I would advise anyone considering purchasing a car from Carvana, please think twice. I purchased a car from Carvana in November of 2024. Carvana verified through Plaid that I had the down payment in my account at the time of purchase. When I attempted to make the payment over the phone with the representative (on the line with me), it kept declining due to a system error. I actually ran the card so many times that it locked and flagged as fraud. Chase Bank sent me a text message asking if I had attempted to make a purchase in the amount of $1190.00. I responded yes, and Chase unlocked the card. I tried to run it again and it would not go through due to a system error. The representative told me to take the cash to the dealership when I picked up the car (the following day). That Friday, I went to pick the car up, and the young man stated that he could not take cash at the dealership. He gave me the keys to the car and the purchases was somehow completed. My car payment has been made on time every month since I have had the car. In February, I received a certified letter stating that I would have to surrender the car if the $1190.00 was not paid by February 12,2025. I called Carvana and spoke with Joey. I explained to Joey that I can pay $600.00 that day and the remainder the following week. Joey stated that they are unable to take partial payments and that I would need to pay the $1190.00 in full. I then told Joey that I would be able to make the full payment the following week. Joey stated that she notated my account. On February 16,2025, my car was repossessed. While my children and neighbors are outside (very humiliating). I explained to the tow truck driver that my payment has been on time every month. He explained to me that in his line of work, Carvana/Bridgecrest Bank are the worst to deal with and he would advise that I seek another finance company once I got the car back. He stated that Carvana has a tracker on my vehicle (which he showed me on his phone). The tow truck driver stated that he has to take the car back with him or he would get paid and told me to tell the finance company that I had COVID and was unable to work and was unable to make a payment (although I showed him on my account where I was never behind on a payment). He assured me that I would get the car back without having to pay any repossession fees. The next day – 02/17/2025, I called Bridgecrest and they stated that I would need to pay $20,000 to get my car back. And because I am unable to come up with $20,000, they would keep possession of the car. Once the car has gone through an "unwind" process and passes inspection, Carvana/Bridgecrest would delete the trade line from my credit report as if I never had purchased a car. This process takes 30-90 days. In the meantime, I have been unable to purchase another vehicle due to Bridgecrest having the tradeline on my credit report (although it has never been late). I keep getting emails about paying my car payment by 02/28/2025 or it will be reported to the credit bureau as a 30 day late payment (damaging my credit and keeping me from getting another car). A Bridgecrest representative called me today 02/25/2025 asking if I was interested in paying the $20,000 to get the car back. I stated that I am not in the position to do that at this time. I then asked him about the hit that would be on my credit report and he stated that he would send me to Customer Relations. Once transferred to Customer Relations, I spoke with Chris who stated that because the car was in the "unwind" process, I can make a car payment to keep it from hitting my credit report and I would be refunded that amount after 30-90 days. If I did not make a payment, it would hit my credit report as 30 days late (even though I do not have the car). Chris stated that he would speak with higher administration to see if the hit could be stopped or slowed down (whatever that mean). I then asked for a letter from them stating that I no longer have the car in my possession and that I am no longer responsible for the loan. Unfortunately, that is something that Bridgecrest can not do. I don't know what to do right now as I have to get back and forth to work. I do not want to lose my job because they are holding me back from getting transportation. Carvana is the biggest SCAM, I have ever had to deal with. Shame on you all Carvana for treating people this way.