Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CARVANT FINANCIAL LLC
State: MA

Complaint narrative:
I explained XX/XX/XXXX that my payment was going to be late and they threatened to repossessed my suv as they had done months previously. 
Carvant FNCL closed my account on XX/XX/XXXX. Remarks : Profit and Loss Write-Off This information I found on my XXXX XXXX account. 
My suv was repossessed Tuesday, XX/XX/XXXX by XXXX XXXX XXXX XXXX. I called XXXX, MA police station who told me my vehicle was repossessed and the towing company who has it is XXXX XXXX XXXX XXXX. 
I called XXXX XXXX XXXX XXXX and the woman told me that my vehicle was listed as repossession since XX/XX/XXXX. 
I called and spoke to Carvant FNCL who immediately started to argue with me. I calmly asked the representative to transfer me to my account representative XXXX and XXXX said she's not who I need to speak to. He then transfered my call to the Repo Manager who asked me questions and told me where the vehicle was being held. He then gave me the number of the attorney handling the case, which was wrong. He said he csll he back in fifteen minutes with the verdict of what I could do to get my truck back. He never called back. So I called the name and number of the attorney the Repo manager gave me : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, debt collector in XXXX XXXX, NY. 
This company told me they were not handling my case and directed me to another attorney office. XXXX XXXX located in Rhode Island. XXXX XXXX phone number ( XXXX ) XXXX. My file number with him XXXX. XXXX XXXX gave me XXXX listings of what his client us not responsible for and he claimed but could not verify if the loan amount is {$19000.00}. XXXX XXXX became upset and raised his voice at me. I remained polite and calm when I told him the vehicle is not worth the price sbd no work has ever been done to it. He said to me that I said in the XXXX requirements by my client is that it's not their responsibility if it doesn't run, or parts break down. He let me know that they would be auctioning off the vehicle and coming after me for the remainder. My one problem with that is Carvant FNCL has wrote this truck off and it was closed on XX/XX/XXXX. Now it's sitting and am I responsible if I get it back. I had work done to the vehicle since I had it and that caused payments to be late. Also me and my son was homeless and still is. 
The mechanic who just changed the spark plugs found XXXX  XXXX on top of the engine and told me no one has done anything to this vehicle and it had been sitting for a long time. I replaced the exhaust because it had a hole and that was 2 months after having it, then the alternator starting going. I had to ask my kids father for the money. I went to trade the truck off and while talking to the dealer he calls XXXX XXXX and the dealer is talking about the trade in with Carvant FNCL and the Carvant FNCL rep asked to speak to me and the dealer hands me the phone and I say hello and Carvant FNCL has hung up. The XXXX, NH dealer is baffled that Carvant FNCL rep hung up.

Company response to consumer: Closed with explanation