Debt collector · complaint record
Carchoice of Memphis complaints
Filed under Carchoice of Memphis, Inc.
Consumers have filed 5 complaints about Carchoice of Memphis since 2024, 1 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 5
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,510 of 1,963
Since February 2024
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 16, 2026
Most complained-about debt collectors
Carchoice of Memphis complaints by month
The busiest month was February 2024 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Carchoice of Memphis answered all time
- Closed with explanation480%
- Untimely response120%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Carchoice of Memphis complaints are about
Top Carchoice of Memphis problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 1
Carchoice of Memphis compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Carchoice of MemphisDebt collection | - | 1 | - |
Compare side by side: Carchoice of Memphis vs Green Square · Carchoice of Memphis vs EMoneyUSA · Carchoice of Memphis vs Mullooly Jeffrey Rooney & Flynn · Carchoice of Memphis vs Credit World Services
What people say about Carchoice of Memphis
All experiencesNo experiences with Carchoice of Memphis yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Carchoice of Memphis complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Sep 22, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 26, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 17, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 1, 2024 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
Questions about Carchoice of Memphis
How many complaints does Carchoice of Memphis have?
Carchoice of Memphis has 5 complaints on record since February 2024, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Carchoice of Memphis respond to complaints?
Yes. Carchoice of Memphis answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Carchoice of Memphis?
The most common problems are attempts to collect debt not owed (1), repossession (1), incorrect information on your report (1).
Is Carchoice of Memphis legit?
Carchoice of Memphis is a real company with a public complaint record: consumers have complained about it 5 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Carchoice of Memphis legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Carchoice of Memphis?
Complain to Carchoice of Memphis in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Carchoice of Memphis complaints come from?
Most come from Tennessee (4), Mississippi (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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