Debt collection
CarMax debt collection complaints
Consumers have filed 618 complaints about CarMax's debt collection, 168 in the last 12 months (+8%). CarMax answered 100% on time and closed 1% with relief. See the whole CarMax record.
CarMax against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | CarMax | 168 | 100% | 1% |
Latest CarMax debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Apr 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 15, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Apr 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 6, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 2, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Apr 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 31, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 16, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 16, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 13, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Mar 11, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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