Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carvana Group, LLC
State: MI

Complaint narrative:
UNITED STATES XXXX XXXX XXXX DISTRICT OF MICHIGAN XXXX XXXX XXXX XXXX, Estate By and through XXXX XXXX, Plaintiff, Case No. XXXX XXXX. XXXX XXXX XXXX v. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, Defendants. 



I. INTRODUCTION XXXX. This action arises from Defendants unlawful financing, servicing, and repossession practices in connection with XXXX purchase and financing of a XXXX XXXX XXXX. 
XXXX. Plaintiff brings claims under the Truth in Lending Act ( TILA ) and Regulation Z ( 12 C.F.R. Part 1026 ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ), UCC Article 9 ( MCL 440.9601 et seq. ), and Michigan state law for conversion, wrongful repossession, and violations of the Michigan Consumer Protection Act ( MCL XXXX ). 
XXXX. Plaintiff seeks declaratory, injunctive, and monetary relief, including return of the vehicle, damages, statutory penalties, and loss-of-use damages of XXXX XXXX 



XXXX. JURISDICTION AND VENUE Federal question jurisdiction : 28 U.S.C. 1331, 15 U.S.C. 1640 ( e ) ( TILA ), 15 U.S.C. 1692k ( d ) ( FDCPA ).

Supplemental jurisdiction : 28 U.S.C. 1367 ( state claims ).

Venue proper : 28 U.S.C. 1391 ( b ) events occurred in XXXX XXXX, MI. 



XXXX. PARTIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Estate, by XXXX XXXX, XXXX XXXX, MI. 
Defendant Bridgecrest : Finance company, creditor under XXXX XXXX XXXX 
Defendant Carvana : Auto dealer, creditor and transferor of account. 
Defendant XXXX XXXX XXXX : XXXX agent. 
Defendant XXXX XXXX XXXX : Individual repossession agent. 



IV. FACTUAL ALLEGATIONS XXXX. On XX/XX/XXXX, XXXX purchased a XXXX XXXX XXXX from XXXX under XXXX credit terms. 
XXXX. XXXX advertised the vehicle as XXXX inspected, no mechanical issues. Within XXXX weeks, the truck required extensive repairs, leaving Plaintiff without transportation for XXXX months. 
XXXX. XXXX transferred servicing to XXXX without notice required under 15 U.S.C. 1641 ( g ) and 12 C.F.R. 1026.39.

4. Plaintiff never received billing statements, account histories, or default notices,
violating TILA/Reg Z .

5. Plaintiff tendered payments, which Defendants denied or failed to apply, then refused to provide account records. 
XXXX. Plaintiff sent multiple administrative notices ( rescission, default, and opportunity to cure ). Defendants remained silent. 
XXXX. Plaintiff filed a CFPB complaint in XX/XX/XXXX, creating an active dispute record. 
XXXX. On XX/XX/XXXX, XXXX XXXX, at XXXX direction, repossessed the truck without notice or right-to-cure opportunity. 
XXXX. On XX/XX/XXXX, XXXX issued its first and only written notice ( Exhibit L ) : Notice of Disposition and Plan to Sell, scheduling auction after XX/XX/XXXX. 
XXXX. Plaintiff had already filed a UCC-1 Financing Statement ( Exhibit M ) before repossession, perfecting a lien on the vehicle. XXXX and XXXX ignored this perfected XXXX and seized the collateral unlawfully. 



V. CLAIMS FOR RELIEF Count I Violation of TILA/Regulation Z ( 15 U.S.C. 1631, 1637, 1638, 1640 ; 12 C.F.R. Part 1026 ) Failure to send periodic billing statements ( 1026.7 ).

Failure to disclose transfer of servicing ( 1026.39 ; 15 U.S.C. 1641 ( g ) ).

Failure to provide account history/dispute resolution ( 1026.13 ).

Relief : Statutory damages, actual damages, attorneys fees.

Count II Violation of FDCPA ( 15 U.S.C. 1692g ( b ) ) Plaintiff disputed debt and filed CFPB complaint ( XX/XX/XXXX ). 
Despite active dispute, XXXX continued collection, repossession, and sale activity. 
XXXX and XXXX during dispute = prohibited collection activity. 

Relief : Statutory damages up to {$1000.00}, actual damages, attorneys fees. 



XXXX XXXX Violation of XXXX Article XXXX ( MCL XXXX, XXXX, XXXX ) No advance notice of default or cure rights. 
Only post-repo NOI ( Exhibit L ) provided. 
Failure to honor Plaintiffs prior perfected XXXX ( Exhibit M ). 

Relief : Declaratory judgment recognizing XXXX priority, damages under XXXX  XXXX, return of collateral. 



Count XXXX Conversion/Wrongful Repossession ( MCL XXXX ; Michigan Common XXXX ) Defendants unlawfully deprived Plaintiff of property without lawful process. 



XXXX XXXX Michigan Consumer Protection Act ( MCL XXXX ) Misrepresented legal rights, failed to honor obligations, engaged in unfair trade practices. 



XXXX VI Violation of XXXX Failure to Honor Prior Perfected Security Interest ( MCL XXXX, XXXX, XXXX ) Plaintiffs UCC XXXX was filed before repossession. 
Defendants seized collateral in disregard of XXXX priority. 



VI. PRAYER FOR RELIEF Declaratory judgment recognizing Plaintiffs XXXX and XXXX rights. 
XXXX return of XXXX XXXX XXXX or its value. 
Statutory damages under XXXX and FDCPA. 
Damages under XXXX Article XXXX. 
$ XXXX loss-of-use damages from XX/XX/XXXX. 
Costs, attorneys fees, and further relief as XXXX deems proper. 



XXXXXXXX XXXX XXXX  Plaintiff demands trial by jury on all triable issues. 



With Exhibits AM ( rescission notices, XXXX  complaint, Notice of Dispute, XXXX, XXXX lien ) XXXX this complaint creates maximum settlement pressure : XXXX faces federal TILA/FDCPA liability, state UCC and consumer protection violations, and clear injunction grounds.

Company response to consumer: Closed with explanation