Who is complaining aboutVehicle loan or lease?
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.
“Vehicle loan or lease” accounts for 24,405 complaints in the 12 months to 30 Sep 2026, or 0.4% of everything the CFPB received, up 33% on the 18,385 of the 12 months before.
277 companies listed on this site received at least one complaint in the category. The issue chosen most often was “Managing the loan or lease” (29.5%).
Company responses in the category: 87.7% closed with an explanation, 6.4% closed with non-monetary relief, 2.1% closed with monetary relief, and 3.2% still in progress when the file was published. 98.1% were timely.
Tables below list companies by complaint count with their size beside them. Larger companies serve more customers and can be expected to receive more complaints; the per-size table covers only companies with a public asset figure.
Companies with the most complaints, with their size
Ordered by complaint count in the last 12 months. The size column is the public measure this site could match to the company; the last column divides the count by bank or credit union assets where one exists.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| SANTANDER HOLDINGS USA, INC. | 2,348 | 9.6% | $104bn assets | 22.6 |
| ALLY FINANCIAL INC. | 1,869 | 7.7% | $188bn assets | 9.93 |
| Westlake Services, LLC | 1,844 | 7.6% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 1,238 | 5.1% | $662bn assets | 1.87 |
| CREDIT ACCEPTANCE CORPORATION | 1,109 | 4.5% | no public measure | — |
| Bridgecrest Acceptance Corporation | 957 | 3.9% | no public measure | — |
| TOYOTA MOTOR CREDIT CORPORATION | 900 | 3.7% | no public measure | — |
| HYUNDAI CAPITAL AMERICA | 894 | 3.7% | no public measure | — |
| Exeter Finance, LLC. | 792 | 3.2% | no public measure | — |
| WELLS FARGO & COMPANY | 636 | 2.6% | $1.92tn assets | 0.33 |
| AMERICAN HONDA FINANCE CORP | 529 | 2.2% | no public measure | — |
| American Credit Acceptance, LLC | 521 | 2.1% | no public measure | — |
| General Motors Financial Company, Inc. | 493 | 2% | no public measure | — |
| Global Lending Services LLC | 491 | 2% | no public measure | — |
| JPMORGAN CHASE & CO. | 488 | 2% | $4.09tn assets | 0.12 |
| NAVY FEDERAL CREDIT UNION | 474 | 1.9% | $204bn assets | 2.32 |
| TRUIST FINANCIAL CORPORATION | 416 | 1.7% | $548bn assets | 0.76 |
| NISSAN MOTOR ACCEPTANCE COMPANY LLC | 389 | 1.6% | no public measure | — |
| CarMax, Inc. | 321 | 1.3% | no public measure | — |
| Mercedes Benz Financial Services | 278 | 1.1% | no public measure | — |
| TD BANK US HOLDING COMPANY | 266 | 1.1% | $375bn assets | 0.71 |
| FORD MOTOR CREDIT CO. | 246 | 1% | no public measure | — |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 245 | 1% | $2.65tn assets | 0.09 |
| Consumer Portfolio Services, Inc. | 238 | 1% | no public measure | — |
| VW Credit | 213 | 0.9% | no public measure | — |
| World Omni Financial Corp. | 183 | 0.7% | no public measure | — |
| OneMain Finance Corporation | 174 | 0.7% | no public measure | — |
| BMW Financial Services NA, LLC | 167 | 0.7% | no public measure | — |
| Stellantis Financial Services US Corp. | 166 | 0.7% | no public measure | — |
| Byrider Franchising, LLC | 162 | 0.7% | no public measure | — |
| All other companies, including those not listed by name | 5,358 | 22% | — | — |
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. 9 of the 30 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.
Complaints and size, for companies with a public asset figure
Banks, bank holding companies and credit unions with at least $10 billion in assets and at least 50 complaints in this category in 12 months, ordered by complaint count; the last column divides the count by assets. Assets measure the whole institution, not its vehicle loan or lease business, so a lender that specialises in this product will show a higher figure than a diversified one of the same quality, and the figures are not a ranking.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| SANTANDER HOLDINGS USA, INC. | 2,348 | 9.6% | $104bn assets | 22.6 |
| ALLY FINANCIAL INC. | 1,869 | 7.7% | $188bn assets | 9.93 |
| CAPITAL ONE FINANCIAL CORPORATION | 1,238 | 5.1% | $662bn assets | 1.87 |
| WELLS FARGO & COMPANY | 636 | 2.6% | $1.92tn assets | 0.33 |
| JPMORGAN CHASE & CO. | 488 | 2% | $4.09tn assets | 0.12 |
| NAVY FEDERAL CREDIT UNION | 474 | 1.9% | $204bn assets | 2.32 |
| TRUIST FINANCIAL CORPORATION | 416 | 1.7% | $548bn assets | 0.76 |
| TD BANK US HOLDING COMPANY | 266 | 1.1% | $375bn assets | 0.71 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 245 | 1% | $2.65tn assets | 0.09 |
| FIFTH THIRD FINANCIAL CORPORATION | 153 | 0.6% | $299bn assets | 0.51 |
| HUNTINGTON NATIONAL BANK, THE | 138 | 0.6% | $283bn assets | 0.49 |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 123 | 0.5% | $106bn assets | 1.16 |
| PNC Bank N.A. | 119 | 0.5% | $610bn assets | 0.20 |
| U.S. BANCORP | 105 | 0.4% | $706bn assets | 0.15 |
| PENTAGON FEDERAL CREDIT UNION | 92 | 0.4% | $29bn assets | 3.15 |
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. 15 of the 15 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.
Issues
- Managing the loan or lease7,208 · 29.5%
- Repossession6,497 · 26.6%
- Problems at the end of the loan or lease3,702 · 15.2%
- Getting a loan or lease2,584 · 10.6%
- Incorrect information on your report2,160 · 8.9%
- All other categories2,254 · 9.2%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Managing the loan or lease | 7,208 | 29.5% |
| Repossession | 6,497 | 26.6% |
| Problems at the end of the loan or lease | 3,702 | 15.2% |
| Getting a loan or lease | 2,584 | 10.6% |
| Incorrect information on your report | 2,160 | 8.9% |
| Struggling to pay your loan | 1,130 | 4.6% |
| Problem with a company's investigation into an existing problem | 821 | 3.4% |
| Improper use of your report | 190 | 0.8% |
| Credit monitoring or identity theft protection services | 75 | 0.3% |
| Unable to get your credit report or credit score | 20 | 0.1% |
| Problem with fraud alerts or security freezes | 17 | 0.1% |
| Problem with credit report or credit score | 1 | <0.1% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| Loan | 21,078 | 86.4% |
| Lease | 3,327 | 13.6% |
How companies responded
- Closed with explanation21,393 · 87.7%
- Closed with non-monetary relief1,562 · 6.4%
- In progress778 · 3.2%
- Closed with monetary relief510 · 2.1%
- All other categories162 · 0.7%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 8.8% | 31.6% |
| Closed with monetary relief | 2.2% | 0.5% |
| Responses marked timely | 98.1% | 99.6% |
| Complaints tagged servicemember | 11.8% | 1.5% |
| Complaints tagged older American | 4.6% | 0.7% |
National trend
By state, per 100,000 residents
| State | Complaints, 12 months | Per 100,000 residents |
|---|---|---|
| Georgia | 1,588 | 14.0 |
| District of Columbia | 97 | 14.0 |
| Florida | 3,103 | 13.2 |
| Maryland | 704 | 11.2 |
| Delaware | 114 | 10.8 |
| Nevada | 327 | 10.0 |
| Louisiana | 425 | 9.20 |
| Mississippi | 257 | 8.70 |
| North Carolina | 905 | 8.10 |
| Texas | 2,529 | 8.00 |
| South Carolina | 443 | 8.00 |
| New Jersey | 755 | 7.90 |
| Alabama | 396 | 7.60 |
| Illinois | 938 | 7.40 |
| Virginia | 649 | 7.30 |
The 15 states with the highest rate; national rate 7.10. Filing rates also reflect how widely the CFPB is known in a state.
Questions and answers
How many Vehicle loan or lease complaints does the CFPB receive?
24,405 in the 12 months to 30 Sep 2026, against 18,385 in the 12 months before, and 103,865 since 2017.
Which companies receive the most complaints in this category?
By count, SANTANDER HOLDINGS USA, INC. (2,348), ALLY FINANCIAL INC. (1,869), Westlake Services, LLC (1,844) in the last 12 months. Counts follow company size: “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.”
What are the complaints about?
The issues selected most often: “Managing the loan or lease” (29.5%), “Repossession” (26.6%), “Problems at the end of the loan or lease” (15.2%), “Getting a loan or lease” (10.6%).
How do companies respond?
Across the category: 87.7% closed with an explanation, 6.4% closed with non-monetary relief, 2.1% closed with monetary relief, and 3.2% still in progress when the file was published. 98.1% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. A complaint is the consumer's account; the company's response is recorded beside it.
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.