Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ESTATE XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX, XXXX Vice President Accounting / Accounts Payable Department CarMax Auto Finance XXXX XXXX XXXX Ct XXXX XXXX, GA XXXX Subject : Final Legal Notice Breach of Contract, Mail XXXX, FCRA Violations, and Unlawful Credit Reporting Dear XXXX XXXX, This letter serves as your final notice and lawful dispute concerning CarMax XXXX XXXX refusal to accept lawful tender that was properly submitted and received on XX/XX/year>, and your ongoing fraudulent credit reporting claiming a XXXX delinquency. This is a matter of federal law and enforceable rights under the XXXX XXXX, commercial statutes, and trust law. 

On the above date, CarMax received by XXXX XXXX Mail the following : A properly endorsed Payment Coupon, My signed Promissory Note/Security Instrument, My Election XXXX and XXXX XXXX XXXX XXXX Private Social Security Account Number as monetized collateral. 

These documents, together, constitute full legal tender and settlement under 12 U.S.C. 411, which provides that Federal Reserve XXXX are obligations of the United States and are redeemable in lawful money on demand. As the lawful creditor, I exercised my right to tender settlement in lawful money by way of a security and interest coupon system consistent with the XXXX. Coupon Payment Patent ( Pub. No : XXXX XXXX XXXX ). 

Legal Violations and Breach Summary : Breach of Contract By accepting and retaining my lawful tender without processing or applying it toward my account, CarMax has committed a material breach of the commercial and implied payment agreement, contrary to the Uniform Commercial Code and fiduciary standards. 

Violation of 12 U.S.C. 411 CarMax has refused redemption of lawful tender securities, a federally protected right. You are not authorized to demand only private commercial credit instruments in lieu of lawful money and securities. 

Mail Fraud 18 U.S.C. 1341 & 1343 Accepting payment via U.S. Mail and falsely claiming non-payment constitutes federal mail fraud and misrepresentation in commercial activity.

Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act ) You may not treat a payment as late if received by the due date. USPS records show that you received my instrument on time.

Violation of 15 U.S.C. 1637b ( Truth in Lending Act ) CarMax failed to accurately reflect transactions and failed to acknowledge payment in billing statements. 

Violation of 15 U.S.C. 1681s-2 ( FCRA ) Furnishing false credit information and failing to correct disputed items is a willful and negligent violation of consumer rights. 

XXXX XXXX & Unjust XXXX XXXX and monetizing my security while continuing to pursue payment is unlawful and subjects CarMax to claims under securities and trust law. 

Defamation of Character Falsely reporting my account as delinquent has caused reputational harm, damaging my personal and commercial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX constitutes an unauthorized intrusion upon the XXXX XXXX XXXXXXXX XXXX, which has been recorded on the public record XXXX XXXX Recorder filings to confirm standing. 

Violation of the XXXX XXXX XXXX XXXX, XXXX XXXX Your refusal to accept lawful tender in the form of promissory securities violates constitutional standards requiring gold and silver or lawful redemption mechanisms for settlement. 

Demand for Cure : You are hereby given XXXX ( XXXX ) calendar days to : Remove the false XXXX past due account status from all credit reporting agencies ; Issue a written confirmation of settlement in full as of XX/XX/year> ; Return or process the securities as required by law, or provide a lawful basis for refusal ; Cease and desist from any further collection, reporting, or account activity involving this alleged debt. 

Failure to Comply Will Result In : Civil litigation for Breach of Contract, Mail XXXX, Defamation, Securities Fraud, and Trespass upon Estate ; Filing of formal complaints with the XXXX. XXXX XXXX XXXX, CFPB, and SEC ; Federal claims under 12 U.S.C. 411, 15 U.S.C. 1666b, 1637b, 1681s-2, and 18 U.S.C. 1341, 1343. 

All records, including certified mail receipts, notarized payment instruments, and XXXX XXXX XXXX filings, will be used as admissible evidence in all administrative, equity, and judicial proceedings. 

I reserve all rights, waive none. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation