOUT DRIVRZ FINANCIAL AS I STATED BEFORE THIS CONTRACT WAS A RUSH AND SIGN I DID NOT HAVE TIME TO READ IT HOWEVER IT DOSENT INCLUDE THE FINANCE FEE UNER THE TRUTH AND LENDING ACT STATES FINANCE CHARGE MUST BE INCLUDED IN THE FINANCING CHARGE THATS ONE VIOLATION THE INSURANCE FEE MUST BE INCLUDED IN THAT CHARGE AS WELL SECOND VIOLATION THATS COMMITTING FRAUD. I ASK FOR FULL DISCLOUSRE ON THIS CONTRACT WHERE IS THE CONTRACT WITH THE PRIMOSSORRY NOTE AT INNEVER SAW THIS I HAVE THAT RIGHT IN THIS CONTRACT THEY ASK TO REVIEW MY PERSONAL INFORMATION NOT REPORT MY PERSONAL INFORMATION WHICH I NEVER READ OR SAW AT THE TIME OF SIGNING NOW I HAVE THE CHANCE TO REALLY READ THEY DOCUMENT STILL I DONT SEE WHERE I AGREED TO ALLOW YOU TO REPORT MY PERSONAL INFORMATION TO NO THIRD PARTY FURNISHER WHICH THEY HAVE BEEN REPORTING TIO THEM AGNSIT MY WILL I DID NOT CONSENT TO THAT I SEE THE CARFAX WHERE IS MY SIGNATURE AT NEVER RECIVED THAT AT SIGNING OR LATER ON. THE LOAN AGREEMENT THAT I UNDERSTOOD WAS AGREED TO HAD THE FOLLOWING TERMSAND CONDITIONS 1)THE ORIGNAL LENDER OR FINANCIAL INSTITUTION INVOLVED IN THE ALLEGED LOAN IS TO USE THEIR MONEY,MONEY EQUIVALENT,CAPITAL, FUNDS OR THING OF VALUE HEREINAFTER CALLED MONEY TO PURCHASE THE PRIMOSSORY NOTE-(LOAN PAPERS)FROM THE ALLEGED BORROWER.2)THE ALLEDGED LENDER OR FINANCIAL INSTITUTION INVOLED IN THE ALLEDGED LOAN WAS TO RECIEVE NO MONEY FROM THE BORROWER THAT WOULD BE USED TO FUND THE ALLEDGED LOAN CHECK OR SIMILAR INSTRUMENT AT THE CREDIT TRANSACTION. THE LENDER AND FINANCIAL INSTITUTION INVOLVED IN THE ALLEDGED LOAN MUST FOLLOW GENERALLY ACCEPTED ACCOUNTING PRINCIPALS,GAAP, AS DESCRIBED IN CPA AUDIT OPINIONS AND THE LAW. 4)THE INTENT OF THE ALLEDGED LOAN AGREEMENTS IS THAT THE PARTY WHO PROVIDED THE MONEY TO FUND THE ALLEDGED LOAN CHECK OR SIMILAR INSTUMENT IS TO BE REPAID THE MONEY. ALL MATERIAL FACTS ARE DISCLODED IN THE ALLEDGED LOAN AGREEMENT. THE BORROWER MUST REPAY THE LOAN USING THE SAME SPECIE OF MONEY MONEY EQIVALENT FUNDS CAPITAL CREDIT OR THING OF VAULE HEREINAFTER CALLED MONEY THAT FINANCIAL INSTITUTION INVOLVED IN THE LOAN PROCESS USED TO FUND THE LOAN CHECK OR SIMILAR INSTRUMENT ACCORDING TO GENERALLY ACEPTED ACCOUNTING PRINCIPES,THUS ENDING ALL INTEREST AND LIENS.I HAVE A FEW QUESTIONS YOU CAN ASK THEM TO PROVIDE ME IF NOT IM GOING TO MAKE THIS A CIVIL ACTIONS. THIS PART OF MY RIGHTS AND DEFENSE. ACCORDING TO THE ALLEDGED LOAN AGREEMENT WAS THE ALLEDGED LENDER OR FINANCIAL INSTITUTION INVOLVED I THE ALLEDGED LOAN TO LEND THEIR MONEYAS ADEQUATE CONSIDERATION TO PURCHASE THE PRIMOSSORY NOT (LOANAGREEMENT)FROM THE ALLEDGED BORROWER YES OR NO 2)ACCORDING TO THE BOOKKEEPING ENTRIES OF THE FINANCIAL INSTITUTION INVOLVED IN THE ALLEDGED LOAN LEND THEIR MONEY AS AS ADEQUATE CONSIDERATION LENT TO PURCHASE THE PROMISSORRY NOTE (LOAN AGREEMENT)FROM THE ALLEDGED BORROWER. YES OR NO 3)ACCORDING TO THE ALLEDGED LOAN AGREEMENT,WAS THE ALLEEGED BORROWER TO PROVIDED ANYRTHING OF VALUE THAT FINANCIAL INSTITUTION WOULD USE TO GIVE VALUE TO A CHECK OR SIMILAR INSTRUMENT IN APPROXIMATELY THE AMOUNT OF THE ALLEDGED LOAN YES OR NO 4)ACCORDING TO THE BOOKKEEPING ENTRIES OF THE FINANCIAL INSTITUTION INVOLVED IN THE ALLEDGED LOAN. DID THE LENDER OR FINAMCIAL INSTITUTION INVOLVED IN THE ALLEDGED LOAN ACCEPTED ANYTHING OF VALUE FROM THE ALLEDGED BORROWER THAT USED TO GIVE VALUE TO A CHECK OR SIMILAR INSTUREMENT IN APPROXIMATELY THE AMOUNT OF THE ALLEDGED LOAN?YES OR NO 1)THE ORIGNAL PROMISSORY NOTE,FRONT AND BACK , ASSOCIATED WITH THE ALLEDGED LOAN YES OR NO I WANT THE FULL DISCLOURE OF THIS 2)ANY ALLONGE FRONT AND BACK AFFIXED TO THE BORROWERS PROMISSORY NOTE FOR ALLEDGED LOAN. 3)ALL BOOKKEEPING JOURNAL ENTRIES ASSOCIARED WITH THE LOAN 4)THE DEED OF TRUST ASSOCIATED WITH THE LOAN 5)THE INSURANCE POLICY ON BORROWERS PROMISSORY NOTE ASSOCIATED WITH THE LOAN 6)THE CALL REPORTS FOR THE PERIOD COVERING THE LOAN 7)THE DEPOSIT SLIP FOR THE DEPOSIT OF THE BORROWERS PROMISSORY NOTE ASSOCIARTED WITH THE LOAN 8)THE ORDER AUTHORIZING THE WITHDRAWL OF FUNDS FROM THE BORROWERS PROMISSORY NOTE DEPOSIT ACCOUNT 9)THE ACCOUNT NUMBER FROM WHICH THE MONEY CAME TO FUND THE CHECK GIVEN TO THE BORROWER 10)VERFICATION THAT BORROWERS PROMISSORY NOTE WAS A FREE GIFT TO THE LENDER FROM THE BORROWER 11)THE NAME AND ADDRESS OF THE CURRENT HOLDER OF THE BORROWERS PROMISSORY NOTE 12)THE NAME AND ADDRESS OF THE LENDERS CPA AND AUDITOR FOR THE PERIOD COVERING THE LOAN EXECUTION SENSE IM THE BORROWER THIS MY GOOD FAITH TO CLEAN UP ANY CONFUSION IN THIS MATTER BEFORE I TAKE ANY OTHER ACTION FULL DISCLOURE OF EVERYTHING I ASK FOR STATED IN THIS REPONSE NOTICE OF DEMAND FULL DISLOUSRE YOU HAVE TEN DAYS TO REPSOND. Business Response /* (4000, 9, 2022/12/27) */ Mr. ******* was provided with all required disclosures under federal law. The Closed End Lease Agreement, which was previously provided in response to this complaint, and which was provided to Mr. ******* at the time of the lease, contains all disclosures required by the federal Consumer Leasing Act (CLA). The CLA amended the Truth In Lending Act (TILA) and regulates personal property leases that exceed four months in duration and that are made to consumers for personal, family, or household purposes. The information required to be disclosed to Mr. ******* are explicitly provided in the terms of the Closed End Lease Agreement. 1)THE ORIGNAL PROMISSORY NOTE,FRONT AND BACK , ASSOCIATED WITH THE ALLEDGED- See the Closed-End Lease Agreement. 2)ANY ALLONGE FRONT AND BACK AFFIXED TO THE BORROWERS PROMISSORY NOTE FOR ALLEDGED LOAN- There is no Allonge. 3)ALL BOOKKEEPING JOURNAL ENTRIES ASSOCIARED WITH THE LOAN- This request is vague and appears to be irrelevant. 4)THE DEED OF TRUST ASSOCIATED WITH THE LOAN- There is no Deed of Trust. 5)THE INSURANCE POLICY ON BORROWERS PROMISSORY NOTE ASSOCIATED WITH THE LOAN- There is no such document. 6)THE CALL REPORTS FOR THE PERIOD COVERING THE LOAN.-This request is vague and possibly irrelevant. 7)THE DEPOSIT SLIP FOR THE DEPOSIT OF THE BORROWERS PROMISSORY NOTE ASSOCIARTED WITH THE LOAN.- This does not exist. 8)THE ORDER AUTHORIZING THE WITHDRAWL OF FUNDS FROM THE BORROWERS PROMISSORY NOTE DEPOSIT ACCOUNT- This does not exist 9)THE ACCOUNT NUMBER FROM WHICH THE MONEY CAME TO FUND THE CHECK GIVEN TO THE BORROWER- We do not have sufficient information to respond to this request. 10)VERFICATION THAT BORROWERS PROMISSORY NOTE WAS A FREE GIFT TO THE LENDER FROM THE BORROWER- We have no information responsive to this request. Consumer Response /* (2000, 11, 2022/12/30) */ (The consumer indicated he/she ACCEPTED the response from the business.) good day bbb;i ask for information from the leasing company drivrz financial none of which is answered proof of the promissory note front and back a contract is not a promissory note thats a contract with a argeement i which i never agree to i rush to sign i extended my credit to i am the creditor i know my rights i know now i know who iam this company cannot provide me with the promissory note or any real transaction that dosent include me as the creditor however your not a bank you cannot create money nor can you give me money what money did you give according to 12usc 83 banks cannot extend credit so how did you generate money to give me show me the law that states you can give me money for a loan show me the law that states you can. show me the law that states companies can superceed federal laws and consumer rights which you was not at the dealership who encouraged me to sign the contract without reading it if i enterd a consumer credit transaction and was except where did the acceptance come from how did you recieve money for the loan you never gave me cause stated you dont have a promissory note front&back you lost the title for me to complete a title transfer you said it takes 40 days to do so why it took 6and half months to do so and if you are incomplaince of the law the tila act you breech your contract you committed fraud by taking a down payment that was included in the finance charge thats law under tila you violated my rights to be accepted for the loan means you were paid already you show me the law where i have to pay when this law state what is exactly going on 15usc XXXX XXusc1602 it took more time then what your contract said to do a title transfer that means you breccch your own contract the ters are release the title free of any liens refund my funds downpayment etc this a final warning my attorney general will contact you mail or by phone im going to send you some documents if no response then this matter will be handle by my attorney general for correction. your not above the law and you will pay for what you are doing and i will post this matter on BBB AND ALL WEBSITES TO MAKE SURE THIS DOES NOT HAPPEN TO NO ONE ELSE BREECH OF CONTRACT FRAUD AND PUDRY STATING YOU DONT HAVE A PROMISSORY NOTE STAATING THAT A CONTRACT IS A PROMISSORY NOTE SHOW ME THAT WHERE THAT IS STATED .I Want my title my funds that you took from at signing i never got a chance to read the contract i wpuld of nevr enterd a credit transaction with your company compnay polices dont exceed the law. i made decision then comes agreemnt i never had any say so in the agreemnt i was never informed to what i was signing i was infromred you need to two parties to make agreement i was rush to make an uninformed decision which again is a violation of consumer credit transaction its gonna get ugly i gave you my terms and questions 7days to repond to this notice of default this will not be done like this once i inform my attoerney general if my terms are not met. Consumer Response /* (4200, 16, 2023/01/03) */ response from the business.) good day bbb;i ask for information from the leasing company drivrz financial none of which is answered proof of the promissory note front and back a contract is not a promissory note thats a contract with a argeement i which i never agree to i rush to sign i extended my credit to i am the creditor i know my rights i know now i know who iam this company cannot provide me with the promissory note or any real transaction that dosent include me as the creditor however your not a bank you cannot create money nor can you give me money what money did you give according to 12usc 83 banks cannot extend credit so how did you generate money to give me show me the law that states you can give me money for a loan show me the law that states you can. show me the law that states companies can superceed federal laws and consumer rights which you was not at the dealership who encouraged me to sign the contract without reading it if i enterd a consumer credit transaction and was except where did the acceptance come from how did you recieve money for the loan you never gave me cause stated you dont have a promissory note front&back you lost the title for me to complete a title transfer you said it takes 40 days to do so why it took 6and half months to do so and if you are incomplaince of the law the tila act you breech your contract you committed fraud by taking a down payment that was included in the finance charge thats law under tila you violated my rights to be accepted for the loan means you were paid already you show me the law where i have to pay when this law state what is exactly going on 15usc 1601 15usc1602 it took more time then what your contract said to do a title transfer that means you breccch your own contract the ters are release the title free of any liens refund my funds downpayment etc this a final warning my attorney general will contact you mail or by phone im going to send you some documents if no response then this matter will be handle by my attorney general for correction. your not above the law and you will pay for what you are doing and i will post this matter on BBB AND ALL WEBSITES TO MAKE SURE THIS DOES NOT HAPPEN TO NO ONE ELSE BREECH OF CONTRACT FRAUD AND PUDRY STATING YOU DONT HAVE A PROMISSORY NOTE STAATING THAT A CONTRACT IS A PROMISSORY NOTE SHOW ME THAT WHERE THAT IS STATED .I Want my title my funds that you took from at signing i never got a chance to read the contract i wpuld of nevr enterd a credit transaction with your company compnay polices dont exceed the law. i made decision then comes agreemnt i never had any say so in the agreemnt i was never informed to what i was signing i was infromred you need to two parties to make agreement i was rush to make an uninformed decision which again is a violation of consumer credit transaction its gonna get ugly i gave you my terms and questions 7days to repond to this notice of default this will not be done like this once i inform my attoerney general if my terms are not met.

• Initial Complaint

  09/30/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I bought a car and leased it thru these people, worst mistake you can ever do when buying a car, DO NOT BUY FROM THESE PEOPLE. I have been trying to get my registration for the last five months and have been unable to, they supposedly say this is because the DMV is backlogged; however this is not true, I have since bought another car out-of state from Florida and that vehicle's registration was processed in 2 weeks (by the way, same time the Texas DMV states it should take). I have been emailing Deb W**** and she has not been helpful AT ALL, I do not know what is going on. All thru this I have been trying to sell the car but have been unable to due to not having registration, because I have been unable to do this the car has now lost $10,000 in value. PLEASE HELP ME!!!!

  Business response

  12/12/2022

  Business Response /* (1000, 5, 2022/10/11) */ Drivrz is committed to providing great customer service to its customers. Drivrz has reviewed this complaint in detail and sought to address the issues raised therein. It is important to note that, in accordance with Texas law, dealerships in Texas are required to register and title vehicles that they sell. In this case, Drivrz is not the selling dealer rather it is the finance company that purchased the contract that was entered into between Ms. ******* and the selling dealer. As a result of this relationship, Drivrz does not have the title and is not in a position to complete the registration and title transfer. That is the dealer's responsibility pursuant to Texas law. In an effort to resolve this matter, Drivrz has been in contact with the selling dealership on multiple occasions and requested that it promptly complete the title transfer and obtain the registration. The selling dealer has confirmed to Drivrz that the paperwork is pending with the Texas Department of Motor Vehicles and it believes that the paperwork will be processed soon resulting in the title transfer. Drivrz will continue to work with and communicate with this dealer in order to aid Ms. ******* in obtaining the title and registration she is requesting. Drivrz is hopeful that the transfer will be completed by the dealer soon.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩