DriveTime Consumer Loan Complaint

DriveTime Consumer Loan department,

Vehicle loan Taking out the loan or lease Alabama

- 2013 I purchased a vehicle from Drive Time in -, Al & the sales manager insisted I had to purchase a 5 year warranty at $2800.00 to be financed at the 22 % interest rate on top of car price. I was also told that if I made payments on time & showed perfect pay history after a period of time like a year that DT Credit would re-fi this loan at a lower interest rate. After 18 months of perfect pay history I called & I was told this was a LIE!!!!. ALso I was informed it is illegal to make warranty mandatory. It should be presented as optional. Now I have finally found better finance at 7 % interest & asked DT Credit /Finance for payoff MINUS the amount of pro-rated warranty. DTCredit has a company called - admin the warranty. I faxed them the paperwork for canceling the warranty & they informed me $1800.00 would be credited to loan. BUT THE PROBLEM IS THEY ( DT CREDIT, LLC ) WILL NOT DO THIS TILL - -. The amount this difference makes is perfect for my new finance co but not without the $1800.00 deducted. AS of today I have no warranty But DT Credit refuses to subtract this from payoff for 3 weeks. THIS SHOULD BE ILLEGAL but at the very least poor customer service. After speaking with every clerk in the office who took turns calling themselves a supervisor I was hung up on & on hold an hour. I was told that they can not contact upper management nor transfer me to - -, the president, CFO, CEO. I can not get my new loan financed till they take off the $1800.00 warranty that is now canceled as of - - WHY should I wait till - - to get the actual payoff & HAVE to make - MORE PAYMENT to DTCredit. THIS SHOULD BE ILLEGAL