Ford Motor Credit Co. Consumer Complaints
Ford Motor Credit Co. has received 3,435 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 3,435 total complaints on file with the CFPB.
- Most complaints are about Vehicle loan or lease (1,080).
- Timely response rate: 100.0%.
- Consumer disputed rate: 23.3% of resolved complaints.
Complaints by Product
The following table shows how complaints against Ford Motor Credit Co. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Vehicle loan or lease | 1,080 | 31.4% |
| Credit reporting or other personal consumer reports | 776 | 22.6% |
| Credit reporting, credit repair services, or other personal consumer reports | 653 | 19.0% |
| Debt collection | 468 | 13.6% |
| Consumer Loan | 378 | 11.0% |
| Credit card | 18 | 0.5% |
| Credit reporting | 14 | 0.4% |
| Credit card or prepaid card | 13 | 0.4% |
| Payday loan, title loan, or personal loan | 8 | 0.2% |
| Checking or savings account | 7 | 0.2% |
| Money transfer, virtual currency, or money service | 7 | 0.2% |
| Bank account or service | 6 | 0.2% |
| Payday loan, title loan, personal loan, or advance loan | 5 | 0.1% |
| Mortgage | 2 | 0.1% |
Most Common Issues
These are the specific issues consumers most frequently report about Ford Motor Credit Co..
Company Response Breakdown
When consumers file complaints, Ford Motor Credit Co. responds in one of several ways. The breakdown below shows how Ford Motor Credit Co. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 2,870 | 83.6% |
| Closed with non-monetary relief | 323 | 9.4% |
| Closed with monetary relief | 186 | 5.4% |
| In progress | 56 | 1.6% |
Complaints by State
Top states where consumers have filed complaints against Ford Motor Credit Co..
| State | Complaints |
|---|---|
| California | 485 |
| Florida | 403 |
| Texas | 367 |
| New York | 250 |
| Michigan | 216 |
| Georgia | 168 |
| Illinois | 139 |
| Pennsylvania | 124 |
| North Carolina | 123 |
| New Jersey | 120 |
| Ohio | 89 |
| Virginia | 86 |
| Alabama | 59 |
| Maryland | 57 |
| South Carolina | 52 |
| Arizona | 51 |
| Nevada | 50 |
| Tennessee | 50 |
| Missouri | 49 |
| Louisiana | 38 |
Your Rights
What to do if you have a complaint against Ford Motor Credit Co.
- Contact Ford Motor Credit Co. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Ford Motor Credit Co. have?
Ford Motor Credit Co. has 3,435 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Ford Motor Credit Co.?
The most common issue reported is Incorrect information on your report with 883 complaints.
-
How do I file a complaint against Ford Motor Credit Co.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Ford Motor Credit Co. respond to complaints on time?
Ford Motor Credit Co. has a 100.0% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.