Furthermore if he connected it and the full info wasn't on the other ends because his specific bank doesn't allow full transparency for privacy/security reasons.

And judging by the fact the 3 way call took 2.5 hours to accomplish I believe it. The funds verification portion of the deal can be done with the automated system or manually with a rep and the representative only needs to ask the bank 3 questions (are there enough funds, verify last 4 digits of the account and if the account is ACH compatible) if it took nearly 3 hours that's on the bank not carvana.

Additionally in some states co-signers are needed to sign off on the resale/trade, there's nothing Carvana can do about that afaik.

Everything else was pretty spot on and awful though :(