What is the most common complaint against CarMax, Inc.?

The most common issue consumers report about CarMax, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 557 complaints filed with the CFPB.

Are complaints against CarMax, Inc. increasing or decreasing?

Complaints against CarMax, Inc. are rising. The company received 170 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is CarMax, Inc.'s reputation grade?

CarMax, Inc. has a reputation grade of C (score: 57.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CarMax, Inc. respond to consumer complaints?

CarMax, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does CarMax, Inc. operate?

CarMax, Inc. has received CFPB complaints from consumers in 40 states, with the most complaints from Georgia (95 complaints).

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

CarMax, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

241
Took or threatened to take negative or legal action

101
Written notification about debt

78
False statements or representation

66
Communication tactics

53
Threatened to contact someone or share information improperly

7

Data updated September 2026

CFPB complaint disposition

CCDB record carmax-inc CarMax, Inc.

Grade C · 557 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #249 · compose #2699

VOL 557
GRADE C
12MO 170
STATES 40
TIMELY 100%
DISPUTE 7%
ISSUE Attempts to collect debt n…
RANK #249
COMPOSE #2,699

Volume peers

Nearest volume peer: EdFinancial Services (556 complaints)

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

CarMax, Inc.'s 557 CFPB complaints sit next to EdFinancial Services 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

Georgia is the plurality state for CarMax, Inc. (17.1%)

Volume rank #249 and composite rank #2,699 diverge by 2,450 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Georgia 17.1%; Mid-band (15–30%) · 40 states with ≥1 filing
Seasonal peak: 2016-10 8.6%; 8–15% band · 46 filings
Divergent corpus ranks: #249 volume; #2,699 composite; Cleanest-composite ladder is 2,450 places worse than volume

How does CarMax, Inc. compare to its peers?

How does CarMax, 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

CarMax, Inc. National average

Complaints (last 12 mo)lower is better

170

359

268

Timely-response ratehigher is better

100%

92%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-03 2018-05

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	241
Took or threatened to take negative or legal action	101
Written notification about debt	78
False statements or representation	66
Communication tactics	53
Threatened to contact someone or share information improperly	7
Disclosure verification of debt	6
Electronic communications	3
Cont'd attempts collect debt not owed	1
Improper contact or sharing of info	1

Where do complaints against CarMax, Inc. come from?

CarMax, Inc.'s own per-state count, not a national baseline.

Georgia

95
Texas

76
California

54
Florida

49
North Carolina

36
South Carolina

32
Illinois

26
Maryland

21

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CarMax, 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: 557.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.79797979797979%.

4 peers

Know your rights before responding to CarMax, 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.