Total CFPB complaints
125
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 125 complaints
DriveTime — Debt Collector Complaint Profile
CFPB complaint profile across 27 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about DriveTime
- Attempts to collect debt not owed
Attempts to collect debt not owed
18 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
17 complaints
- False statements or representation
False statements or representation
16 complaints
- Written notification about debt
Written notification about debt
13 complaints
- Communication tactics
Communication tactics
12 complaints
- Cont'd attempts collect debt not owed 6
Cont'd attempts collect debt not owed
6 complaints
C
Grade C · 61.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about DriveTime?
DriveTime has accumulated 125 total CFPB complaints across 27 states, with 25 filed in the most recent 12 months against 100 historical complaints before that window. The trailing-12-month volume represents 20.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 11% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 27 states, led by Texas with 23 and Florida with 22, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.7/100 places DriveTime in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
25
20.0% of total history
Rising ↑
States active
27
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
11%
After company response
Reputation grade
C
61.7/100 composite
Response-quality profile
How DriveTime performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 21.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 48.2%
Share of US states + territories with at least one filed complaint against this collector.
How does DriveTime compare to its peers?
DriveTime National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-11 2026-02
Top Consumer Issues
False statements or representation16 (%)
Communication tactics12 (%)
Took or threatened to take negative or legal action17 (%)
Attempts to collect debt not owed18 (%)
Written notification about debt13 (%)
Cont'd attempts collect debt not owed6 (%)
Disclosure verification of debt5 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 16 |
| Communication tactics | Frequent or repeated calls | 12 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 11 |
| Attempts to collect debt not owed | Debt is not yours | 11 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 6 |
| Disclosure verification of debt | Right to dispute notice not received | 5 |
Where do complaints against DriveTime come from?
The states where consumers have filed the most CFPB complaints against DriveTime. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against DriveTime
Across 27 states with at least one filing
- Texas
Texas
23 complaints
- Florida
Florida
22 complaints
- Georgia
Georgia
14 complaints
- North Carolina 9
North Carolina
9 complaints
- California 7
California
7 complaints
- Virginia 7
Virginia
7 complaints
- Ohio 6
Ohio
6 complaints
- Arizona 3
Arizona
3 complaints
Frequently Asked Questions
What is the most common complaint against DriveTime? ▼
The most common issue consumers report about DriveTime is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 125 complaints filed with the CFPB.
Are complaints against DriveTime increasing or decreasing? ▼
Complaints against DriveTime are rising. The company received 25 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is DriveTime's reputation grade? ▼
DriveTime has a reputation grade of C (score: 61.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does DriveTime respond to consumer complaints? ▼
DriveTime has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.
In how many states does DriveTime operate? ▼
DriveTime has received CFPB complaints from consumers in 27 states, with the most complaints from Texas (23 complaints).
What can I do if DriveTime is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If DriveTime violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |