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Data / Consumer complaints / Ford Motor Credit Co. / Debt collection

Ford Motor Credit Co.: 261 CFPB complaints about debt collection, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Ford Motor Credit Co. drew 261 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 15.0% of its 1,737 complaints in that time. The most common issue was “Took or threatened to take negative or legal action”. The company responded on time to 100.0% of them, and 5.0% closed with monetary or other relief.

The request: Watch Ford Motor Credit Co.: each new CFPB complaint about debt collection by issue, with the date and the company response. $10 of work on sign-up, no card.

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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.

  • 261Complaints, last 3 years
  • 15.0%Share of the company's complaints
  • 100.0%Responded on time
  • 5.0%Closed with relief
  • Oct 29, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202612949.4%
12 months to Nov 6, 20258030.7%
12 months to Nov 6, 20245219.9%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action10439.8%
Attempts to collect debt not owed7930.3%
False statements or representation4015.3%
Written notification about debt3212.3%
Threatened to contact someone or share information improperly41.5%
Communication tactics20.8%

How the company responded

Company responseComplaintsShare
Closed with explanation24593.9%
Closed with monetary relief103.8%
Closed with non-monetary relief31.1%
In progress31.1%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Texas3513.4%
California3413%
Florida2710.3%
Michigan2610%
New York218%
Georgia155.7%
Arizona124.6%
Illinois124.6%
North Carolina93.4%
Louisiana72.7%
South Carolina72.7%
Alabama62.3%
Missouri62.3%
New Jersey51.9%
Virginia51.9%
Maine41.5%
Mississippi41.5%
Nevada41.5%
Ohio41.5%
Delaware31.1%
Maryland31.1%
Tennessee20.8%
Washington20.8%
Iowa10.4%
Minnesota10.4%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 29, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 25, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 19, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 12, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 9, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 13, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 6, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov

Also on SpecStream

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.