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 |
|---|---|---|---|
| Jan 10, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jan 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 8, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Jan 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 31, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 29, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 29, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 22, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 17, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to turn you in to immigration or deport you | Explained |
| Dec 15, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 13, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 11, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 10, 2025 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Dec 1, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 19, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Nov 18, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 15, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Nov 14, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 13, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 13, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 13, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 8, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Nov 6, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 2, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 31, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 28, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 28, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | 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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