Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: GA

Complaint narrative:
Got it heres the updated CFPB complaint draft, with your prior complaints to the Attorney General and Secretary of State included for stronger weight. 


-- - Subject : Complaint Against CarMax and XXXX for Unlawful Repossession and Violations of Trust and Consumer Rights To : Consumer Financial Protection Bureau From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga XXXX Email / Phone : XXXX Date : XX/XX/year> Parties Involved CarMax , Inc . Vehicle repossession and alleged improper handling of account. 

XXXX XXXX XXXX XXXX in account closure and alleged violations of privacy and procedural compliance. 

Summary of Complaint I am the executor of my estate, and the vehicle in question is held in an irrevocable trust under my authority. Despite this, CarMax repossessed the vehicle without proper notice, disregarding my executor status and the trust ownership. 

XXXX has contributed by violating privacy protections and mismanaging the account related to the repossession. 

I have already filed formal complaints with both the Attorney General and the Secretary of State, but these issues remain unresolved. I now seek CFPB intervention to ensure accountability and compliance. 


Facts and Details Trust Ownership and UCC Filings : The vehicle is held in an irrevocable trust. 

UCC-1 financing statements were properly filed.

A UCC-11 search confirms there are no active liens.

Account was previously charged off and closed, yet repossession was executed without my consent. 

Repossession and Corporate Misconduct : CarMax repossessed the vehicle without proper notice or following arbitration clauses in contracts. 

Repossession occurred at XXXX AM at a temporary residence, constituting trespass and disturbing the peace. 

No proper chain of assignment, documentation, or proof of ownership was provided. 

Allstates Involvement : XXXX violated privacy laws by mishandling the account and participating in repossession actions. 

XXXX did not honor my remittance submissions and ignored prior disputes. 

Attempts to Resolve : I have filed complaints with CarMax and XXXX directly. 

I have filed with the Attorney General and the Secretary of State, but both parties continue their misconduct.

I filed UCC documentation, confirmed lien status, and audited remittance to the Department of Treasury. 

Efforts to assert my rights under common law and UCC rules were disregarded. 


Impact : Emotional and mental distress due to homelessness and ongoing anxiety. 

Loss of property under improper procedure. 

Denial of legal rights as trustee/executor. 


Complaints already filed with Attorney General and Secretary of State.

Declaration I declare under penalty of perjury that the information provided is true and correct to the best of my knowledge. I request CFPB intervention to ensure compliance with statutory, XXXX, and common law rights and protection against corporate misconduct. 

SignaturXXXX XXXX XXXX XXXX_____________ Date : XXXX

Company response to consumer: Closed with explanation