Consumer complaint received 2021-03-18
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
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..

Company response to consumer: Closed with explanation