Total complaints
33
Filed since 2019
2026 data Public-data reference. official source
Cactus Jacks Auto Sales
33 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
33 consumer complaints filed with the CFPB
This profile shows Cactus Jacks Auto Sales's complaint history from CFPB public records. 33 consumers have filed complaints since 2019. The company has a 97% timely response rate and has provided relief in 3% of cases.
33
Total Complaints
97%
Timely Response
0%
Disputed
3%
Relief Provided
7
States Active
2019
Since
Timely response
97%
CFPB-tracked response window
Relief rate
3%
Closed with monetary or non-monetary relief
Timely response rate 97.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 3.0%
Industry median
Share closed with monetary or non-monetary relief.
Cactus Jacks Auto Sales complaint mix by product
- Debt collection 14 42.4% – 0% relief
- Vehicle loan 11 33.3% – 9% relief
- Credit reporting 8 24.2% – 0% relief
How Cactus Jacks Auto Sales's 33 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 14 |
| Vehicle loan or lease | 11 |
| Credit reporting or other personal consumer reports | 8 |
Top States
| State | Complaints |
|---|---|
| AZ | 27 |
| NE | 1 |
| OK | 1 |
| MI | 1 |
| PA | 1 |
| LA | 1 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 6 |
| Incorrect information on your report | 5 |
| Repossession | 4 |
| Managing the loan or lease | 4 |
| Improper use of your report | 3 |
| Written notification about debt | 2 |
| Attempts to collect debt not owed | 2 |
| Communication tactics | 2 |
| False statements or representation | 2 |
| Problems at the end of the loan or lease | 1 |
| Struggling to pay your loan | 1 |
| Problem with a company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 3 | 100% |
| 2020 | 1 | 100% |
| 2021 | 2 | 50% |
| 2022 | 1 | 100% |
| 2024 | 8 | 100% |
| 2025 | 13 | 100% |
| 2026 | 5 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Cactus Jacks Auto Sales
Cactus Jacks Auto Sales has accumulated 33 consumer complaints in the CFPB public database, with filings active across 7 U.S. states. Of those submissions, 12 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2019, and the most recent logged activity is 2026-04-08, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Cactus Jacks Auto Sales reports a 97% timely-response rate and has closed 97% of cases with a written explanation to the consumer. 3% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Took or threatened to take negative or legal action".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Cactus Jacks Auto Sales: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does Cactus Jacks Auto Sales have?
Cactus Jacks Auto Sales has received 33 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Cactus Jacks Auto Sales respond to complaints on time?
Cactus Jacks Auto Sales has a 97% timely response rate to CFPB complaints.
What is the most common complaint about Cactus Jacks Auto Sales?
The most common issue reported against Cactus Jacks Auto Sales is "Took or threatened to take negative or legal action" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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