Total CFPB complaints
21
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 21 complaints
CARS Acquisition, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CARS Acquisition, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Written notification about debt
Written notification about debt
3 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
B
Grade B · 71.7/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about CARS Acquisition, LLC?
CARS Acquisition, LLC has accumulated 21 total CFPB complaints across 11 states, with 3 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 14.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 95% timely-response rate against a 0% 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 11 states, led by South Carolina with 4 and Texas with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 71.7/100 places CARS Acquisition, LLC in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
14.3% of total history
Falling ↓
States active
11
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
71.7/100 composite
Response-quality profile
How CARS Acquisition, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does CARS Acquisition, LLC compare to its peers?
CARS Acquisition, LLC 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)
2015-08 2026-01
Top Consumer Issues
Attempts to collect debt not owed7 (%)
Took or threatened to take negative or legal action4 (%)
Written notification about debt3 (%)
Disclosure verification of debt1 (%)
False statements or representation1 (%)
Communication tactics1 (%)
Cont'd attempts collect debt not owed1 (%)
Threatened to contact someone or share information improperly1 (%)
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 | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
Where do complaints against CARS Acquisition, LLC come from?
The states where consumers have filed the most CFPB complaints against CARS Acquisition, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CARS Acquisition, LLC
Across 11 states with at least one filing
- South Carolina
South Carolina
4 complaints
- Texas
Texas
3 complaints
- Georgia
Georgia
3 complaints
- Louisiana
Louisiana
2 complaints
- Nevada
Nevada
2 complaints
- Florida
Florida
2 complaints
- California 1
California
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
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 21 complaints filed with the CFPB.
Are complaints against CARS Acquisition, LLC increasing or decreasing? ▼
Complaints against CARS Acquisition, LLC are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.
What is CARS Acquisition, LLC's reputation grade? ▼
CARS Acquisition, LLC has a reputation grade of B (score: 71.7/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 (4 complaints).
What can I do if CARS Acquisition, LLC 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 CARS Acquisition, LLC 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 |