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Data / Consumer complaints / Ford Motor Credit Co.

Ford Motor Credit Co.: 1,737 CFPB consumer complaints in the last 3 years

Ford Motor Credit Co. drew 1,737 consumer complaints in the CFPB database in the three years to November 6, 2026, and 3,799 since 2012. The largest group, 886, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 545. The company responded on time to 100.0% of the complaints, and 8.1% closed with monetary or other relief. The CFPB records the company as FORD MOTOR CREDIT CO..

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Florida
  • 1,737Complaints, last 3 years
  • 3,799Complaints, all years
  • 100.0%Responded on time
  • 8.1%Closed with relief
  • 10Products
  • Oct 30, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6595
2025662
2024438
2023336
2022273
2021302
2020237
2019161
2018201
2017161
2016131
2015120
201499
201367
201216

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit reporting or other personal consumer reports88651%
Vehicle loan or lease55532%
Debt collection26115%
Credit card181%
Checking or savings account50.3%
Payday loan, title loan, personal loan, or advance loan50.3%
Debt or credit management30.2%
Money transfer, virtual currency, or money service20.1%
Mortgage10.1%
Prepaid card10.1%

Issues

IssueComplaintsShare
Incorrect information on your report54531.4%
Improper use of your report26315.1%
Problem with a company's investigation into an existing problem17610.1%
Managing the loan or lease1377.9%
Repossession1136.5%
Took or threatened to take negative or legal action1046%
Problems at the end of the loan or lease844.8%
Getting a loan or lease834.8%
Attempts to collect debt not owed794.5%
False statements or representation402.3%
Written notification about debt321.8%
Struggling to pay your loan291.7%
Credit monitoring or identity theft protection services140.8%
Problem when making payments60.3%
Threatened to contact someone or share information improperly40.2%
Problem with a company's investigation into an existing issue30.2%
Problem with a lender or other company charging your account30.2%
Communication tactics20.1%
Getting a credit card20.1%
Managing an account20.1%
Problem with a purchase shown on your statement20.1%
Unable to get your credit report or credit score20.1%
Advertising and marketing, including promotional offers10.1%
Confusing or missing disclosures10.1%
Didn't provide services promised10.1%

How the company responded

Company responseComplaintsShare
Closed with explanation1,56490%
Closed with non-monetary relief915.2%
Closed with monetary relief502.9%
In progress321.8%

States

StateComplaintsShare
Florida25714.8%
California21512.4%
Texas19811.4%
Michigan1468.4%
New York1005.8%
Georgia925.3%
Illinois834.8%
Pennsylvania683.9%
North Carolina492.8%
Alabama412.4%
Ohio392.2%
New Jersey382.2%
Nevada301.7%
Virginia301.7%
Arizona271.6%
South Carolina241.4%
Missouri231.3%
Louisiana211.2%
Tennessee201.2%
Colorado181%
Maryland181%
Mississippi171%
Minnesota140.8%
Washington140.8%
Oklahoma130.7%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 30, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 29, 2026Vehicle loan or leaseGetting a loan or leaseIn progressconsumerfinance.gov
October 29, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 29, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 27, 2026Vehicle loan or leaseProblems at the end of the loan or leaseIn progressconsumerfinance.gov
October 27, 2026Vehicle loan or leaseProblems at the end of the loan or leaseIn progressconsumerfinance.gov
October 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 25, 2026Vehicle loan or leaseStruggling to pay your loanIn progressconsumerfinance.gov
October 25, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 24, 2026Vehicle loan or leaseIncorrect information on your reportIn progressconsumerfinance.gov
October 24, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
October 23, 2026Vehicle loan or leaseGetting a loan or leaseIn progressconsumerfinance.gov
October 23, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 21, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 20, 2026Vehicle loan or leaseProblems at the end of the loan or leaseIn progressconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 19, 2026Vehicle loan or leaseGetting a loan or leaseIn progressconsumerfinance.gov
October 19, 2026Vehicle loan or leaseIncorrect information on your reportIn progressconsumerfinance.gov
October 19, 2026Money transfer, virtual currency, or money serviceFraud or scamIn progressconsumerfinance.gov
October 19, 2026Vehicle loan or leaseCredit monitoring or identity theft protection servicesIn progressconsumerfinance.gov
October 19, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 15, 2026Credit reporting or other personal consumer reportsImproper use of your reportIn progressconsumerfinance.gov
October 15, 2026Vehicle loan or leaseProblems at the end of the loan or leaseIn progressconsumerfinance.gov
October 14, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesIn progressconsumerfinance.gov
October 13, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 13, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 12, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 10, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
October 10, 2026Vehicle loan or leaseIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
October 9, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
October 8, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 7, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
October 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
October 5, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 3, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
October 1, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 1, 2026Vehicle loan or leaseProblems at the end of the loan or leaseClosed with monetary reliefconsumerfinance.gov
September 30, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 29, 2026Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
September 29, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.