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 2026-05-15

518
Total complaints
214
Last 12 months
99.8%
Timely response
29
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, Americas Car-Mart, Inc. has accumulated 518 complaints, placing it #499 by volume. Its on-time response rate is 99.8%, ahead of the 93% median among companies with 100+ complaints.

#499
of 3,848 companies by volume
99.8%
answered on time
Vehicle loan or lease
most-complained product
29
states with complaints
Americas Car-Mart, Inc. timely response rate 99.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Vehicle loan or lease - Loan 160
Credit reporting or other personal consumer reports - Credit reporting 139
Debt collection - Auto debt 76
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 42
Vehicle loan or lease - Lease 38
Debt collection - I do not know 36
Consumer Loan - Vehicle loan 11
Credit reporting or other personal consumer reports - Other personal consumer report 7
Credit card - General-purpose credit card or charge card 2
Debt collection - Other debt 2

Top Issues

1.Incorrect information on your report 96
2.Repossession 81
3.Problem with a company's investigation into an existing problem 50
4.Improper use of your report 43
5.Managing the loan or lease 41
6.Written notification about debt 28
7.Struggling to pay your loan 27
8.Took or threatened to take negative or legal action 26
9.False statements or representation 25
10.Attempts to collect debt not owed 24

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
2026 57

Complaints by State (Top 15)

Arkansas 91
Georgia 77
Texas 56
Alabama 50
Oklahoma 37
Tennessee 35
Mississippi 33
Missouri 33
Kentucky 24
Florida 15
Illinois 12
Kansas 9
Colorado 5
Iowa 5
Nevada 4

Company Responses

Closed with explanation 513
In progress 3
Closed with non-monetary relief 2

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. answers 99.8% of 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 in 7.7% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.