---
title: CFPB complaints — Vehicle loan or lease
product: Vehicle loan or lease
source: CFPB Consumer Complaint Database
sourceId: src:cfpb:complaints:current
---

# CFPB complaints — Vehicle loan or lease

**96,832** complaints (0.6% of all CFPB complaints), across **1,115** companies. Companies gave a timely response **98.2%** of the time.

**How to read this:** complaint volume tracks how many people use a product and how large its companies are — **not** how "bad" it is (credit reporting is ~80% of all CFPB complaints because the bureaus hold records on nearly every adult). The comparable signal is the **timely-response rate** (whether companies answer within CFPB's window — not whether consumers were satisfied), which isn't a function of size. A CFPB complaint is an **unverified consumer allegation**, not proven wrongdoing.

This category (MODELED) merges 1 raw CFPB product label: Vehicle loan or lease.

## What goes wrong (top issues)

| Issue | Complaints |
| --- | --- |
| Managing the loan or lease | 30,350 |
| Problems at the end of the loan or lease | 15,812 |
| Getting a loan or lease | 13,276 |
| Repossession | 12,877 |
| Struggling to pay your loan | 10,693 |
| Incorrect information on your report | 8,505 |

## Companies most complained about (volume = context, not a ranking)

Highest complaint volume (tracks size/market share), with each company's timely-response rate — the comparable signal.

| Company | Complaints | Timely response |
| --- | --- | --- |
| ALLY FINANCIAL INC. | 7,068 | 100.0% |
| CREDIT ACCEPTANCE CORPORATION | 5,054 | 99.8% |
| Westlake Services, LLC | 5,010 | 99.9% |
| SANTANDER HOLDINGS USA, INC. | 4,882 | 99.9% |
| WELLS FARGO & COMPANY | 4,632 | 95.5% |
| CAPITAL ONE FINANCIAL CORPORATION | 4,612 | 99.9% |
| Santander Consumer USA Holdings Inc. | 4,246 | 99.9% |
| HYUNDAI CAPITAL AMERICA | 3,789 | 99.5% |
| TOYOTA MOTOR CREDIT CORPORATION | 3,375 | 100.0% |
| General Motors Financial Company, Inc. | 2,921 | 99.9% |
| Bridgecrest Acceptance Corporation | 2,822 | 97.6% |
| JPMORGAN CHASE & CO. | 2,513 | 100.0% |
| Exeter Finance, LLC. | 2,392 | 99.8% |
| NISSAN MOTOR ACCEPTANCE COMPANY LLC | 1,993 | 98.8% |
| AMERICAN HONDA FINANCE CORP | 1,976 | 99.2% |

RECORDED CFPB figures + one MODELED product grouping. Not a ranking, not proven wrongdoing, not advice. File or read complaints at the CFPB Consumer Complaint Database (https://www.consumerfinance.gov/data-research/consumer-complaints/). One company's record: `/finance/companies/<slug>`.

Structured data: `/finance/products/vehicle-loan-or-lease.jsonld`