Carvana Group, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/31/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AZ 85018	Web
PLEASE REFER TO THE FULL DETAILS WRITTEN WITHIN 1-65 PAGES PDF INCLUDED THIS WILL BETTER EXPLAIN WITH FULL LENGTH DETAIL. Hi my names XXXX XXXX and I wanted to first thank you for your time, consideration, and care over my list of valid complaints and regulatory/law violations that I now have unrefutable proof to support my claims in and of their entirety. I also would like to apologize for any ranting ahead of time seeing as how I am still trailing a severely excrutiating amount of frustration, disgust, and disgruntlement over the way I have been mistreated and uncared for by Carvana, XXXX in house lender with carvana, and their warantee company XXXX XXXX. So much so that it is absolutely disappointing/disgusting at best, and highly unethical, illegal, and potentially even criminal at worst given my valid plethora of proof and takeaways thru my experience with doing business with Carvana, XXXX, XXXX XXXX, and its representatives. My complaints surround mainly Carvana LLC, but also its in house lender XXXX, and its affiliate XXXX XXXX handling their XXXX XXXX, and the many lending laws companys like Carvana LLC and its in house lender are bound to follow and ensure proper escallation guidelines are in place and exhausted to properly document, resolve, and/or to prevent overt impacts being brought onto their clients. These Laws and regulations violations I am claiming Carvana clearly, intentionally, and severely violated without a doubt being UDAAP Unfair Deceptive Acts and Practices, Truth in Lending laws/regulations, Consumer Financial Protection Act and Dodd-Frank Act, Equal Credit Opportunity Act ECOA, and AZ Lemon Laws. To start I will explain from the beginning to paint the best picture in which i have supplied all dates within my communications, pictures, contracts, original sales page, 150 pt inspection list, car fax, and the many more files included in my large pdf compiled. I also have the recording of the over the phone conversation XXXX had with me clearly stating the negative input of the XXXX mechanic given the vehicles current state and expected future, highly expensive, major unaddressed complications to expect thereof especially with the type of problems incurred now occurring so early in the vehicles life at this time per XXXX XXXX mechanic inspection. Repairs so far known as immediately needed are a new radiator fan and new AC Compressor for clarity. XXXX mechanics also agree that this vehicle is and was sold to me as one heck of a Lemon for lack of better phrasing per the mechanics way of putting it into terms. Non the less I will explain to the fullest and in its entirety regarding the situation and the nature of the specific violations they have committed within carvana LLC, XXXX, and in connnection XXXX XXXX negligenty and intentionally without a care of the harm and/or hazards brought and done onto me, my family ( wife and daughter XXXX years old ) and onto others alike with potentially lower than perfect credit many of whom share similar experiences as my own per online reviews and social media posts discovered. Whereas I am not in a position to fight the complaints of others, but I'm led to believe out of the actions and carelessness willfully taken by and exhausted by Carvana, XXXX, XXXX XXXX, and their employees in additon to the experiences Ive had and documentation thereof to support such complaints that Carvana, XXXX, and XXXX XXXX may be conspiring to commit CONSUMER FRAUD on a grand scale to do the same if not similar acts to impact the masses of less than perfect credit customers and in doing so leaving an overbearing burden on their clients and other local businesses sharing similar market interests. Mind you I am now outside of the 7 day return period and even with a slight 2 day extension granted as a result of the vehicles pre existing mechanical issues which took me to XXXX XXXX XXXX and my vehicle is still in the shop without the greenlight from XXXX XXXX XXXX to approve the work to be started. Now the vehicle has been in the shop for a severly unreasonable amount of time since monday XXXX after sitting in the parking lot unmoved all weekend at my apartments since pickup Saturday XXXX and I only got to test drive it home approx 15 miles only to discover the overheating issue while A/C is running which is beyond the engine noise issue only acknowledged as an issue by me and carvana rep at time of pickup leading to the ASR Report filing by the agent of carvana to enable the fixes that havent been approved causing me to lapse on my return period. All the while they had plenty of time and knowlege of the work to be done by XXXX mechanic inspection but have yet granted the approval to start the actual fix. With this just being the tip of the iceberg please allow me to fully explain so you take away the best picture as to how all this truly came to be and you will see by the end that invevitably an investigation into their lending practices and regulatory obedience is absolutely neccessary to uncover how large the previously mentioned conspiracy to commit CONSUMER FRAUD on a grand scale is and has been within Carvana, XXXX, and their associated Warantee Company XXXX XXXX as I suspect given how everything happened so far. Sadly this is my first and my worst certified used car purchase experience whereas I have had better luck with vehicles purchased in my younger years thru private parties with over XXXX and they even lasted longer than the XXXX of a Lemon they falsely advertised and sold me the private party vehicles previously noted survived longer and with less work if any ever needed beyond oil changes and similar common maintenance. This brings me to my next point which the XXXX XXXX mechanics feel is all i should have to worry about is common maintenance oil change brake changes etc even with this XXXX XXXX age and mileage. Knowing my claims and knowing very well the Laws described as a banker whom previously originated loans for majority of my banking career myself and having to exhaust measures to comply and if needed escalate and document day over day in my own job I refuse to be played as a fool and taken advantage of by Carvana, XXXX, and XXXX XXXX warrantee, and am now first trying to gain a FULL resolve to the fullest extend permitted by the presiding laws, regulations and penalties thereof as described. This including the tier 3 CONSUMER PROTECTION ACT VIOLATIONS and the many others alike previously noted and claimed as violated by Carvana, XXXX, and its affiliated XXXX XXXX warrantee. My goal is to reach a fully encompassed and appropriate resolution with filing this complaint and to the extent that I see and know as allowable by law as it is clearly written. Otherwise should this complaint not prevail as expected, as easy it is to prove, and should Carvana and the other affiliates not want to take ownership of their, especially CARVANA LLC, severe violations and unethical nature of the violations therof then I will be left no choice other than to pursue my claims including additional PUNITIVE DAMAGES after consulting my attorney if needed therof to take action in a formal civil litigation lawsuit where a Judge will mandate Carvana LLC and any other associated affiliates to be investigated, placed under severe regulatory overwatch should they be allowed to operate further, and penalized both civil and federally thus investigated to the fullest extent of their violations and the penalties thereof as this case is pretty black and white in its entirety and my documented proof will justify such at any time just as I am proving to you within the CFPB. Especially now that I may be facing soon a loss of job due to having now been sold severely unreliable transportation that is overly prone to severe breakdowns soon per the XXXX mechanics inspection and experience. Which to better explain once my job determines working from home is no longer needed/available and a return to the office is mandatory me and my family will be left with the severe overt impact this Carvana LLc Company has caused on top of the overt impacts already suffered on account of their length of negligence and lack of care towards their customers and towards the laws that govern their sale activities and abilities thereof. I will explain from the beginning. Me and my family had been involved in a Hit and Run accident that left me my previous vehicle at a total loss and in a deficit still owing on the other vehicle. So moving forward I chose to give Carvana a chance approx XXXX and applied online to see what I may be approved for to obtain another vehicle. Carvana had at that time approved me for financing at a high interest rate with a {$2900.00} down payment and no vehicle trade in. I took my time to research the available vehicles and was originally looking into something similar to my XXXX XXXX XXXX but later me and my family chose to go with a bigger vehicle we felt safer in due to the nature of the damage to the XXXX on such a low speed impact which upon continuing to search we found this unique looking XXXX different than the rest. The XXXX was within my price range yielding a {$2900.00} down payment requirement even with additional warrantee coverage and gap insurance. Also compared to many other vehicles listed the XXXX XXXX XXXX had a clean XXXX including regular in shop oil changes etc as listed and the XXXX had a supposed clean 150 pt inspection listed as done on XXXX stating the vehicle was fully operational without issue this including the areas around where the issues I have experienced since are occurring. Therefore at that time we determined as a family it would be best to go with the XXXX and despite the year and mileage on account of the history of the jeeps XXXX and 150pt inspection records and care for thereof that made us feel we were making a purchase of a quality fully functional vehicle as Carvana continued to what we now know to be falsly promoted via email and on their site. Within the time of shopping from XXXX thru XXXX we were making last minute choice changes only to revert back to the XXXX as our final choice by XXXX thru XXXX me and my family were making our final choice around going forward with the XXXX per our final decision making to choose a larger vehicle that made me and my family feel safer. Included are the previous and final version of the signed contract up till day of pickup. During this time I almost lost my ability to purchase the XXXX making changes to my vehicle of choice and luckily it became unreserved and was able to be reverted back to the XXXX shortly after and reserved as my selected vehicle under my profile. Whereas Carvana was ready to sell to another party and would of just as easily bestowed the same issues onto someone else without a doubt and without any care as my experience has proven from beginning to end. Without any clear care for Federal and State Laws/Regulations in addition as you will see with my explanation and proof thereof. This after all my experiences leads me to firmly beleive the acts and violations committed very well may be being commited by Carvana, XXXX, and their Warantee Company XXXX XXXX intentionally against me, my family, and other less than perfect credit customers alike on a grand scale leaving them stuck with broken lemon vehicles that havent been cared for as they advertise prior to listing thus leading to the inevidable sale of these vehicles such as the Lemon " XXXX XXXX XXXX '' sold to me and my family carelessly. Moving on with my explanation and fine points. Once I had everything in line from funds verification, document verification, contract signed, and insurance swapped over from my previous vehicle on friday by approx XXXX to XXXX I wake up saturday XXXX at XXXX XXXX in the morning to find out that Carvana unexpectedly has emailed me to reschedule my pickup time due to a newly discovered COSMETIC concern and that they quote on quote per their email say in writing '' CARVANA WANTS TO PROVIDE ME THE VEHICLE AS IT WAS ADVERTISED ''. This told me nothing to the true extend of the reasoning behind the delay. Upon calling Carvana to find more information I was advised by their phone representative that it appears that the cosmetic concern is actually a result of a Carvana employee whom hit the XXXX XXXX Bumper with a vehicle while driving to move another vehicle. I was bitterly furious and livid to find this out as to how this could of carelessly happened and having to call myself to find the truth as to what happened rather than be told upfront and truthfully. Not to mention also having to of called myself to attempt to escalate the issue and find out the truth rather than simply being told the truth via email, or even called to be informed of the occurrence, how they will be fixing it, and my rescheduling options. I then sent further emails requesting this issue be escalated, for a supervisor to contact me, and for pictures to be sent to show the extent of the damage their employee had done. I also emailed them around XXXX XXXX requesting further accommodations due to the nature of the issue and inconvenience which was ignored. One request was to have the vehicle delivered waiving the charge of {$500.00} since I had to make alternative arrangements that may have further impacted my jobs in addition to the time I already had to take off unpaid to resolve these issues. Out of my requests NONE of which were ever done and after about a week of waiting and following up with Carvana to find out if info and formal pictures of the bumper issue will be sent and if someone can better explain to me how this could of happened so carelessly. I kept in communication to no avail for days on in with the understanding that this bumper replacement would of taken till XX/XX/XXXX for the part to be delivered for replacement. Over the next few days I continue to call taking unreasonable amounts of impactful time off work to find out if they have any update only to eventually find out all they are willing to do is paint the bumper rather than replace it. This being after days of waiting to find any info out. Still no pictures or other supporting documentation was provided as requested in regards to the damage done prior to pickup. Also this overall determination took a severly unreasonable amount of time to come to conclusion on to be able to move forward with the sale. Not to mention the obvious devaluation of the collateral vehicle due to the incident. Mind you still to this day they have never updated their site sale page as listed to indicate the additional accident and repair nor did they update the advertised mileage as required instead they kept the originally stated mileage which was XXXX as shown in the pictures of original advertisement. On Wed XXXX XXXX XXXX from Carvana phone number XXXX I was called and left a Voice Message by a representative within Carvana LLC Named XXXX. This agent XXXX I spoke to over the phone and actually followed up as promised, only once, to advised me saying the earliest time Carvana can have the car ready for pickup is Friday XXXX at XXXX which inevitabely had to be rescheduled online for the following saturday XXXX to avoid further impacts to my job and paid time worked vs unpaid time taken off to address and handle issues that Carvana has caused and provided little to no effort to resolve or escallate appropriately. Upon me having discovered the issue of the Carvana LLC Employee hitting the XXXX and time originally quoted to fix the bumper thru replacement but was later only painted supposedly and without supporting documentation provided to me as requested to affirm the damage and fix. I luckily avoided further negative financial impact unto me and my family in having to swap the vehicle under my insurance back to my older vehicle listed up until the XXXX was further ready for pickup proceeding the fix. This action having to be taken almost caused me to have a gap in covereage for my auto insurance and would of cost me a plethora more financially month over month year over year in premiums had the agents not been able to aviod the gap in coverage. Luckily this was avoided and situated to reprocess the same quote when the time was right later in the month of XX/XX/XXXX. Moving forward once XXXX came around and vehicle was ready for pickup I once again had to take yet another expensive XXXX ride to their XXXX Location " Vehicle Vending Machine '' address of which is listed in the many pictures on my pdf. Upon arrival I waited until my appointment time approx XXXX and the agent gave me the paperwork in the folder shown in my pdf file compilation. She explained the vehicle still needs to be taken into emissions to pass within a few days and to use the voucher to avoid the cost after the drive cycle is complete after so many miles driven. To me this is something that should of been done just like a formal ACCURATE inspection well before my pickup especially with all the time they had the vehicle in surplus of my original pickup date and additionally the extra driving of XXXX approx. miles a Carvana Employee drove it beyond the advertised listing mileage which should of been a complete drive cycle enabling Carvana LLC to ensure it will even pass emissions and obtaining the certification for such and fixing any issues prior to selling or even listing for sale. Once the paperwork was provided in person as shown in the pdf pictures ( return paper and car fax and few other documents ) and I initiated the coin into the vending machine the rep had to drive the vehicle around front to me for showing since their vending machine wasnt fully operational due to faulty mechanical problems as explained by XXXX the ON SITE AGENT at the location assisting had explained. Non the less when the vehicle was driven around for my viewing it immediately was further acknowledged by XXXX and initially acknowledged by Myself to be having clearly audible severe engine noises from an unknown location within the engine. At that time the vehicle was parked and idling I further inspected the XXXX XXXX both while on and off and at that time the Agent explained since this is a problem that was pre-existent prior to sale and pickup they will file a ASR Case to have Carvana LLC fix the issues in their entirety and this allows to see if it corrects itself since she claimed it just had an oil change, or she says I can return the vehicle and get another. Which is insult to injury at this point as I am still piecing all the puzzle peices together boggled as to how this all could of been overlooked and become a problem for me so carelessly under such a companies guidance and managent who should be providing measures to prevent this from ever happening within reason. Even then after seeing the bumper I didnt even notice if they had actually done anything to the bumper as it didnt look like it had been painted as claimed and the agent didnt know any of the details about the damage location or repair either aside from it supposedly being addressed. I chose to allow them the opportunity to fix the issues evident as existing prior to the official sale. This taking place once inspected and root of issue discovered and to enable them the opportunity to correct the issues and have the vehicle to be sold as it was advertised to me and my family. Also just as I mentioned before as to how Carvana assured me in writing via email that their goal was to provide me the vehicle AS ADVERTISED when they had to fix the bumper issue. I allowed her to file the case taking their advise with the understanding Carvana LLC was to fix the issue as a result of this issue existing prior to pickup as XXXX confirmed. I then basically test drove the vehicle only to find out soon after within 15 miles of test driving the vehicle home that the vehicle is overheating and made it to 3/4 of the way to H on the Temprature gauge of the vehicle and luckily was able to cut the a/c and make it home without incurring a severe engine failure and without it making it all the way to H thankfully preventing a on the spot full engine overheat and failure. As you see noted via email to Carvana LLC at the XXXX addressing the newfound overheating issue in addition to the pre existing issue of loud engine noise clunking prior to pickup I sent to Carvana via email on XXXX at XXXX explaining in detail the overall issues in addition to the overheating experienced and left unaddressed for weeks prior to pickup and thru many more shop visits for the additional repairs. I further sent an email on XXXX at XXXX to XXXX to have noted and affirm I only drove 15 miles approximately home whereas the vehicle was provided to me with approx XXXX miles more than the advertised mileage and even so the listed mileage on the Final and only Signed contract Signed by me and Carvana LLC financed thru XXXX that I have included from XXXX stating the mileage of XXXX not XXXX with the exception of the approx 15 miles I drove home and left the vehicle parked to avoid engine failure and other issues alike with the vehicle. I included the picture of the odometer I took on XXXX as the XXXX was disabled and parked until the direction was given on XXXX XXXX from Carvana LLC and XXXX XXXX via email on how and where to take the XXXX to start having it inspected to be fixed. I included screen shots of the video camera videos I have of the vehicle parked unmoved over the weekend leading to the towing of the vehicle on monday XXXX to the XXXX Shop located at XXXX XXXX XXXX XXXX. XXXX AZ XXXX Phone number XXXX at the expense of myself and my insurance company. Which is just one additional overt negative financial impact brought onto me and my family and now my insurance company XXXX for a problem they should of had clearly acknowledged and fixed prior to even listing for sale beyond their 150 pt supposed inspection. On monday XXXX I also took it upon myself to exhaust my freedom of speach and freedom of press leading to the exhaustion of my freedom of expression and made posts on XXXX to highlight the nature of my experiece so far and embelish that I still had faith in a formal resolve. The online agent on XXXX requested direct message via DM and I did as you see screen shotted only to eventually not get anywhere when they over promised to keep in touch with their teams to escallate this issue and see it thru. This conversation was further noted over the next week up until i lost faith in their escallation efforts, if any. Which it will be evident as to why by the time I fully explained my whole story. I further included pictures showing the time and date of the video screen shots showing the vehicle no longer in my parking lot after being towed to XXXX on Monday XXXX at approx XXXX that afternoon. I then was in clear communication with XXXX awaiting for tuesday XXXX just for the inspector to be present on duty to inspect the vehicle and once I was able to get affirmation as to the problems I was repeatedly told XXXX mechanics they would contact XXXX XXXX to explain the needed fixes and from that point on I kept calling day over day only to find out that they were still waiting for the GreenLight as they call it to even start the work once fully approved. I called XXXX that week before and was advised simply they would make sure it all gets across to XXXX as needed which at this time now as I write this I see that as clear over promise of a resolution to my escallated situation. Come around Wed. XXXX I was told by the mechanics it seems all is well and by thursday XXXX I called and was told by the other mechanic whom was telling me he wasnt sure what i was told and that he is still waiting on the green light now that they so far have communicated everything to XXXX XXXX. By this time the mechanic at XXXX told me " so far thats all the problems, so far, that they are able to determine but man they sold you one heck of a Lemon '' which I have recorded video-audio of the XXXX mechanics stated to me that these problems shouldnt be occuring this early in the vehicles life and its a clear red flag for bigger and worse problems soon down the line and that the fix now would of been {$1400.00} out of my pocket if the Warantee was not covering it and to pretty much expect more major problems down the line which basically leads me to conclude in Carvana LLC selling this vehicle with these obvious unadvertised unaddressed and heavily neglected issues clearly there actions violated AZ Lemon Laws, Truth in Lending, Consumer Financial Protection Act, ECOA Equal Credit Opportunity Act, and have successfully crucified me and my family financially now and in the future now that I can firmly expect to experience bigger issues with no telling whether XXXX XXXX will cover all the needed repair costs, but the base principle beyond that point is this vehicle that obviously real mechanics can easily identify and acknowledge major problems with should of been fixed prior to listing for sale and or sold as a fully operational vehicle as it was advertised to be. Its also apparent that Carvana LLC never fully inspected this vehicle as advertised to of been XXXX nor cared to acknowledge the issues that were clearly existent to even non mechanics let alone the XXXX XXXX mechanics well before this vehicle was listed for sale. As mentioned before and now with the input of the XXXX XXXX mechanics taken into account its evident that I may be soon faced with loosing my jobs in the near future as result of their overt violations and actions, negligent care of, and lack of policy escallation guidelines and appropriate remedies thereof leaving me without reliable transportation which Carvana LLC heavily and falsly promotes with thier overpromised advertising of the HIGH quality of their products/vehicles and inspection standards. This is an overt impact I may incur soon enough resulting from expected major breakdowns as clearly anticipated by XXXX mechanics for this very XXXX and the nature of the problems this early in life and their length of experience to back up such claims. Now in attempting to escalate this issue within Carvana LLC I only was able to obtain apology after apology and a slight 2 day extension to my return period whereas they refused to get me in touch with a manager repeatedly claiming to be senior representatives and they have the authority of managers when clearly they lacked the competency of such authority as shown in their lack of efforts in escalating my situation as needed. This taking place among my many communications via email, Social Media, and Call ins to support line representatives within Carvana LLC and additionally my call into XXXX XXXX encompassing the over promises of a full expeditious resolve of a problem that should of first and foremost never been a problem prior to advertising with intent to sale a product to the general public of consumers let alone the finalization of a sale with expressed knowledge of such issues. This substantiates itself seeing as how still to this very day I am left without a operable vehicle that is still in the shop without even having the work started after the shop having the vehicle for 7 days and with XXXX XXXX having plenty of room and personel to process the approval to give the XXXX shops mechanics the green light to start the work. Furthermore I later in the week on XXXX recieve a call from Carvana LLC Agents and on the same day at XXXX I recieve an email stating my 7 day return period is on its 6th day and almost expired. This poses a great deal of conflict, concern, and confusion as a result of how the online portal displays provided the two day extension timeline I thought which ended on XXXX. I then call back to carvana llc to see if they were possibly calling with an update to my apparently not escalated situation/complaint/issue only to find this out as to why they called to explain that my last day of my return period is here and then I further expressed my concern over the presiding issues and again only received apology after apology and further insult to injury saying that I can return the vehicle still for another. I then called XXXX XXXX back and followed up only to find nothing has again been updated or approved and I explained to them that im almost outside my grace period and was told they will follow up with XXXX XXXX yet again. Mind you this is a vehicle i truly never had a chance to drive beyond the test drive let alone the fact that its been sitting unfixed in the XXXX shop for days waiting for the greenlight that since has still never been given. Now here we are on XX/XX/XXXX both XXXX Shop and XXXX XXXX have been closed since closing on Saturday XXXX and I have no follow up from anyone and still my vehicle has not recieved the formal approval as requested by XXXX days ago to start the repairs and my original return period and my 2 day extension has officially expired as shown in the screen shots and I now have been stuck with a broken disabled vehicle that Carvana LLC financed thru in house financing thru XXXX since day one. This leaves me no other choice as to follow thru with my formal complaint. If needed provided the lack of sufficient resolve per my expectations which will be to the fullest extent of the laws regulating such transactions then I will be left no choice but to follow thru with contacting my attorney to file a formal civil litigation law suit to pursue my claims in addition to the punitive damages incurred and soon to be incurred down the line as a result of Carvana LLC and its Affiliates overt actions and clear malicious intentions. Me and my family are now left without a vehicle having to walk in excessive heat to handle my normal family obligations, or pay excessive tolls to take XXXX rides, and for many this would already have been a total loss of their job, or other heavy gravity consequences at that hands of Carvana LLC, XXXX, XXXX XXXX, and their employees. As I have told Carvana LLC in many forms of communication apologies dont explain to a persons boss why an employee isnt reliably available and on time or able to hold their end of their own obligations because he cant get to work to fufill his responsibilities. I am left only to firmly believe and firmly can prove Carvana LLC in addition to its affiliates commited overt consumer fraud against me and in doing so severly violated Consumer Finacial Protection Act, UDAAP, Truth in Lending Act, ECOA, and AZ Lemon Laws blatantly robbing me of my {$2900.00} Down Payment I paid and has posted as a debit to my account for such. Above all the vehicle is still unfixed in the shop and out of my posession to even fathom a return if I chose to do so, and still XXXX has no formal approval from XXXX XXXX to Fix the Vehicle. Me and my family as I described to Carvana LLC shouldnt have to sacrifice our choice of vehicle because they chose to DECEPTIVELY FALSIFY their advertisements and FAILED to fully address and fix the blatant issues I am having addressed in the mechanic shop now which again still havent been granted approval by XXXX XXXX to even start the repairs, and clearly shouldnt have been a problem in the first place before they list a product for sale as fully operable in all areas per their own inspection and details within the advertisement page online. I can only come to one conclusion from my experience, understanding of the presiding laws, and the nature of conduct/gravity of their violations
09/19/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AZ XXXXX	Web
Please Refer to Opening Letter PDF for full briefing on NEW ISSUES being disputed against Carvana. Second CFPB Complaint against Carvana By : XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - NEW COMPLAINT ISSUES ADDRESSED -Mass Title Fraud/Curbing-Curbstoning ( non emission certified - vehicle sales ) - -Mass Tax Fraud/Evasion and Fair Trade Law Violations- -Mass Consumer Void/Fraudulent Non Compliant Loan Agreement Establishment Scheme- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - First and Foremost I thank you again for considering my filings in regards to my second complaint. Non the less my new CFPB complaint is, for the record, based entirely on different direct issues/violations/fraud beyond my orinigal complaints issues that Carvana chose to deceptively respond to on XXXX. Carvanas XXXX CFPB response proving to be the same exact malignant response given to the Arizona Better Business Bureau by Carvana on XXXX in a response to my complaint filed with XXXX on XXXX. This sadly if without further enforcement by the CFPB enabled/enables Carvana and its Affilliates to gain a " legal arm and XXXX '' over the regulating CFPB Bureau for leading the Bureau to blindly accomplice, skirting into secrecy, the continuation of Carvana 's and its Affilliates conspiracy to commit fraudulent acts against consumers and businessess alike soley for personal gain! Instead I patiently hold firm in faith of our regulators and their efforts in prevention of malignant efforts such as those expressed blatantly by Carvana and its Affilliates. In light of my previous " UNRESOLVED '' CFPB Complaint ID XXXX filed XXXX and rather untimely and deceptively responded to by Carvana on XXXX. Shortly after filing my initial complaints on XXXX it was only then on XXXX that I firmly learned, was made fully knoweldeable of, and I additionally exploited/documented unrefuteably Carvana 's and its affilliates XXXX XXXX XXXX XXXX and XXXX XXXX 's ( In house lender ) OVERT ILLEGAL TITLE FRAUD-CURBING/CURBSTONING led lending and selling practice of faulty and unfit " XXXX '' vehicles not emissions certified to the public after transporting many of the vehicles into Arizona from out of state. These actions committed by Carvana and its affilliates in severe and malignant violation of AZ Department of Transportation Emissions and Air Quality Laws ( Arizona Revised Statute, Title 28, Chapter 10 ). See Below.. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - AZ Department of Transportation Office of Inspector General Site Link - https : //azdot.gov/motor-vehicles/enforcement/office-inspector-general Dealer / Title Fraud Investigations The Dealer / Title Fraud Unit is responsible for investigating complaints concerning both licensed and unlicensed automobile dealers as regulated by Arizona Revised Statutes, Title 28 , Chapter 10. This includes all aspects of dealer issues from vehicles not emission tested by the dealer prior to the sale of the vehicle to curbing, a term utilized to describe someone illegally selling vehicles without the proper XXXX dealer license. These detectives also conduct investigations surrounding odometer fraud, title fraud and driver license fraud. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Additionally these actions committed by Carvana and its Affilliates have proven to be malicious and malignant with intentions to cause varying overt harmful impacts exponentially onto the mislead by false advertisement unsuspecting generally public of consumer used auto shoppers and local competing businessess sharing similar market interests. Ultimately these actions lead to the establishment of void loan agreements generated by conducting fraudulent and misleading activities to achieve customer agreement. These ongoing activities are just as Carvana and its Affilliates had done to me in my becoming a victim of their ongoing fraudulent operations by purchasing my non AZ emissions certified Jeep on XXXX that has since been confirmed to be a severe XXXX in violation of AZ XXXX Laws by their own partner mechanics. They continue to sell vehicles without emissions testing only to have vehicles repeatedly end up XXXX in the repair shop as many bureau and non bureau complaints dispute. Whereas the principal at hand even if the vehicle then gets repair it was still illegally sold and Carvana and its Affilliates XXXX XXXX and XXXX XXXX XXXX Warrantee established an illegal loan from day one without proper certification to even allow the " legal '' dealer sale of a vehicle and thats the bottom line as the law clearly defines. For lack of better phrasing Carvana and its Affilliates are acting as a vehicle auction while assuming the face of a traditional dealer but instead failing to follow the core requirements for lawful dealership businessess engaged in commercial sale of automotive vehicles used or new. With my newfound knowledge of the presiding laws Carvana continues to violate on a mass scale I realize that everything about carvanas used car buying process and operations is a fraud scheme and mass conspiracy to commit CONSUMER/TAX/SECURITIES FRAUD led by their ongoing TITLE FRAUD/CURBING-CURBSTONING of vehicles which I now have unrefuteably proven as you will see within my files. Especially my files showing other XXXX AZ curbed/curbstoned vehicles non emissions certified which were recently sold between XXXX of XXXX just as my XXXX was. It goes without saying that from carvana failing to repair, certify, and license vehicles appropriately Carvana and its Affilliates also cause harm to the State and Federal Government by eluding mandated ordinance, taxes, and fees therefore EVADING TAXATION. Not to elude from the many other severe laws and regulatory violations surrounding Carvana and its affilliates conspiracy to commit and the committing of the acts of Fraud on such a grand scale. The Fraudulent curbing of vehicles is also often if not always also coordinated with TAX FRAUD/EVASION seeing as how Carvana and its affilliates conpsire together it leads me to prove well beyond the grounds of presumption that this stands as a coordinated effort amongst themselves to wash/launder money in a fashion leading efforts of evading taxes and detection in the process. All while causing severe regulatory disruption and repetitious FAIR TRADE LAW VIOLATIONS by XXXX unfair competition amongst the market in turn hurting other businessess and in doing so effecting the level of taxable revenue generated from honest business sales within other dealerships those of whom who follow all applicable laws govering their activities. Carvana and Its Affilliates logs, file data, docments both past and present representing the sale of Carvanas used vehicles VIN numbers in comparison to the AZ Department of Transportation and other statewide Emissions Records database and you will easily see how many vehicles are listed for sale, sold, or pending a sale throughout their listings without emissions records from AZ just as I have shown you in my additional evidence files. I rest my case and complaints as proven! I also strongly encourage the coordination of CFPB with the AZ Department of Transportation Office of Inspector General as needed in addition to all other regulating bureaus and agencies. To better locate the vehicles that less than perfect credit customers Carvana and its Affilliates target and get to choose from. You can sort their website www.carvana.com and sort all vehicles from LOW to HIGH in price. Those vehicles would fall into the lowest range in down payment and lowest overall amount financed before down payment and overall cost go way up down the list for customers with low credit. You can search at the beginning of the list and find vin numbers and use the az dot site free emissions state database records search to go thru one vehicle after another and find a plethora of non emissions certified vehicles and at the near end of the list you will find the list of pending sale/sold vehicles no longer avail and if you do a similar search on vin numbers for vehicles on the lower spectrum of cost and again you will find the same results as difinitive proof. Beyond these facts you also have Carvanas history business documents, file data, and my overall documented first hand experience in living out and proving my other complaints. Regarding the unresolved XXXX complaint under complaint ID XXXX that has not been finalized as of yet since I have been able to further support my defense with my additional evidence filings I was unable to further provide the CFPB during the first complaint process undergone. In addition it seems there is an EXTENDED REVIEW being conducted by the XXXX regarding Carvanas malignant response that is preventing me from even still now being able to formally reply via their website as I have been trying to do since being provided the contradictive response from Carvana on XXXX. With that said in short I am waiting to provide my response to Carvanas secondary misleading response provided XXXX embelishing purjurious timelines contradictive to the first series as filed on XXXX and XXXX in their response to my original complaints with XXXX and CFPB. In the meantime I with to pursue my additional CFPB complaint and additional resolutions sought thereof regarding the new issues as described surrounding the Title Fraud/Tax Fraud/Curbing-Curbstoning of vehicles carelessly against strict AZ State law and regulation surrounding dealership used auto car sales requirements. Especially those requirements required for out of state vehicles transported into AZ for dealer sale as most of the vehicles on their site under AZ location have been and still without emissions certification! Thank you again for allowing me to voice out my complaint in hopes of gaining my desired resolution before being forced to pursue costly civil litigation resulting in a judge mandate awarding of such onto me including the additional PUNITIVE DAMAGES! Never the less thank you again in advance for allowing my new additional complaint and its presiding newly discovered issues to be heard, fully investigated, and resolved. Included will be files documents, and video evidence not originally available on XXXX along with my original complaint ID XXXX initially surrounding " Getting a Loan or Lease '' Sub Issue - " Fraudulent Loan '' directly associated to ISSUES ABOUT Carvana and its Affilliates malignant overt Violations of UDAAP Unfair Deceptive Acts and Practices, Truth in Lending laws/regulations, Consumer Financial Protection Act and Dodd-Frank Act, Equal Credit Opportunity Act ECOA, and AZ XXXX Laws. In conclusion I reiterate that I wholeheartedly expect this new CFPB complaint to be taken as a new complaint regarding new different core issues/law violations in its entirety surrounding Carvanas massive consumer fraud conspiracy with its affilliates XXXX XXXX and XXXX XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX
11/08/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MI 480XX	Web
I am writing this letter and complaint regarding the recent horrifying car buying experience I have had with the Online Car Dealership Carvana.com. I am not a new customer this is my 2nd time around dealing with Carvana with a car purchasing experience and neither 1st nor 2nd experience with Carvana has been a pleasant one which leads to the point of typing and filing this complaint against their company. XX/XX/2018 I went online to attempt to consider purchasing another car, and decided to trade the XXXX XXXX with ( XXXX miles ) I purchased from Carvana last year in XXXX back in through them this time around in XXXX. Went online provided Carvana the Accurate pay off information XXXX, submitted the trade in appraisal information the Finance Company XXXX XXXX who holds the lien loan information on the vehicle. Carvana website calculated my information came back with a trade in credit of XXXX valuing the XXXX XXXX, paying off the XXXX pay off and applied the XXXX as a trade credit towards the New XXXX XXXX XXXX XXXX XXXX principal balance, and the pay amount for the XXXX XXXX which Carvana states left a - $ XXXX-pay off balance on my loan. In which left me in amazement, I then made a phone call to Carvana after submitting my check stubs, drivers licenses, and registration for the trade all to be verified thru their verifications department. XX/XX/XXXX Spoke with Representative Name XXXX, in which she verified all my information was correct and submitted, verified that Carvana had the 10 days pay off for the XXXX XXXX and yes everything looked good to go. I waited a day thought about the deal called Carvana back a second time because this was just too good to be true. XX/XX/XXXX I then reached an agent by the name of XXXX in which she works in the solutions department and asked XXXX to give me step by step break down of the deal and why they were offering to pay off my loan and giving my pay off amount back as a trade credit towards the XXXX. XXXX verified the information in the system once again, told me that Carvana would pay off the - {$15.00} that was left on my loan after they applied the credit, would then give that XXXX as a trade in credit towards the XXXX which would bring my financing term for the new vehicle out at XXXX. Selling price for the XXXX XXXX XXXX XXXX was XXXX XXXX XXXX ( extended Warranty 100,000 mile thru Carvana =XXXX ( 317 Monthly Payment ) financed out the door. After Speaking with the verifications department, I was told under writing team would review my deal, verify my pay off information with the finance company if everything checks out the deal would be approved. XX/XX/XXXX, I received an email from the Carvana underwriting department informing me that my Deal had been approved and that they were going to proceed with scheduling delivery of my vehicle to me, in which was set originally for 7-day delivery. Also on XX/XX/XXXX received an email from the logistics department apologizing stating they had to delay delivery of my vehicle and I wouldnt get it until XX/XX/XXXX due to the transfer truck missing the pickup of my vehicle from Arizona where the Inspection center is located. Called Carvana to change the date again verified again with XXXX a 2nd time that all the information was correct the underwriting team did in fact approve me and everything was good to go, ( confirmed by XXXX ). XX/XX/XXXX arrives Carvana delivers me the XXXX XXXX XXXX XXXX and take possession of my XXXX XXXX XXXX XXXX XXXX sport signed final contracts for buying the new vehicle singed the title to the XXXX, and also signed the title to the XXXX over to Carvana. I took the XXXX Carvana pulls off with the XXXX all is good. Upon getting the new vehicle, I called in because there was a discrepancy with me not having the title to Carvana in which Carvana then advised me to drop off my title to the XXXX at their Hub location ( XXXX XXXX ) ( Carvana Hub ) here In XXXX Michigan. While on that phone call the representative XXXX stated that there was system error mistake made on carvanas part in which my trade in value was miscalculated via their system and that they would own this mistake go ahead and pay off the XXXX and I was told to enjoy my XXXX. XX/XX/XXXX after speaking with XXXX, XXXX Solutions Supervisor called me back and stated I needed to submit XXXX down payment or they were confiscate my vehicle under Repossession Purposes. In which the title was signed over to the XXXX and the title for me taking the XXXX was signed on my part and signed by Carvana ( XX/XX/XXXX ). Now Carvana is accusing me of defrauding their company and submitting false information through my car buying process for the new XXXX Vehicle, in which all my information was correct and Carvana verified the information was correct via their verifications department as well as their underwriting team over the phone and by email. Defrauding the company accusations are bogus due to me being a returning customer, that was already buying a car from Carvana and financing loan thru their in-house financing department ( XXXX XXXX ) in which they have all this information pertaining my current loan and pay off information for the vehicle that was traded back into Carvana in their systems 100 %. I have received a letter and phone threats from their company accusing me of fraud threatening to repossess the car I am currently 4 months ahead on in payments, if I dont surrender the Vehicle due to this Mistake that their underwriting department had made. They are offering me XXXX payments for their mistake in which I dont understand why they are offering to pay me money when they are accusing me of fraud and providing false car buying information. Carvana is holding my plates which the temp plate on my new vehicle has expired as of XX/XX/XXXX neither has the car been registered in the state of Michigan where I am now a 6 Year resident and it has been now over 120 days since this whole deal took place and my contract agreement has been into effect. Ive had possession of my new vehicle since XXXX XXXX. Carvana is now requesting I provide them a XXXX-down payment to stay in my XXXX and XXXX a month car payment in which will not agree to because this would reconstruct my financing terms for the new vehicle and cause a catastrophic strain in my finances that were already worked out and planned via the new agreement with the XXXX and approved by underwriting. Upon trading in the XXXX the car payment were a month ahead and now since I have been going through this ordeal my loan on the XXXX is Default and now affecting my credit report and score. Carvana is now making threats to not pay off my XXXX XXXX in which a Purchase agreement was signed that they would, and also threating to repossess the XXXX I am in possession of and Current on Payments 5 months in advance. I am now attempting to negotiate so that I do not have to seek legal Counsel, during the negotiation process Carvana is not living up to their Mistake in this matter and placing the blame on me the returning customer as if I purposely put myself through this emotional and physically stressful situation. XXXX XXXX is my point of contact the solutions supervisor I am now going back and forth with pleading with Carvana to make this right. XXXX has also placed blame on myself through this entire process but did admit to the system error and also admitted to not verifying any of my information before opening a new loan in my name with XXXX XXXX XXXX, also stated that Carvana would be seeking legal action against me If I will not Voluntarily Surrender my Vehicle to their company! I spoke with XXXX XXXX again on XX/XX/XXXX in which he stated to me since I will not agree with any of the offers they have made and wont sign the NDA agreement they will forcibly repossess my car Drop the XXXX XXXX on in front of my House and Then XXXX Me the Keys and I am like this has to be a complete Joke!!! I have filed complaints with the XXXX of Arizona and Michigan, Attorneys Generals Office of Arizona, Georgia, and Michigan. I am sure Carvana shareholders and investors would like to know how their underwriting department could make this type of mistake and then turn around blame me the consumer for defrauding their company when Carvana assured me everything was all good to go and delivered me my new Vehicle. I have stated to Carvana several times I have no problem with returning them their XXXX and obtaining the XXXX XXXX but it will be under fair terms in which I am in agreement with as the consumer and person suffering gravely the consequences behind carvanas underwriting department HUGE MISTAKE. It is now XX/XX/XXXX and this issues is still not resolved and XXXX XXXX stated to me at this point they will not be compensating me and they will be moving forward with the repossession and drop off the vehicle I traded in which is completely against the law and considered auto theft by dealer in the state of Michigan. As of XX/XX/XXXX Carvana moved in their course of action and Repossessed the XXXX XXXX XXXX XXXX which now they have both the XXXX XXXX XXXX and the XXXX XXXX XXXX in their possession. I have had several writing communications with their legal department to attempt to resolve this issue before seeking legal counsel but do to Carvana request for me to sign a Non-Disclosure Confidentially Agreement without reasonable terms Ive asked for I am seeking legal counsel. We can not come to a reasonable or fair agreement on placing me back into the traded in XXXX XXXX due to my argument that the car has been sitting now for 5 months in Carvanas hand in which I do not trust their company. I have asked for a warranty to cover me from the trade in mileage XXXX to XXXX miles in which Carvana declines. As of XX/XX/XXXX, I received an email from the customer advocate department explaining to me that XXXX XXXX would be picking up the trade in if I will not surrender to their terms and placing it on my credit as a repossession. I can not understand how legally this is possible when theyve been in possession since XX/XX/XXXX and reporting this as a negative payment as if I have not been making payment on the vehicle. I look forward to hearing from someone from your agency regarding assistance with resolving this issue with their company! Contact : Email XXXX XXXX Attached are Documents Supporting My Complaint
05/21/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CA 91733	Web
To Whom it May Concern, Statement of Facts On XX/XX/XXXX I received an approval for a car loan through your website. I applied online at Carvana.com and your website indicated the following APPROVAL : {$300.00} cash down and Monthly payment of {$550.00} and the total amount financed {$22000.00}. I called today XX/XX/XXXX and spoke with XXXX XXXX ( Underwriter ) at about XXXX. She informed me that my XXXX per Carvana Policy is they do not accept short term XXXX applicants because they dont know when it ends, and if youre returning to work or not ; and on that basis, I was denied. I explained that I am still employed, and it was against the law to solely deny me for receiving governmental short-term XXXX due to an injury/illness. After, speaking with XXXX XXXX ( underwriter ) she advise me to submit my paycheck stubs which I uploaded to your website. I called again and spoke with XXXX XXXX on XX/XX/XXXX at XXXX she informed me of the same issue with short-term XXXX. Then she proceeded to inform me that my checks were not accepted because they are not within the last 35 days. She further explained that on this basis and short-term XXXX I was denied, however no adverse letter is sent out to the consumer advising of the denial. She informed me they do it verbally and that is the way Carvana does as a business in their everyday course of business, and how they were trained. The problem I have is that I signed a contract online, and after the fact they are now saying I am denied. I am a consumer and the two representatives I spoke with were reluctant, provided misleading and false information regarding the approval when asked if they could provide the address to Corporate or Legal department, the first representative declined and the second person I spoke with XXXX XXXX asked why I needed it and was reluctant to provide it. Which constitutes fraud, conspiracy to commit fraud, deceit, falsely provide misleading information. I am requesting that the law be applied and followed accordingly or that you give me a written statement that is conspicuously clear and in accordance with regulations of the Bureau. Be it known : The Conditional Acceptance to your Offer establishes a Common Law- contract between us under the Postal Rule, which states : The postal rule ( also known as the mailbox rule or deposited acceptance rule ) is a term of common law-contracts which determines the timing of acceptance of an offer when mail is contemplated as the medium acceptance. The general principle is that a contract is formed when acceptance is actually communicated to the offeror. The mailbox rule is an exception to the general principle. The mailbox rule provides that the contract is formed when a properly prepaid and properly addressed letter of acceptance is posted. One rational given for the rule is that the offeror nominates the post office as implied agent and thus receipt of the acceptance by the post office is regarded as that of the offeree. The main effect of the mailbox rule is that the risk of acceptance being delivered late or lost in the post is placed upon the offeror. If the offeror is reluctant to accept the risk, he can always require actual receipt before being legally bound. Pertinent Law ( s ) : 15 USC 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) Gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) Uses any chart or table authorized by the Bureau under section 1606 of this tile in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) Otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 15 USC 1612. Effect on government agencies ( a ) Consultation requirements respecting compliance of credit instruments issues to participating creditor. Any department or agency of the United States which administers a credit program in which it extends, insures, or guarantees consumer credit and in which it provides instruments to a creditor which contain any disclosures required by this subchapter shall, prior to the issuance or continued use of such instruments, consult with the Bureau to assure that such instruments comply with this subchapter. 15 USC 1605. Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 15 USC 1691. ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) On the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any under this chapter. ( d ) Reason for adverse action ; procedure applicable; adverse action defined ( 1 ) Within thirty days ( or such longer reasonable time as specified in regulations of the Bureau for any class of credit transaction ) after receipt of a completed application for credit, a creditor shall notify applicant of its action on the application. ( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies his obligation by ( A ) Providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken ; or ( B ) giving written notifications of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reason confirmed in writing on written request. ( 3 ) A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken. ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. 15 USC 1691c. Administrative enforcement ( a ) Enforcing agencies Subject to subtitle B of the Consumer Protection Financial Protection Act of 2010 [ 1 ] with [ 2 ] the requirements imposed under this subchapter shall be enforced under : ( 9 ) Subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau, with respect to any person subject to this subchapter. 15 USC 1681a ( d ) ( 2 ) ( a ) ( iii ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 12 USC 1431-BANKS CANT LOAN YOU MONEY BECAUSE THERE THE BORROWERS. 42 USC 404-ASKING FOR YOUR SS # ON ANY CREDIT TRANSACTION OR A LOAN IS UNLAWFUL AND CRIMINAL. 15 USC 1602g WE THE CONSUMERS ARE THE CREDITORS UCC 3-104 EXPLAINS WHAT A NEGOTIABLE INSTRUMENT IS
11/21/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30318	Web
I placed an order online for Carvana with the understanding that I was getting a loan. The car was a XXXX XXXX XXXX XXXX The car price was XXXX. I also received a limited warranty of XXXX days or XXXX miles. This loan did not include insurance. I made a down payment of XXXX. I later found out this was not a loan and corporations can not lend me money. I have paid monthly payments since XX/XX/XXXX until present. I have sent a notice to the CEO of Carvana. CFO of XXXX and registered agent per their SEC filing. XXXX sold me the car, XXXX was the warranty company, and XXXX was the servicer. More Context : In context, I applied for a consumer credit product for vehicle with VIN # XXXX, a XXXX Red XXXX Model XXXX with the understanding that I was responsible for the debt based on a loan given from your company Carvana serviced by XXXX. The amount of that loan which included the sale prices and finance charges was {$50000.00}. This, according to your company, did not include insurance and included all necessary finance charges. Debts, loans, non- all inclusive finance charges, are all illegal pursuant to XXXX U.S.C XXXX. Having had this car in my possession for XXXX months, I also was not aware that I was not responsible for paying monthly car payments as a debtor in the amount of XXXX plus XXXX monthly for XXXX months and recently missing XXXX payments. I purposefully missed the $ which I will explain shortly why it was omitted. The total amount of payments so far is XXXX plus the XXXX down payment plus delivery services fees. Down payments are illegal and tendering payments in any other form other than gold is illegal. Also, accepting ACH is illegal. Charging me monthly fees with the expectation of payment is illegal and taking adverse action against me through verbal or written threats, repossession, and any other intimidation methods is illegal. My debt was already paid for when the XXXX XXXX XXXX extinguished, gold and silver is the only tenders of payments. XXXX U.S. Code XXXX. Payment of obligations and interest on the public debt ( a ) The faith of the XXXX XXXX XXXX is pledged to pay, in legal tender, principal and interest on the obligations of the Government. Furthermore, the symbol or character, " $ '', is not defined anywhere in legislation and is, therefore, a violation of XXXX USC XXXXe ( XXXX ) ( A ). I was not aware of was that the XXXX XXXX XXXX should have been for as long as I owned the car and not just the XXXX days or XXXX miles as stated in the buyer 's guide. Nor was I made aware of all of my insurance options. Not informing me of this fact is illegal I read all of their privacy policies and it says they gather information from third-party sources to make determinations about me, my credit determination, and my account along with sharing my information personally identifiable and anything else you deem fit to them. I found out not only is that illegal but it's violating my rights Pursuant to XXXX U.S. Code XXXXA - Aggravated identity theft. Collusion is present when you created your family of companies, as all addressees are subsidiaries or sister-related companies per SEC and SOS filings, while separate in name and operation, your officers serve on the boards and have signing powers within each company. The use of consumer disclosures not direct to the person being considered is illegal. You did not ask someone who knew me personally about my spending habits and as a result, you charged me higher interest rates and that is illegal. All of the above are examples of fraud, false misrepresentation, conversion, RICO, breach of contract, and collusion is pursuant to XXXX U.S. Code XXXX - Frauds and swindles is the appropriate statute. Your combined organizations within RICO alone fit under these auspices : The RICO civil provisions contain XXXX basic elements : injury, person, enterprise, pattern of racketeering activity, and interstate or foreign commerce and at least the ones mention in the previous paragraph fit under their XXXX of XXXX law. Notice, it is a Fact, that, The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Notice, it is a Fact, that, Deceptive forms [ XXXX USC XXXXj ] ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Notice, it is a Fact, that, False and misleading representations [ XXXX USC XXXXe ] ( Exhibit M ) ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( XXXX ) The false representation or implication that documents are legal process. ( XXXX ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. Notice, it is a Fact, that, Fictitious Obligations [ XXXX USC XXXX ] : ( XXXX ) utilizes interstate or foreign commerce, including the use of the mails or wire, radio, or other electronic communication, to transmit, transport, ship, move, transfer, or attempts or causes the same, to, from, or through the United States. Any false or fictitious instrument, document, or other item appearing, representing, purporting, or contriving through scheme or artifice, to be an actual security or other financial instrument issued under the authority of the United States, a foreign government, a State or other political subdivision of the United States, or an organization, shall be guilty of a class B felony. Notice, it is a Fact, that, this transaction is definitely a violation of Unfair or deceptive acts or practices in or affecting commerce for not disclosing to me my right to rescind with proper notices, finance charges detailed in full and that you did not loan me money nor credit. [ XXXX USC XXXX ] Definition : Fraud in the inducement occurs when a person tricks another person into signing an agreement to one 's disadvantage by using fraudulent statements and representations. Because fraud negates the meeting of the minds required of a contract, the injured party can seek damages or terminate the contract. Notice, it is a Fact, that, pursuant XXXX U.S. Code XXXXA - Aggravated identity theft : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. In contracts, in order for a contract to have accord and satisfaction there must be offer and acceptance, along with a meeting of the minds. I am the only XXXX who signed this agreement, and you also made a lot of money off of this instrument. This agreement was paid in full with my signature and you never explained that to me. I have every intent to sue and request your GAAP on this account via a forensic audit. I did not agree to cosign and allow you to monetize nor securitize my note. That is illegal pursuant to XXXX CFR XXXX - Unfair or deceptive cosigner practices. XXXX XXXX XXXX ( f ) : Notice, it is a fact, affiant is aware, the term credit means the right granted by I, the original creditor, to a debtor Carvana, XXXX et al to defer payment of the debt or to Carvana, XXXX to incur debt or a loan from the XXXX Treasury and defer its payment. This makes Carvana, XXXX a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction. I, a consumer, came to extend credit as shown in exhibit ( G ) and not receive a loan from the Carvana and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by Carvana, XXXX. I am attaching the cover sheet for the Civil Lawsuit that is prepared to be submitted.
08/05/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30084	Web
I am writing about Retail Purchase Agreement Georgia Stock number : XXXX to inform CARVANA, LLC of the fact I will be using 2022 XXXX XXXX XXXX with VIN # XXXX privately. I am NOT doing commerce with 2022 XXXX XXXXXXXX XXXX Vin # XXXX and will be using it for the private use. I am writing today in good faith that CARVANA AUTO RECIVABLES GRANTOR TRUST XXXX will convenience such interest by the XXXX for XXXX XXXX TRANSACTION with the Stock XXXX he went into with XXXX, XXXX on XXXX, XXXX, 2022 for the delivery date of XXXX. Pursuant to 15 U.S.C 1679 ( a ) ( 2 ) The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes. In stating so XXXX XXXX XXXX extended his consumer credit on the XXXX of XXXX, 2022 transaction for personal, family, or household purposes and nothing more or less and once again not for hire, sale, or commerce. " Personal liberty largely consists of the Right of locomotion -- to go where and when one pleases -- only so far restrained as the Rights of others may make it necessary for the welfare of all other citizens. The Right of the Citizen to travel upon the public highways and to transport his property thereon, by horse drawn carriage, wagon, or automobile, is not a mere privilege which may be permitted or prohibited at will, but the common Right which he has under his Right to life, liberty, and the pursuit of happiness. Under this Constitutional guarantee one may, therefore, under normal conditions, travel at his inclination along the public highways or in public places, and while conducting himself in an orderly and decent manner, neither interfering with nor disturbing another 's Rights, he will be protected, not only in his person, but in his safe conduct. '' II Am.Jur. ( 1st ) Constitutional Law, Sect.329, p.1135 It is an actual fact that XXXX XXXX XXXX has every right to TRAVEL on the public roads without a DRIVER LICENSE CLASS ( C ) since he is merely traveling and not using the Public roads for commerce. As stated on the GEORGIA DEPARTMENT OF DRIVER SERVICES website Class C ( Commercial ) - licenses are issued only if the vehicle is designed to carry sixteen or more passengers ( including the driver ), or utilized to transport hazardous materials in quantities that require a placard. Knowledge and driving skill exams may be required upon initial issuance. ( source : https : //dds.georgia.gov/license-classes # : ~ : text=Class % 20C % 20 ( Commercial ) % 20 % 2D % 20licenses, be % 20required % 20upon % 20initial % 20issuance ). The Grantor will not be carrying sixteen or more people and most definitely not licensed to transport any hazardous materials in any state in which is why he is using it for private travel purposes. Since the Grantor is using it for private travel purposes and not commerce in which is the reason of not needing to register 2022 XXXX XXXX XXXX VIN # XXXX with the GEORGIA DEPARTMENT OF REVENUE ( GEORGIA DEPARTMENT OF DRIVER SERVICES ). Pursuant to Tile 26-INTERNAL REVENUE CODE 7001 ( a ) Every person engaged in any trade or business on which a special tax is imposed by law shall register with the Secretary his name or style, place of residence, trade or business, and the place where such trade or business is to be carried on. In case of a firm or company, the names of the several persons constituting the same, and the places of residence, shall be so registered. In which the Grantor is not using such 2022 XXXX XXXX XXXX VIN # XXXX for any trade or business but for private use only to travel on the public roads. Furthermore, it is an actual fact that the Grantor has an Security Interest in which secures payment or performance of an obligation of Stock Number : XXXX for 2022 XXXX XXXX XXXX VIN # XXXX to U.C.C 1-201 ( b ) ( 35 ) Security interest means an interest in personal property or fixtures which secures payment or performance of an obligation. Security interest includes any interest of a consignor and a buyer of accounts, chattel paper, a payment intangible, or a promissory note in a transaction that is subject to Article 9. Security interest does not include the special property interest of a buyer of goods on identification of those goods to a contract for sale under Section 2-505, the right of a seller or lessor of goods under Article 2 or 2A to retain or acquire possession of the goods is not a " security interest '', but a seller or lessor may also acquire a " security interest '' by complying with Article 9. The retention or reservation of title by a seller of goods notwithstanding shipment or delivery to the buyer under Section 2-401 is limited in effect to a reservation of a " security interest. '' Whether a transaction in the form of a lease creates a " security interest '' is determined pursuant to Section 1-203. Proof of so is XXXX XXXX XXXX name, place of domicile, and amount financed on Retail Installment Contract and Security Agreement. In which with Grantors name is evidence of his right of possession of 2022 XXXX XXXXXXXX XXXX VIN # XXXX with Stock number : XXXX in which is a Promissory Note. Pursuant to U.C.C. 3-104 ( a ) Except as provided in subsections ( c ) and ( d ), " negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time; and ( 3 ) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain ( i ) an undertaking or power to give, maintain, or protect collateral to secure payment, ( ii ) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or ( iii ) a waiver of the benefit of any law intended for the advantage or protection of an obligor. In which this Retail Installment Contract and Security Agreement, is a promise to pay. Evidence of so is in the Sales Agreement sections that sates Payment. You promise to pay us the principal amount of {$24000.00} plus finance charges accruing on the unpaid balance at the rate of 27.900 % per year from the date of this Contract until maturity. After maturity, or after you default and we demand payment, we will charge at 27.900 % per year. You agree to pay this Contract according to the payment schedule and late charge provisions shown in the Truth-In-Lending Disclosure. You also agree to pay any additional amounts according to the terms and conditions of this Contract. In accordance to U.C.C. 3-203 ( a ) & ( b ) ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.. By CARVANA, LLC transferring this Retail Installment Contract and Security Agreement to XXXX XXXX XXXX XXXX XXXX, 2022 at XXXX XXXX via https : //www.carvana.com/purchase/order-placed? XXXX in DocuSign Envelope ID : XXXX. I sent this response above with CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX but unfortunately the only thing they sent back was a bogus denial letter ( through e-mail and never responding to my letter ) even though I got approved and they took my car I had complete security interest in. As well as CARVANA, LLC was trying to force me to provide them with a driver license because I am not even able to get one because I am not driving 16 or more people or carrying hazardous materials and am just traveling on public roads. In which is the only reason I didn't get this car and not because I got denied as I was approved.
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75034	Web	Servicemember
CFPB, On XX/XX/XXXX I went into a XXXX XXXX XXXX XXXX Branch in XXXX, Tx and spoke to a branch advisor name XXXX to go over over my loan documents regarding my car and excessive interest and late fees, and payment arrangement needing to be made on my account ending in # XXXX which was not honored in the conversation with the representative I spoke with and I was told that I had to wait until my account was past due to set up an arrangement but my account would be notated of the arrangement but was never honored. The Bank has been playing on my cognitive XXXX and taking advantage of me, they have been changing dates, and owed amounts around, as well as charging me late fees where I was never late and making my payments on time. They has been harassing me and making it hard for me to comprehend, retain, and process information without providing me with any documents in the note message box on the online app. and all the information doesnt reflect current and up to date information or anything in writing from there that internal online website. The next conversation was about me selling my car and seeking steps for that process my XXXX XXXX XXXX account ending in # XXXX as it related to my sale offer with XXXX. I also needed to go over all documents regarding my car loan for the XXXX XXXX XXXX as I was advised to sell my car if I wanted to purchase a home. When I purchased the XXXX XXXX XXXX and XXXX XXXX and I didnt understand how I came into purchasing the XXXX XXXX and trading in my XXXX XXXX and all the cost associated with the vehicle especially when I did not sign anything or receive copies and loan documents and contract agreement of what I signed I never had to upload or submit any documentation to even qualify for any loans. No one explained anything to me step by step as I needed and asked about using my reasonable accommodations regarding my Cognitive disadvantages. I was told that all my documents were correct and that XXXX XXXX did not give consumers any original copies of signed documents at all of what I signed but a blank copy. And I also asked about my GAP insurance that I had on my XXXX XXXX of {$290.00} and was told that my insurance was automatically cancelled once I purchased the XXXX XXXX and that the coverage did not transfer over from the XXXX XXXX ( See Attachments ). We also discussed in the branch office in regards to the sell of the XXXX XXXX vehicle what my options were to take care of the negative equity of {$5900.00} that would be owed on the vehicle and they told me that my only option was to that I had to take out a personal expense loan also called a signature loan and go through a Sell Pay Down and to refinance the negative equity that would be left off the sell value of the vehicle from the buyers offer of {$36000.00}. I was advised that I had to fill out the loan application first and that my loan application wouldnt even be accepted until they received the check from XXXX of {$36000.00} first. Conversation # XXXX : The representative was back and forth on and off the phone with customer service one lastly by the name of XXXX advising me as well besides the in branch representative XXXX at the XXXX XXXX XXXX XXXX branch in XXXX, Tx XXXX of what I needed to do with this process and mention to her that I needed to refinance and do a NO MONEY LOAN the negative equity of {$5900.00} well as a personal expense loan or signature loan for the negative equity that would be left over. She also explained and asked me what term of payment I wanted to pay between 6-36 months with XXXX % interest or 36 months with payments as low as {$180.00} or as high as {$210.00} once approved. Status of Loan Application : I was talked into doing a loan and later received a denial of the loan based on an internal review and/or information obtained from my credit report, and that I did not meet their lending criteria for approval. I never received any internal credit reports, any signed documents or copy of personal expense loan application or even never signed anything. I later find out the next few days after going back into the branch that the customer service representative XXXX at the XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX submitted my application loan # XXXX for the whole amount as a personal loan expense with no collateral on XX/XX/XXXX instead of the negative equity amount I was applying for. The whole amount of {$42000.00} was submitted as a refinance of the vehicle instead deceptively which is not what our conversation was about in regards to what NO MONEY LOAN or SELL PAY DOWN negative equity of {$5900.00}. Again I was taking advantage of and mislead about the whole Sell Pay down process when selling a vehicle you currently have a loan with the bank for. My Human rights under the Americans XXXX XXXX have been completely violated. None of the products have been provided for me in writing or offered in my app. Conversation # XXXX I asked about the payment arrangements that was made on my account without my consent and mentioned in the conversation that I had spoke to a representative over the phone previously In regards that I was in the middle of a selling process with my vehicle XXXX XXXX XXXX acct. ending in # XXXX and that I would not be making a payment in XXXX because I was paying it off and I asked about what my options were XXXX XXXX XXXX XXXX has not only violated my XXXX rights and the Federal Law but violated their own policy & procedures of what they stand for and how they are dedicated to helping their members in protecting them in any capacity financially. My experience with them has caused me great XXXX, and XXXX and trigger my medical health condition. The experience with them financially has caused my credit to decline and reporting to the credit bureaus with hard inquiries sabotaging my credit scores. XXXX XXXX XXXX XXXX has not provided me with their internal credit report that determined there decision to deny my personal expense loan known as a XXXX XXXX XXXX 0 % interest on the negative equity of sell of the XXXX XXXX XXXX loan acct. # XXXX THEREFORE, I am demanding a resolution for XXXX XXXX XXXX XXXX to dispute the hard inquiry made on my credit with their internal credit agency system XXXX XXXX, and other credit agencies in mentioning XXXX, XXXX, and XXXX to be removed due to their deceptive act of misinforming me and leading me to apply for a loan. Summary of Rights You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your " file disclosure '' ). I am also requesting for the right to there product to be able to do a SELL PAY DOWN on my vehicle for the negative equity off todays payoff of {$43000.00} from selling price of {$38000.00} in a guarantee letter in writing without doing another hard credit pull and or allow me to sell the vehicle with a payoff offer of {$38000.00} as a total payoff approved and acceptable. Lastly, I am requesting a resolution to work with one person as a XXXX Private Client one on one regarding this selling process XXXX : to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, SPECIAL PROCESSING. You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. IT IS ORDERED.
12/24/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30122	Web
I entered into a consumer credit transaction with XXXX credit company in XXXX of 2021. I went to caravana llc to purchase a XXXX XXXX XXXX. I was happy with my purchase until I realized that there were some violations against me in the contract. I wrote XXXX credit company and carvana informing them of these issues. I exercised my right to rescind this consumer credit transaction that I entered into with XXXX XXXX XXXX according to 12 CFR 1026.23 ( a ) ( 1 ). I took the time to write up the notice of rescission and mailed it to them as the regulation required me to do according to 12 CFR 1026.23 ( a ) ( 2 ). The notice of rescission was delivered to XXXX credit company and the seller carvana on XX/XX/2021. I also spoke with several representatives at XXXX credit company they refused to give me their ID numbers so I can correctly identify them but I informed them of my intent to rescind the consumer credit transaction and I also notified them that the notice was sent and delivered to them via mail. On XX/XX/2021, a third party debt collector named XXXX XXXX XXXX tried to illegally repossessed my vehicle on behalf of XXXX credit company. I was at home when this happened, I informed the debt collector that I had excised my right to rescind this consumer credit transaction and that this would be an illegal repo he was unable to steal my property that day. I was harassed at my place of abode by stranger trying to collect a debt on behalf of XXXX credit company a XXXX the day he showed up to my home I can not remember the exact date but it was in XXXX of 2021. XXXX credit company has also taken adverse action against me by reporting negative information to my consumer report tarnishing my general reputation. The negative reporting of information to my consumer report has made it hard for me to obtain new credit, it has damaged my overall credit capacity and credit worthiness. It has put a strain on my work and family relationship and made it hard for me operate in commerce. I did nothing wrong and have been treated so unfairly XXXX credit company and XXXX XXXX XXXX conspired to deprived of my rights. I'm not sure what I have done wrong in this situation. I have only tried to exercise my rights as a consumer. According to 12 CFR 1026.23 ( a ) ( 3 ) ( i ) If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, I entered into this consumer credit transaction in XXXX of 2021 and I excised my right to rescind the transaction within the 3 years that is given to me since XXXX XXXX XXXX has failed to delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures. According to 12 CFR 1026.23 ( b ), " a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. ( ii ) The consumer 's right to rescind the transaction. ( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( iv ) The effects of rescission, as described in paragraph ( d ) of this section. ( v ) The date the rescission period expires. I was never delivered any notices of my right to rescission or forms to exercise this right by XXXX credit company they willfully and knowingly with forethought withheld this information from me. XXXX credit company also failed to provide me with the designated address to send my notice of rescission to so according to 12 cfr 1026.23 ( a ) ( 2 ) sending the notification of rescission, delivering notification to the person or address to which the consumer has been directed to send, payments constitutes delivery to the creditor. According to 12 cfr 1026.23 ( d ) ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge. XXXX XXXX XXXX has failed to void the security interest created under this contract but I know that excising my right to rescind does not make me liable for any security interest charges created. 12 cfr 1026.23 ( d ) ( 1 ) mentions that 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. XXXX credit company has refused to terminate the security interest created under this contract. 12 cfr 1026.23 ( d ) ( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation. I have only stated the CFR 'S I see here on the CFPB website. I have done everything required for me to do to rescind this consumer credit transaction the correct way but my car was still almost illegally repo 'd. I have submitted several CFPB complains and have been fighting with XXXX credit company ever since. they still send me letters in the mail requiring me to pay them for an alleged debt but there should be no contract seeing that I exercised my right to rescind it. They still call me asking me to make payments after they have refused to abide by cfr regulations and rescind this contract This entire process is very frustrating and has cause me much mental stress and anguish. I am deeply troubled that a financial institution would commit these acts and work with the help of other 3rd party collectors to oppress me. it has now been over 20 days since my notice of rescission was delivered to XXXX credit company. they wrote me back informing me that they would not honor my notice of rescission and they also have defamed my character by taking adverse action against me and reporting negative information to my consumer report. I am just a consumer trying to exercise my rights. XXXX credit company and XXXX XXXX XXXX recovery worked together to conspire against and XXXX credit company deprived me of my rights. I have been violated multiple times. XXXX credit company is in violation of 12 cfr 1026.23 ( a ), 18 usc 242, 15 usc 1692j ,18 usc 241, 15 usc 6802 I have proof to show this. I am writing this complaint today so hopefully someone can investigate this matter before I have to escalate it to federal matter
05/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	VA 22312	Web
Carvana has a policy and practice of engaging in false advertising to induce customers to apply for an auto financing loan. On its website, Carvana tells customers that it will buy out potential customers leases for trade in credit. Internally, Carvana has a policy of not buying out leases, and forcing customers to instead go through a parallel sale and purchase process where they receive less equity for their carand, as a result, are forced to take out a higher loan from Carvana. This complaint below is based on my purchase of a car from Carvana on XX/XX/2022, which I canceled the following day. The screenshots attached were created on XX/XX/XXXX and recreate the information I supplied in connection with my canceled purchase. On XX/XX/2022, I purchased a XXXX XXXX XXXX on Carvana. I chose to finance with Carvana and submitted a credit application to Carvana. In connection with that purchase, I supplied extensive personal and financial information and agreed to allow Carvana to check my credit and background ( which, to the best of my knowledge, it did ) and to draw several thousand dollars from my bank account. I also supplied information about the car I would be trading in as part of the purchase, that it was a lease, and how much the dealer was quoting me to buy out the lease. From that information, Carvana told me that I would receive over {$1400.00} in equity from my lease buy out. This equity was the only reason I purchased from and submitted a credit application to Carvana, since it was several thousand dollars higher than any other dealer was offering. After I completed the purchase, the following morning, I was presented a contact for e-signature that included all of the information I supplied during the purchase process, including that I was trading in a lease. ( I do not have a copy of this contract because Carvana did not email me a copy and removed it from my app after I canceled the purchase. ) Immediately after I signed the contract, I got a new pop up in my Carvana account telling me for the first time that Carvana is unable to take a lease as a trade in, and I was told to call Carvana to discuss my options. That alert also told me that I had only until XXXX the next day ( less than 24 hours ) to address this or I would lose the sale. It took me the better part of the day to actually speak with someone from Caravana. First I called the number provided first thing in the morning, but I was told I had a >30 minute wait. I then tried their chat function, and I got passed from one agent to the next, who would take about 10 minutes to respond once and the disappear. I tried emailing executive customer service from an email address I found on a message board, but no one emailed me back. Finally, I called again late in the afternoon, and after a long wait and being passed off several times I learned the following about Cavranas policy : Carvana will not use a lease as a trade in. I asked where this was on Carvanas website, and I was not supplied with a location. I asked why Carvanas website let me move forward with a trade in with a lease, and I was told I was wrong, though the attached screenshots say otherwise. If I wanted to go forward with the purchase, I would need to sell my car to Carvana , and then once I have the money start a new purchase with Carvana . I asked severa times how long this process would take, but I was not given a clear answer except that each stage would take weeks. This would turn my 9-day purchase to delivery process into a multi week process, where Id be without a car for likely over a week and had no assurance the car I wanted would be there at the end of the process. *Because they would be buying the car from the leaseholder, they apply a different buy out number than the one used to generate my quote. The agent on the phone told me this buy out would be higher than the one I was being quoted. As a result, I would receive less equity ( likely substantially less equity ) for my car-and, consequently, that I would be forced to finance more from Carvana and the payments I would make to Carvana under my financing agreement would be higher. As I said, none of this information was disclosed to me during the purchase process. To the contrary, I told Carvana in detail information about my lease, and Carvana agreed to do a trade in based on my lease. Further, on a support section called TRADING IN & Selling, Carvana says it will buy out a lease, and states only that certain lease companies ( not mine ) do not permit it. https : //www.carvana.com/help/sell-or-trade/will-you-buy-out-my-leased-vehicle. I have spent a lot of time looking for anything on Carvanas website stating that it will not use a lease as a trade in, but could not find anything. This is entirely an undisclosed internal policy that Carvana reveals only after customers have submitted a credit application and signed a contract. In the end, Carvanas false and misleading advertising induced me to submit a credit application I never would have submitted had I been told the truth. Further, Carvana disclosed the policy only after I had done all of this and signed a contract, and told me I had less than 24 hours to change to a different sale policy or I would not be able to purchase the vehicle. Fortunately I realized that this was a bait and switch and Carvana was trying to take advantage of me ; otherwise, I would have been paying more on my loan with Carvana. However, others with a literal counting down clock, the definition of high pressure sales techniques likely did not realize this and were surely tricked into a less valuable, higher cost loan than they otherwise would have agreed to. Carvana is a direct lender to customers who purchase automobiles on their website, and a covered person under 12 USC 5481 ( 6 ). Carvana, further, does not come within the Dodd-Frank Acts exception for auto dealers because it extends retail credit directly to customers for the purchase of motor vehicles and does not assign those loans to third party financial institutions.
05/12/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29229	Web
On XX/XX/2021 I entered into a consumer credit transaction, XXXX XXXX XXXX ( i ) with XXXX, XXXX to purchase a vehicle for personal use. I gave my credit card,XXXX XXXX XXXX ( l XXXX, to XXXX XXXX XXXX , for this credit sale XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accepted my credit card and charged a finance charge of {$11000.00}, which is a discount and the sum of all charges,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX used deceptive and false documents to get a loan in my name to create the false belief that I, the original creditor, owes a debt when this was a consumer credit transaction and XXXX XXXX received full consideration of {$30000.00} from my credit card. This is a direct violation XXXX XXXX XXXX XXXX j ) of federal law. XXXX XXXX did not provide me any disclosures of my right of rescission which is a direct XXXX XXXX XXXX XXXX a ). On XX/XX/2021 I exercised my right of rescission pursuant to XXXX XXXX XXXX XXXX a ) and rescinded the transaction. Pursuant XXXX XXXX XXXX XXXX XXXX ) I am not liable for any finance or other charge, and any security interest that was given, including any such interest arising by operation of law, is now void upon such a rescission. Pursuant to XXXX XXXX XXXX XXXX b ) XXXX XXXX was to return to me any money or property given as earnest money, downpayment, or otherwise, and take any action necessary or appropriate to reflect the termination of any security interest created under the transaction within 20 days after receipt of a notice of rescission. Pursuant to XXXX XXXX XXXX XXXX b ) any property delivered by XXXX XXXX to me, I may retain possession of it upon the performance of XXXX XXXX XXXX obligations under this section, I shall tender the property to the XXXX XXXX, except that if return of the property in kind would be impracticable or inequitable, I shall tender its reasonable value. Tender shall be made at the location of the property or at my residence, at my option. Pursuant to XXXX XXXX XXXX XXXX a ) if XXXX XXXX did not take possession of the property within 20 days after tender by me, ownership of the property vests in me without obligation on my part to pay for it. I mailed my rescission documents to XXXX XXXX on XX/XX/2021 shown in Exhibit G and it was received by XXXX XXXX on XX/XX/2021 shown in Exhibit HXXXX XXXX XXXX has not returned the {$30000.00} that was taken from my credit card. XXXX XXXX has not terminated the security interest that was created. XXXX XXXX did not perform any of their obligations under XXXX XXXX XXXX XXXX b ) within the 20 days and could not take possession of the property with in the 20 days allotted under XXXX XXXX XXXX XXXX b ) in which ownership of the property vests in me. On XX/XX/2021 XXXX XXXX presented documents to me to give them limited power of attorney to act as my agent for the registration on my property stating that this is the only way to register my car in my state which is SC. I signed giving them limited power of attorney on on XX/XX/XXXX. On XX/XX/2021 I revoked the limited power of attorney appointing XXXX XXXX as my agent pursuant to XXXX XXXX probate code Article XXXX XXXX XXXX as shown in Exhibit I, and it was delivered and received by XXXX XXXX on XX/XX/2021 as shown in Exhibit H. On XX/XX/2021 I sent a Rejection Notice of the arbitration agreement to the alleged contract to XXXX XXXX as shown in Exhibit F. It was delivered and received by XXXX XXXX on XX/XX/2021 as shown in Exhibit H. XXXX XXXX has shared my nonpublic information with XXXX, a non affiliated third party debt collector to collect on a debt that I do not owe. On XX/XX/2021 XXXX XXXX sent me an email stating that XXXX XXXX has partnered with XXXX, an industry leading auto loan servicing company, to provide you with great customer service throughout your XXXX XXXX XXXX You XXXX have already heard from XXXX, but we wanted to remind you that your first payment is coming up fast. '' I never gave XXXX any consent to share my nonpublic personal information with XXXX and there is no contract with XXXX These actions have violated my right to privacy and caused me harm. This is criminal and a direct violation of XXXX XXXX XXXX XXXX a ), XXXX XXXX XXXX XXXX 2 ) and XXXX XXXX XXXX XXXX b ). On XX/XX/2021 I sent an affidavit of truth notarized under the penalty of perjury to XXXX XXXX stating all facts of what happened and what violations they are liable for. On XX/XX/2021 I sent XXXX XXXX a cease and desist refusing to pay this alleged debt and demanded that XXXX cease all forms of communication with me through any and all mediums, invoking my specified remedy as the original creditor pursuant XXXX XXXX c ) XXXX 2 ) demanding XXXX XXXX zero out the balance on this account, pay the attached invoice and compensate me for every violation committed under federal law by check, remove the security interest and send my title to my property lien free and put a permanent credit of XXXX to my account. I sent a debt validation letter and Invoice for the violations and actual damages they have caused. XXXX XXXX is trying to commit fraud and cause me the consumer and original creditor hardship and damage through their attempts to collect on a debt that I do not owe for which does not exist. XXXX XXXX has received full consideration of {$30000.00} and there is no debt. I demand that XXXX XXXX provide me a audit trail pursuant to XXXX for this account to show the ledger for which XXXX XXXX says they have provided credit to me for my property for which they say I owe.
05/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MD XXXXX	Web
Ive called your office on XX/XX/XXXX. Was advised to send an email to : XXXX XX/XX/XXXX VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD. XXXX To : Carvana, LLC Carvana Customer Advocates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Number # XXXX RIGHT OF RESCISSION Dear Carvana, LLC, I, XXXX XXXX XXXX XXXX Creditor, hereby RESCIND my consent to be liable or compelled to perform on to the contract as of XX/XX/XXXX. This RESCISSION notice is made Pursuant to 15 U.S. Code : 1635 was never told I had 3 days to rescind the agreement I entered with Carvana LLC on XX/XX/XXXX. I entered into this contract agreement with Caravana LLC in which violated a consumer : 1. Failed to disclose all my rights clearly & conspicuously as a consumer including but not limited to my right of rescission. 2. Transparency regarding the process of the consumer credit application being the asset ( 12 CFR 360.6 ( 2 ) ) 3. Violated the American Disability Act with Fianacial abuse by tricking me into a bad investment 4. Overcharged the price of the vehicle, I was charged XXXX Used XXXX XXXX XXXX XXXX- selling prices range from {$5900.00} - {$14000.00}. Get a more accurate value for your car with the XXXX appraisal tool. 5. the down payment, filing fees, interest, dealer fees, APR XXXX taxes etc. should have ALL been the sum of the finance charges 6. Overcharged on APR, I was charged 13.295 % - The legal maximum in Maryland is 6 %, but can be 8 % under a written contract. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Carvana, LLC Carvana Customer Advocates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Number # XXXX RIGHT OF RESCISSION I, XXXX XXXX XXXX XXXX in a consumer credit transaction and not a loan ; Pursuant to 15 U.S. Code 1602 ( I ) ; Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me by your organization in direct violation of this law. I have reason to believe that Carvana LLC willingly and knowingly took advantage of me and my consumer credit. I am NOT terminating or canceling this contract. I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or operation of law, becomes VOID upon such a rescission. In addition, Carvana LLC also accepted a down payment of {$1400.00}, MD registration fee {$180.00}, State title fee {$100.00}, Surcharge Fee {$34.00}, Electronic Registration Fee {$12.00}, Security Interest Filing Fee $ {$20.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type of payable in a comparable transaction. Charged additional fees Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) ; one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which is required to disclose. Fined {$1000.00} for each violation, ordered to reimburse double the finance charge listed in the Truth in Lending Disclosure. In this case you, Carvana LLC, willfully violated this law when you failed to overcharge, disclose, and provide all information clearly to me as a consumer. Notice that Pursuant to 15 Code 1635 ( b ) : upon receiot of this rescission, I, XXXX XXXX, am not liable for any finance charge or other charge, and any security interest becomes void effective immediately. Take further notice that 20 ( twenty ) days after your receipt of this notice, you must return any money or property given as earnest money, down payment, incurred APR interest, reimbursement of fees that was included within the finance charge, or otherwise, an shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property which in this case is a CAR ( XXXX XXXX XXXX VIN # XXXX ). XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX To : Carvana, LLC Carvana Customer Advocates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Pursuant to 15 USC 1605 : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. Furthermore, within 20 ( twenty ) days after receipt of a notice of Rescission the creditor shall reimburse the obligor for the following listed below : Down payment - {$1400.00} XXXX Registration Fee- {$180.00} State Filing Fee- {$100.00} Surcharge Fee- {$34.00} Electronic Registration Fee- {$12.00} Security Interest Filing Fee- {$20.00} Interest paid on this transaction from ( XX/XX/XXXX to XX/XX/XXXX ) {$3700.00} Totaling -- {$5500.00} Settlement offer - $ To Be Determined The Creditor will reimburse the obligor the following proceeds for violating the American Disability Act, and the Consumer Credit Application Process. The sum of {$5500.00} and a settlement offer to prevent any further Civil ligations, Complaint filed with the Maryland Attorney General Office, resulting from the Violations, Reimbursement shall be made by cashier check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX. XXXX Kindly, XXXX XXXX, XXXX
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NM 875XX	Web	Servicemember
Over a year ago I attempted to purchase a XXXX XXXX XXXX from Carvana. For over a year I had incredible difficulty completing the simple task of registering the car. Occasionally Carvana would provide temporary tags, but usually the vehicle remained unregistered. Although at one time it did have three different temporary tags issued by two different states, Arizona and Tennessee. Carvana also had me obtain 4 vehicle VIN inspections at my cost. A cost that actually exceeded the approximate XXXX cost of the inspection. Obtaining one of the inspections forced me to miss two weeks of lucrative work. Carvana demanded I return to New Mexico to obtain the third VIN inspection. I reluctantly agreed but was desperate at this point to get the vehicle registered and be rid of Carvana 's awful work. I was promised this iteration would fix any registration issues and my vehicle would be plated, but that the VIN inspection was required by state law and that if I refused, I would be seen as uncooperative by Carvana and therefore in breach of my contract. These were lies. I did obtain the VIN inspection. No registration ever materialized. I then made two requests for the title to be transferred temporarily to a third-party registration company to facilitate the registration. Carvana lied and said this was illegal. After some research into state registration law in New Mexico, I found that this was a lie and demanded that Carvana and XXXX move the title as legally required. They agreed but told me I would have to wait until XX/XX/XXXX since they are allowed 90 days to comply. I waited 100 days, the title never materialized to allow registration. I called Carvana and XXXX to find out why the title was not sent to my chosen registration company. It was then finally disclosed to me by a tearful Carvana employee named XXXX, I believe, that there was in fact no title to my car at all. There had always been an issue with obtaining a " perfected title '' and Carvana was aware of this the entire time and all the run around was a result of this and attempts for Carvana to cover this fact. She even said that really the only way to correct this was to roll the loan back at that point. I agreed. We agreed. But then, the next day I received an automated call from XXXX at Carvana telling me that if I did not submit documentation, my temporary tags were in danger of expiring. I contacted Carvana and began discussions again. This loop of restarting the process seems to be Carvana 's go to method to prevent cancelling fraudulent contracts. Carvana continued stonewalling me at their customer service level. To speak to any employee with power to negotiate I was told to submit a letter of representation declaring myself as XXXX XXXX representation in this matter. I submitted these letters of representation twice to the addresses provided by Carvana and XXXX. I have never been contacted by Carvana or XXXX legal personnel. If I call and try to speak to a legal or treasury team member with the authority to make decisions, I am told to submit a letter of representation to obtain the right to speak to one of the coveted Carvana lawyers. In all actuality I expect the Carvana legal team is extremely busy at this time and will be tied up for a long time. Additionally, I was almost never provided temporary tags on the vehicle. I was forced to drive illegally or not use the vehicle. I had a loan with XXXX for a vehicle purchase through Carvana. I paid as agreed on this vehicle until it was found that Carvana was actually trying to sell a car they did not own. Carvana tried desperately and fraudulently to cover this fact for over a year. My loan is part of a greater systemic issue at Carvana. Carvana executives have been criminally charged for violating state registration and title laws. Their license to operate in many states had already been revoked. Their fraudulent business practices have them subject to many investigations and several class action lawsuits related to the very same type of fraud perpetrated in my case. Anyway, the main problem I am having is that while I am trying to forget about the fraud perpetrated on me by Carvana and XXXX, I have attempted to obtain housing and been denied solely because of this fraudulent loan still being incorrectly reported on my credit report. I have attempted to submit disputes with the major credit reporting agencies, but I am given XXXX characters and then I wait to find that the credit agencies " update '' the information. I have no idea what supporting documentation could possibly be being provided to the credit agencies, because no company of sound mind believes there is anything valid about my loan. The real issue is that Carvana and XXXX are in dire financial condition due to their corrupt and fraudulent business practices. They seem to be attempting to temporarily hold their companies up financially by refusing to correct fraudulent loan information. Likely because cancelling fraudulent loans and Carvana 's and XXXX ' improperly close relationship are going to lead to the collapse of both companies. Carvana, XXXX and the credit reporting agencies that allow them to continue this fraud should be investigated. I would be happy if I could just obtain housing without a fraudulent car loan from a corrupt company keeping me and my kids homeless.
05/24/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30350	Web
On XX/XX/XXXX I financed a XXXX XXXX XXXX for purchase with Carvana through XXXX XXXX and its been nothing but pure XXXX from day one. First, my car was registered to ( Michigan ) the wrong address/state which I called in about, and also mentioned at the time I picked up the keys in Georgia. I was told to by Carvana to let it register in Michigan first then change it to my current address in Ga, and this was told to me on XX/XX/XXXX and as of today XX/XX/XXXX I still dont have tags. Secondly, I was told that I had a 7 day trial period and that a down payment would not be taken out until I made a decision to keep the car or not. But after only 3 days money was taken out of my account that was for my bills, and when I called to address the issue I was told a refund would take 3-5 business days so I might as well keep the payment paid because I wouldnt be able to pay the bills on that day they were due. They Refused my refund, and in response they let me change my car note payment date from the XXXX of every month to the XXXX of every month. I thought that was resolved until I learned that Carvana doesnt have the authority to make those changes, and that information came from XXXX who does have authority and who handles loans and payments for Carvana. XXXX also added that the date couldnt be changed until my first car note payment was made. XXXX had no knowledge of the changes to my account that Carvana told me they allowed me to make. Another lie! Thirdly, I was delivered a car without floor mats and also had more problems than Carvana actually listed on the website about the car. Online its says everything was good on it, but when I got it I needed new rotors, new brakes, new rear suspension, oil change, new tires, new filters, and a wheel alignment. Which took me multiple phone calls, days, and diagnostics through XXXX XXXXCarvana mechanics that they partner with, because they gave me several incorrect and incomplete diagnoses from them. When I asked about going to another company to get a right diagnoses they told me it would be a {$200.00} deductible. Fourthly, the original tags and temporary plate I had on my car expired on XX/XX/XXXX and I didnt get plates before then either. I made the registration being to the wrong address an issue from day one, but for some reason nobody contacted me or seemed to do anything until about 2 weeks before the tags expired. Carvana told me I wouldnt be able to get a new plate, so I had a car that I thought I couldnt drive and had to pay well over {$2000.00} in a few week span to get around and handle my business because I had a car that I thought I could not drive. Fifthly, On XX/XX/XXXX, the payments were lifted from XXXX while Carvana finally started to rebuild the contract. And during the time of rebuild I missed the time frame to get a temporary 5 day tag and was told by a Carvana rep that I couldnt recieve tags in the state Im in because it was too late, and that made me have to pay to get around and XXXX during this time. But that was also incorrect information because while gathering new information to determine if I wanted to go into the new agreement with Carvana, I went to the DDS office and was given a new tag on XX/XX/XXXX or XXXX ( somewhere in that time frame ) that doesnt expire until the XXXX of XXXX. So I actually didnt have to spend thousands of dollar to get around, but DID because of the information I was given from Carvana . ( To add during the time the contract was lifted, I didnt have any payments to make, literally couldnt make a payment and didnt have any record of an account with Bridgecrest until Carvana finished rebuilding the contract, but for some odd reason Carvana and XXXX reported negatively on my credit report didnt report my two on time payments, and also ran my credit - at least 1 hard inquiry and several soft pulls that I DID NOT have knowledge or give authorization for them to do, and it caused my credit score to drop ) Sixthly, prior to going into the new agreement, I was assigned to a manager named XXXX who I asked specific questions about moving forward and who gave me the wrong information that he later says he got from his treasury department, which led me to going into the second agreement on XX/XX/XXXX not knowledgeable of the real details. Its recordings on Carvanas end as well as on my end of XXXX and everybody else I spoke with, lying, giving misleading information, and then trying to blame it on another department within the company. Ive be tricked, lied to, had money stolen, and been coerced into a contract, this has by far been the worst purchase I ever made in my life. This is NOT a FAIR, HONEST, or ETHICAL company. Ive been lied to multiple times by multiple people about multiple different things to get me to make a purchase and keep it, that has caused me nothing but stress, made me lose money, and has destroyed my peace of mind. Ive been stressed, emotionally distressed, and caused much anguish to me almost every single day for going on 6 months. Ive done everything I have been required to do, all I wanted was a dependable car. But this company is trying to ruin my life.
10/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WI 546XX	Web
Carvana agreed to buy my XXXX XXXX XXXX for {$16000.00}. They then offer an additional {$920.00} if you trade a vehicle instead of just selling. Therefore, the total was {$17000.00}. I only sold this or traded it in due to my growing family. I needed a larger vehicle for transportation with my grandchildren. I decided to trade in for a XXXX XXXX XXXX XXXX. The price for this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles {$23000.00}. I unfortunately needed a small a loan for remaining difference. I have health problems and had XXXX. I live mostly from XXXX. I would never go into an agreement for a loan at 20.59 % as this is ludicrous for a XXXX person. I applied for a loan through carvana and was accepted for the remaining portion {$6400.00}. THEY Aran my credit ( its listed on my credit report carvana llc ) I owned my XXXX XXXXXXXX XXXX in full. I agreed to {$150.00} a month at 5 % not XXXX # interest. I drive to XXXX XXXX as it was the closest drop off and pickup location. And carvana did not deliver to my address. This was XX/XX/XXXX. Main issue is the malicious and deceptive and unethical alterations ( after the week was up ) financing agreement and interest changed unexpectedly in XXXX XXXX. This happened after I repeatedly asked for my XXXX back within 7 day return policy period. I got an email from a totally different entity named XXXX. I had zero information about this XXXX. I later find out they XXXX XXXX XXXX with Carvana. Carvana also was not honest about the condition at sale of this XXXX XXXX If they would have honestly done the XXXX point inspection then Carvana would not have sold it in this condition. Carvana sold me a dangerous vehicle that had a warning light on the return drive home Auto Emergency Braking disabled temporarily In addition, the battery failed. I reported this to carvana and all they did is sorry we dropped the ball they never got back to me about my XXXX XXXX XXXX until a week was up and said too bad and you cant get your XXXX back then I went to change my auto pay information and noticed the 20.59 % and XXXX now was listed on the app. The payment was going to be made earlier than required even and they charged me yhe 20.59 % all along so I actually never got the full amount of the trade in value for my paid of XXXX. Most alarming is the inflated interest was listed erroneously as 20.59 % I never agreed to that and carvana app was showing that I only agreed to 5 or 5.9 % ( the 20.59 % is ridiculous but now they have shattered the contract on so many levels. I paid {$220.00} to fix the dead battery XX/XX/XXXX and I took it locally to my mechanic who is certified and lives close to my home. Carvana was called and they refused to pay but that should have been flagged if they did the XXXX safety inspection. The warning light started on way home XXXX XXXX and the lights and power were dull. The brake warning light can lead to an accident or death. XXXX XXXX was a luxury ride inside and every part was clean and in great shape inside. They failed to even have the XXXX XXXX have car mats. That was another issue but trivial at this point when compared to the surmountable negligence of Carvana. The worse is they bait and switched the contract and never stood by their promises. I worked hard to pay for my XXXX XXXX XXXX and now the interest rate and fees are worse or equal to a pay day loan. I want out of this if they are not willing to uphold the contract. I feel scammed with malicious intent as no one is returning my call, chats or emails other than to write sorry we dropped the ball they repeatedly say someone will call me but no one follows through! I contact XXXX and they say contact carvana. I NEVER AGREED TO DO BUSINESS WITH the company called XXXX!. I would be incompetent to agree to give up a fully paid for ( accident free ) ride of XXXX XXXX for a loan with 20,59 % interest and receive a safety hazard in return. They say they inspected this XXXX fe and they know that is not the truth and CARVANA is negligent in many legal and ethical levels. I feel that this is not an isolated incident. I still have not signed my title off for the XXXX and I dont even have the registration for this XXXXXXXX XXXX I want help getting Justice for myself and other customers who have been scammed by Carvana. I never signed papers for XXXX nor agreed to have my asset basically stolen from underneath me. Please, I pray someone can help who is in a position of power that can make a positive change for consumers like me who are not told the truth and evaded by Carvana until the week is up even though I asked for my vehicle back the next day after driving this XXXX XXXX home.
06/23/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33016	Web
I am writing regarding a serious matter wherein Carvana has violated FDIC Fair Lending laws by engaging in a pattern or practice of differential treatment of prospective loan applicants on the basis of race or ethnicity. I initiated a loan online, and provided all the requested documents - my pay stubs and Drivers License. I waited for the documents to be verified. The next day, Sunday, I called Carvana and spoke with a representative who said that my paystubs were not sufficient. Keep in mind, I was told this only after they had already received my drivers license and could clearly see Im a minority woman of XXXX. Seems that if paystubs are not sufficient for proof of income, Carvana wouldnt make it an option to begin with. Anyhow, I was then told by the representative they would now need to verify my employment by calling my employer. I am employed by my husbands XXXX and we have been in XXXX in the state of Florida for over the 13 years ( our XXXX XXXX can be easily verified via the Florida Dept of State -XXXX XXXX XXXX website ). I provided the representative with the business name, phone number, and my husbands name. I was told they would call to verify my employment. After waiting a day with no calls to verify employment, I decided to call Carvana again to find out the status. This time, I was connected with a representative by the name XXXX. Let me start off by saying I was floored by my experience with XXXX - he was extremely insulting and demeaning. When I first get on the phone with him, I ask about the status of the verification as I was told it was going to happen the prior day. Well, now according to XXXX, the verification of employment was no longer sufficient either and was no longer an option for me. Now, I was told I had to provide 3 months of cancelled checks. Why were my paystubs not enough to begin with. Why was I told in the first place that they would call to verify my employment to substantiate my proof of income only to later be denied that option. According to XXXX they need to verify the XXXX phone number attached to the XXXX ( as he stated ). Well I explained to him the circumstances of how my husband owns the business, and suggested he take the time to research Florida state records he would see the XXXX XXXX in my husbands name and I even offered to submit those documents for o him along with a phone bill from XXXX showing my husbands name and phone number on the bill. That wasnt sufficient enough for him. When I questioned the loan process and asked if they treat all loan applicants with this amount of scrutiny as I felt the differential treatment was racially based he said boldly youre coming to Carvana requesting a line of credit and we dont have to approve you for anything. I immediately asked to speak to a supervisor as a I was offended and appalled that a company such as Carvana would allow their representatives to speak to potential customers in such a demeaning way. He did try to diffuse the situation but the damage had been done. At that point is was clear to me that Carvana was engaging in discriminatory lending by making more difficult for me obtain a loan. I eventually requested that he have his superior contact me. I received a call from XXXX, who also was very unhelpful and condescending in her responses to me. I asked her why was I being required to go through all these lengths to prove employment and income. I mentioned to her that a colleague of mine ( a XXXX is woman ) got a loan with Carvana and was able to submit simply her pay stubs and that was sufficient, why is it not sufficient for me? So first the pay stubs were not enough, then the phone verification was not going to be sufficient, now I am required to provide 3 months of cancelled checks? Verifying my employment is simple yet Carvana representatives refused to do so. It is obvious that Carvana has engaged in discriminatory lending against me by using different standards in determining whether to extend credit. It was not until after Carvana received my license and identified me as being XXXX XXXX XXXX, that I was required to provide additional documents that are otherwise not required to be provided by other non minority applicants. This is a serious violation of civil rights and Undoubtedly if this has been done to me, it most certainly has been done to other XXXX XXXX XXXX as well. During these challenging social times, it is unacceptable for a company such as Carvana to practice these unethical discriminatory lending tactics.
11/26/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MO 63136	Web
Consumer Purchased XXXX XXXX XXXX XXXX on XX/XX/XXXX from state of Indiana, later discovered PII and Temp tags from prior Consumer in glove department. The vehicle was registered in the state of Georgia and transported to Missouri with odomator and SSN fraud later discovered. Application have not received Title or registration in state of Missouri since purchase on XX/XX/XXXX, Delivery. Applicant have filed both state and federal complaints on behalf of dealership Carvana Group LLC et al. Applicant have since filed a federal case in XXXX Missouri District Court. As of XX/XX/XXXX, XXXX XXXX XXXX, XXXX have sent the Manufacturer Certificate of Origin by Affidavit request along with PROOF OF OWNERSHIP along with other legal documents. Applicant have submitted documents certified mail with tracking to both Carvana Group LLC and XXXX pertaining to applicant OWNERSHIP. XXXX unlawfully repossessed Applicant personal household automobile known as XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX CST via third parties XXXX XXXX XXXX XXXX XXXX , TN who hired XXXX XXXX XXXX in Missouri . Applicant contacted XXXX on XX/XX/XXXX, concerning unlawful repossession. Agent was informed about certified mail sent to Carvana Group LLC and XXXX with tracking parcel mailed XX/XX/XXXX. Agent refused to give information to Applicant do to SSN does not match last 4-digits on an account Applicant is unaware of. Applicant does NOT have any written expressed consent contract signed with XXXX or any longer with Carvana Group LLC since Vehicle was purchased and delivered with odometor Fraud and later discovered SSN fraud pertaining to Applicant SSA 89 form signed on behalf of request underwriter XXXX XXXX, employee of Carvana Group LLC. I was informed by underwriter per Carvana Group LLC legal team that a second sale purchase contract would need to be created do to compan error. I did not consented another purchase contract after company attempted on various occasions to swap vehicle do to recall and other issues discovered about vehicle one week after purchase. Applicant have attempted for several months to remain in good faith working with Carvana Group LLC. Applicant later discovered SSN and contract fraud was administered. Federal lawsuit have been filed in Missouri District Court and IRS 211 investigation was sent do to filed complaint with Internal Revenue Service and U.S. Treasury. In closing, Applicant filed state and federal complaints on behalf of identity theft, odometor fraud with Missouri State Highway Patrol Odometor Fraud Agent ( Sgt XXXX ) and U.S. Department of Transportation Odomoter Fraud Agent ( XXXX XXXX ). XXXX sent a letter dated XX/XX/XXXX, informing Applicaht vehicle would be deleted from their records and also they were to inform all credit bureaus to delete records as well. Applicant since have received credit bureaus letters reflected the deleted account. Applicant submitted Affidavit and pertinent documentation to show PROOF OF OWNERSHIP to XXXX XXXX XXXX, XXXX legal team of purchased XXXX XXXX XXXX XXXX from Carvana Group LLC. Applicant later discovered vehicle Odometer Fraud and other contract concerning issues after purchase and delivery. As of XX/XX/XXXX, Applicant never received registration or title to purchased vehicle and later discovered per Carvana Group LLC underwriter XXXX XXXX was told by company legal team to recreate sales purchase contract after purchasing was already made and Delivery taken. Applicant have PROOF OF OWNERSHIP and company repossessed applicant XXXX XXXX XXXX XXXX unlawfully without cause. XXXX a subsidiary of Carvana Group LLC and Applicant do not have a contract, but the company repossessed applicant Family household vehicle that have been instrumental in getting applicant sibling to and from XXXX treatments on a weekly basis at XXXX XXXX XXXX in XXXX XXXX. Applicant contacted XXXX to inquire about unlawful repossession and inform about OWNERSHIP and documentation. Agent refuse to speak any further to applicant since SSN DO NOT MATCH in their records. Applicant did not give written expressed consent to contract with XXXX. Applicant filed and recorded in XXXX XXXX county recorder of deeds a UCC 1 Financing Statement as the Secured Party Creditor who own the XXXX XXXX XXXX XXXX as a family household vehicle. Applicant have the MANUFACTURED CERTIFICATE OF ORIGIN as sole owner.
01/07/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 30168	Web	Servicemember
On XXXX XXXX I applied for a car loan with Carvana on their website Carvana.com. On the website your given things that are requested before the loan can be processed. My consumer report was pulled and I was approved, I was given the payment amount per month and down payment required, APR and total cost of the car. Initially all documents I was asked to provide was before the underwriting team took alook at my application which was after the holidays on XXXX XXXX. There was nothing else needed until I received an email from an underwriter XXXX asking for additional things which was verifying I have a credit fraud alert on my consumer report and to pay my current car payment so my account would be up to date. At that time my car payment was due on XXXX XXXX which was a holiday so they considered it 1 day behind so, I was very upset that I was being forced to pay the payment being I signed the contracts for the loan and uploaded my documents on XXXX XXXX and I was n't informed initially about this requirement by anyone. After receiving her email I called in to speak with a supervisor and spoke to a man named XXXX. XXXX began to explain that this would need to be done before the loan could move forward and once I made the payment the underwriting team would approve the loan. After an hour long discussion with XXXX about the payment that needed to be made he then decided to add additional information that needed to be submitted to get the loan done. He wanted me to provide a business license even after I told him I was n't a business owner, 3 months of bank statements when I had already provided check stubs and utility bill or something showing my address which I provide the front and back of my State issued License with my current address. I was disgusted that all of a sudden he wanted to ask for additional documentation because he did n't like the way or previous conversation went and was doing it just to make things extra difficult. I then made the car payment like I was asked and changed my number on my credit report to match the one on Carvana 's site because that 's what XXXX told me I had to do .He then told me If I did n't have those items, I could provide him with a number to HR to verify employment or get some sort of scanned document from the bank showing my check was cashed there. I then explained I did n't cash most of my checks at my bank because there are n't that many locations in the XXXX area near me but then he insisted I provide a receipt from the check cashing store. After he asked for things that I thought was crazy to ask for just to get a car loan. I provided my bank statements showing the amount of money I 'm paid being deposited in my account. I uploaded the document the next morning on the website and maybe about 15 minutes later the website was updated to all documents were verified by the underwriting team, so I thought. Maybe about 30 minutes later XXXX emailed me stating he still needed me to provide a scanned document from the bank showing the check was cashed there even after I said several times during our conversation I did n't cash the two check at the bank. At this point I really felt he requested these Items based on his feelings from the car payment conversation and was just being difficult. I do n't believe these documents are ask for from every customer because I 've applied for loans with Carvana in the past and was never asked for these documents! I was unable to speak to anyone but XXXX which was frustrating and even when I thought we were pass one thing he 'll add on another just to frustrate me. He continued to make me think if I would provide one thing the underwriting process would began and it did n't. I had to call different numbers to try to talk to someone different and no one would allow me to talk to anyone but XXXX. I finally decided to call the fiance company to speak with someone about my concerns and was promised someone would return my call to resolve the issue and I have not heard back from anyone at this point. I 'm still waiting on a resolution being my loan application is still valid for 30 days and I had n't been denied the loan just asked for things that were impossible to provide and would just cause these things to prolong it until my 30 days are up!
02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	GA 317XX	Web
Copied and pasted below is an email that I sent on XX/XX/XXXX to their Legal team as well as their Privacy Policy team with no response This letter is in regards to the inquiry that was reported on my account in regards to a purchase I attempted to make on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX. Today has been the XXXX day where I have called customer service in regards to having the option to having my credit report pulled and verifying Carvanas participation in the XXXX and XXXX XXXX. Before starting the process, I called the toll free number on the date stated above, ( XXXX ) XXXX - XXXX to inquire information in regards to verifying participation in the Truth and Lending Act which references the obligation of creditors to give the option to all consumers to opt out of having their credit report pulled in relation to any consumer credit transaction. I spoke with a customer service representative XXXX and XXXX XXXX with little to no resolution except by stating the soft pull that was completed through XXXX as well as mention of a mandatory hard pull to complete purchase. I acknowledged said information, however I stated I know this is optional and not something that is required even if I am wanting to finance via Carvana. I was informed that the soft pull was an action I voluntarily did as part of Carvanas financing process hence the down payment I could see and there was an option to manually opt out on my account. However, after going back into my account this option was not available as said it would be after asking numerous times for clarification as to where this could be found. I stated there wasnt an option manually to do this therefore I verbally stated this via phone nonetheless I was not given an expected solution except that my request would be passed along to higher ups and to anticipate communication the following business day which wouldve been Monday, XX/XX/XXXX. Nonetheless on the same day, I contacted the customer service number ( XXXX ) XXXX - XXXX where I spoke with a young lady who I informed her I actually completed the next steps within the process and still there was not an option through the process to opt out of having my credit score pulled. As 15 USC 6802 ( B ) Obligation with respect to disclosures of personal information states In general a financial institution may not disclose nonpublic personal 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 6804 of this title, that such information may be disclosed to such third party. Based on this USC, I have been violated of my consumer rights because I do not give verbal or written consent and I would like to disclose such information. Being that I am a consumer, I have the right to exercise this law. This same scenario has been replayed everyday that I have called. I have called everyday since the initial conversation Saturday, XX/XX/XXXX totaling 4 days including today. Each day is basically the same I am explaining what I am trying to inquire with just simply asking to speak to a finance manager or an underwriter to gain clarity and move forward with next steps to complete my purchase. I have had no resolution or action with each conversation being the same and rushed off the phone to basically advising me to seek legal action which based on XXXX XXXX XXXX is against the law because I can not be denied the right to extend my credit as a consumer attempting to make a consumer credit transaction. Lastly today, I was always advised that I cant opt out of having my credit pulled if I wish to finance via Carvana and also, that Carvana does not participate in the Truth and Lending Act which is also a violation of my consumer rights based on 15 USC 6803. And based on 15 USC 1611, this is false information that was given willingly and knowingly to me. All in all I have been violated three times within 4 days. I would like to reach a resolution and given clarity to be able to complete my purchase. I am given 7 days to respond.
03/23/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	GA 30084	Web
[. Notice of Billing Error 12 C.F.R 1026.13 I am trying to move forward on financing that I went into on XX/XX/XXXX with CARVANAXXXX but see some billing errors in the contract. As insurance should be included in the fincance charge.I also sent an email and called CARVANA ON THE XXXX of XXXX XXXXI need to speak with your financial side because due to 12 CFR 226.4 ( b ) ( 8 ) in which XXXX is financing the automobile thats VIN NUMBER is : XXXX and STOCK NUMBER is XXXX with CARVANA.Insurance is to be included in the contract with the finance charge so I dont need to get insurance elsewhere. 12 CFR 226.4 ( b ) ( 8 ) ( 8 ) Premiums or other charges for insurance against loss of or damage to property, or against liability arising out of the ownership or use of property, written in connection with a credit transaction. I have noticed several billing errors in the Truth-In-Lending disclosures section Retail Installment Contract and security Agreement. Another one that I see is the number of payments as well as the amount of payments seem to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as the truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error that I see is the down payment on the itemization of amount financed. The {$54000.00} cash payment placed under section f which references Net trade-in ( d-e ; if negative enter {$0.00} here and enter the amount on line m ) is in violation of 7 CFR 1436.10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error I can see is the amount of credit provided on my behalf. There is no authorized representative other then the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors listed above may be assumed to be a willfully intent on. So I am trying to see how to go about getting a fair contract in which I the consumer just need to pay the finance charge of {$1700.00}. I also do not do commerce or drive because I will just be traveling on public roadways so I dont need to register the automobile to the state. I will register it to me and get my own private travel plate to use on public roadways. In saying so I am requesting the MCO of the car so I may register the automobile. Thompson v.Smith, 154 SE 579, 11 American Jurisprudence, Constitutional Law, section 329, page 1135 The right of the Citizen to travel upon the public highways and to transport his property thereon, in the ordinary course of life and business, is a common right which he has under the right to enjoy life and liberty, to acquire and possess property, and to pursue happiness and safety. It includes the right, in so doing, to use the ordinary and usual conveyances of the day, and under the existing modes of travel, includes the right to drive a horse drawn carriage or wagon thereon or to operate an automobile thereon, for the usual and ordinary purpose of life and business. Also want to state the fact that since CARVANA, LLC ran my social security credit card number they become trustee in my registered estate that I am a beneficiary to. In which CARVANA, LLC needs to perform to benefit the beneficiary in every way. Account Number : XXXX Last Four of SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX - XXXX XXXX XXXX, XXXX ]
03/28/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 01915	Web
I bought a car from Carvana XX/XX/XXXX and wired {$4100.00} for down payment and I purchased an auto policy with XXXX the same day XX/XX/XXXX. I was given a delivery date XX/XX/XXXX originally and they texted me false hope all the way up to XX/XX/XXXX morning telling me the car was being delivered XX/XX/XXXX. On XX/XX/XXXX at XXXX I received another text from Carvana saying the delivery was pushed out two weeks now arriving XX/XX/XXXX from XXXX. Meaning I paid a month on my auto policy for no reason because I did not have a car. With all the information they were given me about canceling I decided to hold on to my faith be patient and wait to receive my car on the new date given. I received the car XX/XX/XXXX at XXXX. I didnt get to test drive it due to the extremely late delivery and could not thoroughly check out the car because it was dark. The next day XX/XX/XXXX I started driving the car and immediately heard a rattling noise coming from under the hood especially when I stepped on the gas pedal. I called Carvana who then transferred me to XXXX to tell them what I was hearing. XXXX referred me to XXXX in XXXX, MA to get it checked out. I dropped the car off for them to examine the issue and run some diagnostics early Monday morning XX/XX/XXXX. XXXX called me and told me that my motor is no good and there was no oil in my car at all and when they pulled the oil dip stick there was metal shavings meaning the Engine needed to be replaced and I needed to bring to an XXXX dealership to have it serviced. I called Carvana and XXXX they said they would pay for the new Engine and that I need to call XXXX for an appt. I called my local XXXX dealership in XXXX and after speaking with the manager he said that XXXX removed the Engine warranty themselves XX/XX/XXXX because its never been serviced and deemed the Engine no good also informing me that it would cost XXXX for a new engine. Manager was confused how I even received the car with this information associated with the VIN # that Carvana most likely knew about. Since the Engine replacement is more than the value of the car Carvana and XXXX cant pay for repair/replacement. Carvana advertises a 150 inspection list that they are supposed to perform before any customer gets a car and with the one month delay in delivery from purchase I trusted that to be done but clearly it was not. # 19- # 21 in the inspection list has to do with Engine check with # 21 being Engine condition ( visual verification of oil change maintenance ) if that was done then Im sure Carvana would have seen that the car had no oil in it at all and had metal shavings on the dip-stick like XXXX found while examining the car XX/XX/XXXX. # 31 has to do with the Engine as well checking oil leaks again if this inspection was done properly they would have seen there was no oil in the car to check for leaks. # 97 has to do with the Engine. # 98 in this inspection list has to do with exactly the problem I had the Engine Abnormal noise/engine running if this was done properly Carvana would have heard the rattling noises right away under the hood since it makes the noise as soon as you turn the car on and if it was test driven by them they would have heard the noise worsen when stepping on the gas pedal. Again if this inspection was properly and thoroughly done they would have realized the Engine was not good. # 99 and # 107 has to do with the Engine even the last part of the inspection # 150 has to do with the Engine and still I received a vehicle with a bad Engine that I was able to notice right away the day after delivery and get told within 72hours having the car that the Engine was no good, even though they had it for almost a whole month since I purchased to check. If the history on the car was even checked they would have seen that XXXX themselves deemed the Engine no good and canceled all warranty repairs back in XX/XX/XXXX! Carvana is clearly not checking their cars properly or even at all and just risking families with these unsafe vehicles when we put trust in them when buying!
03/15/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	CA 95210	Web	Servicemember
This in regards complaint filed with the Federal Trade Commission # XXXX. On XX/XX/XXXX I bought a car from carvana and was approved for a XXXX XXXX XXXX with XXXX, XXXX miles purchase price {$18000.00} vin # XXXX on XX/XX/XXXX I received and email requesting more documents to verify my identity. When I called on XX/XX/XXXX and spoke with XXXX customer advocate in the sales department. He advised me that there was a freeze on my credit report with XXXX and I advised him that my hold was temporary removed on XX/XX/XXXX until XX/XX/XXXX and requested to call XXXX with on the line. He then requested for me to hold and went to check for a supervisor. I merged calls with customer advocate XXXX and XXXX representative XXXX who verified that Carvana ran my credit on XX/XX/XXXX and a hard inquiry appeared on my credit report call I lost XXXX and called back and received another customer advocate who transferred me to XXXX he id himself as the Supervisor in the XXXX, AZ location. I spoke with XXXX on XX/XX/XXXX at XXXX verified he is in the headquarters location in XXXX , AZ . He advised me that while purchasing XXXX XXXX XXXX XXXX purchase price {$12000.00} on XX/XX/XXXX under my account XXXX. Verified there is no notes from XXXX the supervisor. from our conversation on XX/XX/XXXX. I received and email from him XXXX for any questions. He stated verbatim that my XXXX XXXX was sold while I was purchasing it and offered me the standard XXXX XXXX XXXX. I ten advised him I did not want a standard vehicle. He then advised me all I needed was documents verifying my address. I uploaded with him on the line copies of my verification address and advised I would get other documentation which stated must be a utility bill showing the full complete page. On XXXX XX/XX/XXXX I uploaded a copy of my XXXX XXXX XXXX bill with representative XXXX and repurchased the XXXX XXXX XXXX. We went through the full process and my arrival date was XX/XX/XXXX at XXXX. She advised that a driver would drop the car off and I would sign and complete the rest of documents with him via XXXX. There would be a packet inside the car with complete instructions on how to complete the sale. She advised me I would need insurance and my ID or driver license at the time of drop off. I advised her I did not have any insurance and requested the vin # to complete on the XXXX to purchase insurance. On the morning of XX/XX/XXXX I woke to find that my purchase was cancel with NO REASON and per customer advocate XXXX located in the XXXX, AZ location level 1 representative stated he was working from home and wanted to verify my address and telephone and date of birth. He advised me of thee under writing decision and I then requested a supervisor. He transferred me to a TEAM LEAD who id themselves as " XXXX '' not a SUPERVISOR located at XXXXPST in the XXXX XXXX AZ her headquarters is XXXX XXXX AZ she stated the last customer advocate did not verify me properly and requested my information again. After verification she expressed that she could not disclose to me why my account was denied, and all correspondence must be made in writing. She verified the decision was made XX/XX/XXXX at XXXX. I asked what documentation she was not able to verify she stated she could not disclose that information to me and nothing appeared in my notes to support the decision. She also verified all calls are being monitored for quality assurance. she gave me an address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX stated there was no email address attached. she then proceeded to tell me she was disconnecting the call and hung up in my face. I have made screenshot 's of all transactions made and completed on for proof and copies of verification requested and provided. I also called on XX/XX/XXXX XXXX PST per XXXX they work off EST and open at XXXX EST but was notified by XXXX at XXXX on the Morning of XX/XX/XXXX that notes verify I requested for a Floor Supervisor not Team Lead to return my call and they do not come into the office until XXXX PST I advised I will return the call at XXXX
05/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	AR 71913	Web
We purchased a car through Carvana online and was assured we could return or exchange the vehicle as they have a XXXX day no hassle guarantee return or exchange policy as long as there were no damages and we initiated the return by the XXXX day all in which we have done we opted for an exchange and submitted all requests for verification and was given the appointment by a representative to pick up the exchange vehicle and was told we were clear everything had been approved through the underwriters department we just needed to sign the contract and bring our DL and proof of insurance. The day that we were scheduled to get the vehicle I received another request for several more documents and was advised that if I didn't provide the requested documents my appointment would be rescheduled we live XXXX hours away and this really put us in a bind as I had XXXX the following XXXX and needed to have this all handled prior to the XXXX however we made every effort to get the request filled and while uploading the documents we received a email indicating our appointment has been rescheduled to Monday the XXXX of XXXX. In which I called and spoke to an agent and explained this was really a inconvenience and I was in the process of submitting the documents at that time and he verified the documents were uploaded but we were advised that we would have to keep the new appointment time but everything had been verified during the call and for the second time we were cleared for picking up the vehicle. However the following day we received another email indicating they wanted more documents to verify and finalize the approval such as additional address verification certificate of incorporation as a business owner and to reupload previously uploaded documents in which at this point we are getting really aggravated with the redundant request and even moreso we felt like they were trying to find a way out of honoring the guarantee they emphasized several times during the first purchase to stand behind. But we went ahead and provided the request they then assured us that somehow they had been processing the second vehicle as a separate purchase and were updating the system to reflect it as an exchange and the only thing they needed was an additional address verification that the income employment and insurance verification was completed just submit one other document to verify the address and that would finalize the loan once again so reluctantly I agreed to do so and that just triggered more request and a kick back for Carvana we received a call from XXXX in the underwriters department stating that the bank statements we provided which showed over XXXX In deposits and credits was not sufficient evidence to meet the loan approval and we would need to provide additional income documentation to proceed with the loan in which at this point we are convinced that no matter what we provide they have already gotten us out of the 7 day window to honor the no hassle return and now they are trying to figure out a way to get out of the exchange they were supposed to honor we had been approved 3 times for them to come back and retract the approval and request more documents they state that the income is still off by nearly {$100000.00} as the current vehicle were in the payment is XXXX a month and the one we opted to exchange for is XXXX month now I would like to mention that in the initial application for the loan I underreported my income just to be on the safe side but the argument they are trying to provide is that out of the XXXX XXXX deposits the income only would be figured at XXXX by Carvana and that's XXXX months only. We are asking for assistance to help reach a suitable remedy or help to enforce the XXXX day no hassle guarantee policy we feel like we shouldn't have to submit another document after the several requests we have submitted and they approved and then changed Thier mind XXXX hours later and wanted more documentation. We hope and pray that a resolution can be met. Thank you and have a blessed day.
02/18/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 94901	Web
Good Day! I am reaching out to you all because I have been in a cat and mouse game with Carvana for almost two months now in regards to a vehicle I purchased through their company. The car is a white XXXX XXXX XXXX XXXX and I have had it since XX/XX/XXXX. In mid-XXXX this year, my cars battery died ( electric vehicles use a high voltage battery in place of an engine ). I had my vehicle towed to XXXX and they ultimately concurred that they would not change the battery because the vehicle had an XXXX warranty and I just happened to be one month out of it ( which doesnt seem like too long, but that is another issue ). I reached out to Carvana for help on this since it seems very odd for me to have had a car for less than a year and it is needing a new high voltage battery. Every advocate I spoke with which has been at least XXXX from the notes I have taken since last month, has sympathized with me and has aimed to help me. The issue comes that my ticket notes were constantly unorganized and I would have to spend time explaining over and over again my situation. In one instance, an advocate even told me that my ticket was marked as closed ; meaning if I had not called back, no one would have been actively looking at my case. I have asked to speak with a supervisor on three separate iterations ( the most recent being this Tuesday and I was told Id receive a callback within 24-48 hours and I have not, hence why I am filing this complaint ). XXXX, the first advocate I spoke with, informed me that the vehicle had had a previous battery issue ( which I had not known about ) and that it should be Carvanas responsibility to correct my current issues. When I called back after I hadnt received the call I was promised, the next associate ( XXXX XXXX mentioned a process called a delayed backout ( I believe ) in which I would be assisted with getting a new vehicle since the cost of a new high voltage battery costs more than the loan amount I have on the vehicle. Again, these options were offered to me not vice versa. I vigilantly called and reached out to Carvana with no updates, because my case was not being attended to properly. I also have been spending money on XXXX to commute since I do not have my vehicle, which in the state of California adds up. I was originally told that I would not receive reimbursement because my vehicle wasnt being repaired since SilverRock ( my warranty through Carvana ) did not approve the repairs but, after explaining how this has impacted my livelihood I was told I would receive reimbursement overnight. It took me a week and a Half to confirm I would be receiving the check because I was constantly receiving inconsistent information about whether the check was approved and when it would go out. All and all, I received the check earlier this week. My point, though, is that is a temporary fix to a long-term problem I am facing. A {$250.00} check, while I am grateful, does not substitute the fact that I do not have my vehicle and have had to utilize my money meant for other bills to work around this inconvenience. I can not even rent a car under warranty since the vehicle is not being repaired, thus more money Id have to spend out of pocket. I was told that I did not have any options since all of a sudden I no longer had the option to have the car repaired, to receive a new vehicle, or the ability to sell the car back to Carvana since it is not drivable. Please make no mistake, I am extremely grateful for all the help and sympathy I have received thus far, but the inability to speak to a supervisor who has the actual say on this has been quite frustrating. I constantly find myself apologizing to the advocates I talk to because I am frustrated and do not want them to think it is towards whoever it is on that given day. But, if you were in my shoes, would you not be frustrated? Please let me know what additional information might be helpful for you all in working on this. Thank you!
03/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 32504	Web
I spent the last three day preparing my bank statements, 1099 's and looking up cars so I was well prepared and had everything I would be asked for and exactly what cars I wanted/was interested in. I arrived at one dealership today ( XXXX XXXX ) and everything was ok. He filled out a pre-approval app for me and I asked if he wanted me to get my paperwork and he said yes. When I come back in he said that because of my line of work, financing isn't going to be available. He said till I can show income from another source of work I would need outside financing or cash. Didn't look at anything I had. Kinda hard blow and wasn't what I was expecting. I was discouraged so instead of getting that answer again after driving around, I instead messaged car lots and buy-here-pay-here lots, and told them I had {$2000.00} down payment but was a delivery driver. Not one in 20 returned a text or a phone call. I know car salesmen a lot better than most don't give you a min before calling back. So I got online with carvana.com. I download all the paperwork I had prepared and my license information. My downpayments and monthly payments changed, and I was under the impression that hey it's expensive but what else can I do since no one else will sell me a car. I do everything. Pick out a car and I'm picky. Go through the uploads. Congrats on your new car. Even signed the contract and then the phone rings. Man on the phone says immediately after addressing me, that he hates to be the one to have to inform me that my type of income is NOT accepted with XXXX and basically hangs up on me. I've been researching this since, and I have found out that they have to run my credit and offer me a legal explanation of denial in writing. Neither of the formal confrontations offered me more or less. To me I don't see a dealership dening a farmer a loan for a truck because he wiith-out a doubt is going to be rough on it., have it off-road, towing constantly and putting a ton of miles on it or on the other side of the spectrum that they wouldn't sell a striper a car because of the chance of persons that would be in the car or acts done within said vehicle. I felt like I wasn't given a chance to even inquire why, and I feel what my daily work itinerary each day should not even be questioned. Most of the cars on carvana 's site have more than XXXX a year on the odometer and I would say the average mileage on a 4 year old car on the site would range from XXXX to XXXX and even more so XXXX percent of these cars were rental fleet vehicles to begin with. So it's ok to sell a fleet vehicle but not sell it to someone who would drive the car in a fleet-like manner? I feel demoralized for doing what I do and right about now I feel helpless. My car was totaled in Mississippi due to a rim failure which resulted in a XXXX mph XXXX in the rain on the interstate hitting the wall and into a tree. My wife and I have been hanging on relying on our family to make it until the stimulus came, and would be able to have the down payment that would be required to finance a vehicle. Now it doesn't matter and I am back thinking what now. My frame of mind looking through cars online was that I needed a car old enough but new enough, stickly looking for XXXX under XXXX dollars because I know what the miles will do and at the point of the third year it wouldn't matter because lenders will no longer finance a car that old. Saying that so you are aware I wasn't walking in looking or inquiring about a vehicle that I wouldn't be able to acquire anyways and with a sound mind. If I could please get some guidance on this I would be forever grateful. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Credit was pulled XXXX at almost XXXX with car. Paperwork downloaded along with dl before that..
01/19/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IN 46410	Web
I purchased/picked up a vehicle ( trade+cash ) on XX/XX/XXXX and took it for a drive. About XXXX minutes after leaving the vending machine, the engine light came on. I immediately went back to the XXXX location and told XXXX, my advocate. He scanned the code and told me he would setup a warranty claim. I called every repair shop that was a reasonable distance from my home to get an appointment. It was the week of XXXX so most appointments were not available the same week or the next. I dropped it off at an in network facility and they told me they dont have anyone that can work on XXXX cars. All of the other repairs shops that I contacted after the first one also told me that they didnt have anyone that would be able to fix the problem. I ended up taking it to a XXXX dealership close by my home and they ran a diagnostic which cost {$200.00} and came back with repairs that need to be made that cost around {$8000.00}. Since they are not in a network repair shop with XXXX, the claims and approval process would be alot longer. The dealership said that they would submit the paperwork to XXXX sometime next week and that if the repairs were approved, it will take about 10 to 12 hours to complete and the truck would need to be left at the dealership for about XXXX days. This puts me at a huge disadvantage because XXXX only offers the option of reimbursement for rentals. The issue that I am having is there was clearly something wrong with the vehicle that according to the dealership CARVANA should have called during their XXXX point inspection. Im going to be without my vehicle for about two weeks, I was driving a vehicle that is having an issue running because it lags at times and you can smell something burning. I didn't feel comfortable driving the vehicle because of the engine issue. I have a terminal illness & didn't a way to get to my appointments while my vehicle was in limbo regarding repairs. Fast forward to XX/XX/XXXX, they FINALLY agreed to swap the vehicle out for another one. XXXX ( team lead ) & XXXX ( Swap advocate ) were working with me & not one time did they tell me about an $ XXXX difference in down payment if I went a couple thousand over the price of the damaged vehicle. There was only a $ XXXX difference in the prices. They told me the only thing that would change in the contracts is the vehicle info and the MONTHLY payment and the {$8900.00} would roll over to the XXXX. I zipped through the contracts and setup delivery. The DAY OF DELIVERY and an hour before my time, I was told that I had to go back through underwriting by a different XXXX Carvana dropped off my swap days later with an " I'm sorry '' gift in the front seat. The driver said they should debit the MONTHLY payment in a couple of days. As of today, XX/XX/XXXX, XXXX has no idea what's going on and I can't make a payment, Carvana reps don't call after I have reached out, and I am getting threatening emails & calls about me owing {$7600.00} ( for a total of $ XXXX down ) from XXXX and XXXX. They are blaming me when I have emailed XXXX several times with no answer, got stood up by XXXX who said she would call me at a certain time but didn't. I wouldn't even have this problem had Carvana not sold me a vehicle that had an {$8000.00} engine issue they tried to force me to keep and pay for on my own. Reps from wrong departments shouldn't be talking to me about underwriting of they aren't knowledgeable. Everything is my fault. My dashboard still says my vehicle is out for delivery over a month later. No attempt was made to debit something from my bank. How do you threaten a customer with a terminal illness who's not at fault for your mistakes! I am livid about this!
07/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30013	Web
I am writing to file a complaint against Carvana , LLC, outlining their unfair business practices, deceptive conduct, and contractual violations. The details of my complaint are as follows : On XX/XX/XXXX, I engaged in a transaction with Carvana, LLC to purchase a XXXX XXXX XXXX XXXX, VIN : XXXX. However, shortly after taking possession of the vehicle, I encountered a major mechanical issue with the transmission, rendering the XXXX unusable. I promptly contacted Carvana, LLC to address this problem and seek a resolution. Instead of fulfilling their obligations under the purchase agreement, Carvana, LLC directed me to XXXX XXXX, their designated warranty administrator, effectively shifting the responsibility onto a third party. I complied and took the XXXX to an authorized service center on [ Date ], where it was confirmed that the transmission required a complete replacement, underscoring a significant mechanical defect. Throughout this process, Carvana, LLC exhibited a pattern of deceptive conduct and unfair practices. They consistently altered their stance and terms, hindering the resolution of the issue. Initially, they indicated that fees for mileage overage would be waived, only to later demand an exorbitant sum of {$2000.00}, effectively modifying the terms of our agreement without any justifiable basis. Furthermore, when I attempted to initiate a vehicle swap, replacing the defective XXXX with a XXXX XXXX XXXX XXXX, VIN : XXXX, Carvana, LLC introduced new conditions and requirements that had not been previously communicated. They requested bank statements, two years of tax returns, and additional financial information, which had never been requested in any of my previous dealings with them. This sudden change in requirements effectively prevented the completion of the transaction and acquisition of the replacement vehicle. Carvana, LLC 's conduct is not only unjust but also constitutes a violation of contractual obligations. They engaged in deceptive practices by consistently modifying the terms of our agreement to their advantage while disregarding the agreed-upon conditions. This conduct places an undue burden on consumers and undermines the trust that should be placed in Carvana, LLC as a reputable and responsible business entity. I am seeking your intervention and assistance in addressing this matter. I request that the Consumer Financial Protection Bureau conduct a thorough investigation into the business practices of Carvana, LLC, ensuring accountability and appropriate action to rectify the situation. Additionally, I urge the bureau to take necessary steps to prevent Carvana, LLC from engaging in similar deceptive and unfair practices with other consumers. As a satisfactory resolution, I am requesting redress for the financial losses I have incurred due to Carvana, LLC 's actions. This includes reimbursement for the costs associated with the defective vehicle, repair expenses, and any additional damages suffered as a direct result of their unfair business practices and contractual breaches. Furthermore, I request that the bureau implement measures to prevent Carvana, LLC from perpetuating such deceptive conduct in the future. Enclosed with this complaint, you will find copies of relevant documentation, including records of transactions, correspondence with Carvana, LLC, and any other evidence substantiating my claims. I appreciate your attention to this matter and trust in the Consumer Financial Protection Bureau 's commitment to protecting consumer rights and ensuring fair business practices. I look forward to a prompt and thorough investigation into this complaint.
04/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NJ 07111	Web
To whom it may concern, I was pre qualified/ Pre approved for financing on a XXXX XXXX XXXX Series priced at {$16000.00} approved for financing on XX/XX/XXXX. The process of approval was done with Carvana, monthly payments of {$380.00} and a down payment of {$5300.00}. This transaction is a consumer credit transaction with in connection to a Finance Charge. Title 15 USC 1605. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. What is being stated here is that the finance charge in connection with a consumer credit transaction shall be determined as the Sum Of All Charges, so any charge within this consumer credit transaction is covered by the finance charge on credit due to the fact that I am going into this transaction with my Credit Card ( Social Security Number ). The finance charge does not include charges of a type payable in a comparable cash transaction. On the approval application under the Total Purchase Price it clearly states Cash down payment {$5300.00} Total Due at Order {$5300.00} If the finance charge Does Not include charges of a type payable in a comparable cash transaction where does a down payment come into play? I was already approved for the vehicle and would like to properly receive my vehicle with in this consumer credit transaction. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. Insurance or Gap Insurance should be included within the finance charge aswell. Title 15 USC 1611 Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
08/10/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30809	Web
Both these companies are in violation of 15 U.S.C. Chapter 41, Consumer Credit Protection and 15 U.S.C. 1691, Equal Credit Opportunity Act per the following : I purchased this vehicle and appreciated how upfront Carvana appeared but was repeatedly caught off guard by undisclosed items, maintenance issues, and stipulations. Your auto loan is NOT financed via Carvana but a predatory lender ( XXXX ) with mounting negative customer complaints. I had no idea they were my lender until I started receiving calls and emails from them OUTSIDE of the 7-day grace window. They engaged in loan churning, inadequate and false disclosure, risk-based pricing, and subprime loans. They dont make pivotal info clear in the beginning and even your docs elude to remaining with Carvana which informed my decision to purchase. I research all companies that I spend my money with and would have NEVER purchased via Carvana if I knew they financed with this shady company. I have subsequently had several issues with XXXX as the financer to include learning that the 26 % interest rate that I have is ILLEGAL, a rep patronizingly informed me that this rate was very common over the phone and that I had to contact Carvana to have it changed which was false information. Carvana indicates there is nothin they can do. I then attempted to make several payments to lower my principal balance in XXXX which has resulted in further issues and despite attempting to address those issues in XXXX ( on a recorded call they refuse to pull ) and being reassured that I was again caught up I have made 4 ( FOUR ) payments on-time back to back and they have ALL went to interest with only recent payments partially and inconsistently going to my balance. A recent rep even stated she wasnt sure why my payments were being allocated the way that they were, but after speaking to management she gaslit me as if it was my fault for not understanding the discrepancies they refuse to address as recent as today, XX/XX/2022. Furthermore, My vehicle smelled like pets and I am allergic. The smell was slightly masked initially by their air freshener but despite using several others it wont go away. Carvana refuses to address this and only gave me {$100.00} when I was promised the full detail amount which is closer to {$400.00}. The car was NOT CLEAN AT ALL when I got it and they tried to skimp me on getting it detailed. It will cost a total of nearly {$400.00} for a complete detail as I am XXXX. Their marketing materials falsely assure customers that they go above and beyond especially during a friggn pandemic. The car conveniently had multiple issues arise just outside/around the 7-Day grace period. The XXXX XXXX department that I went to was extremely concerned and alluded to Carvana being shady as in her 30 years of experience shes never seen a new XXXX XXXX with so many issues and that it wasnt normal. Your time and resources are then wasted to get their vehicle up to par because they DONT fully disclose these things on the vehicle listing. I spent over {$500.00} in additional transportation to just get it serviced which is again a disservice to me as I am XXXX and these cars supposedly go thru extensive maintenance and preparations prior to sale. Also, the mileage was actually nearly XXXX OVER what was on the website and documents as well. Several Carvana customer service reps failed to follow up on website issues and one was extremely rude and condescending as he was unable to read my documents.
09/30/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 15132	Web
This Complaint was completed by I XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15USC 1692 a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15USC 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : UCC 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. Under The UCC, USC codes, and XXXX XXXX. Carvana/ XXXX committed known fraud in their contract which then breached the contract and voided this instrument of negotiation. I the CONSUMER XXXX XXXX extended credit for a consumer transaction an exchange to receive a vehicle from Carvanna who proceeded to take my Consumer credit card ( " Social Security Card ' and " Drivers License '' ) and drew up a contract and brought in a 3rd party who they state are under the umbrella of carvana and is represented by we, our and us which described them as one entity. No registering or bonding agent was present from either side to legally bind this agreement. Only a sales Representative by the name of XXXX XXXX. Furthermore I asked for the company to validate the debt 15 USC 1692 ( g ) it is any consumers rights to ask the validity of a debt with specific questions they did not answer or complete any portion of the forms sent. I the consumer XXXX XXXX also sent an Affidavit Of Truth that has multiple infractions and violations in which can only be rebutted line by line by the opposing party. Carvana / XXXX failed to do so. I demanded remedy for laws regulations and codes that were violated this company sent me letters of demands to collect a debt which is also a violation under 15USC 1692 d Harassment and Abuse. The company sent back all the CONSUMER 's materials back to the consumer without completion. This company has defaulted and now refuses to solve this matter.
01/29/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	ME 040XX	Web
On Friday, XX/XX/XXXX, I began browsing on Carvana and found a XXXX XXXX XXXX with XXXX miles available for sale at {$27000.00}. It was showing on the website as " pending purchase '', so I signed up for the email notification in case the car became available again. Lo ' and behold, a couple of hours later I get an email from Carvana saying the vehicle is available for purchase! I hop right onto the Carvana website and initiate the purchase process. The purchase process itself went very smoothly. I applied for and received financing from Carvana in the amount of {$29000.00}. I set up a {$1000.00} down payment to be taken, and completed the purchase. I received the congratulatory email saying that all we had to do was get ready for delivery. I received multiple emails and phone calls from Carvana about different topics, but all reiterating that the purchase had gone through and that my car would be delivered within 5-15 business day. The car itself is in XXXX and I am in Maine, so I am considered an " out of market '' customer that would need 3rd party delivery. Yesterday I get a phone call from Carvana and am congratulated that underwriting approved everything, and that Carvana would be posting my delivery request on whatever service they use to solicit third parties, and that I should expect my car sooner rather than later due to the relatively close proximity to XXXX. Carvana confirms that my {$1000.00} down payment will be taken from my bank account with my approval. I gladly tell them to initiate the transfer. Fast forward to this morning, this is where everything completely falls apart. I get a call from a Carvana customer service representative who tells me ( I'm going to summarize here ) 1. There was a " glitch '' on the Carvana website, and both myself and someone else bought the car at the same time! 2. Because of this glitch, the car is now unavailable to me. I wish I had recorded things on my end, because the customer service rep momentarily slipped up and said that the two of us may have no ordered at exactly the same time, but that since the other customer can take delivery of the car today, Carvana is going to sell it to them. 3. The recourse Carvana gives me is an offer to deduct {$300.00} off of the {$590.00} delivery fee, and suggests I buy one of the two other XXXX XXXX XXXX currently on their site. I point out to the rep that one is for {$34000.00} ( aka {$7000.00} more than the one I wanted ), and the other is {$36000.00} ( aka {$9000.00} more than the one I wanted ). 4. I asked the customer service rep if they thought it was a good business practice to ( 1 ) ding my credit score ( 2 ) take my deposit ( 3 ) give me every indication that the car is mine, and then call me and tell me the whole thing is off, with me now suffering from a credit hit, needing to wait for my {$1000.00} to be returned, and now scrambling to get a car before my rental from the crash is due this coming Wednesday. 5. The rep has the gall to say " I'm sorry you see it that way ''. I stated that this is not me giving me opinion, this is me stating the facts about what happened! At this point I am signed into a vehicle loan for a vehicle that will never be transferred to me for use. I have suffered damage to my credit score and lost purchasing ability with the {$100.00} tied up in a bank transfer.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 90026	Web
On XX/XX/2023 CARVANA ACCEPTED MY APLICATION FOR A CAR PURCHASE THROUGH XXXX XXXX XXXX. ON THE SAME DAY ATTACHED TO THE APROVAL NOTICE IT SAID THAT CARVANA WILL BE CONTACTING ME WITHIN FORTY EIGHT HOURS. THEY DID AND THEY TOLD ME TO GO ONLINE PICK OUT THE VEHICHLE THAT I WANT AND JUST FOLLOW THROUGH WITH THE PURCHASE ONLINE. THE PERSON I SPOKE WITH ALSO SAID THAT IT IS A SIMPLE PROCESS THAT WILL ONLY TAKE ABOUT TWENTY MINUTES. OK, SO THAT'S WHAT I DID. BUT WHEN I WAS ABOUT FINISHED WITH THE APLICATION I WAS AT THE PART WHERE IT ASKED IF I WOULD LIKE TO ADD A COSIGNER I ENTERED NO THEN TAPPED ENTER AND THE APLICATION PROCESS WAS PAUSED WITH A MESSAGE SAYING THAT THERE WAS AN ISSUE WITH GETTING MY TERMS. SO NOW I AM CALLING AND CHATTING ONLINE WITH CARVANA AND THEY TELL ME THAT I NEED TO CALL XXXX BECAUSE XXXX WOULD NOT ALLOW CARVANA TO DO A SOFT PULL ON MY CREDIT. IT WAS SATURDAY AND EVEN THOUGH I TRIED TO CALL THERE WASN'T A HUMAN AVAILABLE TO TALK WITH SO I WAITED UNTIL MONDAY AND CALLED A FEW TIMES AND TALKED WITH TWO PEOPLE ON THAT MONDAY AT DIFERENT TIMES BOTH OF THE REPRESENTATIVES ASSURED ME THAT MY CREDIT REPORT WAS NOT LOCKED OR FROZEN AND THAT THERE WAS NOTHING ON EXPERIANS END STOPPING CARVANA FROM OBTAINING A SOFT PULL OF MY CREDIT. THE REQUIREMENTS FOR AN APROVAL ON A CAR LOAN WITH CARVANA ARE 1, YOU MUST BE EIGHTEEN OR OLDER. 2, YOU MUST HAVE AT LEAST SIX MONTHS OF CREDIT HISTORY. 3, YOU MUST HAVE AN INCOME EVERY MONTH. I MEET ALL OF THESE REQUIREMENTS. AND WHEN I CALLED AND TOLD THEM THAT I SPOKE WITH XXXX THAT THEY ASSURED ME THAT NOTHING WAS BLOCKING CARVANA FROM GETTING A SOFT PULL CARVANA SAID I NEEDED TO WAIT FORTY EIGHT HOURS AFTER SPEAKING WITH CARVANA. AT THIS POINT I COULD ONLY THINK ABOUT HOW THE PERSON ON THE PHONE IN THE BEGINNING OF ALL OF THIS SAID THAT IT WOULD ONLY TAKE TWENTY MINUTES. SO I WAIT FORTY EIGHT HOURS AND TRY AGAIN BUT THIS TIME WHEN I GET TO THE PART WHERE IT SAID THAT THERE WAS A ISSUE WITH GETTING MY TERMS IT SAID NOW THAT THERE WAS A PROBLEM VERIFYING MY IDENTITY AND IT PRODUCED A BLANK BOX AND PROMPTED THAT I ENTERED MY SOCIAL SECURITY NUMBER SO I DID THEN I TAPPED ENTER AND IT PRODUCED ANOTHER EMPTY BOX THAEN PROMPTED ME TO ENTER MY SOCIAL SECURITY NUMBER SO AGAIN I ENTERED MY SOCIAL SECURITY NUMBER AND AGAIN A EMPTY BOX WAS PRESENTED ASKING FOR MY SOCIAL SECURITY NUMBER AND SO I CALL AND CHAT ONLINE AS WELL AND AGAIN CARVANA SAYS THAT IT IS XXXX THAT I NEEDED TO CALL XXXX AND HAVE THEM FIX WHATEVER IT IS THAT'S CAUSING THE ISSUE SO I CALL AND SPEAK WITH XXXX THIS TIME THEY CONNECTED ME WITH SOMEONE WHO WORKS ON THE XXXX SYSTEM AND THE MAN SAID THAT THERE WAS NO ISSUES ON EXPERIANS END THAT WOULD STOP CARVANA FROM GETTING THE INFORMATION CARVANA NEEDED TO COMPLETE THEIR APLICATION PROCESS THE MAN ALSO WENT ON TO SAY THAT CARVVANA IS LYING TO ME THAT THEY DO NOT WANT TO SELL ME A VEHICHLE. I DID SAY TO THE MAN THAT IF CARVANA DID NOT WANT TO SELL ME A CAR WOULD IT NOT BE A LOT EASIER JUST TO TELL ME THAT THEY WOULD NOT BE ABLE TO SELL ME A CAR BUT THAT MAN JUST BECAME IRRITATED BY MY QUESTION AND AGAIN SAID THAT CARVANA IS LYING TO ME! SO I GET OFF OF THE PHONE WITH XXXX AND I MAKE ANOTHER CALL TO CARVANA WHO NOW TELL ME THAT I NEED TO WAIT ANOTHER FORTY EIGHT HOURS AFTER TALKING TO XXXX.
02/25/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MO 63017	Web
I purchased a vehicle from Carvana at the end of XXXX, with a delivery date of mid-XX/XX/XXXX. The delivery was no issue, the loan was easy to receive, and the car was in great condition. The problems arose with the vehicle once I began inquiring where my title and license plates were, as the car came with temporary tags from a different state ( GA ) and they were due to expire on XX/XX/XXXX, When I received my loan from Carvana, the price of the title fee and registration was included in the financed amount, meaning that I could not go to the state of Missouri DMV and turn the papers in myself. Two weeks before the expiration, I called their customer advocate hotline ( the only number that is listed for the company ) and they told me that I would receive tracking the week prior to them being expired. That week came about and still nothing from Carvana. I called almost every day the week prior and still no update on why the car had not been registered or the paperwork had not been submitted. On XX/XX/XXXX, Carvana told me that they had no idea when my title or license plates would be arriving and they provided me with a rental car. After they had submitted the paperwork, it took an hour on the phone with them at the XXXX for them to submit the correct requests. Carvana would also not cover the {$50.00} damages fee and had a difficult time understanding what XXXX needed. The rental was nothing compared to the car that I was making payments on, while not being able to drive it. After I received the rental car, I began calling daily or every other day looking for updates on my plates since they told me that someone would have to be home to sign for the package. Every single customer advocate gave me a different answer, some said oh its in the hands of the DMV so we cant do anything and others said oh they submitted the papers wrong. It is now XX/XX/XXXX and not a single customer service advocate has any idea of where my paperwork is, when my title and license plates will be sent to me, or when I will be able to drive the car that I am making monthly payments on. In addition, the car came with a 100 day warranty, which has been wasted since the car is illegal to operate and has been just sitting in my garage. Carvana will do nothing to stop or pause the warranty or add additional days, even though all of their advertising mentions this great warranty. If I had known that I would be stuck paying for a car that can not be driven due to the companys negligence, I would have never signed a contract or even inquired about my auto loan. This is the fourth week that I will have not driven my vehicle, yet nothing can be done to pause my payments, so I am throwing money away every month on a car loan for a car that cant be driven. The Carvana customer service advocates state that my rental is equivalent to the vehicle that I purchased but I found it hard to believe that a small sedan is equivalent to a XXXX XXXX. I have spoken to customer service advocates that have tried to belittle my complaints and make me feel like I was in the wrong, yet no one can transfer my phone calls to the registration team that they constantly mention or to a manager that may be able to deal with my problems instead of reading from a script.
05/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 027XX	Web
Starting Thursday, XX/XX/2019 and ending XX/XX/2019 - I attempted to purchase inventory listed for sale on carvana.com ( VIN # : XXXX ) and as a result they conducted multiple hard credit inquiries against my person for inventory they DID NOT HAVE. My creditworthiness and reputation, for which I've worked diligently to reflect my character, means a lot to me and I feel violated by their deceptive business listing. Had I known they were misrepresenting their available inventory I would have never bothered trying to purchase it, and subsequently my profile would not suffer any negative impact resulting from the hard pulls accompanying the process associated with a purchasing attempt involving financing through Carvana/carvana.com On Thursday, XX/XX/2019 I started a process to purchase inventory listed for sale by Carvana on carvana.com. The inventory was listed as an XXXX XXXX XXXX XXXX series with VIN # : XXXX. The online buying process contained an error which resulted in complications and necessitated that I reach out to customer support through the chat feature, who admonished me to return at noon time the following day on Friday, XX/XX/2019. Actions were taken against my account by the carvana customer support representative in the live chat : information on my account was set and unset by the representative while the inventory was reserved to my account for 24 hours. It is during this period that I believe the telephone number on the account was altered to an incorrect telephone number. Upon returning to the website on Friday, XX/XX/2019, I reached out to Carvana customer support again. I was connected with XXXX who got me to the final step of signing contracts, but I noticed that the telephone number on the contracts was not my phone number and it was NOT the telephone number I used to sign up with on the website. It was off by a a single digit which is not in close physical proximity to the actual number. I told the agent this and she advised me to return again with the correct number but to hold off on submitting the request again through the website because it would conduct another hard pull. In the meantime she went ahead and reserved the inventory to my account ( supposedly ). I had to eventually contact 3 support representatives. XXXX, XXXX, and XXXX, respectively. They all made it such that the inventory was supposed to be held for me but while connected to XXXX who encouraged me to resubmit the purchasing form to schedule delivery the website had reported on Friday, XX/XX/2019 " This vehicle is no longer available. Your lock timer on this vehicle expired due to inactivity and became available to other customers. Don't worry, we have over 10,000 vehicles in our inventory with your personalized terms on every vehicle. Click below to find your next vehicle. '' In the meantime I've received confusing emails from Carvana which confirm the availability of the inventory and also the delivery dates. I don't know what to do. XXXX was on live chat when the car vanished from their inventory upon scheduling delivery. He couldn't tell me why it happened, so here I am reaching out for help because I've nowhere else to turn. The company deceived me and violated my credit profile.
06/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75043	Web
Advertising must tell the truth and not mislead consumers. A claim can be misleading if relevant information is left out or if the claim implies something that's not true. For example, a lease advertisement for an automobile that promotes " {$0.00} Down '' may be misleading and in this situation I felt I was misled in the transaction with Carvana after you even advertised that transparency in the car-buying process and in earning our customers ' trust every step of the way. We don't engage in unfair, deceptive or abusive acts in advertising or any other part of our Online car-buying process. I just hate that you guy were misrepresenting the cost of purchasing a vehicle ; by advertising that consumers could purchase vehicles at specific low prices when, in fact, the price of the car increased by {$5800.00} with the cash downpayment and if that was a downpayment I thought it would make the car price go decrease but instead you made it higher then what the price of the vehicle was. As stated in the law Cash payment. If the consumer makes a cash payment, creditors may, at their option, disclose the entire cash payment as the downpayment, or apply the cash payment first to any excess lien amount and disclose any remaining cash as the downpayment. In the above example : A. If the downpayment disclosed is equal to the cash payment, the {$2000.00} deficit must be reflected as an additional amount financed under 1026.18 ( bX2 ). B. If the consumer provides {$1500.00} in cash ( which does not extinguish the {$2000.00} deficit ), the creditor may disclose a downpayment of {$1500.00} or of {$0.00}. No cash payment. In a credit sale, the " downpayment '' may only be used to reduce the cash price. For example, when a trade-in is used as the downpayment and the existing lien on an automobile to be traded in exceeds the value of the automobile, creditors must disclose a zero on the downpayment line rather than a negative number. To illustrate, assume a consumer owes {$10000.00} on an existing automobile loan and that the trade-in value of the automobile is only {$8000.00}, leaving a {$2000.00} deficit. The creditor should disclose a downpayment of {$0.00}, not - {$2000.00}. Then not only that you didnt address the problem in my last complaint about the XXXX instead you sent me a template and even your executive resolutions representative XXXX said yeah it sound like a template and thats crazy they would do that and not only that he agreed that the downpayment was to high and pretty odd and doesnt line up with the algorithm because Carvana normally starts from monthly payment so he was confused on how that would even happen so I have asked for your response be accompanied by a sworn affidavit or under penalty of perjury because of questions I have and me receiving template responses. I need to act in good faith as I hear from you to make an informed decision about your claim that I that you have not committed the alleged allegations. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage I had to file this complaint Thanks for your cooperation
12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75150	Web
This is crazy. Went online to Carvana around XX/XX/XXXX this year searching for cars. I had received a pre approved offer for a {$1000.00} down payment, so I was just checking out cars and prices. Decided to fill out the info for the car I head been checking out. Had updated my contact info, verification, uploaded license, and was trying to enter my bank into when I was took to a screen with documents to initial and look over. I had just begun to read the fine print when I got a notification that my credit had been pulled. I hadn't even submitted any paperwork, nor asked to have my credit filed pulled! Furthermore, I wasn't going to go for the deal with the contract they were writing up due to the interest rate that had doubled the price of the car, then some. In other words, I hadn't signed anything, nor agreed to any credit checks. I immediately called Carvana to find out what was going on and ran into XXXX. I was very polite in asking him about the credit check, and the fact that I was never asked if it was ok to have them check my credit, nor did I sign any agreements, since there were none online to sign. He replied that there was an online agreement, that I just " didn't see it. '' I asked him to go online and guide me too that agreement. He agreed to do so, but after a few seconds, told me that I had already signed the paper work, and that my " signature '' covered it up so that it was no longer there. I had never heard of anything like that before in my entire life, and plus, I hadn't signed anything so I told him as much. We went back and forth as to why my credit was checked without my authorization, with him making up several different excuses, one being that they were a " different kind of car company '' and another that I had already finished the application, which I hadn't. That still didn't give them a reason to pull my credit without my consent. He said if I wanted the inquiry from my credit report, that I would have to contact XXXX because they wouldn't do it. I again told him I never heave then authorization to pull my credit ( sounding like a broken record by then ) and that's when he stated that once I started the application, that my credit was automatically pulled. " So, the credit check is implied? That's what you're saying? '' I asked, which irritated XXXX to the point where he stated that I was " asking him questions he had no answers to '' or something to that effect. He then asked if I would like to speak to his supervisor, which I replied I most definitely would. Once I was transferred to her, more of the same thing. The major difference being that she did email someone about how the credit check went but could still get no definite answer. Today I called XXXX to try and get them to take off the inquiry, and was told that since I knew who the company was, it was not considered fraud and that they could not take off the inquiry, that I had to make contact with Carvana and get them to lift it, which they won't! How could they check my credit without me even knowing or agreeing to it, or completing and signing any documents and contracts then submitting them?
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 701XX	Web
Dear, CFPB violations stated Below probably forgot something From XXXX XXXX XXXX Carvana did approval application XXXX XXXX-talked to XXXX XXXX he hates rights lied said he rhe owner -approved online XXXX XXXX approved XXXX XXXX - approved XXXX XXXX - approved Deceptive Trade Practices Act violations I already put in my credit application I was approved each time XXXX $ down payment like the Law states each company tried to extort me out of funds that's not required I state my consumer rights and can't finish my deal happened with each company purchased already happened have the orders and contracts gone through I'm confused i had delivery dates they let pass by I let each company know I have a family and we need a automobile for transportation to work to support our family and the economy I want my consumer rights protected sorry if I'm causing I problem with the fraud these corporations want to commit against the consumers they called and told each other I was trying to get an automobile lied about the amounts I was getting Financed, pursuant title 12 CFR 1026. And title 12 CFR 215 Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like progressive XXXX XXXX XXXX Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like progressive insurance if possible under the Consumer Protection Act Title 15 U.S.C 1662 no advertisements to aid directly nor indirectly installments or downpayments credit transaction failed to conduct a reasonable investigation pursuant to Federally Protected Consumer Rights notice of The violations i assert and atest single cause of action stimming fromnumerous and multiple willful, reckless or negligent violations of the FCRA ECOA TILA, and seeks actual and statutory damages pursuant to title 15 of the U.S.Cod ... against the law they made me get multiple unknown inquiries on my credit profiles after I was already approved they shopped and shipped my information illegal with my authorized nor consent pursuant titles 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7
11/16/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	TN 38016	Web
Regardless of my tone, I want to say thank you and let you all know that I appreciate you all 's willingness to listen, observe, and correct this matter : As an authorized representative, natural person, beneficial owner, and first lien holder of XXXX-XXXX, XXXX XXXX estate d/b/a XXXX XXXX XXXX-XXXX with a perfected security interest on the birth certificate of XXXX-XXXX, XXXX XXXX, I attempted to conduct business with CARVANA. However, CARVANA 's policy forces consumers to use a drivers license for purchase. It seems crazy that this would bother me ; but : the problem is that under the common law, the right to travel is an unalienable right ; and as a natural person, I offered them my right to travel card in place of a driver 's license, which expresses : " The Right to Travel ; The Right to Mode of Conveyance ; The Right to Locomotion are all absolute rights, and the police [ policy enforcers ] can not make void the exercise of rights. State v. XXXX, 60 s. 778, 779, and 781 '' I am using the car as a mode of conveyance for private matters. In addition, I offered their legal department my national I.D . pursuant to Title 18 U.S.C. subsection 1028. My National I.D., from an aboriginal government, takes preferential priority over birth certificates and driver 's licences, which are corporate identifications. Hear me out : As a XXXX American National, with constitutionally protected rights ; I am entitled to my liberty under the common law ; and CARVANA is in breach of the public trust and international law as it pertains to my rights as a natural, living person. Here are the exact breaches : 1. CARVANA 's policy is in breach of Article II of the State of Iowa 's Constitution of XXXX. The state of which my corporation was incorporated in. 2. CARVANA 's policy is also in breach of the Organic Constitution of XXXX ratified in XXXX. 3. CARVANA 's policy is in breach of International law pursuant to the United Nation 's Declaration on the Rights of XXXX People, which acknowledges our own forms of identification and the right to self-determination. 4. CARVANA and it's corporate workers are currently in commercial dishonor as it pertains to the Treaty of Peace and Friendship of XXXX, which allows their foreign workers to conduct commerce here in America. Furthermore, I do not consent to the XXXX of my rights. I am not obliged to produce a driver 's license. I also have the proper documentation to live securely with the full faith and credit of the United States of America ; and the UNITED STATES is obligated to secure the common law interests of the people protected by the constitution. No matter how many times our constitution was ratified, dissolved, neglected, and abused : First in time, first in right. Now : As trustees, I am placing the burden on you all to fix this matter with not only the STATE OF IOWA, but also CARVANA. I'll save the DOT for later. Trust me, this is not only in the best interest of myself, but also all Americans who don't know that they're being abused! I was once ignorant too!
08/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	CA 95621	Web
I am writing to formally lodge a complaint against Carvana, a company that prides itself on its online car sales and delivery service. My recent experiences with Carvana have been characterized by severe inconveniences, subpar customer service, and potentially deceptive business practices, which I believe breach the Consumer Rights obligations. On XX/XX/XXXX, I was scheduled to receive the delivery of a vehicle that I purchased from Carvana. Without prior notice, the delivery was abruptly postponed to XX/XX/XXXX, with a delivery slot of XXXX to XXXX. I was notified about this change less than 24 hours before the prearranged delivery date, causing significant disruption to my professional and personal commitments. On contacting Carvana 's customer service representatives- XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX - to request an earlier delivery time within the new window, I was met with a lack of professionalism and courtesy. Notably, XXXX ended our call prematurely, exhibiting a clear neglect of duty and lack of customer care. To alleviate the inconvenience, I suggested picking up the vehicle myself from their delivery hub, a proposition that was dismissively rejected without consideration. This refusal to accommodate a reasonable alternative solution further underscores Carvana 's lack of customer-centric approach. Further exacerbating the situation, the delivery driver, XXXX, agreed to meet me at a closer location but maintained the same XXXX, despite the new address being 20 minutes closer to the original delivery location. He informed me he was coming from XXXX, contradicting Carvana 's previous claim that the vehicle was in XXXX. This disparity in information raises serious concerns about the transparency of Carvana 's operations and potentially misleading business practices. Moreover, XXXX failed to meet the rescheduled delivery time of XXXX XXXX XXXX he sent to me and the proposed delivery window of XXXX to XXXX. This resulted in me being late for work, causing further professional inconvenience and loss. Despite escalating these issues to the CEO 's attention, my complaint was ineffectively redirected to the same department responsible for the aforementioned issues. Carvana 's response to these significant service failures has been to merely offer their standard 7-day return policy, a default provision to all customers, instead of providing a satisfactory resolution or compensation for the distress and inconvenience they have caused. In light of these experiences, I am compelled to believe that Carvana has not only breached its service commitment but also fallen short of the fundamental principles of customer service and corporate transparency. Through this formal complaint, I implore the Consumer Financial Protection Bureau to intervene in this matter and secure a resolution that appropriately addresses the hardships and unsatisfactory service I have endured. Thank you for your immediate attention to this pressing matter.
08/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	IN 46060	Web
I started a purchase with Carvana in XXXX XXXX XXXX, after I received my pre-approval information that month, I setup for my XXXX XXXXXXXX XXXX to be delivered to me, this was submitted on XX/XX/XXXX, I signed documents for the vehicle prior to the vehicle being delivered. The vehicle was delivered to me on XX/XX/XXXX, with the idea that if I did not like the vehicle for any reason I could swap it- no problem nice and easy. The next day I decided I would like to swap the vehicle for a different one. The vehicle was supposed to be delivered XX/XX/XXXX, after going all day and not hearing anything from them I checked the delivery- it had been cancelled, with no call or explanation. I called Carvana and spoke with them, they told me they weren't sure why this happened but it was unacceptable and they would be looking into it and calling me back. After a week of them not calling me back, I called them, as nothing was appearing on my Carvana dashboard. Carvana told me then I could still swap the vehicle, when I tried to they did not hold my financing terms, even though it was their mess up. Since this was the case I moved on and decided to keep the XXXX XXXX. There were still issues when my mechanic tried to call to put in their claim for repairing the rear brakes on the vehicle, Carvana told them the vehicle had been returned and wasn't owned by anyone. Once my mechanic told me this, I called Carvana. Carvana told me that my contracts had been cancelled out on the XXXX when the swap was cancelled, and that they had to rebuild my contracts- which would take 2-3 weeks. I was told I would hear from a case manager within a couple of days, I didn't get a call back from the case manager for weeks, around the third week of XXXX the case manager called me and left a voicemail. I called Carvana again to check on my contracts, and spoke with someone else in the department who was in leadership, he told me that they would get it fixed right away, and work on the contracts. Now today, XX/XX/XXXX, I have received an email stating that if it has been more than 45 days from my date of purchase that they will run my credit again and change my terms based on this. Which is absurd considering this entire situation. Mind you they also went ahead and ran my credit anyways, prior to that email, and without my authorization, which I received two emails earlier today that alerted me of that. In the entire time I had phone calls with them, no one said that my credit would be ran or my terms would be changed, because that makes no sense to do to someone. Now at this point my terms will change, and will reflect the multiple credit inquiries that I've had from Carvana and other things I have done. This should be an illegal practice, not only did I get told everything would be easy, but after they messed it up they have made no efforts to make it right and now my credit worthiness is going to take a massive hit and my terms are going to be outrageous.
02/23/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30339	Web
Hello, My name is XXXX XXXX, and I am writing on behalf of the horrible experience I had with Carvana. I purchased a car on XX/XX/2021. An hour after the car was left, it started to make a very loud screeching sound. I called early the next day to start the exchange process. Every representative I spoke to informed me of something different. They are all " working from home '' so I was never routed to the correct person and was stuck repeating myself over and over for hours. I was informed by each representative that an exchange would be an easy fix but it was anything but easy. Most of the reps I spoke to informed me that the previous rep. kept poor notes ( if any at all ). Each rep told me something different and I was informed that I could not just work with one person. I was waiting hours on the phone, and this is no exaggeration, unfortunately. The system registered the swap as a new sale and they wanted to run my credit all over again ( creating another inquiry ). I told them ( them being about 5 different people ) this was an even swap. Finally, after about 2 hours they said they fixed the issue on their end. The following day, I was told that the delivery date for the new car was unclear because the car " got lost '' during transport. By then, my other contract was cancelled so both deals fell through. After days of this back and forth, I then informed the representative that I didnt want to get a car with carvana at all. I was then told that my income verification was questionable although the representative that completed it called my bank from their line ( not my line ) and verified each deposit down to the penny. At this point, this seemed like a way to drag out the return of this vehicle. If there was a question about my income, why was the car not picked up and the whole sale voided then? So now months later, this car has never been picked up. My credit was run again last month to make it look like this sale was recent. The car is now being reported to my credit after months of it falling in the cracks. I believe this error on Carvanas part is now being shuffled to make it look like I am not paying for this car ( that I clearly said I did not want ). The idea that there was fraud with the income verification just allowed Carvana to stop taking my calls. I was vehemently calling to ask them to get the car. I kept asking for a DIRECT EMAIL OR NUMBER TO A REAL PERSON, but was deflected each time asking me to send a letter. I sent two letters, and still have not heard back. I am asking for someone to look into this to see the obvious failure on Carvanas part to make this right. I am asking for this car to be taken out of my name and for my credit to be restored, upon an investigation. The car is still waiting to be picked up and has not been driven. I am also reaching out to consumer and federal agencies to rectify this as well as this is now costing me time and money. Best, XXXX XXXX XXXX
04/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 34786	Web	Servicemember
Carvana XXXX XXXX, is stalling on picking up a vehicle, that I have been trying to return for since XX/XX/XXXX, two days after I picked up the car, I called and spoke to them and let them know that the tan interior of the car was dirty, the drivers side inside of the door, was not represented in the pictures, the inside rear view mirror didn't turn., the breaks were squeaking, the informed me to look for other cars we picked a XXXX the XXXX XXXX payment was over {$950.00} a month, they ran my credit again and told me if I swapped the XXXX for the XXXX it would not be possible, because my payments could go any higher than XXXX $ I told the finance person that was stupid, Im already gon na pay over {$900.00} for the current vehicle, he said After the credit check 3 days after I picked up the XXXX XXXX told him, never mind, he then had a woman help me for two hours looking at vehicles as I sat on my phone, she was suppose to call me back in 2hours never did, I was running out of time as I had seven days to return the XXXX on XXXX, XXXX, I told them I want dto return the vehicle and was assured someone would call me the next day, I never spoke to anyone, On the XXXX seven days After I received the car, I called and their was a 4 hour hold time, which I help for 46 minutes and the call dropped, I called back, and they said no escalation ticket had been created, I called the XXXX they said, an error had prevented them from scheduling a day to pick up the car, on Saturday the XXXX I called and was transferred, on Sunday the XXXX I spoke to man named XXXX who said he saw that I had been trying to return the car, and that he saw the evidence of all my phone calls and that the ball had been dropped several times. Today which is XXXX ; XXXX XXXX, I spoke to XXXX who informed me that it would take a minimum of 5-10 days for caravan to pick this car up, that he saw all the errors and that another ticket was being created. I told him that isn't acceptable, As I have been trying to return this car for over 12 days, he read through the notes and apologize the gave me arcana Headquater address, I informed him that I was gon na write the consumer financial protection bureau, because I have this car insured and I have reached by 400 miles, I was informed that the were extended it to 600 miles by XXXX, XXXX, and the young lady from Saturday. I don't know what else to do. I am have tried, their are several notes in the computer, extensive notes about me calling, and XXXX informed me he saw that I had been diligently trying to return this car, I am a XXXX XXXX veteran, who suffers from XXXX XXXX and XXXX XXXX, I am frustrated and find it very unkind, that the will not e follow through, and that I have to go to this length to have them come get this car, 5 business days from now is the first week of XXXX and 10 would be the second week of XXXX, that I have a car I have to keep insured, not driving AT ALL, which is crazy
01/09/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MI 48601	Web
I XXXX XXXX a consumer entered into a consumer credit transaction with Carvana on XX/XX/2022. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. My property was supposed to be delivered to me on XX/XX/2022 but later found out that Carvana refuse to release my property because I didn't verify my income for a down payment. Pursuant to 15 usc1662 I know that I'm the Original creditor and just extended my credit to Carvana so they should not have been asking or promoting that a specified down payment is required in connection with any extension of consumer credit unless I asked for it. I was so upset I've been having headaches and I will not stop sweating. Upon speaking to a live representative on XX/XX/2022 named XXXX from the Arizona location she too continued to tell me I had to make a down payment to receive my property. I proceeded to her I couldn't and that would be Illegal, and I would not make the payment. XXXX told me contact their office to fix my problem. Later on, the same day I called Carvana and was connected with XXXX in the department of verification at the Arizona location he was rude, and I told him that this was a consumer credit transaction and that I had purchased the car and put security interest in my property with my credit card pursuant to 15 usc 1602 with my open-ended credit plan, so it was no need for down payment because that would be Illegal. he told me I didn't pay for it with my credit card and that federal law meant nothing. I told him the contract was under federal law he did not care. At this point I had to take a break and hang up because I felt a XXXX XXXX coming on. I decided to call one more time later on the same day and was connected to a supervisor who yelled at me and basically and told me I had to make a down payment, or I wouldn't get my car. I told her that was illegal, and I asked for the audit trail of the alleged loan since she said I got a loan from Carvana, and she refused. She then referred me to XXXX XXXX from the Department of verification which I once again told her this was a consumer credit transaction, and that the car is paid for with my credit card and she told me I had to make the down payment as well or would not receive the car. I asked her for the audit trail to the alleged loan and she refused and pursuant to 15usc 1691 I have the right not to be discriminated against and a free copy of any appraisals and valuations developed in connection with the applicant 's application for a loan that is secured. I can't believe that Carvana is really furnishing certain deceptive forms pursuant to 15 usc 1692j and also not giving me the right to recission pursuant to 15 usc 1635. Carvana also committed identity theft pursuant to 15 usc 1602 ( p ) because they ran my credit card, and I received no benefits.
10/05/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TN 37660	Web
I purchased a XXXX XXXX XXXX # XXXX on XX/XX/2022 I had an auto loan with XXXX, but refinanced it with XXXX XXXX XXXX XXXX. XXXX was paid off on XX/XX/2022 and they sent a lien release on the title. However, XXXX XXXX XXXX XXXX still can not place a lien on the title because the title is not clean. I reached out to XXXX XXXX XXXX 's XXXX in XXXX XXXX, TN to find out why there is no clean title. Per the XXXX XXXX XXXX, the current lienholder on the title is Carvana. I do not owe Carvana money on this car, nor have I ever. Carvana should not be the lienholder since financing was never done with them. I reached out to Carvana back in XXXX when XXXX told me that Carvana would never release the title to them. Carvana stated they didn't have it. No one has ever been able to obtain a title to this car. Today I found it it was because Carvana is in fact listed on that title as the lienholder. In essence, they are blocking the actual bank that is financing this car, XXXX XXXX XXXX XXXX, from placing their security XXXX on it, resulting in me having an unsecured loan. XXXX XXXX XXXX XXXX is telling me now that since I can not produce a clean title, my interest rate is going to go up, which will result in a payment increase of over $ XXXX. It is not fair that I have to pay an unsecured interest rate on a car that Carvana will not release the title to. They sold me the car, it should have a clean title. XXXX XXXX XXXX XXXX wants me to resolve the issue and get their title to them. I don't know how at this point. I need some help with this. I am just now finding out that Carvana is in fact the problem, as they made themselves the lienholder during titling and never released it. XXXX XXXX XXXX XXXX XXXX XXXX department located at XXXX keeps sending me letters stating I need to give them information so they can place the lien. I am unable to make that happen. Carvana is the only one who can because they are listed as lienholder. Now XXXX XXXX XXXX XXXX has sent me a letter referencing account # XXXX saying my APR is going up. I was told verbally on the phone 2 weeks ago that they have waited long enough and my rate is set to increase on the next billing cycle. I feel helpless because no one involved will help me. I can't afford to pay additional payment amounts because Carvana wants to tie my title up and won't make an effort to release it. XXXX XXXX XXXX XXXX will only communicate by snail mail, no email, so every time they have sent me a letter or form, the difference in postmark date VS receipt date is over 20 days. Time is of the essence with this and every time I think it is resolved, I get another letter from them that has been in USPS route for over 20 days from CA to TN. A phone call or email would be nice, but every single step is snail mail. This has had a great contribution to the time delays with this situation.
01/04/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 30168	Web	Servicemember
Hello, I 'm contacting you in regards to some concerns I have with the way your employees at your headquarters are handle business practices within your company. I recently applied for a car loan on XXXX XXXX and was given options on my loan based on my consumer report and annual income. When I contacted your reps to verify nothing else was needed, I was told only my license needed to be uploaded and my check stubs just in case your underwriting dept needed them. After uploading these documents, a few days after the holidays I contacted support to get the status. I was then told some information that was incorrect and wanted to speak with a supervisor, after being connected with team lead XXXX in Arizona instead of being assisted with my concerns on what I originally called in about I was attacked with all kind of questions that I felt was unnecessary to ask being the underwriting dept had already emailed me with a few things that were needed to move forward and out of those things I only needed to provide one. XXXX began to ask questions that I felt were inappropriate for him to ask. He also informed me that on a previous application that was submitted months before there was n't any verification done for a fraud alert I have on my credit report, also informing me at the time there was n't one on the report and that 's why the verification processes was n't done. I then contacted XXXX to make sure this was true and it was verified it was n't. After receiving the initial email of documentation that was needed after getting off the phone with XXXX I received another email and suddenly documentation requirements changed. XXXX not only went on Secretary of State to investigate the company but also accused me of not being an employee but the owner! After, I explained that I was no longer affiliated with that part of the business and was just an employee XXXX he continued to find other unethical reasons why they could n't go any further. " The number on the account created with XXXX did n't match the number on my credit report '' even after I verified the number on my report with XXXX he never took the proper measures to verify me which was calling the number listed on my consumer report and verifying security questions. I 'm disgusted with the way I was treated and investigated despite the information I provided and furthermore I feel as though decisions were made based on feelings and not fair business practices. After, resolving that issue XXXX wanted additional information other than the check stubs I provided. He began to ask for scanned documents from the bank even after I provided my check stubs and bank statements from a legit bank institution showing proof of income. After, complying with all his requirements he still refuse to approve my application
11/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	PA 19141	Web
1026.1 Authority, purpose, coverage, organization, enforcement, and liability. a ) Authority. This part, known as Regulation Z, is issued by the Bureau of Consumer Financial Protection to implement the Federal Truth in Lending Act, which is contained in title I of the Consumer Credit Protection Act, as amended ( 15 U.S.C. 1601 et seq. ). This part also implements title XII, section 1204 of the Competitive Equality Banking Act of 1987 ( Pub. L. 100-86, 101 Stat. 552 ). Furthermore, this part implements certain provisions of the Real Estate Settlement Procedures Act of 1974, as amended ( 12 U.S.C. 2601 et seq. ). In addition, this part implements certain provisions of the Financial Institutions Reform, Recovery, and Enforcement Act, as amended ( 12 U.S.C. 3331 et seq. ). The Bureau 's information-collection requirements contained in this part have been approved by the Office of Management and Budget ( OMB ) under the provisions of 44 U.S.C. 3501 et seq. and have been assigned OMB No. 3170-0015 ( Truth in Lending ). ( b ) Purpose. The purpose of this part is to promote the informed use of consumer credit by requiring disclosures about its terms and cost, to ensure that consumers are provided with greater and more timely information on the nature and costs of the residential real estate settlement process, and to effect certain changes in the settlement process for residential real estate that will result in more effective advance disclosure to home buyers and sellers of settlement costs. The regulation also includes substantive protections. It gives consumers the right to cancel certain credit transactions that involve a lien on a consumer 's principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. The regulation does not generally govern charges for consumer credit, except that several provisions in subpart G set forth special rules addressing certain charges applicable to credit card accounts under an open-end ( not home-secured ) consumer credit plan. The regulation requires a maximum interest rate to be stated in variable-rate contracts secured by the consumer 's dwelling. It also imposes limitations on home-equity plans that are subject to the requirements of XXXX and mortgages that are subject to the requirements of XXXX. The regulation prohibits certain acts or practices in connection with credit secured by a dwelling in XXXX, and credit secured by a consumer 's principal dwelling in XXXX. The regulation also regulates certain practices of creditors who extend private education loans as defined in XXXX ( b ) ( XXXX ). In addition, it imposes certain limitations on increases in costs for mortgage transactions subject to XXXX ( XXXX ) and ( f ).
07/10/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	IL 60477	Web	Servicemember
On XXXX XXXX, 2017 went online as an referral to purchase vehicle from Carvana ; on the first call there was system issues with security questions to get me verified after 24 hours that was resolved. I did everything that they request uploaded documents 3-way call with bank to verify funds. Car was delivered a week after delivery a rep called stating that my contract had not been signed ( after I did a total of XXXX via links provided online ) I advised rep that purchase price did not reflect the {$500.00} discount for being referred my vehicle did not come with gas card nor had I received referral code so that I can refer others as I had been referred. She stated another contract would be drafted and email it arrived I did as I was suppose to signed the contract. Received payment details in mail made first payment as agreed to lender now on X/XX/2017 was contacted by rep stating their accounting team did an audit and it revealed that my down payment was never collected due to a " SYSTEM GLITCH '' she wanted to process payment I advised that I was out of town on vacation and would call to resolve issues once I get home review banking documents etc was in a public place was n't a good time to discuss personal business she continued with my payment just be made to keep contract valid and did I not notice the draft, do n't i have online banking so I can review or can we call bank on 3-way to review transaction I declined and told rep again that I am in a public setting away from home it was n't a good time. My complaint is system related it is not a consumer issue and they should not be called and harassed about a financial matter that was on their end it took them 2 months to discover the error and no one has mentioned the {$500.00} discount I was to receive off purchase price for being referred nor have I yet to receive {$100.00} per referral for the 5 people I referred to Carvana. Was advised to tell people to give my name city and state and they will receive {$500.00} off purchase price and I would receive {$100.00} for the referral so the way I see it that Carvana owes me {$1000.00} ( {$500.00} off my purchase price and {$500.00} for my referrals ) also my gas card that every one receives with purchase. I also did not receive an owners manual was advised that it would be emailed to me and that I would receive gift card for gas in the mail which none of the above has happen. I have received numerous calls and emails threatening my contract. Which I have made 2 payments to finance company ; just do not want to wake up to a repo etc due to their system issues. Their system didnt draft my down payment, process my gift card, or referral credits.
05/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	TX 75043	Web
Hey you guys legal team told me that Carvanas business operations are compliant with applicable local, state, and federal laws and regulations. So whats up with you guys asking for cash down Im entering a consumer credit transaction because if its having a finance charge that means I have entered in a credit transaction and the finance charge is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit Which are ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system of additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss And when I was trying to ask what type of transaction am i entering into she said I can find out on the website I said I dont see the finance charge and I dont believe I will see my terms for the extension of my consumer credit she said yeah you can I dont have to tell you because its on the app and on the website and when I went to both locations it failed to describe the nature of the transaction Im entering or what my finance charge is so I informed her without the informed use of credit that hurts our nation and she said is there anything else to help you with I told you where to find the disclosures and this is after you guys stated there where no wrongdoing and yall havent received the documents in the mail which was a purchase order : a document authorizing a seller to deliver goods with payment to be made later. That doesnt say anything about up front not to mention you guys act that wasnt a binding agreement but if you can look on page 3 of the purchase order it says in bold the following : Buyer acknowledges receipt copy of this Agreement. No oral agreements or understanding apply. This Agreement is not binding until accepted by an authorized representative of Carvana which seems to show XXXX XXXX and who position is Vice President CARVANA XXXX XXXXXXXX XXXX and thru all your actions has caused nothing but harm and distress to my life and I feel I have exhausted all my options and have no choice to give you proper notice of a possible claim against your Texas XXXX XXXX XXXX which protect me from malpractice and fraud by extending credit to the dealership whereby the principal, the dealer, is required to pay out on any claims. And if we can resolve this matter please contact me XXXX XXXX
11/28/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NM 875XX	Web	Servicemember
On XX/XX/2022 I submitted a brief CFPB complaint, complaint # XXXX, detailing the fraudulent practices employed by Carvana in their business with me. I also reported XXXX, Carvana 's overly close pet financier. I reported XXXX because they continue to act as some sort of weird henchman covering up Carvana 's fraud. Carvana issued a response to my initial complaint that was the mere distillation of backdoor negotiations held between me and XXXX on Carvana 's behalf. I am pretty sure that XXXX attempting to sweep Carvana 's fraud under the carpet, is the furtherance of fraud. But anyway, this complaint is because Carvana refuses to even follow through on the recent promises they made the CFPB and myself in their response. Carvana has possession of the vehicle and has had possession of the vehicle since it was impounded by law enforcement following its recovery from a theft. I originally attempted to collect the vehicle, but have been unable to because, well I don't own the car, and never have. Carvana sold me a car they didn't own. I am fairly certain Carvana has never owned the car. If they have, they have refused to provide evidence of title once to many requests. So, Carvana is the only organization or person who can possess the car. To be clear, if Carvana claims they don't possess the car. They are lying. They are playing legal semantics and it is more evidence of theiXXXX XXXX tactics. Continuing on, Carvana is attempting to coerce me to process this loan cancellation through their internal customer satisfaction process. I find this disingenuous, and the process is likely being used to cover internal evidence of fraudulent practices. Carvana demanded I submit payment to bring the loan current before they would rescind the loan. They also promised to send me all previous and these additional funds as soon as they cancel the loan. I want to be very clear. I am not a mere disgruntled customer. I am a victim of real fraud perpetrated by Carvana with real damages. I am almost certain that this " loan back out '' that Carvana was attempting to process is not an above-the-board way of Carvana fixing the fraud they conducted during our business. I choose to not participate in any more of Carvana 's fraud. Much as I refused to participate in Carvana 's requests to doctor and forge registration documentation so that I " could make an insurance claim '' on their stolen vehicle. Seriously Carvana, read this, process it, and do the right thing and cease this fraud. Honor the agreement you told the CFPB you were going to do. This complaint wouldn't exist if you had done what you said you would. So, keep that in mind the next time we talk.
01/20/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NJ 088XX	Web
In XX/XX/XXXX, I secured a loan for a XXXX XXXX XXXX through an online car vendor, Carvana. At the time of the purchase there was a limited warranty in effect. I drove the car the day it was delivered and heard a clicking ( or rattling noise ), but assumed it was a characteristic of the vehicle make ( XXXX ) since I had never owned one before. Immediately following delivery of the vehicle ( the following day ), the car would not start. I had it towed to a recommended repair facility ( XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) where I had informed them of my concerns and asked them to ensure that the any necessary repairs were taken care of. Although I did not feel satisfied with the response that I was told it was only a battery that needed to be replaced, I trusted what I was told since the vehicle was looked at, at a licensed repair facility. Fast forward a month or two, I was directly impacted by the current pandemic by being laid off of my job, XXXX XXXX for the XXXX and having and owned a " new '' vehicle that I was having issues with. I called back and spoke with a woman about this issue who instructed me to take the car back to a repair facility, however I was unable to take the car since I knew I had to quarantine for the safety of myself, family and others. About a week ago now, the check engine light in the vehicle came on but at this time, I am approximately 5k miles over the mileage limit to be covered under the manufactures warranty. I had to have the truck towed to the dealer as it was not reliable at the time because it would shut off had I attempted to drive it. Ultimately, I ended up paying approximately {$400.00} out of pocket for the repair which should not be responsibility. I KNEW there was a pre-existing issue and made multiple attempts to inform who I needed to, however the repair facility, warranty company AND dealer never documented my attempts to have this issue resolved. I spoke with a helpful representative today ( XXXX ) who said that he could see in his system a record of my calls, but then transferred me to a woman who said she could not and she disconnected the call once I informed her I would write a complaint to the CFPB. I advised her that I had spoken to their warranty company XXXX XXXX XXXX XXXX the day prior and was told that all she had to do was to inform them of the documented issue, however she is saying that it was not. As a customer, I feel that I am being treated unfairly and subjectively without the root of the issue being addressed. I am out of work and have an additional financial burden at this time and now the vendor will not assist in resolving my issue.
04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78728	Web
Contacted Carvana on or approximately XX/XX/2021. Explained that I had an open case with the XXXX County Sherrif 's Office in regards to someone using my personal information for identify fraud. Explained that I saw a hard inquiry from Carvana on my XXXX credit report and wanted to learn more at that time. I was told by that Carvana representative that they could not tell me anything over the phone and I would have to email XXXX and provide them with the case number. I emailed that email the same day and provided the Sherrif 's office number, the case number, and my contact information as well. I called back Carvana XX/XX/XXXX, as I had not received any sort of communication. The Carvana representative asked me for a VIN for the car. I stated I didn't know what she was talking about and that I wasn't provided any information last time I called. She stated Carvana should have provided me with a VIN to attach in the email I sent. This VIN is for the car the person attempted to purchase with my information. I then emailed XXXX the same day and provided the VIN. They said I should definitely hear back by XX/XX/XXXX. I contacted Carvana on XX/XX/XXXX, and explained to the representative XXXX XXXX or XXXX XXXX of the ongoing issue and lack of contact. I explained that the XXXX County Sherriff assigned to my case was also have difficulty getting ahold of a human when attempting to call. I was placed on hold and when she came back on the line she stated " unfortunately there is nobody available to answer your questions. We don't have a fraud department. You will just have to wait until someone responds to the email '' I explained I had already been waiting and I did not believe anyone would reply to me. I asked to speak to a supervisor. After being placed on hold I then spoke to someone named " XXXX '' who claimed to be a supervisor. He stated going through email was incorrect and that I would have to send a physical letter to their Underwriting Office in Arizona if I wanted to learn anything else. I asked if Carvana could just provide relevant documents to the Sherrif 's office. He stated " I can't go over anything over the phone ''. I asked if Carvana kept any security footage so it could possibly be used to identify who was using my information. He said " I can't go over anything over the phone ''. I stated I felt like Carvana was intentionally obstructing an open investigation by refusing to even contact the police. XXXX sighed and said to write a letter, quickly said the address before I could write it down and hung up on me.
03/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 282XX	Web
Terrible experience. I bought a XXXX XXXX XXXX XXXX XXXX. It died within three days of receiving it. I gave Carvana the benefit of the doubt and swapped it for the same model and year at the same price but with XXXX more miles. I was notified day of delivery that the second car had a damaged moonroof headliner which was not shown nor disclosed in the online photos or description. The delivery driver said they would write a ticket for it to be fixed through their warranty program. The replacement car showed the same symptoms as the first one " Service Required '' " Low Battery '' within 24 hours and died in my garage within three days. I called requesting a solution. Their solution was to take it to their warranty partners to get it fixed or swap it one more time. BUT if there were any issues with the second swap, then I would be stuck with the car and have to go through their warranty program for repairs. When I did more research, the first car they delivered to me arrived to them dead. Carvana took the car to XXXX XXXX for diagnostics and repair. Carvana only disclosed to me via phone that the check engine light was on and the car just needed a downstream O2 sensor replaced which would extend my pick up time. I agreed. I asked about the repair and the guy told me he had no idea what it meant or the impact, that's all the info he had. When I picked up the car, he told me they also replaced the battery with a new one. There is NO way the two cars I received were in their inventory with no issues. There was no ability to speak to anyone other than a customer advocate. After the second car died, I called to request my money back but no one knew how to update the system or figure out what needed to happen to proceed. I respectfully requested they reach out to management to figure out next steps instead of talking back and forth on the call and never received a call back. Carvana is selling cars that put owners and other drivers in danger and take no responsibility. The process for selling your car to them is very easy, but steer clear of buying a car from them. The only positive experience was the customer service from XXXX and the second delivery driver - his last name was XXXX. I talked to multiple people throughout this process and they were the only people I spoke with during the whole fiasco that were knowledgeable and helpful. Also a heads up, if you swap, you have to sign a new purchase contract and every time you sign, it's a hard hit to your credit regardless of whether you return the car or not.
11/10/2022	No	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	GA 302XX	Web
Attention : XXXX XXXX XXXX On XX/XX/XXXX XXXX and it's registrant agent received certified letters of the following : I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. On Monday, XX/XX/XXXX, I was on your website researching a car to purchase using my credit. My intentions were to trade in my vehicle with no cash as part of the credit sale or a purchase money transaction nor no down payment and stay in strict compliance with TILA and Regulation Z. I found a XXXX Red XXXX XXXX that I wanted to purchase and was approved for ; however my opportunity to purchase was denied due to a down-payment. From my knowledge and extensive research, when a consumer trades in his or her vehicle and there is an existing lien on the vehicle to be traded-in exceeds the value of the vehicle, the dealership must disclose a zero ( {$0.00} ) on the downpayment line rather than the negative. According to the Truth in Lending Act ( TILA ), a downpayment is used only to reduce the cash price. On the documents that I have and will provide with the letter your current balance is higher than your cars value. This is known as Negative Equity. With your denial because of negative equity and your representative stating to me that CARVANA could not apply my existing lien because the loan would be upside down, she and CARVANA subjected CARVANA to false and deceptive business practices. I also would like to point out that the information I have stated I had been approved for financing. Considering that I did not benefit from this transaction, there were unauthorized use of my credit card. CARVANA benefited from the transaction from the use of my credit card ; however, the consumer received no benefit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. CARVAVA is directly violation of 15 USC 1642, 15 USC 1681m and 12 C.F.R. 1002 because I made an application in good faith, but was not issued any credit. The representative could have easily taken the down-payment she was requesting and included in the finance charge. The finance charge is the total of all charges in connection with my consumer credit transaction and charges can be included in the finance charge for my benefit. I am requesting in good faith that we resolve this matter by continuing the trade that I am requesting. Respectfully, Consumer Name Without Recourse.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30071	Web
I am resending this to Carvana as they asked me to refile it with my information and email on file through there XXXX company.My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/68 and my email on file is XXXX, I purchased a vehicle through XXXX and a hour after purchasing it all the lights came upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very XXXX and was and still am in the XXXX.My XXXX reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by Carvana and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, Carvana and XXXX XXXX have committed.. I also have another contract with different dates, updated and emails and calls between XXXX XXXX and myself
06/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	WI 53151	Web
On XX/XX/XXXX I XXXX XXXX, did a pre-qualification for financing with Carvana LLC on that very same day I placed an order for a XXXX XXXX XXXX XXXX XXXX. I provided all necessary documentation for approval I provided documentation between XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I was approved and had a delivery date set for XX/XX/XXXX. I called on XX/XX/XXXX and had the delivery date rescheduled for XX/XX/XXXX. On the date of delivery I got a call from XXXX claiming shes a specialist at Carvana LLC which is a vague statement what does she specialize in? She stated I provided a paystub and whenever a paystub is provided they have to verify income even if thats not a requirement. When I applied I never was ask for income verification I submitted the paystub to verify my address. They asked for identity verification and address verification never for employment verification but yet XXXX tried to verify my income 3 hours before my delivery time. XXXX asked me for additional information which was my manager/ supervisor contact information I successfully provided XXXX with such information, XXXX stated she would call and verify my employment/income which was not a requirement. XXXX contacted me 30 minutes later and admitted she did not contact my employer instead she did her own research which is her opinion so she canceled my vehicle delivery based on her opinion about the company because they dont have a website but theyre registered with the state. XXXX stated unfortunately because my employer doesnt have a website and she couldnt verify employment I would not be getting the vehicle I was promised. XXXX also made it impossible for me to get financing with Carvana LLC. This call with XXXX took place approximately at XXXX am XXXX on Wednesday XX/XX/XXXX I called Carvana LLC and spoke with a different advocate after speaking with XXXX her name is XXXX she stated that is was unusual for them to call right before delivery and she stated that someone inappropriately approved my purchase on their end. I am deprived of a vehicle because of Carvana LLC advocates and their opinions. I have reason to believe that this is a discriminatory action that was taken along with deceptive business practices on Carvana LLC end. Carvana LLC and their affiliates mislead me having me thinking I was getting a vehicle and in fact I wasnt. You cant approve someone and then not give them their goods. All underwriting should have been completed before APPROVAL.
12/02/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75063	Web
I recently purchased a vehicle XX/XX/XXXX. I purchase this vehicle online through Carvana. At the time of purchase XXXX requires an ACH withdrawal to take place for the down payment. Which was verified account number and about directly with the bank via 3way calling. I was later notified on the XX/XX/XXXX the down payment did not go through. I was told that the account was unable to be located which they verified my account days prior. I was told that I would need to process the new payment either via credit card or send in a certified check. When I checked my bank account I realize I had an authorized charges and had to dispute them. During the process my credit card was canceled and I had to wait for a new card to come into the mail which I was told would only take 3 to 5 business days. I let them know that I could make the payment on the XX/XX/XXXX once I had the funds back into my account and a new card I was told that would be fine I had until the XX/XX/XXXX. With the holidays and I guess US mail service I had not received my debit card as well as the investigation on my account has not been finalized so I did not have the full amount. I borrowed funds over the next few days. As Iwaited for my new card. XXXX was the XX/XX/XXXX and Thursday which they were closed.When I called back Monday XX/XX/XXXX to correct the issue make the payment. I was told that they would no longer except my payment and they were going to repossess my vehicle and put it on my credit. I never received anything in writing I asked to speak to a manager and I was told that I was not be able to speak to anyone per the notes on the account the repossession order has already been sent and I would need to contact the Finance company. When I reached out to the finance company they told me that I would need to reach back out to the dealer. The finance company said they can not discuss anything on the account they didnt talk about and I needed to call back and speak to someone from the Carvana. When I called the dealer back the dealer explain to me that I needed to call the finance company and surrender the vehicle and they would not except my payment. I dont feel that they are being very ethical or acting in good faith as it pertains to this contract. The contract does not start that can refuse payment for any reason l explained that I can provide documentation to from my bank and still no one will talk to me other then tell me to surrender the vehicle.
08/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AZ 85040	Web	Servicemember
I purchased i car with Carvana on Sunday, XX/XX/2023. Upon making the purchase i paid a down payment of {$2000.00} which Carvana processed the funds out of my bank account on XX/XX/2023. I have signed a contract agreement for the vehicle with Carvana and was told by one of Carvana representatives that I was good to go all my documents are uploaded they just needed proof of insurance and once I upload the proof of insurance i will get a link verifying my pickup time to pick the vehicle up from the vending machine. I scheduled to pick it up on XX/XX/2023 at XXXX. I was told that someone will meet me at the machine to help me retrieve the vehicle. This was told to me right after we did three way calls so they can verify the deposits and transactions coming in and out of my bank account which i feel is very invasive and none of their business what I spend my money on what funds I have coming in and going out of my bank. The three way calls were done and soon as i hung the phone up from the three way call Carvana snatched my down payment out of my checking account. I have provided Carvana proof of my bank statements per my business, check stubs from both jobs, EIN proof for both of my business, tax returns, and Articles or Organizations for both business. I was approved for the car and was sent a contracts to sign. After being told yesterday XX/XX/2023 that everything was a go i just need to upload proof of insurance I went out today XX/XX/2023 and got full coverage insurance that of course was more funds spent on this vehicle. I uploaded the proof that the vehicle is insured since they will not allow you to pick up the vehicle without insurance. Once that document was uploaded i get a call right when im at work and close to the end of business hours that they need to do a three way call to my bank to verify employment. Mind you this was done twice yesterday XX/XX/2023. I explained to them i was at work and i could not talk at the moment i was told by XXXX i loose the car but they have a signed contract with me, they have my money, and all my proof. At the last minute they have lied and reneged on their end and is not holding up their end of the bargain to deliver the car as promised. I have provided proof of the rep giving me the green light, proof of all task being checked off, and proof of them processing my down payment. But they are refusing to release the car when the contract has been signed.
10/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 15132	Web
I authorize Carvana and associates to respond to this complaint in its entirety I XXXX XXXX am a consumer under federal law no third party is involved when creating this complaint. I applied to Carvana with the intent to initiate a consumer transaction. After I reserved one car your company told me I could not afford the first and needed to select another I than chose another vehicle while my employer is giving me a grace period to return to work time goes by and the vehicle chosen was still not available a month later, I ask your customer service reps will I still be approved for the vehicle or if I should choose a new vehicle. They stated I would be fine. I chose a new vehicle and now I am unable to get the vehicle or able to return to work because my job requires a vehicle. We sort the matter out and moved on to verification I verified who I was with multiple documents they told me the documents could not be used because they stated Street ( St. ) instead of Avenue ( Ave. ) which the us postal systems manage that information and says it is ok as long as the zip code is a match. After I sent in all documents I called the staff so they could allow me to know if the documents were eligible for approval the guy stated yes and he approved them. Told me congratulations we will send you a congratulations email and or text letting you know your vehicle will be arriving XX/XX/XXXX. I even started an insurance policy on the XXXX XXXX XXXX with XXXX XXXX because I was given the ok that this vehicle would be mine. I then receive a cancelation email from XXXX stating they will no longer approve my consumer transaction even when I already paid for the vehicle with my signature on the promissory note or contract which under 18 U.S. Code 8 - Obligation or other security of the United States defined https : XXXX Also this was deceptive and unfair practices 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.https : XXXX2 UCC 3-402. SIGNATURE BY REPRESENTATIVE. https : XXXX # XXXX If the represented person is bound, the signature of the representative is the " authorized signature of the represented person '' and the represented person is liable on the instrument, whether or not identified in the instrument. I have more violations with supporting exhibits that will be used in the Affidavit Of Truth and intent letter if this matter can not be resolved.
05/31/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 33160	Web
I bought a new XXXX XXXX XXXX from XXXX on XX/XX/XXXX. They new I had a trade-in from XXXX, it was a XXXX XXXX. They gave me a price and I signed a contract that the loan amount would be a little over {$11.00} and my monthly payment would be {$230.00} a month. The process went smoothed and the looked over my car and I got the new car immediately. I had a 7 day guarantee to return the vehicle as well. They processed my car tag and registration in a matter XXXX or 4 days, it was quick. They setup my account with XXXX and on XX/XX/XXXX my first payment f {$230.00} was supposed to come out. XXXX on Saturday I get an email from XXXX from XXXX telling me I had to rebuild the loan that there was an error on their part. They didn't take in to account that I had a l balance on the trade-in and that would affect my payment. I get an email telling me it would go from {$230.00} a month to a {$500.00} down payment and {$700.00} a month interest rate of 19.48 %. I was shocked and called them immediately. They said it was an issue on their part and that they would look at ways to help me. They said they would send me a check for {$250.00} for my incovience. I then waited to hear back on what more they could do. I heard back from XXXX and they were willing to take back the car but I had to get another car with them. The only problem is that they are charging me now 19.48 % interest and that balloons any payments to a high amount. I was looking for something similar car the XXXX, which only had XXXX miles on it an I was paying {$450.00}. Now I would have to get an older car of less value in order to stay around that payment of {$450.00}. I lost a 3.9 % APR with XXXX and now stuck with a 19.48 % from XXXX. They won't let me just give back the car because that would be reported on my credit for 7 years and have a very negative impact. I am trying to rebuild my credit. So I was given an option of paying for the current car, getting another car with XXXX that wouldn't be even close to what I had without it being a lot more in a montly payment, or simply returning the care and having a mark on my credit. I have tried to talk to them for days and with no success they were willing to take off the delivery fee which ranges about {$490.00}. Either way I didn't have a chance to say no, I will give the car back because they didn't even find the error until XX/XX/XXXX. I don't know what to do. I need your help.
02/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30318	Web
Hello. 1st & foremost I applied for financing with Carvana & was approved. On XX/XX/XXXX at XXXX I received an email in regards to the financing request. The letter stated that my credit score was XXXX & they they got the information from XXXX. I checked XXXX website to see if this was the information they have been reporting & according to the actual XXXX website, my credit score is XXXX. I believe Carvana is fraudulently saying my credit score is much lower than what it is to try to justify the ridiculously high 27 % interest rate that they offered me. Also I went ahead with purchasing the car. I authenticated my bank account with XXXX & authorized them to charge {$790.00} for a down payment. I received a confirmation email on XX/XX/XXXX at XXXX that my order was placed & the car was scheduled to be delivered on XX/XX/XXXX at XXXX. Carvana then requested further proof of address & a GA drivers license, stating that the state of GA requires consumers to have a GA drivers license to purchase a car. I questioned this, but was told by the Carvana representative that this was their policy & that I had the choice to take mommy business elsewhere. Given that I am in need of a new car, I went ahead & got the GA drivers license & at Carvanas request, uploaded the two requested additional documents on Sat XX/XX/XXXX. In the email I received & per the Carvana representative, I had until Mon XX/XX/XXXX to provide the requested documentation. On the evening of XX/XX/XXXX I went to check to see if Carvana had reviewed & processed the additional documents & was told the purchase had expired, although the original deadline had not even come yet. I reached out to Carvana to ask about this & was told my multiple representatives via chat on Sunday XX/XX/XXXX that I would have to start the buying process over & pay an additional {$200.00} dollars on the down payment. Originally I authorized, via XXXX, a {$790.00} down payment. Now Carvana is trying to increase the terms saying I must now pay {$990.00} and receive the car at a later date than originally confirmed. When I was initially offered an approval from Carvana, the site said an interest rate of 23.61 %, but that significantly increased when I tried to purchase with Carvana. This is a predatory lending practice which is a violation of the TILA. Carvana is violating my federally protected consumer rights.
06/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AL 360XX	Web
I purchased a XXXX XXXX XXXX from Carvana on XX/XX/XXXX. The vehicle came with a XXXX day return policy an an additional XXXX day dealer warranty. It was sold under the pretense that the vehicle had received a XXXX point inspection. However, by day XXXX we realized the car was driving poorly and we attempted to take it to their preferred repair shop to see the significance of the issue but they claimed not to be able to recreate the problems, acknowledged there were codes coming up but admitted to have removed them because they believed they were old codes from previous work done on the vehicle. They gave us some fluid to pour in our gas rank and suggested we drive the old gas out and use the fluid in our tank with new higher octane gas. We did that but the vehicle still performed poorly. So we took it to another one of Carvana 's preferences shops. The assessment was that the rotars had been resurfaced below the manufacturer 's reccomendation, the tires needed to be replaced, a front end alignment was neccessary, and that there were transmission issues. This vehicle was unsafe to drive and the issues we are having were supposed to have been inspected before the vehicle was sold to me. In addition, the warranty company agreed to replace the tires and complete the front end alignment but refuses to repair the breaks. My complaint is that Carvana misrepresented the condition of the vehicle and sold me a vehicle that either had not received the promised XXXX point inspection, or they completed it but did not disclose that the vehicle was unsafe to drivXXXX, therefore inoperable. We have only driven thus vehicle XXXX days since I purchased it and the complete break job recommended is over {>= $1,000,000}. Carvana refuses to intervene nor take responsibility for selling a vehicle that they claim had been inspected for possibly mechanical failure. Breaks would normally fall under normal wear and tear but rotars that had been resurfaced to less than what a manufacturer 's recommended measurement for safety is a hazard. That is not normal wear and tear. Attached are the pictures from the repair shop that they reccomend, showing the reading for the remaining surface of the roters. This vehicle was sold as a safe vehicle that had been inspected and the vehicle simple was unsafe to drive and should not have been sold in that condition for that price.
05/02/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	TX 75043	Web
I received a offer from Carvana LLC and I accepted it for value as in ordnance with the uniform commercial code 2-206. Offer and Acceptance in Formation of Contract UCC 1-201 ( 44 ) " Value ''. Except as otherwise provided with respect to nego- tiable instruments and bank collections ( sections 28:3303, 28:4208 and 28:4209 ) a person gives " value '' for rights if he acquires them ( a ) in return for a binding commitment to extend credit or for the extension of immediately available credit whether or not drawn upon and whether or not a charge-back is provided for in the event of difficulties in collection; or ( b ) as security for or in total or partial satisfaction of a pre- existing claim ; or ( c ) by accepting delivery pursuant to a pre-existing contract for purchase ; or ( d ) generally, in return for any consideration sufficient to sup- port a simple contract. I also issued Carvana a receipt for allowing me to utilize the instrument for my personal, family, and household benefit after I accepted the offer and it was equal consideration offered. But now Carvana LLC is acting dishonorably, and after attempting to resolve the matter with them, I was met with rebuttal and some false and misleading information by one of your representatives XXXX and XXXX XXXX at XXXX pm, and before I was rudely treated, they threatened me that if I didn't do what they said, they would cancel the order, which would be a breach of contract, as I was explaining as prior to ARTICLE 2 OF THE UNIFORM COMMERCIAL CODE governing sales and the responses from XXXX gave the impression that she was informing me that Carvana guidelines are superior then the uniform commercial code and the laws of the United States which was very disturbing and when I asked to talk to a supervisor or someone higher she said it was going to take 24 and 48 hours and if I dont get things situated before then than the order will be canceled by CARVANA which caused me to get upset and cause emotional distress because her actions was inappropriate and if I couldnt get help than I would loose my property that I lawfully obtained thru offer and acceptance and that they are willfully keeping it away from me so I have no choice but to file this complaint to get the best help available to a consumer Let it be known that Im acting in Good Faith to get the matter resolved ALL RIGHTS RESERVED
07/21/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NY 10025	Web
I ordered a car on Carvana 's website on XX/XX/2020 to be purchased in full and delivered to my address in XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received an email from Carvana stating that my registration was being processed. A few days later, I received a car title dated XX/XX/XXXX but Carvana later informed me over a phone call that I should disregard this title since the date was incorrect and that they were still in the process of getting me an updated registration. There were numerous delays and the car was not delivered until XX/XX/XXXX. When it was delivered, it had temporary XXXX XXXX license plates. At the beginning of XXXX, I called Carvana to check on the registration process since it had been about a month since I received the car. The customer support representative told me that Carvana was still working on the registration process and that told me that it was legal for me to drive to XXXX with the expired temporary license plates since XXXX had issued an executive order extending license plate expirations. Today, XX/XX/XXXX, I called Carvana again to check on the registration status and this time was given conflicting information. Today I was told that it is in fact not legal to drive outside of XXXX State since the executive order would only allow the expired license plates to be driven legally in XXXX. ( I'm not sure if the customer support representative understood that the license plates were from XXXX, but I'm not sure if that matters because XXXX also extended their expiration. ) Also today I was informed that XXXX was not sure what was delaying the registration process but that it was unlikely that I would received my updated registration and license plates by the end of the month. I am moving from XXXX XXXX to XXXX at the end of XXXX ( about 10 days from today ) and now can not legally drive to my new home in XXXX due to the expired license plates. This car is my only method of transportation and I am now in an extremely difficult position as I now have no way to get to my new home, despite the fact that my current apartment lease in XXXX XXXX ends at the end of this month. Additionally, I have lost about 30 hours in dealing with this situation and the resulting stress which has cost me a lot of money because I had to take those hours off of work and thus did not get paid.
07/23/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 60098	Web
NOTICE OF RESCISSION XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois [ XXXX ] XXXX XXXX XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Agent ) CARVANA, LLC XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX RE : Consumer Credit Transaction for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Agent ) : Pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23, I hereby exercise my right to rescind the Transaction with Carvana, LLC identified above. The primary basis of the rescission is that [ I was not provided with a completed copy of the notice to rescind the consumer credit transaction, in VIOLATION of 15 USC 1635 ( a ), Regulation Z, 12 CFR 226.17 and 226.23 ] Pursuant to TILA and Regulation Z, you have now been put on notice and have 20 days to return all money paid including the finance charge disguised as a down payment of {$11000.00} which is the sum of ALL PAYMENTS pursuant to 15 USC 1605 ( a ). Carvana, LLC did not provide proper material disclosures as to how Carvana, LLC came up with the method of determining the finance charge pursuant to 15 USC 1602 ( v ). Also, you have 20 days to take necessary and appropriate actions to terminate any security interest and at once will grant me all rights & titles to that of my vehicle. Exercising my Right to Rescind automatically voids this transaction by operation of law upon rescission under 15 USC 1635 ( b ). Therefore, any attempt to report this consumer credit transaction to a credit agency is a willful violation of TILA and the FCRA, 15 USC 1681a. Please note that returning the property is impractical and inequitable therefore the decision to maintain possession of the property is being made without recourse pursuant to TILA, Regulation Z 12 CFR 1026. Please, contact me at my email address, XXXX to arrange the delivery to me of all money paid under this fraudulent credit consumer transaction. Additionally, please mail me confirmation that the credit consumer transaction has been voided and no negative information will be reported to the credit bureaus with respect to this matter.
01/15/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	WI 53222	Web
Carvana enacted with XXXX XXXX XXXX systematic XXXX upon my account to discredit and discriminate by using a administrative policy to impede constitution protectioXXXX of civil rights under FCRA ( Fair Credit Reporting Act ) and ECOA ( Equal Credit Opportunity Act ) Acts. It's also believed that Carvana and XXXX under their internal system listed my account in a past due since XX/XX/2018 or collection status to impede Constitutional protection by listing my account internally as past due since the beginning of my contract with them. These action of systematic XXXX by Carvana and XXXX where to hinder their minorities customers form refinancing and hinder and create a negative environment around my name and accounts, also its further believed, that Carvana and XXXX maybe involved with XXXX XXXX XXXX XXXXXXXX and hire people to steal Minorities vehicle after completion of payoff of loan/contact with them, so after you have paid off your loan with Carvana/XXXX you have to buy a XXXX to protect your property due to their extensive connection with collections and attorneys. ( see attached ). XXXX and Bridgecrest also refuse to honor their payoff letter at end of loans and seek to report on your credit report defaults in order to create crime in the street because honest citizen that pay off their loan on time are subject to harassment and need to purchase a guns to protect their property against Carvana and XXXX because of their systematic XXXX to hinder minorities at payoff and end of contract term. XXXX Breached their payoff agreement and FCRA and ECOA by their internal policy and discrimination to impeded Constitutional protection. ( attached ). Carvana practice 'Systemic XXXX XXXX. 'Unconscious bias '. as recognise more insidious forms of racism that counter a very real impact on the employment chances, pay, health and finance of ethnic minorities because I made all my payment timely, as they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX. Carvana would note ny accounts as past due or defaulted to place minorities in a higher interest and down payment for profit gains, in order words they use minorities to hustle through high interests.
05/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30019	Web
I bought a car from Carvana and the delivery date was XX/XX/22. The day before I verified with Carvana all documents needed and the check. I stayed at the bank and upload pictures of the check and asked was everything correct. I was quoted {$28000.00} by caravana for the purchase of the car. My bank then issued a check for that amount on XX/XX/22. The representative of Carvana confirmed my check was uploaded into the system and everything was correct and nothing else required except on the day of delivery which was the next day to provide the physical check and sign off. The tech delivered my vehicle to my house on XX/XX/22. I test drove, signed the paperwork and provided the physical check. I then went back inside my home and continue to work. I notice the tech didnt leave after a whole abs then called me saying the check was an overpayment for the purchase amount, that they would need to take the car back and I would need to go get another check. That was traumatic especially given I had already sold my old car and was leaving out of town the next morning. It got escalated and I talked to an advocate and the resolution after about 30 minutes on the phone was that they would refund me the difference of {$1000.00} and would call back with the timeframe and more information regarding the refund. I did not get a call back. Talked to several representative and chatted and was told XXXX business days. That went and again talked to several people and we are now at 6 weeks and still no check sent to my bank ( verified XX/XX/22 ). The resolution executive at Carvana is no longer answering me my reply and each person she calling in tells a different story and that there isnt a supervisor available. I just want my refund and theyve had ample time to resolve the issue and havent. Talked to Carvana again on XX/XX/22 and the checked was mailed via regular mail through USPS on XX/XX/XXXX and it us XXXX over the 15 business days and still no check nor can they track it or provide any other information. It is approaching the 2 month mark since I bought my car and have been trying by to get my refund from them. Originally was told it would be overnighted so why it was sent supposedly regular mail and no way to track it doesnt make sense.
05/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NY 119XX	Web
I took out a car loan with Carvana in XXXX of XXXX : managed by XXXX. Per the contract I signed on XX/XX/XXXX, with financial agreement attached here, the details of my financing were at described below. Loan of XXXX XXXX XXXX interest to be paid over 72 months. Total interest to be paid would arrive at approximately XXXX. I would have monthly payments of {$200.00} with one final payment at {$190.00}. The payments of {$200.00} would cover the applicable principle and interest for a given month. I was told there was a delay in the car delivery and I had to sign a new contract. The carvana representative told me that the new contract had to be signed because of the change of delivery date. Recently I was reviewing my loan payments and found that I was charged about {$600.00} more than my original loan contract. I contacted XXXX on XX/XX/XXXX who confirmed the higher loan amount was the correct loan information they received from Carvana. I contacted Carvana on XX/XX/XXXX who had sent me a contract that was dated XX/XX/XXXX. This contact was the second contract I signed that the representative told me was just for an updated delivery date. This new contract had a delivery fee and altered taxes that amounted to the roughly {$600.00} difference between the first and second contract. Additionally the financing terms were different as well. There was a higher interest rate and the {$600.00} higher principle to the term. This was never expressed to me when I was informed I had to sign a new contract. I was explicitly told the new contract was just to update the delivery date. When I contacted Carvana on XX/XX/XXXX about this issue I was told to contact a representative in the contract department : a XXXX XXXX. The representative I spoke with on XX/XX/XXXX told me he would inform XXXX of the situation and XXXX would get back to me in a few days. I also sent him an email containing the original contract I signed so he had that information : to the email I was given for XXXX, XXXX. I had not heard anything from XXXX after 1 week and sent a follow up email. As of writing this, I have not heard anything from XXXX or Carvana regarding this bait and switch on the contract terms. Both contracts are attached to this email.
04/16/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 315XX	Web
Bought vehicle in XX/XX/XXXX. Received tag in late XXXX due to delay in title and registration per their website and COVID. Monthly payments made each month to XXXX in the amount of {$620.00}. Total paid to date on XX/XX/XXXX is {$3100.00}. On morning of XX/XX/XXXX tow truck showed up and repossessed vehicle per orders of XXXX from what driver said. Called XXXX who is lien holder who stated that acct was current and was done per Carvana. Contacted Carvana personnel on multiple occasions in two day period. Had to demand to speak to management for explanation of how a car could be repod almost 7 months after buying when all payments had been paid. Told I broke my contract because my initial deposit of {$300.00} had not cleared my bank on delivery. Said they had called me on numerous occasions. Asked if they had sent me any correspondence via mail or email and told they are a digital company and dont have to. I asked numerous times what my options were and they said there was no option and car was gone. It would be assessed and pending inspection and less fees that I would be given a portion of my money back. Told unacceptable by me and spoke to a legal representative on my own. Called back on XX/XX/XXXX by XXXX, pmt resolution specialist with Carvana and given option of letting them keep vehicle and pending inspection may get some funds back. She did not elaborate on iTold by personnel it may take up to 90 days to finish this process and I asked if I I was going to be responsible for loan in meantime. They stated they would back it off my credit but, became vague when I questioned what about any upcoming payments being due and they referred back to XXXX. They are both affiliated together and different personnel will tell you different things about their relationships between the two. 2nd option was pay the {$300.00} plus a redemption fee of {$400.00}. Also very vague when asked if I would be charged storage and towing fees as well. Now awaiting a request to XXXX to further specify the details in Option 1 and be more Explanatory regarding credit and repo. The worst company ever. Most unprofessional, scamming company and obviously preys on individuals with less than perfect credit. Unethical and immoral practices.
01/14/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 284XX	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX online, the vehicle was delivered to my address and the funds taken from my checking account. I signed all the documents the delivery person gave to me and uploaded all the documents requested by XXXX. A week later XXXX requested again proof of insurance in which I uploaded the same document they took a picture of at delivery and that I had already uploaded to them. Over the next couple of months, after numerous attempts to obtain a status of my title and registration, and after multiple requests from XXXX to provide even more documents that they already had, I never received my title of registration so I filed a complaint with the NC Dept of Justice and XXXX responded on the XX/XX/XXXX. They admitted there was a problem with the title, there legal team stated they were able to confirm the title was now ready for processing on the XX/XX/XXXX and that they would expedite my registration. XX/XX/XXXX I received a call from the advocate trying to assist me, after a few attempts to request she call me. She stated that the entire deal had been returned by the vendor for a title issue! It has now been almost 4 months, I've been driving on temporary tags and do not legally own my own car which was a gift for my daughter, totally ruined the surprise. I was told by the advocate that she has requested a self registration and will try and find out the process and can not give me an ETA. I informed the advocate of the letter from Carvana Legal and she was unaware of the statements they made regarding my title issue. NC requires the dealer to submit the registration within 30 days, I have now requested that Carvana either produce a good title that I can register in NC or refund my total cost for this vehicle, they have been deceptive and they stall knowing full well they had no right to sell the car to me in the first place, they were not the owner of the vehicle, to this day NC shows the vehicle in question being registered to the first owner out of XXXX NC. I need help in resolving this issue, because I'm out of pocket over {$16000.00} and can not obtain a loan on this car to pay myself back because I do not legally own it, please help me.
08/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TN 37128	Web
YOUR COMPLAINT I received pre-approved letter for auto financing from Carvana. Carvana is advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. My income pay stub and XXXX is not a factor is this XXXX XXXX XXXX. I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured!
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30071	Web
I purchased a vehicle through XXXX XXXX, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the XXXX.My sister reached out to XXXX and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by Carvana and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, Carvana and XXXX XXXX have committed..
05/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	TX 77449	Web
On XXXX XXXX, 2022, I entered a consumer credit transaction with CARVANA LLC. During my consumer credit transaction, I did not receive all the proper disclosures, one specifically the right to rescind. Due to not being given proper disclosures on how to exercise my right to rescind, CARVANA LLC is in violation of Truth In Lending Act 15 USC 1635. The creditor, CARVANA LLC, was supposed to clearly and conspicuously disclose as well as provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise the right to rescind. This law states that I have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction. 15 USC 1635 states ; ( b ) Return of money or property following rescission when an obligor exercises his right to rescind under section ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a recission. It also states that the obligor may retain possession of any property delivered by the creditor if the return of the property would be impracticable or inequitable. The property is equitable to me because it is my daily mode of transportation for myself and my family. Within 20 days after receipt of a notice of recission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or~ appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it [ ]. The transaction was done unfairly because I did not receive proper disclosures, I put a cash down payment in a consumer credit transaction which is in violation of 15 USC 1605, and my finance charge was not the sum of all charges. 15 USC 1640 states that since my finance charge was not the sum of all charges, CARVANA LLC is in violation, and I am due double the amount of that finance charge.
07/14/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	GA 30350	Web
I wanted to express my poor customer service experience and concerns with my recent purchase of my XXXX XXXX from Carvana. This is my 2nd purchase from carvana and the first time the process was seamless and had no issues which brought me back to purchase again. However this experience has been far less than pleasant. Many issues have left me frustrated and spending my entire Saturday trying to resolve them. First I paid XXXX $ for delivery and due to unforeseen circumstances the delivery process was delayed by 2 days on Carvanas end. No apologies, return or partial return compensation of my delivery expense. Second- This past Saturday XX/XX/XXXX. The car was delivered and the car was not washed, had not been cleaned out on the inside. Dirt and dust was very visible inside the vehicle. I had to wipe the car clean inside before even driving it. Third- It was missing the roll up cargo cover. I immediately notified the advocate at delivery. He advised me Carvana would not provide although it was listed as a feature on the vehicle. Fourth- and most concerning. as soon as you drive the vehicle and press on the brakes the front end of the car shakes extremely hard. Which leads me to believe an inspection was NOT completed. Immediately contacted customer service who rerouted me to XXXX XXXX. Who rerouted back to Carvana because they did not have a contract. I spend 3 plus hours trying to get my issues resolved and still have not. I'vespent a significant amountof time contacting Carvana, speaking with different advocates receiving several conflicting information I love the car by all means but the customer service experience by far has left me disappointed and frustrated. This has tainted my excitement in even receiving/purchasing a new vehicle and I have all these unresolved issues. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I would not want any customer to have the same horrible customer service I've endured. I would like all of my concerns address and some assistance from someone without spending the entire day making calls to find a resolution
12/19/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MO 641XX	Web
This complaint is towards a car agency by the mane of Carvana. I contacted the company on XX/XX/2021 in hopes of purchasing a vehicle. I applied for the vehicle ; this is where I was told that I was pre-approved. During this time, I was also given terms to where I would have to put a down payment down to finance a vehicle. According to 15 USC 1605 " Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable '' They can not charge me a down payment in the same transaction, where a finance charge is involved. According to 12 CFR 1026.2 ( 18 ) " ( 18 ) Downpayment means an amount, including the value of property used as a trade-in, paid to a seller to reduce the cash price of goods or services purchased in a credit sale transaction. A deferred portion of a downpayment may be treated as part of the downpayment if it is payable not later than the due date of the second otherwise regularly scheduled payment and is not subject to a finance charge ''. Everything based on this complaint is based in line with the truth and lending act when it comes to consumer. I went out may to ask the young lady who stated she was a supervisor, where their policies governed by truth and lending. She stated yes so, I am willing to produce phone records or whatever I need to produce if needed.
10/07/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 22031	Web
On XX/XX/2022, I exercised my right to rescind my credit consumer contract with CARVANA LLC pursuant to Truth in Lending Act, 15 US CODE 1635, Regulation Z, and 12 CFR 226.23 due to CARVANA LLC not providing me with all material disclosures to include my federally protected right to rescind which is a violation pursuant to 15 USC 1635 ( a ), Regulation Z, 12 CFR 226.23 and 226.17. CARVANA LLC received my notarized notice, special POA and IRS form 56 via REGISTERED MAIL XXXX and Return Receipt signed by XXXX XXXX on XX/XX/2022. XXXX XXXX XXXX also received these notarized notices via REGISTERED MAIL XXXX. On XX/XX/2022, I filed a CFPB Complaint due to not getting a response, the complaint ID is XXXX, CARVANA LLC told the CFPB they would comply with my Power of Attorney and give me the title to my private property which they have yet to accomplish, XXXX XXXX XXXX is now in violation of 15 USC 1692 ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, 15 USC 1692f Unfair Practices - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest. ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement, and 15 USC 6802 ( b ) ( 1 ) ( C ) for furnishing my nonpublic personal information to XXXX XXXX who illegally and unlawfully stole and transported my private automobile on XX/XX/2022 and plan on selling it which is a violation of 18 USC 2312 TRANSPORTATION OF STOLEN VEHICLES and 2313. I am entitled to actual damages under 15 U.S CODE 1692k ( a ) ( 2 ) ( B ) THE CREDITOR IS RESPONSIBLE FOR THE ILLEGAL ACTIONS OF XXXX XXXX BY LAW
11/15/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	MI 48307	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX VIN # XXXX - Carvana Stock # XXXX delivered XX/XX/2021 within 12 hours or XXXX EST a 12inch engine oil puddle has appeared under the vehicle and continues dripping oil. I crawl under for a closer look and discover damage to radiator, front end body panels, paint oversprays and masking tape residue in several sections. Local foreign auto shop replaces engine oil, filter and drain plug w/ gasket as both are necessary. Within the hour the oil leak has returned. Coupled with the obvious front end damage and botched paint job the auto shop specialist opined a potentially serious and costly problem with this vehicle. By this time on XX/XX/2021 Carvana has already reached into my XXXX account via the XXXX financial app and removed the {$24000.00}. This action was not authorized by me and contradicts several employee 's testimony and quoted text available at the Carvana website about dispersal of funds. ( see text below ) " What does Carvana use XXXX for? Carvana uses XXXX as a method of funds verification, income verification, employment verification, and address verification. The XXXX connection is encrypted and secure. Connecting a financial institution via XXXX does NOT give Carvana ( or anyone else ) access to your accounts. You are always in control and can manage Carvana 's XXXX connection on our website or the XXXX XXXX '' I attempted to move on with an alternate vehicle and realized Carvana doesn't deserve my trust or business and attempted to sever ties and collect the amount Caravana removed from my account. Today XX/XX/2021 is day 8 of multiple failed attempts to schedule a pickup date/time for the XXXX XXXX and any acknowledgement of refunding the {$24000.00} owed back to me. Now needed for payment of the alternate vehicle I'm moving forward with and Carvana has tied up funding. I'm embarrassed for allowing such a pitiful business model to lure me into this no-win scenario process. Carvana has taken over 14 days of personal and professional time away from me, my family and clients.
03/30/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TN 37013	Web
I am writing to express my concerns about a recent incident I experienced with your company. I purchased a XXXX XXXX XXXX on XX/XX/XXXX with a down payment of {$800.00} shortly after purchasing this vehicle I started experiencing problems. There was a very loud noise coming from the front end of my car when accelerating. Due to the holidays and XXXX being backed up I was unable to get an appointment til A few weeks later. I took my vehicle to XXXX XXXX on XXXX XXXX in XXXX to receive a diagnostic on my vehicle. After leaving my car at XXXX for 8 hours, a full business day the mechanic at XXXX informed me that the noise was coming from the car being low on oil. Silver rock then advised him to check my car for any leaks and to change the oil on my car however they were not covering the costs for the oil change. After advising the mechanic that I didn't have the money at the time for the oil change he refused to check my car for any leaks and stated that my car just needed oil. I took my car to be serviced for an oil change and a few weeks after my car completely stopped on my way to work. I checked my car for oil and there was no oil in my vehicle. Shortly after this incident I reached out to XXXX rock regarding this manner who advised me to take it to XXXX XXXX. Once I arrived at XXXX XXXX I explained to them my concern with my car and a diagnostic on my car and stated that it could be an internal problem with my engine. They also were unable to service my vehicle. This has been more than an inconvenience to me. I have missed work and class due to me not having a reliable vehicle that I have paid my money for. I also paid for a warranty through your company whos also very unreliable. I have had to call them multiple times just to get the costs covered for work that wasnt done on my car due to the miscommunication between them and the mechanics. Since I purchased my car it has been at least 4 different repairs and I'm still having the same issues. As a customer I am very disappointed.
03/27/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CA 95212	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX which was originally stated would be delivered on XX/XX/XXXX. When the car had not been delivered on the XXXX, I noticed an email was sent XX/XX/XXXX stating that my delivery had been delayed. I called Carvana on XX/XX/XXXX and spoke with XXXX XXXX. I explained that I was currently in a rental car due to my previous car being declared a total loss and stated due to the delay they I would need reimbursement for the rental car as it would no longer be covered through insurance. I received a text the next day stating that Carvana would cover up to XXXX per day for the rental through XX/XX/XXXX which was the new delivery date. I agreed to this amount even though this was only half of the cost of the rental. On XX/XX/XXXX I received another email stating the delivery was delayed again to XX/XX/XXXX. I called carvana again and explained because the delivery date was pushed back on their end again, I would need the full rental covered. I spoke with XXXX XXXX who stated that the most carvana could reimburse was {$40.00} per day. I asked him to send an email which he detailed that carvana would cover {$40.00} per day for my rental for a total amount of {$880.00} and that I would be able to request they covered more. I explained to XXXX that the rental rate of {$50.00} per day was actually discounted for my insurance company, however, the rental company accommodated that price through XX/XX/XXXX so I really needed my car by that date. He assured me that carvana did not expect any more delays. However, on XX/XX/XXXX I received another email stating the car would be delayed through XX/XX/XXXX. I called carvana again and spoke with XXXX and explained I could not hold the rental any longer and I needed a car. Due to the constant delays I had to go through a local dealership. Carvana is now denying reimbursement for my rental though I have already paid {$1000.00} and have paid a month insurance for the XXXX. I would like the full rental reimbursement
05/31/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	OR XXXXX	Web
I purchased the vehicle from Carvana on XX/XX/2023 and had a scheduled pickup date of XX/XX/2023 at XXXX to bring my trade in and pickup my new XXXX XXXX. Today at XXXX Carvana emailed me that my XXXX was at a stop in California and 75 % of the way there from the origin of Arizona XXXX Then, less than 20 minutes later at XXXX I received an email from Carvana that there's been a delay and that they have rescheduled my pickup for XX/XX/2023 at XXXX. This is the 3rd vehicle I've purchased from Carvana, and the 4th attempt ( what would have been the 3rd purchase I ended up cancelling due to a delay ). Every purchase from Carvana has been delayed with no explanations and is a definite pattern that has developed in luring customers in with a promised date, only to be delayed numerous times. It is unreasonable to expect that my vehicle could be transported 75 % of the total distance from Arizona to Oregon within 3 days, and then suddenly take over 10 days to make the final 25 % of the trip from California to Oregon. Despite that the vehicle is now in California, and likely be in Oregon by this weekend, they are rescheduling me for over 10 days later to pickup as they claim this is their soonest available pickup time. As I purchased prior to others, they are failing to make my purchase priority over others so I can come pickup once the vehicle has arrived in town. In addition, every advocate from Carvana I speak with refuses to forward my complaint to upper management. For this particular purchase, I had to pay {$1700.00} for transportation costs, and am told that despite their inability to deliver the vehicle in a timely manner as promised, that should I decide to cancel the purchase, I am still required to pay the transportation costs. In my researching the issue online, this appears to be not only a pattern that has developed with my purchases through Carvana, but also a trending pattern that many other customers of Carvana have been consistently experiencing.
04/03/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MO 63136	Web
XX/XX/2019 Made online Purchase of Carvana, LLC no hassle free used automobile purchased with interest {$17000.00}. The advertisement said car was shipped from XXXX IN. It arrived at my home with Georgia Temp tags on them with Sales taxes as if Im a Georgia resident and I live in Missouri. I was informed by an agent and her supervisor at XXXX formerly XXXX whos an affiliate to Carvana, LLC my account does not exist! The SSN does not match Carvana have refuse to issue me that cancelled contract and original copy of online application. I issued by way of uploading my SSN front and back of my card, Missouri drivers license front and back, plus my financial income documents sent to Carvana, LLC for verification of automobile loan. Carvana, LLC was notified on XX/XX/2019, about the error on automobile sales contract and they refuse to cancel but instead REBUILD the contract AS IS! I have not been made aware of undisclosed information the vehicle was a XXXX XXXX XXXX, per XXXX manufacturer Recall Records. There are security transactions taken place with my personal signature rendered and protected by UCC 1-308 without prejudice. Ive issued my credit for purchase as of XX/XX/2019, to Carvana, LLC who was already PAID IN FULL after close of sale through XXXX formerly XXXX. XXXX formerly XXXX have confirmed I do not have an account with their financial institution. Carvana, LLC Senior underwriter XXXX XXXX. insist I pay the payments as agreed. I have not made the first payment since purchase on XXXX, since NO CONTRACT or an ACCOUNT DO NOT EXIST, per XXXX Agent and Supervisor on XX/XX/2019. Carvana, LLC gave written statement they were going to rebuild the original contract dated on XX/XX/2019, with terms and agreement AS IS! Carvana, LLC Underwriter XXXX XXXX. refuse to disclose my original Consumer online application so I could verify my SSN since there was an error of another SSN I was not aware of that did not match my financial application.
01/05/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	VA 22315	Web
I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to XXXX as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against XXXX in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 BRIDGECREST is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against XXXX for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.XXXX. A Promissory note is a negotiable instrument. XXXX has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities.
09/21/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	MI 492XX	Web
Carvana has violated my rights and failed to address these violations or lawfully remedy the issue. Carvana has illegally disclosed my personal information and social security number without my permission. I have never consented or contracted to do business with a company called " XXXX '' that is apparently linked to Carvana. Carvana provided XXXX with my personal information to collect an alleged debt from me that is in dispute, and is not XXXX 's to collect. Carvana 's contract is misleading and deceptive and full of false misrepresentation. Carvana 's contract violates 15 U.S.C. 1692e ( 2 ) ( a ), 15 U.S.C. 1692e ( 11 ), 15 U.S.C. 1692e ( 14 ), 15 U.S.C. 1692j, 15 U.S.C. 1605, and 15 U.S.C. 1605a. I gave notice to Carvana, which was received on XX/XX/22, that I would be rescinding from the contract in accordance with 15 USC 1635. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Carvana. This alleged debt is disputed for fraud on the contact and failure of meeting of the minds. Carvana has not ceased to collect the debt via the Carvana app. Carvana has failed to provide any actual accounting or prove the alleged debt is valid and not fraud. Carvana is in violation of 15 USC 1635 ( b ) - " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. '' - As it has been over 20 days and they have failed to return my downpayment monies, as well as failed to terminate the security interest on the vehicle created under the transaction. Carvana has also failed to provide me with the free and clear title of the vehicle. It is my right under 15 USC 1635 ( b ) to retain possession the property ( vehicle ).
06/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20901	Web
I purchased a used car from Carvana, which was delivered to me on XX/XX/2022. Per their policy, I had 7 days to test the vehicle before accepting the sale, which I did. Because of the terms of Carvana 's 7-day test drive policy, my credit union ( or any third-party lender ) would not allow me to finance the vehicle directly because I did not have ownership of the vehicle. As a result, I had to accept Carvana 's 7.37 % interest rate on a {$13000.00} loan. This rate does not reflect the market rate for my credit score ( approximately XXXX ) or for the amount of cash I put down on the vehicle ( {$13000.00} ). My intention was to immediately refinance this loan to my credit union, which offered me a rate of 1.9 %. However, Carvana delayed the delivery of the title to me until XX/XX/2022, which forced me to make a first payment at the 7.37 % interest rate. In addition, the loan is owned by a company called XXXX, which is responsible for providing me with a 10 to 15 day payoff letter so I can begin the refinancing. However, this company does not provide a means to speak with a representative directly, and using their automated phone system requires the user to accept a charge of {$3.00} to just get the loan balance. It does not allow you to contact anyone directly or take any further action. All of this suggests, that Carvana 's business model is designed to lock users into a high-interest rate loan for a vehicle, without giving them a viable option to use a third-party lender, or to easily refinance that loan to a third-party lender. I am still trying to resolve this issue with Carvana, but my experience is that Carvana 's business model is designed to exploit a consumer 's inertia to proactively take actions to change the terms of the loan, or a consumer 's inability to navigate the complexity of this process to take action to refinance a loan to a better rate. Thanks you for your attention to this matter.
03/05/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NJ 08081	Web
Carvana should be investigating for fraudulently changing terms without sending anything in writing or giving any reason why. I applied for a vehicle to be financed with Carvana with using my vehicle as a trade in. When I filled out the application online they asked questions like are you financing or own your vehicle, what is the mileage and my vin. #,. I provided everything. They told me they would give me XXXX for my trade in and the original terms were monthly payments if XXXX for 72 months at 20 % interest rate with no money down. I Signed a contract and provided all the documents they asked for including the payoff for my vehicle that I was trading in then today I get an email to call Carvana because my terms changed. Because I have a balance on my car of XXXX and they are only willing to give me XXXX for my car but XXXX XXXX XXXX gave a value of XXXX for my car because I have low mileage and my car is in excellent condition they changed the terms to XXXX down with 27 % interest rate with monthly payments of XXXX a month. I asked them to tell me why I had to give XXXX down If my vehicle was being traded and XXXX was going towards the vehicle. Even if they add the difference from my trade in value minus my payoff it would not warrant payments to be XXXX for 72 months. The purchase price of the car would be XXXX instead of XXXX. Which means they would take the difference of what I owe from the trade in and add it to the new loan. They could not answer my questions when I asked for a copy of the terms in writing they refused to let me see the figures they quoted me over the phone. I believe this was all a game they were playing with me. I asked for a manager and the Gentleman hung on me. His name was XXXX. I want them investigated they changed the terms and would not put it in writing who does this you give me verbal agreement without giving me options to review. Who does business this way
07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	OR XXXXX	Web	Servicemember
In XXXX XXXX XXXX, I purchased a XXXX XXXX XXXX from Carvana. At the time I had a credit rating of about XXXX according to all the information I could access from he reporting agencies. Part of the incentive to buy from Cavana was a 4 % interest rate with an excellent credit rating. As we were closing the deal I saw the interest rate was either XXXX or 12 % and I asked why my rate was so high. Even though my excellent credit score was posted in all XXXX websites, Carvana old me that they said that my credit rating was actually XXXX, so I get the higher interest rate. I asked them why do the reports I get say i have a XXXX credit rating, and yours says mine is XXXX? Are there XXXX different credit reports available to consumers and creditors? She said that is what they sent us, so that is what we are charging you an its not changeable. I called all XXXX credit reporter 's and they said no, you only have one credit score with us. They said it's possible that another one of the 3 agencies has a different score. I checked and my score was even better at another one and about the same as the other. I was in the middle of a very chaotic relocating at the time, I ended up wrecking my truck and breaking my back during the move. All my payments are autopay so I I forgot about it. Cavana refuse to recheck and lower my interest rate.I did not know that this agency existed and thought I was XXXXThey have my signature and the deal is done and there is nothing I can do. They scammed me and I have been paying over XXXX he interest I should have been paying. I worked had for that credit score and along with another incident, I have completely lost faith in the system. Is there anything I can do? The note holder makes it difficult to see what my interest rate is and that has me worried as well. Can you help me or steer me in the right direction? What they did to me is not right.
04/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NM 87110	Web
I ordered car online today XX/XX/2023 vehicle promised available to be picked up tomorrow XX/XX/2023 in XXXX NM from retailer Carvana. Down payment on XXXX advertising at {$0.00} down then after initiating purchase down payment goes up to XXXX XXXX Usc 1662 B violation Of truth in lending act # 1. After completing purchase car is suddenly available a week later then original date- TILA violations # 2 misleading and misrepresentation. Then I proceeded to sign Retail purchase agreement contract wich after reviewing contracts noticed all paperwork post dated 1 week in future with only actual documents indicating actual date signed is the 7 day return policy contract making 7 day return window consistently intentionaly expired on date of delivery making cars essentially no longer eligible for return- Truth in lending violation # 3. Also Carvana is not even selling used cars in wich they poses title for in state of NM used dealers must own vehicles sold title on site XXXX and Carvana not conducting buisness according to state law. Additionaly You can pay for a vehicle on Carvana website and vehicle is still offered. For sale by XXXX after giving Carvana over XXXX XXXX dollars. My newly purchased XXXX is still listed for sale at XXXX right this very second meaning XXXX could potentially sell my car before I get a chance to take delivery or some random person could potentially take car I just purchased out on test drive etc. Im not an expert but pretty sure that they are not operating lawfully under Truth in lending or FCRA standards. Extended me credit until I complained then revoked offer of credit before offer expiration. Contracts say it all. Unable to load contracts so I am going to submit another claim so that contracts may be attached to this complaint be advised I am making additional complaint to attach contracts not duplicate claim is to be attached to this complaint.
12/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	VA 24060	Web
Purchased my 3rd Carvana vehicle back in mid XXXX. Was told payoff of trade-in, also purchased through Carvana, would be paid off within 10 days. After two weeks and no payment received at the bank, called back into Carvana and was told that payment was already made and to give more time. Called back in after a few more days and was told that the original payment was never made and that there had been a glitch. Was told that payment was being mailed out that same day and would be providing tracking info. Received tracking info later that day that turned out to be bogus. No check had been mailed. I remained in contact with the bank who has to-date still not received payment after 6+ weeks. I have made payments on both cars now and have another payment due on a car that has been in Carvana 's possession for 6 weeks now. In speaking with Carvana rep again, relayed that pay-off bank was requesting payment be made by over-night check complete with relayable tracking number. Was told by Carvana rep that they would do that today and have the tracking number emailed to me and posted to Carvana account by XXXX today. As we were wrapping up call, the system updated and the rep explained an issue that the agreement was posted incorrectly and that they were not sending a check, but going to attempt a transfer ( after failing at least 2 times over 6 weeks ) again. I reminded rep about need for tracking info and the agreed upon overnight check. Rep agreed and reached back out to funding about our agreed upon terms and was simply told that they were no longer overnighting the check. Rep 's hands were tied and could not override their funding department. Tried multiple times to communicate the agreed upon arrangements with them and was rejected. I have 0 confidence in Carvana 's ability to do what they say at this point and would like consumer protection to investigate their practices.
06/24/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MD 21040	Web
This complaint is addressed to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and all agents and employees doing business as Carvanna, LLC and serves as My notice of opportunity to cure and intent to sue. I have applied via 3rd party for an extension of credit in which Carvana accepted the duty. The application process is deceptive and misleading, and they are requesting an egregious amount of {$14000.00} for a downpayment which is a TILA violation. I was informed that the Financial Institution XXXX required the $ XXXX downpayment and that I would have to speak with them. I called XXXX and I was informed that they do not have anything to do with that and I'd have to work it out with the " Dealer Ship ''. I then initiated a text conversation with a Rep, to no avail I was instructed to give Carvana a call. The next day I called Carvan back at ( XXXX ) XXXX and requested to speak to a manager. One hour later I received a call back from XXXX XXXX. XXXX was unwilling to escalate my issue or sort it out as he indicated that he was not competent enough to understand the violation I was citing because he was not an attorney. In good faith Ive tried multiple times to get this remedied. The problem : Carvana, LLC is violating Truth in Lending 15 USC 1662 ( 2 ). No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. ( Pub. L. 90321, title I, 142, XXXX XXXX XXXX, 82 Stat. 158. ) I've attached exhibits to show that Carvana not only advertises Downpayments in various amounts but also changed the amount further along in the purchase process. This is an unfair and deceptive trade practices and a violation of the above regulation.
10/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	DC 20018	Web
On XX/XX/XXXX, I ordered a car using the Carvana app. I chose to trade in my previous vehicle and take out a new loan to satisfy my previous car loan and cover additional expense related to the new car. I selected to transfer my license plates from my old car to my new car. I picked up my new car and finalized the deal on XX/XX/XXXX. Earlier, the week of XX/XX/XXXX, I called and chatted Carvana to confirm that my plates would be transferred and that they would do it for me. Two different representatives confirmed that was the case - one on the phone and one on a chat. On XX/XX/XXXX I renewed my DC tags per Carvana 's guidance that my plates would be transferred. I paid {$110.00} and have attached the receipt and a photo of the new tags. On XX/XX/XXXX, I got an email from Carvana that they would not be able to transfer my tags, because they expired in two weeks. I emailed them back with no response from the company. I called and talked to an associate but it was already too late in the registration process to stop the creation of new license plates and registration. I asked for a credit for the {$110.00} ( which would now be part of my overall car loan ), but which I paid separately for out of pocket under the expressed guidance that my tags would be transferred. The associate said she would request the credit. I called back several times after that spending hours on the phone talking to several different associates who said they understood my issue and would request the credit only to have all of those requests eventually denied. You'll see on page 1 of the contract I am including in this complaint that the overall {$42000.00} price of my car ( the amount of the loan ) includes {$110.00} for the DC registration fee. Numerous calls and countless hours of talking to the company to try to get the credit issued have gone unresolved.
03/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 75180	Web
I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX and the vehicle was involved in a car accident on XX/XX/XXXX. On XX/XX/XXXX, the insurance company deemed the car to be a total loss. During the payoff process the insurance company advised that the finance company did not have the correct Title Work for the vehicle. There was a misprint regarding the mileage along with the car being registered in the state of Arizona. The car should have been registered in the state of Texas. Due to the misprint the insurance company XXXX XXXX ) stated that they would not be able to pay off the car due to the inaccuracy of the title. The finance company ( XXXX ) encouraged me to contact Carvana to have the issue resolved regarding the title. The process began XX/XX/XXXX and was updated XX/XX/XXXX, along with the license plates being received by mail on XX/XX/XXXX. I contacted the insurance company to proceed with getting the car paid off and was informed that a title search had to be completed before sending a payoff check to the finance company. I was advised that a payoff check could not be established due to the car being registered to an unknown third party. I have been working with Carvana for several months with this ongoing issue without any success. My credit has been impacted tremendously, when creditors review my credit they will think that my ability to repay is unsatisfactory. At this point I am asking that Carvana assumes ALL responsibility regarding this total loss. The State Law of Texas mandates that car dealers or finance companies to register the title to a purchaser within 20days of the purchase. Failure to do so subjects them to liability under the dealer licensing laws and if title is not conveyed, to civil liability to a buyer. It is a deceptive trade practice to sell a car to which you do not have title.
01/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AR 71913	Web	Servicemember
Purchased a car from Carvana on XX/XX/22 sell price $ XXXX tax $ XXXX $ XXXX payment {$2900.00} ( {$65000.00} amount financed ). I listed a handful of issues with car immediately and was told that they would fix it as it was under warranty. The biggest issue was the radio, to date my radio is not working properly ( popping and volume is very low ). I had a change in my personal life and looked to trade my car back to Carvana ( XX/XX/22 ) to purchase another vehicle from them, it was then that I learned that I was VERY upside down, I had {$24000.00} in negative equity in 4 months ' time. I took possession of my car on XX/XX/22 ). I did not trade in a vehicle, just simply bought a car. I now am stuck in a car that I really need to trade out of. My car payment is high and really need a lower car payment. I reviewed predatory auto loans and per definition, predatory lending is " any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ''. " Predatory lenders often use deception to get borrowers to take out loans they can't afford ''. This is what happened to me, my interest rate was very high and when I asked about the interest rate, I was told that I could make 2 payments and refinance. In XXXX I asked about refinancing after I learned that I could not trade due to all the negative equity that was placed on my car, I was told " Oh we don't do that anymore ''. So, I am absolutely in XXXX with this car. I really need help! No one should have {$24000.00} in negative equity in 4-5 months. I am being forced to keep a car that I can not afford. I do not have $ XXXX to give to a dealership to get out of this car. I have attempted to resolve this issue and Carvana has not assisted. I really need an intervention.
07/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AZ 85006	Web
I Bought a car from Carvana and it was the most horrible Car buying experience. Where do I start first of all on day 8 I find out that the motor was blown. Ok I understand So they tell me they are going to put me in another car. That was a complete Lie, I called back and they phone rep tells I am stuck with the car, She advises me that XXXX the warranty company will handle it from here on out and not to call carvana or her any more. So I ask to speak to a supervisor and it seems like they are playing games. Here is what drives me crazy the warranty company says they will put in a used engine from another car that has higher miles then the car that I bought. ( where do they do that at I said ) They will switch my engine out with an engine that has higher miles how convenient OMG. There is more to the story So I called and recorded the call with some agent named XXXX which I posted on my XXXX XXXX what a joke she says she makes the decisions for caranna. Wow Such a racket if you think the old-school way of buying cars was flawed. Wait to you try carvana. I have bought many cars in my life and worked for dealers. I guess they pull the wool over your eyes with a great big vending machine it's no different that the inflatable dancer Just comes at a higher price. Before you purchase or do any business look at what's going on in the media XXXX they are banned from doing business in Illinois and other states. I just wanted to buy a car for my daughter. The problem with carvana is they buy junk cars and got no place to service them they just send out to public and pass the buck to their sister company that makes the money off the warranty repairs XXXX a racket. Carvana is owned XXXX XXXX XXXX, The Father owns XXXX XXXX The finance Company which owns XXXX XXXX. Here is the kicker They own XXXX XXXX WOW What a racket
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CO 80011	Web	Older American
I am filing this compliant for my husband as he applied for a loan from Carvana on XX/XX/XXXX. Carvana called us on XX/XX/XXXX and stated that we could not get approved for financing because the identity quiz was failed and that we would need to get third party financing. The issues are as follows : 1. Carvana stated that the identity quiz was taken 2x but we were only offered the opportunity to take it once. They said the second time there were not any answers inputed. When we asked the question how did that happen when the system only offered the quiz one time. They stated it was a system error and they opened a ticket and sent me an email but no email was recieved. 2. Even though we failed the identity quiz there is a hard pull on credit report right after my husband took it. When asked Carvana they stated once again system error sorry there is nothing we can do. 3. Based on thinking we provided the correct answers we sent over personal documents as well as already took insurance out on the car based on there direction. When questioned once again recieved the response it was a system error, there was nothing they could do. 4. because of this they will not hold the car until proper financing from a third party is recieved. Because the verification quiz as failed they should have not proceeded in pulling the credit report or having us upload additional personal documents. They have a copy of the drivers license and require a notary so that should suffice. While policies are understood the fact that a credit report was ran without proper verification is concerning and should not have happened and the fact they we were advised that the system errored is not an excuse to do a credit pull if the proper authorization was not received. We find that
02/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	OR 97471	Web
Carvana forced me to give them my social security number and XXXX. XXXX says that's a credit card and XXXX says they can't ask me for that and since they broke the law getting it they are also committing credit card fraud because they used it to fleece my trust and since they took the money funds and didn't give me any binafits that's another crime. And I told them all of this over and over so ignorance is no excuse. I informed them of a list of laws and codes they where breaking several times. I have copies of our chat to prove it. I'll give you a list of a few. 15usc1602 15usc1662b 12cfr1002regb 12cfr1002.7 42usc408 15usc1691e 15usc1605 12usc4131 15usc1691e 15usc1679aand2 15usc1601 15usc1611 For starters. I need something done about this. I have signed contracts with them and the deal was done on more than one deal and they just cansle it and act like they never heard of me. Well I got the proof. And I need action taking to remedy the damages they have created. The same goes for XXXX XXXXXXXX and XXXX XXXX and XXXX XXXX XXXX I was pre approved through XXXX XXXX and now they are ghosting me so they are all screwing me and have no regard to the law. I have told them all over and over what their doing and they just treat me like XXXX. As the creditor remedy must be Givin. They all got rich off my trust and I'm left with nothing. Not ok. Not one has Givin me a list of diciding factors on why my limitless credit isn't good enough to give me what I need but it's good enough for them to fleece my trust and git rich. It's fraud and theft and since they gave me the ap and took responsibility as my trustee they need to go to prison. They all owe me millions. Please help bring these criminals to justice thank you
03/07/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	OH 430XX	Web	Older American
On XX/XX/XXXX I placed an order with XXXX for a XXXX XXXX. Total price {$23000.00}. It was to be delivered XX/XX/XXXX. I gave them bank details so they could verify I had funds available. They processed an ACH and funds were taken XX/XX/XXXX. On XX/XX/XXXX XXXX told me that due ti delivery problems the car would now come XXXX. I inquired about my funds and was told that if I had to cancel the car an ACH would be processed right away, no delay from XXXX. On XXXX XXXX delivered the wrong car ( different color and XXXX more miles ). Delivery man confirmed the car was wrong said he would be back in 2 hours with correct car. An hour later he called and said the pictures of the car online were not reflective of the one he had to bring me ( stained interior and many scratches on exterior ). I told him I wanted to cancel and get my money back. He agreed. I had a chat with a live representative that afternoon confirming the cancellation and my refund amount. On XXXX I called XXXX to reconfirm as the amount was not in my bank yet. While the customer service person could see the cancellation he noted that a refund had not been processed. I asked for a wire transfer. Representative called me back and said that a refund had been started but that their system would only allow an ACH refund and nothing more expedited even though they acknowledged they were at fault in the delay. I think it is unfair that XXXX took my funds without delivery when they could have just checked availability or taken a down payment. I think it is very unfair that after recognizing their error in not initiating an ACH on XXXX as promised they did not spend the extra dollars to send me a wire rather than another delay with the ACH process.
05/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CT 068XX	Web
Purchased a vehicle on XXXX XXXX and realized that the car does not have automatic locks and manual roll down windows. On XXXX XXXX XXXX XXXX XXXX, I cancelled the transaction due to this because of safety concerns for myself and my dogs that are frequently in the car with me. I never signed the contact for the vehicle. I contacted carvana about the {$1900.00} shipping fee to see if this could be reimbursed because the car had not shipped yet and told them my concerns about not having automatic locks. They refused to refund the shipping fee because it was over XXXX hours ( it was approx. XXXX hours when I cancelled the purchase ). Its difficult to even get in touch with anyone from Carvana ( only received a call after submitting a XXXX complaint ) - they will only text you generic responses and are unable to speak with a manager to discuss. I am requesting a full refund for the shipping fee. I feel completely scammed and cant believe they are not refunding for a car that never shipped and went immediately back online for sale when the purchase was cancelled. Contacted XXXX by Carvana after requesting a call back on XXXX and missed the call. Was unable to call them back directly on that number. Contacted by XXXX XXXX XXXX, ( after submitting a XXXX XXXX XXXX complaint ) via phone ( on a phone number that is not accessible to call the company - XXXX ), and was informed that the shipping charge would not be refunded even though the vehicle did not ship and immediately went back online for sale. He became extremely nasty on the phone ( to the point where I was visibly upset ), and informed me that if I pursued anything against Carvana that it would be a " waste of my time. ''
04/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	IL 605XX	Web
New purchase I picked up a XXXX XXXX XXXX from Carvana on last week. The car list minor scratches and has much more damage than what they listed on the website. The vehicle was listed as having XXXX, XXXX miles. When I arrived on my lunch break to pick the vehicle I advised the Carvana employee of the carved scratches in the hood, sideswipe on the front passenger fender and damage to rear bumper. All he said was its all within Carvana 's standards. I live approximately XXXX minutes from Carvana and when I arrived home I noticed the vehicle had over XXXX in mileage, not XXXX as listed. I didn't notice at pickup, because a maintenance note was showing, the vehicle was almost three months behind in servicing. I immediately called and advised Carvana of my concerns. I was told that I would receive a new contract, which I have yet to receive. This is the second vehicle that I have swapped out with Carvana within the last two weeks. The first vehicle had moderate front end damage, removed tint from the windows, and a dent in the roof of the vehicle. I was not informed of the damages, they were noticed at pickup. ALSO, the XXXX XXXX XXXX is back on the website, and the damage is not listed. The XXXX XXXX XXXX was delayed for pick up, as we experienced XXXXwo days of hail. I noticed chips in the windshield that are not noted, when advising Carvana, I was told that they do not cover windshields anymore. I returned the vehicle, because it was affecting my work days, only to swap out and experience the same thing. It appears that Carvana falsely advised vehicles listing minor damage, when they know more. I was told to file a claim, which all must be done within the 7 days.
04/08/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NY 124XX	Web	Servicemember
I purchased the first vehicle from CARVANA LLC on or about XX/XX/2019 they sent me a 2015 XXXX Terrain when it arrived the gas tank would not fill up all the way. The battery would continuously die on startup. I had them replace it with their 7 day return policy. They then sent me a 2015 XXXX XXXX when I took it in for an oil change a severe oil leak was found. XXXX of XXXX NY found a bad O ring around the oil pan drain plug. Numerous dirty filters as well. I paid over {$200.00} which carvana claimed they would cover {$150.00} of. Now the car has become a serious safety risk after just having the used vehicle for just over 69 days. The vehicle refuses to accelerate upon entering the highway causing severe safety problems. The traction control light remains on affecting the breaking system The break lights remain on after turning the vehicle off. During purchase of the vehicle I was NOT offered an extended warranty after contacting Carvana LLC numerous times about these safety issue they had stated since I was outside of their XXXX ( 100 day or 4189 mile ) warranty I was on my own. The supervisor XXXX did not and would not assist me. I would beg and plead for anyone reading this report to NOT purchase a vehicle from CARVANA LLC as their QC process is an absolute disgrace. Now I have to take the vehicle back to the mechanic and I was told it is most likely not covered under a power train warranty. This company has basically sold me 2 lemons and refused to assist me with this latest issue. I would advise anyone looking to purchase a used vehicle to go elsewhere as CARVANA LLC does NOT stand by it's customers even after just under 60 days!
09/30/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AZ 85326	Web	Servicemember
On XX/XX/XXXX I sold my XXXX XXXX XXXX XXXX sport double cab to Carvana, the representative showed up to my home at approximately XXXX and looked over my vehicle and verified the miles and presented me with the purchase documents to sign, which I signed and Carvana completed my electronic Equity payment MINUS the amount owed on my current loan to XXXX XXXX XXXX. They had a person from Carvana come at XXXX and pickup my vehicle and take it to there holding lot in XXXX , AZ . I was told my loan balance would be paid off within approximately 5days. On XX/XX/XXXX I was verifying with XXXX XXXX if my loan had been paid off and it WAS NOT so I contacted Carvana on XX/XX/XXXX to see why payment hadnt been made. I was informed by the representative with Carvana that they had no clue what I was talking about and that they didnt know they had my vehicle, I explained that they wouldnt have paid me if you didnt have my car and that I had a signed purchase agreement when they picked up my truck on XX/XX/XXXX. After looking further they found they had my vehicle but showed the representative that came to my home and finalized the sale CANCELLED the purchase by accident. Carvana requested a statement from my current lender on XX/XX/XXXX ( XXXX XXXX ) showing the next payment due date on my loan, which I sent to XXXX XXXX with Carvana on XX/XX/XXXX and claimed the payoff to my current lender would be paid/posted within 2 days, as of XX/XX/XXXX My loan still isn't paid off and I am getting correspondence from Carvana Only stating they want to purchase my Truck and schedule pickup for my vehicle which they already have in there possession since XX/XX/XXXX.
01/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NM 87120	Web
I recently purchased a XXXX XXXX XXXX from Carvana but have been unable to obtain possession of the vehicle. This purchase is financed through XXXX XXXX XXXX XXXX. This payment was received by Carvana on XX/XX/XXXX. A copy of the payment information was uploaded on XX/XX/XXXX as requested but no attempt was made to verify the funds. All obligations regarding this agreement have been fulfilled. The appointment to transfer possession of the vehicle is scheduled for XX/XX/XXXX. However, your customer service representatives have cancelled the appointment for delivery and are refusing to deliver the vehicle as agreed. The reason provided is that they are unable to verify the funds. Carvana has made no attempt to verify the funds with XXXX and the check has already been received with signature confirmation of delivery. The customer service department is also threatening to cancel my purchase as a result of their error. I have attempted to resolve this issue by phone with your customer service department but they simply hung up the phone and refused to speak with me. No reason was provided for this action. I reached out to your customer service representatives using the chat feature and they are refusing to make any attempt to verify the funds. The representative stated that I would need to place an order for a new purchase even though your organization has already received the payment for the existing order. They are also refusing to escalate the issue any further. Attached to this email is a detailed copy of the complaint and the XXXX proof of delivery. I am also including a copy of the payment information from XXXX XXXX XXXX XXXX.
05/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CA 90043	Web	Older American, Servicemember
Approxiamately on XX/XX/, I was in the process of purchasing a car from Carvana. I was still inputting information into their system and during that process they kept asking for income verification which I sent several times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I explained to them that I don't use checks and sent them my bank statements. They said that they were having a problem veriying the information. The car purchase was requiring a {$1800.00} down payment that was supposed to be delivered once I had the final approval of the purchase. These folks decided to pull the money from my account while trying to still verify my income and the agent then told me that it was difficult to verify but they took the {$1800.00} from my XXXX XXXX XXXX account without having approved the transaction. It was so stressful that when my phone alerted me that they had taken the funds without me getting the car. It made me upset and told them to cancel the transaction the same day. I asked them why they even took the money before I was given the final approval and I got no response so they said they would cancel the transaction and ensure that I got my money by Monday or Tuesday. That never happened. I am filing this complaint to ask that they not be allowed to take money from anyones account without a confirmed approval of the loan for their vehicles. It is an imconvience for anyone once they take it out and then have to return the funds even when there is no deal. I think they shoudl ensure that the purchaser has a written and verified confirmation of the acceptance of the terms and fudning of the transaction.
09/20/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92120	Web
On XXXX a payoff check was sent to Carvana/XXXX in the amount of {$67000.00} matching the payoff quote given to me by Carvana/XXXX on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. The payoff check was received by Carvana/XXXX on XXXX as indicated by my online portal at XXXX. The account showed " Paid in full ''. On XXXX a check in transit for the next months payment was received by Carvana/XXXX after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. On XXXX I received a check from Carvana/XXXX in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Carvana/XXXX after the payoff and that was cashed by Carvana/XXXX. The amount of that check was {$1100.00}. In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Carvana/XXXX. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. Upon calling CarvanaXXXX at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full. Additionally, they informed me that there was no time frame upon which they will release the title to the vehicle.
11/15/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 303XX	Web	Servicemember
Dear sirs, I purchased my vehicle from Carvana around XXXX/XXXX/XXXX, Ive not received my tags and registration to the vehicle by XXXX/XXXX/XXXX and contacted the office being my temporary tags were due to expire XXXX/XXXX/XXXX. The rep advised I should be receiving my tags by mail any day. By the time XXXX/XXXX/XXXX came, my temp tags are expired. I contacted carvana again and was advised by rep XXXX they should have come XXXX XXXXnd the rep will follow up with the department that handles the tags and contact me back. I received a voicemail on XXXX/XXXX/XXXX stating my tags were mailed out on XXXX/XXXX/XXXX and I should have received them by now., if not Im to file a police report and contact local DMV for replacement. I contacted the office back and talk to XXXX the operations XXXX, she informed they were indeed mailed out on XXXX/XXXX/XXXX, NOT XXXX and the next steps was to file a police report for lost or stolen tags, and contact XXXX, however, I have called numerous occasion, even prior to my temporary tags being expired and was NEVER informed this needed to take place, I was also informed they should be recieved by XXXX by another rep now Im being told something conflicting by the XXXX. I work 10/11 hour days and dont have the time to go to multiple entities to obtain my tags to a vehicle when Im under the impression the Car Dealership has processed. This experience has been extremely frustrating, not to mention I 'm at risk of receiving a ticket based on my expired tags. I have not come to any resolution with Carvana, I do n't even know if they processed the tags and registration.
02/12/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33013	Web
vehicle was purchase in XX/XX/2017 right away the vehicle had problems with alignment. caravana offered to have it fixed. once the car was fixed and week later the same problem occurred along with other issues that were identified when the manufacturer XXXX found in diagnostic. bad motor mount, ac issue, alignment, bad differential, bent rims. appeared as if car was in accident vehicle has multiple recalls, for transmission issues, motor mounts, a/c and also over heating issue in the engine. we tried to return the car after the 3rd time it had to be taken back for the same issues, yet the caravana manager XXXX or XXXX denied the return of the car alleging that it was not able to be return because it wasn't in the time scale to be returned when we call we had let them know if the issue persisted the car was going to be returned, all this occurred right after receiving the car and they were notified as they had to payment for a rental car. they ignored our calls and emails.. we were literally begging them to take the car back when we shouldn't of had to. they are having false advertisement/propaganda they will use any reason to get out of returning a bad car. at the time only thing we were able to do was retain a lawyer and filing a lawsuit against them but we did not have the XXXX it require to take the step. the car today has over heated, the vehicle has a recall for that. yet XXXX dealer ship wanted to charge for the repair or even to look at the car. at this point the car needs to be returned due to extensive issue that are not repairable.
05/24/2023	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Confusing or missing disclosures	FL 32907	Web
On XX/XX/XXXX I inquired to Carvana to see my XXXX XXXX XXXX XXXX to them, the process was initiated on carvana.com, I entered my vehicle information, odometer mileage, conditions etc, After supplying all of the information ( odometer picture, driver lice picture ) car condition, odometer of XXXX, XXXX XXXX XXXX, XXXX, excellent condition, I was sent an offer of {$20000.00} pending final approval. A few hours letter I received an email stating my offer changed to {$16000.00} due to incorrect mileage information. I contacted Carvana and confirmed that the offer initially received had the correct odometer information and I submitted a screenshot of the initial offer with the odometer as prove. After I spoke with several representatives and being on hold for 2 hours, they advised me that " someone '' entered the mileage as XXXX initially and that's why the offer had to be lowered. I supplied once again the screenshot of the original offer of {$20000.00} showing the mileage entered XXXX and my initial offer must honored as I entered the correct information and showed proof that I did. I called back on XX/XX/XXXX Tuesday and after being on hold again for 2 hours I was told that there is nothing they can do since someone in their dept entered the wrong mileage and the can't approve the original offer even when I did enter the correct information. Carvana offers a high amount to buy your vehicle and 2 i hours later decided to lower the offer without valid reason. Offering consumers false information to attract business
05/24/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 94043	Web
I tried to purchase and trade in a car through Carvana. After submitting my title, they requested " trade verification '' that the title was listed in a business entities name. Clearly, title had been transferred to my person in XXXX of XXXX on the title. I called on XX/XX/XXXX to get further clarification. The representative agreed that the title clearly showed transfer to my ownership and said they would cancel the request for additional information. On XX/XX/XXXX, less than 24 business hours after initiating the transaction, Carvana canceled and claimed to refund everything but the " non-refundable '' {$1900.00} shipping fee. After calling them again, they stated that they needed free and clear title, when I pointed out the language on the title certifying that " this title is free and clear of all liens '' they volunteered to refund XXXX to my bank account via ACH. It was an acceptable outcome. On XX/XX/XXXX I checked my bank account and saw that the money had posted to Carvana out of my account. When I called again on XX/XX/XXXX they stated they would not be refunding the {$1900.00} because it was " non-refundable '' and that I had agreed in the contract to pay the fee regardless of the reason for cancellation. When asked if they would review the recorded calls, they stated they only review calls under court order. When asked for a copy of the contract, Carvana sent me a mailing address for their legal department and stated that they delete all contracts if the transaction is cancelled.
10/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA XXXXX	Web	Servicemember
XXXX with Carvana LLCXXXX Was told by Carvana Rep I must file paperwork for a refund of sales tax collected with my local tag office. I went to the Tag office and was told the refund must be processed by the dealership i'm 100 % permanent & totally XXXX veteran. Per GA state law I am entitled to sales tax refund on 1 vehicle that has the XXXX veteran tag. Carvana now says it is too late for them to process the refund and my local tag office says CARVANA must submit the request for the refund. Carvana should correct their mistake/bad instructions and request my sales take payment of approximately {$3700.00} be refunded the XXXX XXXX GA XXXX XXXX XXXX XXXX Ad Valorem Tax on Vehicles XXXX XXXX XXXX This exemption applies to either the annual property tax or the title tax, whichever is applicable. This exemption is for veterans who are verified by VA to be 100 percent totally and permanently service-connected XXXX and veterans rated unemployable who are receiving or who are entitled to receive statutory awards from VA for : ( 1 ) loss or permanent loss of use of one or both feet ; ( 2 ) loss or permanent loss of use of one or both hands ; ( 3 ) loss of sight in one or both eyes; or ( 4 ) permanent impairment of vision of both eyes to a prescribed degree. The exemption is granted on ONLY one vehicle the veteran owns and upon which the free XXXX Veteran ( DV ) license plate is attached. Veterans who qualify for the XXXX XXXX or XXXX XXXX XXXX specialty license plates are also exempt.
12/06/2020	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	CA 92780	Web
Purchase a vehicle from carvana on XXXX, delivery and financing were completed with out problem. Fast foward 2 months and never received the new registration for the vehicle. Contact carvana say its okay they will process the registration before the temporary plate expires. I call carvana again a few days before the temporary plate expires and they claim they do not have the title for the car, that is why they have not registered it yet. Carvana then states it will be completed before the expiration of the temporary plate which is XXXX. Call carvana the day the plate expired they magically have the title and say the paperwork will be completed soon, leaving me a vehicle i can no longer drive. Offering no reimbursement at that time. Carvana claims paperwork was submitted on XXXX and offering to refund a months pay for {$280.00}, since im required to take taxi 's to and from work because i can not drive my vehicle due to their negligence. This amount only covers 5 days worth of taxis. On XXXX carvana contacts me saying the new registration is on its way via fedex and will require a signature to deliver. I request a tracking number so i can have someone be able to sign for this package. Carvana customer service claims they can not provide a tracking number. They will no longer respond to calls or chats on there website. It has been 3 weeks since i have been able to drive a vehicle i am paying for with no information as to when or if they actually have registered the vehicle.
06/30/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 21117	Web
I purchased a car from Carvana on XX/XX/2021. Its now XX/XX/2021 and I haven't received a title. The contract has be reconstructed two times due to Carvana 's mistakes in the paper work. The car broke down in XXXX and it was repaired. In XXXX I recieved an email saying I hadn't made my car payments although I did. I called XXXX which is the company that manages Carvana 's car loans and they told me the account had been closed. I called Carvana back and they told me the loan was being reconstructed. I then get an email telling me to sign the new documents and the interest rate is incorrect. So now they have to rebuild the contract again. My car breaks down on XX/XX/2021. I call the warranty company and they tell me that the warranty was cancelled on XX/XX/XXXX. The vehicle is now stuck on the side of the road. I call Carvana and they tell me that I didn't sign the contract. Then she looks in the system is sees that I did sign the contract. I talked to two agents from Carvana and got disconnected from both. I check my email on XX/XX/2021 and I now have an email saying I owe {$2700.00}. I call XXXX and they say if I make a payment today they can stop the charge off. I made my payments from XXXX to XXXX and the account was closed in XXXX. Now I am stuck owing money that I already paid and without a car. All of this has happened in the last 6 months. The vehicle still has temporary tags and no one can tell me when and how to resolve this issue. This is causing undue stress.
11/10/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30238	Web
I leased a vehicle from Carvana in XXXX, I was making my payments fine. It came time for me to get my hard tag and I was told that it was a delay. They provided me with a temp tag that was registered in the state of Arizona. I got pulled over by XXXX County Sheriff, they accused me of stealing the car and presenting false documentation. They ended up giving me a ticket for no tag and told me not to ever present that tag again. I then reached out to the XXXX XXXX who informed me that Carvana never finished the paperwork to even begin the registration process. Come to find out they put the wrong state sales tax on the paperwork according to them. I informed them then that until they make this right, I would not make another payment to them. The temp tag they provided me with expired XX/XX/XXXX I was then told by Carvana that they were not going to do anything about the tag until I paid, but even once I do that, it would be 1-3 months before they may be able to still get the car registered and they would end up taking the car back and swapping it, or taking the car back and giving me my money back. I then told them why not come pick up the car now and give me my money back now because code enforcement came around and was going to cite me for that vehicle being in my yard with no tag. They sent me a another temp tag Tuesday registered in Arizona again, but then came and towed the car last night. Please help me, or point me in the direction of someone who possibly can.
04/23/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33013	Web
Vehicle has had issues since the we received the car, car and never gave option given the first issue regarding the steering they requested chance to have it repair while this ran up time with the return warranty, therefore once the vehicle was received back from manufacturer it wasnt able to be returned. Feels as if they set me up. They never offered to trade it for another car. Regarding last complaint this was offered. To trade in the vehicle. If there is a trade in option on the table They need to send proper paper work and start this process or have manager handle this issue professionally as the experience hasnt been the best. Company is lying, my requests were denied I have records of everything. The vehicle was never accepted to be returned even upon receiving it and issue being recognized while receiving the car. This is my last formal attempt, to mediate and get the issue resolved. Caravana is very negligent while resolving issue regarding their own personnel handling costumer issues. The car was never accepted to be returned again If you want the vehicle taken as a trade in send me paper work but the funds for vehicle must be covered close to what is was bought for and the next car will be heavily inspected. Just need this issue fixed this is not fair at all, given that we were proactive with everything and in time frame. We feel as if it might of been maybe issue with representative not handling the issue as it should of been at a professional level.
08/12/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	MD 20850	Web
Carvana made false advertisements about a XXXX down payment, 90 day deferred initial car payment, 7 day swap into a different vehicle. The later two being the eye catching feature for purchasing a vehicle. The representative XXXX shredded the initial contract paperwork and a month later used the same date as the purchase date for the vehicle. This cause the 7 day time period to switch into a cheaper vehicle to lapse. The initial car payments to be due sooner. This created chaos and two payments to be made within the same month. This caused one month payment to be omitted. As advertised a deferred payment was offered due to COVID-19 then later rescinded due to the percentage rate being too high. The offer was exclusively for those with lower interest rates. Emails were sent requesting the Bill of Sale to be provided to Carvana ( who originated the document ) from the consumer before the registration or tags would be issued. The time lapse for the time the paperwork was shredded. XXXX who collects the car payments did not report each payment. The credit amount was reported as increased which made the payments appear to be underpaid. The credit score decreased 42 points. This has the potential to diminish refinancing. During four months of a few visits to the XXXX juke box vending machine, calling and being placed on hold, calls transferred and disconnected, no answer at times the tags and registration were finally released. This company is a scam.
09/25/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	IL 60160	Web
my partner and i bought a car on XX/XX/XXXX because carvana offered a car by XX/XX/XXXX if i purchased now. i needed a car an thought the cost was too high for a XXXX XXXX at total around {$17000.00} or about that. this was after the loan, taxes, and everything, my partner has no credit issues but hasn't built any so we wanted to finance a car to build them some, so we agreed to the 9.2 % even though it was high. the terms of the sale told us to insure the car and upload the documents buyers valid license. we sent in every document and the car delivery was set for XX/XX/XXXX. On XX/XX/XXXX our carvana account asked me to resign the document and pick a date from XX/XX/XXXX and on for delivery, for 3 days i called and argued that there were violations to laws being made, we need the car and i wont accept it after XX/XX/XXXX, finally by the XXXX they said it would come XX/XX/XXXX at XXXX, this day my number went straight to management who told me verbally that there were no changes to my contract and said it had to be resigned because of the delivery date. when i looked at my contract it had said my interest rates were now 26.194 %. they refused to change the contract so i wont sign it. im contacting you to help consumer protection. the state of illinois is also being cheated out of taxes because carvana doesn't properly register cars, i've seen endless people claim titles are missing and lost meaning the state want paid but people were charged.
09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08618	Web
In XXXX of 2021, I purchased a used vehicle through Carvana within a day the car 's engine light came on. I choose another vehicle BUT though the 2nd car was comparable in make, model and price Caravan wanted times more the down payment I had already paid. Ultimately, days passed and the 2nd car deal fell through. When I went to have the vehicle repaired I was informed I was in a " rebuild process '' that could take 0 days to " rebuild '' the original contracts. However, on XX/XX/XXXX my granddaughter and I were caught in a flashflood that totaled the vehicle. My car insurance quickly completed their process and paid the car off. However, Carvana and its affiliated finance company DID NOT. I have had to file several complaints with the XXXX to get Caravan to complete the " rebuild " process. Likewise, I had to file a XXXX compliant to get XXXX to apply the checks to my account which they applied XXXX BUT removed XXXX XXXX, for reasons unknown to me. AND, today, XXXX added a negative rating on my credit report for the full amount of the loan to a vehicle that has been paid off. Additionally, my GAP insurance company is waiting for Caravan and XXXX to supply them with documentation to complete their process. These people have made a horror situation worst by lack of transparency and competency and I believe they are predatory lenders harassing me for a vehicle that they know was deemed a total loss from a natural occurrence. PLEASE HELP!
10/10/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 92307	Web
my name is XXXX XXXX, I am who I say I am and no third party is involved with submitting my complaint. on XX/XX/2021 I entered into a consumer credit transaction with Carvana when I filled out an application to use my right to extend credit for personal and household purposes. Since Carvana operates under Truth in Lending and a Finance Charge is involved with this credit transaction I was surprised to see that they required a " down payment '' from me when a Finance Charge as defined under 15 usc 1605 is the sum of ALL charges in any consumer credit transaction and does not include charges of a type payable by a comparable cash transaction. So I called Carvana 's customer service line to try and resolve this issue and every rep I spoke to was willfully and knowingly giving me false and inaccurate information regarding the existence of their " required '' down payment. After speaking with underwriting they still continued to give me false and inaccurate information and continued to schedule call-backs which they said would be 24 hours, but I had to continuously call back and it took over a week to finally get to their executive complaint department and they too just gave me the same false and inaccurate information. Carvana is now in violation of 15 usc 1611 and can be held criminally liable for willfully and knowingly giving me this false and inaccurate information and for failing to comply with any of the other requirements under TILA.
10/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33062	Web	Servicemember
I financed a vehicle through Carvana. The vehicle had XXXX miles on it at time of purchase. This vehicle was said to pass all inspections. And had everything up to date in terms of services. Shortly after driving the vehicle, mind you my check engine comes on. I bring it to the dealership that makes the car. And I contact Carvana asking if they would be willing to help since the car was in their care for these miles that this inspection was never done. I was charged an insane amount of money to fix this issue with the purchased car from Carvana. It didnt have the XXXX mile service. A few weeks go by and the check engine light comes on again. Different issue. Charcoal canister needs replacement. Then again fuel economy sensor , drive sensor. In conclusion I purchase this car in XXXX of XXXX. Since then Ive put roughly 6 thousand miles on it. Ive had it serviced 4 times. And taken to the dealership 6 times for a check engine light. This car had multiple internal issues that was never dealt with before selling to me. As well as physical issues such as an issue with my turn signals. Which was reported to be fixed in the XXXX, but it still persists to this day. I even had my gas cap replaced. And next I fear the breaks are going. All this in XXXX XXXX miles. Outrageous. The car in question is a XXXX XXXX XXXX XXXX XXXX sport. So you can imagine the bills Ive had fixing things that Carvana should have had fixed before Selling the car to me.
04/20/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MD 20748	Web
In late XX/XX/XXXX I was approved for an auto loan with XXXX XXXX. In the loan docs they indicated that if they were " unable to register my vehicle I would receive that amount back ... '' ( because they have provided no service ). Almost every other day I get an email indicating I have " registration issues/flags that need to be cleared .... '' before they can register the vehicle. I am aware of that ( additionally when the rep came to my home to deliver the new vehicle she also indicated that " I could register the vehicle myself and they would give those funds back to me '' ). I even called the company and told them this would take a while because I was a victim of fraud/identity theft and the person has over {$1000.00} in fines and fees that I can't afford to pay in whole at this time. I actually have to go into the MVA to clear those fines and then I can enter into a payment arrangement while at MVA. Also MVA would be able to register my vehicle in addition to purchasing plates. The company is finding any and every way possible not to return the funds to me. I even presented them with a page from their own contract and my signature stating such ... their response, " my Supervisor said that this isn't [ applicable ] in the situation so we can't refund the charge ''. It's just a lame excuse not to send the funds back to me. I told them that they, " should not have put that information in writing if that was the case ... ''
10/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	FL 33155	Web
I have filled out my consumer credit application with CARVANA for a 2022 XXXX XXXX after receiving an email to go ahead and see my offer, I have encountered a big issue. I have been told that in order to complete the consumer credit transaction/order I need to pay {$5800.00} this is for a financed vehicle that will be used for household and personal purposes. I reached out to CARVANA via their chat and I was told in order to get to the underwritting department I would have to complete the order. Not only is CARVANA customer service not helpful, but CARVANA is in violation of my consumer rights. I provided the customer service rep " XXXX '' with 12 CFR 1026.4 so she would understand my questioning of such amounts but ultimately after an hour no resolution other than having to place the order. Ia m still without a response and without being able to acquire the car. I would like for CARVANA to complete the transaction with all of their fees and " down payment '' added correctly as per 12 CFR 1026.4 so I may go and pick up the car. I also want to stress out that XXXX says insurance, service fees, dealership fees, are part of finance charge, as such said transaction should be XXXX out of pocket for me to pick up this car. Denial of acces to my credit would be discriminiation per Equal Credit Opportunity Act and Carvana withholding my access to my credit and securities would be considered securities fraud.
08/27/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 23188	Web
I brought a XXXX XXXX XXXX on XX/XX/XXXX in which time I was issued temp plates through Carvana, LLC. On XX/XX/XXXX I call Carvana to locate my Plates, after speaking to the service dept. I was told someone from the local office will be calling me to tell me the plates was going to be XXXX XXXX that day. Once receiving that call from a local employee by the name of XXXX. She explained that there was a mistake with the mileage on the title and until the mileage is corrected I would have to wait for it to be changed. So I received another set of temp plates under 30 days as an EXP date. As of XX/XX/XXXX I have yet to receive my Plates and registration for my truck and the temp plates are about to expire AGAIN on the XXXX of XXXX. I spoke to two Reps. Today that stated that they are working with their registration Dept. to correct the problem and find out whats the status. I was told that they are on hold with that Dept. and will call me back with an update which I haven't heard anything back as of yet. Mine you, I already made my 1st payment and my second is due soon with no Hard Plates or registration as of yet. I dont understand why is the process taking so long to be completed. Its been 55 days since I received the truck and nothing is being done about getting my plates to me! I need someone from the corporate registration dept.to call me with an update as to where are my plates and registration?
12/04/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	CA 95823	Web
Improper or illegal advertisement of downpayments and installments, Lack of full disclosure, and no equal consideration of contract I had to pay a {$1000.00} downpayment when purchasing from this company which is not a customary sum for a down payment for this company which is a requirement according to the following U.S. code : 15 U.S. Code 1662 ( 2 ) - Advertising of downpayments and installments Stating No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Carvana/XXXX put up nothing of value on their end so they had nothing to lose ( no equal consideration and lack of full discolsure ) I have reached out to XXXX via mail requesting a full accounting of my loan accounts but was denied and threatened. The following code shows the loan application that is tendered is equal to the amount of Federal Reserve note that the application is applying for. 12 U.S Code 412 Application for notes : collateral required The second sentence of this code states : Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.
11/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NH 03102	Web
To whom it may concern, so i applied for a credit application on XX/XX/2022 for personal, Family, household purposes. had seen a XXXX XXXX XXXX that i wanted to purchase with credit. so i went thru the credit application process INCLUDED my credit card as defined under federal law Truth And Lending act ( TILA ) as any card, plate, coupon book or any credit devise existing for the purpose of obtaining money, property, labor, or services. which then gave carvana access to my open end credit account also defined in ( TILA ) then i got a offer asking for XXXX for a down payment. my only problem with this as im reading ( TILA ) under XXXX titled finance charge. the finance charge shall be the sum of all charges is this true? meaning grand total shall be no more charges as i already payed for the truck under my open end credit plan. it later says that the finance charge does not include a type payable in a comparable cash transaction. meaning no wire transfer, no cash and nothing comparable to cash. so for carvana to try swindling payment from me they are also advertising sale XXXX ( XXXX ) that a specific down payment is required in connection with any extension of consumer credit. carvana aided and promoted such down payment willfully knowingly to undermine me as a natural person. would like to note that i was also not offered insurance for my credit transaction can you explain why? thank you
02/12/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NY XXXXX	Web
I am being severely financially abused by the car dealers. They are sharing my information and allowing strangers to say rather or not I should be allowed to buy a vehicle. I have already been preapproved with the financing dept and have an excellent credit rating, no missed payments, ever. There is an abuse from the company itself and others who have contacted them saying they are decision makers for my finances. " She isn't allowed to ... '' I am a fully grown adult and the information pertaining to the purchase of the vehicle shouldn't be shared with anyone. There is also someone saying that I am not who I say I am, and that they don't know who I am ... I'm not my own identity and they are abusing me inside my home regarding a purchase made on the internet. The car company is ignoring me and will not respond at all. I have cash and they will not deliver an automobile and they are trying to say that they don't want me to be able to leave my home with intentions to do something to me inside the house. The car company is allowing this conversation to continue rather than completing the interaction for the purchase and using this as an " example '' of why they will not be allowing my child to come home, they have XXXX my son and are saying that because I tried to purchase a vehicle that my son will no longer be coming home. The child is crying and has been XXXX.
03/28/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 77049	Web	Servicemember
I purchased this vehicle from XXXX online I had a 7-day test trial the vehicle had over XXXX miles. After driving the vehicle for 3-4 days, I advised the company that the car was not shifting gears correctly. On the sixth day of having the vehicle, I advised the company that car would not start s and I was left stranded they sent me to a local service station where I was given a new battery and I advised the mechanics to check for possible transmission issues I was told that the vehicle was fine. Within 90 days, outside of my XXXX-mile warranty, the car transmission gears continue to shift and I continued to have issues with the vehicle. The car transmission went out and I was left with no vehicle it sat in a service shop until XX/XX/2022. The car was repossessed because I stopped making payments on the vehicle because I advised the company and the XXXX dealership the the car was having transmission issues from the very beginning. I recently viewed my credit report and noticed the company wrote off the car for XXXX before repossession of the vehicle. I knew from the very beginning of the loan contract that the transmission had issues I kept taking it to their service center that passed the vehicle with flying colors. I am a XXXX XXXX and the loss of the vehicle cost me income. I believe that XXXX sold me a defective vehicle knowily.
03/04/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	DE 198XX	Web
I contacted Carvana about possibly purchasing a XXXX XXXX through them. A consumer representative reached out from ( XXXX ) XXXX It was a legitimate call. I mentioned offhand that I would check through my financial provider XXXX XXXX to see if I could get third party financing. The representative sent me an email at my request that included a list of financial institutions that I can not finance through. I began receiving phone calls the next day regarding fraud to my XXXX Account. XXXX does not reach out over phone to report fraud. I messaged Carvana and asked them to delete my account because in all likelihood, the representative reached out through an unencrypted phone line. I was told that they only have to fulfill the request if I am a California resident. What are my options for resolving this issue? All I want is for Carvana to delete my account. I take information security very seriously and do not want others impacted by my issue. I have never received fraud messages before this incident. I explained the steps I would be taking to Carvana. For some reason I can not retrieve the chat history of my complaint to them any longer. I filled my account with dummy information at this point but left my email XXXX as a point of contact so they could resolve my issue if they find a way. Thank you for your time.
04/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 28216	Web
THIS IS TITLE ISSUE... NOT EXT WARRANTY OR GAP BUT I DID NOT SEE THE OPTION LISTED PLEASE HELP ME WITH THESE CROOKS! XXXX XXXX XXXX, NC ( XXXX ) XXXX PURCHASED MY XXXX XXXX FROM CARVANA XX/XX/XXXX. TO START, THEY INSPECTED MY CAR AS A XXXX. TOOK DELIVERY OF MY CAR, THEY REACHED OUT A DAY LATER BEGGING ME TO GET MY OWN CAR INSPECTED AND MADE ME AWARE OF THE SITUATION THAT TOOK PLACE BLAMING IT ON THE TECH. I WENT TO GET IT INSPECTED AND FOUND ALMOST XXXX WORTH OF SERVICE WORK THAT NEEDED TO BE DONE, THAT WOULD NOT HAVE PASSED A NC STATE INSPECTION. WEIRD RIGHT? TOOK MY CAR TO XXXX XXXX XXXX WHERE XXXX THE STORE MANAGER HELPED ME TREMENDOUSLY. MOVING FORWARD, THEY COVERED THE COST OF THE WORK AFTER THREATS OF REACHING OUT TO THE DMV INSPECTOR. FAST FORWARD TO XX/XX/XXXX ... I RECEIVED A TEXT FROM CARVANA THAT THE TAG HAS BEEN ISSUED AND ARRIVING IN 5-7 BUSINESS DAYS. I'M CURRENTLY TEXTING WITH AN ADVOCATE AT CARVANA NOW THAT TELLS ME THAT WAS A MISTAKE. AND I CAN ONLY GET A NEW TEMP TAG IF THE REGISTRATION WASN'T COMPLETED. NOT WHAT I WAS TOLD MONTHS PRIOR. AFTER REVIEWING THINGS ONLINE, I SEE I AM NOT THE ONLY PERSON GOING THRU THIS. WHAT'S GOING ON? PLEASE HELP ME GET ANSWERS AS I'M STILL RIDING ON A XX/XX/XXXX EXP DATE ON MY CURRENT TEMP TAG. ALSO, JUST OPENED ANOTHER XXXX COMPLAINT TODAY AFTER THE TEXTING ALSO.
05/14/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NY 14624	Web
I applied for a vehicle loan at Carvana on XX/XX/XXXX. The next day I was advised that I just needed to have my Chapter XXXX dismissed and re-submit the application which I did on XX/XX/XXXX. When I went to re-submit, they were having technical issues that prevented the submission ( code 400 ). The customer advocate submitted a tech support ticket and the issue was resolve on XX/XX/XXXX. I successfully re-submitted as was told that I just need to submit additional documents by XXXX XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I sent in the requested documents ( insurance affective for XX/XX/XXXX and XXXX income documents. ) At XXXX XXXX but was not able to delete the old documents, therefore having duplicate documents attached. I then contacted customer service to verify. Later that evening at the end of their business day, I received an email from underwriting stating that I DID NOT MEET THE DEADLINE. I contacted a customer advocate, supervisor and team leader who ALL stated that they did not see why the underwriter did not open the updated documents. I told them that it ha to be either more technical issues on their end or the underwriter was rushing to leave for the day. After escalating to management, I was reassured at XXXX on XX/XX/XXXX that " no worry-you will receive your vehicle on XX/XX/XXXX as expected ).
02/02/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC XXXXX	Web
On XX/XX/XXXX My husband and I was driving on the highway and my XXXX XXXX XXXX just stop in the middle of the highway. I called Carvana on XX/XX/XXXX and explained what happened and I spoke with XXXX at Carvana at XXXX who explained that they have a limited warranty which last for only 100 days or XXXX miles whichever comes first. I explained that I purchased the car on XX/XX/XXXX, and the truck was jerking. We mention it to the sales rep and she stated that the ruck is a 8 cylinder truck and the cause could be the torque. It has not been 6 months and the transmission on the car is gone. I advised that this seems like a pre existing condition and they should fix the issue due to I still have a {$400.00} car payment to pay on a car a that doesn't work. XXXX then transferred me to XXXX who stated the same exact thing about a warranty. I ask to speak to a supervisor. They transferred me over to XXXX. XXXX returned the call back to me and explained the same exist thing. I advised XXXX that I will reporting them selling me a lemon. I just want Carvana to fix the car because I am sure this is Pre existing condition. This is not a normal ware and tear when a transmission goes out. XXXX XXXX is still requiring a payment. I cant afford to pay a car payment and pay to get a transmission on a car. This makes no sense to me.
02/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 11101	Web
I purchased a vehicle from Carvana in 2019. My account was assigned without my knowledge to XXXX. I was recently looking over my car contract with Carvana and noticed several discrepancies. First I was forced to leave a downpayment or I could not get the vehicle unless I gave {$2000.00} down. They committed fraud by requiring cash with a consumer credit transaction. I was also never informed of my right to rescind or given recession paperwork. That is against the law and a violation. There are also a ton of charges which I do not understand and was not provided with any explanation as to what they are for. The finance charge is the SUM of all charges. I have recently received mail from XXXX after sending a cease & desist. They are still contacting me without my expressed written consent.The letter which I have attached made several defamatory statements and is defaming my character. Harassing phone calls throughout the day and night. Threatening mail which included threats of legal action and false claims were made against me which have caused willful injury. I have also noticed my signature/ notarization missing from the Power of Attorney form which is fraud because I never authorized anyone to act on my behalf. I no longer want to do business with you. I have also attached a copy of your arbitration agreement.
10/08/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	OH 436XX	Web	Servicemember
I purchased a vehicle from Carvana I paid my down payment I pay my car note early they did not go over my paper work and sent me an affidavit a few days before my temporary plate exasperation. The representative told me he would check and call me back later in the day I never got the call back. So I called back the next day and had another representative check on my plate. She returned to the line and told me they where going to get me a rental car but I have to pay a {$50.00} dollar deposit for the rental. I dont go get the rental because why should I pay anything when its not my fault. So a week later I call and ask are my registration and Tag on the way now I get Carvana saying they dont know how long it is going to take to get my truck registration or plate. The representative ask me we have given you a rental. I told the representative I shouldve to pay anything for something thats not my fault. She puts me on hold and returned on the line and offered to give me a XXXX dollars for my trouble. I in return ask if they would either put my payment for the month at the back of my loan or waived the payment due to not being able to drive my vehicle so this is my complaint of not compensated for my inconvenience but to offer me compensation that doesnt add up to the amount I pay a month for my vehicle
05/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TN 37922	Web	Servicemember
XX/XX/2020, I purchased a car from CARVANA using an extension of credit from my XXXX XXXX XXXX XXXX Signed a bilateral contract between Carvana and the beneficiary of the trust. Undisclosed to me was the fact that my private information would be sold and given to third parties without my consent or knowledge, this is identity theft and fraud. I have sent numerous debt validation letters but none have been properly validated. Furthermore, upon receiving information on the original creditor, CARVANA, and requesting a debt validation, CARVANA responded saying they were unable to validate. I have sent XXXX, the third party collector, numerous debt validation letters in which XXXX sends unvalidated, altered documents in which XXXX is not listed as a party but lists Carvana as the original creditor. However, when I request validation from Carvana they are unable to provide it stating that XXXX has the original document, however, XXXX has failed to produce any contract that shows them as a party with any security interest. Therefore, if Carvana is unable to validate the alleged debt, XXXX is not listed on the original contract and is unable to validate the alleged debt, how then can the debt be validated and reported negatively to my credit reports? And if so, what were the steps taken to validate?
07/24/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TN 37013	Web
On XXXX/XXXX/16 started the process of purchasing a vehicle from Carvana on a referral from a friend. Found there website easy to navigate thru and great selection of vehicles. Went to the process of esigning all of the documents. Was given a date to which to pickup the vehicle at the XXXX XXXX. We we 're excited as the whole XXXX concept intrigued us and something we can share with the family. On XXXX got a call from there Customer Advocate informing me that they would be furnishing us the loan because of what theu called discrepancies in my application. The same information was used to purchase my fiances vehicle and also to enter into a home loan purchase so was astounded to be told they would n't be doing the loan. Not sure why we get all the documents like purchasing agreement and buyer 's guide only to be told no. Also i entered our bank routing and account number which worries us that it 's just sitting in there system. I found there Customer Advocate to be extremely friendly and helped answer all my questions that we had prior to making the decision to purchase a vehicle from Carvana. There UW i found to be condescending extremely rude and heartless just calls says we ca n't help you. Did not nor would not give us the opportunity to correct any errors we might have made if there was
08/17/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	WA 986XX	Web
I purchased a car from carvana XX/XX/XXXX and was driving the vehicle with temporary rages until XX/XX/XXXX. I filed a complaint with the attorney general inquiring about my tags and the next thing I know is I get a call from XXXX with Carvana and she said they want to pick up the vehicle because there is an issue with the title, meaning they sold me a car without getting the title. They picked up the vehicle and said I can buy another car from them but have to apply for a new loan and the terms of the new loan will be offered, not the terms of the loan when I purchased a car initially, which was XXXX down. Due to their negligence I had to purchase another car and pay {$2900.00} down payment with XXXX. Carvana refunded me the payments I made on the vehicle, which was my money I paid on a car that had registration issues all along, I was sold a car in bad faith. I also had to pay insurance on the vehicle that had registration issues all along. Id like to request compensation for the down payment I had to pay on another car due to their negligence plus reimbursement for all of my insurance payments, which they neglected to reimburse me, a total of {$1300.00} in insurance payments for a car that they took back and never offered registration for. Total compensation is {$4200.00}.
03/02/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	MA 02124	Web
I attempted to purchase a car through Carvana. I have been working on trying to obtain a car with them since XX/XX/XXXX. Every time I attempt to comply with their policy and procedure to obtain financing for a car, I am told different information each time. The lastest issue came about when I signed a contract to purchase a XXXX XXXX XXXX VIN number : XXXX. For starters, my credit was hard pulled twice within a 5 day time frame without explanation. I was advised that my down payment for the car would be {$400.00}. When it came time for Carvana to delivery the car to me, they rescheduled me twice. Delaying the delivery by one week stating they are waiting on a car title. If they did not have the car title, they should not have sold me the car. I decide after the 3rd delivery reschedule to cancel the order on that car and obtain another. I went back to the same platform to search for the same type of car, found one that I wanted, and started a new order. My credit was hard pulled again. Now making this 3 times within a month. My financing terms have significantly changed. I been advised that my down payment is now {$1800.00}. I have called Carvana for clarity now twice and no one is certain as to why my terms have changed within a 2 week time frame. I need specific answers
07/28/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MT 595XX	Web	Servicemember
I filed a complaint with the XXXX & in CARVANA response they lied & unfortunately I couldn't respond in full because in the limited amounts of letters that I could use. The following is my complaint, furthermore CARVANA states that my XXXX CREDIT SCORE is OVER XXXX LESS POINTS THAN WHAT IT ACTUALLY IS. I started with selling my car & at the end of the process I was told that I had to drive 9 1/2 hours for CARVANA to pick up my vehicle, AT NOT TIME during the selling process did it clearly state on the website or when I spoke to NUMEROUS representative that I needed to meet CARVANA in XXXX XXXX, ID. When trying to purchase a vehicle it was an experience I wouldn't wish on my worst XXXX. I spent approximately 10+ hours on the phone & 3 hours texting in a 7 day period. I asked to speak to a SUPERVISOR 7 TIMES & was denied 7 TIMES. I was told in that same 7 day period by 5 different representative 's that they were going to call me back & never did. The final straw was when a representative ( her name started with a V ) STATED " I WILL CALL YOU TOMORROW MORNING & HELP YOU FINISH TRADING YOUR VEHICLE & PURCHASING THE XXXX XXXX ''. I waited all morning, afternoon, & night & she never called. Customer service was terrible & unprofessional. Do business in your community.
01/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MD 210XX	Web
You have violated the XXXX by denying me credit for unknown reasons after already running my credit having access to my social security and personal information and notifying me that I was pre-approved. You then denied me credit by claiming that my information could not be verified, and possibly fraud. The below is your response : " XXXX XXXX, To protect the integrity of our Verification process I will not disclose any additional details regarding our decision. Rest assured, we did complete a secondary review to ensure that our internal process was followed properly and have confirmed that we will not be moving forward with any transactions in your name. We wish you the best of luck in your car buying journey outside of Carvana. Best regards Carvana Dispute Team '' I have submitted the full conversation as long as other proof that I was approved for credit. You also have very misleading bait and switch marketing tactics by advertising lower downpayments only to click on the vehicle and the down payment is substantially higher. This is a clear violation of 15 usc 1662 ( 2 ), this is something that CFPB and FTC has constantly addressed in their many publications on their site, please give it a look for your own ediication. Thank you XXXX All rights reserved.
12/04/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	AZ 856XX	Web
I am currently in the process of buying a XXXX XXXX XXXX ( Vehicle-ID XXXX ) with Carvana LLC. Everything for the loan is done, my income is verified, I signed the contract electronically and I requested delivery of the vehicle for XX/XX/2019 or XX/XX/2019. The only thing that is missing, is the bank confirmation, that the required down payment of XXXX ( XXXX XXXX ) $ is not currently in my account available I am out of State and will return on XX/XX/2019, and the XXXX $ will be available on XX/XX/2019 early in the morning. Carvana does not charge the account until the vehicle is accepted by the customer, so I asked their Customer Service Person, to please hold the vehicle until XX/XX/2019. I was ( pretty rude ) told that they can not do that and I should look for another vehicle and then go through the procedure again. I know for a fact from a friend of mine who bought a car from Carvana, that they did exactly this -holding a car for 6 days. ( I will get a written statement from my friend ) BTW-Carvana provides delivery service between 5-15 days after the deal is done. It would cause me a potentially very substantial financial loss, if Carvana could not hold the vehicle until XX/XX/2019. Actually it would only be an extra 2 days from their normal delivery date.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77087	Web
I Purchased a car with Carvana LLC. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXXXXXX XXXX XXXX XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. ( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX in my contract. XXXX is the servicer for the securities created by Carvana XXXX XXXX XXXX. They have my car listed in Carvana XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,
05/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 76210	Web
On XX/XX/2023 I am getting a car with carvana. When I first started the paper work I signed up for the short warranty and was given an XXXX XXXX. Before I finshed the paper work and gave my down payment I ask if I could take the warranty. I was told if I did that they would have to start the paper work over and the system might ask for more verification paper work to be sent in. I think that was just a tactic to keep the charge on my account. Carvan pushed my delivery of my car back twice. Sending me out two different sets of paperwork. On there app it has my XXXX XXXX I called them and ask them to send me out paperwork with the updated XXXX of XXXX not XXXX XXXX they told me the XXXX XXXX was a mistake and XXXX would stand. I told them thats is a bait and switch and they could not do that. I Also told them I had not signed the new paper work and since the car had to been delivered the old paperwork did not count. They told me nothing could be done I ask for managers and was denied. I ask again and was told I would have to wait 24-48 hours for a call back. I told them u would file a claim and they disregard me and pushed me to the side there custom service is horrible and they only tell you take the car or go some where else and buy one
02/17/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CT 06042	Web
1. I entered into a consumer credit transaction with Carvana on XX/XX/XXXX for a used car. 2. On the application page they asked for my personal bank statement and utility bills which they are not supposed to ask for in a consumer credit transaction in which a finance charge is in involved. ( Pursuant to 15 USC 1605 ; the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. ) 3. After I filled the application and got approved, they gave me a date for delivery of the car. 4. They then sent me an email requesting current bank statement which the bank hasnt yet updated so I couldnt provide. 5. Because of this they denied me credit and requested more personal financial information without respect to my personal privacy as a consumer. 6. They pulled my consumer report without a permissible purpose under the Fair Credit Reporting Act. 7. I dont have an account with them under collection nor review.
01/30/2021	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 152XX	Web
To whom it shall concern I reached out to carvana to correct a debt issue with them as the are a debt collector who did not give notification they were a debt collector furnishing deceptive forms to a federally protected consumer, in order to collect a debt. I entered a consumer credit transaction with an open-end credit plan and used the vehicle for household and personal use. As they are a extension of the creditor of the consumer credit transaction using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. They don't have nor can provide me with the original contract for this alleged debt using multiple names, obscene symbols and use of obscene language on the alleged contract could be indecorous to the eyes. Carvana has violated me as a federal consumer in the corporation and needs to be held legally accountable for their ambiguous actions as a debt collector they are. I am demanding the agency to work with me the federal consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth and Lending Act or else i will purse federal litigations if needing re-enforcements on the facts of Federal Law.
11/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX XXXXX	Web
1. Purchased a XXXX XXXX on XX/XX/XXXX. There were numerous issues getting the car delivered and I ended up having to trailer it from XXXX Texas to XXXX XXXX at my own time and expense. 2. the inspection was not properly performed by Carvana before delivery and this held up the registration for several months. 3. We were short a key they told us was with the car and they agreed to provide one at no cost. 4. XXXX dealer would not provide a key without a current registration. 5. By the time we had a valid registration ( months of delays by Carvana ), Carvana and their captive warranty company - XXXX - refused to pay for the key. 6. They owe me {$1200.00} as a result. 7. They are trying to claim that the 120 day warranty that comes with any new carvana purchase had expired. THIS WAS NOT A WARRANTY ITEM!!!! THEY REPRESENTED THE CAR HAD TWO KEYS AND THEY AGREED TO PROVIDE THEM!!!!! Most recent '' : They are claiming they contacted us in XXXX. However, when we tried to make good on their promise with the XXXX dealer in XXXX, they said Carvana/XXXX told them it was too late. They defrauded us on the sale of the car and are now insisting we continue to make payments even though they have not upheld their end of the agreement.
03/31/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 92113	Web
On XX/XX/XXXX I entered into a consumer credit transaction for a XXXX XXXX XXXX XXXX vehicle with Carvana, LLC. I have sent affidavits certified to Carvana and their XXXX XXXX informing them that my contract was fraudulent and misleading which were delivered on XX/XX/XXXX and XX/XX/XXXX. These were all Federal violations of the Truth In Lending Act which included falsely stating the finance charge ( 15USC1605 ( a ) ) by not including my insurance with the finance charge as well as not providing me with the proper documents and disclosures of my right of rescission ( 15USC1635 ( a ) ). I demanded my right of rescission, monetary relief of {$30000.00}, an audit trail and account records of the transaction, the title to the vehicle free and clear, reimbursement for all insurance payments made Pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) for Criminal violations as well as Civil violations Pursuant to 15 USC 1611 due to their negligence. I received a response dated XX/XX/XXXX only stating that I still owe the debt and nothing further. I have included all the Federal Consumer Protection Laws in the affidavit mailed to them proving their violations of the Truth in Lending Act and they failed to acknowledge and respond accordingly.
07/03/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MO 63031	Web
Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
11/27/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	KY 402XX	Web
I have 2 issues. Both would likely set off someone. But im being patient ... .but also really getting sick of this company. 1. I paid Carvana my taxes in XXXX on the car, then had to pay the taxes again to the state, when getting it titled. I was told a reimbursement was coming by Carvana back on XX/XX/XXXX. It took forever to get titled because I I expected theym to pay the taxes that I paid to them. I havent seen it and its been weeks since I initially spoke with a rep about this. Today a rep confirmed it has been sent. This is unacceptable... I've been overcharged basically by 1200 and they arent trying to fix it in a reasonable time. By the time the do finally mail a check ( which is not my prefered method ) I have to wait for it to get here, deposit it in some bank .... wait for it to clear and this is going to still take weeks. Meanwhile I have bills to pay. ) 2. I paid off the car in XXXX. Ive never received a release on the lien. I cant do anything with the car because they've had a lien on it for 4 months longer than the time I owed them money. No one seems to know what to do on their end. Carvana has tens of thousands of my money locked up basically over a check and a form and they aren't doing anything about it.
09/03/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NV 89011	Web
Purchased my car from CARVANA XX/XX/XXXX. Temp tag expired XX/XX/XXXX. Im an XXXX driver, and rely on my car for my income. Im not able to drive it legally, Im paying for a car payment and insurance. I ALSO have to pay {$280.00} a WEEK, and they thought it was suitable to send me a {$250.00} check to cover me for another MONTH! They said I wont have my plates or registration MAYBE on XX/XX/XXXX, but wont continue paying for the rental I have to use to do my job and make an INCOME. The woman on the phone literally said - if it was me, I wouldnt send you the check. Oh, so youre telling me i have to work an extra 12 HOURS of DRIVING a week just to pay for the rental before i start making my income? Thats cool. Absolutely ridiculous. One woman says it hasnt been sent, the other says it has. They constantly lie and beat around the bush and dont care about their customers AT ALL. One guy has been waiting 160 DAYS for his registration. How is this even okay??? So I am physically drained beyond belief while these girls are sitting at home saying they think I dont deserve to be paid for the rental I shouldnt have to pay for if they did their job right in the first place? Quit blaming Covid, the DMV in Nevada is NOT backed up.
09/12/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 33702	Web
Hello, Contacted XXXX XXXX XXXX XXXX XXXX after experiencing multiple problems with a car purchased just shy of a year ago. The warranty was purchased as an extended warranty, to cover the cost of anything that could go wrong. What happened is one day my car started and the screen that displays radio, air conditioning, and back up camera did not work. I called to see what to do and XXXX XXXX told me to take to a dealership for diagnostics. After being diagnosed, my car needed a new battery harness, which connects to the computer of my car. Due to a malfunction within the cable itself. This may have caused signal to go out to the radio module. XXXX XXXX declined completing the work order and referred me back to carvana. Carvana then told me they would take care of me and not to worry, they just needed the complete diagnostics from XXXX. After connecting with them apparently they decided they are unable to fix this. Its outrageous. During multiple times not only did XXXX XXXX tell me they would fix it due to the items not being on an exclusions list so did carvana. Attachments ; photo from Wesite stating what XXXX XXXX entails ; photo of exclusions from extended warranty, photo of email denying coverage.
01/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
those people claiming to work for CARVANA refuse to follow cited law, which you will see in the attached 'CARVANA_CFPV_GOV_complaint.pdf '. aside from that, it is written in the most popular used law dictionary, according to XXXX, which is the XXXX 's law dictionary, " DRIVER. One employed in conducting or operating a coach, carriage, wagon, or other vehicle, with horses, mules, or other animals, or a bicycle, tricycle, or motor car, though not a street railroad car. A person actually doing driving, whether employed by owner to drive or driving his own vevehicle. XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ''. '' again, drivers are persons, i.e. the employed, that XXXX drive for 'a living ' '', i.e. taxi driver persons, ridesharing driver persons, semi-truck driver persons, delivery driver persons. as for people? people have a god-given right to travel freely because people were already granted the right to travel by a XXXX XXXX that no man can match nor overthrow. therefore, it serves absolutely no purpose in participating in the drivers licensing program, service - or whatever you wish to call it - and is absolutely pointless in obtaining such identification or member card for any pupose.
10/21/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 75180	Web
This has been the worst experience ever! The car was delivered on XX/XX/2021, with bad breaks, missing floormats, a malfunctioning sunroof, and broken parts to the windshield. Carvana says they have a 7day guarantee or money back option. I've been attempting to get the windshield fixed since the first week of having the car and Carvana has constantly provided wrong information since I have addressed this concern. I have requested for a manager to call back and I'm still waiting on a return phone call. I'm sure that Carvana knows about the Lemon Law however they don't seem to abide by the Lemon Law regulations since they have failed to inspect the car prior to delivery. Carvana has also given me the runaround for about three weeks with going back and forth with XXXX XXXX ( auto warranty ) knowing that the issue was due to lack of inspecting. The car dealership is expecting a payment of $ XXXX for something that should have been inspected by Carvana . I would NEVER recommend anyone to purchase a vehicle from Carvana. Carvana only wants your money and they do not care about their customers. This seems to be a trend that they have. I know someone personally who has had the same exact challenges as me.
02/03/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TN 374XX	Web	Servicemember
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from Carvana. I financed about {$4500.00} with a company chosen by Carvana called XXXX. I paid this loan off IN FULL on XX/XX/XXXX. Carvana did not register my truck until the end of XXXX, almost XXXX days AFTER the loan was paid in full. They listed themselves as the lienholder at the time of registration, and they registered the truck in a county I do not live in, which is illegal in Tennessee. XXXX states that Carvana and XXXX are " XXXX in the same '' company, yet they are not ; XXXX is the loan servicer. Carvana will not provide title despite numerous requests. XXXX issued a Paid in Full letter that came directly from them as if they were the lienholder, and they did not sign it, so it was rejected by the XXXX and XXXX XXXX. I have filed a complaint with the TN Dept. of Commerce and Insurance, but they only sanction the dealer, they can not help enforce releasing the title. Attached is XXXX pages of documentation showing the procrastination and smoke and mirrors by these XXXX companies. It will be XXXX days since the loan has been paid in full and I need my title, or a legal release of lien signed by the listed lienholder, Carvana.
08/12/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 30083	Web
I applied for an auto loan through Carvana and was originally approved for financing. When I selected a vehicle and submitted the required documentation i was told by my underwriter that she had to adjust my income based on their own guidelines. As a result i was unable to finance the first vehicle i selected. I then proceeded to select a second vehicle within the guidelines set by my underwriter ( XXXX ). Upon completing all the requirements and a verification call with my bank to verify deposits I was told that they had everything they needed. I verified my funds for deposit and afterward i received a call saying that the guidelines that were set by my first under writer were no longer valid and that half of my income would not be accepted. I asked for a copy of the company 's financing policy that outlines acceptable and non accepted forms of income. I was denied this information. I believe that when i sent a copy of my license and they saw that i was XXXX they decided not to lend to me. There is no document or policy stated on their website that excludes any forms of income however i was denied because part of my income comes from online sales.
12/07/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 75034	Web
According to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Vehicle loan or lease. Regarding the company 's response, they failed to address any of my concerns or complaints. They only provided updates when a payment was made or when a contract was signed, but completely ignored my recent contract amendments that were sent to them. These amendments were in violation of FINRA laws, UCC laws, and the Fair Credit Reporting Act. This lack of response is completely unacceptable, which raises a red flag about the way the company conducts its business. By disregarding my concerns and failing to address the violations of important laws, they have shown a concerning disregard for their obligations and responsibilities. This behavior calls into question the company 's professionalism and integrity. It is imperative that they rectify this situation promptly and demonstrate a genuine commitment to addressing my concerns in a thorough and satisfactory manner release all payments and deposit made on the account including removal of incorrect reporting on credit report and release all securities owed back to me as the investor of this company.
02/28/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 28226	Web
On XX/XX/22 I reached out to Carvana via their website to start the car purchasing process. I was instructed to download their app which I did. One of the first questions for new customers is whether your current vehicle is leased, financed, or owned outright. Carvana does not allow trade ins on leased vehicles which mine is. They did not need to pull my credit which is a hard inquiry to know that they would not be able to complete my request. This information should have been shared with me and this company should have been transparent with these facts as soon as they were given the information regarding my current lease. This was deceptive, and manipulative and I was told everything but the truth outright by this company. On XX/XX/22 I contacted Carvana and told them I did not wish to move forward and to void my purchase order. I also contacted XXXX and was told that I would have to reach out to Carvana to have the inquiry removed. I reached out to Carvana and they gave me a void transaction letter but told me that they would not be able to remove this inquiry. This has been a terrible experience that I would not wish on anyone.
05/03/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	OK 740XX	Web	Servicemember
Purchased a vehicle from Carvana. They have been paid and my temp tags are expiring in a week. When I initially was going through the purchase process, a representative stated that they would take care of the costs for the tax and tag. I asked for specific details about how it would work so I would be prepared. It was stated that they would mail everything I needed to pay for the taxes and tags. Today I called, I was told that I would be responsible for taxes and tags out of pocket. The agent stated that since the finance agreement did not explicitly state that the tags and taxes was part of the purchase, that I would be responsible. I feel that this behavior was extremely deceptive and borderline lying to get the purchase through. At no point, did any of the agents state that the taxes and tags had to be in the agreement for them to take care of it. I feel like they should have not brushed over the questions that I had so that I completely understood what is to be expected. After the check has cleared, they have done a 180 and say I am responsible for tag and tax. It says it right there on their website, no hidden fees or costs.
01/30/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 15221	Web
I reached out to carvana to correct a debt issue that they don't have the the original contract nor did they provide me with a original contract, as they are a extension of the creditor of the consumer credit transaction. They didn't give a notification that the alleged debt they were trying to collect, was a debt as a consumer using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit for entering this consumer credit transaction with an open-end credit plan and used for household and personal use. They put obscene symbol 's and use obscene language on the copy contract that could of be daunting to the eyes as well. Carvana has violated me as a consumer in the corporation and needs to be held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth in Lending Act or else i will pursue federal litigations if need I re enforcement on the facts of federal law.
01/19/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC XXXXX	Web
I entered into a consumer credit transaction with Carvana LLC on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved, the finance charge in this case being in the amount of {$11000.00}. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction but all charges have not been included in the finance charge.. In my knowing that the finance charge is the sum of all charges, I was not expecting any bills from XXXX XXXX or anyone else. However, on XX/XX/2020 I received a bill from XXXX in the amount of {$390.00}, and they have sent me a bill every month since then XXXX attempting to collect a debt that I do not owe, which is a violation of federal law XXXX XXXX XXXX ( XXXX ) which states that the collection or the attempt to collect of any amount is not permitted. I have sent both parties ; Carvana and XXXX an Affidavit of Truth stating the facts of the violations committed against me along with exhibits, Ive also sent them a Cease and Desist demanding civil liability remedy for violating my consumer rights, as well as an invoice demanding payment.
10/26/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 290XX	Web	Older American, Servicemember
XX/XX/2022 I purchased a car from Carvana, I was scammed. At that time my XXXX score was around 720, I was in lock down because of Covid so I wanted no contact buying and did everything on line. Carvana tricked me into a subprime car loan over XXXX XXXX interest. These loans are for those with out credit or low XXXX scores. I complained and was told after the fact they dont consider XXXX scores. Ther car is a real lemon, it has a bad transmission, the under side is full of rust. The headlights have a moisture problem that causes them to shut off with it warning so I cant drive at night. Carvana is being sued by several state att generals for deceptive business practices. They cant do business anymore in many states, there is several class action suits against them. XXXX XXXX one of the owners Ive learned have criminal charges. I am no match for these people. Im a XXXX XXXX XXXX XXXX retiree. I spent over 35 years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am heart sick to think this company has scammed so many of us. I hear the FBI is investigating I hope this is true.
12/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	AL 350XX	Web
I recently applied online on XX/XX/2022 at XXXX for car loan through carvana.com and the application was approved. With a {$5800.00} down payment I spoke with one of the customer service representatives. I stated to the customer service representative that the down payments are not included into a finance charge under, Title 15 United States Code Section 1605 ( a ) The finance charge does not include charges of a top payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third-party, closing agent, including settlement agents attorneys in escrow and title companies, if the creditor does not require the imposition of the charges, or the services provided, and does not retain the charges. I explained to the rep that the down payments are not a part of the consumer credit transaction and are illegal and against the law. when she replied with a rude response then the conversation abruptly ended. It is to my knowledge that they are not exempt according to 16 CFR section 433.3. They declined me the option to finish the transaction without the down payment.
11/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 349XX	Web
Hello, I received a " pre-approved '' offer for carvana on XXXX XXXX. Carvana required that you created an account to look at the offer, after I created an account and looked at the offer I requested carvana delete my account. Carvana refused to delete my account and stated they are unable to delete accounts because of federal law and never specified what law prevented them from deleting my account. Carvana acknowledges that it sells information and markets information from it's account holders to other companies. It is highly irregular for a company to refuse to delete your account including accounts used to apply for credit. I have never been denied a request to delete my account or information. It appears carvana is harvesting user 's accounts and selling their information, profiting of it while denying them the ability to delete their account. Carvana is without my consent retaining my account and they have no legal authority to do so. CFPB should investigate carvana for their wide-spread practice of abusing customer 's information for commercial purposes under the guise of the law.
01/20/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33598	Web	Servicemember
Re : Account # XXXX, Vehicle : XXXX XXXX XXXX I have sent CARVANA, LLC, and XXXX XXXX XXXX XXXX XXXX a Notice of Pre-Arbitration. I have been attempting to rectify a matter with them on this alleged debt since approx XX/XX/XXXX. CARVANA hides behind the false, misleading, and deceptive practices of its consumers, debtors, and holders in due course. XXXX XXXX XXXX XXXX XXXX attempts to collect on an alleged debt in which I have no contract dealings/assignment with. Both companies who are associated with one another have violated in many ways. They have violated State and Federal laws such as the Fair Debt Collection Practices Act, Consumer Credit Protection, Claims to an Instrument, Truth-In-Lending ( regulation Z ), Preservation of Consumers Claims and defenses, Billing error, and many more. Notice of Pre Arbitration has been delivered and signed for at three locations in which they both operate from. Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX XXXX AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ
04/13/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30310	Web
We purchased a XXXX XXXX XXXX from Carvana, LLC in XX/XX/XXXX for {$11000.00}. We have made every payment on time. XXXX separate times we have received notification that the license plate was not ready and they sent us a temporary plate. Eventually we were called about Carvana picking up our car. We explained that we were not trying to get rid of the car and the agent said she would figure out what was going on. about a week later we received a letter from the loan holder that we had not paid for our vehicle and the car was to be repossessed. when we called the loan company to figure out what had happened, they said that the fault was with Carvana and we needed to call them. We did and discovered that they had not filed their paperwork correctly and were now going to take the car back. The offered to pay back what we had already paid them plus {$1500.00}. The car is now worth substantially more than it was when we had bought it. the exact make model and year on Carvana is for sale for {$15000.00}. When I explained that we would need a similar vehicle for the same contract they refused.
09/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MN 550XX	Web
I purchased a vehicle on carvana XX/XX/XXXX and agreed to pay a {$1400.00} delivery fee of vehicle. The money was in my bank account at the time I agreed. Literally minutes after placing the order I cancelled it, due to another direct deposit due for my account I learned would not be coming, so I didn't want to make my self broke and cancelled the order within moments of placing the order. 5 days later, they took the XXXX delivery fee out of my bank account. Since the time I cancelled the order, I spent some money, so not only did carvana take money out of my bank account 5 days after I cancelled the order, they overdrafted my account and left me with a negative XXXX. They would do nothing to help me except tell me they would return the money in 10 long days and nor pat the over draft fees they caused by withdrawing the money after the contract was XXXX are leaving me without any money for 10 days and now I have to pay {$600.00} in overdraft fees because of them taking the money anyway after I said don't. I have no money for 10 days. What am I going to do about food, gas, other bills?
08/15/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 32256	Web
I visited carvana website for an automobile because I received an email with the subject " Find out if your terms have improved in two minutes ''. I thought I received this due to the dispute that was just completed. When i first used their site to get my terms ( {$1800.00} down, 22 % interest rate for 68 months ) they were based off my FICO score at the time, which was XXXX due to an item that was incorrectly reporting - a medical bill for {$540.00}. I disputed the item, and within four days, it was deleted from all three credit bureaus, increasing my FICO to a XXXX. I have no other debt, no collections, and I am an authorized user on my XXXX XXXX XXXX card. There is no credit usage on the card. I was recently approved for two credit cards as the primary account holder. So, I went back to re-do my terms now that my credit has been fixed, and was told by Chat rep, XXXX, that i am unable to get new terms, even after the email advertising strictly said " Has your credit improved? You can see if your terms have improvedwith no hit to your credit scorein just a few minutes. ''
08/28/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NM 87110	Web
Misleading information retail installment contract should not require any cash exchange and requested all insurances and additional charges and protection plans be includes in the finance charge as I believe that is supposed to be the sum of all charges according to TILA guidelines and requested down payment i XXXX cash exchange with an extension of credit already approved and retail contract requiring down payment advised of 15 USC 1662b amended act of 1995 wich states that cash exchange under retail purchase agreement is not required unless thats normally policy for everyone I highly doubt the cash down payment is unusualy high and requested to correct contract to comply with Truth in lending act guidelines and be transparent and honest according to underwriter thats just the way they do things and they sell lots of cars so I replied so then you guys are committing fraud on a unpresideted scale and informed them of specific regulations that are in my understanding not being adhered to and boy did they get upset when I requested XXXX XXXXXXXX and asked for full disclosure
07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11214	Web
On XX/XX/XXXX I inquired to purchase a car with Carvana, the run my credit and say I was pre approval pending to some verification, they requested proof of income in the form of 3 months of bank statements, after they got the bank statements they mention they could no approved those documents and they will need evidence of me owning a business what i did, after it I receive an email saying they couldnt move forward with the approval because I havent provide a Registration and Insurance Card in order to move forward with the review to either approve or declined the loan, since I am not willing to insurance a vehicle I do no know if I could get approved for I asked the company to deleted the application and since the way they advertise the service is absolutely different than my experience I call then to request of the removal of their inquire to my credit but found myself in a circle calling they do no have an specific department that handle this inquires so I am trying to get Carvana to deleted any related account and also their credit inquire from my credit report
03/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 31313	Web	Servicemember
Continuous errors on Carvana 's behalf. My vehicle is jointly owned. Originally, they only had 1 owner on all the paperwork. Caught that mistake, had to send all paperwork back out to be corrected. They've issued me a temporary extension ( tag ) which is not valid for the State of XXXX. I learned this via State Trooper on XX/XX/XXXX. The current extension is for the State of XXXX ( Their base ). Purchased my vehicle on XX/XX/XXXX. Its been 3 months and I have yet to receive my registration nor can they issue me an extension on my currently expired registration which means I have a car I am currently making payments on which I can not legally drive and I have been driving my vehicle without a valid tag for all 3 months. I am in the XXXX. The military does not take transportation issues as an excuse. Their solution is to have me continue to wait on the registration department and a {$500.00} rental reimbursement which will take another 45-60 to receive. {$500.00} doesn't even cover a rental for a week. The perfect solution would be my registration, expeditiously.
04/15/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	TX 75701	Web
I traded my vehicle in to carvana. That vehicle had low miles and NO ISSUES whatsoever. The vehicle I received in return has had SECERAL ISSUES that I made carvana aware of. I got the vehicle in XXXX of XXXX and it had XXXX miles on it. Today, XX/XX/XXXX it has XXXX miles on it because I haven't been able to drive it the majority of the time I've had it. It has been in and out of the repair shop. When I tried to add the carvana care ( extended warranty ) it did not give me the option... which I would also like to note that the vehicle that I was trading into did not offer it either. The previous repairs were covered under their XXXX XXXX XXXX warranty and the vehicle was put into the shop on the very last day of that warranty. Fast forward to present, a supervisor named XXXX approved me to trade the vehicle in buy when the new vehicle was to be delivered, they refused. The field rep named XXXX told me that my best bet was to do a voluntary repossession. I told her that would ruin my credit and she shrugged her shoulders and proceeded to drive away.
04/15/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	OK 736XX	Web
On XX/XX/XXXX I went to XXXX ok and traded my XXXX XXXX XXXX in to carvana for a XXXX XXXX XXXX everything was good till I had to reach out to them for a registration form because my paper tag was out of date and I was informed that they were not moving forward with the sale that I had to write a letter to the underwriting team and they would not tell me anything else on the issue I still have no clue why this has happened but this morning I had wrecker service show up to get the car and I didn't allow them to take it till I got my trade in back they won't talk on the phone they won't tell me anything and they are trying to pick up the car without giving me back my car I traded in or a reason why it's even happening they never called or sent any notice saying this is what they were doing I wouldn't of even known if I didn't call them to get registration for tag I've tried reach out several ways no one will talk to me about it its been put on my credit report and they are wanting me to make a payment as well idk what to do please can u help me?
02/16/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	SC 29036	Web
We purchased a used XXXX XXXXXXXX XXXX from Carvana ( VIN # XXXX ) on XXXX for {$16000.00}. We secured our own outside financing for the loan and made a {$1000.00} down payment to Carvana. Fifteen minutes after purchasing the car we had a mechanic inspect it and the entire undercarriage of the car was rusted and would likely fall apart within the next 1 to 2 years so we immediately returned the car on XXXX. Carvana says it can take 3 to 5 days for us to get our refund. Carvana cashed our {$1000.00} down payment check on XXXX. Carvana relisted the XXXX XXXX XXXX on their website for sale on XXXX and there is a new purchase in progress for the car on XXXX from another consumer. As of now on XXXX Carvana still has not refunded our {$1000.00} down payment and they have not refunded the rest of the {$15000.00} loan to our bank ( XXXX XXXX XXXX XXXX ) so that they can close out the car loan. Why are businesses like Carvana able to turn around and sell a lemon vehicle to another unsuspecting consumer before they have refunded the previous consumer?
10/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AL 368XX	Web	Servicemember
Good morning, My name is XXXX XXXX I am 100 % XXXX Veteran and I purchased a vehicle from Carvana XX/XX/2022. I received the car on XX/XX/2022 the scheduled date for delivery. On XX/XX/2022 I received an email stating that I paid Alabama title and/or processing fees that I wasn't supposed to pay and they will reimburse me ( XXXX XXXX XXXX my funds. I pay my car note every month on time, I don't mind paying if I owe, but it's been going on 4 months. 1 phone conversation and 3 text later I keep getting the same answer from this company and I still haven't received my refund. I have been patient with them, but now I would like an answer on when I will receive my refund. Every time I call, text, or chat I get the same results they tell me they are working on it or to call back. I have done what they asked all the way to my on time payments for my vehicle and still no results. I have attached email that was sent from Carvana along with the text messages of the conversations that was had between myself ( XXXX XXXX ) and their employees.
06/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33770	Web
I purchased a car from Carvana and it was delivered on XX/XX/22. I called and asked to return the vehicle in XX/XX/22 as it was not the car for me. Carvana has a 7day return policy on all its vehicles. I tried to swap the car but they wanted a new check from my Bank and I didnt want to go through the entire approval process again so, I cancelled the entire order. Carvana scheduled the car pick up at their leisure and it was finally picked up on XX/XX/22. As of today, XX/XX/22, Carvana has failed to returned the monies to my bank and refuse to confirm or give me evidence of such, whenever I call them to find out about the status. Meanwhile, the loan continues accruing interest even though I no longer have the vehicle in my possession. I feel. Carvana is holding on to the monies maliciously and on purpose to get back for the free 7day car return policy which at the end of the day, it isnt free. Perhaps if they didnt sell lemons of a car to consumers, people wouldnt cancel orders. I am never using them ever again!
06/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AR XXXXX	Web	Servicemember
Carvana is stealing money from Veterans in Arkansas and I am assuming many other states that issue a Veteran License plate at a reduced rate. I notified Carvana multiple times I would be transfering my registration over to the new car and have a verbal contract agreeing for the refund of the registration fees. However Carvana instead ignored this and is now attempting to steal money from myself in this insane fee which was not required. They have refused to refund this fee, this means that Veterans are being charged and extorted by Carvana for something that is not needed. Additionally, most likely due to the recent increase in states taking action against them and unhappy customers they have snuck in an arbitration agreement to their contracts to prevent their customers seeking justice and public awareness of these practices. The CFPB should take immediate swift action against Carvana for its numerous illegal practices and the insane amount of customers reporting issues with carvana 's " registration ''.
06/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	AZ 85013	Web
I purchased a vehicle from CarvanaXXXX. The vehicle I chose, a XXXX XXXX XXXX XXXX, I chose it specifically because it was advertised to have the adaptive cruise control feature. I received the vehicle and the delivery person commented on how cool the feature was. During my 7 day trial period I sat down to figure out how everything worked and discovered that the vehicle does not in fact have adaptive cruise control. I contacted Carvana on XX/XX/XXXX and was told a ticket would be opened to have the issue resolved. I never received a response so I reached out via text on XX/XX/XXXX and was told the most they would do was to send me a {$500.00} check for the inconvenience. A XXXX search confirms that to have the feature added would cost approximately {$2500.00}. I feel the advertisement was misleading and I was tricked into keeping the vehicle by them stalling by opening a ticket for the issue putting me past the 7 day trial period. I feel this situation violates UDAAP and is false advertising.
04/20/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85206	Web
Date of transaction XX/XX/2021. Account : Persons on Contract XXXX XXXX Purchaser, CARVANA GROUP , LLC dba CARVANA seller/alleged creditor, XXXX XXXX XXXX, XXXX XXXX Type of Account : Investment CARVANA GROUP , LLC dba CARVANA/BRIDGECREST CREDIT COMPANY, LLC contracted and conspired XXXX a fraudulent loan with XXXX XXXX the consumer XXXX XXXX XXXX, consumer, allege to be the actual lender from XXXX credit card use in the transaction. CARVANA GROUP , LLC XXXX CARVANA violated Truth In Lending Act Regulation Z. Agents notified failed XXXX XXXX rescinded the contract and is due remedy. XXXX continues to attempt/collect payment for a voided contract and attempted to steal XXXX XXXX XXXX XXXX that is legally XXXX 's XXXX Contacted the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Counsel for the XXXX firms XXXX, XXXX Dealership where vehicle was sold from in Georgia XXXX, XXXX headquarters in XXXX Arizona XXXX XXXX XXXX, XXXX XXXX in XXXX, Arizona
11/23/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NV 89156	Web
I have been waiting for well over two months for my license plate and registration to arrive in the mail. I have spent hours on the phone with Carvana and contacted them through several social media sites to try and get information on where my paperwork is and not a single employee has been able to give me information or a time frame. I was told that their 3rd party vendor had sent my paperwork to the DMV XX/XX/XXXX and yet I have called the DMV several times and they have never received any paperwork from them. Last call to the DMV was XX/XX/XXXX. I was also told by the DMV that they are not allowed to give out temporary license plates from a different state and both temporary license plates I've received have been from XXXX XXXX XXXX. When I fi rst bought my car I was told I would receive my plates in 30 to 45 days. It has now been well over 65 days and there is no estimate on when I will receive them. People have been waiting for over 6 months and it is completely unacceptable.
07/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 94509	Web
I bought a XXXX XXXX XXXX from Carvana online in XX/XX/XXXX. Few months later, I found out my wheels were staggered and could fall off the car, according to XXXX. It is a health hazard and i have a XXXXyear old i carry in the back seat. Carvana never disclossed to me that the wheels and drive train were changed. This is my life we are talking about, and that of my family. I am a XXXX man and i know if i was XXXX, I would be given full disclosure. Carvana and XXXX ( warranty company ) would not entertain my explanation and consider my claim, even though there's a record of me reporting this same issue when i first found out on XX/XX/XXXX. They claim i needed a Diagnosis from when i first reported the issue, even though I've sent them and uploaded a file from my Service Advisor at XXXX, and the PDF clearly states my claim. This is not a new problem. This is something that started even before i got the car. Why can't it be simply corrected back to manufacturer 's specification?
01/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60056	Web
I have contacted this Dealer several times in regards to rectifying their mistakes and damage caused for their negligence but have not received any formal response. I am excising right to rescind due to this companies negligence, deceptive practices & fraud. I was given financing from a financial institution but was still required to pay the company what was " considered '' a downpayment in the amount of {$1400.00}. Under the Truth In Lending Act 15 U.S.C. 1601, et seq. ( TILA ). [ XXXX ] TILA requires originating lenders in particular consumer credit transactions to provide certain disclosures about the loan terms and the rights available to the borrowers. If a lender fails to adhere to the TILA requirements, consumers are provided certain remedies, such as suing for damages or rescinding the loan entirely. [ XXXX ] Such information was not provided to me. I have subsequently exhausted all options at this point and would like assistance in getting my issue heard and resolved.
05/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NV 89128	Web	Servicemember
I placed an order on XX/XX/XXXX for a XXXX XXXX XXXX with a {$700.00} down payment on XXXX. I was told online, on their website and the app, that registration and title would be included before signing the contract for the loan. After signing all required documents, I received a notification via the app that my registration was complete and plates were on the way. It also stated that if I didnt receive my plates by XX/XX/XXXX, to give them a call. On XX/XX/XXXX, a week after the 7-day return policy ended, I received and email stating they were notifying me of the change in their registration and that all Nevada residents will now be processed as title only. I immediately called in to dispute it and was told theres was nothing they could do and I would have to pay registration fees in full. I feel as though it was very misleading and false advertisement to say it would be covered by XXXX on the website and app and then be told I have to pay for registration out of my pocket.
10/20/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	MO XXXXX	Web
Notice, it is a fact, affiant is aware, CARVANA falls under both defintions of seller and creditor as evidence in subsections 16 C.F.R. 433.1 ( j ) and 16 C.F.R. 433.1 ( c ) Notice, CARVANA is in violation of 15 usc 1662 ( 1 ) which prohibits the need for a specific downpayment amount in order to obtain an extension of consumer credit. Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by CARVANA, violating 15 U.S.Code 1691 ( a ) ( 3 ) -- ( under title 1602 ( f ) credit is the right granted ) ( The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ) The instrument constitutes payment and CARVANA has opted to deny my rights to obtain credit without requiring a downpayment. Please be on the look out for mail with full list of offenses documented throughout the transaction.
02/12/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 90806	Web
Carvana financed me a used XXXX XXXX XXXX, during the application process Carvana requested a XXXX dollar down payment. i Agreed and used a third party app called plaid that Carvana provided- This third party took my banking information and would process XXXX as an ACH on the day of delivery of the car. When the vehicle was delivered XX/XX/XXXX I signed the paperwork and was good to go. 2 weeks later I was called by XXXX XXXX she informed me that for some reason no one knows the ACH never happened, she wanted me to mail a money order overnight or Carvana with " unwind '' the loan and take back the car. i told her that was not possible due to a fraudulent occurrence with my bank account. She told me to bad and Carvana will be taking back the car- i have since called Carvana 5x to get the car picked up from my home and each time they tell me someone will call me to pick it up ... .but no one has! I'm about to make a first loan payment to a car i won't own ...
07/04/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29644	Web
On XX/XX/2021 I XXXX XXXX, I entered a consumer credit transaction online in which I was the original creditor and the seller with Carvana by providing my credit card ( license ). As I proceed online to further the transaction there is a down payment of {$37000.00}. Because there is a finance charge presented pursuant to 15 USC 1605 they can not take down payments because the finance charge is the sum of all charges. Once my credit card XXXX license ) was submitted there was a credit card transaction in progress. 18 USC 8 pursuant to 15 USC 1602 ( a ) ( I ) once the card is submitted all obligations in this credit card transactions are paid for. In pursuant to 15 USC 1611 giving false or inaccurate information or fails to provide information is a violation to my consumer rights In pursuant to 15 USC 1640 ( 2 ) ( A ) ( i ), ( 2 ) ( B ) for violating, in the case of an individual action twice the amount of any finance charge in connection with the transaction
03/18/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NM 87110	Web	Servicemember
I bought a car online through Carvana vehicle is literally across the street from me at a XXXX dealership Ive purchased insurance signed my contracts however I noticed contract was post dated and Odometer disclosure is inaccurate with actual milage of vehicle being more then signed official disclosure received and post dating of contract was never agreed upon or disclosed. Now Carvana is attempting to collect payment again of over {$52000.00} signed contract clearly indicates full payment received and no monies due. Financial liability at over {$2800.00} for policy premiums. Presented my contracts to XXXX and provided my insurance information but was unable to take possession of vehicle that interest is in and contracts signed. I will not pay Twice and if purchased goods not delivered by specified time stated in contract will be considered a breach and non performance of contract and will be exercising my consumer rights and I opted out of arbitration FYI
05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89169	Web
I purchased a used vehicle online via XXXX, XXXX. On XX/XX/XXXX, XXXX sent a copy of the credit score they used from Experian to determine financing. The score provided by XXXX was XXXX. I called XXXX the same day to ask why the score they used was lower than the score I was seeing. On XX/XX/XXXX XXXX responded by telling me they use a combination of XXXX Score XXXX and XXXX XXXX. The same day, I ordered my XXXX Score XXXX, which was XXXX, and my XXXX XXXX score, which was XXXX. I then asked both XXXX and XXXX if they could explain why the XXXX score they were using was so much lower than the scores I was seeing. Neither company gave me an answer that explained such a drastic difference. If Credit scores are provided as a guide to help consumers determine their potential financing, then someone should be held accountable for explaining how and why a lender is using a score that is drastically different from the score to which the borrower has access.
07/31/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	VA 223XX	Web
I purchased a car through Carvana and it has been an absolute nightmare and I wish I could return the car. I have provided a Limited Power of Attorney THREE TIMES. Carvana has lost the paperwork THREE TIMES. I did the first Limited Power of Attorney online through an app that they provided so that I could then get my car registration. They said it was done wrong, which was NOT MY FAULT. It was the notary THEY HIRED. Then they sent me the paperwork via XXXX and I had to have it notarized again, which caused me to have to leave work early. I got it notarized and took it to XXXX. It was received and someone signed for it. Carvana LOST THE PAPERWORK and now they expect me to get it notarized AGAIN. Meanwhile, I am unable to park in my apartment complex because I need the permanent registration to get a parking sticker. I am frustrated and want this fixed NOW. The people at Carvana are inept and they should not be in business. I want this fixed IMMEDIATELY.
10/30/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CO 80123	Web	Older American
Applied at Carvana to finance a vehicle. Process started at the end of XX/XX/2020, XX/XX/2020 documents were still pending, and several vehicles had been lost. Every time a new vehicle was added ( because the processing took too long on their end ) another credit report was pulled. During two month period that equaled about 4 credit hits from Carvana. At the start of the process credit was just shy of an 800. I met all the requirements to be financed through the company, credit score, verifiable income, proof of address. Every document that I send ( documents from my bank, documents from the government, etc ) were rejected at the end of the two months, with no reason given. The real issue was that they did not want to finance the vehicle because I am a retired XXXX year old XXXX female. Carvana is practicing discriminatory lending processes, they know what XXXX you are before the process starts because they have your drivers license.
02/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30316	Web
All NORMAL PAYMENT Processing {$200.00} XX/XX/XXXX Normal Payment {$650.00} XX/XX/XXXX Normal Payment {$200.00} XX/XX/XXXX Normal Payment {$300.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX Late Fee Waived {$5.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Payment Reversal - {$280.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX While payments will post to your account when made, it XXXX take up to XXXX hours for you to see them on XXXX. Please check back at a later date if you recently made your payment. If you have any questions about your account activity, please contact customer service at XXXX. Principal Only Payment {$18000.00} They only updated past due amount owe. My credit report is still showing late payments and that I owe them {$23000.00} and that is false information. Everytime I call they say they can not help me and they have nothing to do with credit reporting.
07/28/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NC 283XX	Web
I applied for a car online through Carvana and was approved with XXXX deposit. I submitted the paperwork they requested for proof of income ( 2 paycheck stubs ) and proof of address ( bank statement and cable bill ), then they requested more because I work for myself. They requested that I send in 3 months of BUSINESS bank statements. This loan through them was under my personal social security number and was to be a personal call not a business car. I called them and told them that I did not feel comfortable sending in bank statements from my business nor would our board allow that to happen, so instead I was asked to send in my W2 which I did. The next day I got a email saying they are still requesting 3 months of business bank statements. At this point I have asked for my application to be removed from the system. It 's not okay to ask for someone to send in business banking statements that have nothing to do with the loan at hand
08/18/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NY 12553	Web
XX/XX/2020 I completed a trade in with Carvana and was given a non-resident XXXX temp tag and registration and I reside in XXXX. Upon receipt I realized the temp plates were already 3 days old. My problem stems from the fact that Carvana failed to disclose that the transfer of plates and registration would take 6-8 weeks, which would be a deal breaker to me due to the fact I would be illegally driving this vehicle for a possible 25-30 days. When speaking to a Carvana Rep she stated the companies position was, sorry but there's nothing we can do for you. I suggested a rental, and was rebuffed. Full disclosure could have prevented this oncoming catastrophe, with no relief in site. Have no alternative but to knowingly break the law with expired tags and pray if caught the legal consequences are not too severe. Worst of all is their position on the matter, totally uncaring and remorseless, for this abominable business practice.
01/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX and XXXX credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s ) obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX credit bureau : Carvan, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. XXXX XXXX, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 61821	Web
XXXX refuses to remove the fraudulent information they have listed on my credit report due to their predatory lending practices. They need to remove this fraudulent account off my credit report. Inaccurate reporting is causing my family a great hardship. Using the credit bureau system to discriminate against consumers through predatory lending practices that have been outlawed by many Attorney Generals in the United States. Please look into this companys reporting practices!!!!! The transmission went out as soon as I purchased the car and the company would not help me replace it and instead of allowing me to fix the transmission they fraudulently repossessed it. It was not past due I needed to fix the transmission and as soon as they found out the transmission went out they decided I needed to make all the payments and avoided the arrangements I made to make the repairs affordable. Please investigate this company.
08/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20814	Web
I purchased a car from Carvana.com and it was financed by XXXX XXXX -- now XXXX. Carvana never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my XXXX payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of XXXX on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX removed this after a dispute was initiated. But Carvana still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. Such XXXX and am out thousands of dollars because they refuse to accept my money.
12/31/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28269	Web
I purchased the vehicle XX/XX/2021. When I received my vehicle the description on the website did not match the car I received. The seat numbers were wrong and then I was told nothing could be done about it because the cars that matched that description were above my pricepoint. I contacted Carvana numerous times while on the phone with multiple representatives for hours on end. I had to keep telling my story over and over again. I found out when I got the vehicle there was an active warranty on it that was never disclosed on Carvanas website. I had to keep calling Carvana in order to express my disappointment in the service I received when I heard such great review about the company. After researching I found that Carvana was involved in a lot of similar issues I was experiencing. I am still dealing with emotional trauma of this experience which has affected my trust with companies such as yourself.
06/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX XXXXX	Web
**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to XXXX because they are who I have credit monitoring through and to XXXX XXXX. I was told by XXXX that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both XXXX and XXXX XXXX but have gotten nowhere. Carvana pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted XXXX and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MA 01104	Web
I signed up for a loan on a car with carvana with no down payment. I received the car and when reviewing the information it showed I had to pay a down payment. I called the carvana and said I could not pay the down payment and they said they would have to pick up the car since they needed a down payment. About three months went by and no one picked it up, and when they finally did I was told it was a repossession. I called XXXX the loan company which they were more than happy to help, but they are unable to since it was carvana who put it in as a repossession. I called carvana and they said that since it was out side if the seven day period they could not do that. I never agreed with the terms or loan agreement, and they refuse to change it from a reposession to a backoff at least. The loan terms were not accepted and not finalize due to not providing the down payment.
09/27/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 33612	Web
On XX/XX/XXXX carvana received a transfer Cash Down Payment {$26000.00} Total Down Payment {$26000.00} Balance Due {$0.00} TOTAL BALANCE DUE {$0.00} for a XXXX XXXX XXXX XXXX XXXX # XXXX DocuSign Envelope ID : XXXX I provided bank statements to verify account, and also the transfer, Carvana has choosen to keep my currency they received and the vehicle they have no evidence of a refund initiated, as account is restricted to mostly transfers, and investments, I also had micro deposits I did not authorize remove from my account, I choose to keep my account information by private as possible providing statements, Carvana claims they need more information, I have provided all the necessary information I plan to provide for this transaction and is by Law verified, this theft/scam is in fill violation of my rights and because of amounts hardly ever receive a refund.
04/28/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NJ XXXXX	Web	Servicemember
I started the process of purchasing a vehicle through carvana. At the end of the process a hard inquiry was taken from my credit report which I expected. Before the process was completed I decided to choose another vehicle which happened to also be cheaper. Upon changing the vehicle selection carvana initiated another credit inquiry process crashing my XXXX score XXXX points more than doubling my interest rate to over 20 % and then requiring over {$1000.00} additional to my already {$8000.00} down payment. After trying to resolve the issue it took two weeks of calling everyday being told the initial rate would be honored before I reached an actual underwriter. Carvana then refused to honor my hard credit pull stating that by selecting a new vehicle the process requires another credit inquiry regardless of how much time has passed since the initial inquiry.
12/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 752XX	Web
I placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. Several credit providers rejected the person trying to use my identity. Only one extended credit, Carvana. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. I have contacted Carvana several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). Carvana has very poor controls and it is impacting consumers.
04/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30058	Web
In late XXXX XXXX XXXX after login in on my Carvana account I noticed that XXXX vehicle was not appearing on my dashboard as if I did not own the car, even though I have documents that shows that the vehicle was signed over to me. I was able to get in contact with a representative from the executive resolution team about the issue. It was stated by the representative that there was an error on Carvana 's end and did not know how this issue happened. Days later some how the vehicle was back registered under my name without me signing any new documents/contracts agreeing to a reinstate the contract. Is it legal to reinstated a vehicle in my name without my consent to reinstate. After facing this issue I was not planning on reinstating the vehicle in my name, however it was done so without my consent to reinstate.
02/08/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MO XXXXX	Web
Carvana presented me with a bill of exchange that I accepted for value and returned for value as a Private bankers acceptance. Carvana used my Social Security Number whitch is a violation of 12 USC 408. The promissory note is a National Bank Note according to 31 USC 5118 ( d ) ( 2 ), 31 USCA 463 and public Law 97-258 and this note is equivlant of cash for face value. I am the holder in due coarse I have made tender of payment in g ood faith the Carvana would follow good business protocol and comply with TILA. After a few hours I was informed my transaction was canceled but Carvana kept the automobile and kept the tender of payment. 15 USC 1602 ( g ) I am the Creditor. 12 USC 1431 Banks can not lend money they are the borrowers. 12 USC 1986 Action for neglect 15 USC 1684 Neglect non compliance.
02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19132	Web
I was trying to purchase a vehicle from Carvana and they specifically told me it wouldnt be hard pull to my credit and didnt go all the way through with purchase I was told it will be a soft pull to my credit and I go check my credit score after the call was ended and noticed I had a high Risk to lenders for car loans and a hard inquiry on my credit account for 24 months which I dont thank is fair because I wasnt told about this step of credit pull when we were on the phone I feel like I got pressured into buying a car without to much detail on the process I also never even finished the application for the car so I reached out to Carvana and they said I need to file a dispute I also reached out to my credit bureau and they said I need to file with Carvana to have inquiry off my statement.
04/03/2020	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 76180	Web
My upcoming XXXX XXXX auto payment of {$400.00} is due on XX/XX/XXXX. I am in a federal disaster area due to Covid-19 with some of the highest cases in the country in XXXX County. I had called around XX/XX/XXXX to ask for assistance as my last day of work was XX/XX/XXXX. My company has laid off everyone and I am currently ineligible for unemployment benefits. Meaning I have no income coming in for the time being. With other bills between XX/XX/XXXX and XXXX, I knew I wouldnt be able to pay my upcoming payment. When I called and spoke to XXXX on XX/XX/XXXX, I was told to call back closer to the due date. I called back XX/XX/XXXX and was told the most theyre offering anyone right now is 15 days. They wont even allow the deferral of a single payment and the global economy is crumbling.
08/30/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 95205	Web
I Consumer XXXX XXXX entered into a consumer credit transaction with CARVANA, LLC on XX/XX/2021. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer transaction. The finance charge does not include cash, but Carvana, LLC took cash. The Finance charge is suppose to include insurance, but Carvana, LLC made me purchase insurance separately and I am currently making monthly payments to cover any future damages to the vehicle which should have been covered. Carvana, LLC also violated the Securities of United States by altering the contract by taking security interest in proceeds and insurance policy by form of alteration. XXXX XXXX XXXX, c/o Carvana, LLC is civilly and criminally liable.
05/08/2020	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	AZ 85303	Web
Have purchased a vehicle with Carvana LLC and paid using a corporate account of mine, having gone through the online service and verified all information including payment when entered online, after it's verified and signed by me and an authorized agent from Carvana approves of all documentation and payment process. I get a copy of what's called a purchase agreement from Carvana LLC sent to myself only after everything is verified. Got verified but Carvana LLC seems to not want to release me my vehicle I purchased nor delivered it to my home. But want for me to make another payment. All my payments were paid off. After doing my own research come to find out Carvanas creaters have been charged for fraud conviction and seems to me are still commiting fraud.
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	MI 49006	Web
I bought a car from Carvana, before learning of their terrible reputation for selling faulty vehicles and failing to honor their warranties. My car broke down on the interstate last Saturday. For the last week I have been trying to get their subsidiary company to tow my car to a shop for assessment, they refuse to pay for the tow ( which is covered by the warranty ) and during this time I have been forced to pay out of pocket for transport to and from work. Until my car is operational or a replacement has been provided it doesnt make sense to me to pay for this vehicle while the company I am paying is not holding up their legally agreed upon end of the deal. This report is to protect my credit from being harmed by this maliciously derelict corporation.
03/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 33024	Web
Carvana is advertising Car insurance to me the CONSUMER which is a violation of federal law 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. ( C ) Charges or premiums for insurance, written in connection with any consumer credit transaction, shall be included in the finance charge. & asking me to provide insurance separate. Carvana is also asking for a downpayment federal law said in 12 CFR 226.4 & 15 USC 1605 ( a ) It does not include any charge of a type payable in a comparable cash transaction. ALSO 15 U.S. Code 1662 - Advertising of downpayments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit. & 15 USC 1605 ( 1 ) ( 2 ) ( 3 ) ( 4 )
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	IL 610XX	Web	Servicemember
I went to the Carvana.com website to look at possibly buying a car through them. Something happened and will not be able to purchase a car for 2 years now. I had opened an account on Carvana.com. I now want to delete my account so that in case there is a data breech my personal info will not be compromised. I tried to cancel it on line but there is no way to do this there. I then tried chat on their website where it said I could as long I have not done any financial parts of the account, which I have not done. I then spoke with a customer service rep who said I could not and gave me a portal do do it on. I tried that portal and it only allows people from California to delete their accounts. I want my account deleted and they will not do it.
05/16/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77478	Web
I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.
07/11/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94559	Web	Older American
I purchased a user car from Carvana in XXXX, 2021. I obtained financing from their lending division, XXXX. There are three problems with this transaction : 1. It took over six months to obtain the California registration and I had to pay out of pocket to redo the smog inspection because the one they submitted had expired. 2. I paid off the loan in XXXX and have not yet received the title. After several calls to XXXX they sent me a letter that the title would have to come from the State of California. I should not have to apply for new title but rather should receive the title from the lender. 3. XXXX has not yet reported the loan payoff to the credit bureaus. Today 's date is XX/XX/XXXX so it has been six weeks.
07/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75252	Web	Older American
late on XXXX XXXX I received a call from XXXX XXXX verification that smoeone is tryin to act as me and stealing my identity to try to obtain auto loan or auto purchase at XXXX and elsewhere including XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX or XXXX XXXX Bank and also this was filed against and still awaiting further investigation. They noted the fraud and I filed a police complaint and also a CFPB complaint and on one of my credit reports I see that Carvana was also inquiring and likely same attemptted fraud so I am filing this to make sure carvana will share all details of this fraud with the CFPB, any law enforcement investigators and shut this fraud down. as I never heard from Carvana at all.
03/11/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	ME 04103	Web
I paid my car loan off in full in XXXX. I held my loan with XXXX and purchased the car from Carvana. Carvana mailed my title to a previous address, and when I called to discuss this with them in XXXX, I was told that they would need to wait for the title to bounce back to them through the postal service, and then they would forward it on to my new address. In XXXX, I called to inquire because I still hadnt received my title in the mail. I was told that the previous representative was wrong, that Carvana no longer held my title and I would need to contact the North Carolina DMV. However, when I contacted the DMV, they stated that their records showed that they had returned the title to Carvana in XXXX.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	OH 43130	Web	Older American, Servicemember
I purchased a XXXX XXXX from Carvana in XXXX of XXXX with a warranty package. They are called XXXX XXXX. I had a slow air leak in the right front tire. When I went to XXXX XXXX XXXX in XXXX, XXXX, They said that they could not repair the tire because it was two years too old for the vehicle. I had to purchase 4 new tires. XXXX XXXX said the tires were not covered under the Warranty Package that I purchased with the SUV. Carvana said they inspected the tires and they were fine. I disagreed. I think that the tire inspection was faulty. They refused to even pay just a percentage of the cost for the new tires. I think they are in the wrong and should pay for the new tires that I had to purchase.
08/09/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	GA 30310	Web	Servicemember
I got a loan from Carvana. I used my XXXX card in the Plaid. The Company told me that card was not valid to use for ACH. So, I transferred my {$1000.00} to XXXXXXXX XXXX. They told me that my bank was not allowing me to get money from bank account. I am getting these ugly XXXX email from Carvana stating that the money or the down payment has not been paid via ACH routing number or account number. I gave them my debit card information and the card does not seem to be working. I can transfer the money to Carvana via direct deposit. They said that they will send me the money. I need help here. I am not interested in fighting with these people. The contract does not say a down payment.
12/30/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TN 37110	Web
On XXXX XXXX XXXX, I purchased a vehicle from XXXX XXXX Lot - Tennessee, XXXX XXXX XXXX, XXXX, TN XXXX. The vehicle was for a XXXX XXXX XXXX XXXX 4 Door. The cash price was for {$9900.00}. Accordingly, the loan was for 27.90 % APR charged on daily simple interest. However, Tennessee Law only allows 10 % interest to be charged in accordance with Tenn. Code. Ann. 47-14-103 ( 3 ). Accordingly, XXXX XXXX Lot - via the Third - Party Administrator, XXXX XXXX XXXX , XXXX overcharged me by over 17.90 % interest during the life of the contract. Therefore, I 'm subject to lending fraud and usury interest. Therefore, the Simple Interest Retail Installment Contract is fraudulent and illegal.
03/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 223XX	Web
I bought a XXXX 2015 XX/XX/XXXX from Carvana aroundXX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX 2015. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. Carvana/XXXX is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX and Caravan and it was approved. The issue here is that on my credit, XXXX shows a charge off amount for the XXXX on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.
07/30/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NJ 07050	Web
On or around XX/XX/2020 I applied with XXXX to value my XXXX for trade. I was steered toward Carvana, who was happy to accept my trade in, but neglected to process my purchase vehicle application. I applied for trade/buy. However, after I made arrangements to sell my vehicle, they decided to then qualify my for a used car purchase loan. The terms included {$6000.00} down for a {$13000.00} vehicle and an A.P.R. of 24 %. I seems that I was a victim of unfair business practices. It seems they engage in these tactics to keep certain applicants from qualifying for a vehicle. In addition to the {$1400.00} to payoff my truck loan, they now want {$6000.00} down to purchase a car.
06/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	FL 33771	Web
Hello, I bought a XXXX XXXX XXXX from Carvana. I am financing through XXXX XXXX XXXX XXXXXXXX. Carvana was giving my loan draft and even called my credit union to make sure the draft was okay. They told me everything was okay and I picked up the car on XX/XX/XXXX. Now my credit union is telling me the car is overpriced and they won't pay over the 125 % of the loan. Carvana is coming after me for the remainder of the loan which is almost XXXX. I have gone back and forth with both Carvana and XXXX XXXX XXXX XXXX said Carvana would take the XXXX because I have had the car since XX/XX/XXXX and now Carvana sent me an email where my credit union said I must pay the rest
08/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	SC 29708	Web
I completed an application for a vehicle purchase on carvanaXXXX was approved and uploaded requested documents. I also paid a {$590.00} " non '' refundable transfer fee via ACH. The transfer fee was listed as refundable up until the car 'ships '. I received a notification from Carvana that the day after the fee processed that the transaction was going to be terminated by Carvana and the termination happened within two hours of 'their ' termination period. I don't have a car and they took the {$590.00} I paid. If i cancelled the transaction and i agreed to pay then it is on me< But Since I did not cancel the transaction, the non-refundable fee seems bias.
12/17/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	AZ 85008	Web
I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX with less than 15k miles on it from Carvana. I also purchased the extended warranty through Carvana from XXXX XXXX warranty which was the only option that Carvana allowed and now less than 4K miles later, and less than a year later the convertible roof malfunctioned and Carvana will not cover nor will the warranty company. The repair costs is estimated atXXXX and that is why are they are denying although the warranty company is siting the broken top as cosmetic however that is not the case. Also, the back window is partially collapsed and I can not drive it without fear of theft or further damage.
02/06/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 77083	Web	Servicemember
Purchase the XXXX XXXX from Carvana in XX/XX/XXXX as of XX/XX/XXXX of XXXX today the vehicle that Carvana /XXXX repossessed I still have yet to receive registration for the vehicle the vehicle just have been sitting in my driveway since XXXX from the time I purchased it with no plates allowing me to drive the vehicle in XX/XX/XXXX when the vehicle was repossessed no one has been in communications with me about anything Carvana XXXX XXXX XXXX they repossess the vehicle and now making me liable for {$25000.00} for a vehicle that I never was able to drive due to their lack of properly filing paperwork and properly communicating with me the buyer
07/10/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	VA 23227	Web	Servicemember
I purchase a vehicle online from CARVANA on Sunday XXXX. They sucked the money out of my account today ( XXXX ). I was supposed to pick it up on the XXXX. I was going to upload insurance information but when I got on the app to upload insurance, any record of the sale is gone! The contract I signed, everything vanished including {$190.00} and {$41000.00} from my bank account. I texted with someone who said the sale was cancelled system error, sorry, he wrote he put in a refund request ticket for me. XXXX banking said the ACH is pending and can not be stopped. What kind of business practice is this? Who knows when or if Ill get the money back.
08/24/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NY 11743	Web	Servicemember
I have purchased a car using Carvana online. XXXX used XXXX XXXX. I received documents from loan servicer XXXX which I did not consent to. XXXX have been charging me excessive interest and fees for contract with no agreement. I became ill and was unable to work as of XX/XX/XXXX. Today my car was repossessed illegal by Carvana/XXXX in which they are demanding payment {$3000.00} before returning the vehicle. I refuse to pay this debt due to billing error dispute pursuant to 15 USC 1666a. I have the right to withold payment. The original contract stated the finance charge is the sum of all charges. Where does the additional balance arrive from?
02/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 774XX	Web
I bought a used truck from Carvana last year. Carvana uses XXXX to service the loan. I have requested multiple times by phone and by email to both XXXX and Carvana to provide paper statements each month. They flat refuse. It is my understanding that the E-Sign Act requires them to supply paper statements unless I opt-in to paperless.I do not remember doing this in anything I have signed. In any case, the E-Sign Act also allows me to opt-out of paperless as well. I need the CFPB to intervene and demand their compliance with this Federal Law on my behalf. This means that I want to receive paper statements every month.
11/26/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	WI 53222	Web
Lenders made Illegal Discriminatory Markup and refused to send a FCRA Notice stating they only took a soft credit report and don't have to send me a FRCA. As my quoted down-payment is o {$13000.00} but its was advertised at a {$2000.00}. My markup is due to discrimination and retaliation against me. I spoken with Carvana as their representative XXXX number at ( XXXX ) XXXX, she told me that I can not speak to a management because they work from home and I have to walt for XXXX days before I can have make another application. She indicated they took a soft pull that implied they don't have to follow FCRA.
06/19/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85202	Web	Servicemember
Carvana a car company advertised delivery of a car on a certain XXXX XX/XX/XXXX but did not deliver until XX/XX/XXXX XXXX i received a very threatening email regarding amount od down payment which they told me XXXX then said I owed another XXXX I paid the amount when I said I no longer wanted the car I was threatened with sending car to auction and I would be responsible for amount left over. Over the time of car note i have been called day and night and at several times after XXXX XXXX and I had to ask for my contract which showed and diffrent amount owed added on extra interest plus added to my credit score
02/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 290XX	Web	Servicemember
On XX/XX/XXXX Carvana and I entered into a legally binding contract for the consideration of a XXXX XXXX XXXX which I signed a promissory note for and registered with a UCC1 financing statement. Carvana is illegally requesting down payments from their customers, breaching their contracts and violating several Federal regulations and statues including the TILA and FCRA. I was sent a letter of denial for my credit that is rightfully mine with NO reasons for the denial. Carvana willingly and knowingly violated my rights and needs to remedy the situation by delivering my vehicle before I file suit against Carvana.
06/06/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 93065	Web
I purchased a vehicle from XXXX XXXX. The loan was through them, although through a company called XXXX. I refinanced the loan with XXXX XXXX XXXX XXXX. They did not receive the title. XXXX says that they sent the title to XXXX XXXX but that is not my bank, or the bank whos check satisfied my loan. They refuse to fix it, I have called and spoken with supervisors. I am unable to register my vehicle in a new state because I do not have a correct title, and my refinanced loan is currently unsecured as they do not have the title. They need to electronically send the title to XXXX. They refuse to do so.
06/22/2020	No	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92028	Web	Servicemember
On XX/XX/2020, Carvana pulled my personal credit report without my permission. This " hard inquiry '' caused my credit score to drop 18 points. I called Carvana and asked them to remove the inquiry and they refused, even though they agree the credit inquiry was done in error. They stated I need to contact XXXX to dispute the inquiry and they would support the dispute. When I contacted XXXX, they stated Carvana needs to contact them directly to remove the inquiry, that I can not dispute an inquiry. Both companies are pointing at each other, in the mean time, my credit has been significantly impacted.
03/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 282XX	Web
Carvana is using consumers desperation to force them into paying high down payments. Any down payment is a violation of the truth in lending act 15 USC 1605a & 15 USC 1662. Pursuant to 15 USC 1602 of the truth in lending act, a consumer can regularly extend credit, since I refuse to violate consumer law my extension of credit is being denied which is a violation of the Equal Credit Opportunity Act 15 USC 1691. Violations of truth in lending carry both civil penalties and criminal charges, I have every intention of filing similar complaints with the state and the federal attorney generals office.
05/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC XXXXX	Web	Servicemember
Failure to pr ovide the following : 1 ). Full disclosure of my right to rescind. 2 ). Transparency regarding the process of the consumer credit ap plication being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Carvana, LLC willingly and knowingly took advantage of me and my consumer credit. I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1500.00} was needed to have the vehicle delivered. Pursuant to 15 USC 1605, a finance charge is sum of all charges.
05/09/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	WI 53186	Web
We purchased a car with Carvana on XX/XX/XXXX. We had outside financing and decided to increase the downpayment to them. Because of that, we just paid the downpayment to our lender and the lender cut Carvana a check for the full purchase price of the vehicle. Carvana still took the original downpayment amount out of our account using the ACH form. Carvana received the full purchase price plus the amount of our original downpayment. We have followed up with Carvana three times since then and they keep saying that we're in line to get reimbursed. We have not yet received the reimbursement.
04/15/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MD 21060	Web	Servicemember
My old car title information, including my and my wife 's personal identifying information was sent to Carvana three times. The form that was provided is the Gift Certification ( form # XXXX ). The first form was provided when old trade-in vehicle was used to pay for the loan. The second time, the Gift Certification ( form # XXXX ) form was sent via XXXX. The tracking number indicated delivered, however Carvana states that it was " lost in the mail ''. I am now instructed to mail a third Gift Certification ( form # XXXX ). I am worried that my information is potentially compromised.
02/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NJ 08330	Web
Recently, I, XXXX XXXX, was denied an extension of credit by Carvana. On XX/XX/2022, I requested an extension of credit. As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and 15 U.S Code 1691 ( E ). Carvana has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002.2 4. 15 U.S Code 1691 ( C ) 5. 15 U.S Code 1691 ( E ) Civil Liability Pursuant 1. 15 U.S. Code 1681n 2. 15 U.S. Code 1681o
08/26/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30228	Web
Applied to CARVANA to further extend my credit to purchase a used XXXX XXXX XXXX XXXX XX/XX/XXXX they are requesting a down payment of {$10000.00}, pursuant to 15 U.S. Code 1662 the down payment the company is requesting is not required unless the creditor agrees to that amount, which I disagree with putting down any amount. CARVANA is civilly, and Criminally Liable for willingly issuing violations/ Failing to disclose accurate information operating under TILA. The Finance charge is the sum of all charges, it does not include a type of payable cash transaction.
10/25/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92532	Web
Bought a vehicle from Carvana the experience in general was pretty incredible great service easy to use, reliable etc. My issue since I have had this vehicle I have had the brakes done 3 times tires completely changed 3 times rotors completely replaced I have replaced the batteries twice and the vehicle often doesnt start using the key or push to start features resulting in massive inconveniences and hours of stress Tried to give them their vehicle back multiple times they would not take switched lenders specifically because of it but basically a $ XXXX lemon
10/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	SC XXXXX	Web
I have a valid contract for a purchase of a XXXX XXXX XXXX XXXX. I was approved for the purchase of this vehicle and they never delivered it to my home. The problem is they have violated 158 USC 15 1605, 1638 ( 2 ) ( A ), and 15 USC 1662. They claim to follow all State and Federal laws but did not explain to me in detail my rights under the Truth In Lending clauses. Not for my XXXX XXXX XXXX nor the purchase of the XXXX XXXX now XXXX XXXX. These statues speaks on false advertising, the all fee 's are supposed to be included in the finance charge, etc.
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 331XX	Web
I was reviewing my credit and discovered unauthorized hard inquiries that I have no knowledge of from the following companies XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023
06/24/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	OH 452XX	Web
I tried to extend my credit and conduct a consumer credit transaction and finance a vehicle through Carvana.com and their requiring a down payment separate from the finance charge which is supposed to be included in the finance charge which is the sum of all payments pursuant to 15 usc1605. I contacted someone to try and resolve this issue but no one seemed to hold authority to resolve this matter. They willingly and knowingly misleading me through false representation which is in direct violation pursuant to 15 usc 1611 & see 15 usc 1692e.
04/01/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX XXXXX	Web
Hi, I feel I was discriminated against by the Manager ( XXXX ) and the underwriter because of the color of my skin. I provide more than enought to provide my income. Then on the last day, the Manager contacts me to ask if i file XXXX or XXXX, I replied probably both, well that was not good enough for her, so she give me about a hour to produce documents to determine how I file. She never tells me which year of documents or nothing. Everytime i showed proof of income, they would come up with w new obstacle. Total Discrimination.
09/21/2018	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75149	Web
I Received my credit report showing a inquiry from CARVANA from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score.I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
04/17/2020	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	CA XXXXX	Web
While exploring a loan process with Carvana after being burned by another outfit I asked to outline the process for a lemon vehicle and how the consumer is relieved of the financial process when the car is deemed unfit for the road. The only thing she repeatedly stated was to purchase GAP insurance. How is GAP insurance a good thing for consumers being held in liabilities they can not substantiate and why am I being sold this as a result of buying a bad car? The agent refused to quote the contract agreement with me.
12/02/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 291XX	Web
On XX/XX/2020 I, XXXX XXXX XXXX, entered a consumer credit transaction in which I was the creditor and the seller with Carvana. Because there was a finance charge involved pursuant to 15 usc 1605 they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a cash down payment which means they are liable to me in the amount of double the finance charge. They also failed to give me any material disclosure disclosing that I have a right of rescission.
06/18/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 91206	Web
I purchased a car on XX/XX/2019. I was given a copy of an XXXX Credit rating that was XXXX. I immediately contacted XXXX to inquire and was given a much higher score by them. I contacted Carvana on XX/XX/2109 to inquire and was told there was nothing that could be done. They said if I was not satisfied I could refinance through another lender. I believe I was intentionally told I had a lower credit score to give a loan at a high interest rate. The form sent to me by Carvana with an XXXX header seems suspect to me.
06/06/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 34601	Web	Servicemember
I brought a car online with carvana on XX/XX/2023 with a down-payment of XXXX dollars, carvana took out XXXX dollars out my account, they said they would return my XXXX after the 7 day money back guarantee, and 10 to 15 days in a check that will be sent to me.Thias will cause my checking account to over drawn, i have bills to now, i can not wait that long for money to come in a check, they need ach my XXXX dollars today, if carvana cause my account to be over-drawn they will be responsible for the fees.
10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	XXXXX	Web
XXXX, XXXX XXXX, and XXXX have not bother to investigate thoroughly! If they did, they will know that this happened without my consent, in a totally different state that Ive never visited, by people that I do not even know! The police dont want me to keep coming in to file police reports, because Ive already filed one, and they said identity theft happens very often. Please assist me with regulating XXXX, XXXX XXXX, and XXXX, to correct these issues,. Because these accounts do not belong to me!
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	WI 53208	Web
The first week of XXXX, XXXX I did a pre qualification application through Carvana to finance a vehicle which stated that a pre qualification is not a hard pull to my credit. However, a car dealership In Illinois obtained my information and did a hard pull on my credit. The company that illegally ran my credit name is XXXX XXXX in XXXX Illinois. I did not authorize or give permission to Carvana and or XXXX XXXX to run a credit check on me. Please remove this hard inquiry from my report. Thank you.
04/13/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29229	Web
I bought a XXXX XXXX XXXX XXXX through Carvana in XX/XX/XXXX. I called them in XX/XX/XXXX to report that the vehicle had no airbag. They did nothing until I reached the 12 month threshold in XX/XX/XXXX and they refused to address issue saying I had the vehicle over a year. I told Carvana that the VIN number in the dash of the car did not match the model car they sold me. My car is a XXXX model but the VIN matches a XXXX model. They did not respond. I don't know if they sold me a stolen car or not.
10/07/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 32608	Web	Servicemember
I used Carvanas auto loan calculator which said I would receive a rate of 10 % for a car loan. Once I went through the process and submitted documents the rate went up to 18.69 %. Nearly double that of the advertised rate I was given. I purchased a vehicle through them previously and had to refinance because they had done the same thing then. I offered to put nearly 25 % of the price of the vehicle as down payment and they only wanted to lower the rate to 17 %! This is shameful and needs to stop.
10/28/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 79424	Web
I have spoken with Carvana about several inquiries that have shown up on my credit report and they have failed to contact me back with this issue. Its been an ongoing issue for about several months. I had one manager tell me the inquiries will be deleted but still nothing. Inquiry - XX/XX/2018 - Carvana Inquiry - XX/XX/18 - Carvana Carvana has never been given permission to run my credit. I purchased a vehicle from them but not during these dates. Vehicle purchase was the beginning of 2018.
05/13/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 201XX	Web
I purchased my car on XX/XX/XXXX with cash from Carvana. I received my registration for the car XX/XX/XXXX. I have not received my title and today is XX/XX/XXXX. I have contacted the company multiple times between XXXX and now to let them know I urgently need my title because I am now planning to move out of state but they have still not provided me with my car title. This is now affecting my ability to register my car in my new state, affects my residency status, as well as my taxes.
11/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 80229	Web
Been fixing my credit, had a computer problem ended up with a virus, everything got compromised and crashed in late XXXX and mid XXXX. I applied for 1 credit card and it got approved. since then waiting on some stuff to get taken off credit report i noticed some hard inquiries that i didn't make. XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 I need these removed!
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19152	Web	Servicemember
To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from Carvana LLC has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. Sincerely, XXXX XXXX
09/01/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	DC 20020	Web
I am a federally protected consumer and I have requested validation of the debt owed to Carvana for my XXXX XXXX XXXX XXXX. I sent the letter on XX/XX/XXXX and it was received and signed for but I have not received a response. Additionally, upon receiving the vehicle I noticed an error in my name on the registration and was told by Carvana staff that there is no way for them to fix this error. This is liable to cause harm to me and my family if pulled over, which is unacceptable.
09/26/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92882	Web	Servicemember
ON XXXX/12019 Caravans Post Operations Department attempted to perform unlawful practices by deducting my down payment prior to delivering the XXXX XXXX XXXX XXXX by claiming they did not receive the down payment. XXXX XXXX informed me I was current on XX/XX//2019 and to continue to deal with them and disregard the threats because my down payment was paid and I was current on payments. XXXX from Post Operations Department was the contact at XXXX customeradvocate @ carvana
01/14/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MA 01843	Web
XXXX I purchased a vehicle from CARVANA which this XXXX claims to have a easy and next day delivery process XXXX weeks is very unacceptable for a vehicle to be delivered first problem was the vehicles couldnt be registered in Massachusetts because they didnt renew their regulations for the state, which is absurd because this is a car delivery service unacceptable. This process has also costed me financial stress due to constantly rescheduling this vehicle delivery
01/30/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77095	Web
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted to Carvana with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. A formal dispute of this inquiry was submitted to Carvana XX/XX/XXXX however as of this date, Carvana has failed to reply to the status of this dispute. This is a violation of the FCRA and my clients federal consumer rights.
06/20/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30005	Web
I Consumer XXXX XXXX entered into a consumer credit transaction with Carvana, one on XX/XX/2021 and one on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Carvana took cash. The finance charge is supposed to include insurance, but Carvana made me purchase insurance separately.
01/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NJ 08816	Web
Carvana had approved me for financing and everything was approved and my vehicle would be delivered and then they turned around and informed me my approval was a mistake. They were deceptive and misleading. I applied again and even though I am approved for financing, they will not honor the financed. Also, they have discriminated against me because I put in a complaint against them and still preventing me to get financed even though I qualify.
09/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CT 065XX	Web
I found that your lending practices are discriminatory against XXXX XXXX XXXX. I attempted to get a loan through Carvana and got approved for XXXX down. After uploading the appropriate documents ( submitted my 3 month income statements, my drivers license, and preparing to get insurance on the vehicle ) I was told that my income could not be accepted. Your current policy as it stands unfairly discriminates against me and other XXXX XXXX XXXX
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28269	Web
I purchased a vehicle from Carvanva. On the third day of having the vehicle an message saying the Alternator and battery was dying. Carvana warrantys company XXXX XXXX set up XXXXXXXX XXXXg to transport the vehicle to a service garage for 1 hour towing and lost the vehicle. The vehicle was not recovered. I requested to swap the vehicle out for another vehicle and I did not ever receive the second vehicle. I am showing {$47000.00} in loans.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35215	Web
I've been trying to get hard inquires off my credit report throughout this whole year and the credit bureaus haven't been any help on the phone, mail, and online. From my knowledge my credit report have been frozen/locked since the beginning of the year, and company 's are still accessing my credit. The hard inquires are XXXX XXXX XXXX CARVANA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web
I have a hard inquiry on my credit report from CARVANA auto finance. That account is paid in full and suppose to be closed. In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
10/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	AZ 856XX	Web
I told the Sales associate at XXXX to cancel the order since they denied me for approval even after a confusing advertise of being accepted, a delivery date and making me pay for insurance in order to get approved. I lost XXXX dollars that I can't get back for 5-7 days, that money shouldn't be that long of a wait, they had no issues cancelling the car transaction, it should be the same for payment. Horrible scammy service.
03/16/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	PA 153XX	Web
After I tried trading my vehicle after 2 faulty cars that should not of been allowed on the road I was done with caravan.. its been over a week and they have yet to pay off my XXXX XXXX car loan.. I have called every day and they keep giving me the run around. They have not even sent a check k out. I sold my XXXX XXXX XXXX to carvana and they have not paid my car loan off. They won't do anything but give me a run around
09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60624	Web
Carvana illegally ran my credit without my permission put a hard inquiry on my credit report on XXXX I did not sign or agree to this Hard inquiryI would like Carvana to remove this inquiry from my credit report as soon as possible and adjust my credit score accordinglyI sent a letter to Carvana on XX/XX/XXXX and I have not gotten a response.It has been over 30 days and I would like them to remove it as soon as possible
02/08/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60563	Web
I have an unauthorized inquiry from XXXX XXXX XXXX/CARVANA To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I have tried to contact every one of the companies listed and most of them do not even have any record of me.
10/30/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MA 024XX	Web	Servicemember
Carvana knowingly sold me a car with the following problems : - Oil cap loose and leaking oil ; - Oil filter loose ; - Damaged brake pads ; - No windshield washer fluid reservoir cap ; - Two bald, dangerous, unfit for the road back tires ; and - Four inoperable TPMS sensors. The check TPMS system light remains on. I have been to the repair sho p three times. Carvana refuses to reimburse me for all of the costs.
11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 32256	Web
I have tried to apply for an account with carvana ; when the identity verification came up, none of the questions apply to me and I have my XXXX credit report to prove it. However, when I called to speak with customer service, they refused to help me. The information contained in my XXXX credit report is incorrect and is preventing me from pulling a new credit report with XXXX, Carvana, nor was I able to use XXXX
09/27/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA XXXXX	Web	Servicemember
On XX/XX/2023 Carvana promised a used car loan if I put down {$4500.00} dollars and the USC 15 Section 1662 ( b ) protects consumers from predatory lenders who use advertising to get people in debt. The consumer law states if you see an advertisement that promises credit in exchange for a down payment or that guarantees a certain amount of money after the application, it may run afoul of the Truth in Lending Act.
08/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 300XX	Web
Carvana failed to provide full disclosure of contract. Please see below attachments in regards to this matter. I have sent these documents notarized and priority mail on XX/XX/XXXX and I have to date received my confirmation. Tracking XXXX My efforts to resolve this matter has been sent via mail to the XXXX headquarters of purchase and corporate headquarters. Both, were tracked deliverable on XX/XX/XXXX.
11/20/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	KS 66801	Web
Bought used car on XX/XX/2022, had it delivered to my address in XXXX, XXXX. Carvana registered my new vehicle in the wrong state ( XXXX ) and isn't helping to get it registered correctly in XXXX. I can not drive the car until they fix this problem and get it registered correctly in XXXX. I've reached out to them multiple times since the purchase and they still havent even started to fix the problem.
08/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	SC 291XX	Web
On XX/XX/21 I started the paperwork of getting a loan for a XXXX XXXX. Because of proof of insurance and the down payment amount of XXXX I was denied the access to complete the application. Along with no being able the read my uploaded driving id. After I asked about operating under truth in lending he still told be I needed that cash transaction on a consumer credit transaction which is false.
10/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32720	Web
purchased a vehicle through carvana.com website and sales contract stated a specific amount of interest and interest rate and there was no paperwork from the actual lender included and the interest rate appears to be significantly higher then what was on the signed contract. Originally the loan was with XXXX which is who payments were being made to and then was sold to a company called XXXX
11/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA XXXXX	Web
On XX/XX/XXXX my car was to be delivered by Carvana. I received an email stating the deadline timed out. This is the second time within a two week period Carvan has misled me. Carvana has violated as well as wasted time energy and my Money. I also purchased insurance for one vehicle and did not get the vehicle. Violations by Carvana 15 U.S. Code 1692e - False or misleading representations.
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23703	Web
The following accounts were not authorized to access or report any of my credit information and should as such be removed immediately. The initial FTC report is attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/23/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20774	Web
Please see attached CARVANA GROUP , LLC RESPONSE to my initial complaint # XXXX Also, see attached my NOTICE OF CLAIM TO INTEREST. I will no longer allow XXXX XXXX the Chief Financial Officer and his compadres to mishandle my securities. I also emailed XXXX, as requested in the contract for an initial claim to settle with arbitration and got NO REPONSE, so here I am-AGAIN!
09/08/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MO 63121	Web
Carvana has denied extension of my credit which is a violation of XXXX of Consumer Law. They are refusing my credit transaction as a Finance Charge state that it's the sum of all Charges. XXXX, which is the supervisor, stated I was approved for the vehicle & now partially approved if I pay them {$17000.00} which is a seperate transaction for the same transaction. 15 USC 1605
09/01/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TX 77396	Web
I purchased a car from Carvana and gave yet to receive my car as promised on XX/XX/XXXX. Included in the attachment is an account of what happened. My delivery of my XXXX XXXX XXXX XXXX has continuously been pushed back and effected me a great deal. At this point apologies and excuses arent helping. Give me my car. Now I have loan payments coming up for a car I dont have.
12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20018	Web
I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. This is the list of them. CARVANA LLC XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
04/17/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	SC 29229	Web
I have new and updated information for the complaint # XXXX with XXXX. I received communication from XXXX on XX/XX/2021 threatening me with legal action if I do not give them my property. I have a cease and desist on XXXX dated XXXX. XXXX has violated my consumer rights under the FDCPA. I have attached a copy of the communication that was sent by XXXX.
11/22/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	OH 43227	Web
I was sold a Car by caravan my loan was through XXXX and it went out in the first 7 days but I went over XXXX miles traviling home with car XXXX was cost to repair. I was told there was a warrant it wasnt they wouldnt let me pay on the loan.the car was repoed and sold for XXXX I was charged XXXX for car and now I owe XXXX for a car I had 3 days.
03/01/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	IN 46619	Web
Pre Approved for an auto loan via XXXX XXXX for Carvana. Per XXXX XXXX my APR would be 8-9 %. However, Carvana advised my credit score was XXXX and financing would be a be slightly over 11 %. I reached out to them and said that seemed high for my score as well as shared XXXX XXXX rate that was given and was told there was nothing they could do.
12/10/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89108	Web
I receive a copy of my credit report and I notice a hard inquiry that is fraudulent, please remove this fraudulent hard inquiry from my credit report. I have a fraud alert in my credit report, I have been a victim of identity theft in the past. I never applied for credit with Carvana, please remove your hard inquiry from my credit report.
07/19/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	PA 19139	Web
n accordance With the fair credit reporting Act XXXX account # XXXX account name bridgecrest Has violated my rights. 15 U.S.C. 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
07/05/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MN 553XX	Web	Servicemember
I was essentially charged an extra payment and late fees with Carvana after they didn't automatically withdraw my vehicle payment out of my checking account. This has negatively impacted my life. I phoned Carvana giving them my new checking information and the rep assured me the payments were set up for automatic withdraw. Thank you.
07/23/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 75075	Web
I traded in a car and paid cash to purchase another car from Carvana on XX/XX/2019. The trade in has an outstanding loan. Carvana has not paid off the loan. I have utilized Carvana 's online chat and called multiple times. I am continuing to be charged interest on a loan for a car I do not own, and continue to make payments.
07/29/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web
Please review all attached documentation. Carvana never responded to my validation request, and they have violated me as a federally protected consumer. They never notified me of my right to dispute pursuant to 15 USC 1692g, and they never disclosed that this was an attempt to collect a debt pursuant to 15 USC 1692.e ( 11 )
10/25/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	IL 60544	Web	Servicemember
I purchased a vehicle from Carvana kept getting back-and-forth different information from different sales representatives about the purchase of the vehicle in the process of all of that they sent me the title to the vehicle now they want me to return it they are in multiple violations of UCC code also violated my rights
10/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	SC XXXXX	Web
I am purchase a car from Caravan. Per 15 USC 1604 15 USC 1638 ( 2 ) ( A ) 15 USC 1662 The Downpayment is suppose to be included in the financed charge. The delivery fee is the same. They are violating these statues deem by the US Congress and your department. I have attached the said contract.
06/13/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30906	Web
I have been actively looking for vehicles on Carvana since XX/XX/2022 with the intentions on financing utilizing my consumer 's rights via consumer credit transactions. However, each and every option that Carvana has available requires a down payment ( violations of 15 USC 1601 and 15 USC 1662 ).
11/12/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 30269	Web
My recent experience, it appears that there have been a willful and knowing violation of 15 USC 1611, which prohibits the willful provision of false or inaccurate information or failure to disclose information required under the provision of this subchapter or any regulation issued thereunder.
04/21/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	ME 040XX	Web
Carvana lied about my contract terms, the XXXX registration and problems they didnt report with the car. Also my extended warranty didnt cover any issues the mechanical deem preexisting. I cant get any help wit from them and I cant even get a copy of my contract to have a lawyer go over it
07/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31210	Web
usc section 1681 along with section 609 of the fcra state that there must be signed authorization for any inquiries made from creditors there are several on my profile that ive never authorized and am not even aware of this is illegal practice and my next step is to persue legal action
12/04/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 95823	Web
XXXX refused to provide a paper form of invoice/bill after numerous request by phone requesting this method of debt invoice. Was never given any notice before repossessing my car nor was I provided any information on my options ways to catch up or settle my delinquent balance.
10/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 61201	Web
Had contract in place to buy vehicle. Carvana changed terms after processing payment for shipment. I canceled contract, Caravana is attempting to take {$1100.00} out of savings account, which they will return but not until XXXX business days later. I can not afford XXXX days.
04/06/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	VA 23454	Web
I was told that I was unable to get a loan through Carvana because of my job, not because of my income but because I am an XXXX XXXX. I had gotten a car loan from them a year previously and I was approved and now they say they dont give car loans to ride share drivers.
02/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 77373	Web
I purchased a car from Carvana and they state that all maintenance was done on the car before purchase. After 2 weeks of having the car the change oil light came on. When I contacted them they said too bad, this is routine maintenance. I had to pay for it myself.
04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 54601	Web
Carvana XX/XX/2021 This is a hard inquiry and I already have one from another time I had already had my credit ran and signed the contract in XX/XX/2021 anything after that is wrong and shouldnt be shown on my hard inquiries because I had already had my car
09/29/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	CT 064XX	Web
Purchased a car through carvana which included registration. My temporary tags are set to expire in less than a week and I can't get no information from them. I have tried messaging them for the past several days, only getting " no updates '' due to covid.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92835	Web
I am getting multiple HARD INQUIRIES on my XXXX app. 1. XXXX 1 XXXX XXXX 2. Carvana XXXX. XXXX XXXX XXXX 4 XXXX XXXX XXXX I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.
05/24/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	PA 190XX	Web
More than one month after purchasing a car from Carvana, the company withdrew the deposit of {$3900.00} a second time from my bank account with little warning. After reaching customer service they agreed to return the deposit, but only after 3 weeks.
07/23/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Problem adding money	WI 53150	Web
On XX/XX/XXXX I sold my car to Carvana. I had used an account that was closed for my payment from them. The bank confirmed that the payment was rejected and Carvana now still hasnt paid me in 3 weeks even though they have my car and I have no money.
11/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	VA 23669	Web
During the XXXX of XXXX I was locked in on XXXX down with contract cavana racially profiled me discriminated canceled my order and my terms went to XXXX down after my vehicle was suppose to be delivered on the XXXX o loss XXXX dollars to insurance
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75252	Web	Older American
Carvana without my knowledge or consent falsely accessed my XXXX credit report info on XX/XX/23 and this is fraud. I never had any contact or did anything to inquire or apply for anything with carvana or car loan or purchase. this is fraud
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17011	Web
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, CARVANA add a hard inquiry on my credit report per XXXX.
06/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33881	Web
Carvana charge me for a new plates and registration however it was a transfer now they bill that to the loan and I'm paying interest on it and they haven't issue my refund I have call multiple times and give me different story
09/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 174XX	Web	Servicemember
CARVANA is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
08/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 601XX	Web
I have been trying to contact this company every since the inquiry reported on my credit report to no avail have i been able to contact company though number or address showing on my credit report
06/07/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30310	Web
I never authorized this company to do a hard pull on my credit. I was told there would be a soft pull on my credit by a third party but I never spoke to a representative of this company myself.
06/26/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TN 38111	Web	Older American
Carvana submitted {$190.00} on XX/XX/2023. I did not purchase a car from them or authorize any amount to be taken from my account. I did not provide them with a debit card information.
09/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20774	Web
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and demands.
06/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30338	Web
That XXXX needs to be deleted immediately and showing paid in full not a charge off this company wouldnt provide a 1099c form or honor my gap coverage stealing money numerous times
09/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60426	Web
I did a consumer credit application XX/XX/XXXX for a XXXX XXXX XXXX on XXXX website. Please forward me a copy of my application along with an audit trail of this transaction.
09/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 28269	Web
Carvana is advertising high down payment with vehicle financing. According to the law 15usc1662 there are to be no advertisements of down payment which a credit transaction.
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 770XX	Web	Servicemember
I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021
01/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NV 89052	Web
I sent a letter to XXXX XXXX demanding my {$1000.00} down payment back on XX/XX/2022. I sent this letter certified with USPS tracking numbers XXXX and XXXX.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91786	Web
I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84003	Web
My credit score shows at XXXX when in XXXX is XXXX, XXXX XXXX and XXXX XXXX. I don't know why it shows that is that low. What can we do to get it fixed?
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 151XX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 152XX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation.
10/12/2019	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 20850	Web	Servicemember
I purchased a car from Carvana in XX/XX/2019. Carvana guaranteed that it would register and inspect the vehicle. It failed to do both.
04/25/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	CO 810XX	Web
Carvana will not send my license plates or registration. Carvana collected fees from me but no plates. Purchase Date XX/XX/2020
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 932XX	Web
On XX/XX/2023 Carvana XXXX appeared on my XXXX Credit Report. I did not authorize or initiate any credit inquiry with them.
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91343	Web
Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit report
12/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NM 87108	Web	Servicemember
Carvana took money twice out of my bank for a car loan in error. I was overdrawn because of it and charged fees.
05/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30122	Web
Carvana obtained a copy of my credit report without my permission on XX/XX/2017. I did not authorize this.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 773XX	Web
These companies have inquiries on my report that I did not authorize. This is fraud. I want them removed.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33150	Web
I have a hard inquiry from a company I dont even have an account for and I dont remember applying for.
06/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 777XX	Web
These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.
08/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92345	Web
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33313	Web
Someone tried to apply for credit with my social security number without my consent.
11/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48203	Web
Company put car loan on my credit report after they sold it to a creditor for XXXX
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10453	Web
I see inquiries on my report that shouldnt be there & thats effecting a lot on me
08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22193	Web
I have sent certified letters to this company and havent gotten a response.
10/05/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	VA 23060	Web
On XX/XX/2021 my Consumer Rights have been violated.
01/27/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NV 89178	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60516	Web

01/26/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TN 37148	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	GA 30809	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX XXXXX	Web

01/22/2024	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WI 53562	Web

01/20/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CA 92243	Web	Servicemember

01/17/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CT 066XX	Web	Older American

01/16/2024	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	AL XXXXX	Web

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20018	Web

01/12/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NC 28379	Web	Older American, Servicemember

01/12/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MI 480XX	Web

01/06/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	KS 674XX	Web	Older American, Servicemember

01/06/2024	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	WA 98277	Web

01/02/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX 77802	Web

12/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	GA 30809	Web

12/30/2023	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 90026	Web

12/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MI 480XX	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23220	Web

12/19/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91770	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20018	Web

12/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	GA 30281	Web

12/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	GA 30349	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 11249	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 49010	Web

12/11/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 30318	Web

12/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48213	Phone

11/22/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	TX 75034	Web

11/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	AL 35208	Web

11/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KY 40165	Web

10/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	PA 15235	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48116	Web

10/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NC 28379	Web	Older American

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63118	Web	Servicemember

09/04/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	NC 27104	Web

08/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75252	Web	Older American

08/11/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33161	Web

08/09/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	NY 10038	Web

08/08/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	NY 10038	Web

08/05/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	NY 10038	Web

07/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 90048	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 79707	Web

06/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MD 21206	Web

06/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MI 48081	Web	Servicemember

06/22/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AZ 85018	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43612	Web

05/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30005	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30286	Web

05/12/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30005	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10456	Web

05/02/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29486	Web

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10306	Web

04/19/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	CA 92103	Web	Servicemember

04/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29486	Web

04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30132	Web

03/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 39827	Web

03/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AR 72205	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11364	Web

02/25/2023	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or missing disclosures	PA 17104	Web

02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 14616	Web

01/30/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MO 63031	Web

01/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30318	Web

01/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32224	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30340	Web

01/15/2023	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77084	Web

01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web

01/05/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32605	Web

12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90038	Web

12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30349	Web

12/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	PA 19135	Web

12/20/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 75605	Web

12/17/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	DC 20002	Web

12/13/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web

12/08/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30297	Web

12/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN 37115	Web

11/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MI 48213	Phone

11/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	UT 84103	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08005	Web

11/19/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	CA 90301	Web

11/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29407	Web

11/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	VA 22902	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93291	Web

10/27/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MI 48213	Web

10/26/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	MI 48066	Web	Servicemember

10/22/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	DC 20002	Web

10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92345	Web

10/21/2022	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	CA 94568	Web

10/19/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33437	Web

10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NY 11222	Web

10/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 06095	Web	Servicemember

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11550	Web

10/11/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NY 10460	Web

10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34952	Web

09/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 91950	Web

09/29/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 45344	Referral

09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19036	Web

09/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 28262	Web

09/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34744	Web

09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NY 10472	Web

09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MN 55104	Web

09/09/2022	No	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 92411	Web

09/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 91505	Web	Servicemember

09/08/2022	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	AK 99506	Web	Servicemember

09/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 75050	Web

08/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	NY 11234	Web

08/18/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06082	Web

08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NJ 07018	Web

08/16/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 28786	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36111	Web

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33141	Web	Servicemember

07/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 78758	Web

07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60559	Web

07/05/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	KY 41042	Web

06/18/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	PA 19120	Web

06/08/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 33569	Web

05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

04/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 30087	Web

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37922	Web	Servicemember

04/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 40203	Web

04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11213	Web

04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DC 20011	Web

04/03/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30071	Web

03/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 77410	Web

03/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 77410	Web

03/16/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Confusing or misleading advertising	PA 19143	Web	Servicemember

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94601	Web

03/08/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 33068	Web

02/18/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 19023	Web

02/18/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MO 63031	Web

02/18/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30349	Web

02/09/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	WI 53122	Referral

02/03/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19143	Phone

02/02/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	TN 37209	Web

01/19/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CT 06082	Web

01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21402	Web

01/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 19350	Web

01/13/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MO 63031	Web

01/08/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MI 48601	Web

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web

12/13/2021	Yes	Money transfer, virtual currency, or money service Money order	Fraud or scam	NY 13760	Web

12/10/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 78760	Web	Servicemember

12/10/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 92071	Web

12/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70544	Referral

11/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48124	Web

11/24/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 90301	Web

11/20/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CT 06610	Web

11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30083	Web

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19050	Web

11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PA 19146	Web

11/02/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	OH 45039	Web

10/28/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	MD 20744	Phone	Older American

09/28/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	MO 63135	Web

09/27/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	PA 19153	Web

09/23/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	VA 22151	Web

09/22/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	IL 60302	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77410	Web

08/12/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TN 37013	Web

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11229	Web

07/15/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75154	Web

07/13/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NY 10801	Web

07/07/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 20175	Web

06/29/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IN 46038	Web	Servicemember

06/25/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75154	Web

06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30308	Web

06/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33584	Web	Servicemember

06/12/2021	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23460	Web	Servicemember

06/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NY 10001	Web	Servicemember

05/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TX 77077	Web

05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30310	Web

05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89129	Referral

03/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31407	Web	Servicemember

03/02/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NC 28262	Web

02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60104	Web

02/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32904	Referral

02/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31407	Web

02/07/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	LA 70737	Web	Servicemember

12/29/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60194	Web

11/19/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NY 10469	Web

10/30/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	MI 48188	Web

10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90034	Phone

10/23/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Fax

10/19/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NY 12401	Phone

09/18/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 75287	Web

09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18235	Web

06/27/2020	No	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 75067	Web

06/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46321	Web

05/19/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30096	Web

03/20/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34221	Web

02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33172	Web

01/08/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	GA 30071	Web

12/01/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 27807	Web

08/16/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 27624	Web

08/12/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 27624	Web

04/17/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30058	Web

03/08/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	MD 20724	Web	Servicemember

01/09/2019	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60433	Web

01/09/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60563	Web

12/27/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OK 74403	Web	Servicemember

10/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44137	Referral

08/27/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	GA 30067	Web

07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91387	Web	Servicemember

06/18/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NC 27603	Web

05/19/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31216	Web	Older American

07/31/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30302	Phone

06/11/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30302	Phone