What is the most common complaint against Cars America Inc.?

The most common issue consumers report about Cars America Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 18 complaints filed with the CFPB.

Are complaints against Cars America Inc. increasing or decreasing?

Complaints against Cars America Inc. are rising. The company received 16 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Cars America Inc.'s reputation grade?

Cars America Inc. has a reputation grade of F (score: 23.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Cars America Inc. respond to consumer complaints?

Cars America Inc. has a 0% timely response rate to CFPB complaints.

In how many states does Cars America Inc. operate?

Cars America Inc. has received CFPB complaints from consumers in 10 states, with the most complaints from Georgia (4 complaints).

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

Cars America Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

15
Attempts to collect debt not owed

2
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record cars-america-inc Cars America Inc.

Grade F · 18 CFPB filings · 0% timely · lead issue: Took or threatened to take negative or legal action · vol #1970 · compose #5259

VOL 18
GRADE F
12MO 16
STATES 10
TIMELY 0%
ISSUE Took or threatened to take…
RANK #1,970
COMPOSE #5,259

Volume peers

Nearest volume peer: Ameris Bancorp (18 complaints)

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

Cars America Inc.'s 18 CFPB complaints sit next to Ameris Bancorp 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 →

Filing geometry

Georgia is the plurality state for Cars America Inc. (22.2%)

Volume rank #1,970 and composite rank #5,259 diverge by 3,289 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Georgia 22.2%; Mid-band (15–30%) · 10 states with ≥1 filing
Seasonal peak: 2021-07 11.8%; 8–15% band · 2 filings
Divergent corpus ranks: #1,970 volume; #5,259 composite; Cleanest-composite ladder is 3,289 places worse than volume

How does Cars America Inc. compare to its peers?

How does Cars America 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

Cars America Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-07 2024-12

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	15
Attempts to collect debt not owed	2
False statements or representation	1

Where do complaints against Cars America Inc. come from?

Cars America Inc.'s own per-state count, not a national baseline.

Georgia

4
North Carolina

3
Florida

2
Ohio

2
Pennsylvania

2
California

1
Maryland

1
Missouri

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Cars America 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: 18.

4 peers

Know your rights before responding to Cars America 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.