Auto loans & leases
Capital One auto loans & leases complaints
Consumers have filed 6,196 complaints about Capital One's auto loans & leases, 1,225 in the last 12 months (+17%). Capital One answered 100% on time and closed 2% with relief. See the whole Capital One record.
Capital One against other auto lenders
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Santander Holdings USA | 2,463 | 100% | 36% |
| 2 | Ally Financial | 1,987 | 100% | 4% |
| 3 | Westlake Financial | 1,921 | 100% | 0% |
| 4 | Credit Acceptance | 1,277 | 99.7% | 4% |
| 5 | Capital One | 1,225 | 100% | 2% |
| 6 | Bridgecrest | 1,019 | 99.5% | 0% |
| 7 | Hyundai Capital America | 996 | 100% | 0% |
| 8 | Toyota Financial Services | 938 | 99.9% | 6% |
| 9 | Exeter Finance | 830 | 99.9% | 0% |
| 10 | Wells Fargo | 686 | 100% | 19% |
| 11 | American Honda Finance | 556 | 99.6% | 0% |
| 12 | American Credit Acceptance | 554 | 100% | 0% |
Latest Capital One auto loans & leases complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 5, 2026 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 5, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Oct 5, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Oct 5, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Oct 5, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Oct 5, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Oct 4, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Oct 3, 2026 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 2, 2026 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | Explained |
| Oct 2, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Oct 2, 2026 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Explained |
| Oct 2, 2026 | Auto loans & leases | RepossessionNotice to repossess | Explained |
| Oct 1, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Oct 1, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | In progress |
| Oct 1, 2026 | Auto loans & leases | Getting a loan or leaseProblem with signing the paperwork | Explained |
| Oct 1, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | In progress |
| Oct 1, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Sep 30, 2026 | Auto loans & leases | RepossessionVoluntary repossession | In progress |
| Sep 30, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| Sep 30, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Sep 30, 2026 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Sep 30, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | In progress |
| Sep 30, 2026 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Sep 29, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Sep 29, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Sep 29, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | In progress |
| Sep 29, 2026 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Money back |
| Sep 28, 2026 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 28, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Sep 28, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
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
Complaint records are public consumer complaints filed with U.S. regulators, checked (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
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