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 |
|---|---|---|---|
| Oct 24, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 23, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 23, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 17, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 16, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 15, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 15, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 13, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 7, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 30, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 30, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 28, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 27, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 25, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 24, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Sep 23, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 22, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 15, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 13, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 12, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Sep 4, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 29, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 28, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 28, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 27, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 23, 2025 | 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
Talk about CarMax
No comments yet. Start the conversation - questions are welcome too.