This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 129 complaints

DriveTime - Debt Collector Complaint Profile

CFPB complaint profile across 27 states, reputation grade C.

Complaints by issue type

What consumers report about DriveTime

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.7/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: DriveTime ranks ahead of 49% of the 5,283 collectors PlainCollector grades - 51% keep a cleaner CFPB record, on 129 all-time complaints and a 98% timely-response rate.

49th pct
reputation rank of 5,283 graded collectors
129
CFPB complaints, all-time
98%
answered inside the CFPB window
23
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about DriveTime?

DriveTime has accumulated 129 total CFPB complaints across 27 states, with 23 filed in the most recent 12 months against 106 historical complaints before that window. The trailing-12-month volume represents 17.8% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Attempted to collect wrong amount". The company posts a 98% timely-response rate against a 11% consumer-dispute-after-response rate.

Complaints have been recorded across 27 states, led by Texas with 24 and Florida with 23. Normalized against the full CFPB collector database, the reputation score of 61.7/100 places DriveTime in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

129

mid-volume (CCDB)

Last 12 months

23

17.8% of all-time complaints

Stable →

States active

27

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

11%

average (vertical avg ~19%)

Reputation grade

C

61.7/100 composite

How does DriveTime's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

62 49th percentile higher than 49% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

DriveTime versus the debt-collection vertical average.

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) 10.8%
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?

How does DriveTime compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
DriveTime National average
Complaints (last 12 mo)lower is better
23
0
268
Timely-response ratehigher is better
98%
71%
91%
Consumer-dispute ratelower is better
11%
30%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-12 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 26
Attempts to collect debt not owed - 24
False statements or representation - 21
Communication tactics - 16
Written notification about debt - 14
Disclosure verification of debt - 8
Cont'd attempts collect debt not owed - 7
Threatened to contact someone or share information improperly - 6
Improper contact or sharing of info - 4
Taking/threatening an illegal action - 2

Where do complaints against DriveTime come from?

DriveTime's own per-state count, not a national baseline.

Top states by complaints against DriveTime

Across 27 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if DriveTime contacts you

A grade of C signals how DriveTime's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really DriveTime and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how DriveTime ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against DriveTime? ▼

The most common issue consumers report about DriveTime is "Took or threatened to take negative or legal action", specifically "Attempted to collect wrong amount". This is based on 129 complaints filed with the CFPB.

Are complaints against DriveTime increasing or decreasing? ▼

Complaints against DriveTime have been stable. The company received 23 complaints in the last 12 months.

What is DriveTime's reputation grade? ▼

DriveTime has a reputation grade of C (score: 61.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (24 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.