Vehicle loans and leases
CarMax: 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
- 172
- Closed with money back
- 2%
- 2023 to 2025
- 48 to 83
Servicemembers filed 8.1% of CarMax's 2,133 complaints in the window, against 2.5% across the directory. The complaints are mostly about vehicle loan or lease, and the single most common issue is "Incorrect information on your report". 2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 48 in 2023 to 83 in 2025.
What the complaints are about
By product
| Vehicle loan or lease | 78 |
| Credit reporting or other personal consumer reports | 56 |
| Debt collection | 27 |
| Credit reporting, credit repair services, or other personal consumer reports | 11 |
By issue
| Incorrect information on your report | 40 |
| Managing the loan or lease | 23 |
| Improper use of your report | 22 |
| Repossession | 16 |
| Problem with a company's investigation into an existing problem | 15 |
| 2023: 48 | 2024: 41 | 2025: 83 |
Which accounts, specifically
| Loan | 75 |
| Credit reporting | 69 |
| Auto debt | 23 |
| Lease | 6 |
| I do not know | 4 |
What went wrong, specifically
| Reporting company used your report improperly | 19 |
| Information belongs to someone else | 15 |
| Their investigation did not fix an error on your report | 13 |
| Account information incorrect | 12 |
| Billing problem | 12 |
Busiest month: July 2025, with 10 servicemember complaints. Most were submitted by web.
Most complaints came from TX (22), GA (21), FL (18) , then CA, VA, AL.
How CarMax answered
| Closed with explanation | 161 | 94% |
| Closed with non-monetary relief | 7 | 4% |
| Closed with monetary relief | 4 | 2% |
CarMax responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). 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. MS, 2024-08-30. Outcome: Closed with explanation. Complaint 9961474
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Vehicle loan or lease; Problems at the end of the loan or lease. NY, 2024-08-26. Outcome: Closed with explanation. Complaint 9927397
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Vehicle loan or lease; Getting a loan or lease. GA, 2024-08-23. Outcome: Closed with explanation. Complaint 9904033
If this is your problem at CarMax
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
- American Credit Acceptance 170 servicemember complaints; 1% with money back
- Nissan Motor Acceptance 141 servicemember complaints; 0% with money back
- American Honda Finance 120 servicemember complaints; 0% with money back
- Mercedes Benz Financial Services 109 servicemember complaints; 0% with money back
- Toyota Financial Services 275 servicemember complaints; 4% with money back
Frequently asked questions
How many complaints did servicemembers file against CarMax?
172 complaints tagged servicemember were received by the CFPB about CarMax, 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 48 in 2023 to 83 in 2025.
What do servicemembers complain about most at CarMax?
Vehicle loan or lease accounts for 78 of the 172 complaints, and the most common issue is "Incorrect information on your report" (40). Next: "Managing the loan or lease" (23).
Does CarMax give money back when a servicemember complains?
2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 7 closed with non-monetary relief and 161 closed with an explanation only. CarMax 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.