What is the most common complaint against CARS Acquisition, LLC?

The most common issue consumers report about CARS Acquisition, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 28 complaints filed with the CFPB.

Are complaints against CARS Acquisition, LLC increasing or decreasing?

Complaints against CARS Acquisition, LLC are rising. The company received 10 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is CARS Acquisition, LLC's reputation grade?

CARS Acquisition, LLC has a reputation grade of B (score: 67.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CARS Acquisition, LLC respond to consumer complaints?

CARS Acquisition, LLC has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does CARS Acquisition, LLC operate?

CARS Acquisition, LLC has received CFPB complaints from consumers in 11 states, with the most complaints from South Carolina (7 complaints).

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

CARS Acquisition, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

12
Took or threatened to take negative or legal action

7
Written notification about debt

4
False statements or representation

1
Communication tactics

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record cars-acquisition-llc CARS Acquisition, LLC

Grade B · 28 CFPB filings · 95% timely · lead issue: Attempts to collect debt not owed · vol #1585 · compose #1560

VOL 28
GRADE B
12MO 10
STATES 11
TIMELY 95%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,585
COMPOSE #1,560

Volume peers

Nearest volume peer: Access Capital Services, Inc. (28 complaints)

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

CARS Acquisition, LLC's 28 CFPB complaints sit next to Access Capital Services, Inc. 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 →

Steady monthly series

South Carolina is the plurality state for CARS Acquisition, LLC (25.0%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state: South Carolina 25.0%; Mid-band (15–30%) · 11 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2020-10 at 6.7% (2 filings)
Corpus ranks: #1,585 volume; #1,560 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does CARS Acquisition, LLC compare to its peers?

How does CARS Acquisition, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CARS Acquisition, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

95%

68%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-10 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	12
Took or threatened to take negative or legal action	7
Written notification about debt	4
False statements or representation	1
Communication tactics	1
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1

Where do complaints against CARS Acquisition, LLC come from?

CARS Acquisition, LLC's own per-state count, not a national baseline.

South Carolina

7
Georgia

4
Texas

4
Arizona

2
Florida

2
Louisiana

2
Nevada

2
North Carolina

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CARS Acquisition, LLC: 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: 28.

4 peers

Know your rights before responding to CARS Acquisition, LLC: 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.