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Auto loans & leases

Getting a loan or lease

Consumers have filed 14,326 complaints about this, 2,619 in the last 12 months (+2%), against 504 companies. The most complained-about is Westlake Financial. Companies closed 6% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Fraudulent loan3,07621%
  • Credit denial2,72919%
  • Loan opened without my consent or knowledge2,34116%
  • Confusing or misleading advertising or marketing2,19215%
  • Changes in terms mid-deal or after closing1,49410%
  • High-pressure sales tactics7916%
  • Problem with signing the paperwork7565%
  • Problem with additional add-on products or services purchased with the loan5894%
  • Problem with a trade-in1801%
  • Did not receive car title1080.8%
  • Confusing or misleading advertising700.5%

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 12, 2026Ally FinancialAuto loans & leasesGetting a loan or leaseLoan opened without my consent or knowledgeCAIn progressYes
Nov 12, 2026American Credit AcceptanceAuto loans & leasesGetting a loan or leaseLoan opened without my consent or knowledgeINIn progressYes
Nov 11, 2026Navy Federal Credit UnionAuto loans & leasesGetting a loan or leaseLoan opened without my consent or knowledgeNJIn progressYes
Nov 11, 2026Westlake FinancialAuto loans & leasesGetting a loan or leaseLoan opened without my consent or knowledgePAExplainedYes
Nov 10, 2026TransUnionAuto loans & leasesGetting a loan or leaseLoan opened without my consent or knowledgeCAIn progressYes
Nov 10, 2026TransUnionAuto loans & leasesGetting a loan or leaseLoan opened without my consent or knowledgeCAIn progressYes
Nov 10, 2026Ally FinancialAuto loans & leasesGetting a loan or leaseCredit denialWIIn progressYes
Nov 9, 2026BMW Financial ServicesAuto loans & leasesGetting a loan or leaseCredit denialCOIn progressYes
Nov 9, 2026Navy Federal Credit UnionAuto loans & leasesGetting a loan or leaseDid not receive car titleFLIn progressYes
Nov 8, 2026Golden 1 Credit UnionAuto loans & leasesGetting a loan or leaseConfusing or misleading advertising or marketingCAExplainedYes
Nov 7, 2026Westlake FinancialAuto loans & leasesGetting a loan or leaseDid not receive car titleCAExplainedYes
Nov 7, 2026Ford CreditAuto loans & leasesGetting a loan or leaseChanges in terms mid-deal or after closingNVIn progressYes
Nov 6, 2026Mercedes-Benz Financial ServicesAuto loans & leasesGetting a loan or leaseCredit denialTXExplainedYes
Nov 6, 2026Ally FinancialAuto loans & leasesGetting a loan or leaseProblem with signing the paperworkGAIn progressYes
Nov 6, 2026American Honda FinanceAuto loans & leasesGetting a loan or leaseCredit denialTXExplainedYes

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

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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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