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Data / Consumer complaints / Vehicle loan or lease

Vehicle loan or lease: 57,638 CFPB complaints in the last 3 years, by company

The CFPB database lists 57,638 consumer complaints about vehicle loan or lease in the three years to November 6, 2026, against 826 companies. Santander Holdings USA, Inc. has the largest count, 4,934, which is 8.6% of the product's complaints. Companies responded on time to 98.4% of them, and 8.8% closed with monetary or other relief. A count is not a rate: a company with more customers draws more complaints.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Get every company with more than 100 complaintsWatch this productGet vehicle loan or lease in Florida
  • 57,638Complaints, last 3 years
  • 826Companies
  • 98.4%Responded on time
  • 8.8%Closed with relief
  • Nov 6, 2026Latest received

Companies by complaints

Ranked by the number of complaints, with each company's share of this product's complaints. Counts only: a larger company can draw more complaints.

CompanyComplaintsShareResponded on timeClosed with relief
Santander Holdings USA, Inc.4,9348.6%99.9%32.4%
Ally Financial Inc.4,1707.2%100%5.4%
Westlake Services, LLC3,8646.7%99.9%0%
Credit Acceptance Corporation3,3865.9%99.8%7.2%
Capital One Financial Corporation2,8454.9%100%1.5%
Bridgecrest Acceptance Corporation2,2123.8%98.9%0%
Toyota Motor Credit Corporation2,1053.7%99.9%6.2%
Hyundai Capital America1,9493.4%100%0.1%
Exeter Finance, LLC.1,8263.2%99.9%0%
Wells Fargo & Company1,5762.7%100%15.9%
General Motors Financial Company, Inc.1,2982.3%100%6.3%
Navy Federal Credit Union1,2442.2%100%22.4%
JPMorgan Chase & Co.1,1812%100%12.6%
American Honda Finance Corp1,1422%99.7%0.3%
American Credit Acceptance, LLC1,0851.9%88.7%0.1%
Global Lending Services LLC1,0381.8%99.3%1%
Truist Financial Corporation1,0141.8%99.9%9.3%
Nissan Motor Acceptance Company LLC1,0041.7%96.2%0.1%
CarMax, Inc.7471.3%99.6%2.1%
Mercedes Benz Financial Services7401.3%99.9%0%
Bank of America, National Association6711.2%99.9%16.5%
TD Bank US Holding Company6271.1%100%29.8%
Ford Motor Credit Co.5551%100%11.9%
Consumer Portfolio Services, Inc.5330.9%99.8%0%
VW Credit5240.9%100%21%
FC HoldCo LLC5060.9%100%0%
TransUnion Intermediate Holdings, Inc.4930.9%100%66.1%
Carvana Group, LLC4860.8%99.2%0%
Experian Information Solutions Inc.4450.8%100%7.2%
World Omni Financial Corp.4380.8%99.8%0%
OneMain Finance Corporation4350.8%99.8%3.7%
BMW Financial Services NA, LLC4220.7%98.6%0%
Equifax, Inc.4080.7%100%40.4%
Stellantis Financial Services US Corp.3610.6%99.7%25.5%
United PanAm Financial Corp.3450.6%95.4%0%
Byrider Franchising, LLC3440.6%99.7%0%
Tesla, Inc.3430.6%72.3%0%
Fifth Third Financial Corporation3340.6%100%11.7%
United Services Automobile Association3160.5%100%13.6%
PNC Bank N.A.2980.5%100%7%
Larry H. Miller Group of Companies2690.5%100%7.8%
Pentagon Federal Credit Union2610.5%100%20.7%
U.S. Bancorp2550.4%100%37.6%
Huntington National Bank, the2510.4%100%36.7%
BMO Bank National Association2490.4%100%35.7%
Lendbuzz Inc.1970.3%100%0%
Americas Car-Mart, Inc.1890.3%97.4%0%
Cig Financial LLC1870.3%100%0%
Veros Credit, LLC1680.3%100%0%
Driveway Finance Corporation1660.3%100%0%
Lendmark Financial Services1640.3%85.4%0%
M&T Bank Corporation1600.3%100%10%
DriveTime1530.3%99.3%0%
Lobel Financial Corporation1490.3%100%0%
Volvo Car Financial Services U.S., LLC1410.2%98.6%0%
Citizens Financial Group, Inc.1400.2%100%8.6%
Harley Davidson Financial Services Inc1350.2%100%5.9%
America First Federal Credit Union1200.2%91.7%0%
First Technology Federal Credit Union1170.2%100%27.4%
Upstart Holdings, Inc.880.2%100%5.7%
Mountain America Federal Credit Union850.1%100%15.3%
Vystar Credit Union850.1%100%17.6%
Suncoast Credit Union830.1%100%0%
State Employees’ Credit Union810.1%95.1%0%
CL Holdings LLC790.1%100%7.6%
Mid-Atlantic Finance Co., Inc.760.1%100%9.2%
CCF Intermediate Holdings LLC750.1%100%2.7%
GFS II, LLC750.1%100%0%
Alliant Credit Union740.1%100%5.4%
Arivo Acceptance, LLC730.1%98.6%0%
AC AutoPay LLC, Denver, CO Branch710.1%100%0%
Universal Acceptance Corporation (Ne)660.1%100%9.1%
Aqua Finance, Inc.650.1%100%7.7%
First Help Financial, LLC630.1%98.4%7.9%
Mechanics Bank620.1%100%1.6%
Porsche Financial Services, Inc.600.1%100%3.3%
The Savings Group, Inc.590.1%100%3.4%
Auto Now Financial Services, Inc., Phoenix, AZ Branch580.1%100%0%
CCM Finance LLC560.1%76.8%0%
FourLeaf Federal Credit Union560.1%100%0%
Randolph-Brooks Federal Credit Union560.1%100%0%
Southern Auto Finance Co560.1%83.9%0%
Synchrony Financial530.1%96.2%13.2%
Flagship Financial Group LLC510.1%100%0%
Roadrunner Account Services, LLC490.1%100%0%
Security Finance Corp490.1%100%0%
NCB Management Services Inc.480.1%100%0%
Automotive Credit Corporation470.1%55.3%0%
Boeing Employees' Credit Union460.1%91.3%0%
Bepensa Capital, Inc.450.1%100%0%
First Portfolio Servicing Inc410.1%97.6%0%
Skopos Financial, LLC410.1%78%0%
Innovate Managed Holdings, LLC400.1%77.5%0%
Sensible Auto Lending, LLC390.1%100%0%
Avid Acceptance, LLC370.1%100%0%
Mei Auto Finance Inc360.1%100%0%
Open Dealer Exchange, LLC360.1%91.7%0%
First Citizens Bancshares, Inc.350.1%100%11.4%
Golden 1 Credit Union, the350.1%100%0%
Ofg Bancorp350.1%100%0%

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202625,61644.4%
12 months to Nov 6, 202519,09233.1%
12 months to Nov 6, 202412,93022.4%

Issues

IssueComplaintsShare
Managing the loan or lease16,87729.3%
Repossession15,09726.2%
Problems at the end of the loan or lease8,33714.5%
Getting a loan or lease7,09612.3%
Incorrect information on your report4,7758.3%
Struggling to pay your loan2,6974.7%
Problem with a company's investigation into an existing problem1,6362.8%
Improper use of your report8191.4%
Credit monitoring or identity theft protection services1920.3%
Unable to get your credit report or credit score740.1%
Problem with fraud alerts or security freezes370.1%
Problem with credit report or credit score10.1%

Sub-products

Sub-productComplaintsShare
Loan50,01586.8%
Lease7,62313.2%

How companies responded

Company responseComplaintsShare
Closed with explanation51,29589%
Closed with non-monetary relief3,7506.5%
Closed with monetary relief1,3172.3%
In progress9841.7%
Untimely response2920.5%

States

StateComplaintsShare
Florida6,81311.8%
California6,08810.6%
Texas5,85210.2%
Georgia4,1947.3%
New York2,8074.9%
Illinois2,2163.8%
North Carolina2,0473.6%
Pennsylvania2,0333.5%
New Jersey1,8853.3%
Ohio1,7583.1%
Maryland1,6282.8%
Michigan1,6102.8%
Virginia1,5072.6%
Arizona1,2032.1%
South Carolina1,1552%
Tennessee1,1352%
Louisiana1,1332%
Alabama9851.7%
Missouri9111.6%
Indiana9061.6%
Nevada8231.4%
Massachusetts8081.4%
Colorado6981.2%
Mississippi6651.2%
Connecticut5701%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedCompanyIssueCompany responseSource
November 6, 2026Ally Financial Inc.Managing the loan or leaseIn progressconsumerfinance.gov
November 6, 2026Ally Financial Inc.Getting a loan or leaseIn progressconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Managing the loan or leaseIn progressconsumerfinance.gov
November 6, 2026Ally Financial Inc.Managing the loan or leaseIn progressconsumerfinance.gov
November 6, 2026Ally Financial Inc.Problems at the end of the loan or leaseIn progressconsumerfinance.gov
November 6, 2026Ally Financial Inc.Struggling to pay your loanIn progressconsumerfinance.gov
November 6, 2026Ally Financial Inc.RepossessionIn progressconsumerfinance.gov
November 6, 2026Westlake Services, LLCRepossessionClosed with explanationconsumerfinance.gov
November 6, 2026American Credit Acceptance, LLCGetting a loan or leaseIn progressconsumerfinance.gov
November 6, 2026Westlake Services, LLCIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 6, 2026Ally Financial Inc.Problem with a company's investigation into an existing problemIn progressconsumerfinance.gov
November 6, 2026Ally Financial Inc.Managing the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.Problems at the end of the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.Problems at the end of the loan or leaseIn progressconsumerfinance.gov
November 5, 2026American Credit Acceptance, LLCManaging the loan or leaseIn progressconsumerfinance.gov
November 5, 2026AC AutoPay LLC, Denver, CO BranchGetting a loan or leaseClosed with explanationconsumerfinance.gov
November 5, 2026Westlake Services, LLCProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
November 5, 2026Ally Financial Inc.Problems at the end of the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.Managing the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.Problems at the end of the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.RepossessionIn progressconsumerfinance.gov
November 5, 2026American Credit Acceptance, LLCManaging the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.Incorrect information on your reportIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.Struggling to pay your loanIn progressconsumerfinance.gov
November 5, 2026Westlake Services, LLCRepossessionClosed with explanationconsumerfinance.gov
November 5, 2026Ally Financial Inc.RepossessionIn progressconsumerfinance.gov
November 5, 2026Mercedes Benz Financial ServicesRepossessionIn progressconsumerfinance.gov
November 5, 2026American Credit Acceptance, LLCIncorrect information on your reportIn progressconsumerfinance.gov
November 5, 2026Mercedes Benz Financial ServicesGetting a loan or leaseIn progressconsumerfinance.gov
November 5, 2026Westlake Services, LLCProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
November 5, 2026Upstart Holdings, Inc.Managing the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.Problems at the end of the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Navy Federal Credit UnionRepossessionIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.Problems at the end of the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Ally Financial Inc.RepossessionIn progressconsumerfinance.gov
November 5, 2026Navy Federal Credit UnionManaging the loan or leaseIn progressconsumerfinance.gov
November 4, 2026GFS II, LLCManaging the loan or leaseClosed with explanationconsumerfinance.gov
November 4, 2026Ally Financial Inc.Problems at the end of the loan or leaseIn progressconsumerfinance.gov
November 4, 2026Ally Financial Inc.Managing the loan or leaseIn progressconsumerfinance.gov
November 4, 2026Navy Federal Credit UnionStruggling to pay your loanIn progressconsumerfinance.gov
November 4, 2026Ally Financial Inc.Managing the loan or leaseIn progressconsumerfinance.gov
November 4, 2026Ally Financial Inc.RepossessionIn progressconsumerfinance.gov
November 4, 2026Ally Financial Inc.RepossessionIn progressconsumerfinance.gov
November 4, 2026Toyota Motor Credit CorporationGetting a loan or leaseClosed with explanationconsumerfinance.gov
November 4, 2026Global Lending Services LLCRepossessionClosed with explanationconsumerfinance.gov
November 4, 2026Westlake Services, LLCManaging the loan or leaseClosed with explanationconsumerfinance.gov
November 4, 2026Ally Financial Inc.RepossessionIn progressconsumerfinance.gov
November 4, 2026Ally Financial Inc.Problems at the end of the loan or leaseIn progressconsumerfinance.gov
November 4, 2026PNC Bank N.A.Managing the loan or leaseIn progressconsumerfinance.gov
November 4, 2026Westlake Services, LLCIncorrect information on your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.