Total CFPB complaints
116
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 116 complaints
Americas Car-Mart, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Americas Car-Mart, Inc.
- Written notification about debt
Written notification about debt
27 complaints
- False statements or representation
False statements or representation
23 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
22 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
20 complaints
- Communication tactics 7
Communication tactics
7 complaints
C
Grade C · 65.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Americas Car-Mart, Inc.?
Americas Car-Mart, Inc. has accumulated 116 total CFPB complaints across 21 states, with 56 filed in the most recent 12 months against 60 historical complaints before that window. The trailing-12-month volume represents 48.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 21 states, led by Alabama with 20 and Texas with 19, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.2/100 places Americas Car-Mart, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
56
48.3% of total history
Rising ↑
States active
21
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
65.2/100 composite
Response-quality profile
How Americas Car-Mart, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Americas Car-Mart, Inc. compare to its peers?
Americas Car-Mart, Inc… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-02 2026-03
Top Consumer Issues
False statements or representation23 (%)
Took or threatened to take negative or legal action20 (%)
Written notification about debt27 (%)
Attempts to collect debt not owed22 (%)
Communication tactics7 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 20 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 18 |
| Written notification about debt | Didn't receive enough information to verify debt | 16 |
| Attempts to collect debt not owed | Debt is not yours | 11 |
| Written notification about debt | Didn't receive notice of right to dispute | 11 |
| Communication tactics | Frequent or repeated calls | 7 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 6 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| False statements or representation | Indicated you were committing crime by not paying debt | 3 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
Where do complaints against Americas Car-Mart, Inc. come from?
The states where consumers have filed the most CFPB complaints against Americas Car-Mart, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Americas Car-Mart, Inc.
Across 21 states with at least one filing
- Alabama
Alabama
20 complaints
- Texas
Texas
19 complaints
- Arkansas
Arkansas
19 complaints
- Georgia
Georgia
13 complaints
- Tennessee
Tennessee
8 complaints
- Oklahoma 7
Oklahoma
7 complaints
- Mississippi 7
Mississippi
7 complaints
- Kentucky 4
Kentucky
4 complaints
Frequently Asked Questions
What is the most common complaint against Americas Car-Mart, Inc.? ▼
The most common issue consumers report about Americas Car-Mart, Inc. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 116 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 56 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 C (score: 65.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 Alabama (20 complaints).
What can I do if Americas Car-Mart, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Americas Car-Mart, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |