Americas Car-Mart, Inc. Consumer Complaints
Americas Car-Mart, Inc. has received 528 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 528 total complaints on file with the CFPB.
- Most complaints are about Vehicle loan or lease (200).
- Timely response rate: 99.8%.
- Consumer disputed rate: 7.7% of resolved complaints.
Complaints by Product
The following table shows how complaints against Americas Car-Mart, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Vehicle loan or lease | 200 | 37.9% |
| Credit reporting or other personal consumer reports | 151 | 28.6% |
| Debt collection | 118 | 22.3% |
| Credit reporting, credit repair services, or other personal consumer reports | 42 | 8.0% |
| Consumer Loan | 12 | 2.3% |
| Credit card | 2 | 0.4% |
| Debt or credit management | 1 | 0.2% |
| Money transfer, virtual currency, or money service | 1 | 0.2% |
| Payday loan, title loan, or personal loan | 1 | 0.2% |
Most Common Issues
These are the specific issues consumers most frequently report about Americas Car-Mart, Inc..
Company Response Breakdown
When consumers file complaints, Americas Car-Mart, Inc. responds in one of several ways. The breakdown below shows how Americas Car-Mart, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 524 | 99.2% |
| Closed with non-monetary relief | 2 | 0.4% |
| In progress | 2 | 0.4% |
Complaints by State
Top states where consumers have filed complaints against Americas Car-Mart, Inc..
| State | Complaints |
|---|---|
| Arkansas | 96 |
| Georgia | 78 |
| Texas | 56 |
| Alabama | 51 |
| Oklahoma | 39 |
| Tennessee | 35 |
| Missouri | 33 |
| Mississippi | 33 |
| Kentucky | 24 |
| Florida | 15 |
| Illinois | 12 |
| Kansas | 9 |
| Colorado | 5 |
| Iowa | 5 |
| Indiana | 4 |
| Nevada | 4 |
| Louisiana | 3 |
| Minnesota | 3 |
| Virginia | 3 |
| California | 2 |
Your Rights
What to do if you have a complaint against Americas Car-Mart, Inc.
- Contact Americas Car-Mart, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
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How many complaints does Americas Car-Mart, Inc. have?
Americas Car-Mart, Inc. has 528 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Americas Car-Mart, Inc.?
The most common issue reported is Incorrect information on your report with 99 complaints.
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How do I file a complaint against Americas Car-Mart, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Americas Car-Mart, Inc. respond to complaints on time?
Americas Car-Mart, Inc. has a 99.8% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.