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

CFPB complaint data Grade C 135 complaints

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

CFPB complaint profile across 21 states, reputation grade C.

Complaints by issue type

What consumers report about Americas Car-Mart, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 65.2/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Americas Car-Mart, Inc. ranks ahead of 59% of the 5,283 collectors PlainCollector grades - 41% keep a cleaner CFPB record, on 135 all-time complaints and a 99% timely-response rate.

59th pct
reputation rank of 5,283 graded collectors
135
CFPB complaints, all-time
99%
answered inside the CFPB window
59
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Americas Car-Mart, Inc.?

Americas Car-Mart, Inc. has accumulated 135 total CFPB complaints across 21 states, with 59 filed in the most recent 12 months against 76 historical complaints before that window. The trailing-12-month volume represents 43.7% 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 "Took or threatened to take negative or legal action", narrowing to "Attempted to collect wrong amount". The company posts a 99% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 21 states, led by Texas with 22 and Alabama with 21. Normalized against the full CFPB collector database, the reputation score of 65.2/100 places Americas Car-Mart, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

135

mid-volume (CCDB)

Last 12 months

59

43.7% of all-time complaints

Rising ↑

States active

21

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

65.2/100 composite

How does Americas Car-Mart, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

65 59th percentile higher than 59% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Americas Car-Mart, Inc. versus the debt-collection vertical average.

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?

How does Americas Car-Mart, Inc. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2024-01 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Americas Car-Mart, Inc. contacts you

A grade of C signals how Americas Car-Mart, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Americas Car-Mart, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Americas Car-Mart, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "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 C (score: 65.2/100), 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).

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

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.