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

CFPB complaint data Grade B 135 complaints

Americas Car-Mart, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade B.

Complaints by issue type

What consumers report about Americas Car-Mart, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record americas-car-mart-inc Americas Car-Mart, Inc.

Grade B · 135 CFPB filings · 99% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 135
  • GRADE B
  • 12MO 59
  • STATES 21
  • TIMELY 99%
  • DISPUTE 0%
  • ISSUE Took or threatened to take…
  • RANK #701
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: All State Credit Bureau, Inc. (135 complaints)

All State Credit Bureau, Inc.All State Credit Bureau, Inc.135Receivables Outsourcing, Inc.Receivables Outsourcing, Inc.135Steel River Systems, LLCSteel River Systems, LLC135Americas Car-Mart, Inc. (this)Americas Car-Mart, Inc. (thi…135Diaz & Associates, Inc.Diaz & Associates, Inc.136
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Americas Car-Mart, Inc.'s 135 CFPB complaints sit next to All State Credit Bureau, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 135 complaints break down

Every complaint issue type on record for Americas Car-Mart, Inc., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
62.5/100
Americas Car-Mart, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
135
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for Americas Car-Mart, Inc. (16.3%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 16.3%
Mid-band (15–30%) · 21 states with ≥1 filing
Seasonal peak
2025-06 9.1%
8–15% band · 6 filings
Corpus ranks
#701 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Americas Car-Mart, Inc. compare to its peers?

How does Americas Car-Mart, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Americas Car-Mart, Inc. National average
Complaints (last 12 mo)lower is better
59
24
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
0%
21%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Americas Car-Mart, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 75%80%85%90%95%100%105% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Americas Car-Mart, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Americas Car-Mart, Inc.All State Credit Bureau, Inc.Receivables Outsourcing, Inc.S&S Physician Services, Inc.Blakely-Witt and Associates, Inc.Mutual Management Services LLCLaw Offices of Hayt, Hayt & Landau, LLCLien Enforcement IncUnited Resource Systems, Inc
Source: CFPB Consumer Complaint Database

Americas Car-Mart, Inc.'s complaint volume in context

Americas Car-Mart, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

135 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Americas Car-Mart, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-01 2026-03

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
39
False statements or representation
29
Written notification about debt
28
Attempts to collect debt not owed
26
Communication tactics
11
Cont'd attempts collect debt not owed
1
Threatened to contact someone or share information improperly
1

Where do complaints against Americas Car-Mart, Inc. come from?

Americas Car-Mart, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Americas Car-Mart, Inc.

Across 21 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Americas Car-Mart, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 135.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.13793103448276%.

4 peers

Know your rights before responding to Americas Car-Mart, Inc.: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.