Issues › Vehicle loan or lease
Who is complaining aboutRepossession?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Consumers chose the issue “Repossession” on 6,497 complaints in the 12 months to 30 Sep 2026, up 28% on the 5,093 of the 12 months before. That is 0.1% of all complaints received.
100% of them were filed under the product “Vehicle loan or lease”, where the issue makes up 26.6% of that product's complaints.
Company responses on this issue: 89.1% closed with an explanation, 6% closed with non-monetary relief, 0.8% closed with monetary relief, and 3.1% still in progress when the file was published. 98% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Vehicle loan or lease | 6,497 | 100% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Loan balance remaining after the vehicle is repossessed and sold | 1,262 | 19.4% |
| Account reinstatement or redemption after repossession | 1,018 | 15.7% |
| Deficiency balance after repossession | 963 | 14.8% |
| Lender trying to repossess or disable the vehicle | 758 | 11.7% |
| Notice to repossess | 697 | 10.7% |
| Voluntary repossession | 679 | 10.5% |
| Damage caused or loss of personal items in vehicle during the actual repossession | 530 | 8.2% |
| Company explaining amount owed | 297 | 4.6% |
| Company communicating payment assistance or payment extension options | 293 | 4.5% |
Which companies, with their size
Ordered by the number of complaints carrying this issue in the last 12 months.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| Westlake Services, LLC | 640 | 9.9% | no public measure | — |
| SANTANDER HOLDINGS USA, INC. | 556 | 8.6% | $104bn assets | 5.35 |
| ALLY FINANCIAL INC. | 416 | 6.4% | $188bn assets | 2.21 |
| CREDIT ACCEPTANCE CORPORATION | 350 | 5.4% | no public measure | — |
| Bridgecrest Acceptance Corporation | 340 | 5.2% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 279 | 4.3% | $662bn assets | 0.42 |
| Exeter Finance, LLC. | 211 | 3.2% | no public measure | — |
| TOYOTA MOTOR CREDIT CORPORATION | 191 | 2.9% | no public measure | — |
| American Credit Acceptance, LLC | 185 | 2.8% | no public measure | — |
| Global Lending Services LLC | 176 | 2.7% | no public measure | — |
| HYUNDAI CAPITAL AMERICA | 162 | 2.5% | no public measure | — |
| WELLS FARGO & COMPANY | 150 | 2.3% | $1.92tn assets | 0.08 |
| General Motors Financial Company, Inc. | 142 | 2.2% | no public measure | — |
| NAVY FEDERAL CREDIT UNION | 115 | 1.8% | $204bn assets | 0.56 |
| AMERICAN HONDA FINANCE CORP | 108 | 1.7% | no public measure | — |
| JPMORGAN CHASE & CO. | 98 | 1.5% | $4.09tn assets | 0.02 |
| CarMax, Inc. | 93 | 1.4% | no public measure | — |
| TRUIST FINANCIAL CORPORATION | 90 | 1.4% | $548bn assets | 0.16 |
| Consumer Portfolio Services, Inc. | 86 | 1.3% | no public measure | — |
| NISSAN MOTOR ACCEPTANCE COMPANY LLC | 84 | 1.3% | no public measure | — |
| Mercedes Benz Financial Services | 78 | 1.2% | no public measure | — |
| EQUIFAX, INC. | 68 | 1% | no public measure | — |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 64 | 1% | no public measure | — |
| Americas Car-Mart, Inc. | 60 | 0.9% | no public measure | — |
| FORD MOTOR CREDIT CO. | 57 | 0.9% | no public measure | — |
| All other companies, including those not listed by name | 1,698 | 26.1% | — | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 7 of the 25 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation5,791 · 89.1%
- Closed with non-monetary relief393 · 6%
- In progress203 · 3.1%
- Untimely response57 · 0.9%
- All other categories53 · 0.8%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 7.1% | 31.6% |
| Closed with monetary relief | 0.8% | 0.5% |
| Responses marked timely | 98% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Repossession” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau. Sub-issues recorded under it include “Loan balance remaining after the vehicle is repossessed and sold”, “Account reinstatement or redemption after repossession”, “Deficiency balance after repossession”.
How many complaints carry this issue?
6,497 in the 12 months to 30 Sep 2026 and 14,690 since 2023.
Which products does it apply to?
“Vehicle loan or lease” (100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.