CarMax, Inc.

I am submitting this complaint regarding my account with CarMax Auto Finance ending in XXXX. Since opening this account in XX/XX/year>, I have maintained approximately 98 % on-time payments with only XXXX isolated XXXX late payment. The account is otherwise in good standing and significantly paid down. I requested a goodwill adjustment due to the negative impact this late payment is having on my mortgage/renting qualification. Although CarMax acknowledged my request, I received what appeared to be a generic denial response focused only on accurate reporting, despite me clearly stating that I was requesting discretionary goodwill consideration, not disputing accuracy. I am respectfully requesting a meaningful XXXX review and reconsideration of a one-time goodwill adjustment based on my strong payment history, long-standing account status, and mortgage-related hardship impact.

I am filing a complaint regarding the handling of my repossessed vehicle and the loss of my personal property. After my vehicle was repossessed in XX/XX/year>, I made multiple attempts to retrieve my belongings using the instructions provided by the company and their third-party recovery vendor. I went in person to the address I was given and was instructed to call a number to schedule an appointment. I made multiple attempts to call that number, but no one answered and no return calls were made. I was also directed to contact Consumer Relations, and I did not receive a response. At a later point, when I was finally able to make contact, I was told that my belongings were not ready, not that they had been disposed of. I was never clearly informed of any deadline or that my property would be permanently discarded. The company is now denying my claim, stating that no attempt was made to retrieve my items within 30 days. This is inaccurate.…

I am filing this complaint regarding a financed vehicle purchased from CarMax that developed recurring safety-related defects shortly after purchase and was later repossessed while the issue remained unresolved. Vehicle : XXXX XXXX XXXX purchased from CarMax XXXX XXXX around XX/XX/XXXX, with under approximately XXXX miles at the time of purchase. At the time of sale, I was informed that the vehicle had undergone inspection and was safe and ready for sale. The vehicle also carried an active manufacturer warranty through XXXX. Within approximately four days of ownership, I began experiencing recurring safety system failures while driving. Specifically, the dashboard repeatedly displayed warnings including Forward Driving Aids Temporarily Disabled, involving the vehicles forward collision and driving assistance systems. This issue was not isolated and continued repeatedly over the course of ownership, typically occurring after approximately 1520 minutes of driving.…

I am filing a formal complaint regarding inaccurate and unverified credit reporting. CarMax Auto Finance is reporting a charged-off account with a balance of {$31000.00} on my credit report. I previously disputed this account with the credit reporting agencies ; however, the information continues to be reported without proper validation. The credit bureau stated that the furnisher verified the account. However, no actual documentation has been provided to me to support this claim. I have requested that CarMax Auto Finance provide the following : * A copy of the original signed contract * A complete payment history * Documentation showing how the balance was calculated * Proof of their authority to report this debt To date, this documentation has not been provided. Under the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ), all information reported must be accurate and verifiable.…

FORMAL BILLING ERROR DISPUTE, NOTICE OF ACCOUNTING DEFECTS, AND DEMAND FOR CORRECTION Date : XX/XX/2026 To : Carmax Auto Finance Executive Communications & Billing Department Re : Account Numbers : - XXXX Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. I, XXXX XXXX XXXX XXXX Executor, Fiduciary, acting by and through XXXX XXXX XXXX XXXX XXXX Church Body Charter Institutional Trust Indenture ), hereby submit this Formal Billing Error Dispute in conjunction with my prior Notice. I. FORMAL BILLING ERROR DISPUTE This is a formal dispute of billing errors pursuant to : - 15 U.S.C. 1666 ( Billing Error Resolution ) - 15 U.S.C. 1666b ( Correction of Billing Errors ) The above-referenced accounts contain errors, including, but not limited to : - Charges not properly verified or supported by accounting - Failure to provide method of verification upon prior notice II.…

ILLEGAL REPOSSESSION REPORTING & XXXX XXXX VIOLATION : Carmax Auto Finance ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX CAF is reporting a repossession that is legally deficient. Under the California Rees-Levering Act ( Civil Code 2983.2 ), CAF is required to send a Notice of Intent to Dispose of a Motor Vehicle. I was never provided this legal notice. Furthermore, this vehicle was under an active California Lemon Law ( XXXX Consumer Warranty Act ) dispute, having required a 30-day shop stay and full engine replacement. Because the repossession was executed improperly without mandatory state notices, CAF has forfeited any right to report a deficiency balance. Furthermore, the " Date of Last Payment '' contradicts across bureaus. I demand total deletion of this trade line.

My name is XXXX XXXX, and I am writing to file a complaint regarding incorrect information reported by CarMax on my credit reports with XXXX and XXXX. My date of birth is not provided, but the last four digits of my Social Security Number are XXXX. I reside at XXXX XXXX XXXX, XXXX, GA, XXXX. The account in question ends in XXXX and is currently reported as a charge-off with a balance of {$5900.00}. I have reviewed my credit reports from XXXX and XXXX, and both display this account as charged off. However, I believe this reporting is incorrect and does not accurately reflect my credit history or the current status of the account. This erroneous reporting has severely impacted my credit scores, which are XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX As a result, I have faced difficulties in obtaining credit, higher interest rates, and challenges in financial transactions that require a good credit standing.…

License Plate : XXXXXXXX XXXX XXXX XXXX VIN : XXXX XXXX XXXX XXXX XXXX I am filing this complaint against CarMax for their refusal to provide a " Letter of No Interest '' or a notarized lien release for a vehicle they do not own and have no financial interest in. This administrative negligence has resulted in my vehicle being placed in " Prior Suspense '' status with the California DMV, rendering it legally undriveable since XX/XX/XXXX. In XX/XX/XXXX, I refinanced my vehicle from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this process, a clerical error occurred where the previous lienholder ( XXXX XXXX ) erroneously sent the title release to CarMax instead of the new lienholder or myself. Because XXXX records incorrectly pointed to CarMax, the California DMV now requires a formal sign-off from CarMax to clear the title defect.…

On XX/XX/year>, I submitted a direct dispute to CarMax Auto Finance ( confirmed received via certified mail ) disputing the accuracy of the balance being reported on my auto loan account. The vehicle securing the loan was declared a total loss, and insurance proceeds sufficient to satisfy the loan payoff were tendered. However, the lender delayed accepting or processing the insurance payment for several months. During that period, the account appears to have accrued interest, fees, and penalties despite the fact that the insurance proceeds necessary to satisfy the obligation had already been made available. I specifically requested documentation substantiating the reported balance, including the payoff amount as of the date the insurance proceeds were first tendered, the date those funds were applied, a complete transaction history, and the contractual basis for charges assessed after the insurance payoff was available.…

I am filing this complaint regarding a fraudulent account being reported by CarMax Auto Finance on my credit report as a result of identity theft. I have previously notified CarMax Auto Finance that this account is not mine and is the result of identity theft. I provided them with all required documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and a police report documenting the theft of my personal identifying information, including my Social Security card, credit cards, and identification. Despite receiving this documentation, CarMax Auto Finance has continued to report this account and has marked it as verified without providing any evidence that this account belongs to me. This is a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA XXXX ), which requires that information resulting from identity theft be blocked within XXXX ( XXXX ) business days of receiving proper documentation.…

Car payment monthly was around {$650.00} and I make arrangement to pay it the amount to be split in every 15 days and later every seven days so the company start charging me every three days the amount of 3/300 dollars every four days {$140.00} leaving my account empty they were charging me more than 10 times in a month leaving my account in empty they were charging more than {$10000.00} a month and they did it from XXXX to to XXXX this produced that my XXXX XXXX from XXXX dropped to XXXX. They emptied my bank account so nobody else couldnt get the direct payment and they report that that was my problem. For around five months, my account was empty because they was charging me more that at the agreement in a month damage my credit complete credit.

I am filing a complaint against CarMax Auto Finance regarding an unlawful repossession, resulting property damage, and continued reporting of an invalid balance. On or about XXXX XXXX, 2024, a repossession conducted by CarMaxs contracted agent caused property damage at my residence. The vehicle was improperly handled and dragged across my lawn and driveway, causing visible damage to the ground and surrounding areas. This incident was documented in a police report filed with the XXXX XXXX Police Department. I immediately reported the incident to CarMax Auto Finance by submitting a formal claim and providing supporting documentation, including photographs and a repair estimate. CarMax acknowledged receipt of the police report and my communications but failed to resolve the issue. Despite having actual notice of the damage and dispute, CarMax continues to report a balance of {$18000.00} on my credit report.…

I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

We used a vehicle through Carmax in the XXXX of XXXX, and in the XXXX of XXXX we file for a bankruptcy and surrendered the vehicle in the bankruptcy. Its been over a year since that was discharged, and theyve yet to pick up the vehicle. Ive sent email correspondence to ask if they were gon na pick it up or if they would be willing to release the lien or be willing to sell it for a small amount. Theyve failed to respond and I still have the vehicle in my possession located at my property.

Subject : Rebuttal and Demand for Method of Verification Continued Reporting of Inaccurate Information To Whom It May Concern, This correspondence serves as a formal rebuttal to your response regarding the above-referenced account. Your reply fails to address the substance of the dispute and does not satisfy your obligations under federal law. You state that the account has been reviewed and verified as accurate, yet you have failed to provide any substantive explanation or documentation supporting such a determination. The document provided is a summary ledger, not the original contract, not a complete accounting, and not sufficient evidence of the validity, structure, or enforceability of the alleged obligation. -- - # # # I.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Subject : Debt Validation Request To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. I am requesting validation of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : XXXX. The name and address of the original creditor XXXX. The total amount of the alleged debt, including a detailed breakdown of any fees, interest, or charges XXXX. Copies of any documents bearing my signature that show I have a legal obligation to pay this debt XXXX. Proof that your company is authorized to collect on this debt XXXX. Documentation showing the chain of ownership if the debt has been sold or transferred Until this information is provided, I request that all collection efforts cease. Additionally, if this debt is being reported to any credit reporting agency, I request that it be marked as disputed.…

On XX/XX/XXXX, I traveled from XXXX XXXX to CarMax in XXXX XXXX, Maryland, and purchased a used vehicle. I financed the purchase through CarMax Auto Finance. From the beginning, CarMax provided incorrect ownership transfer documents and had to send multiple amended versions. The vehicle was registered in New York on XX/XX/XXXX, with the title requested in my name and my mothers name. On XX/XX/XXXX, the New York State DMV notified me that the title provided by CarMax is not the original or most recent title. A different title was issued for this same vehicle on XX/XX/XXXX. CarMax Financial confirmed they received the same DMV notice and forwarded it to the XXXX XXXX store. On XX/XX/XXXX Representatives at the XXXX XXXX location admitted the vehicle was purchased at auction and that another title was issued underneath their feet after CarMax acquired the car. They acknowledged CarMax had access to this information but sold the vehicle anyway without disclosing the title defect.…

CAF ( Carmax Auto Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, USA. Subject : Formal Dispute & Demand for Contractual Validation 15 USC 1601 / FCRA Violations Re : Inaccurate, Unverified, and Non-Compliant Reporting To Whom It May Concern, This letter serves as a formal dispute regarding the accuracy, completeness, and legal compliance of the accounts listed below. I am invoking my rights under : Truth in Lending Act ( 15 USC 1601 ) Fair Credit Reporting Act ( FCRA 1681e ( b ), 1681i, 1681s-2 ( b ) ) Under 15 USC 1601, Congress requires meaningful disclosure of credit terms and full transparency to protect consumers from inaccurate or misleading credit practices. At this time, the accounts referenced below lack sufficient documentation to prove that they are valid, enforceable, and accurately reported.…

I purchased a XXXX XXXXXXXX XXXX XXXX from CarMax in XXXX XXXX, Connecticut in XXXX with approximately XXXX miles. Shortly after the purchase, the vehicle began experiencing mechanical issues. In XX/XX/XXXX, I first brought the vehicle to a XXXX dealership for service. The issues were not fully resolved and continued over time. Later, between XX/XX/XXXX and XX/XX/XXXX, the vehicle was in the shop for over XXXX months under warranty and required a rental vehicle during that time. The vehicle continued to experience problems involving the engine, oil pump system, and transmission. In XXXX, additional repairs were performed at a XXXX dealership in XXXX, Connecticut, and towing was required. In XXXX, the vehicle experienced major engine issues, including oil pressure problems. A XXXX dealership documented that the condition could lead to engine XXXX and increased risk of a crash.…

Car was listed in bankruptcy when filed! Also car was repossessed 2 years ago but CAF ( Carmax auto financing ) is still reporting on my credit as if Im making late payments!

I am submitting a complaint regarding my experience with CarMax Auto Finance and their policy on late fee reversals. I acknowledge that I have incurred late fees on my account due to past late payments. I take full responsibility for those delays. At this time, however, my account is fully current. My concern is with CarMax Auto Finances strict policy of allowing only one late fee reversal per loan term, regardless of customer history or circumstances. Over the past 23 years, I have financed four vehicles through CarMax Auto Finance, all purchased through CarMax. This demonstrates a long-standing and loyal customer relationship. Despite this history, I was informed that no additional consideration could be given beyond a single late fee credit. I am not requesting a full refund of all late fees, but rather a reasonable accommodationsuch as a partial reduction of accumulated fees ( approximately {$200.00} total ).…

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 do not recognize the information provided. It is not 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>.…

In XX/XX/XXXX, I financed a vehicle through CarMax Auto Finance. In approximately XX/XX/XXXX, I completed a trade-in transaction at CarMax and obtained new financing through a separate lender. As part of that transaction, CarMax Auto Finance provided a payoff amount directly to my new lender. That payoff amount was relied upon and paid in full to satisfy the loan. After the transaction was completed, I was not informed of any remaining balance on the account. I did not receive any notice of a deficiency, missed payment, or issue related to the payoff. Several weeks later, I discovered that CarMax Auto Finance had applied an additional balance of approximately {$5000.00} to the account. I was eventually informed that this balance resulted from a check that was retroactively determined to have bounced, which was not reflected at the time the payoff amount was calculated and provided.…

I am filing a renewed complaint regarding inaccurate reporting, improper accounting, and failure to conduct a reasonable investigation into my disputed auto loan account. My vehicle was declared a total loss. Insurance proceeds and GAP coverage were applied to the account. Despite this, CarMax Auto Finance claims that a remaining balance of {$9400.00} exists. However, they have failed to provide a complete and verifiable accounting supporting this figure. The transaction history provided by CarMax shows that for an extended period, the principal balance remained unchanged at approximately {$23000.00} despite ongoing payments, fees, and account activity. This strongly indicates that payments were not properly applied or that the account was not accurately maintained. Additionally, I previously contacted CarMax directly via email disputing this account and requesting documentation.…

I am requesting that this account be corrected and updated to accurately reflect the status of the vehicle after voluntary surrender. The vehicle was surrendered and is no longer in my possession. I received notification that the vehicle would be sold, which indicates the lender has taken ownership and disposed of the asset. However, the account is still being reported as if I owe the full original balance, which is inaccurate and misleading. I am requesting the following : An updated account status reflecting voluntary surrender/repossession A corrected balance that reflects the sale of the vehicle and any remaining deficiency balance, if applicable A full accounting of the sale, including the sale price and how the remaining balance was calculated Correction of any inaccurate or misleading reporting to all credit bureaus ( XXXX, XXXX, and XXXX ) Removal or correction of any reporting that does not comply with XXXX XXXX or the Fair Credit Reporting Act ( FCRA ) This inaccurate…

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.…

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.…