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ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($)
Sep. 30, 2025
Jun. 30, 2025
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]            
Payments allocated to future purchase activity $ 0          
Allowance for credit loss $ 2,070,000,000 $ 2,098,000,000 $ 2,241,000,000 $ 2,190,000,000 $ 2,164,000,000 $ 2,328,000,000
Portfolio reserve rates 11.70%          
Other Loans            
Financing Receivable, Allowance for Credit Loss [Line Items]            
Allowance for credit loss $ 25,000,000   $ 30,000,000