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Auto loans & leases

Repossession

Consumers have filed 15,717 complaints about this, 6,741 in the last 12 months (+24%), against 541 companies. The most complained-about is Westlake Financial. Companies closed 7% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Loan balance remaining after the vehicle is repossessed and sold3,80724%
  • Account reinstatement or redemption after repossession2,20414%
  • Deficiency balance after repossession1,97013%
  • Notice to repossess1,73211%
  • Lender trying to repossess or disable the vehicle1,71411%
  • Voluntary repossession1,68811%
  • Damage caused or loss of personal items in vehicle during the actual repossession1,1377%
  • Company explaining amount owed7745%
  • Company communicating payment assistance or payment extension options6914%

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 13, 2026American Credit AcceptanceAuto loans & leasesRepossessionAccount reinstatement or redemption after repossessionAZIn progressYes
Nov 13, 2026American Credit AcceptanceAuto loans & leasesRepossessionNotice to repossessPAIn progressYes
Nov 13, 2026American Credit AcceptanceAuto loans & leasesRepossessionCompany communicating payment assistance or payment extension optionsFLIn progressYes
Nov 12, 2026American Lending FinanceAuto loans & leasesRepossessionNotice to repossessMIExplainedYes
Nov 12, 2026UpstartAuto loans & leasesRepossessionCompany explaining amount owedILIn progressYes
Nov 12, 2026American Credit AcceptanceAuto loans & leasesRepossessionCompany explaining amount owedNYIn progressYes
Nov 12, 2026American Honda FinanceAuto loans & leasesRepossessionNotice to repossessNCExplainedYes
Nov 12, 2026American Honda FinanceAuto loans & leasesRepossessionLoan balance remaining after the vehicle is repossessed and soldSCExplainedYes
Nov 11, 2026Ally FinancialAuto loans & leasesRepossessionLoan balance remaining after the vehicle is repossessed and soldGAIn progressYes
Nov 11, 2026BMW Financial ServicesAuto loans & leasesRepossessionDeficiency balance after repossessionNCIn progressYes
Nov 11, 2026Westlake FinancialAuto loans & leasesRepossessionCompany explaining amount owedCAExplainedYes
Nov 11, 2026Car World GroupAuto loans & leasesRepossessionCompany explaining amount owedTNIn progressYes
Nov 11, 2026Ally FinancialAuto loans & leasesRepossessionLoan balance remaining after the vehicle is repossessed and soldTXIn progressYes
Nov 11, 2026Westlake FinancialAuto loans & leasesRepossessionCompany explaining amount owedTXExplainedYes
Nov 11, 2026American Honda FinanceAuto loans & leasesRepossessionDamage caused or loss of personal items in vehicle during the actual repossessionCAExplainedYes

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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