ComplaintsforCarvant Financial LLC

• Initial Complaint

  04/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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

  02/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  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

  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 response

  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

  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

  11/27/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  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

  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 response

  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,
  
  *********************************
  
  
  
   
  
  

• Initial Complaint

  07/10/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been getting contacted for over 3 months by this company and specifically by an individual representing named *****. He calls at 9:30 Am on Fridays or Mondays. I have no debts in collection but he is actually reaching out about someone that used to reside at my address and apparently had my phone number listed on their application. It is absurd that they are reaching out to me because apparently, they cannot get in contact with whomever they have the debt for. Harassing my phone line when I don't do business with you and also having my phone numbers on the Do Not Call registry is very weird that they keep contacting me. I am seeking legal help at the moment for these 3 months of comedy of constant calls.

  Business response

  07/26/2023

  We called **************** because one of our customers gave his number and authorized us to call in order to update contact and location information.  A review of the account shows we spoke to **************** only two times.  During the first conversation, **************** was polite and helpful, and did not indicate in any way he was upset by the call or that we should not contact him again.  During a follow-up call several days later, **************** asked us to take him off the call list, which was done immediately by the representative as is our policy.  **************** claim that the calls occurred over three months and that there were numerous calls is incorrect.   Our review confirms the calls occurred over a brief period of time, were made according to statute, and stopped when he requested. We have, however, notated the related account and will ensure that no additional calls are made to ****************.

• Initial Complaint

  06/12/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I do not owe Carvant Financial LLC a balance. The 2010 ****** Altima was totaled on 1/5/23 and State Farm paid $6015.05 to Carvant Financial LLC and the remaining balance was also paid by my GAP coverage.

  Business response

  06/15/2023

  While State Farm and GAP did pay most of her balance, ******************** does have a small remaining balance due to condition loss and some late payments not covered by her GAP policy.  We have explained this to her, and look forward to her contacting ** to settle the outstanding amount.  We are reporting correctly, and are unable update her account with the credit bureaus until she settles her balance or makes a payment arrangement.

• Initial Complaint

  04/17/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been in contact with Carvant for over a year now regarding the inaccurate information that they have placed on my credit report. they have my account and payment status listed as a derogatory **** as well as a charge off which is very much so inaccurate. First things first they are literally sharing my nonpublic information and secondly have been causing me to get denied for multiple things including purchasing a home because of the inaccurate information that they sold to the three credit bureaus which I never authorized. This has been extremely detrimental to my overall well being but has also caused a significant amount of stress on not only me but my family. I. don't understand how such a large company does not have the proper systems in place to make sure they are one not only submitting accurate information but two -not appropriately responding to my concerns. I need for them to delete the inaccurate information from my credit report and stop selling not only my nonpublic information but I'm sure others as well. The next step will honestly have to be legal action because I can not spend another year waiting on an unethical company to do what they were supposed to do a year ago.

  Business response

  04/18/2023

  PROPOSED RESPONSE: Carvant Financial reports to Experian, Equifax, and Transunion. A review of ****************' file,  as well as a review of Carvant's reporting to all three credit reporting agencies, confirmed that Carvant is reporting accurately. As a courtesy, we will submit a request to have Carvant Financial deleted from ****************' credit reports. 

• Initial Complaint

  11/04/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is my 2nd letter to ; Carvant Financial is reporting a late payment on my consumer report: November 2018 they reported that my transaction was 30 days late. This is a billing error. I have no other late payments for 2019 or 2020 and I have 11 months of on time payments for 2018. This is an error. However, I have tried to resolve this matter with Carvant Financial and they refuse to remove the late payment and comply with the **** Consumer Laws. Carvant Financial is in clear violation of the law. Pursuant 15 USC ****a 2(A)(i) EXCLUSIONS- Except as provided in paragraph (3), the term consumer report does not include(A)subject to section ****s3 of this title, any(i) report containing information solely as to transactions or experiences between the consumer and the person making the report; THE *** CLEARLY STATES: Transactions between the consumer (ME) and the person (Carvant Financial) Making the report is NOT INCLUDED on my Consumer report! They HAVE FAILED TO COMPLY WITH THE **** 15USC ****a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. They have failed to comply with 15 USC ****b Permissible purpose of consumer reports (a) IN GENERAL, Subject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the consumer to whom it relates This reporting has caused me and my family damages to our livelihood. Making it hard to obtain a higher paying job, move into a safer neighborhood and school district.Due to their failure to respond satisfactorily with deletion of the above Transaction Experience, I am seeking Actual Damages in the amount of $6,000 for the consumer violations I have endured.

  Business response

  11/04/2022

  A review of ************************ account confirms that there was no billing error and Carvant reported the late payment correctly.  Carvant did not violate any law, regulation, or statute, and ************************ claim that there were violations is completely untrue.  Carvant will remove the late payment reported as a courtesy, given the time since the late payment as well as an otherwise reasonable payment history, but her request for damages is completely without merit. 

• Initial Complaint

  11/01/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I had car loan from carvant I told them taken come the car they still owe them they sold the car I couldnt afford the payment no more I miss a payment of 422 they claim I miss 4 payment so they still adding fees the account I no longer have the car and it was sold they made deal with the dealership some reason I still got played out my money I only put **** down not **** they trying keep the account open whatever reason there is I owe them back payments now they saying I owe ***** how when it supposed to be 800 that supposed be my last payment cause the car was no longer my problem

  Business response

  11/04/2022

  We have attempted to comply with ************** request we contact her, but she has been unresponsive.  We would be happy to discuss the account with ************** if she calls us.

  Customer response

  11/05/2022

  They are lairs just want they want their money they sold the car  they want me pay the difference the very rude they will saying anything just for me not get other car watch they will not answer no questions you ask them  I dont owe anything like I told them if they wanna keep the account open tat on them all they want is money they played me outta my money. Nothing I say to them they are rude people Im done doing business with them 
  
  
  
   
  
  

• Initial Complaint

  10/18/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I sent in multiple letters on September 18, 2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 15 U.S code **** (g) validation of debt 15 U.S code ****d harassment and abuse 15 U.S code ****e False or misleading representations 15 U.S code ****f-Unfair practices Under 15 U.S code ****k civil liability

  Business response

  11/04/2022

  A review of ********************** account confirms that Carvant reported credit bureau information correctly.  Carvant did not violate any law, regulation, or statute, and ************************ claim that there were violations is completely untrue.  Carvant will remove the late payments reported as a courtesy, to avoid any additional issues.

• Initial Complaint

  09/19/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company has violated FDCPA rights. They fail to verify ANY information during outbound calling & proceeded to tell me EVERYTHING about this specific account without verifying that I am in fact the actual person on the account. Theyve provided my information to third parties in regards to my account being past due. I have received private phone calls from Carvant Financial Representatives numerous of times. I also get text messages from the financial institution notifying me of my delinquency and repossession. It is to my understanding that releasing ANY information in regards to an account past due or anything in that nature is prohibited from being disclosed in collection practices. I feel harassed very much! I dont feel like my information is safe with this company.

  Business response

  09/22/2022

  Our review of all communications with ********************** confirmed that Carvant acted in accordance with state and federal regulations, including FDCPA.  Additionally, our contacts were made to phone numbers that ********************** gave us express permission, in writing, to call and text.  We have discussed ************************** issues with her, and have been able to work them out to our mutual satisfaction.

*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. ↩