What is the most common complaint against CJA Auto Sales, Inc.?

The most common issue consumers report about CJA Auto Sales, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 7 complaints filed with the CFPB.

Are complaints against CJA Auto Sales, Inc. increasing or decreasing?

Complaints against CJA Auto Sales, Inc. are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is CJA Auto Sales, Inc.'s reputation grade?

CJA Auto Sales, Inc. has a reputation grade of D (score: 52.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CJA Auto Sales, Inc. respond to consumer complaints?

CJA Auto Sales, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 100% of cases.

In how many states does CJA Auto Sales, Inc. operate?

CJA Auto Sales, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Arizona (6 complaints).

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

CJA Auto Sales, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Compiled by PlainCollector

Took or threatened to take negative or legal action

3
Attempts to collect debt not owed

2
False statements or representation

1
Taking/threatening an illegal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record cja-auto-sales-inc CJA Auto Sales, Inc.

Grade D · 7 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #2795 · compose #3795

VOL 7
GRADE D
12MO 4
STATES 2
TIMELY 100%
DISPUTE 100%
ISSUE Took or threatened to take…
RANK #2,795
COMPOSE #3,795

Volume peers

Nearest volume peer: Account Services Inc. (7 complaints)

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

CJA Auto Sales, Inc.'s 7 CFPB complaints sit next to Account 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 →

State-heavy filing map

85.7% of CJA Auto Sales, Inc.'s CFPB filings land in Arizona

High volume does not equal a clean composite: CJA Auto Sales, Inc. is volume #2,795 but composite #3,795, while Arizona dominates the geography. Corpus placement method.

Dominant state: Arizona 85.7%; 6 of 7 filings · 2 states touched
Seasonal peak: 2016-08 10.3%; 8–15% band · 3 filings
Divergent corpus ranks: #2,795 volume; #3,795 composite; Cleanest-composite ladder is 1,000 places worse than volume

How does CJA Auto Sales, Inc. compare to its peers?

How does CJA Auto Sales, 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

CJA Auto Sales, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

33%

91%

Consumer-dispute ratelower is better

100%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-07 2026-01

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	3
Attempts to collect debt not owed	2
False statements or representation	1
Taking/threatening an illegal action	1

Where do complaints against CJA Auto Sales, Inc. come from?

CJA Auto Sales, Inc.'s own per-state count, not a national baseline.

Arizona

6
Nevada

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CJA Auto Sales, 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: 7.

4 peers

Know your rights before responding to CJA Auto Sales, 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.