States › North Carolina › Vehicle loan or lease
Who in North Carolina 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.
North Carolina consumers filed 905 complaints under “Vehicle loan or lease” in the 12 months to 30 Sep 2026, up 41% on the 642 of the 12 months before. That is 8.10 per 100,000 residents, close to the national 7.10.
The category makes up 0.4% of the state's complaints, against 0.4% nationally. 8.5% of closed complaints ended with monetary or non-monetary relief (8.8% nationally) and 98.3% of responses were timely.
Companies with the most Vehicle loan or lease complaints from North Carolina, with their size
Ordered by complaints from North Carolina consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from NC, 12 months | Share | Company size |
|---|---|---|---|
| SANTANDER HOLDINGS USA, INC. | 91 | 10.1% | $104bn assets |
| ALLY FINANCIAL INC. | 78 | 8.6% | $188bn assets |
| Westlake Services, LLC | 75 | 8.3% | no public measure |
| Bridgecrest Acceptance Corporation | 53 | 5.9% | no public measure |
| Exeter Finance, LLC. | 47 | 5.2% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 44 | 4.9% | $662bn assets |
| NAVY FEDERAL CREDIT UNION | 29 | 3.2% | $204bn assets |
| STATE EMPLOYEES’ CREDIT UNION | 28 | 3.1% | no public measure |
| TRUIST FINANCIAL CORPORATION | 25 | 2.8% | $548bn assets |
| American Credit Acceptance, LLC | 23 | 2.5% | no public measure |
| CarMax, Inc. | 23 | 2.5% | no public measure |
| WELLS FARGO & COMPANY | 21 | 2.3% | $1.92tn assets |
| HYUNDAI CAPITAL AMERICA | 20 | 2.2% | no public measure |
| World Omni Financial Corp. | 19 | 2.1% | no public measure |
| Global Lending Services LLC | 19 | 2.1% | no public measure |
| CREDIT ACCEPTANCE CORPORATION | 18 | 2% | no public measure |
| AMERICAN HONDA FINANCE CORP | 16 | 1.8% | no public measure |
| General Motors Financial Company, Inc. | 16 | 1.8% | no public measure |
| JPMORGAN CHASE & CO. | 15 | 1.7% | $4.09tn assets |
| TOYOTA MOTOR CREDIT CORPORATION | 14 | 1.5% | no public measure |
| All other companies, including those not listed by name | 231 | 25.5% | — |
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 20 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 |
|---|---|---|
| Repossession | 258 | 28.5% |
| Managing the loan or lease | 245 | 27.1% |
| Problems at the end of the loan or lease | 120 | 13.3% |
| Incorrect information on your report | 120 | 13.3% |
| Getting a loan or lease | 66 | 7.3% |
| Struggling to pay your loan | 46 | 5.1% |
| Problem with a company's investigation into an existing problem | 39 | 4.3% |
| Improper use of your report | 9 | 1% |
| Credit monitoring or identity theft protection services | 1 | 0.1% |
| Unable to get your credit report or credit score | 1 | 0.1% |
How companies responded
- Closed with explanation804 · 88.8%
- Closed with non-monetary relief63 · 7%
- In progress21 · 2.3%
- Closed with monetary relief12 · 1.3%
- All other categories5 · 0.6%
| Measure | North Carolina, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 8.10 | 7.10 |
| Closed with monetary or non-monetary relief | 8.5% | 8.8% |
| Responses marked timely | 98.3% | 98.1% |
Trend
Other products in North Carolina
Credit reporting or other personal consumer reports · 224,555Debt collection · 12,842Credit card · 2,788Checking or savings account · 2,724Money transfer, virtual currency, or money service · 1,288Mortgage · 1,025Student loan · 710Payday loan, title loan, personal loan, or advance loan · 606
Questions and answers
How many Vehicle loan or lease complaints come from North Carolina?
905 in the 12 months to 30 Sep 2026, 642 in the 12 months before and 3,736 since 2011.
Is that high for the population?
8.10 per 100,000 residents in North Carolina against 7.10 nationally.
Which issues come up most?
“Repossession” (28.5%), “Managing the loan or lease” (27.1%), “Problems at the end of the loan or lease” (13.3%), “Incorrect information on your report” (13.3%).
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 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.