Total CFPB complaints
495
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 495 complaints
CarMax, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CarMax, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
197 complaints
- Took or threatened to take negative or legal action 76
Took or threatened to take negative or legal action
76 complaints
- Written notification about debt 67
Written notification about debt
67 complaints
- False statements or representation 53
False statements or representation
53 complaints
- Communication tactics 41
Communication tactics
41 complaints
C
Grade C · 60.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about CarMax, Inc.?
CarMax, Inc. has accumulated 495 total CFPB complaints across 39 states, with 151 filed in the most recent 12 months against 344 historical complaints before that window. The trailing-12-month volume represents 30.5% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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 against a 7% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 39 states, led by Georgia with 85 and Texas with 68, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.2/100 places CarMax, Inc. 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
151
30.5% of total history
Rising ↑
States active
39
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
7%
After company response
Reputation grade
C
60.2/100 composite
Response-quality profile
How CarMax, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 13.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does CarMax, Inc. compare to its peers?
CarMax, Inc. 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed197 (%)
False statements or representation53 (%)
Took or threatened to take negative or legal action76 (%)
Written notification about debt67 (%)
Communication tactics41 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 91 |
| Attempts to collect debt not owed | Debt was result of identity theft | 58 |
| False statements or representation | Attempted to collect wrong amount | 53 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 49 |
| Attempts to collect debt not owed | Debt was paid | 48 |
| Written notification about debt | Didn't receive enough information to verify debt | 45 |
| Communication tactics | Frequent or repeated calls | 29 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 27 |
| Written notification about debt | Didn't receive notice of right to dispute | 22 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 12 |
Where do complaints against CarMax, Inc. come from?
The states where consumers have filed the most CFPB complaints against CarMax, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CarMax, Inc.
Across 39 states with at least one filing
- Georgia
Georgia
85 complaints
- Texas
Texas
68 complaints
- California
California
52 complaints
- Florida
Florida
43 complaints
- North Carolina 30
North Carolina
30 complaints
- Illinois 24
Illinois
24 complaints
- South Carolina 21
South Carolina
21 complaints
- Maryland 18
Maryland
18 complaints
Frequently Asked Questions
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 495 complaints filed with the CFPB.
Are complaints against CarMax, Inc. increasing or decreasing? ▼
Complaints against CarMax, Inc. are rising. The company received 151 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: 60.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 39 states, with the most complaints from Georgia (85 complaints).
What can I do if CarMax, Inc. 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 CarMax, Inc. 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 |