CFPB · Narrative-heavy record
Americas Car-Mart, Inc.
587 CFPB complaints · 48.2% with narratives · top issue Incorrect information on your report.
Americas Car-Mart, Inc.: 48.2% of 587 filings include consumer narratives. Timely 99.8% · relief 0.3% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- +6200% filings 2014 to 2026
CFPB relief outcome brief
CCDB company americas-car-mart-inc
0.3% relief · 99.8% timely · 587 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Byrider Franchising, LLC (0.3% relief)
Americas Car-Mart, Inc. closes 0.3% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Americas Car-Mart, Inc.'s 587 filings include narrative text
48.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Americas Car-Mart, Inc. complaint mix by product
- Vehicle loan 222 37.9% – 0% relief
- Credit reporting 171 29.2% – 0% relief
- Debt collection 134 22.9% – 0% relief
- Credit reporting, 42 7.2% – 0% relief
- Consumer Loan 12 2.1% – 17% relief
- Credit card 2 0.3% – 0% relief
- Debt or 2 0.3% – 0% relief
How Americas Car-Mart, Inc.'s 587 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 222 |
| Credit reporting or other personal consumer reports | 171 |
| Debt collection | 134 |
| Credit reporting, credit repair services, or other personal consumer reports | 42 |
| Consumer Loan | 12 |
| Credit card | 2 |
| Debt or credit management | 2 |
| Money transfer, virtual currency, or money service | 1 |
| Payday loan, title loan, or personal loan | 1 |
Where Americas Car-Mart, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- AR
- 18.6% of this company's filings
Americas Car-Mart, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 126
- +6200% vs 2014
Top States
| State | Complaints |
|---|---|
| AR | 109 |
| GA | 89 |
| TX | 65 |
| AL | 54 |
| OK | 44 |
| TN | 39 |
| MS | 36 |
| MO | 35 |
| KY | 26 |
| FL | 16 |
| IL | 14 |
| KS | 9 |
| IA | 5 |
| CO | 5 |
| NV | 4 |
| IN | 4 |
| MN | 3 |
| LA | 3 |
| VA | 3 |
| CA | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 118 |
| Repossession | 95 |
| Problem with a company's investigation into an existing problem | 56 |
| Managing the loan or lease | 46 |
| Improper use of your report | 44 |
| Took or threatened to take negative or legal action | 38 |
| False statements or representation | 29 |
| Written notification about debt | 28 |
| Struggling to pay your loan | 27 |
| Attempts to collect debt not owed | 26 |
| Getting a loan or lease | 20 |
| Problem with a credit reporting company's investigation into an existing problem | 14 |
| Problems at the end of the loan or lease | 14 |
| Communication tactics | 11 |
| Credit monitoring or identity theft protection services | 6 |
| Taking out the loan or lease | 4 |
| Problem when making payments | 2 |
| Didn't provide services promised | 2 |
| Problems when you are unable to pay | 2 |
| Unable to get your credit report or credit score | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 100% |
| 2015 | 2 | 100% |
| 2016 | 8 | 100% |
| 2017 | 7 | 100% |
| 2018 | 20 | 100% |
| 2019 | 12 | 100% |
| 2020 | 14 | 100% |
| 2021 | 14 | 100% |
| 2022 | 43 | 100% |
| 2023 | 45 | 100% |
| 2024 | 93 | 100% |
| 2025 | 201 | 99.5% |
| 2026 | 126 | 100% |
Source: CFPB Consumer Complaint Database
Americas Car-Mart, Inc.'s narrative-rich complaint ledger
Americas Car-Mart, Inc.'s 587 logged complaints stay concentrated: only 32 states show a filing. 48.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-26.
Americas Car-Mart, Inc. answers 99.8% of complaints inside the CFPB's tracked window and closes 99.1% with a written explanation. 0.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Americas Car-Mart, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Americas Car-Mart, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 587.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.8%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Americas Car-Mart, Inc. (99.8% timely; 0.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record