States › Kentucky › Vehicle loan or lease
Who in Kentucky 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.
Kentucky consumers filed 198 complaints under “Vehicle loan or lease” in the 12 months to 1 Oct 2026, up 42% on the 139 of the 12 months before. That is 4.30 per 100,000 residents, below the national 7.10.
The category makes up 0.8% of the state's complaints, against 0.4% nationally. 8.4% of closed complaints ended with monetary or non-monetary relief (8.8% nationally) and 97.5% of responses were timely.
Companies with the most Vehicle loan or lease complaints from Kentucky, with their size
Ordered by complaints from Kentucky consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from KY, 12 months | Share | Company size |
|---|---|---|---|
| SANTANDER HOLDINGS USA, INC. | 19 | 9.6% | $104bn assets |
| CREDIT ACCEPTANCE CORPORATION | 12 | 6.1% | no public measure |
| ALLY FINANCIAL INC. | 12 | 6.1% | $188bn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 10 | 5.1% | $662bn assets |
| Byrider Franchising, LLC | 10 | 5.1% | no public measure |
| Bridgecrest Acceptance Corporation | 10 | 5.1% | no public measure |
| Westlake Services, LLC | 10 | 5.1% | no public measure |
| HYUNDAI CAPITAL AMERICA | 10 | 5.1% | no public measure |
| Exeter Finance, LLC. | 9 | 4.5% | no public measure |
| TOYOTA MOTOR CREDIT CORPORATION | 9 | 4.5% | no public measure |
| HUNTINGTON NATIONAL BANK, THE | 6 | 3% | $283bn assets |
| Global Lending Services LLC | 5 | 2.5% | no public measure |
| All other companies, including those not listed by name | 76 | 38.4% | — |
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. 4 of the 12 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
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Managing the loan or lease | 64 | 32.3% |
| Problems at the end of the loan or lease | 41 | 20.7% |
| Repossession | 36 | 18.2% |
| Getting a loan or lease | 23 | 11.6% |
| Incorrect information on your report | 15 | 7.6% |
| Struggling to pay your loan | 12 | 6.1% |
| Problem with a company's investigation into an existing problem | 4 | 2% |
| Improper use of your report | 3 | 1.5% |
How companies responded
- Closed with explanation171 · 86.4%
- Closed with non-monetary relief12 · 6.1%
- In progress7 · 3.5%
- Closed with monetary relief4 · 2%
- All other categories4 · 2%
| Measure | Kentucky, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 4.30 | 7.10 |
| Closed with monetary or non-monetary relief | 8.4% | 8.8% |
| Responses marked timely | 97.5% | 98.1% |
Trend
Other products in Kentucky
Credit reporting or other personal consumer reports · 22,327Debt collection · 1,609Checking or savings account · 654Credit card · 598Money transfer, virtual currency, or money service · 311Mortgage · 262Payday loan, title loan, personal loan, or advance loan · 178Student loan · 171
Questions and answers
How many Vehicle loan or lease complaints come from Kentucky?
198 in the 12 months to 1 Oct 2026, 139 in the 12 months before and 786 since 2011.
Is that high for the population?
4.30 per 100,000 residents in Kentucky against 7.10 nationally.
Which issues come up most?
“Managing the loan or lease” (32.3%), “Problems at the end of the loan or lease” (20.7%), “Repossession” (18.2%), “Getting a loan or lease” (11.6%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 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.