Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carvana Group, LLC
State: MI

Complaint narrative:
Got it heres your CFPB complaint rewritten into a formal letter format you can send directly ( by mail or upload in PDF ) while keeping your Trustee capacity clear : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan United States XXXX XXXX XXXX Islands Near. [ XXXX ] Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Re : Formal Complaint Against XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Contract Misrepresentation, and Collection Abuses Dear CFPB XXXX, I, XXXX XXXX XXXX, Trustee of the Estate of XXXX XXXX XXXX XXXX, submit this formal complaint regarding unlawful auto finance practices by Carvana, LLC and XXXX XXXX XXXX, XXXX. 


XXXX. Subject of Complaint Category : Auto Loan or Lease Sub-category : Problems with loan/lease terms, servicing, and debt collection practices Issues Reported : Dealer fraud and contract misrepresentation Unauthorized transfer of financing contract Harassment and threatened repossession Failure to provide billing statements and required disclosures XXXX. Parties Involved Carvana, LLC XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX. Statement of Facts I purchased a XXXX XXXX XXXX ( VIN : XXXX ) through Carvana. Carvana represented itself as both the selling dealer and the financing entity at the time of purchase. I made a down payment and continued with payments as agreed. 

Without my knowledge, consent, or disclosure in the contract, Carvana sold/assigned the financing agreement to XXXX. This action occurred without notice, disclosure, or approval, in violation of the Truth in Lending Act ( XXXX ) and related consumer laws. 

Since the transfer, XXXX has : Harassed me with repeated daily collection calls, often multiple calls per day, leaving voicemails that flood my inbox ; Threatened repossession of my vehicle despite my ongoing dispute; Failed to provide billing statements or payment history despite multiple requests ; Ignored my demand for debt validation, violating FDCPA standards. 

Additionally, Carvana misrepresented contract terms, failed to disclose assignment, and sold me a vehicle with serious defects ( including transmission issues ). 


XXXX. Violations of Law Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) nondisclosure of assignment and failure to disclose key financing terms.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) harassment, excessive calls, failure to validate debt. 
UCC & Michigan Consumer Protection Act sale of defective vehicle, failure to deliver clear title and full disclosures. 
XXXX XXXX XXXX failure to honor warranty obligations. 


XXXX. Relief Requested I respectfully request that the CFPB : Investigate Carvanas fraudulent misrepresentations and undisclosed assignment. 
Require XXXX to cease all collection and repossession activities until resolution. 
XXXX XXXX to provide full billing statements and debt validation. 
Require both parties to correct negative credit reporting. 
Compensate me for damages caused by these unlawful practices. 
Issue injunctive relief preventing repossession until lawful resolution is reached. 


XXXX. Notice of Intent to Sue I hereby notify the CFPB that I intend to pursue legal action against Carvana and XXXX for : Dealer fraud and contract misrepresentation ; Violations of TILA, FDCPA, and XXXX ; Breach of contract and Michigan consumer protection violations ; Emotional and financial damages from unlawful practices. 


XXXX. Supporting Documentation ( Attached ) Cease & Desist Letter sent to XXXX Statement of Default by Seller Call logs and voicemail evidence Prior notices, demands, and affidavits submitted Respectfully submitted, XXXX XXXX XXXX, XXXX XXXX XXXX, Estate of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation