CFPB · Faster timely-response band
Ford Motor Credit Co.
3.6K CFPB complaints · 100% timely (fast band) · top issue Incorrect information on your report.
Ford Motor Credit Co. answers 100% on time (upper third) across 3.6K filings. Relief 14.4% · top product Vehicle loan or lease. Allegations, not findings.
- Volume rank #149 of 342
- Faster timely-response band
- +2312.5% filings 2012 to 2026
CFPB relief outcome brief
CCDB company ford-motor-credit-co
14.4% relief · 100% timely · 3.6K filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Carolina Finance, LLC (15.1% relief)
Ford Motor Credit Co. closes 14.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Ford Motor Credit Co.'s 3.6K filings include narrative text
41.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Ford Motor Credit Co. complaint mix by product
- Vehicle loan 1K 32.0% – 21% relief
- Credit reporting 844 23.8% – 7% relief
- Credit reporting, 653 18.4% – 16% relief
- Debt collection 502 14.2% – 9% relief
- Consumer Loan 378 10.7% – 16% relief
- Credit card 18 0.5% – 17% relief
- Credit reporting 14 0.4% – 21% relief
Higher-relief mix: how Ford Motor Credit Co.'s 3.6K complaints split across CFPB product categories.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 1.1K |
| Credit reporting or other personal consumer reports | 844 |
| Credit reporting, credit repair services, or other personal consumer reports | 653 |
| Debt collection | 502 |
| Consumer Loan | 378 |
| Credit card | 18 |
| Credit reporting | 14 |
| Credit card or prepaid card | 13 |
| Payday loan, title loan, or personal loan | 8 |
| Checking or savings account | 7 |
| Money transfer, virtual currency, or money service | 7 |
| Bank account or service | 6 |
| Payday loan, title loan, personal loan, or advance loan | 5 |
| Mortgage | 2 |
| Debt or credit management | 1 |
Nationwide filing states for Ford Motor Credit Co.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 13.9% of this company's filings
Ford Motor Credit Co. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 386
- +2312.5% vs 2012
Top States
| State | Complaints |
|---|---|
| CA | 500 |
| FL | 420 |
| TX | 377 |
| NY | 259 |
| MI | 235 |
| GA | 174 |
| IL | 146 |
| NC | 126 |
| PA | 126 |
| NJ | 124 |
| OH | 91 |
| VA | 90 |
| AL | 64 |
| MD | 58 |
| SC | 58 |
| AZ | 57 |
| NV | 54 |
| TN | 52 |
| MO | 52 |
| LA | 42 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 932 |
| Managing the loan or lease | 466 |
| Improper use of your report | 409 |
| Problems at the end of the loan or lease | 208 |
| Problem with a credit reporting company's investigation into an existing problem | 187 |
| Problem with a company's investigation into an existing problem | 183 |
| Getting a loan or lease | 162 |
| Struggling to pay your loan | 143 |
| Attempts to collect debt not owed | 141 |
| Took or threatened to take negative or legal action | 138 |
| Repossession | 102 |
| Problems when you are unable to pay | 82 |
| Taking out the loan or lease | 64 |
| Written notification about debt | 62 |
| False statements or representation | 58 |
| Shopping for a loan or lease | 41 |
| Communication tactics | 32 |
| Credit monitoring or identity theft protection services | 22 |
| Taking/threatening an illegal action | 20 |
| Cont'd attempts collect debt not owed | 20 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 16 | 100% |
| 2013 | 67 | 100% |
| 2014 | 99 | 100% |
| 2015 | 120 | 100% |
| 2016 | 131 | 100% |
| 2017 | 161 | 100% |
| 2018 | 201 | 100% |
| 2019 | 161 | 100% |
| 2020 | 237 | 100% |
| 2021 | 302 | 100% |
| 2022 | 273 | 100% |
| 2023 | 336 | 100% |
| 2024 | 438 | 100% |
| 2025 | 662 | 100% |
| 2026 | 386 | 100% |
Source: CFPB Consumer Complaint Database
Ford Motor Credit Co. in the faster-timely third
Ford Motor Credit Co.'s 3,590 logged complaints reach a nationwide footprint - 54 states have at least one filing. 41.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-25. Timely response 100% sits in the upper third of the corpus.
Ford Motor Credit Co. answers 100% of complaints inside the CFPB's tracked window (timely band: fast) and closes 14.4% with relief; 84.3% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Vehicle loan or lease" · top issue "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Ford Motor Credit Co..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Ford Motor Credit Co.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 3.6K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Ford Motor Credit Co. (#149 of 342; 100% timely; 14.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Faster timely-response band