Americas Car-Mart, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/11/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30117
Web
Do to the Fact that Americas Car-Mart does not want to work with me based upon the violations that I have expressed to them By Law, and in this unfortunate economy greatly due to the global pandemic. I hereby investigate the Auto Contract closely and prove through Exhibits, the fraud and violations by way of my Consumer Rights. Under the FDCPA, FCRA, and TILA. Under 28 U.S.C 3002.Definitions ( 15 ) United States means ( A ) a Federal corporation ( B ) an agency, department, commission, board, or other entity of the United States ; or ( C ) an instrumentality of the United States . I acknowledge that I am a Consumer, Natural Person in this Federal Corporation Untied States. Under 15 U.S.C 1692a. I acknowledge that Americas Car Mart is a debt collector and is governed under the ( FDCPA ) Federal Debt Collection Practices Act. Exhibit A. I am Self Employed and have been contacted by Americas Car-Mart numerously at very inconvenient times throughout my day. Under 15 U.S.C 1692c. Communication in connection with debt collection. I acknowledge that I have been violated do to the fact that I am self employed so contacting me at any time of the day is not convenient. Exhibit B. Americas Car-Mart has not only called at inconvenient times, but the phone calls have displayed harassment, and abusive measures towards me. Under 15 U.S.C 1692d - Harassment or abuse. I acknowledge that Americas Car-Mart has harassed me over the phone, threatened me, used obscene, and profane language towards me. Exhibit C. Section Titled GPS DEVICE. Americas Car-Mart through a GPS Device tracks the vehicle and ultimately my whereabouts. I feel totally unsafe knowing that they are doing so and that is an invasion of my Consumer Right to Privacy. Under 15 U.S.C 1681 - Congressional findings and statement of purpose. I acknowledge through documentation from Americas Car-Mart under the auto contract given to me by them. They have infringed and violated in numerous sections of the contract on My Consumers Right to Privacy. Exhibit D. Americas Car-Mart states in multiple ways in which they will share and furnish my personal information to credit bureaus. As a Consumer and Natural Person, I have not given these bureaus of any kind, permission or written permission to have my personal information. And if credit bureaus do not have permission to process my personal information. It is frightening to me that Americas Car-Mart would share my personal information in which neither they nor any credit bureaus has my written permission to have at all. 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Exhibit E. Section Titled Notice Regarding Furnishing Negative Information. A direct quote from that section states. We ( XXXX, XXXX, or XXXX ) may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on you account may be reflected in your credit report. Due to that statement from that section of the auto contract. Americas Car-Mart openly states that they will furnish or willingly give my personal information away weather Positive or Negative. I as a Consumer and Natural Person state that I have never given any permission let alone written permission or consent to furnish my personal information to Anyone or Any Corporation. Under 15 U.S.C 1681 - Congressional findings and statement of purpose. I acknowledge through documentation from Americas Car-Mart under the auto contract given to me by them. They have infringed and violated in numerous sections of the contract on My Consumers Right to Privacy. Exhibit F. Section Titled Privacy Notice. In this section Americas Car-Mart explains what they do with a consumers personal information. A quote from that section states. Financial Companies Choose how they Share your Personal Information. Without my written permission for such sharing practices it Is illegal to share my personal information and a violation to my Consumer Right to Privacy. Under 15 U.S.C 1681 - Congressional findings and statement of purpose. I acknowledge through documentation from Americas Car-Mart under the auto contract given to me by them. They have infringed and violated in numerous sections of the contract on My Consumers Right to Privacy. Exhibit G. Section Titled Privacy Notice. In this section Americas Car-Mart explains what they do with a consumers personal information. A quote from that section states. Federal law gives consumers the right to limit some but not all sharing. As a Consumer and Natural Person, I challenge that statement. Because under Federal Law 15 U.S.C 1681 ( a ) - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It would be a contradiction for Federal Law to give me as a Consumer the Right to Privacy and limit that said Right that is already given to me in its Entirety under the Law. However, in this section Americas Car-Mart has stated that I as a Consumer have Limited rights under Federal Law as it pertains to my personal information and how they choose to share it. Under 15 U.S.C 1681 - Congressional findings and statement of purpose. I acknowledge through documentation from Americas Car-Mart under the auto contract given to me by them. They have infringed and violated in numerous sections of the contract on My Consumers Right to Privacy. Exhibit H. Section Titled Privacy Notice. In this section Americas Car-Mart explains what they do with a consumers personal information. A quote from that section states. The types of personal information we collect and share depend on the product or service you have with us, This information can include : Social Security number and income, account balance and payment history, credit and transaction or loss history. When you are no longer our customer, we continue to share your information as described in this notice. As a Consumer and Natural Person, it frightens me that not only in this section does Americas Car-Mart continue to violate my Consumer Right to Privacy by stating that the information they may share or collect involves my Social Security number, income, and even loss history. But also, what frightens me as a Consumer and Natural Person is that even after discontinuation of me being a customer. Americas Car-Mart stated in this section that they would Continue to share my personal information in which I have Yet to give them Written permission to do. Under 15 U.S.C 1681 - Congressional findings and statement of purpose. I acknowledge through documentation from Americas Car-Mart under the auto contract given to me by them. They have infringed and violated in numerous sections of the contract on My Consumers Right to Privacy. Exhibit I. Americas Car-Mart did not follow the Law and include my insurance in my Finance Charge. Under 15 U.S. Code 1605 - Determination of finance charge. I acknowledge that Americas Car-Mart did Not include insurance in my finance charge and by Law under the Truth In Lending Act that is a violation. Exhibit J. Americas Car-Mart accepted a unlawful down payment cash transaction from me the Consumer. Which is a violation by Laws that govern Americas Car-Mart. 15 U.S. Code 1605 - Determination of finance charge. I acknowledge that Americas Car-Mart is in violation under Law for accepting a down payment cash transaction. ( a ) FINANCE CHARGE DEFINED Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable.
02/17/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • TX
  • 76205
Web Servicemember
XXXX : My name is XXXX XXXX and I am writing to file a complaint and request an investigation of my rights being violated that occurred XXXXXXXX.I understand that this is past the normal 180 days but I am asking for an exemption due to the fact that I was unaware of my rights being infringed upon buy CarMart, possibly XXXX XXXX XXXX XXXX and the towing company the was working with CarMart until XXXX XXXX, XXXX. I found out that my XXXX XXXX XXXX XXXX was missing. I have been turned down for every car and line of credit possible trying to build up my credit so that I can get a car which I hadn't had since my car had been repossessed. I haven't received any correspondence from either dealership. CarMart where I had a XXXX XXXX XXXX XXXX XXXX which I owed about {$18000.00} and I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They were both behind on payments COVID was in full swing and I was also just out of the XXXX fighting my XXXX claim. I was expecting them to come. I called XXXX XXXX XXXX to make arrangements for a voluntary repossession but they would say they would have to call me back but don't. On XXXX XXXXXXXX my daughter was staying the day with me and she came running into the house and said my car was gone. I already knew it was repoed. Somehow I got his phone number and was able to call him. He and his wife brought me my things out the car the next day, which I thought was really nice. I asked him if he just worked for Car Mart or did he work for different companies. He said that he worked for a third party towing company so he could pick up for anyone. Since he was nice enough to bring me my stuff and I knew the receive commission told him about my Harley.I told him were it was and asked him if he would be able to legally return it to the other company and he said yes and he would be able to look up the location to drop it off at so I didn't have to worry about that. I gave him the storage unit place XXXX XXXX XXXX FXXXX XXXX TX, XXXX. I gave him the XXXX XXXX under the impression that he was legally taking the XXXX back to the company and that was his profession or would have not given him the keys. After that I didn't hear anything else from Car Mart. Not how to get my car back, no notice of intent to sell property, no date/time/location/choice on sale, no judgment date to give the right for my day in court to settle if I wanted, no deficiency notice for me the chance to pay it before it went on my credit report. Not only Did they just throw it on my credit report before giving me the right to rectify it but they also put it incorrectly on one stating I still owed around & XXXX. Which violates Texas Administrative Code Title 7, Part 5, Chapter 84, Subchapter H ; where it states the creditor not only have to give the debtor notice 10 days before the sale of the vehicle, they have to let them have have the opportunity to get their vehicle back, and know when, where, and if the sale was done in a commercially manner. Causing this to be considered a wrongful repossession. I wouldn't have known they had done that to me if, because of being denied every time I tried to even get a secured loan I was denied. I called XXXX XXXX XXXX to find out the balance after they told me they would send me a bill when the motorcycle was sold when I called them and told them the bike was on the way. They also haven't sent me any type of correspondence bills, deficiency notice, or nothing. When I called them they said, You are 823 payments behind, are you calling to make a payment today? I told her no because the bike was repossessed almost a year ago. She tells me she will have to call me back but doesn't. I called XXXX which is the licensing agency for towing and the only license a repossession operator is required to have in the State of Texas and was informed that per regulation they have to inform the local police they are going to be working in the area. I called XXXX and XXXX Police to see if I could get the Towing company ; s information because I didn't have it anymore due to not knowing there was an issue. Both Police departments said that they were not informed on or around that date of any repossessions in the area. XXXX police officer incident # XXXX stated that I couldnt file a stolen car report because the bike was no longer my property. That as soon as it went into the custody of the towing possession it became their responsibility not mine. I called car Mart and XXXX XXXX and they both told me that it was my problem not theirs. Car Mart also said that the tow guy wasn't even their normal guy and didn't know who he was and it was definitely not her problem. As of right now XX/XX/XXXX The motorcycle is still missing, possibly stolen by the mystery towing company. That may or may not have a license because the manager hates my ex XXXX fiance and had her friend pick it up faking to be tow guy. I actually had no choice in signing the lease because its coerced debt but the manager didn't care. Violated my rights with a wrongful repossession, unfair credit reporting, and unethical business practices. XXXX XXXX XXXX billed me and had me in collections for almost a year if the towing guy was telling the truth. All over a vehicle they had. They also committed a wrongful repossession because they also didn't send me the notices and offer me the chance to rectify the loan. If XXXX XXXX XXXX was actually in the dark then they need to investigate and not tell me that they are not reliable for the bike and continue to bill me and keep me in collections. That is against the unfair credit reporting and unethical business practices. They violated and broke several more laws that I just can't think of but they are getting away with it. Noone is doing anything about it. I finally got away from one XXXX relationship into being bullied again and feeling helpless. Not only did they take my car but they maliciously made sure that I couldn't get it back and made it where I couldn't get another one. At the time I just left the XXXX unable to work waiting on my XXXX claim to be approved. I lost everything including my home. I slept in the XXXX for a little while. XXXX XXXX gave me a home and my United States XXXX % XXXX service connected XXXX came through for my 15 years of service to this amazing country. I finally got out of an XXXX relationship but was bullied again and my rights taken away. Made to feel helpless because they have been getting away with it because important people that can help don't. It saddens me though because I had no idea that the very rights that I fought for and put my beautiful kids second for were trampled all over without even an eye blink. I had no idea. If they are doing this so easily to me, how many other people are they doing this too? I am requesting an investigation on the whole incident, a hearing on the tow company, and damages remedies. Thank you, for your time and any support that you may grant me in the future. XXXX
06/24/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • IL
  • 62959
Web
I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX, am a person with a XXXX. I am on a fixed income from Social Security XXXX Payments due to XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was found XXXX XXXX to make financial transactions on my own accord by XXXX and the Social Security Administration. I have had a payee since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the time that the automobile was financed I went to the dealership and financed this vehicle without the consent of my payee at the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX who was unaware that I signed a contract or financial documents with XXXX XXXX, and XXXX XXXX XXXX I financed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Illinois, in XXXX, Illinois. XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX, United States ( XXXX ) XXXX XXXX Finance I admit that I did not understand what the terms of this loan was at the time. It was not fully explained to me and when I brought this XXXX to their attention and the fact that I did not consult about my financial situation and budget with my payee, and I needed to withdraw my consent XXXX XXXX stated that we were not in negotiations and as an adult I could make a decision to sign their contract. As a matter of choice, they will not honor or recognize this fact and let me opt out. I continued to pay them faithfully despite the financial burden that it placed on me. My account number with them is XXXX, customer code is XXXX https : XXXX ( XXXX ) XXXX is the phone number. The car has had electrical issues since we financed it over 2 years ago XXXX. Through the pandemic I tried to get payments lowered, unemployment happened to my spouse, and we were denied any resolve. They would not lower payments or refinance for us. Despite it all we did keep the payment in good standing and never missed one at all. The payment is taken out automatically from our account on each and every Friday and every Thursday we get a phone call demanding a payment from the finance company. I feel it borders on harassment. The payment for this XXXX XXXX XXXX started XXXX the payments range from {$97.00} to {$100.00} per week for an approximate total of {$10000.00} paid on the vehicle. The total amount left on the loan is {$9600.00} This amount making the total amount of this vehicle {$20000.00} The vehicle 's XXXX XXXX XXXX value is {$2500.00}. The finance company states that this vehicle has {$0.00} in cash value. My partner attempted to trade the vehicle with another XXXX XXXX XXXX in XXXX of this year. The finance company refused. My partner then tried to trade in the vehicle at another reputable car dealership. Their recommendation was to give the car back to XXXX XXXX XXXX XXXX, Illinois, and the finance company through voluntary repossession due to safety issues and value of the vehicle vs the negative equity. THE FOLLOWING RECALLS HAVE BEEN ISSUED FOR XXXX XXXX XXXX XXXX : FRONT AIR BAGS FAILURE : RISK OF SERIOUS INJURY OR DEATH OVERHEATING CATYLIC CONVERTERS AND ABNORMAL COMBUSTION CAUSING FIRES STEERING GEAR SEPERATION : LOSS OF STEERING RESULTING IN CRASH RISK OF INJURY SPEED CONTROL ACCELERATOR PEDAL FRACTURE : LOSS OF ACCELERATION CONTROL IN MOTION RESULTING IN RISK OF CRASH/INJURIES ENGINE : ENGINE OIL LEAKS FIRE RISK At XXXX XXXX website XXXX XXXX XXXXXXXX It claims : EVERY XXXX XXXX vehicle receives a comprehensive inspection at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX location. The Reconditioning center is a state-of-the-art service facility with trained technicians who do mechanical and safety repairs as needed. Some cars being inspected are rejected as mechanically unsound and returned to an auction or wholesaled. Only the best units make it to our lot for retail sale. * To keep costs down, we may not repair cosmetic blemishes and convenience items, but safety and mechanical concerns are addressed before the vehicle reaches the lot. Because XXXX XXXX provides the loan on the vehicle, we have a vested interest in making sure you purchase a quality vehicle. The recalls and mechanical issues with my vehicle that I reported to XXXX XXXX XXXX XXXX Illinois, XXXX Illinois, beginning XXXX have never been resolved and my concerns have been disregarded.
08/10/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • OK
  • 74017
Web
This is an email I sent ceo of Carmart. XXXX XXXX XXXX XXXX XXXX XXXX Good morning Mr. XXXX, I had a XXXX XXXX XXXX financed in XXXX of XXXX at the Carmart/ XXXX, Oklahoma location. Ive been speaking with several of your employees recently regarding issues Ive been having with said vehicle. The truck has had mechanical issues since I left the dealership. I tried to have them look at it and they could not get to it for another week. My husband fixed it however, it has had a number of things go wrong with it to the point its going to cost more to fix than it is worth. Ive spoken with XXXX at your location in XXXX Arkansas. My father is the one who drove from XXXX Oklahoma to XXXX to talk to you regarding this matter. Just doing what a protective father would do. XXXX, has been great.She told me she would advise a man by the name of XXXX and XXXX XXXX. XXXX advised me that XXXX is going to give me a great deal by doing a charge off and putting me in a different truck. However, I did not know what a charge off was. Now that I know, it is definitely something I do not want. I do not want anything reported on my credit for something that I have not done. I have made my payments every month. There were two months when I had the payment deferred due to employment but paid the interest like I was told. XXXX called me Friday And told me that he had never heard of such a great deal offered by XXXX XXXX. He said if it were him he would take the deal. He told me he did not work for Car Mart that he worked for colonial finance. He told me that I owned the truck even though I told him I still owed a little over {$3000.00} on it. I asked him about an add-on I purchased regarding total loss of vehicle and he told me it was the same thing as the service contract which was now void because it had been over 12 months. The truck has been parked in my garage for months because it constantly goes into limp mode. It has less than XXXX miles on it. The only thing I am needing sir is a dependable truck. I was told by XXXX and XXXX to come in this afternoon let them have the truck for the charge off and they will put me in a different vehicle. You can see my concern, this is not a repo so I dont think it should show up as a repo. I am hoping you can help me sir. I have exhausted all of my resources. I know you are busy and I apologize in advance four bothering you with this however you are my last option. When I spoke with XXXX I asked him who his boss was because I thought it was you. He laughed at me and told me they were not affiliated at all with Arkansas headquarters. XXXX told me several times XXXX was going to slowly and gently explain to me the process of a charge off because that was my only option. Again, when I brought up the contract that I purchased regarding 70 % loss of vehicle he told me it was the same thing as a service contract so it was void due to it being 12 months. In no way at all am I looking for a handout sir. I am just needing a reliable truck. In XX/XX/XXXX when I purchased this truck I was actually given the wrong paperwork. I was told everything about a XXXX XXXX XXXX I thought were the specs for the XXXX XXXX XXXX that I had purchased. It was a week later when Carmart called me back telling me they gave me the wrong paperwork and had me come back in and re-sign a whole new contract without going over anything with me. My New phone number is XXXX. Thank you for taking the time, have a wonderful day sir. Sincerely, XXXX XXXX
06/28/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • KY
  • 40475
Web
My vehicle illegally repossessed on or about XX/XX/2023, all because they claimed that a check I wrote them on XX/XX/XXXX " bounced '' and was returned for insufficient funds. However, I have documented evidence and testimony of the branch manager from my bank proving the check DID, in fact, clear the bank on XX/XX/2023 and payment was sent to Car-Marts bank on the same day. On top of repossessing my vehicle based on INCORRECT information, they've tacked on several hundred dollars worth of fees and charges, and now want me to pay {$1000.00} to get my car back, when I've NEVER missed a payment and have always paid on time. I have three times emailed them letters with copies of the check which cleared my bank on XX/XX/2023, and I have called them numerous times ( even corporate ). However, they refuse to acknowledge this payment was made and that they never should have repossessed my vehicle in the first place. They claim that even my " evidence '' ( the canceled check and my bank statement ) " could have been altered or created by me and that my bank told them the check bounced. The few times I was able to reach anyone by phone ( someone named XXXX, and someone named XXXX, among others ), I was talked down to, spoken to with disdain, hung up on, and cut off repeatedly. When I finally got to the level of talking to " XXXX and XXXX, '' they asked me to get my branch manager on a three-way conference call, but less than 10 minutes later, when I did just that, they stopped answering my calls, and since then, theyve not picked up a single call Ive placed to them ( clearly, based on caller ID ). They refuse to acknowledge my letters ( 2 so far ) sent by certified USPS mail, the 3 or 4 emails Ive sent to their corporate headquarters/legal office/board of directors , and they now won't even take my calls. I am now without a vehicle right after being diagnosed with XXXX, and because of the horrible treatment and lies promulgated by this company, I have to hire people to take me to my XXXX and doctor 's appointments. This is entirely unfair, unethical, and questionably legal considering I have made ALL payments as scheduled and ON TIME since first purchasing the car back at the end of XXXX. This all stems from check # XXXX, dated XX/XX/2023 for {$380.00}, which cleared the bank on XX/XX/2023. But Carmart inaccurately noted the payment as having not been received due to " insufficient funds, '' and after that, they refused to cash my second check or take subsequent payments. This despite me repeatedly showing them documented evidence that the check DID IN FACT clear the bank days after it was written. Had they not made such a huge mistake OR if they were willing to admit they did make the mistake, everything that followed that check would not have happened, they'd have received all subsequent payments, and I'd still have my car. What blows my mind is the absolute juvenile behavior by everyone at this business, not just in refusing to accept black and white evidence OR the testimony of my branch manager but in their childish refusal to acknowledge me, let alone talk to me by email, letter, or phone. I did NOTHING wrong. I've paid my bills on time every time, and the car was repossessed wrongfully and illegally. And I want everyone to know about this so it doesn't happen to anyone else in the future.
03/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • KY
  • 422XX
Web
I lost my job in XXXX XXXX I got on unemployment insurance and the car company I purchase the car from know this I have even told they face to face to my account representative and to her I need to change my job information on my account because I dont not work for that company any more that Im getting unemployment now so is that my payments can be lower because Im only getting from unemployment is {$530.00} every two weeks and my payments for car mart is still {$190.00} But before I start my Complaint on XX/XX/XXXX I sign all the paperwork they never mention a seasonal payment to me so I purchases the car thats when I was working I even ask them if something was wrong with the car because I knew something was wrong with the car I just want to say what the car dealership will say they say no the car in perfect condition so I test drive the car it was a noise in the motor and my alignment was damaged because my tires was wobbly and very loose so they fix the motor a couple weeks later car mart call me to come pick the car up and the car wasnt fix the motor was still bad and then they fix again but I also told them about my tires because my axe was mess up before I test drive the car and they never fix my axe and its in my contact for them to fix my axe never got that fix I had to fix a lot on that car that including brakes axle alignments starters for the car and all the thing they suppose to do fix my that in my contact never got done I did it with my own money to fix the problem because they said some of thing I lost that is not in my contact and they told me in was my Responsibility to fix the problem on the car but I sit down an read my contact all and car XXXX was suppose to fix my Axel my starter because its part of the motors and he was a part of my contract that they supposed to fix anything wrong with the motor or the exit of the car which they never dead I had to come out of pocket to pay for the damage of the car and then Ill top of that I have a schedule of {$810.00} on XX/XX/XXXX post to be a seasonal payment never heard of the Seasonal payment they want to pay the {$810.00} XXXX altogether as a payment now all the other car lights XXXX XXXX XXXX XXXX XXXX XXXX Automall all of the car lots they do no credit checks They never heard of a seasonal payment only Car Mart has received payment and that is really illegal to have a seasonal payment basically got is taking text money for the people that work hard for that money you want us to pay season payment plus the regular payment that we are paying some people cant afford to make a season payment and I have one for next year of XX/XX/XXXX of {$610.00} So on Saturday XX/XX/XXXX I had a little car accident before I got a chance to contact car mart they already pick my car up because they want me to pay XXXX for the seasonal payment plus the {$190.00} payment as well I told my account representative you never give me time to tell you the car was wreck and they told the car anyway but I have all my information and my contact so you guys can see this for yourself because I never in my life heard any car lot having a seasonal payment which means they have it scheduled when taxes times are around each year
02/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • OK
  • 74008
Web Servicemember
I purchased a vehicle from Car-Mart on XXXX XXXX, XXXX. I was advised that my pay history would be reported to my credit monthly, and it has not been. I bought a one year warranty for the vehicle that was offered to me from Car-Mart due to the vehicle being used. The vehicle was a XXXX XXXX XXXX. In the year and one month that I had the vehicle, my payments were always on time. I was only able to drive the vehicle half of the time I had it due to it being in the shop so often. I had several meetings with the Car-Mart staff and each time, they assured me that they fixed the problem. I told them each time that I brought the vehicle back to the shop that when the vehicle fills up with gas, it shuts off, typically while I am driving down the road. They tried to make it right at first by what I thought was a discount on the car loan, but it turns out that they were just modifying the loan and pushing payments further. I asked for follow up phone calls from management at Car-Mart and never heard anything. I talked to the Service Manager, XXXX, who advised that they really were n't sure what the problem is and that they just keep throwing parts at the vehicle to see if that fixes the problem. I 've been going through this nightmare for an entire year and having to get alternate transportation while my XXXX was being worked on. I was never offered another vehicle to drive and kept paying {$50.00} for a deductible each time the XXXX went into the shop for the same reason over and over again. I had several conversations with XXXX and XXXX at Car-Mart and they were uninterested in finding a solution to this issue. I finally talked to XXXX, the finance manager, last week when she called because I told XXXX I still had n't heard from XXXX or XXXX as promised. She asked what we could do to rectify the situation. I advised that at this point, I would just like to have a clean slate, give the XXXX back and not have to pay for a broken vehicle anymore. She asked again if there was anything else they could do and I said no. She said she would try to come up with something else by the time I came in, but that it was okay to give the XXXX back with a clean slate. When I walked into Car-Mart to get my personal items out of the vehicle, they had voluntary repossession paperwork that they said I had to sign in order to get my stuff back. I advised that I will not be signing the papers due to this not being a voluntary repossession and it being that they sold me a lemon vehicle and that XXXX had advised this would be a clean break. They said that this had to be signed in order for me to get my stuff. I said no and they wrote on the paperwork that I refused to sign the documents. I asked for a copy of my file and XXXX advised that the paperwork was Car-Mart property and that I would get my " notice. '' The tone in which it was said was threatening as if I would face financial or credit-impacting consequences for releasing the jeep. It is my opinion that Car-Mart is fraudulently selling cars to people that are trying to get back on their feet that are damaged and not in good working order and charging fees ( warranty deductible ) to incorporate more revenue into their business.
03/14/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37040
Web
on XX/XX/XXXX in XXXX, Tennessee off XXXX was XXXX in a XXXX XXXX while trying to finish a XXXX order not something i do as a job just to make a few bucks because i was in between jobs at the time but the other driver was a male in his XXXX with his XXXX kids everyone was fine his truck ( XXXX XXXX XXXX had a little dent in the front while when he hit me my vehicle ( XXXX XXXX XXXX ) was spun in a XXXX causing my vehicle to be totaled ( airbags did deploy ). I did end up going to the hospital that night XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX treated me as if i wasnt that important the service was horrible as they transported me to the nearby XXXX XXXX were i was treated they tried to indicate that i was impaired which ive told them multiple times i was not so that wasnt the case. The next day i proceeded to inform Americas Car Mart ( where i finance the vehicle i got from them ) and let them know about the wreck they were so much worried about money and not helpful at all i made an app claim through them because they have gap availability so i wait for everything to process while in the meantime i was told to contact XXXX as well so i did and made an claim with them also. I waited into the next week because as usual they say it make take 3-5 business days i call everyone back to see any update on the claims and to see what i have to do next i was told by each company that my claims were denied which wasnt suppose to happen therefore it is false advertisement Car-mart told me they wouldnt cover because my car cost too much to pay out and then proceeded to say that i will be continuing to pay on the vehicle even tho i dont have it anymore, and that they will not let me purchase another car from them.i call XXXX next the lady on the phone is telling me that i was denied and but their website has otherwise on there therefore i couldve been helped, all companys stated that they will pay for the other drivers coverage and not mine and as well as my car insurance they said the same thing. Time goes by i received a citation ticket, an XXXX bill, and a letter from Car-Mart stating that they are auctioning my car and that whatever isnt paid off i owe and vice versa. On XX/XX/XXXX around XXXX i received a call from my insurance even after they canceled our policy with them, asking if i received any bills following up from the accident and if ive heard from XXXX because nothing has been done at all and they explained that if i can give them something stating i was denied by XXXX theyll kick in with some coverage which led me to call XXXX because i was not sent an email or anything of that sort saying i was denied i just was told by one of their representatives so ive called at least 3-4 times and im now just getting new information stating i was never denied and that my case is still open and ive been all this time told false information which looks like because someone cant/didnt do their job correctly with a car that has not even been cited since XX/XX/XXXX
06/08/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MO
  • 65203
Web
I have experienced hardships after loosing my job 3 months ago. I communicated this with them and I continued to try to better my situation. This made me unavailable to repeat myself everyday and I simply waited until I had an update to reach out. The car did not have an up to date inspection on the vehicle when I bought it. It was a couple of years past due. I had to get another one in order to get the car plated. The starter was going out from the month I purchased the car it was only intermittently so every time I took it in it suddenly worked. A manager that previously worked there told me that I did not have to pay the full amount for the repair when it finally went completely out. He no longer works there. This was two years ago. Suddenly during the time when I have no job, the service that I believe was paid suddenly pops back up on my account and suddenly after a year or two it is now urgent that I pay it. I feel like the last couple of times I spoke with someone they are misleading and deceiving. I thought I was signing a payment arrangement when I came into the office on XX/XX/2023 or XX/XX/2023. I never recieved a copy of what I signed and when I was signing nothing was shown to me. When I called earlier to let them know about an issue with my bank, I was told that I had no payment arrangement. I have been in contact with a lawyer to discuss options as I also was antagonized by a new employee there who was very condescending and unrealistic despite me telling them the truth about my situation and paying what I could when I could. I asked for this person to be blocked from my information and account and was told by the owner XXXX that that was done. I found out today that that was not the case. Ive never had such a problem with them. Ive been without work before and they were extremely helpful with giving me at least 24 hours to find the money outside on the ground. Now Im hearing of all these other possible ways that they can help me that were never offered to me. My payments were never lowered. Despite me being told that they would be. They are not letting me pay on my car note at this point, I can only pay for a repair that I dont even think I owe. They always claim to help but essentially that is only when you can keep up with making high weekly payments. They claim to be honest but none of them are. My car is pretty much paid off and Im starting to feel like this is a scam. Ive always been honest and have consistently made the payments for my vehicle. Because of their hours it hasnt always been on time because I havent always had time to come in. I feel like they are a little underhanded. I have heard all bad things about them and Ive always defend them. This time its my turn to see their true colors.
11/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • AR
  • 72015
Web
This is concerning a loan at Americas Car-Mart . Purchaced a XXXX XXXX XXXX, vin # XXXX on XX/XX/XXXX with high mileage of XXXX, XXXX for {$8900.00}, a service contract for {$620.00}, service and handling fee {$35.00}, a debt cancellation agreement, with {$400.00} down pmt. Financed amount for total of {$9800.00} with an interest rate of 16.50 % ( {$2400.00} ) total of {$12000.00}. Weekly payments of {$85.00} ( XXXX ) that start XX/XX/XXXX and end XX/XX/XXXX. On XX/XX/XXXX the vehickle was reported stolen to XXXX XXXX XXXX XXXX. Incident report # XXXX. Report was available on XX/XX/XXXX and taken to Americas car-mart at XXXX XXXX XXXX, XXXX, ark. XXXX, and given to the clerk XXXX XXXX to make a copy for XXXX and XXXX XXXX, finance officer and manager. She told me to continue making pymts and had me sign an arrangement which I contested and argued about the debt cancellation I purchased which was for this protection if it was stolen. She never got back to me to tell me if I was covered and so I called and she said that they were not going to honor it based on that I was trying to sell it and it was suspicious and I said that I meet all the criteria and reporting for this agreement. I was getting my credit repaired and back to. A good rating when I saw they reported it to credit and listed as derogatory not paid. I called home office in XXXX and they were going to investigate and never got back with me and screened me out. I reported to XXXX online to mediate this and get it off my credit report. XXXX months passed and I recieved a letter from XXXX XXXX hospital security that I needed to move this vehickle that was stolen, I called car-mart and they went and got the vehickle, auctioned it off and added to what they say I owe of amount {$5900.00} now {$6400.00} and have it listed on my credit as a Repossession!!! I am enraged and cant believe e the nerve. I had XXXX months of pymts left. If they arent going to honor an agreement they pushed on me and not even refund that amount from what was owed and sell it for nothing to make sure of a debt, is discerning. This company has a triple XXXX rating and have forums that range in the thousands for customer complaints. I dont know how they can be in business with high interest, unhonored agreements they push that cost me {$1100.00}. I just want them to clear my credit and pay for the damage and loans I cant get because of this. I have read about other class action claims one called XXXX, XXXX Tx. Cant remember other one that is exactly the same thing that was done for gap. They think that no one because of poor credit is why you buy from them, and I hear they only submit some to credit bureaus and try to keep you down if they feel you may sue.
03/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • IN
  • 47715
Web
I've been paying for a XXXX XXXX XXXX from Carmart, Inc. XX/XX/XXXX, the transmission went out. I paid for the tow, had it sent home. Next day I call Carmart about it, they say they will try and have someone come pick the car up for repair ( under warranty ). XX/XX/XXXX, I call around noon and they tell me they forgot to send someone out. The car is finally picked up XX/XX/XXXX ( I believe? ). A few phone calls go by. XX/XX/XXXX, I call wondering where my car is at. The manager and I start arguing. She threatens to throw a bad transmission in my car and give it back to me so I have to pay another deductible, then proceeds to tell me she can keep the car completely while still making me pay for the car. I pay every two weeks, {$100.00}. I try to call customer service and they can't get ahold of me for 5 days due to " having the number wrong '' even though I confirmed the phone number when I spoke to whoever at customer service. Finally XX/XX/XXXX Carmart calls me and tells me the car will be there " within the hour ''. I was at work at the time, and needed to plan ahead. 30 minutes go by and I call back wondering if they got it yet to which she replied, " I said it will be an hour! ". 30 minutes later, she calls and says the car is there then hangs up. I get dropped off by my manager , drive the car back to work. Immediately I notice that the clutch is loose compared to before ( a rebuilt transmission/clutch should be more stiff I would think ), and a rattle after I approach 2800rpm. I finish work , drive home. Next morning, I check the oil, and there is NONE on the dipstick. I take the car to Valvoline immediately for an oil change. They say the transmission is leaking. I call Carmart to tell them what I find out. I drop the car off the next morning, XXXX XX/XX/XXXX. I waited until XX/XX/XXXX to call the transmission shop directly ( XXXX XXXX XXXX XXXX ), when they told me that while the trans leak was simply a bolt they didn't tighten to spec upon rebuild, a rod is knocking in the motor and requires a replacement motor. But, so he says, you can not pull a motor from an XXXX XXXX and put it into a Manual, and that the " Manual motors '' are a needle in a haystack. So I'm still waiting for my car back, while still up to date on my payments. Only, XX/XX/XXXX I owe a " tax payment '' of {$340.00} which I'm now unable to pay due to paying twice as much for gas if not more for a minivan that we are borrowing from family, who is now at the loss of a vehicle because of this too. I've also been paying for insurance on a vehicle I do not currently have, and when asking Carmart about a possible loaner while they service my vehicle under warranty, the manager tells me " they ain't no XXXX! ''
05/26/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • AR
  • 718XX
Web
I purchased a vehicle from Car-Mart of XXXX. At first, everything was great. I even co-signed for my daughter to get a vehicle. Then, when I had the vehicle about 75-80 % paid off, it started having problems with the motor. Car-Mart offered to have the vehicle repaired at a shop of their choosing & add the cost of the repairs to my loan. I agreed and took the vehicle to them to have it repaired. The shop they took the vehicle to had it for about 2 weeks before Car-Mart finally called and told us it was ready. They told us that the motor had been replaced. My mother-in-law took my wife to pick it up while I was at work. The next day I drove it to XXXX to work. When I got to work, smoke started pouring out from under the hood. When I opened the hood, there was antifreeze everywhere. Apparently the shop either hadn't secured the hoses or had damaged one of them, I couldn't tell which. I got it back to Car-Mart who sent it back to the shop to be fixed. After a few days, they called to say it was ready. This time when I picked it up, I was less than a block from the dealership when it started having problems yet again, acting like it didn't want to shift properly. Again, they put it in the same shop for several days. Mind you I'm still making payments on a car that I haven't really been able to get any use out of for about a month at this point. Once again I picked up my vehicle only to make it about a mile before it died on me in the middle of the road ( yes, it had gas in it ). This time, after a few days, we were told that the shop wouldn't cover the cost under warranty so we'd have to pay to fix it out of our own pocket ( though it was supposed to be a 'new motor ' ). We talked to a manager who told us that since we were having so much trouble with getting the vehicle fixed that he would dismiss the remaining balance & take the vehicle as a trade in on something else. By this time, my daughter was also having problems with her car which they refused to do anything about. Final straw .... the 'new ' vehicle I got started having transmission problems a couple of weeks after I got it and the car lot wasn't going to fix it unless I could prove it wasn't any fault of my own. I finally walked into the manager 's office and told him that I was done because of all the run around I had gotten from them. Now, ALL 3 vehicles are showing on my credit report as accounts with outstanding balances, even the one that they 'dismissed ' due to all the trouble I had with it ( making weekly payments on a vehicle that was 'out of commission for about 6 weeks all together ) & the one that started having problems within the first 2-3 weeks. Have they ever been investigated under the Lemon Law?
01/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MO
  • 63801
Web Servicemember
I PURCHASED A VEHICLE THROUGH AMERICA 'S CAR-MART OF XXXX XXXX, MO ON XX/XX/XXXX. WHEN I PURCHASED THE VEHICLE I WAS TOLD THEY REPORT TO CREDIT BUREAU AND IT WOULD LIST AS " COLONIAL AUTO FINANCE '', WHICH WAS WHAT I WAS LOOKING FOR, SO I COULD REBUILD MY CREDIT. I WAS ALSO TOLD, AFTER ABOUT A YEAR, I CAN TRADE IT BACK IN ON SOMETHING ELSE AS LONG AS I HAVE GOOD PAY HISTORY AND I VEHICLE IS STILL IN GOOD CONDITION. A FEW MTHS AFTER PURCHASING THE VEHICLE I PULLED MY CREDIT REPORT AND NOTICED " COLONIAL AUTO FINANCE '' WAS N'T SHOWING. I THEN WENT TO CAR-MART PERSONALLY AND EXPRESSED MY CONCERN. I EXPLAINED TO THEM I WAS SOLD UNDER THE IMPRESSION, IT WOULD REPORT TO CREDIT AND IT IS N'T SHOWING UP. & I WAS MISREPRESENTED. I WAS TOLD, THEY HAD ALOT OF COMPLAINTS ABOUT THE SAME THING FROM OTHER CUSTOMERS. I EXPLAINED HOW I WAS MISREPRESENTED AND I WANT OUT FROM UNDERNEATH THE VEHICLE. I WAS TOLD, THERE 'S NOTHING THEY COULD DO.I PULLED MY CREDIT REPORT A FEW MORE TIMES AND I REPEATIDLY COMPLAINED ABOUT THE MISREPRESENTATION & HOW IT STILL WAS N'T ON MY CREDIT REPORT. AS I STATED, I PURCHASED THE VEHICLE IN XX/XX/XXXX AND IT ALL THE SUDDENS SHOWS UP ON MY CREDIT XX/XX/XXXX. ALTHOUGH IT WAS REPORTED, THE INFO ON MY REPORT WAS N'T ACCURATE. WHEN THEY REPORTED IT, THE DID N'T GIVE ME MY POINTS FROM ALL THE MONTHS OF ON TIME PYMTS AND THEY PUT IT ON THERE LIKE I JUST PURCHASED THE VEHICLE, WHICH WAS N'T TRUE. OF COARSE MY CREDIT SCORE DROPPED DRASICLY WHICH I HAD BEEN REBUILDING ALL YEAR LONG. AFTER SEEING THAT, I CONTACTED CAR-MART AND WAS TOLD I NEEDED TO CONTACT CORPORATE, SO I DID. I SPOKE TO A GENTLEMAN & HE ASKED ME " WHAT I WANTED HIM TO DO ABOUT IT? '' TAKE IT OFF?? AND I WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS AND TELL THEM TO CORRECT IT. WHICH IT WOULD N'T MAKE DIFFERENCE BECAUSE THEY SHOULD HAVE REPORTED IT LIKE THEY SAY THE WHERE GOING TO DO 9 MONTHS AGO. SO ON XX/XX/2015 I WENT IN THE STORE EXPRESSING MY CONCERN AND TO MAKE IT RIGHT AND ASKTO JUST TRADE ME OUT OF THE XXXX XXXX AND PUT ME INTO A TRUCK AND I WAS TOLD I NEED {$4000.00} TO GET OUT OF THE XXXX AND IT WAS NOTHING THEY COULD DO ABOUT THE CREDIT SITUATION AGAIN, BUT SORRY. I HAVE MADE MY PAYMENTS ON TIME AND WAS TOLD TO KEEP IT ABOUT A YEAR AND I COULD TRADE, WELL I GUESS THAT WAS A LIE TO AND LOOKING OVER MY CONTRACT IN SHOWS AMOUNT FINANCED XXXX, AMOUNT OF PAYMENTS {$15000.00}, TOTAL SALE {$16000.00} AND I PUT DOWN {$940.00} SHOULD THAT COME OF THE PAYMENT AMOUNT. I AM GOING IN ONCE AGAIN ON THE SATURDAY XX/XX/2015 TO SPEAK TO THE GENERAL MANAGER ON THE ISSUES AGAIN. I DUE HAVE A COPY OF MY CONTRACT AND I CAN FAX IT TO YOU ...
12/10/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • KS
  • 660XX
Web
CAR-MART in XXXX XXXXXXXX Missouri accepted my XXXX XXXX XXXX in Perfect Condition and paid off, as a Trade in for a much older car model XXXX. Aftet spending the whole day thereI was worn down waiting for them to finalize their paperwork. I had my vehicle the XXXX XXXX XXXX appraised at 4 Dealerships and they offered me XXXX to XXXX XXXX dollars to buy it from me. I didnt think CAR-MART of XXXX Missouri would take that long approving this deal. After 6 hours I left to go home to take my medication. I have been on XXXX XXXX SINCE XXXX. When i returned to CAR-MART of XXXX XXXX Missouri I did not know what they did to the paperwork. I tried to get them to lower that price. CAR-MART informed me only {$3500.00} was used for my trade. Also I was told that a Extended Warranty HAD TO BE INCLUDED EVEN AFTER I DECLINED IT SEVERAL TIMES. I thought extended warranties were optional. After 8 hours I was tired and weak sighning papers for the deal. My first payment was paid days before it was due. My second payment was going to be a little late and CAR-MART was notified about it. The title and taxes were more than I anticipated. I went to our local library to contact CAR-MART via internet. During the internet session I was approached by CAR-MART employees telling me they are here to reposes the XXXX and demanded the keys. I asked for leniency and to please give me some time to come up with the money. I also told them I had XXXX TAG HANGING FROM THE MIRROR FOR PROOF I NEEDED THE VEHICLE TO GO TO MY DR APPOINTMENTS AND TO BUY FOOD. I just spent close to XXXX 2 days before getting the XXXX legal. They did not care and demanded the keys again. CAR-MART OF XXXX XXXX MISSOURI LEFT OVER 10 PHONE MESSAGES IN A 3 DAY TIME SPAN. Only after a month and a half I lost my XXXX XXXX XXXX AND THE XXXX and was told, YOU WILL BE GETTING a bill from us! I asked if I could at least get my XXXX XXXX XXXX back. They laughed and said it was sold and i was not getting it back. They left me stranded at our local library. These are very mean people. I was put in a 3 day notice to XXXX after getting the XXXX legalized then 2 days after paying all that money I have no vehicle to attend my Doctor appointments and have to walk 2 miles to my closest food store. I am very upset with their business pratices praying on a XXXX Person with a XXXX XXXX XXXX son to raise after my wife XXXX in XXXX. Please someone look into this Very Bad situation. Thank you Sincerely XXXX XXXX XXXX XXXX
06/28/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • TN
  • 380XX
Web
Car Mart sold this account or transferred this account to Colonial Finance. I was a cosigner on this account. The vehicle was purchased at the XXXX XXXX XXXX. That location has been known for its shady practices. When I originally went in my kids father was already there and called me up there because they needed my income since he didnt make enough money is what they advised him, the sales rep advised they just needed my information because my kids dad did not make enough money, they never explained they were adding me on the loan as a cosigner until it was time to sign papers. They added seasonal fees into the loan, something I never heard of before was an extra {$400.00} added on to his original payment that would need to be paid twice a year. The vehicle gave him so many issues that they refused to fix and advised he had to pay out of pocket along with still making his car payment even though the vehicle was not in running condition. When me and him split up he ended up taking the vehicle back to them which they sold at auction. They sent him a notice for court for the vehicle but never garnished his wages for it. Once I found out it was on my credit report, I called and requested proof of how much they sold the vehicle for at auction but all I got was the run around and they never sent the information to me. I spoke with the supervisor XXXX who advised me over the phone the vehicle was sold at auction for {$500.00}, the date it was sold was not provided and still, she never sent me proof in writing how much the vehicle sold for. Instead she offered me a settlement on the account for {$1500.00}. At the time I did not have the money to pay that. Months later I contacted her back and offered {$1200.00} to settle the account because I was speaking with a lender to purchase a home for me and my kids and they advised me the account had to be paid first so I contacted her back and set up a day to pay it and it was paid by me on XX/XX/2021. I did not know about credit at that time but now have found at they violated FCRA laws by not providing me with documentation when I requested it. That location has so many complaints on XXXX and nothing has been done about their shady practices. I would like this account removed from the credit bureaus since they failed to provide me with proper documentation when I asked for it and the fact the manager advised via phone once I paid the agreed settlement on this account the account would be removed.
09/16/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37421
Web
1.I have never had an account with this company COLONIAL AUTO FINANCE XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COLONIAL AUTO the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
02/04/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • TX
  • 754XX
Web
Car Mart XXXX XXXX Texas violated several laws. Repo ( in house associate ) called after the fact to gloat and brag that the vehicle had been taken. Using vulgar language and aggressive behavior! Left me stranded in Oklahoma XXXX miles away from my house, in a closed parking garage- did not tell the local authorities and proceed to call me 8 times before I picked up. This situation left me scared and fearful. Not knowing if the psycho was near by. Now I contacted the dealership and now know why that associate acted this way. All associates at this location need a good training lesson in customer service and type of laws that go with a Repo. Would not allow me to get my belongings except on their terms and are not willing to get the items when I was available to claim them. Claimed to press charges against me for making the building scared of phone calls tying to understand why they did this over {$94.00} and to get my property out of the car. Police officers called me and were cool and understanding and said I was a laid back guy with a clean record and that I can reach out for them to escort to the dealership and claim my stuff ... ... but car mart only said I can get it XX/XX/2021 @ XXXX XXXX - I have sent an email saying I need to reschedule to a weekend and they will not work with me!! Breaking the law yet again wow!! Btw got a letter XX/XX/2021 saying I need to contact them to resolve the issue. This was sent XX/XX/2021 - they repoed the car XX/XX/2021 - wow gave me less than a day - but didnt even get the letter until the XXXX - no previous letter or communication has been done in regards to this matter. And i only owed XXXX or so. I have everything needed in regards to the mentioned statements above, phone numbers and documentation. Looking for my rights to be acknowledged and for car mart to apologize for the overall XXXX poor business ethics. Not wanting the car and would like to move on but ... ... .since they did break the law I must pursue and in the meantime contact every business bureau so other customers will not do business with them anymore!
08/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • GA
  • 30016
Web
COMPLAINT AGAINST THE CAR-MART IN XXXX, GA STORE : My payment is {$270.00} per month, we started out with a {$6800.00} bill and our balance is approximately {$2600.00} and CAR-MART continue to harass us each month, making threats of repo on the vehicle to sell. They sent someone to our house last month when we had company in our home and the person refused to leave from in front of our front door demanding that my wife get on the phone, demanding a payment because they claim the payment was 5 days late. He continued to verbally demand my wife get on the phone to make a payment in front of our guests, allowing others to be in ear shot of a collections demand at our front door about my personal business. Now, they claimed our payment was 8 days late and repo our vehicle on XXXX/XXXX/2016. The sad part is my wife make another payment on the vehicle and all of sudden not even 10 minutes later someone was knocking down our front door and repo my truck. I have paid over {$4000.00} on that truck. I feel we are being harassed because the Truck is XXXX paid in full and it would be of profit for Car-mart to steal our vehicle and sell it to someone else. Call me at XXXX. We also faxed a complaint to the XXXX store last month over the violation of our privacy rights in front of guest at our home and this month - XXXX 2016, they repo the vehicle in retaliation of that complaint. My payments are current and I have all the receipts, I have never missed a month payment to Car-mart. Additionally, they pull a bate and switch when I first obtain the vehicle. They stated if we bought them XXXX fans in a promotion that my down payment would be {$500.00} down. However they increased my payment over a 90 day period to {$470.00} per month to get the down payment money back. I did not realize this situation until after the fact and I was forced to pay {$230.00} every two weeks for 3 months for the down payment. Now that I have paid off over XXXX of the vehicle they came and stole the vehicle out of my front yard.
01/05/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AR
  • 721XX
Web
To Whom this May Concern, This is regarding the XXXX XXXX XXXX that was initiated on XX/XX/XXXX with your corporation identified by the account number beginning with XXXX and XXXX open on XX/XX/XXXX I would like to formally request, in writing, that you CEASE & DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties including XXXX, XXXX, AND ALSO XXXX. Pursuant to 15 6801 ( a ) which clearly states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to RESPECT the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have not given your corporation my consent to share my nonpublic personal information. If your corporation claims to have been given permission to share my nonpublic personal information, I also request that the original agreement between myself and your corporation with my signature. In which I opted in to sharing of my nonpublic personal information be furnished to me. If this agreement exist. I would also request to be shown, in that same agreement, where I was clearly and conspicuously presented with the option to opt-out of sharing of my nonpublic personal information a provision of 15 USC 6801 ( a ) which requires financial corporations to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing. Be advised that according to 15 USC 6809 ( 4 ) ( a ), the term nonpublic personal information is defined as personally identifiable information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service preformed for the customer or Otherwise obtained by the corporation Settle this matter or legal action will take place. You have 10 days from todays date to remedy this alleged debt. Please do not contact me if it does not pertain to this matter at hand. Best Regards, Without XXXX XXXX XXXX
03/02/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • OK
  • 73507
Web
In XXXX I was excited to buy a used car from Car Mart I bought a used XXXX XXXXXXXX XXXX First week car ran fine after the first 35 day 's I went out of town where vehicle almost killed my entire family. For no reason the gas pedal quit working while 9n a highway Infront of a speeding semi and I had to run off the road to save us. When I tried to pull back off car would only do ten miles a hour which we had to pull over again. I was stuck there on the side of the highway for over a hour and car ran fine again. I immediately took it too the shop and said they would take care of it. First week ran by they lost the car keys claimed I had them second week I was told it wasn't ready mind you I am still making my payment on time 3 months I paid I got to drive it for 35 day 's finally get the car back all is great then it did it again I called and told them and instead of asking questions about when can they repair it I was a day late on a payment because why would I pay for a car that could harm us. I called and they said it be another 2 weeks for it to get to the shop so I immediately took the car too em they threatened it be a voluntary repossession I said whatever keeps my family alive and gave em the keys. They resold the car too some poor soul and still put past due and repo on my credit and when I tried to dispute it went right back on my credit mind you it's not on all 3 it's on one and still no one wants to hear me so this is my next step. Yes I do feel when you owe you should pay but also if the vehicle is dangerous how dare they put it 9n my credit if they had the car more then I did? Lemon law is only 30 days but for a XXXX XXXX XXXX grandma I don't go out of town unless it's family events so to worry if the car gon na kill us why do I not have any rights to return it and not loose my XXXX credit score now due to them selling a death car I lost XXXX points of my credit score and that's just XXXX and wrong
08/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AR
  • 728XX
Web
I purchased a car through Car Mart in XXXX, Arkansas. I have made all my payments on time, and paid off over $XXXX, and only owed $XXXX as my payoff amount. The car kept having mechanical issues I literally could not ever afford to pay for, and their policy is that they do not have to consider mechanical issues. I told them I could not afford the second payment in XX/XX/2019 due to spending $XXXX on repairs, and still needing more. XXXX from the XXXX office, informed me that if I was not going to be able to make the payment ($XXXX), they could repossess it. I told them it was broken down in Tennessee and if they wanted to go get it, go ahead because I can not afford to tow it back home. They went and got the car, and sent me a letter stating that they were going to sell it after XX/XX/2019, and that I WOULD NOT OWE ANYTHING after the sell of the vehicle. A few months before this all happened, the finance company I worked for turned XXXX, the manager of CarMart, over to a collections agency for consulting our company did for them. XXXX called and cussed me out saying they are going to take my car and suing me because I let them turn her over to collections. After she got mad, my entire account status changed, she even changed my payment dates and didnt tell me, which made a whole issue of late payments that took a week to resolve...and now they are reporting it as a repossession, with all these late payments that never happened, misreporting my entire account and saying I owe them money now. I have the letter they sent to prove what they said, as well as proof that XXXX has a collection account with our company and a personal vendetta. I have made the CarMart corporate office aware of the issues, even before I missed a payment. They always say they will take care of it and never did....resulting in this.
07/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • AR
  • 72956
Web
America 's Car-Mart is a used car franchise headquartered in XXXX, AR and operating in XXXX states. They are a publicly traded ( symbol CRMT ) version of the " tote the note '' car lots of old and as such, they participate in a variety of shady and/or outright dishonest practices. Car-Mart currently has a promotion that claims you can buy a car for " {$100.00} down '' with signs on the road, signs on the cars, and a sign on the front of the store. But once you go in to inquire about it you find that it actually only applies to a small percentage of the cars they have in stock. And later, you find that it is n't actually {$100.00} down. It is {$100.00} OF the down and you still owe the rest on top of the payments. I picked out a car which they said was included in the program - a XXXX Mercury Grand Marquis. And what I found was that once you go inside to actually do the paperwork, the deal changes to, you pay {$100.00} of the down payment and still owe the rest ( in this case, about {$1600.00} ) which they finance on top of your weekly or monthly payment. The result is that you 're buying a car worth maybe {$5000.00} ( per the actual condition ), and you 're paying over {$8000.00} and it is n't {$100.00} down. It is {$100.00} OF THE down which results in payments of almost {$500.00} a month for the couple of months, a lump sum of the rest of the down payment ( in this case, {$690.00} ) and then regular payments of {$180.00} twice a month. If that is n't bad enough the car I pursued had XXXX mismatched tires, XXXX of which looked like they could blow out any day. I have a copy of the promotional material which states the terms, a copy of the proposed contract which shows the real terms, and the XXXX XXXX XXXX report which shows the actual value of this particular car.
10/06/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Notice to repossess
  • AR
  • 719XX
Web
In XXXX of XXXX I began the purchase of a XXXX XXXX XXXX from XXXX in XXXX XXXX, AR. My payments were {$650.00} a month. In XXXX of XXXX the car broke down in XXXX, AR while I was away on a business trip. I contacted XXXX to figure out what to do with the car. I was still covered under warranty and the part that needed replacement was under warranty so I was advised by carmart to have a towing company move my car to XXXX in XXXX so that I could be worked on. The car was transported to XXXX by XXXX XXXX. I had my car keys with me so I took them to carmart so that they could send my keys by mail to XXXX so that they could do the repair. After a week went by I contacted XXXX to get an update on the keys and car. No one would give me any information and just kept telling me that someone would call me back. No one ever called me back. I called everyday for XXXX weeks to get any information from them but was never successful. I called the XXXX in XXXX to see if they had any information and they told me that they had sent my keys to the carmart in Texas. I called that carmart and they said they would send my keys to the XXXX location. After a few more days went by I called the XXXX in XXXX to see if anything had been done yet. The worker at XXXX told me that XXXX had already had that car towed back to their lot almost XXXX weeks before I called. I tried to get information from the XXXX in XXXX and hot springs in which neither would give me any information about that was going on. I was current on my payments so they had no reason to repossess my car. This was an illegal repossession and if I do not get a response from this complaint I will be taking them to court.
10/30/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TN
  • 37209
Web
I purchased a car from Car-Mart . This car loan company has aggressively collected against me since I purchased the vehicle. They have threatened me with going to jail for no payment stating they had a warrant for my arrest during 2020. This company has contacted my employer, and family repeatedly to the point they have had to block Car-Mart. I have been harassed day and night with repeated phone calls and text messages to the point I had to change my phone number recently just to stop the phones calls. They have put tags on my car for balance due that are not related to the actual note for {$25.00}. They use the tracker they put on my car to show up wherever the car parked and at times this occurs on other people property. I am tired of the collection practice of this business, but I owe them money for this vehicle if I return it will affect my credit. But I can not take the harassment anymore. I am not over 30 days late with a payment this car is not the best vehicle either, but I must pay this loan off. I am starting to develop anxiety issues and stress because of how they are conducting business. I pay my note and that is what is required. I am not in a repossession status my car note is current, but I am not paying the late fees on this account because they only give me 3 days to pay of which one is Sunday when they are not even open which makes me late by Monday. I have written emails, to management, and spoke with several representatives about how they are collecting against me. I can not do this anymore I need help. Sincerely Concerned
11/20/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 30117
Web
Americas Car Mart continues to infringe upon and violate my consumer rights. Upon doing so by law XXXX demand compensation for such violations under 15 U.S. Code 1692k - Civil liability. On XX/XX/2020 a letter was mailed to my home address from Americas Car Mart. That letter was titled Notice of Our Plan to Sell Property. The first violations are under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse In this letter Americas Car Mart states the following quote THIS COMMUNICATION IS NOT AN ATTEMPT TP COLLECT, ASSESS, OR RECOVER A CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. But also, in that letter Americas Car Mart states the following quote You can get the Vehicle back at any time before we sell it by paying us the full amount that you owe ( not just the past due payments ), including our expenses. To learn the exact amount you must pay, call us at : ( XXXX ) XXXX XXXX. That to me is the language of an attempt to collect a debt, which is indeed a violation under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse. I have not given any written permission to contact me in any form at any time of day which makes this letter in its entirety a violation by law under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse. In the top right corner of the letter Americas Car Mart has the companys logo which is a violation under 15 U.S.C 1692b. Acquisition of location information.
01/17/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • MO
  • 64850
Web
This may seem not important to most people and I understand if there's nothing you can do. I searched for a local journalist and it lead me to you. I am in need of help even a phone call would help. My problem is I bought a vehicle from XXXX XXXX XXXX Mo . I already had one issue that was resolved because they sold the car they promised me. Now around the beginning of XX/XX/XXXX my truck was put in the shop because it needed a new engine I was told 2 weeks max is what it would take. It is now XX/XX/XXXX and no information on my truck. I was out of work a little bit and I had to struggle to make a payment but I did and then today I went in to make a payment under the promise my truck was ready. I paid and then they told me they don't know were my truck is. I called them and told them my boss advanced me the money on my check to be able to get my truck and that was ALL the money I had. At home me my wife and XXXX daughters have no water no heat and I could of used that money to help my family. They Lied to me and now my family is suffering so they can profit. I went from XXXX to XXXX for nothing yo leave broke and no truck. that truck is my way to work yo make money and they know that.. the manager just said there's nothing they can do. didn't offer my money back nothing.. not even a replacement vehicle. I'm embarrassed and depressed that I lost everything I had to try and take care of my family.I worked all week in the negative temperatures outside at my job for that money and it was basically stolen and they don't care
09/05/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • MO
  • 64836
Web Servicemember
We me and my husband bought a car from America Car Mart in XXXX Ar, We had problems from the first day of signing paper on XXXX, 2022 so car-mart asked us to contact them after the holiday weekend. That was our only vehicle to get back and forth to work and they do not offer a rental while its in the shop. Well we finally XXXX weeks later they sent me to XXXX XXXX and the maintance teck came out and asked if i could step outside so he could show me what was wrong, the skid plate was missing the rims were bent one of them. Then after that when i got home i came out to go to the store the bumper was glued on ground effects and bondo together. So We contacted corporate made a complaint and finally called again and the area manager called me and I am in joplin taking care of my mother in law she has XXXX wanted me to take it back to the dealership then it was un safe for me to drive especially on the hiway, so my husband called brain the area manager and they were supposed to put us in a new car with a new contract. What they did was immediately said we wrecked the vehicle took the car from us and my husband lost his job because of all this we have pictures, i feel like they are trying to cover their trakes and screwed and glued back togerther. They did not disclose it had been wrecked, their own teck guy that works for car mart did. They lied to get the car there and we only had itt 45 days. They are decietful... And cost someone their home there job and did not keep up their verbal promises,
08/31/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MO
  • 636XX
Web
Company : America 's Car-Mart of XXXX MO XXXX Used car dealership ) Between XX/XX/XXXX to the end of XX/XX/XXXX. Vehicle ; XXXX XXXX XXXX XXXX ( XXXX XXXX ) Price : just under {$11000.00} My credit was impacted wrong by unlawful report by both Dealership and lender due to dealership falsifying documents once vehicle was returned. The report was filed as repossession when in fact it was returned by me. The XXXX was a XXXX XXXX and when i took it for inspection the mechanic was checking the back brakes and realized the vehicles emergency break was not working properly and the only thing that was keeping the car still was a collapsed wheel hub that broke when he took tire off. So the only thing that kept the brake working was having the rear passenger tire on the hub so it stayed intact. Once i found out i just had my newborn son and when i took it back all the dealership had to say was why didnt you just keep it in gear so the car doesn't move. Knowing they sold me a faulty car that requires a XXXX XXXX since it is a XXXX XXXX they shrugged it off and i returned the vehicle. It was not repossessed because i didn't own it for more than month so i wasn't due a payment yet. This has messed up my credit and no one seems to care that this dealership risked our lives for a sale. I did not even realize this was a impact until recently when i started looking into getting a home loan and realized i have multiple credit reports when i only ever owned one credit card.
08/01/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 354XX
Web
This company is reporting an alleged debt that is past the statute of limitations for my state of alabama. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
12/06/2023 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KS
  • 660XX
Web
XX/XX/XXXX I went to Car Mart and financed a vehicle for over {$10000.00}. After having the vehicle less than a week I had it in and out of Car Mart 's Repair Service and still made my payments. I had close to 3 months left of payments for a total close to {$1300.00}. Then in XXXX of XXXX the engine blew. I called Car Mart and they had it towed to their choice of auto repair shop. Their shop stated it would cost more to fix than what it's worth. The Manager of Car Mart told me that they would " write it off '' and " I can finance another vehicle. '' From XX/XX/XXXX to XX/XX/XXXX I waited for a call from Car Mart 's Manager while still paying my car payments and a {$500.00} down payment for " the next car '' and on XX/XX/XXXX they called to let me know they " have a car ready for me to check out. '' They said I could take it for 7 days to decide weather I wanted it or not. '' I took it home and had my husband check it out. Right off he spotted several things wrong with the car. So after thinking it over I took the car back after deciding it had too many issues by the XXXX day. By XX/XX/XXXX not only did they put BOTH vehicles were on my credit report, they listed them as a REPOSITION. I called the main office and they said they would " look into it. '' After 30 days I looked again at my credit report and they lowered the amount owed but still had them as a REPOSITION.
11/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 740XX
Web
In XXXX of 2016, I purchased a used vehicle from XXXX. ( Colonial Auto Finance ) I traded my current vehicle that was purchased from XXXX towards the purchase. Within a week I started experiencing mechanical problems, and continue to over the next couple of months.After the vehicle being put in the shop for a week here and there, eventually I was told the cost to repair the mechanical issues were more than the vehicle was worth, but they could do a return or 'acceptance of collateral ', which would satisfy the purchase price of the vehicle and in turn would not have a negative effect on my credit. I agreed to those terms and went elsewhere for my next vehicle purchase. About a year ago, while trying to get financed on a house, we were told this debt was showing up negatively on my credit report. I contacted the dealership where I purchased and spoke to the manager I had done the deal with. He reassured me he would get in touch with the corporate office, and remedy the situation. We have disputed the debt through credit-monitoring companies, but still have a derogatory remark on our credit, showing the account is closed and the remaining balance was never satisfied. We have requested removal. We have contacted the finance company directly, who told us it should reflect negatively because it shows us to be current on payments, however there is no balance due.
08/10/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • GA
  • 31206
Web Older American
I was a second time customer with the company. First vehicle was paid off successful but management had changed with the second vehicle. Vehicle purchased XX/XX/XXXX and all payments were current. In the month of XXXX, when the due date arrived, I spoke with the corporate office and informed them I would be making the current payment when by next Benefits from Social Security was received. I received a phone call and a home visit from representatives from the local office stating I needed to come into the office to discuss the matter. These occurrences were XXXX day before the second Tuesday of the month ( the day I received my benefits ). I went into the local office and spoke with the XXXX ( advised her I had spoke with the XXXX XXXX ) and she informed me that If I couldn't make the payment at that " moment ' I would need to provide her with the key and leave the vehicle. During this conversation she also informed me that my additional " TAX PAYMENT '' had not been made. This company charges and " extra '' payment to customers at the beginning of each year. In closing, keys were surrendered and I cleaned out the vehicle. When I approached the vehicle someone had already placed the seat belt through the steering wheel so the vehicle couldn't be move. I received a notice of plan to sell property dated XX/XX/XXXX ( XXXX XXXX XXXX XXXX
11/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IA
  • 50021
Web
I have reached out to XXXX on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are Colonial Auto Finance & XXXX XXXX XXXX Colonial Auto Finance is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. XXXX XXXX XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a XXXX as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.
03/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 368XX
Web
My car went into the shop in XX/XX/2021, I made payments up until XXXX of 2021 when XXXX informed me that I could halt on my payments until I get my car back from the shop. It took them 6 months to fix my car. I got a call on XX/XX/XXXX to get my car back. The moment I went and got my car, I went straight to Car-mart and paid what was owed ( I have the receipt and paperwork ) and I asked them why my credit report showed repossession. I was assured from the assistant manager that corporate put false information and my report would be fixed. I made another payment a week and a half later. It's been 20 days and my report still say repossessed and closed. My car was never repossessed, and I am still making payments on this vehicle. I have contacted the lender and they told me that they could write a letter stating that my car was never repossessed and for me to dispute it on my report as well. I disputed it and it's been denied by the lender. I have contacted them multiple times regarding this, and they are refusing to fix this issue due to their system stating my account is active. I have receipts and paperwork to prove that my car was never repossessed it was in the shop. I have never been late on a payment with this company until they told me that halting my payments to get a rental car is what they suggest.
06/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • XXXXX
Web
XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, XXXX, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.
05/29/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 66215
Web
On XX/XX/2021 ( tracking # XXXX XXXX, I sent a certified letter via USPS mail to XXXX requesting the debt be verified. On XX/XX/2021, XXXX sent me investigation results showing the account was updated but sent no documents proving I owed the debt. On XX/XX/2021 ( tracking # XXXX ), I sent a certified letter via USPS mail to Colonial Auto Finance/CM stating that I felt my rights were violated as a consumer by their company for failing to validate the debt at my request and requested proof of their right to own/collect this alleged debt within 15 days of the letter. The letter sent to Colonial Auto Finance/CM was, '' delivered, Left with individual '' XX/XX/2021 at XXXX. I did not receive proof from Colonial Auto Finance/CM 15 days prior to sending a letter to them requesting proof of the debt. On XX/XX/2021 ( tracking # XXXX XXXX, I sent a certified letter via USPS mail to XXXX explaining to them this is my third written request and final warning. Colonial Auto Finance/CM has no proof I owe this debt and I intent to pursue litigation in accordance with the FCRA to enforce my rights as a consumer. On XX/XX/2021 I received a letter from America 's Car-Mart dated XX/XX/2021 stating, " We do not provide general validation of account information or provide account statements. ''
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • XXXXX
Web Servicemember
XXXX XXXX XXXX XXXX : Account # XXXX for the ammount of {$1400.00}, XXXX XXXX : account number XXXX for the ammount of {$760.00}, XXXX XXXX XXXX : account number XXXX, XXXX XXXX : account number XXXX for the ammount of {$2500.00}, XXXX XXXX account number XXXX IN THE AMOUNT OF {$1400.00} I Certified Mail Documents to each individual company informing the entity of my invoking Common Law Rights. Also, the Law pertaining to the Fraud of doubble dipping against the fictious entity bu use of the asociated Social Security Number that was set up ans assigned for ofial use by me the Authorized Representative. The above Cincorporated Entities have and are sill exploiting my name are committing against my Fictitious entity name. I am the only Authorized Representative with the proper claim to the entity/ ficticius I also constructed an official Afiidavid of All Accounts are Prepaid. According to The Post Master 's General Rule or also known as the Mail Box Rule The Companies, the Corporations have accepted the binding Contract I sent to each. I am an Americal National only under the Authority of XXXX itself. I am Sovereign, Free, and can not be forced into a fictitious and fraudulent agreement with a dead entity. One I am not a part of in legal ties.
01/12/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 721XX
Web
Colonial Auto Claim they were giving my consent to furnish such inaccurate information on my consumer report. The so-called proof that's provided isn't Verification or Validation due to the fact that you are a debt collector aka non-affiliated third party and you also have my non-public personal information which is identity theft. I never gave you the elaborate mechanism written consent to use my personal information. That is violation of my privacy. According to Tila ( Truth in Lending Act ) aka Regulation Z you are in fact in VIOLATION due to unlawfully furnishing inaccurate deceptive information knowing such furnishing would create false beliefs, Also there are plenty of violations within the contract lets like the down payment its against the law to mix a consumer credit transaction with Cash. Apr as well not supposed to go past 10 %. Also what securities were given to your corporation? The extra charges as well any extra charge such as : shall be within the finance charge. The finance charge includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the CREDITOR as an incident to or a condition of extension of credit. So who's credit is it really?
09/30/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • OK
  • 741XX
Web
My car is in the shop for warranty repair on XX/XX/2023 and Car-Mart keeps lying to me about when it will be ready. I was originally told the parts were ordered and shipped to the shop XX/XX/2023, only to be told the very next day that the parts were shipped to the wrong shop XX/XX/2023 and they would have to reorder the parts. It is now XX/XX/2023 and I was asked to come and speak with someone, they said they have no idea when my car will be ready. I'm left owing money for a car that I need to make it to work but not able to make it to work. I can't stop doing business with the company because I signed a contract. I work out of town and haven't been able to make it to work this entire time and may end up losing my job because of this. I am making life decisions based off of this information but the people giving the information don't have the courage to tell me the truth. They reduced my payments to {$50.00} for a month, and told me they don't know when my car will be fixed. I only purchased the Car in XXXX of XXXX so to have so many problems only within a month of buying the car with no resolution is crazy.
05/03/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • IA
  • 50010
Web
I bought a XXXX caliber from XXXXXXXX XXXX ( XXXX XXXX XXXX, this vehicle quit running 3 a few weeks after purchase so XXXX auto sent it to 2 different automotive repair shops for repair Unfortunately neither repair shop could figure out what was going on so it was not fixed The manager at the time ( XXXX ) offered to trade me out of that caliber into a different vehicle, so I took that option, this vehicle is a XXXX XXXX XXXX XXXX XXXX which is now paid off, now a couple years later I decided to buy another car and I find out that there is a voluntary repossession on my credit repair, I called XXXX to remedy the situation and I talked to XXXX who is the district XXXX at XXXX auto He knows exactly whats happened and said that if I have any problems to call him. I do still have the recorded message of XXXX and Is conversation about said vehicles as my XXXX is set up to record phone calls. I have tried a couple times to dispute said report with no avail Id like this inaccurate information taken off my report asap before I am forced to take other action against XXXX XXXX
02/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 65301
Web Servicemember
I got a loan for a XXXX XXXX XXXX thru car mart located in XXXX mo in 2019. I had the XXXX for a week and the front end would make a very loud pop coming from the suspension when braking. I brought it back to them which I got hassled about it but they told me to leave it there. I came back next day the manager said they checked it out and they found nothing wrong. I took the vehicle and on the way home it popped again and over the next weeks it got worse. I finally called them and told them I didn't want it if they didn't fix it which I missed a payment they repoed it but they said they looked at it again and they didn't find nothing so I made the payment and got car back. It got worse so I told them I did not want it. They said no problem .I made a XXXX down payment plus 2 paymentswhicj my payments were {$450.00} a month They came got it they resold it and I was out {$1600.00} and got a report on my credit I'd like to have my money back and the repo taken off since they turned around and resold it and took my XXXX for a lemon
10/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 721XX
Web
Pursuant TO 15 USC 1692J COLONIAL AUTO IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. COLONIAL AUTO IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT CAR MART WAS THE COMAPANY I DID BUSINESS WITH. COLONIAL AUTO IS XXXX IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS AUTO LOAN AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND COLONIAL AUTO TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT
01/20/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IA
  • 503XX
Web
I first disputed this account with the 3 Credit Bureaus beginning XX/XX/XXXX-XX/XX/XXXX & after many attempts of disputing this account with the Bureaus only to get results stating that they verified this account & that the furnisher State the account was reported accurately I decided to move forward with my disputes with the company. So in XX/XX/XXXX I sent XXXX XXXX XXXX/CAR-MART a letter asking for documentation of paperwork that says I owed them a Debt for this account & in return they sent a letter stating that they were unable to verify this account & needed more information when in the letter attached I submitted what information was on my Credit Reports with the Bureaus. So during XX/XX/XXXX I sent XXXX XXXX XXXX/CAR-MART a Debt Validation Letter only to get a response stating that they dont provide general validation of account information or account statements so @ this point I decided to move forward with a complaint to enforce a Validation of this account reporting on my files with the Bureaus.
10/11/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • MO
  • 654XX
Web Servicemember
I got a car with Americas car mart in XXXX, Mo XX/XX/2022. Ive had nothing but issues with the vehicle since I got it. It took them a year to fix my heater. Ive mentioned other issues and they dont even want to address the issues. I paid extra on the loan to add a service contract that is close to expiring. The car is only valued at around {$3000.00} and by the time Im finished paying the vehicle it will have paid XXXX or XXXX on a car that is literally falling apart. The car is going to end up breaking down before its even paid off. This company is crooked and severely over priced on their inverntory. They made me feel as though I was getting a deal but I have not. Not even a month into owning the car I had to replace all the tires on the car, the muffler is going out, the engine/transmission is slipping and half the time the car doesnt want to crank. I no longer want the car and I feel if I try to return the car they will fight me on it. I have already been cheated out of plenty of money.
10/03/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AL
  • 351XX
Web Servicemember
I am a third party. I received 3 calls from Carmart in XXXX. I do not have an account with Carmart, no one living in my home has an account with Carmart, no one in my home has given Carmart permission to contact them. The 1st call on XX/XX/XXXX they left a message and asked that I have my daughter XXXX call them that it was URGENT. XXXX does not live with me, we are estranged. I did call her. It was very awkward. She apologized and said she was behind on her car payment that she would call them. The second call from Carmart, also on XX/XX/XXXX Carmart didn't leave a message. Todays call, XX/XX/XXXX, I told them I had already asked my daughter to call them back and then I asked them to stop calling me. They said they would not, they said they would call me three times a day until I had my daughter call them back. I have given them all the contact information I have for XXXX. This feels like harassment, so I told them I would report them. They said go ahead.
09/28/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • AL
  • 36116
Web
XX/XX/XXXX I was sold an XXXX XXXX XXXX XXXX from XXXX XXXX XXXX under fraudulent, also illegal business pretenses XX/XX/XXXX several issues very costly issues started to manifest with the vehicle. I contacted Americass Car-Mart the XXXX, Alabama A memorial location where I had purchased the car the electrical system, the engine, the transmission, the good release cable, the radiator, and last but not least were some and many more issues. After getting the run around from the company for three weeks finally. XX/XX/XXXX the date I was to make my first payment they told me to come in to the office. still to no avail after being threatened I have the evidence to corroborated, and explain in better details all the XXXX ill and fraudulent activity of the company. Now after 15 + attempts to fix the under warranty issues I'm out of XXXX loss of wages in addition to out of pocket cost that I had to stand on the vehicle that is still not repaired
12/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MS
  • 397XX
Web
On XX/XX/2020, I wrote a letter to America 's Car-Mart asking them to provide proof of legal notices that they were required to send to me after the repossession of a car. I received none of the notices that were required. They responded with a letter dated XX/XX/2020 stating that they had reviewed the account information, however, they were not able to locate the account and asked for identification. I responded with a letter asking them to delete the account that is being reported on my credit reports because they can not find the account on XX/XX/2020. I also sent them a copy of my driver 's license and social security card. On XX/XX/2020, America 's Car Mart responded with a letter basically telling me that they do not validate account information. I was not asking for validation. I asked for proof of legal notices being sent to me since they are reporting a repossession on my credit report.
07/20/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 763XX
Web
I purchased a jeep wrangler thru Americas Car-mart and allowed a family friend to take over the payments. No paperwork was ever signed, she was not legally allowed to discuss the account or make any arrangements. They were legally required to call me for any past due payments or any payment arrangements. However its come to my attention its becoming a pending repossession they have not contact me about it or any payment arrangements that have been made. There has been changes to the account and I have been contacted at all. There was no paperwork entailing anyone but me to make any arrangements on the jeep wrangler. Now it is becoming a repossession on my credit and still havent heard from anyone about it. I was the general manager for the company. They are now following policy and procedure and letting someone sign for me to make arrangements on the account.
05/03/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 747XX
Web
I have tried to call repeatedly and speak with someone to settle and get on a payment plan for the amount owed and noone will answer. I have tried several options on the automated system that pops up when I call. When I spoke with them over a year ago they stated that they would not email me or mail me any information regarding this debt and at that time I had called them in the company of my credit councilor when I began trying to fix my credit. Since then I have made several attempts to call and they just don't answer. This debt is severely impacting my ability to purchase a home that I currently have under contract due to their failure to ensure that they are reachable or send me any information about this debt so that I can try to resolve this. The Company name is Colonial Auto Finance and they do the financing for a Buy here/Pay here lot called XXXX
01/16/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AR
  • 721XX
Web
You never provided Verification or Validation of this alleged debt I asked for the XXXX oid and also the opt out document that presented to me during the consumer credit transaction. I also asked for the document with my consent for your corporation to put anything on my consumer report. I never received those documents and yet you still furnish the inaccurate information on my XXXX report Violation. Then if you look at 15 usc 1666b a down payment was given for both consumer credit transactions that shouldve have. You can not mix cash with a credit transaction. Theres no statue of limitation On fraud and as you can see your corporation and your partner XXXX XXXX are in default of both accounts due to the fact that they did not explain my contract conspicuously and due to the fact that you have no rights to the security interest in both transactions.
01/16/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AR
  • 721XX
Web
You never provided Verification or Validation of this alleged debt I asked for the 1099 oid and also the opt out document that presented to me during the consumer credit transaction. I also asked for the document with my consent for your corporation to put anything on my consumer report. I never received those documents and yet you still furnish the inaccurate information on my XXXX report Violation. Then if you look at 15 usc 1666b a down payment was given for both consumer credit transactions that shouldve have. You can not mix cash with a credit transaction. Theres no statue of limitation On fraud and as you can see your corporation and your partner Car Mart are in default of both accounts due to the fact that they did not explain my contract conspicuously and due to the fact that you have no rights to the security interest in both transactions.
07/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 760XX
Web
Colonial Auto Finance ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba Car-Mart of XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30161
Web
The account was open on XX/XX/2021 and closed out XXXX XXXX. The car was a XXXX XXXX which has a life time warranty on the motor and transmission. The motor blew up and I had it towed to Car Mart where I purchased the vehicle from. They kept it in the shop for over a month before telling me I had 2 choices : A : keep the vehicle and allow them to put in a used motor with no warranty at all coast to me. Which they estimated around {$4000.00} to be added to my existing loan. They where trying to gouged me. B : let them put me in a new vehicle, start my loan and my warranty over again. They assured me this would not effect my credit and it immediately dropped my score XXXX points. I need this to be deleted from my credit report asap if at all possible. It is effecting me buying a house. Thank you in advance XXXX XXXX ( XXXX )
04/05/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Credit denial
  • GA
  • 30106
Web
Did not no for 2014 XXXX was XXXX XXXX he told us something different and they would let me go by social security income and the car is XXXX holder name which he it was too high for me they is some rude people and cut the car off if u one day late thats wrong when I told them I get a check on the first of the months.so I would love that to go off my credit. In the XXXX XXXX was that came from car mart was a lemonade and that the man name XXXX work down there told me he just want use my income for the person that got. Car and he stilll add my name to car when u told him not they rude also lady. Name XXXX and I be call heads company and told them what boy did they my names didnt post go on the car period so he ack did some fraud stuff that was wrong and I told the lady can she please take off that car car/mart in XXXX Ms
01/20/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35405
Web
I purchased a vehicle from this company and it was in a car accident and was totaled out. The company put the remaining balance on my credit report without speaking with me first to resolve this debt. The company then gave me another vehicle in which I paid out completely I have reached out numerous times to the credit bureaus to dispute this debt. I have reached out to the original creditor to try and get information about the company that the debt was handed over to but no one seems to know the information. I have tried several times to contact all numbers listed on my credit report for the creditor of the vehicle but the number is disconnected. It seems that the creditor is no longer in business but this is still on my report and there is no way to resolve this debt on my end because the company no longer operates.
10/27/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Loan balance remaining after the vehicle is repossessed and sold
  • GA
  • 313XX
Web
This should be removed immediately! It's been 8 years and repos are supposed to be removed 7 years. I voluntarily gave up the suv bc it kept dying on me while was DRIVING it. I want this removed within 15 days COLONIAL AUTO REPOSSESSION/FORECLOSURE Auto Loans {$4300.00} Status Date Reported XX/XX/XXXX Payment Status Repossession/Foreclosure Account Status Derogatory Amount Past Due {$4300.00} Account Details Account Type Auto Loan Responsibility Joint Original Loan Amount {$7700.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$4300.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$250.00} Term XXXX Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX ) XXXX
11/14/2022 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 75068
Web Servicemember
Carmart is reporting to my credit report after XXXX of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. carmart is violating my rights XXXX XXXX XXXX XXXX ( d ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX and XXXX XXXX. XXXX, XXXX. Also violating state laws XXXX XXXXXXXX of the XXXX XXXX XXXX prohibits a XXXX-party debt collector or credit bureau XXXX XXXX in debt collection in XXXX unless XXXX XXXX debt collector or credit bureau has obtained XXXX XXXXXXXX XXXX and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX THey claim they can not find my account however after they sent the latter they updated my credit profile.
11/01/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • AR
  • 720XX
Web
I purchased a vehicle with a company using this finance company. Driving the vehicle, after having it for two years and almost being paid in full never missing a payment, and giving all income tax checks for two years, the motor completely blew up on the side of the road. XXXX had vehicle towed to local mechanic where it was held for two weeks. I spoke back and forth with general manager, and they would not agree to trading it back in for another vehicle. Instead they insisted that I pay the nearly 5 thousand dollars extra to have a complete new engine put in, and refinance for 4 more years on top of what was still remaining in original loan. Once we stated that it was a bad idea we never heard another word from anyone at XXXX, or was ever made aware of the debt placed.
05/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 736XX
Web
I Have discrepancies on my report in towns I never lived, and names spelled wrong on at least 2 of them which aren't mine and it is still showing information from when I was married and filed bankruptcy even before getting divorced in 2010 so none of that should be on there. Also, with the one showing I had late payments is false, I was never late with them, they had me set up on something I knew nothing about until they said I was 60 days late and then said oh our fault, but it's already been reported to credit bureau, nothing we can do about it. I want it off my record. I should have good credit ; no excellent credit and I am tired of not being able to even get a loan to fix my house up because the false information on my report. Thankyou.
08/13/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AL
  • 36067
Web
I bought a used vehicle from car mart in XXXX Alabama the next day the vehicle breaks down and I bring it back they would not cancel the finance instead they say they will repair it well after it being gone for months I get it back mind you paying them for a car I didnt have it breaks down again i never even had a chance to buy a tag for it. They the. Refused repair and I told them to fix it or give me another and they refused both I then told them I will hold payment until its resolved they then repossessed the vehicle and sold it and reported it to my credit. But even when I bought the car no loan was reported no payment were reported so how can they report a balance due for the full amount of the vehicle?
07/30/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • AR
  • 72758
Web
When attempting to modify the terms of my loan and set up a new payment arrangement due to financial hardship ( XXXX concerns, etc ), CarMart asked for me to bring in a copy of my bank statement as support that I did not have the funds. I told them I did not feel comfortable providing my banking information to them. The manager, XXXX, was very angry on the phone and said that I provided this information when taking out my loan, which is materially false. I was able to get my loan appropriately modified, but am reporting the request for personal financial documents including bank statements with account numbers and balances, that were unredacted and without personal identifying information.
01/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 75020
Web
I am only XXXX days late on my payment. I only owe XXXX payment. I have requested many times that they change my payment to monthly instead of every two weeks, because I have been pate before. I am only late XXXX payment maybe no more then XXXX days at the most when I am late. But why I am so upset about is they call me three times a day between XXXX. I have kept records of all the calls and messages. To me it's annoying and consider harassment. I work overnights, sleep during the day they know this, but they continue to call repeatedly. I can understand them calling if I was XXXX payments behind, but I have never been but XXXX behind no more than XXXX days. Isn't this harassment?
08/17/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • MO
  • 64093
Web Servicemember
Purchased car w financing through car mat car caught fire while sitting without anyone near it or in it within the first 48 hours. Car mart exchanged car taking responsibility for fire. They did not replace my items or assist me with medical from me burning hand while putting out fire. They put me another car that lasted less than 4 days due to it over heating XXXX Down I believe. I had to cover the towe of car back to the facility. From there they gave me the run around for two months and lied to my insurance about be not being compliant. They refused to tell me where my car was and they put me down as non payment and repossession now sits on my credit. Car mart stole car
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • GA
  • 31206
Web
XXXX of XXXX I purchased a vehicle from America 's Car-Mart and received a loan through Colonial Auto Finance . Car-Mart has continuously lied, deceived and tricked me regarding repairs of my vehicle. I had enough of it it on XX/XX/XXXX and communicated with a lawyer to submit my Revocation of Acceptance due to the fraudulent nature of their behavior. Despite this, they continued to report to the credit bureaus that I missed payments, in turn hurting my credit score by XXXX points or more. The case with Car-Mart is in litigation, and has been since XX/XX/XXXX, and due to my revocation, there should never have been any reports against me made by Colonial or Car-Mart.
07/16/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • KS
  • 664XX
Web Servicemember
On XXXX XXXX, 2014, I purchased a standard used XXXX XXXX from America 's Car Mart Inc. in XXXX, TN, for {$14000.00}. Today the XXXX XXXX XXXX price is listed at or between {$1500.00} to {$1700.00}. The annual percentage rate extended to me at the time was at 15 %. I 'm currently financing the vehicle in-house through America 's Car Mart. Since purchasing the vehicle I have made all payments on time ; however, I simply can not afford to continue making these high payments. For the first 3 months, I paid {$310.00} dollars every 2 weeks for payment, I currently pay {$240.00} dollars every two weeks for payment. I have 38 more payments before my last payment is due.
06/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31088
Web
Identity theft has affected me. I've been stuck at home due to the Corona Virus Pandemic, which has me concerned. I recently saw news reports regarding numerous XXXX data breaches. When I went to check my credit reports from the XXXX major credit agencies, I discovered that my identity had been stolen. I don't know how the theft happened. Additionally, I am not aware of any suspicions. Identity theft did not cause me to receive any cash, products, or services. I spoke with the credit bureau, who advised me to report an identity theft, which I am currently doing. I value the work you put into solving this problem. Many thanks. If you do, kindly let me know.
12/09/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 763XX
Web
UPON INVESTIGATION, IT HAS COME TO MY ATTENTION SEVERAL LISTED BELOW DEBT COLLECTORS HAVE REPORTED NEGATIVE ACCOUNTS ON MY CREDIT REPORT ALL WHILE NOT BEING LICENSED IN THE STATE OF TEXAS NOR COVERED BY A BOND TO DO SO LISTED BELOW ARE THE CREDITORS CAUSING HARM TO MY CREDIT REPORT WITHOUT ACCURATE RIGHT TO DO SO : XXXX XXXX XXXX ( TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 72015
Web
I had a car loan thru Car Mart for a XXXX XXXX XXXX. The payments were due weekly and added up to XXXX monthly. I had my account set up on autopay and never missed a payment. I checked my payment history and it says I was late 30 days. I have had two vehicles paid in full with this company and never missed one payment. I tried reaching out to corporate and they told me to reach out to the credit bureaus. I did. I sent a dispute about the pay history being incorrect. They in return said the information was accurate and would not investigate the matter. I want the payment history updated to all payments on time.
01/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 720XX
Web
After numerous efforts to resolve this I am hoping you can help. XXXX XXXX, on an account I paid in full : Account number XXXX Opened XX/XX/12 For some reason is reporting in violation of the FCRA that I was past due 30 days, this is simply inaccurate to my consumer report. I did not realize but I am being denied favorable credit terms and this inaccurate reporting is causing it. I have retained XXXX XXXX XXXX on an unrelated manner, but I figured surly on a paid account the creditor would correct their inaccurate records without legal action. Thank You!
06/03/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with the interest rate
  • MO
  • 654XX
Web Servicemember
I purchased a XXXX XXXX XXXX at Car Mart in XXXX, MO and have tried to get the interest rate adjusted under SCRA to 6 % as this purchase was pre service. I spoke with the Finance Manager on the XXXX of XX/XX/XXXX while with my Financial Counselor, and they stated that they were going to reach out to their headquarters for more information regarding SCRA benefits and they would contact me. It has been over a week now and still no resolution to my request. I do not understand why it it taking so long for their response. This is a Federal law which is very clear.
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36116
Web
Accordance to the fair credit reporting act XXXX account below has violated my rights 15 u.s.c 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX NEGATIVE Balance {$6400.00} Updated on XX/XX/2022 COLONIAL AUTO FINANCE/ POTENTIALLY NEGATIVE Balance {$9300.00} Updated on XXXX
04/21/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AR
  • 726XX
Web
Me and my husband was buying a car off XXXX ar XXXX XXXX and we had problems with it since the beginning check engine light was on it stopped turning on every week when I called to get it fixed they didnt have time or we just fixed it so returned the car and they called me everyday threatening me that they were ruin my credit score and take me to court the guy that sold it to us was XXXX this was year of 2015 I told them to stop calling me and they didnt listen they said we going to take u to court and I told them lets go then
02/17/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 750XX
Web
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Colonial Auto Finance using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas XXXX for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
01/29/2021 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • GA
  • 30741
Web Servicemember
XX/XX/2020 car was surrendered back to the used car lot bc I didn't have the {$1200.00}. They said it was only going to be XXXX but when I tried to pay that, it wouldn't accept anything but the XXXX. Spoke with XXXX the manager and told her that if I don't have the money the car would come back. The was returned on XX/XX/2020, along with note stating not to be contacted by their company. The have continued to contact me non-stop in a harassing manner 3-4 times a day and showing up at my workplace.
09/19/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • MO
  • 64836
Web Servicemember
We had problems from day one they did not disclose the vehicle was wrecked and glued back together there own machanic showed me. i have pictures and the bumper came off the glue did not hold.The XXXX XXXX XXXX has the same complaints, They lied to us stating they would put us in another vehicle re do our contract then re po the vehicle we lost out jobs and house over this. my credit report sucks now we live in a park and never in my life have i ever been XXXX i am embassed to say the least.
07/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37040
Web
I volunteered to give the car back in XX/XX/2017. They sent me a letter stating they were selling the car and that if they get more money than what was left on my loan then I wouldn't owe. However no one can tell me what the car sold for and they won't return my calls. Please contact the XXXX and confirm the amount they sold the car for. Also they put I didn't pay in XXXX and XXXX but they had already sold the car. They send these letters to everyone who gives a car back and they sell it.
05/31/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • GA
  • 30121
Web Servicemember
Americas Car-Mart at the XXXX locations are selling cars without titles, not filing registration title paperwork and forging signatures to complete the work. They had a compliance team scrambling to complete title work. They were forging signatures to complete everything they couldnt get completed. This is known to be done at the XXXX lot as well. They are also signing customers up for tax payments without customers knowing to keep payments low and refinancing the loan when it comes due.
10/20/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 759XX
Web
I received no information from company nor would they assist or agreed to assist with the identification of the sales agent or proof it was me that co signed. When I had to have a co sign for my own account. I only learned about this account XXXX moths ago and thats the reason I was never notified or contacted and it is why the account being open closed for years but I only was notified a few months ago that I had late payments of a closed account in collections
09/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • GA
  • 30144
Web Servicemember
To whom it may concern : I XXXX XXXX did some more research on the repossession I am trying to get removed from my credit report. In the state of Oklahoma they are required to put in writing how much to get the vehicle back, when and where they are selling the vehicle such as a public auction or private auction. What time and how much. Also aren't they supposed to deduct what ever they sold the vehicle for. Please get back to me and thank you kindly.
03/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 755XX
Web
Colonial Auto Finance is reporting my nonpublic personal information which are credit transactions and my experiences between them. Which is illegal Pursuant to 15 U.S.C 1681a ( 2 ). I am now opting out of your reporting of my nonpublic personal information. For as the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, nonverbal.
04/06/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MS
  • 39305
Web
They want listen nothing u say one lady who have my friend account she is rude to him I have her fuss at him at and that not rite that bad customer service he tell he be trying and she be saying that not my problem she gave smart mouth his account so now they kept reporting to credit people when he told them come in get it cause he lost his job. Its just to much gone on down there. They tell u anything need new people in there
04/06/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MS
  • 39305
Web
They want listen nothing u say one lady who have my friend account she is rude to him I have her fuss at him at and that not rite that bad customer service he tell he be trying and she be saying that not my problem she gave smart mouth his account so now they kept reporting to credit people when he told them come in get it cause he lost his job. Its just to much gone on down there. They tell u anything need new people in there
05/17/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AR
  • 72209
Web Older American
I am being charged four hundred percent interest on a partial payment made of XXXX instead of XXXX, the contract allows a partial payment, with a small interest on the last payment. I am being threatened with repossession if l dont pay XXXX interest for the partial payment, by Discount auto, when the contract is with american carmart. All payments made since the partial payment are not going toward the principal.
11/10/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 238XX
Web Servicemember
I called carmart to notify them about my payday falling on the XXXX and XXXX. I asked to have my contract modified before my due date. They refused to modify but the manager did say she would notate the account that I would pay half on the XXXX, which I did and the other half on the XXXX. If I spoke to the general manager why is the account rep. Calling me 5 times a day or three times in a row back to back?
09/06/2022 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 75068
Web Servicemember
Carmart is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. Car mart is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337
09/06/2022 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 75068
Web Servicemember
XXXX is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. Car mart is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337
01/20/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MO
  • 640XX
Web
Americas car mart continues to call more than 3 times a day, leaving multiple messages. Notes were given that I could not make it in due to work. And calls continue. The main collector at the XXXX location XXXX, is rude and spiteful, sometimes laughing at others misfortunes. She has repeatedly stated she does not care how many times she calls per day.
07/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • XXXXX
Web
On XXXX XXXX I received i letter from Car Mart stated I was granted a settlement of {$4200.00} for a vehicle I had repossessed. The agreement was to have that amount paid by XXXX XXXX. I paid it off XX/XX/2022. The company will not updated my information to the credit bureau even after dispute. I have proof of letters and receipts.
06/23/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • TN
  • 37040
Web
carmart in XXXX tn sold me a lemon that within 2. months the car started to break down with issues htye couldnt repair i let the car goback since i couldnt afford to continue put the car in shop and not get fixed car was suppose to be sold at auction car was never sold and i was charged with a repossesion on m y credit report
10/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37421
Web
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
08/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30144
Web Servicemember
Hello on my credit report it shows the original balance is {$10000.00} but on my contract when I bought the car it shows the original balance is {$10000.00}. XXXX you please help me get this removed from my credit report since its inaccurate. Thank you kindly
01/03/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 361XX
Web
Account opened : XX/XX/XXXX Amount : XXXX I have sent out XXXX letters asking to have debt removed from my credit to seek relief and monetary damages, & the company has failed to verify items. Ive sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
12/27/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OH
  • 43227
Web
XX/XX/XXXX car loan with Colonial Auto Finance {$5200.00}. This account is now over 7 yrs, closed account, vehicle does not run. All payments were on time. Dispute was made XX/XX/XXXX with XXXX removal was denied after request if " Goodwill Deletion ''
02/21/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • AL
  • 36117
Web
I tried to trade my car in not being informed the worth of the car until I started looking at something new. My car value is {$2000.00} and they want me to pay {$22000.00} with {$820.00} a month on this car. I only had the car for two months
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • AR
  • 720XX
Web
I settled this Debt with Colonial Auto Finance and it was agreed after settling for a lesser amount it would be removed or marked as paid in full. However much like their vehicles they conned me again with their broken promises.
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 74011
Web
This car loan isn't mine the colonial auto finance says I pay XXXX month it maybe on time but it isn't mine. Also all the inquiries are right I only applied for XXXX XXXX XXXX didn't give permission for the other ones for 2022.
05/16/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • MS
  • 386XX
Web
I signed a contract for XXXX year loan and the company does not extend loans further than XXXX years. I have surpassed that XXXX years and upon inquiring Im being told someone refinanced the account but it doesnt show who.
06/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75501
Web
I writing to dispute the following inquiries and asking for their removal from my credit report. XXXX and XXXX are showing different XXXX XXXX said my payments XXXX a month and the account is charge off and closed.
05/25/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MO
  • 648XX
Web
It was written off. In first place I had ins with them car was totaled and they were paid, then they tried to get me to pay again. I was sent letter it was written off and it's not being taken off my credit
07/26/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • AR
  • 727XX
Web Servicemember
Purchased a car from carmart and would not fix car when asked so missed one payment and acct rep sd they were taking us to court and going to garnish our checks. Was rude and saying rude things.
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75081
Web
Someone opened an auto loan in my name, They repossessed the car and added it on my credit report with a balance. XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX : {$1800.00}
03/14/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • GA
  • 310XX
Web
Colonial auto finance Repossession of the vehicle, account closed. Remaining balance due XXXX $ Original balance XXXXXXXX XXXX XXXX XXXX paid off Account opened XX/XX/2016
12/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 724XX
Web
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for
04/13/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • GA
  • 30180
Web
Vehicle was illegally repossed. Vehicle was covered with a car cover. The car cover was removed. The repossession agent can't remove or move from the vehicle.
08/01/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 356XX
Web
Purchased vehicle and received title once debt was paid in full. Went to get a credit report and there's a charge of {$160.00} from America 's Carmart.
09/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 802XX
Web
I agreed to a payment plan with the company in XX/XX/2020 during covid, l have the agreement and they still reported it as late payment
09/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 802XX
Web
I agreed to a payment plan with the company in XX/XX/2020 during covid, l have the agreement and they still reported it as late payment
08/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30012
Web
I didnt not sign a contract or did any business with XXXX
10/17/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AR
  • 721XX
Web
This Corporation is in violation of my rights
02/05/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30008
Web
02/05/2024 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 756XX
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • TX
  • 77063
Web
01/23/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30102
Web
12/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 76522
Web Servicemember
11/02/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Voluntary repossession
  • ND
  • 58103
Web
10/24/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37018
Phone
10/17/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Repossession
  • Damage caused or loss of personal items in vehicle during the actual repossession
  • MS
  • 38655
Web Servicemember
09/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IL
  • 62269
Web
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 71601
Web
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32712
Web
07/27/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • KY
  • 42021
Web
04/27/2023 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • MS
  • 38852
Web
04/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AR
  • 72762
Web
04/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78006
Web
03/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75840
Web
01/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75160
Web Servicemember
12/09/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • FL
  • 33594
Web
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72315
Web
10/13/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CO
  • 80466
Phone Servicemember
08/09/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AR
  • 72157
Web
05/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 39702
Web
04/25/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31632
Web Servicemember
03/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 35960
Web
03/02/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • AR
  • 72150
Web
02/27/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35405
Web
02/22/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • KS
  • 66215
Web
02/08/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • KY
  • 42320
Web
02/01/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • AL
  • 36081
Web
12/27/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • OK
  • 749XX
Web Servicemember
11/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MS
  • 38643
Web
10/02/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • KS
  • 66215
Web
09/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 67226
Web
09/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • KS
  • 66215
Web
05/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 65775
Web
10/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
Phone Servicemember
10/20/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MS
  • 38801
Web
07/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AR
  • 71657
Fax
12/30/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
Phone
10/03/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KY
  • 42003
Web
07/17/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
Phone
07/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • KY
  • 40208
Web
03/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • KY
  • 42101
Web Servicemember
01/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 72734
Web Servicemember
01/04/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AR
  • 72417
Phone
08/10/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
Phone
07/03/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • KY
  • 40372
Web
06/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30014
Web
03/17/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 42274
Web
02/16/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
Phone
02/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89101
Referral
02/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • MI
  • 49036
Web
01/23/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • MS
  • 39739
Web
01/20/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MS
  • 39739
Web
01/08/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MS
  • 39739
Web
10/25/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 77055
Web
09/06/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • HI
  • 96786
Web
02/23/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • KY
  • 40160
Phone
11/03/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OK
  • 74106
Referral
09/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30054
Postal mail
08/04/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AR
  • 72758
Web
03/03/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • KS
  • 67114
Web
11/10/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 36054
Web
09/09/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AR
  • 71701
Postal mail