This company has horrific customer service. I purchased a car in January. Yes, my credit is bad, but I'm trying to rebuild, so I accept my high interest rate, but there is no excuse for such poor customer service.
My first payment was due on February 16. I mailed it in on 2/10/06 and it posted on 2/16. Payment was on time. I signed up for the automatic payments so that the payment would be taken out of my checking account. I did this by filling out the back of the payment coupon that I sent in along with my first payment.
Since I have not recieved a confirmation as of today I called Drive to see if the auto payment had been set up. I had to answer a million questions before I could even inquire, but I finally was able to ask, very politely if I was set up for auto payments. The VERY rude person told me a flat no. After holding the phone, waiting for an explanation I asked if she had received my paperwork for the auto payment. She said yes and again became silent. I asked why I wasn't set up. She said it was because it takes 30-45 days. I asked if Drive intended to tell me that. Here I was thinking I didn't need to mail a payment because it would all be automatic. She told me that no, they were not going to notify me of the processing time. So then I asked how I was supposed to know that I had to mail a payment. She then told me, quite rudely that I was lucky I called. I knew then that I had made a huge mistake by going with this company. So I came to this site to see what other people were experiencing.
It seems they want my second payment to be late so that they can charge me their exorbitant fees. Luckily I DID call, otherwise, I would not have sent a check in. I can see right now that dealing with these people will be a hassle, even though I have only made on payment, and that payment for $50 more than the amount due. Hopefully after 12-18 timely payments, my credit will have improved and I can refinance to a company who treats people with respect.
To the other customers, I have this advice. Try not to be late, document all copies, use a Excel to keep a running tally of what you paid and what you owe, and if possible pay more than is due in order to cut down on your payments and to be able to refinance with a REPUTABLE company.
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