Americas Car-Mart, Inc.

I am filing this complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX. This account is being reported with a repossession status and a balance that I dispute as inaccurate. The information being furnished is inconsistent across credit reporting agencies and continues to be updated despite prior disputes. I previously disputed this account and requested validation, including a complete payment history, the original contract, and documentation proving the companys authority to report and collect on this account. The company failed to provide sufficient documentation to verify the accuracy of the information being reported. Despite being placed on notice, XXXX XXXX XXXX XXXX XXXX report this account without properly validating the debt or correcting inaccuracies. This constitutes a failure to conduct a reasonable investigation and to ensure maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ).…

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The companys response confirms that they are unable to identify or verify the alleged account in question. Despite this, the account continues to be reported on my credit file. Under the Fair Credit Reporting Act, a furnisher is required to conduct a reasonable investigation and ensure the accuracy of the information being reported. If the company can not identify or verify the account, it should not be reporting it at all. Their request for additional information from me further demonstrates that they do not have sufficient records to validate the account. This is not compliant with their obligations under federal law. At this point, the continued reporting of an account that the company can not identify constitutes inaccurate and unverifiable reporting. I am requesting the immediate deletion of this account from all credit reporting agencies due to the companys inability to verify or substantiate the debt.

My car was repossessed in XXXX or XX/XX/year>. I filed bankruptcy to get car back. When I went to get the car I noticed all of my personal belongings were not in it. I asked them who had my personal belongings and they gave me the information. I contacted the tow company and my personal belongings and they said they would call me back but never did and Everytime I called I got the run around. My belongings totaled around {$2000.00}. It was all my clothes and shoes and an XXXX XXXX. Along with a steam cleaner and stand up fan. After I got the car back a month later the motor died. I told them where to pick up the car. It was at an auto shop in XXXX XXXX, XXXX. XXXX advised motor had died and needed a new one. I advised mechanic it was ok to release vehicle to XXXX, which is the place I purchased vehicle. I had car for less than a year. They have a negative remark on my credit report.…

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Car Mart has the dollar amount incorrect on my credit report so according to the law if anything is incorrect it all has to be removed from credit report so car mart needs to remove everything from all credit bureaus and also since the car had several issues not disclosed to me at the purchase they need to refund {$3800.00} to me please do your job and make sure both things happen in the next 2 weeks

This account is a repossession that was reported and later verified on my credit report. After the repossession, I requested documentation including notice of sale, sale date, sale price, and a full breakdown of the deficiency balance. I did not receive any response or documentation from the company. Despite this, the account continues to be reported with a remaining balance. Without providing the required repossession and sale documentation, the accuracy and legality of this balance can not be verified. I am requesting that the company provide full documentation or remove this account from my credit report.

I am reporting Americas Car-Mart of XXXX for multiple violations of consumer protection and debt collection laws, primarily regarding Safety Fraud and Illegal Harassment after purchasing a XXXX XXXX XXXX XXXX XXXX XXXX Safety Violation ( Day 2 ) : On the second day of possession, I discovered the vehicle had been sold with pre-existing, life-threatening defects : tires with exposed cords and wires. Per Ark. Code 27-32-101, it is illegal to sell or operate a vehicle in this condition. 2. Breach of Guarantee ( Day 4 ) : On the fourth day, the transmission began failing. Management refused to honor their advertised " 100 % Satisfaction '' 7-day/500-mile exchange policy, citing a minor XXXX overage ( XXXX miles total ) to trap me in a contract for an unmerchantable vehicle. 3. Systematic Harassment : After falling approximately one week behind on payments due to the vehicle 's unreliability, the dealer began a campaign of high-volume harassment.…

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America 's Car Mart has failed to process the cancellation of two optional add-on products ( Service Contract and GAP Insurance ) totaling {$2900.00}, despite receiving timely written notices via Certified Mail. On XX/XX/year>, I financed a vehicle and discovered these add-on products were included in my loan without proper notice that they were optional. XX/XX/year>, within the 30-day " full refund '' window ( XXXX XXXX XXXX ), I sent a cancellation request for the service contract via Certified Mail XXXX XX/XX/year>, The dealership signed for the certified mail. No adjustment was made to my account. XX/XX/year>, I sent an UPDATED COMBINED CANCELLATION AND DEMAND LETTER to both the local dealership where I purchased the vehicle and to the corporate office again via certified mail, demanding the cancellation of both the service contract and gap insurance. On XX/XX/year> i emailed the corporate office, the XXXX Attorney General 's office, and the XXXX Motor Vehicle Department.…

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I am submitting a response to the companys statement provided in reply to my complaint. While the response states that I was informed the company does not pick up vehicles for repairs but does repossess delinquent vehicles, that is not consistent with the information that was communicated to me when I contacted Colonial Auto Finance regarding voluntarily surrendering the vehicle. During those communications, I was told that the company does not repossess vehicles and would not come collect the car. This statement directly affected my understanding of my options regarding the account. The companys response now confirms that they do in fact repossess vehicles if the account is delinquent. This contradicts the information that was previously provided to me and is one of the primary issues raised in my complaint. Additionally, the companys response does not address several other concerns that were raised.…

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To Whom It May Concern : This letter serves as my formal notice, pursuant to 15 U.S.C. 1692c ( c ), instructing Americas Car ( and any agents, collectors, or affiliates acting on your behalf ) to immediately cease all communication with me regarding the abovereferenced account. Under federal law, once you receive this written notice, you must stop all contact with me except for the limited purposes permitted by statute, including : Advising that further efforts are being terminated Notifying me of specific remedies you may legally invoke Notifying me of your intention to invoke such remedies Any further communication outside of these exceptions will constitute a violation of the Fair Debt Collection Practices Act. I request written confirmation that you have received and will comply with this notice. Sincerely, XXXX XXXX

I purchased a XXXX from a company called CarMart. This was my third vehicle from them. The first one I paid off. The second one they helped me out with and took it back in because after purchase it spent a month in their shop. In return they put me in the XXXX. The XXXX then started having problems too and I couldn't afford to keep paying them to fix the car I just bought. After a while of trying to contact someone I find out they went into new management. I go to speak with someone there and first talk with a gentleman who has me sign a document of returning the vehicle and at no cost to me since it was directly in line with why they went into new management. A moment later a lady comes in and has me sign something else saying they will take in the car. Over a year later I check my credit report. I see they put a lien on me for {$7000.00}. I contact them and speak with this guy who was extremely rude about everything and said I would need to talk to the collection agency.…

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Company name : XXXX XXXX XXXX XXXX : Auto loan Issue type : Incorrect information / Deceptive practices State : Illinois Complaint narrative : I am submitting this complaint regarding deceptive and misleading loan servicing practices by XXXX XXXX XXXX. On XX/XX/year>, I contacted XXXX XXXX XXXX to request a voluntary repossession of my vehicle due to financial hardship. In multiple written email communications on that date, a representative of XXXX XXXX XXXX explicitly stated : We are not coming to pick up the car. We dont pick up vehicles. These statements were made without qualification or explanation and clearly conveyed that XXXX XXXX XXXX does not repossess vehicles or recover collateral. I relied on these written representations when deciding how to handle the vehicle and the loan. No correction or clarification was provided at that time.…

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b'Back in XXXX XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in TXXXX XXXX and about two weeks later the vehicle started having issues with the check engine light coming on so it went to the shop and they had said it was the catalytic converter and the fuel lines so they replace those however it has still having issues every other week/month. The biggest issue was the check engine light continuously coming on the last time it was in the shop. It was in there approximately 4 1/2 months for them to tell us that the engine was bad so they replaced it about three weeks ago from today(XXXX XXXX) and since picking it up, it has been in the shop two more times for the check engine light being on again we had picked up the car XXXX XXXX XXXX and the same day the check engine light came back on 7 miles down the road so we took it back Monday morning they said it was the injectors and catalytic converter again so they replaced it, they call XXXX XXXX XXXX XXXX to say its ready and it was…

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FCRA Violation Illegal Re-Aging and Inaccurate Reporting of Auto Repossession I am filing a formal complaint regarding an auto repossession being reported by Americas Car-Mart that appears to violate the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 5 ) and 623 ( b ). The account was repossessed in XXXX. However, my XXXX credit report shows this account continuing to report monthly RPO ( repossession ) activity and balance updates through XXXX and XXXX. This ongoing reporting creates the appearance of a more recent delinquency and is inconsistent with the actual date of first delinquency. Under the FCRA, furnishers are prohibited from re-aging accounts or reporting inaccurate dates of delinquency. A repossession is a one-time event, not a recurring monthly status, and continued monthly updates years later constitute misleading and inaccurate reporting.…

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I am submitting this complaint regarding a wrongful and invalid repossession of my vehicle, a XXXX XXXX XXXX, by Americas Car-Mart in XX/XX/XXXX, along with their subsequent refusal to correct the issue and inaccurate reporting of a repossession to the credit bureaus. At the time my vehicle was repossessed, I only owed approximately {$1000.00} remaining on the loan and was about three months away from paying the vehicle off. My account was current, and I had not been notified of any valid default. Events on the Day of Repossession When my vehicle was repossessed, I immediately went to the dealership to find out why. The general manager at the time, XXXX, refused to speak with me directly. I was forced to communicate through an account manager. I was first told the repossession was due to a past due balance, which was false because my account was current.…

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So basically I go to a car lot get this car put my money down I get the car Im giving the money giving them money giving them money on a weekly basis to the point Im tired of the XXXX the company had to offer so I give them there car back I havent driven the car in months and weeks on end Id receive letters in the mail from the car company stating the were selling the vehicle I returned but yet there still trying to scam money from me

America 's Carmart issued a right to cure letter dated XX/XX/XXXX. It stated the amount now due was {$190.00} and the last day for payment was XX/XX/XXXX. On XX/XX/XXXX I sent and they accepted a payment of {$200.00}. That same night, about 3 hours after payment was made, a repossession company attempted to take the vehicle from my work parking lot. That's after payment was made 4 days before the payment date on the right to cure notice. The repossession company breached the peace entering my job and talking to guards, coworkers, and my supervisors. After going outside with him, he refused to leave the property alone when asked. Then I noticed he had the wrong car hooked up. I went back inside, clocked out, and went home. The next morning, yet another attempt to repossess the car was made.…

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Complaint Description : XXXX XXXX XXXX XXXX XXXX Acct # XXXX ; Balance : {$13.00}, XXXX I am submitting this complaint regarding XXXX XXXX XXXX for reporting an alleged delinquent auto account to consumer credit reporting agencies without proper validation and without providing legally required notices. I formally disputed this account directly with the creditor and requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, XXXX XXXX XXXX has failed to provide documentation establishing that I am legally obligated to pay this alleged debt, including but not limited to a copy of the original contract, a complete accounting of the balance, or proof of their legal right to collect. Despite the lack of validation, XXXX XXXX XXXX continues to report this account as delinquent to XXXX XXXX, and XXXX, which constitutes inaccurate and unverified reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).…

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On XX/XX/year> I had went into XXXX XXXX of XXXX missouri to have them change my payments from weekly and monthly because I was moving to arkansas to take care of my sick grandfather and my grandfather was even willing to pay the not for me until I could get established upon arriving there they had told me they would not do that and we're going to take possession of the car claiming I was XXXX week behind on the payment and tried to forcibly take possession of it by blocking me in with another vehicle parked behind it so I could not leave after fighting with them for XXXX hours and telling them what they were doing was illegal my mom had called in and paid the week they had claimed I was behind on and they let me leave the next day they had sent a tow truck and reposesed it claiming I was XXXX day behind on the payment I did not receive a notice of default or a right to correct which is required by law in the state of missouri and it is now being reported on my credit as a repossesion…

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Americas Car-Mart XXXX XXXX, GA ) is inaccurately reporting a XXXX repossession despite its prior material breach of contract and failure to properly investigate. The Retail Installment Contract required the dealership to inspect the vehicle prior to repair. I brought the vehicle in for inspection, but instead of repairing or diagnosing the issue, the dealership cleared diagnostic trouble codes without correcting the underlying mechanical defects, then returned the vehicle. This temporarily concealed defects and did not constitute good-faith performance. I provided the diagnostic paperwork from the referred Auto repair shop, Americas Car-Mart repeatedly denied receiving it and failed to investigate. Also failed to accurately document all visits to the dealership in regards to mechanical complications. The vehicle continued to experience serious mechanical failures, including shutting down in traffic on multiple occasions, making it unsafe and unreliable.…

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My name is XXXX XXXX. I was sold a stolen car from CarMart XXXX. I found this out when I tried to register the vehicle in XXXX. Arkansas State police blocked the title because of a active stolen report from XXXX Tennessee. The DMV, Ar State Police, and myself reported this to CarMart. Carmart denied my rights to a refund. They demanded I continue installment payments. The Manager and employees only worked to wash the title and have stolen removed and retitle the vehicle. The Manager XXXX signed Repo orders the day he successfully washed the title XX/XX/year>. Please investigate. The XXXX DMV wants to help me and knows the whole story and scam CarMart is doing. When I demanded a refund and threatened a lawsuit, Carmart committed felonies with Malice intent to stop me. Please investigate. I am notifying every Agency that can offer me help. I need help.

To Whom It May Concern I Am writing to formally dispute the accuracy and complenteness of the auto loan account listed on my consumer credit report under the Fair Credit Reporting Act 15 U.S.C. 1681. XXXX XXXX XXXX / XXXX Date Open XX/XX/XXXX XXXX Balance XXXX This Account is being reported inaccurately and / or without proper verification and / or without proper verification. Under FCRA 611 ( 15 U.S.C. 1681i ), i have the legal right to dispute any information that is inaccurate, unverifiable or misleading. i am requesting that you : XXXX. Conduct a reasonable investigation into this matter, and XXXX. Provide written proof that this account has been vertifed with original documentation, incuding but not limited to : XXXX signed or promissory note bearing my signature. Complete payment history. Proof of legal ownership and authority to report this debt.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Dear CFPB Complaints Department, I am writing to file a formal complaint against America 's Car-Mart, located in XXXX XXXX, Oklahoma XXXX regarding unfair and deceptive practices related to my auto loan and vehicle repossession threats. The specific individual involved in this matter is XXXX XXXX, an employee at the XXXX XXXX branch. In XX/XX/year>, XXXX XXXX contacted me by phone demanding payment on my account for my XXXX vehicle. I informed her that I would immediately make the full payment over the phone once our call ended, bringing my account current to 100 %. However, she stated that this was insufficient and that my vehicle would still be at risk of repossession, even after full payment.…

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Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). I am demanding a full investigation and the immediate removal of this account from all credit reports afe to these Violations and failure to follow lawful procedures.

My vehicle went through a voluntary repossession, but the original creditor, XXXX of XXXX / XXXX XXXX, engaged in multiple improper and fraudulent actions related to my loan and title documents. I originally agreed to be only the co-signer on the account, but the creditor listed me as the primary borrower without my knowledge or consent. This misrepresentation changed my legal and financial responsibility and was never explained to me. Before the repossession, the creditor contacted me claiming they were missing a signature from me that they needed for the title. I never provided this signature and did not authorize anyone to sign on my behalf. After the voluntary repossession of my XXXX XXXX XXXX, I learned that the creditor submitted title paperwork containing a forged signature that is not mine. Additionally, after the vehicle was repossessed, the creditor resold the car. However, they did not apply the sale proceeds toward the remaining balance as required.…

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To Whom it May Concern I am writing this letter in response to your communication dated XX/XX/year> regarding an alleged debt you claim i owe. this letter is a formal request for validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide all validation and documentation for any alleged accounts connected with the following. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide full validation and documentation connected with the following businesses.

Car-Mart is reporting a negative auto loan after a voluntary surrender. However, this reporting is unfair, misleading, and incomplete for the following reasons : The vehicle sold to me was mechanically defective ( lemon ). I repeatedly requested repairs, and Car-Mart forced me to pay out of pocket for issues that existed at purchase. The vehicle was unsafe and repeatedly malfunctioned. Because the vehicle was defective and Car-Mart refused to make it right, I was forced into surrendering it voluntarily. I requested that Car-Mart remove the account or adjust it to reflect the circumstances, but they refused, despite the sale involving mechanical defects. Car-Mart has not provided documentation proving the accuracy of the amounts reported after repossession, including sale records or deficiency calculations.…

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I am filing this complaint regarding the deceptive and misleading financing practices used by Americas Car-Mart . Although this occurred several years ago, I am reporting it now because I believe the same predatory practices continue today, and I want to help protect other consumers. When I purchased a vehicle from Car-Mart , the financing terms were not explained clearly or transparently. The dealership did not review the interest rate, total cost of the loan, payment structure, or fees in a clear or understandable way. Important loan information was rushed, minimized, or not disclosed at all. If the financing terms had been clearly explained, I would never have agreed to the loan. Car-Mart also made misleading statements about my ability to trade in the vehicle once a certain amount was paid. When I attempted to do so, they refused, giving inconsistent explanations and blaming paperwork issues on their end. This felt deceptive and intentionally confusing.…

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Multiple companies are reporting false, inaccurate, and misleading information on my credit report. These accounts show balances, past-due amounts, and monthly updates years after the accounts were closed, surrendered, or repossessed. This is not possible and violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). XXXX. XXXX XXXX XXXX Account # XXXX This account shows a charge-off with a {$16000.00} past-due balance updated through XXXX, even though the account had no activity after XXXX. The company is furnishing new past-due amounts that never occurred, which is inaccurate and misleading. XXXX Credit XXXX XXXX Account # XXXX This account was voluntarily surrendered and last updated in XXXX, yet Experian shows a {$4300.00} past-due balance as of XX/XX/XXXX. A closed, surrendered account can not continue generating new delinquencies or balances years later. XXXX.…

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My vehicle was repossessed and the account was charged off by XXXX XXXX XXXX Despite this, I am still receiving automated emails and notifications stating that my scheduled payments are declined, due, or requiring me to make a payment. XXXX example is an email stating that a scheduled payment of {$300.00} for account number XXXX was declined and that I must contact them to make a payment. This account should not have ANY active billing, auto-draft attempts, or payment schedules because the vehicle was already repossessed and the account charged off. These communications represent improper collection attempts and appear to violate multiple consumer protection laws, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ), 1692e ( 10 ), 1692f ( False or misleading representation of a debt ; deceptive methods to collect a debt ; unfair practices. ) Consumer Financial Protection Act ( UDAAP ) 12 U.S.C.…

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