Ford Motor Credit Co.
3.6K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Ford Motor Credit Co.'s 3.6K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Ford Motor Credit Co.
Ford Motor Credit Co.'s 3,590 logged complaints reach a nationwide footprint - 54 states have at least one filing on record. 41.8% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2012 through 2026-06-25.
Ford Motor Credit Co. answers 100% of complaints inside the CFPB's tracked window and closes 84.3% with a written explanation. 14.4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "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..
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.
Frequently Asked Questions
How many CFPB complaints does Ford Motor Credit Co. have?
3,590, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Ford Motor Credit Co. respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Ford Motor Credit Co.?
"Incorrect information on your report", filed under the "Vehicle loan or lease" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.