Vehicle loans and leases
Americas Car-Mart: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 31
- Closed with money back
- 0
- 2023 to 2025
- 7 to 15
Americas Car-Mart received 339 complaints from everyone in the window; 31 carried the servicemember tag. The complaints are mostly about vehicle loan or lease, and the single most common issue is "Incorrect information on your report". 0 of the 31 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 7 in 2023 to 15 in 2025.
What the complaints are about
By product
| Vehicle loan or lease | 11 |
| Credit reporting or other personal consumer reports | 10 |
| Debt collection | 8 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
By issue
| Incorrect information on your report | 6 |
| Repossession | 5 |
| Problem with a company's investigation into an existing problem | 4 |
| Written notification about debt | 4 |
| Credit monitoring or identity theft protection services | 2 |
| 2023: 7 | 2024: 9 | 2025: 15 |
Which accounts, specifically
| Credit reporting | 13 |
| Loan | 9 |
| Auto debt | 7 |
| Lease | 2 |
| I do not know | 1 |
What went wrong, specifically
| Account information incorrect | 4 |
| Account status incorrect | 3 |
| Problem with additional products or services purchased with the loan | 2 |
| Investigation took more than 30 days | 2 |
| Didn't receive notice of right to dispute | 2 |
Busiest month: July 2024, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from GA (8), TX (7), AR (5) , then AL, FL, MN.
How Americas Car-Mart answered
| Closed with explanation | 31 |
Americas Car-Mart responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (28). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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""
Credit reporting or other personal consumer reports; Improper use of your report. FL, 2024-08-11. Outcome: Closed with explanation. Complaint 9802531
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Debt collection; Written notification about debt. GA, 2024-07-15. Outcome: Closed with explanation. Complaint 9516589
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Debt collection; Written notification about debt. GA, 2024-07-15. Outcome: Closed with explanation. Complaint 9516548
If this is your problem at Americas Car-Mart
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with vehicle loans and leases peers
- Tesla 33 servicemember complaints; 0 with money back
- DriveTime 27 servicemember complaints; 0 with money back
- Cig Financial 26 servicemember complaints; 0 with money back
- Driveway Finance 37 servicemember complaints; 0 with money back
- Byrider Franchising 40 servicemember complaints; 0 with money back
Next in the directory by volume: Credit Card Acquisitions, First Technology Federal Credit Union, Mercury Financial.
Frequently asked questions
How many complaints did servicemembers file against Americas Car-Mart?
31 complaints tagged servicemember were received by the CFPB about Americas Car-Mart, Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 7 in 2023 to 15 in 2025.
What do servicemembers complain about most at Americas Car-Mart?
Vehicle loan or lease accounts for 11 of the 31 complaints, and the most common issue is "Incorrect information on your report" (6). Next: "Repossession" (5).
Does Americas Car-Mart give money back when a servicemember complains?
0 of the 31 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 31 closed with an explanation only. Americas Car-Mart answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.