CFPB · Narrative-heavy record
Cactus Jacks Auto Sales
45 CFPB complaints · 42.2% with narratives · top issue Took or threatened to take negative or legal action.
Cactus Jacks Auto Sales: 42.2% of 45 filings include consumer narratives. Timely 97.8% · relief 2.2% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +233.3% filings 2019 to 2026
CFPB relief outcome brief
CCDB company cactus-jacks-auto-sales
2.2% relief · 97.8% timely · 45 filings · Debt collection
Same-product relief peers
Nearest relief peer: Asset Recovery Solutions, LLC (2.2% relief)
Cactus Jacks Auto Sales closes 2.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Cactus Jacks Auto Sales's 45 filings include narrative text
42.2% 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.
Cactus Jacks Auto Sales complaint mix by product
- Debt collection 20 44.4% – 0% relief
- Credit reporting 13 28.9% – 0% relief
- Vehicle loan 11 24.4% – 9% relief
- Credit reporting, 1 2.2% – 0% relief
How Cactus Jacks Auto Sales's 45 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 20 |
| Credit reporting or other personal consumer reports | 13 |
| Vehicle loan or lease | 11 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Cactus Jacks Auto Sales
Top states by attributed CFPB complaint volume for this company
- Leading state
- AZ
- 82.2% of this company's filings
Cactus Jacks Auto Sales rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 10
- +233.3% vs 2019
Top States
| State | Complaints |
|---|---|
| AZ | 37 |
| LA | 1 |
| PA | 1 |
| OH | 1 |
| CA | 1 |
| OK | 1 |
| MI | 1 |
| FL | 1 |
| NE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 8 |
| Incorrect information on your report | 8 |
| Improper use of your report | 6 |
| Repossession | 4 |
| False statements or representation | 4 |
| Managing the loan or lease | 4 |
| Written notification about debt | 3 |
| Attempts to collect debt not owed | 3 |
| Communication tactics | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Problems at the end of the loan or lease | 1 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 3 | 100% |
| 2020 | 1 | 100% |
| 2021 | 3 | 66.7% |
| 2022 | 1 | 100% |
| 2024 | 9 | 100% |
| 2025 | 18 | 100% |
| 2026 | 10 | 100% |
Source: CFPB Consumer Complaint Database
Cactus Jacks Auto Sales's narrative-rich complaint ledger
Cactus Jacks Auto Sales's 45 logged complaints stay concentrated: only 9 states show a filing. 42.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2019 through 2026-06-23.
Cactus Jacks Auto Sales answers 97.8% of complaints inside the CFPB's tracked window and closes 97.8% with a written explanation. 2.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Took or threatened to take negative or legal action."
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 Cactus Jacks Auto Sales.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cactus Jacks Auto Sales: 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: 45.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.8%.
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 Cactus Jacks Auto Sales (97.8% timely; 2.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record