ComplaintsforCarvant Financial LLC
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Complaint Details
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Initial Complaint
08/05/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
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
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
07/19/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
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 timesBusiness response
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
06/24/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
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
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 response
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
05/02/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
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
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
04/29/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
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
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 response
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
04/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
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 becauseYou 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
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
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
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.
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Customer Complaints Summary
22 total complaints in the last 3 years.
10 complaints closed in the last 12 months.