Auto lender · complaint record
CARS Acquisition complaints
Filed under CARS Acquisition, LLC
Consumers have filed 143 complaints about CARS Acquisition since 2015, 34 of them in the last 12 months (+13% on the year before). It answered 97.1% on time and closed 32% with relief for the customer - more often than a typical auto lender. The most common problem is incorrect information on your report. It is the 23rd most complained-about of 193 auto lenders this year.
Strong response record. How it works
- Complaints on record
- 143
- Last 12 months
- 34
- Answered on time
- 97.1%
- Closed with relief
- 32%
- Last 30 days
- 0
- Rank
- #23 of 193
Since August 2015
+13% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Sep 16, 2026
Most complained-about auto lenders
CARS Acquisition complaints by month
The busiest month was August 2025 (8 complaints). Complaints in the last 12 months are up 13% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How CARS Acquisition answered last 12 months
- Closed with monetary relief12.9%
- Closed with non-monetary relief1029.4%
- Closed with explanation2367.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time32/4597.1% on time
- Relief for customers40/4032.4% closed with relief
- Complaint trend9/15+13% vs last year
What CARS Acquisition complaints are about
Top CARS Acquisition problems
Inside "Incorrect information on your report"
- Account information incorrect 13
- Information belongs to someone else 13
- Account status incorrect 10
- Information is missing that should be on the report 2
- Old information reappears or never goes away 1
Where CARS Acquisition complaints come from
Most complaints: Florida (22), Texas (20), South Carolina (13), Georgia (13), North Carolina (11).
CARS Acquisition compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Premier Auto CreditAuto loans & leases | 48 | 43 | D |
| 2 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 3 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 4 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 5 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 6 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 7 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 8 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
Compare side by side: CARS Acquisition vs Premier Auto Credit · CARS Acquisition vs The Savings Group · CARS Acquisition vs AC AutoPay LLC, Denver, CO Branch · CARS Acquisition vs EA Holdings
What people say about CARS Acquisition
All experiencesNo experiences with CARS Acquisition yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest CARS Acquisition complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 16, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| Aug 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 13, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 12, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Money back |
| Aug 3, 2026 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| Jul 31, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Jul 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 15, 2026 | Auto loans & leases | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Jun 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Jun 23, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Fixed |
| Jun 10, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Jun 9, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
Questions about CARS Acquisition
How many complaints does CARS Acquisition have?
CARS Acquisition has 143 complaints on record since August 2015, including 34 in the last 12 months and 0 in the last 30 days. That makes it number 835 of every company by complaints this year.
Does CARS Acquisition respond to complaints?
Yes. CARS Acquisition answered 97.1% of its complaints on time (within 15 days) and closed 32% with relief - money back or a fix; 2.9% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 81/100 (grade A).
What do people complain about most with CARS Acquisition?
The most common problems are incorrect information on your report (39), attempts to collect debt not owed (14), took or threatened to take negative or legal action (8).
Is CARS Acquisition legit?
CARS Acquisition is a real company with a public complaint record: consumers have complained about it 143 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is CARS Acquisition legit? for the signals, red flags and how to protect yourself.
Are complaints about CARS Acquisition going up or down?
Up. There were 34 complaints in the last 12 months against 30 in the 12 before (+13%). See every month.
How do I file a complaint against CARS Acquisition?
Complain to CARS Acquisition 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 CARS Acquisition complaints come from?
Most come from Florida (22), Texas (20), South Carolina (13). 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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