What is the most common complaint against Americas Car-Mart, Inc.?

The most common issue consumers report about Americas Car-Mart, Inc. is "Took or threatened to take negative or legal action", specifically "Attempted to collect wrong amount". This is based on 135 complaints filed with the CFPB.

Are complaints against Americas Car-Mart, Inc. increasing or decreasing?

Complaints against Americas Car-Mart, Inc. are rising. The company received 59 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Americas Car-Mart, Inc.'s reputation grade?

Americas Car-Mart, Inc. has a reputation grade of B (score: 62.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Americas Car-Mart, Inc. respond to consumer complaints?

Americas Car-Mart, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Americas Car-Mart, Inc. operate?

Americas Car-Mart, Inc. has received CFPB complaints from consumers in 21 states, with the most complaints from Texas (22 complaints).

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

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

CFPB complaint profile across 21 states, reputation grade B.

Compiled by PlainCollector

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

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 #701 · compose #2044

VOL 135
GRADE B
12MO 59
STATES 21
TIMELY 99%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #701
COMPOSE #2,044

Volume peers

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

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 →

Filing geometry

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

Volume rank #701 and composite rank #2,044 diverge by 1,343 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #701 volume; #2,044 composite; Cleanest-composite ladder is 1,343 places worse than volume

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

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

22
Alabama

21
Arkansas

21
Georgia

18
Oklahoma

10
Tennessee

9
Mississippi

8
Kentucky

6

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.