Carchoice of Memphis, Inc.
4 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Carchoice of Memphis, Inc. complaint mix by product
- Credit reporting 2 50.0% – 0% relief
- Vehicle loan 1 25.0% – 0% relief
- Debt collection 1 25.0% – 0% relief
How Carchoice of Memphis, Inc.'s 4 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 2 |
| Vehicle loan or lease | 1 |
| Debt collection | 1 |
Top States
| State | Complaints |
|---|---|
| TN | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Repossession | 1 |
| Improper use of your report | 1 |
| False statements or representation | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 1 | 100% |
| 2025 | 3 | 33.3% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Carchoice of Memphis, Inc.
Carchoice of Memphis, Inc.'s 4 logged complaints stay concentrated: only 1 state shows a filing on record. 50% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2024 through 2025-09-22.
Carchoice of Memphis, Inc. answers 50% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Repossession."
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 Carchoice of Memphis, Inc..
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 Carchoice of Memphis, Inc. have?
4, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Carchoice of Memphis, Inc. respond to complaints on time?
50% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Carchoice of Memphis, Inc.?
"Repossession", filed under the "Credit reporting or other personal consumer reports" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.