CFPB Consumer Complaint Profile
Americas Car-Mart, Inc.
518 CFPB complaints 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. has accumulated 518 complaints, placing it #498 by volume. Its on-time response rate is 99.8%, the 79th percentile among companies with 100+ complaints.
- #498
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Vehicle loan or lease
- most-complained product
- 29
- states with complaints
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).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
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. carries 518 complaints in the CFPB's database, 214 of them filed within the past 12 months. Consumers spanning 29 states and territories have weighed in, giving this a multi-regional footprint. "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, Americas Car-Mart, Inc. posts a 99.8% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 7.7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0.4% closed with some form of monetary or non-monetary relief to the consumer.
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.
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.
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.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.