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

Data updated July 2026

C

Grade C · 60.2/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: CarMax, Inc. ranks ahead of 43% of the 5,283 collectors PlainCollector grades - 57% keep a cleaner CFPB record, on 557 all-time complaints and a 100% timely-response rate.

43rd pct
reputation rank of 5,283 graded collectors
557
CFPB complaints, all-time
100%
answered inside the CFPB window
170
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about CarMax, Inc.?

CarMax, Inc. has accumulated 557 total CFPB complaints across 40 states, with 170 filed in the most recent 12 months against 387 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". The company posts a 100% timely-response rate against a 7% consumer-dispute-after-response rate.

Complaints have been recorded across 40 states, led by Georgia with 95 and Texas with 76. Normalized against the full CFPB collector database, the reputation score of 60.2/100 places CarMax, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

557

mid-volume (CCDB)

Last 12 months

170

30.5% of all-time complaints

Rising ↑

States active

40

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

7%

low (vertical avg ~19%)

Reputation grade

C

60.2/100 composite

How does CarMax, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

60 43rd percentile higher than 43% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

CarMax, Inc. versus the debt-collection vertical average.

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) 6.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 71.4%

Share of US states + territories with at least one filed complaint against this collector.

How does CarMax, Inc. compare to its peers?

How does CarMax, Inc. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2016-03 2018-05

Issue Detail Breakdown

Issue Sub-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

What to do if CarMax, Inc. contacts you

A grade of C signals how CarMax, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really CarMax, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how CarMax, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 60.2/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.