Oh my goodness, where in the heck do I even start with Carvana? Basically sounds like a lot of other people went and got close to the entire experience of buying a car and getting financed with Carvana.
Yesterday, after I did the agreement of the down payment that would be taken from my account on the day I was to receive the car and signed the paperwork for the car itself as well, I was told to call Carvana for finalizing verification of the bank deposit and deposit information. The bank told the guy that yes, the funds were available for ACH payments, and yes, I got deposits that come in each month, and yes, I am who I am as the bank required, with this man from Carvana listening to everything, including my social security number and birthday, to confirm that I am the owner of the bank account and as to verified who I am!
Hello, there is already your verification in itself, but the bank confirmed all this and the man said "great, you're all set and verified." He said the next thing was I needed to have my bank statements uploaded showing my deposits. I am thinking well, the bank already verified a lot of what you are wanting, but ok, this is understandable. Mind you, I already got verified and green check marked for that already.
Now as I continue, keep in mind again that I was already completed and verified on the phone with my bank and with Carvana asking them the necessary questions. Now since this morning, I've been jacking around with Carvana about the verification of my bank statements in their crazy format.
First they said my uploads were not verifiable because I didn't show three consecutive months for deposits. So I had to upload October, November, and December and they came back when I called to see if they got it, and then they tell me they have to have my name on them. Well instead of uploading all the same three again, I uploaded just one (the middle one), which was November, and made sure it showed the bank logo as well as my name on it, and then the same deposit information on it again. Well, lo and behold, Carvana didn't disappoint me with their crazy verification ways. She then tells me "now we need all three of them showing your name and bank logo as well as the entire statement." What the heck!
Why would you need the full statement, which is two more pages or so on each month showing transactions of where I spent my money at ranging from gas stations to restaurants, to Walmart, to utilities? I mean, why does Carvana think that this is a guarantee of verification any more than the bank statements that I sent where the first page showing you what you need to be concerned with, and that is the deposit along with my name and bank name.
Then she adds that after I do this, she will need to call my bank and verify my bank deposits and available funds! What, wait, what the heck?! I said I already did this yesterday and I am not going to call my bank again and go through all that again when I did this with you already, and it was to your satisfaction yesterday, but now you feel you want to redo other processes and can't get this one completed correctly.
This company is full of crap folks. They are nosey as heck and want just about everything you can think of just shy of a blood sample and urine test. I refused at that point to go any further with them and to tell you the truth, I never had this many problems and way less verification with a dealership, and the finance companies are all virtual because they are not in-house financing to begin with. Carvana is crazy, and I am very angry that they treated me this way.
I also should be relieved because the finance company they use is called GO Financial and these folks seem like criminals considering the reviews on them, and is owned and part of Carvana, and it makes sense why they want so much information and verification to your bank information because they are known for taking unauthorized money from people. Go read it for yourself.
So in my opinion, I will not deal with them, and they lost a really good customer that has always paid his vehicles off on time and paid a lot of cars off in my lifetime, and they bombed this one for their stupidity and crap they pulled on me. I already sent in everything they wanted and more and should have gotten nothing, but ok, your day to pick up your car is ect., etc. I will make it my lifelong quest to tell everyone, and I mean everyone everywhere I go about Carvana and how to stay away from them. They costed me time and headaches and stress so I will cost them bad experience as everyone will be asking me soon "what happened, I thought you were getting your car from Carvana?"
And I feel like an idiot for even talking so highly about them, up until now, so I will look like an idiot. And sure, there will be jokes about this and I will eat crow having to tell everyone how Carvana played games and screwed me over, but hey, they lost a good-paying customer! They will never last long in the future with people like me and how they treat us! Period!
Bottom Line: Yes, I would recommend this to a friend