Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
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. 

Because the creditor materially breached the contract first, any alleged default was induced and the repossession was invalid under Georgia law. Continued reporting of this repossession violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) due to inaccurate and incomplete furnishing.

I am requesting regulatory assistance to require full deletion of the repossession tradeline from all credit bureaus and correction of inaccurate reporting.

In the provided document is the contractual agreement between myself and Americas Car Mart, the highlighted areas are the parts of the contract that were breached by Americas Car Mart. I spoke with the general manager of the dealership and he confirmed lack of documentation where the car was service by them to fix the headlight on the vehicle as well as the agent we worker with clearing the diagnostic codes from the dashboard, they also failed to document the second interaction where we brought the car in with concerns of a rattling noise coming from the car where they cleared the diagnostic codes a second time.

Contractual Breaches 1. Failure to inspect before claim handling/ Denied receiving the diagnostic paper work after i personally provided it to them 2. Bad-faith servicing and communication 3. Concealment of defects by clearing codes/ on 2 separate occasions 4. Failure to authorize or deny repair properly 5. Violation of ordinary-use standard/ Company was full aware of the car loosing power in highways/roads, yet still required and asked for payment 6. Failure to investigate submitted documentation 7. Inaccurate credit furnishing after breach/ still reported the car as a repossession after knowing the car could not be properly used 8. Deceptive practices under Georgia law I can provide witness statements upon request as my fianc was present during each interaction Company also claimed to have tried to reach out to me about the car after i had no choice but to leave it with the auto repair shop due to not being able to drive the car, i have no records showing where i was contacted until 2 months later, they also claimed to have reached out to my references, none of my listed referenced could confirm that a call was made to them with intent to reach me

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