Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/09/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Carvant LLC, I do not have a contract with with Carvant FNCL, they did not provide me with the original contract I requested

  Business Response

  Date: 09/12/2025

  We respectfully disagree with the assertions made in the complaint. The complainant does, in fact, owe a valid debt to Carvant Financial, and we maintain extensive documentation supporting the validity of this obligation, including proof of identity, executed and signed retail installment contracts, verified proof of income and employment at the time of origination, and documented conversations relating to the account both prior to ********************* purchase of the contract and during our ongoing management of the account. The complainant defaulted on the account and has never submitted any request for validation of the debt or underlying documents during the life of the account; nevertheless, we have provided the documents specifically requested in response to this complaint. At this time, we urge the complainant to contact us directly so that we may work toward a resolution and discuss settlement options, and we remain committed to resolving this matter in good faith.

• Initial Complaint

  Date:07/16/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was financing a vehicle through Carvant, which was recently declared a total loss. I spoke with a *** at Carvant on or about 6/8/2025 about my claim since I had purchased ************* through them. My *** told me that after they received payment from my insurance provider that someone would contact me and let me know the next step. I never received a call, email or text from anyone at Carvant regarding my claim. On 7/7/2025 I received a text stating that my loan payment was 16 days overdue, but i had never received anything stating that my claim was complete and I still owe a balance. I have been unemployed for two years because I have been a caregiver for my son, who underwent to major organ transplants in the last two years and i have communicated that to Carvant over these last two years, so they are aware of my situation. Now they are trying to bully and Intimidate me into paying this loan off when they know I have no job or means of transportation anymore, by telling me that the interest is going to continue to accrue and it will affect my credit. So I'm filing this complaint because I feel that what Carvant Financial LLC are doing is unfair and unethical!

  Business Response

  Date: 07/21/2025

  Carvant Financial appreciates the opportunity to respond to *** ******* concerns and acknowledges the personal challenges he has experienced. Throughout the process, we maintained communication with *** ****** and informed him that a balance of approximately $550 would remain after the insurance and GAP claim was completed. This balance resulted from two deferred payments, a due date change, several late payments made prior to the total loss, and approximately $100 in prior vehicle damage not covered by GAP. These details were communicated, and *** ****** was advised to continue making payments to avoid any issues. We understand that *** ****** has faced financial hardship, and we are willing to assist him by offering a payment plan at an amount lower than his contractual payment. We respectfully ask that he contact our office to make arrangements. At no time was there any attempt to intimidate or pressure himour goal has always been to work with him in good faith and resolve the matter with compassion and professionalism.

  Customer Answer

  Date: 07/23/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  Carvant Financial did not maintain contact with me during my claim or when it was completed. I had to contact them after they sent me a message saying my car payment was two weeks late, because I was never informed that they had completed my claim. Neither did they inform me that I had to pay any balance. I wasn't made aware of anything until I contacted Carvant. The agent I spoke with couldn't tell me why no one had contacted me in regards to my claim. I told him that was unacceptable and I couldn't afford to pay anything because I just returned home after a year and half of being a caregiver for my son and have no income or car. The Carvant agent said he would call me back in a week and see if I was able to pay anything. I told him that I wouldn't be able to, but feel free to call back. The next day after talking with ****, Carvant began calling and messaging me every day since asking when am i going to make a payment because it is affecting my credit and they may repossess my vehicle. How can they repossess something I no longer have! This is a form of harassment, especially since I just spoke with a Carvant manager and made sure they were aware of my situation. They don't listen to anything I communicate to them. If they did, there should've been no reason why they've called me everyday for two weeks after I  spoke with a manager who said they would call me back in a week. I do not want to deal them anymore, because they have been inconsiderate, thoughtless and rude to me at times and I don't want to communicate with them anymore, unless it's through mediation or an attorney!

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *********** ******
  
  
  
  
   
  

  Business Response

  Date: 07/30/2025

  From the outset of the claim process, we clearly informed *** ****** that he would have a remaining balance after the claim was resolved and that he should continue making his regular payments during the process. This expectation was communicated early and consistently.
  
  On July 8, 2025, we spoke with *** ****** and again explained the reason for the remaining balance. During that call, we offered to work out a payment arrangement tailored to his circumstances. We also scheduled a follow-up for July 16, 2025 and called him as agreed, but were unable to reach him.
  
  We have sent numerous text messages and made repeated phone calls in an effort to reconnect and resolve the matter. Unfortunately, *** ****** has not responded. At no point did we fail to communicate or withhold information regarding the balance due. We have been clear, transparent, and professional throughout.
  
  We are sympathetic to *** ******* situation and remain willing to work out a suitable payment arrangement. However, we cannot do so without communication from him. The account remains past due, and collection efforts have continued as permitted under the terms of the agreement.
  
  We have reviewed all communications with *** ****** and believe we have acted reasonably, professionally, and with patience. We remain open to working with him, but strongly disagree with the characterization that we have been inconsiderate or harassing. We consider this our final response and encourage *** ****** to reach out if he is willing to engage in a constructive discussion to resolve the balance.
  
  Let me know if you'd like to adjust the tone further or emphasize specific points more strongly.
  
  

  Customer Answer

  Date: 07/31/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  Carvant never communicated to me prior to the claim being completed, that I would still have a balance after the claim was done. I was told I needed to make my loan payment for the month of June before the claim was completed. On July 8th, I contacted Carvant because I received a text saying my monthly payment was late, but i had never received any communications from them informing me my claim was complete and I have a remaining balance. I told the agent I spoke with on July 8th, that I wasn't pleased that no one contacted me in regards to my claim, and I have nothing to pay them right now. The agent and I agreed that he would call me back when he returned from vacation in a week. We didn't agree to someone calling and texting me every day until his return, which is what they have done. They've also sent me notices saying they will repossess my vehicle, which let's me know they didn't handle my claim properly because my insurance paid them the total loss settlement, so they should know that I don't have the vehicle anymore. Plus they still want to charge me interest and late fees on my balance, instead of closing it, when they know I just came out of an almost 2 year hardship and I have no transportation or income. I don't appreciate how they're handling this situation with me and I won't be intimidated or harassed into paying anything!

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *********** ******
  
  
  
  
   
  

• Initial Complaint

  Date:08/05/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with CARVANT FINANCIAL LLC. I do not have a contract with CARVANT FINANCIAL LLC. They did not provide me the original contract as requested.

  Business Response

  Date: 08/13/2024

  A review of the account does not indicate any identity theft.  ****************** signed the contract and provided proof of identity in the form of a driver's license, as well as proof of residence and income.  The account was paid in full in May, 2019.  We are unable to delete the account from the credit bureaus as it was a valid debt and we are required to report accurately.

• Initial Complaint

  Date:07/19/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was in a total loss in 3/24 I have a car loan with the company. I had full coverage with gap insurance. I am being harassed by the company saying I owe a balance. I am not understanding how I owe them anything and how gap would not of covered the gap that Bristol west did not pay. Im being told its finance charges.I am being harassed daily and i have spoken to them several times

  Business Response

  Date: 07/25/2024

  We have explained to Ms. several times why she has an outstanding balance during discussions with our Insurance Department.  Her insurance company paid the claim according to her policy, and the settlement amount was approved by ***********.  Her GAP company paid the claim in accordance with the policy, which does not cover prior damage/condition loss, excess accrued interest due to late payments, or deferred payments.  ************ had prior damage that was not covered, deferred four payments, moved her due date 10 days, and had additional accrued interest.  We would be happy to work with her on a payment arrangement for the outstanding balance if she contacts us.

• Initial Complaint

  Date:06/24/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a statement a couple weeks ago for my car loan stating i had a balance due of $136.91. I sent them a check for $150.00 which they received but they have refused to release their lien stating there are some fees not listed on there that i owe. i feel they are just gouging me for money because the loan is paid and want them to keep to their statement. i want the lien released and a refund of what i overpaid them.

  Business Response

  Date: 07/01/2024

  ****************** was sent a payment history as well as a payoff letter.  The payment history reflects his principal balance, which does not include any fees or interest.  The payoff letter did include fees and interest, but unfortunately, ****************** only sent the principal balance and did not send the amount from the payoff letter.  He currently still owes $113.72 as on 7/1/2024.  We would be happy to explain the difference to *** ******** if he contacts us directly.

  Customer Answer

  Date: 07/02/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

  Their response states the balance due does not include fees and interest then a few words later it says it does. they are talking out of both sides of their mouths and are trying to use deceptive practices to ***** me for more money.
  

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *************************
  
  
  
  
   
  

• Initial Complaint

  Date:05/02/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with CARVANT FINANCIAL LLC, I do not have a contract with CARVANT FINANCIAL LLC they did not provide me with the original contract as I requested.

  Business Response

  Date: 05/10/2024

   ******************** belief that Carvant is a credit reporting agency is incorrect.  We are her creditor, and we report to the credit reporting agencies as a data furnisher as we are required to do.  We have completed our investigation and confirmed we are reporting correctly.  Furthermore, we will continue to collect the outstanding debt to the extent allowable by law. 

• Initial Complaint

  Date:04/29/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not have any affiliation with this company whatsoever. I have been getting phone calls from them regarding someone I don't know. They also have called my teenage daughter and my siblings looking for this person. They called me and my daughter the same day last month in March 2024. They called me and my brother today 4-29-2024. I informed them the first time they called that I do not know the person they are looking for. They woman who called me was very loud, rude and ignorant.

  Business Response

  Date: 05/02/2024

   ************************ name and number were given to us by our customer as a reference to be called in the event we needed updated contact or location information.  We reviewed the call to ******************** and confirmed our representative was polite and professional.  We have marked her number as well as other numbers "do not contact", and ******************** should not receive any more calls.

  Customer Answer

  Date: 05/02/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, they are absolute liars but hopefully they will not contact me or anyother family members again. I find that this resolution is satisfactory to me and the matter has been resolved.

  
  Sincerely,
  
  *****************************
  
  
  
   
  

  
  

• Initial Complaint

  Date:04/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have reached out to this company numerous times because it was requested upon negotiations that after payment was received they would stop reporting negatively on my account. Although this account was not mine nor did i have knowledge or physically sign documentation binding me to this company, payment has since been collected and is still reporting derogative.

  Business Response

  Date: 04/09/2024

  We will delete the tradeline as a courtesy.  The customer only signed as coapplicant so she could put the insurance on the car for her son, and ultimately paid the account off after the total insurance loss.  The account was paid well before the loss.

• Initial Complaint

  Date:02/23/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is harassing me. They have contacted me multiple times, most recently today at 12:37pm regarding someone by the name of *************************. I do not know this person and have told them this multiple times. This is harassment, I called the number back and told them to cease and desist contacting me. They are harassing me but are rude and hang up on me. Stop phishing! People all over have the same last name it does not mean they know each other or are related.

  Business Response

  Date: 02/27/2024

  We have **************** listed as a contact of one of our account holders.  A review of the contact history showed we called **************** two times in an attempt to update the location and contact information of our account holder, once in September 2023 and once in February 2024.  The calls were compliant with law and statute and handled professionally and correctly.  The issue with the system notation in September which allowed her to be contacted one more time, almost six months later, has been corrected. ******************** number was again flagged DO NOT CALL after the February call, at her request, and she will not receive any more calls.

  Customer Answer

  Date: 02/27/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because

  You are NOT in compliance because there is no way I was listed as a contact for someone I do not know and no way I was listed as a reference.  Your company used phishing as a means to find my contact information and I require complete deletion and removal of my information from your systems or I will escalate this to the fullest extent of the law as my rights have been violated. Not to mention when I contacted your company I was hung up on as if I am the one who owes you money.  

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  **************
  
  
  
  
   
  

  Business Response

  Date: 03/11/2024

  As stated previously, all calls were compliant with law and statute and handled professionally and correctly.  We have taken steps to ensure she will not be contacted again.

• Initial Complaint

  Date:11/27/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a car and financed through carvant. Not soon after I got the car my wife unexpectedly lost her job. Was out of work for 3 weeks. Since starting a new job that has no paid time off and a daughter that has been sick on and off tends to keep her home some times 2 to 3 days in a row. So on top of being behind by over 3 weeks of pay(roughly 1800$) I have been usually about 10 days past due but may payment quickly after. This past month I found I am needing to move and had to find the funds to afford a new apartment. I explained the situation but their threats had mounted anxiety for My poor wife. Threats to come take the car only being 23 days past due. I have had them text me options to deferred payment only to call and say no I'm not allowed to do such a thing. Then asked to set a payment arrangement, only to call and set said arrangements for November 30th still not 30days past due only to be denied that date. The threats on your the only one on our list that refuses to pay on your account and roughly several calls a day from them has both of us stressed. Half the time I do try to pay over the app my account is locked forcing me to call to pay. Very shady of a company and very bullish behavior to people.

  Business Response

  Date: 12/04/2023

  We reviewed the file and confirmed that all our communications have been made according to law and statute, and we offered all options that ************** is eligible for.  We have contacted ************** and we believe we have addressed his concerns.  As a gesture of good faith, we have made an exception regarding account deferment that should help him with his account, which seemed very acceptable to him.

  Customer Answer

  Date: 12/05/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  *********************************