CarMax, Inc.

I financed a vehicle through CarMax Auto Finance in XX/XX/XXXX. For more than a year, I was unable to make online payments through their portal. Despite reporting this multiple times by phone, no one resolved the issue until XX/XX/XXXX, when a representative finally restored access only after I said I was considering legal action. During that time, I had to rely on their automated phone system, which frequently failed, leading to missed or delayed payments. As a XXXXXXXX XXXX XXXX XXXX this created extreme hardship and directly impacted my credit. In XX/XX/XXXX, my vehicle was totaled in an accident. I submitted a GAP claim in XX/XX/XXXX and was told in XX/XX/XXXX it was denied because deferred payments were not covered something I was not made aware of when the accident occurred. I was never told I needed to cancel my GAP coverage in person to receive a refund, and I was misdirected several times when I tried to do so.…

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I voluntarily surrendered the XXXX XXXX XXXX back in XX/XX/XXXX due to lost of employment so I couldnt afford the vehicle anymore. Now Carmax is demanding me to pay an outstanding balance demanding me to pay them or if not theyll take out a lawsuit against me which was not in the contract. Carmax ( or an impersonator ) already committed fraud against me back on XX/XX/XXXX where {$810.00} was taken from me because I made a payment but Carmax stated they never received any payment from me.

I am a licensed dealership that purchased a vehicle through a wholesale transaction from XXXX XXXX. At the time of sale, we were provided with the vehicles title along with a photocopy of a lien release from CarMax Auto Finance. After the sale, we discovered that CarMax Auto Finance reappeared as an active lienholder in the DMV record, preventing us from transferring title. Details of the Issue : The loan associated with this vehicle has been paid in full. However, CarMax Auto Finance has failed to provide a valid lien release necessary to complete the title transfer. I contacted CarMax Auto Finance on five separate occasions requesting a duplicate lien release. I was instructed to submit documentation, including : A copy of the title The photocopy of the lien release Proof that we possess and own the vehicle All requested documentation was submitted via fax on XX/XX/year>.…

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disputing a repossession reported by CarMax on my credit file, as this account is not mine and is a result of identity theft. I have never financed, leased, or owned any vehicle through CarMax, and I did not authorize anyone to open an account in my name. I became aware of this issue when I noticed a repossession entry reported on my credit report. I did not sign any agreement, take possession of any vehicle, or have any involvement in this transaction. I am requesting that CarMax provide full documentation related to this account, including but not limited to : The original lease or finance agreement A copy of the signed contract Any identification used to open the account Payment history and account records I specifically demand verification of the signature associated with this account, as any signature on file is not mine. This account was opened fraudulently without my knowledge or consent.…

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Carmax financial has been reporting XXXX day late payments to the credit bureaus impacting my credit score tremendously. I have contacted carmax 3different occasions regarding this issue. The explanation is that they are not showing any late payments that have been reported, I am not late, and that it should not show any late payment status within the credit bureaus. As of today, it is still reporting late when I am current on my payment.

This account is being falsely reported on my consumer credit file. I dispute this debt in its entirety. I do not acknowledge this debt and the reporting entity has failed to provide any competent evidence that I have a legal obligation to pay. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I requested validation and verification of this alleged debt. The furnisher has continued to report this account without providing proper documentation proving that the debt belongs to me. Reporting unverified or inaccurate information to the credit bureaus constitutes a violation of federal law. If the furnisher can not produce the original contract, complete payment history, and documentation showing legal assignment of the debt, this account must be immediately deleted from my credit file. I am requesting a full investigation and permanent removal of this account from all credit reporting agencies.…

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I am filing this complaint regarding inaccurate credit reporting and the handling of my dispute by XXXX involving late payment reporting associated with a CarMax Auto Finance account. I previously disputed the late payment reporting because it does not align with my records and I do not recognize several of the reported delinquency entries during the time period in question. I also submitted a valid Identity Theft Report through the Federal Trade Commission requesting that the disputed information be blocked pursuant to the Fair Credit Reporting Act ( FCRA 605B, 15 U.S.C. 1681c-2 ). XXXX informed me that the request did not meet the requirements for a block but refused to explain which statutory requirement had allegedly not been met. During the timeframe associated with the disputed late payments, CarMax Auto Finance documented multiple instances of returned mail and there were communication disruptions regarding the account.…

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I called CarMax for a payment reduction or refinance and was told they dont refinance try a bank and when I did try the bank they denied me because they say I was overcharged for the vehicle and it was not worth the hassle. I dont understand why I have a high interest rate when I had a XXXX XXXX XXXX when financing the vehicle and all accounts were current and updated with no late payments or etc.

I purchased a XXXX XXXX from car max XXXX, my daughter co signed . The car was in an accident, and the insurance company wouldn't pay. The damages were XXXX. I called them and told them where the car was. They never came and got it. The wrecker company got a? Lein so it way there's. They fixed and resold it for XXXX. It's still on my credit report.

I am a victim of identity theft. A CarMax Auto Finance account ( ending in XXXX ) appears on my credit reports that I did not open, authorize, or use. Despite extensive efforts including a police report, an XX/XX/XXXXdemand letter sent via certified mail, an FTC Identity Theft Report, and multiple prior CFPB complaints CarMax continues to report this fraudulent account and has failed to produce a single document proving I opened or authorized this loan. Documentation submitted to CarMax and the credit reporting agencies includes : FTC Identity Theft Report Police report filed with local law enforcement Government-issued identification Proof of current address Written statements identifying the account as fraudulentXX/XX/XXXXdemand letter sent via certified mail requesting account records under FCRA XXXX XXXX XXXX ) Pursuant to FCRA XXXX ( XXXX ), I requested that CarMax produce the following business records : Original credit application Signed financing agreement Government-issued…

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I am filing this complaint regarding my auto loan account with CarMax Auto Finance. XXXX 2025 My loan account appears to have gone into default due to several payments being rejected. However, I was not notified that these payments were rejected or that the account was being placed into default status. XX/XX/XXXX2025 I received a right-to-cure notice and made the payment required to cure the loan. XX/XX/XXXX2025 After making the cure payment and retrieving the vehicle from the recovery lot, I signed a statement confirming the vehicle had no damage when released to me. I was told CarMax would provide documentation regarding the loan status, but I did not receive any paperwork or explanation regarding my account. XX/XX/XXXX2025 A prorated refund from the cancellation of my XXXX warranty was sent to CarMax Auto Finance and applied toward the remaining balance.…

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The repossession company along with the lender are refusing to give me my aftermarket subwoofers and amplifier sitting in the trunk, not bolted down or affixed to the vehicle in anyway. Ive tried multiple times to reach out to both parties and settle this without taking the legal route and I cant seem to find any middle ground. According to the Tennessee state code law 45 15 111B the reposition company has no rights to keeping my personal property

Carmax Auto finance Account number is : XXXX Vehicle XXXX XXXX XXXX XXXXXXXX XXXX number is XXXX I am filing this complaint regarding my auto finance contract with CarMax Auto Finance. After reviewing my retail installment contract, I have concerns regarding the accuracy and completeness of required disclosures under the Truth in Lending Act ( TILA ) and Regulation XXXX. Specifically, I am requesting verification and review of : The accuracy of the Annual Percentage Rate ( XXXX ) Proper disclosure of the finance charge Amount financed and total of payments Complete payment schedule Clear identification of the creditor A full accounting of my loan I submitted a written Notice of Rescission and formal dispute to CarMax Auto Finance requesting cancellation and documentation review. As of today, the matter remains unresolved. I am requesting that CarMax Auto Finance : XXXX. Conduct a full compliance review of my contract under XXXX. XXXX.…

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I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Type of Complaint : Auto Loan / Financing Company : CarMax Auto Finance Issue : Late Fee / Online Payment Confusion Description of Complaint : I was charged a late fee many time after only couple days past the due date on my CarMax Auto Finance account. My payment has now been made in full. The Online Account Services Agreement mentions a grace period but does not specify its length : If you fail to make a payment within the applicable grace period, at the close of the final day of the grace period, we will assess a late charge to your account. This vague disclosure makes it unclear that a fee could be charged after only one day. Additionally, the online system required me to acknowledge my payment as late before it could be processed, which was confusing. I request : 1. Removal of the late fee as a courtesy. 2. Written confirmation that my account is in good standing. Attachments : Payment confirmation screenshot, Online Account Services Agreement pages.

Contract Date : XX/XX/XXXX Vehicle : XXXX XXXX XXXX Date : XX/XX/XXXX CarMax Auto Finance Attn : Credit Reporting / Account Management Department Re : Formal Request for Co-Signer Release, Goodwill Consideration, and Compliance with the Fair Credit Reporting Act To Whom It May Concern : I am writing regarding the above-referenced retail installment contract dated XX/XX/XXXX, for a XXXX XXXX XXXX , on which I am listed as a co-signer. This correspondence constitutes a formal written request for ( 1 ) a co-signer release review and ( 2 ) confirmation that all credit reporting related to this account complies fully with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As a co-signer, I am requesting that CarMax Auto Finance evaluate and provide written disclosure of any available co-signer release option, assumption process, refinance requirement, or contractual pathway that would allow removal of my legal and credit reporting liability from this account.…

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When my wife and I purchased this vehicle, I had just had a XXXX transplant 6 months prior and I needed a XXXX transplant in the next 3 months. I needed a reliable car to get myself and my caregiver wife back and forth from XXXX to XXXX. I had no idea that I'd be falling prey to almost predatory lending. The payment structure of the loan ensures the first 1 to 2 years is applied strictly to interest, leaving I'm sure many many customers in similar situations. Carmax pushes their " no haggle '' policy and we were both so tired and I still sick. I would have no way of knowing that, when I agreed to the high interest rate and the predatory payment structure, I wouldn't be able to refinance later for a better rate. Carmax has no solution, I've tried 4 different other lenders. My credit is in the XXXX, so that is not an issue. Shame on Carmax, this is a bitter lesson learned, when money is already running low as it is.

This account doesnt belong to me. This account ( CAF ) Carmax XXXX XXXXXXXX never done business with them. This is the account number # XXXX. I am writing to formally request the immediate removal of the fraudulent account that is currently appearing on my credit profile. This account does not belong to me and is negatively affecting my credit standing. I have filed a police report regarding this identity theft, as well as reports with the Federal Trade Commission ( FTC ). I can provide copies of these documents upon request. Please investigate this matter promptly and confirm once the account has been removed from my credit file. Thank you for your immediate attention to this issue. Sincerely, XXXX XXXX

CarMax Auto Finance is reporting false and misleading information about my charged-off auto loan. The account was charged off in XX/XX/XXXX, but CarMax continues to update the tradeline every month as if new delinquency is occurring. They are reporting monthly charge-off activity through XXXX, which makes the debt appear recent and extends the negative impact on my credit. I asked CarMax to provide documentation showing the correct date of first delinquency, the charge-off details, and an accurate accounting. They did not provide any validation. Instead, they continue furnishing monthly updates, reporting the entire balance as past due, and showing contradictory statuses ( charged off but also active/past due ). This is false representation of the debt and ongoing misreporting. It harms my credit by making the account appear newly delinquent even though no payments or activity have occurred since XXXX.…

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My vehicle was totaled XX/XX/year>. My gap insurance company paid around XXXX of my loan balance and XXXX paid over XXXX. I called on XX/XX/XXXX and a rep verified that Carmax Finance received the payment that date but it takes XXXX day to process it. I also inquired would it be reported as late on my credit report because the next day XX/XX/XXXX, would make it report as XXXX days late on my credit reports. I was told that it should not report late because the payment was received at Carmax on the XXXX.

CarMax Auto Finance calls me everyday 2-3 times a day. Per The Fair Debt Collections Practice Act, they can not call more than seven times within a seven-day period or within seven days of talking to me regarding the debt. I spoke with someone from XXXX about the debt XX/XX/XXXX and they continued to call each day after within the seven day period and has continuously called me more than seven times within a seven day period.

I am filing this complaint regarding inaccurate credit reporting by CarMax Auto Finance related to a vehicle that was ultimately repurchased by CarMax due to repeated mechanical and system failures. Shortly after purchasing the vehicle, it experienced ongoing defects and multiple service failures that rendered it unreliable and unsafe to operate. After repeated repair attempts and being placed in XXXX loaner cars, CarMax completed a full buyback of the vehicle because it was defective. Because the transaction was rescinded through the buyback, the associated financing agreement should not have been reported as a completed or closed loan. However, CarMax Auto Finance continues to report this account on my credit report, which has negatively impacted my credit score. This reporting is inaccurate and misleading because I did not receive the benefit of a functioning vehicle and the underlying transaction was reversed due to defects present at the time of sale.…

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I am reporting a violation of the Consumer Financial Protection Act ( UDAAP ) and the Fair Credit Reporting Act ( FCRA ) by CarMax Business Services, LLC regarding my auto loan in CarMax Auto Owner Trust XXXX ( CIK XXXX ). The Deception : On XX/XX/year>, the company filed a Form XXXX with the SEC admitting that the asset pool containing my account had 'XXXX Cumulative Net Losses, ' effectively reporting the debt as extinguished to federal regulators. The Harm : Despite this federal admission, CarMax and its agents XXXX XXXX XXXX XXXX XXXX XXXX ) continued to pursue me for {$19000.00} in XXXX XXXX XXXX XXXX ( Case # XXXX ). They maintained a false balance on my account and aggressively pursued a judgment for funds that their own SEC filings say are not a loss.…

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I am filing a complaint against CarMax Auto Finance regarding the servicing and accounting of my auto loan following a total loss accident. My vehicle was declared a total loss on XX/XX/XXXX. The other driver was found at fault, and I received a legal settlement related to the accident. Insurance issued a total loss payment to CarMax Auto Finance. A {$1000.00} deductible was withheld from the insurance payout. Because the other driver was at fault, I requested confirmation from the insurance company regarding whether subrogation was initiated or completed to recover my deductible. The insurance company has refused to confirm whether subrogation occurred or whether any deductible funds were recovered. XXXX subsequently paid {$5700.00} toward the loan balance. However, when I contacted the XXXX administrator in XXXX, they advised that their payout calculation was based on payoff information reported by CarMax Auto Finance.…

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This submission is a formal escalation and follow-up to my fourth complaint ( CFPB ID XXXX ). Despite four complaints regarding the same servicing conduct, the challenged delinquency advancement practice continues without correction or meaningful explanation. On XX/XX/year>, I made a payment of {$250.00}. On XX/XX/year>, the account reflected as current. That payment was later reversed. Following the reversal, the account was advanced to 38 days past due and now reflects {$900.00} as past due internally, along with late charges. This development directly reinforces the core issue raised in my prior complaints : The servicer advances delinquency using strict calendar-day calculations, The delinquency counter is accelerated immediately upon internal recalculation, and Subsequent billing cycles appear to be pulled forward and stacked into the past due figure.…

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Dear CarMax Auto Finance, I am writing to formally dispute the accuracy and reporting of the above-referenced account, number XXXX, with an alleged balance of {$27000.00} that was reportedly charged off at {$28000.00} on XX/XX/XXXX, and is currently being reported as a closed account as of XX/XX/XXXX. This letter serves as a formal notice of dispute and a request for validation and investigation pursuant to my rights under the Truth in Lending Act, 15 U.S.C. 1635, and the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g. Please be advised that I am requesting competent evidence that I have a legal obligation for this debt and that your reporting meets all federal requirements for accuracy. Request for Legal Right to Collect Please provide documentation demonstrating your legal authority to collect on this account, including proof of ownership or assignment of the debt and a copy of the original signed contract or agreement.…

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I am submitting this complaint against CarMax related to a vehicle purchase that has resulted in my inability to register the vehicle due to title defects, misrepresentation by CarMax employees, and CarMaxs failure to resolve the matter despite repeated notice and assurances. In early XX/XX/year>, I purchased a vehicle from the CarMax XXXX XXXX, Connecticut location. Shortly after purchase, I brought the vehicle to XXXX for a recall repair and was informed the vehicle required a full engine replacement due to a known defect covered under XXXX extended warranty. Because the repair would take approximately XXXX to XXXX months and I was still within CarMaxs XXXX return window, I returned the vehicle. On XX/XX/year>, I purchased a different vehicle in person from the CarMax XXXX XXXX, Maryland location. My mother was added as a co-owner for financing, registration, and insurance purposes.…

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CARMAX AUTO FAN XX/XX/year> CARMAX AUTO FAN XX/XX/year> Collection Agency Pursuing to consumer law 15 USC 1692 E ) ( 15 USC 1692 J They Are Not My Original debtor and I Do Not have a signed agreement with them. DELETE LATE PAYMENT 15 U.S. CODE 1666 ( b ) DELETE COLLECTIONS 15 U.S. CODE 1692 ( g ) DELETE CHARGE OFFS 15 U.S. CODE 1681 ( c ) 2 / 1681e ( b ) DELETE REPOS 15 U.S CODE 1681 ( s ) 15 USC 1681- FCRA 15 USC 1692 - FDCPA 15 USC 1601- TILA 15 USC 1691- ECOA

On XX/XX/2026, I sent a formal written demand letter to CarMax Auto Finance regarding a vehicle repossession dispute. The letter requested a substantive written response and provided a ten ( 10 ) business day deadline, which expired on XX/XX/2026. CarMax Auto Finance did not provide a substantive response by the deadline. Instead, I received only a generic acknowledgment directing me to call a Resolution Specialist by phone and stating that the matter could not be addressed in writing. This response did not address the issues raised, did not provide any explanation or documentation, and did not constitute a good-faith response. My demand letter expressly requested that all communications be conducted in writing due to the legal nature of the dispute. The company ignored this request and failed to provide the requested written information. As of the date of this complaint, CarMax Auto Finance has not provided a substantive written response to my demand.

I have repeatedly requested that CarMax explain why I am being charged future interest fees after making my payment on XX/XX/year>, which matches the principal amount financed. On XX/XX/year>, after reviewing the CarMax ALFA Payment History report they provided, I observed that my annual percentage rate was not calculated at the contracted 3.95 % but instead at 10.55 %. Additionally, the Total Amount reflected in the report does not align with either the 3.95 % or the 10.55 % calculations. Instead, it reflects a figure that does not appear anywhere in the Retail Installment Contract.

To whom it may concern, I, submit this formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) against all three credit reporting agencies for disseminating inaccurate information across all three credit bureaus. Specifically, an unauthorized account has been inaccurately reported, differing between bureaus, despite my disputes. This inconsistency violates my right to accurate reporting and dispute resolution under the FCRA. I request your immediate intervention to investigate these discrepancies, ensure accurate reporting, and remove the erroneous entries. Should this remain unresolved, I will pursue legal remedies. Thank you for your prompt attention. Sincerely,