What is the most common complaint against Cactus Jacks Auto Sales?

The most common issue consumers report about Cactus Jacks Auto Sales is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 20 complaints filed with the CFPB.

Are complaints against Cactus Jacks Auto Sales increasing or decreasing?

Complaints against Cactus Jacks Auto Sales are rising. The company received 14 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Cactus Jacks Auto Sales's reputation grade?

Cactus Jacks Auto Sales has a reputation grade of C (score: 58.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Cactus Jacks Auto Sales respond to consumer complaints?

Cactus Jacks Auto Sales has a 100% timely response rate to CFPB complaints.

In how many states does Cactus Jacks Auto Sales operate?

Cactus Jacks Auto Sales has received CFPB complaints from consumers in 7 states, with the most complaints from Arizona (14 complaints).

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

Cactus Jacks Auto Sales - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade C.

Compiled by PlainCollector

Took or threatened to take negative or legal action

8
False statements or representation

4
Attempts to collect debt not owed

3
Written notification about debt

3
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record cactus-jacks-auto-sales Cactus Jacks Auto Sales

Grade C · 20 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #1884 · compose #2618

VOL 20
GRADE C
12MO 14
STATES 7
TIMELY 100%
ISSUE Took or threatened to take…
RANK #1,884
COMPOSE #2,618

Volume peers

Nearest volume peer: Account Control Systems, Inc (20 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Cactus Jacks Auto Sales's 20 CFPB complaints sit next to Account Control Systems, 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 →

State-heavy filing map

70.0% of Cactus Jacks Auto Sales's CFPB filings land in Arizona

High volume does not equal a clean composite: Cactus Jacks Auto Sales is volume #1,884 but composite #2,618, while Arizona dominates the geography. Corpus placement method.

Dominant state: Arizona 70.0%; 14 of 20 filings · 7 states touched
Seasonal peak: 2025-07 10.0%; 8–15% band · 5 filings
Divergent corpus ranks: #1,884 volume; #2,618 composite; Cleanest-composite ladder is 734 places worse than volume

How does Cactus Jacks Auto Sales compare to its peers?

How does Cactus Jacks Auto Sales compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Cactus Jacks Auto Sale… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-10 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	8
False statements or representation	4
Attempts to collect debt not owed	3
Written notification about debt	3
Communication tactics	2

Where do complaints against Cactus Jacks Auto Sales come from?

Cactus Jacks Auto Sales's own per-state count, not a national baseline.

Arizona

14
California

1
Florida

1
Louisiana

1
Michigan

1
Nebraska

1
Ohio

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Cactus Jacks Auto Sales: 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: 20.

4 peers

Know your rights before responding to Cactus Jacks Auto Sales: 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.