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

CFPB complaint data Grade C 557 complaints

CarMax, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade C.

Complaints by issue type

What consumers report about CarMax, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #20

  • VOL 557
  • GRADE C
  • 12MO 170
  • STATES 40
  • TIMELY 100%
  • DISPUTE 7%
  • ISSUE Attempts to collect debt n…
  • RANK #249
  • COMPOSE #20

Volume peers

Nearest volume peer: EdFinancial Services (556 complaints)

EdFinancial ServicesEdFinancial Services556Law Office of Michael J. Scott, PCLaw Office of Michael J. Sco…556Monarch Recovery Holdings, Inc.Monarch Recovery Holdings, I…556CarMax, Inc. (this)CarMax, Inc. (this)557Community Choice Financial, Inc.Community Choice Financial, …559
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 →

How the 557 complaints break down

Every complaint issue type on record for CarMax, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.9/100
CarMax, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
557
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
7%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#249 volume
#20 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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
7%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy CarMax, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) CarMax, Inc. vs. 9 similar-volume peers, by response speed and dispute rate CarMax, Inc.EdFinancial ServicesLaw Office of Michael J. Scott, PCMonarch Recovery Holdings, Inc.COMMUNITY CHOICE FINANCIAL, INC.OPORTUN FINANCIAL CORPORATIONThaxton Investment CorporationRS Clark and Associates, Inc.American Credit Acceptance, LLCCollection Bureau of the Hudson Valley, Inc.
Source: CFPB Consumer Complaint Database

CarMax, Inc.'s complaint volume in context

CarMax, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

557 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. CarMax, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against CarMax, Inc.

Across 40 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.