Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation