Auto loans & leases

Auto loans & leases complaints Auto lenders ranked

Consumers filed 25,589 complaints about auto lenders in the last 12 months (+33% on the year before). Repossession, payment and payoff problems, add-on products, lease-end charges and credit reporting. The most complained-about is Santander Holdings USA.

Last 12 months: 25,589
Last 30 days: 1,551
Answered on time: 98.2%
Closed with relief: 9%
Money back: 2.1%
Companies: 1,301

Most complained-about auto lenders

#	Company	12 months	Change	On time	Relief	All time
1	Santander Holdings USA	2,463	+55%	100%	36%	5,915
2	Ally Financial	1,987	+53%	100%	4%	9,980
3	Westlake Financial	1,921	+69%	100%	0%	6,159
4	Credit Acceptance	1,277	+12%	99.7%	4%	6,077
5	Capital One	1,225	+17%	100%	2%	6,196
6	Bridgecrest	1,019	+29%	99.5%	0%	3,330
7	Hyundai Capital America	996	+81%	100%	0%	4,690
8	Toyota Financial Services	938	+52%	99.9%	6%	4,524
9	Exeter Finance	830	+24%	99.9%	0%	2,969
10	Wells Fargo	686	+40%	100%	19%	6,683
11	American Honda Finance	556	+57%	99.6%	0%	2,789
12	American Credit Acceptance	554	+63%	100%	0%	1,840
13	Global Lending Services	525	+52%	99.2%	1%	1,438
14	GM Financial	518	+12%	100%	3%	3,750
15	JPMorgan Chase	510	+37%	100%	14%	3,562
16	Navy Federal Credit Union	487	+15%	100%	25%	2,166
17	Truist	416	+23%	100%	10%	1,706
18	Nissan Motor Acceptance	407	+8%	93.1%	0%	2,669
19	CarMax	314	+15%	99.4%	1%	1,317
20	TD Bank	300	+55%	100%	29%	1,540
21	Bank of America	270	+39%	100%	11%	1,664
22	Mercedes-Benz Financial Services	270	-5%	99.6%	0%	1,385
23	Consumer Portfolio Services	261	+40%	100%	0%	1,119
24	Ford Credit	253	+41%	100%	10%	1,583
25	VW Credit	229	+26%	100%	26%	1,303

Most likely to give relief

Least likely to give relief

Auto loans & leases complaints by month

2023202420252026

Latest full monthThis month so farPeak: 2,523 in January 2026

What people complain about

Auto loans & leases complaints by state

Per 100,000 people, last 12 monthsFewerMore

Your rights with auto lenders

Repossession rules come from your contract and your state's law: in many states a lender can repossess without warning once you default, but it cannot breach the peace, and it must tell you how to get the car back and how it will be sold. You are usually entitled to a refund of unused add-ons such as GAP or service contracts when the loan ends early.

Scam warning: Watch for add-ons slipped into the contract, and get every promise in writing before you sign. A dealer cannot make you buy extras to get the loan.

General information, not legal advice; rules vary by state. Plain-English guides

Guides

Loans & mortgagesCar repossession: your rights and how to avoid itWhen a lender can repossess your car, your rights during and after, and how to avoid repossession.7 min read Filing a complaintHow to file a complaint against a bank or financial companyGather records, complain in writing, then escalate to the right regulator if the company does not fix it.8 min read Filing a complaintCompany response types explainedWhat each complaint response label means, why "closed" is not always "fixed", and how to read a company's record.7 min read

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Complaint records are public consumer complaints filed with U.S. regulators, checked 3 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works