This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 78 complaints

Carvana Group, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Complaints by issue type

What consumers report about Carvana Group, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 54.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Carvana Group, LLC ranks ahead of 23% of the 5,283 collectors PlainCollector grades - 77% keep a cleaner CFPB record, on 78 all-time complaints and a 99% timely-response rate.

23rd pct
reputation rank of 5,283 graded collectors
78
CFPB complaints, all-time
99%
answered inside the CFPB window
19
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Carvana Group, LLC?

Carvana Group, LLC has accumulated 78 total CFPB complaints across 22 states, with 19 filed in the most recent 12 months against 59 historical complaints before that window. The trailing-12-month volume represents 24.4% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate.

Complaints have been recorded across 22 states, led by Georgia with 10 and Texas with 10. Normalized against the full CFPB collector database, the reputation score of 54.1/100 places Carvana Group, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

78

low-volume (CCDB)

Last 12 months

19

24.4% of all-time complaints

Stable →

States active

22

multi-region footprint

Timely response rate

99%

excellent band

Reputation grade

D

54.1/100 composite

How does Carvana Group, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

54 Bottom 23% higher than 23% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Carvana Group, LLC versus the debt-collection vertical average.

Timely response within SLA 98.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 39.3%

Share of US states + territories with at least one filed complaint against this collector.

How does Carvana Group, LLC compare to its peers?

How does Carvana Group, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Carvana Group, LLC National average
Complaints (last 12 mo)lower is better
19
15
268
Timely-response ratehigher is better
99%
88%
91%
Consumer-dispute ratelower is better
0%
33%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-02 2025-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 34
Written notification about debt - 16
Took or threatened to take negative or legal action - 15
False statements or representation - 11
Communication tactics - 2

Where do complaints against Carvana Group, LLC come from?

Carvana Group, LLC's own per-state count, not a national baseline.

Top states by complaints against Carvana Group, LLC

Across 22 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Carvana Group, LLC contacts you

A grade of D signals how Carvana Group, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Carvana Group, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Carvana Group, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Carvana Group, LLC? ▼

The most common issue consumers report about Carvana Group, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 78 complaints filed with the CFPB.

Are complaints against Carvana Group, LLC increasing or decreasing? ▼

Complaints against Carvana Group, LLC have been stable. The company received 19 complaints in the last 12 months.

What is Carvana Group, LLC's reputation grade? ▼

Carvana Group, LLC has a reputation grade of D (score: 54.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Carvana Group, LLC respond to consumer complaints? ▼

Carvana Group, LLC has a 99% timely response rate to CFPB complaints.

In how many states does Carvana Group, LLC operate? ▼

Carvana Group, LLC has received CFPB complaints from consumers in 22 states, with the most complaints from Georgia (10 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.