Total CFPB complaints
15
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 15 complaints
Cactus Jacks Auto Sales — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Cactus Jacks Auto Sales
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Written notification about debt
Written notification about debt
3 complaints
- Communication tactics
Communication tactics
2 complaints
- False statements or representation
False statements or representation
2 complaints
C
Grade C · 63.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Cactus Jacks Auto Sales?
Cactus Jacks Auto Sales has accumulated 15 total CFPB complaints across 7 states, with 10 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 66.7% 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 "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Arizona with 9 and Nebraska with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.2/100 places Cactus Jacks Auto Sales 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
10
66.7% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
63.2/100 composite
Response-quality profile
How Cactus Jacks Auto Sales performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Cactus Jacks Auto Sales compare to its peers?
Cactus Jacks Auto Sale… 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)
2019-05 2026-01
Top Consumer Issues
Took or threatened to take negative or legal action5 (%)
Attempts to collect debt not owed3 (%)
Written notification about debt3 (%)
Communication tactics2 (%)
False statements or representation2 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| False statements or representation | Told you not to respond to a lawsuit they filed against you | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
Where do complaints against Cactus Jacks Auto Sales come from?
The states where consumers have filed the most CFPB complaints against Cactus Jacks Auto Sales. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Cactus Jacks Auto Sales
Across 7 states with at least one filing
- Arizona
Arizona
9 complaints
- Nebraska 1
Nebraska
1 complaints
- Ohio 1
Ohio
1 complaints
- Michigan 1
Michigan
1 complaints
- Louisiana 1
Louisiana
1 complaints
- California 1
California
1 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
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 15 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 10 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: 63.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (9 complaints).
What can I do if Cactus Jacks Auto Sales 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 Cactus Jacks Auto Sales 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 |