Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC
State: WA

Complaint narrative:
Over the last few months, Ive tried to purchase a car from the car dealership, Carvana online. With that said, at the very end of the process, when you purchasing a vehicle leasing it, or paying out right for it, he received prompts that indicate that Carvana would like to verify your banking information. With that said, the methods by which they verify the account is not the methods any consumer has authorized they flat out, lie and deceive, and on their checkout page and thats unacceptable. When a consumer purchases or leases or finances of vehicle from Carvana, when they are prompted to put their banking information in. They are also told that a verification check would be done through a consumer credit reporting agency. Their credit reporting agency is experience, however, that is not what they do when it comes to verifying an account. Ive brought this to their attention, and they immediately hung up on me, and refused to do business, and hence the complaint. On the last purchase page where you finalize your purchase or finance or lease with Carvana and ask you to verify your account well the wording authorization wording that is given is as follows. 

By clicking " Verify My Account, '' I give Carvana written consent to verify the account I provided by obtaining a consumer report from a consumer reporting agency. 

This is disclaimer verbiage directly from the Carvana website. Despite the disclaimer, that is not what Carvana does in verifying accounts. Carvana uses XXXX and requires the consumer to link their financial account. This is not what I and countless. Others have given an authorization to. Following the statement above, I authorized Carvana to use XXXX, XXXX, or XXXX XXXX to verify my banking information not link a third party company named Plaid to verify my purchase. Furthermore, Carvana also states that they will give micro deposit into your the manually added bank account, and then instructed to come back and verify after I link it with plaid. None of this is used in the verbiage disclaimer, and I authorize none of it, this is illegal and a major privacy policy issue, and concern! I tried to bring it to with Carvanas attention and like I stated earlier they have hung up on me, or Im told I am over thinking it subsequently dismissing my legitimate privacy policy concern and issue. I dont mind somebody peering into my financial health. What I do mind, is, despite the wording verbiage presented as the authorization disclaimer ; that is not what Carvana does, not even remotely close. Carvana applies deceptive tactics and intentionally trys to deceive the customer. Furthermore, why does a person have to use XXXX and why is it required to use XXXX, in manual uploading of the bank information to purchase a car? 
I that is what was said in the authorization disclaimer, that would be a different story ; but its not in. It has never said that.

Company response to consumer: Closed with explanation