CFPB Consumer Complaint Profile
Americas Car-Mart, Inc.
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 518
- Total complaints
- Above average
- 214
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 29
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Americas Car-Mart, Inc. places #498 by volume. Its on-time response record is at the 79th percentile among companies with 100+ complaints.
- Vehicle loan or lease
- most-complained product
- AR
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Americas Car-Mart, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 93 in 2024 to 201 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 2 |
| 2015 | 2 |
| 2016 | 8 |
| 2017 | 7 |
| 2018 | 20 |
| 2019 | 12 |
| 2020 | 14 |
| 2021 | 14 |
| 2022 | 43 |
| 2023 | 45 |
| 2024 | 93 |
| 2025 | 201 |
| 2026year in progress | 57 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Americas Car-Mart, Inc.
Americas Car-Mart, Inc. draws a multi-regional spread of CFPB complaints, filed by consumers in many parts of the country. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Americas Car-Mart, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (7.7% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Americas Car-Mart, Inc. have?
Americas Car-Mart, Inc. has 518 total consumer complaints filed with the CFPB, with 214 filed in the last 12 months.
Does Americas Car-Mart, Inc. respond to complaints on time?
Americas Car-Mart, Inc. has a 99.8% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Americas Car-Mart, Inc.?
The most complained-about product for Americas Car-Mart, Inc. is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Americas Car-Mart, Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Americas Car-Mart, Inc. - see all issues and counts above.
How do I file a complaint against Americas Car-Mart, Inc.?
You can file a complaint against Americas Car-Mart, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Americas Car-Mart, Inc.?
The CFPB has recorded complaints against Americas Car-Mart, Inc. from 29 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.