Vehicle loans and leases
Carvana: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 70
- Closed with money back
- 0
- 2023 to 2025
- 21 to 28
Carvana received 685 complaints from everyone in the window; 70 carried the servicemember tag. The complaints are mostly about vehicle loan or lease, and the single most common issue is "Getting a loan or lease". 0 of the 70 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 21 in 2023 to 28 in 2025.
What the complaints are about
By product
| Vehicle loan or lease | 49 |
| Money transfer, virtual currency, or money service | 6 |
| Credit reporting or other personal consumer reports | 5 |
| Debt collection | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
By issue
| Getting a loan or lease | 27 |
| Managing the loan or lease | 14 |
| Improper use of your report | 6 |
| Problems at the end of the loan or lease | 5 |
| Other transaction problem | 3 |
| 2023: 21 | 2024: 21 | 2025: 28 |
Which accounts, specifically
| Loan | 56 |
| Credit reporting | 7 |
| Auto debt | 5 |
| Domestic (US) money transfer | 4 |
| Lease | 3 |
What went wrong, specifically
| Changes in terms mid-deal or after closing | 12 |
| Problem with fees charged | 5 |
| Confusing or misleading advertising or marketing | 5 |
| Credit inquiries on your report that you don't recognize | 5 |
| Problem with the interest rate | 5 |
Busiest month: January 2025, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from FL (10), TX (10), CA (8) , then AZ, GA, OH.
How Carvana answered
| Closed with explanation | 70 |
Carvana responded within the CFPB's 15-day window on 97% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
-
""
Debt collection; Attempts to collect debt not owed. MI, 2024-08-05. Outcome: Closed with explanation. Complaint 9712692
-
""
Vehicle loan or lease; Managing the loan or lease. CA, 2024-08-06. Outcome: Closed with explanation. Complaint 9709296
-
""
Debt collection; Attempts to collect debt not owed. TX, 2024-07-20. Outcome: Closed with explanation. Complaint 9569254
If this is your problem at Carvana
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with vehicle loans and leases peers
- Stellantis Financial Services US 66 servicemember complaints; 3 with money back
- United PanAm Financial 59 servicemember complaints; 0 with money back
- Vw Credit 88 servicemember complaints; 4 with money back
- World Omni Financial 55 servicemember complaints; 0 with money back
- Mercedes Benz Financial Services 109 servicemember complaints; 0% with money back
Next in the directory by volume: Advanced Resolution Services, Prosper Marketplace.
Frequently asked questions
How many complaints did servicemembers file against Carvana?
70 complaints tagged servicemember were received by the CFPB about Carvana Group, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 21 in 2023 to 28 in 2025.
What do servicemembers complain about most at Carvana?
Vehicle loan or lease accounts for 49 of the 70 complaints, and the most common issue is "Getting a loan or lease" (27). Next: "Managing the loan or lease" (14).
Does Carvana give money back when a servicemember complains?
0 of the 70 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 70 closed with an explanation only. Carvana answered 97% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.