Consumer complaint received 2020-09-19
Company: Carvana Group, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
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

Company response to consumer: Closed with explanation