Carvana review: Buying a car

When I bought the car from Carvana they never gave me a copy of the contract when the car was delivered. I did not know where to make the first payment and when I contacted Carvana on 27 November trying to make the first payment that was due on 1 December 2023 they transferred my call to Bridge crest and that is the first time that I learned that they would not accept a credit card payment. They wanted me to pay by debit card (I do not have a debit card) and they wanted me to sign up for auto pay which I will not do, or they wanted me to drive 34 miles round trip to the nearest Walmart to make a payment. I mailed them a payment on 27 November 23 and Bride crest telephoned me every day from 28 November (3 days before payment was due) through 9 December 23 asking where my payment was. I found out today that they had processed my payment on 7 December and yet they called me on 8 December and 3 times on 9 December (after they had already processed and cashed my check payment). I asked them to provide me with a monthly statement showing how much went to principal and how much went to interest. I was informed that they will not do that. If I want a monthly accountability of my payment, I must telephone them each month (every time I call them, I am on hold for 45 minutes to 1 hour). When I was unable to resolve the problems with both Carvana and Bridge crest I wrote them a letter on 6 December 2023 requesting binding arbitration. I was told by Carvana Resolution Department that it had to be done within 30 days of signing the contract. After I proofed to them that was not stated in the contract, I was informed that the only way that I could have binding arbitration was to hire an attorney and my attorney had to contact Carvana attorney. I told them that it was NOT REQUIRED to hire an attorney for binding arbitration. I have excellent credit, my credit score is 820 and Bridge crest is threatening to try and ruin my credit if payments are late. So the only way that I can VERIFY that Bridge crest has actually received my payment is to call them every month and be on hold for 45 minutes to 1 hour. That is totally unacceptable. When I asked the Bridge crest Supervisor which government agency regulates them I was told that if I wanted that information I needed to research and find it on my own. This is the WORSE FINANCIAL COMPANY that I have ever dealt with. I am a US Marine and RETIRED US Army. This is a terrible way to treat veterans and senior citizens!