Product: Vehicle loan or lease

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.