Rayo Motors Juan Carlos Olvera is a scamming con artist and crook Rowlett Texas

Juan Carlos Olvera is a lifelong con artist with a criminal and civil record spanning his entire adult life. 

In my particular case, Juan committed fraud, falsified government documents, hot checks, identify theft, bad debt, perjury, and breach of contract. In the end, we took Juan to court and won.  However, it was during that case that we became aware of Juan’s lifetime spent scamming and defrauding individuals (typically lower income immigrants), financial institutions (banks and mortgage companies) and small businesses (property management, construction companies, landlords).  

Juan has caught the attention of the State of Texas and IRS. He has received multiple fines, lost the ability to operate a business, and owes back taxes.

Juan primarily runs 4 types of scams. The first is bank and mortgage fraud. Juan will take out loans (mortgages, home equity, construction) by falsifying the application. When that doesn’t work, he will have one of his accomplices (there is list of names below) attempt to do the same. When that doesn’t work, he will trick some unsuspecting person into taking out the loan in their name or cosigning. He has been caught doing this multiple times in Texas and taken to court. Juan always loses.

Juan’s second most popular scam is selling used cars that have no business being on the road. He finds vehicles with salvage titles (or no titles at all). In many cases, the vehicles have been totaled by an insurance company due to being in a terrible accident or flood. He sells the vehicles with fake car reports and warranties. According to past BBB, online complaints, and law suits, the customer was never told the vehicle had a salvage or bonded title. This makes the vehicles worth much less than what they paid and in some cases, very unsafe to drive. But overall, the reviews and claims are that the vehicles are unreliable and that Juan and his employees use predatory sales tactics and falsified documents. There are claims where customers never even received a title. 

Juan’s third favorite scam is providing financing on the used cars he sells.  He targets young, elderly, immigrant, and customers that do not speak English well. This way, he knows that they will more than likely not understand what has happened to them or complain. He will finance them with complex terms that have increasing interest rates, large balloon payments, prepayment penalties, and exorbitant fees. In some cases, when the loan is paid off he will not provide the title and instead pressure them to return the vehicle and trade it in on another. Of course, he will require that they use his financing again. 

Juan’s fourth scam is a simple one. He will purchase something or have a service provided and then not pay the bill. He defaults on dozens of bills per month. No one is safe. He won’t pay employees, medical bills, construction workers, landscapers, utilities, credit cards, etc. 

Juan has been attempting to flip homes through his construction and real estate companies Rayo Net Properties and Dallas All American Properties. Unfortunately, he has lost his contractor license in most cities due to failing inspections, code violations, multiple liens and complaints from other contracts (Juan stealing building materials and not paying contractors). He has committed mortgage fraud on all properties he is attempting to flip in Rowlett and Duncanville. 

This is a short list of crimes Juan has been convicted of in Texas:

1. Fraud (values range from $1,000 to over $1M per case)

2. Falsifying government documents

3. Bad Debt

4. Breach of Contract

5. Identity Theft

6. Hot checks (insufficient funds)

7. Perjury

8. Multiple moving/traffic violations that resulted in the suspension of his drivers license (failure to maintain auto insurance, unregistered vehicle, parking, speeding)

Due to his habitual criminal activity, Juan has spent more time in court that most judges. This is a short list of court cases involving Juan. This is just a fraction of what we found in Northeast Texas.

1. Case 1-18-1530, Rockwall County, Breach of Contract

Capital One Bank suing Juan Olvera for breach of contract. Case is on-going.

2. Case CI04-15, Rockwall County, Occupational Driver’s License

The State of Texas revoked driver’s license for Juan Olvera. Olvera later requests and is granted an occupational drivers license with special restrictions. 

3. Case CV1-18-0113, Rockwall County, Debt/Claim

Monserrat Olvera sued by Capital One Bank. Olvera defaulted on debt to Capital One. Judgement of $2,906.66 awarded to Capital One.

4. Case CV1-18-0115, Rockwall County, Debt/Claim

Monzerrat Olvera sued by Capital One Bank. Olvera defaulted on debt to Capital One.

5. Case JP2-17-0881, Rockwall County, Criminal

Monzerrat Olvera failure to maintain Financial Responsibility for automobile (car insurance). 

6. Case 12-14-00168-CV, 12th Court of Appeals, Debt

Juan Olvera committed fraud and attempted to breach the contract and skip out on the loan. Juan falsified documents during his claims and appeal. Judgement for American National Bank.

7. Case DC-13-05017, Dallas, 116th District Court, Property/Fraud

Juan Olvera mortgage and real estate fraud case. Olvera attempted to purchase property owned by Joe Vasquez and coerced Vasquez to assist in defrauding JPMorgan Chase Bank on a loan. Olvera took occupancy of the property and within the first year, wrote multiple checks for the monthly loan payments, all of which were returned due to insufficient funds. Olvera failed to secure insurance coverage as required by the loan. Olvera failed to pay property taxes. Olvera failed to pay subcontractors for work done on the property resulting in mechanic’s liens filed against the property. The Chase loan was in Vasquez’s name. Olvera attempted to sue Vasquez, however, Vasquez has countersued Olvera for Fraud in Real Estate Transaction, common law Fraud, and Breach of Contract. Olvera subsequently dropped his case.

8. Case CC-11-05430-C, Dallas, County Court at Law No. 3, Debt/Contract

Juan Olvera debt, breach of contract case. Olvera (dba Car Mex Auto Sales) sued by ADC Garland Partnership. Olvera defaulted on commercial lease agreement with ADC. Olvera wrote multiple checks for the monthly lease payments which were returned due to insufficient funds. Judgement of $14,000 awarded to ADC. 

9. Case 3-06-146, Rockwall County, Taxes

Rockwall ISD sues Juan Olvera for unpaid taxes. Address (((REDACTED))), Rockwall, TX. Property sold.

Juan’s aliases are:

1. Juan Carlos Olvera

2. Juan Olvera

3. Juan Carlos

4. Carlos Olvera

5. Rayo Net Properties

6. Ray Santos Motors

7. Rayo Motors LLC

8. Dallas All American Properties

9. Carnes Finas San Juan

10. Car Mex Auto Sales

Juan's companies all have the same business address registered with the State of Texas.  175 Peninsula Drive, Rowlett, TX 75089. Most of his businesses have been fined by the State of Texas or had their registration and charter rejected. 

Juan’s usual accomplices are:

1. Claudia Lorena Olvera

2. Monzerrat Olvera

3. John Murphree

4. Huaying Liu

5. Ivan Olvera

Juan, his aliases, and his companies have received dozens of negative reviews online with the BBB, SureCritic, Google, Justia, Yelp, and other sites. He has been the featured scammer on TheDirty, RipandScam, and ScamWatch.