What is the most common complaint against Ford Motor Credit Co.?

The most common issue consumers report about Ford Motor Credit Co. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 504 complaints filed with the CFPB.

Are complaints against Ford Motor Credit Co. increasing or decreasing?

Complaints against Ford Motor Credit Co. have been stable. The company received 124 complaints in the last 12 months.

What is Ford Motor Credit Co.'s reputation grade?

Ford Motor Credit Co. has a reputation grade of D (score: 51.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Ford Motor Credit Co. respond to consumer complaints?

Ford Motor Credit Co. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 29% of cases.

In how many states does Ford Motor Credit Co. operate?

Ford Motor Credit Co. has received CFPB complaints from consumers in 43 states, with the most complaints from California (77 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Ford Motor Credit Co. - Debt Collector Complaint Profile

CFPB complaint profile across 43 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

141
Took or threatened to take negative or legal action

140
Written notification about debt

62
False statements or representation

58
Communication tactics

32
Cont'd attempts collect debt not owed

20

Data updated September 2026

CFPB complaint disposition

CCDB record ford-motor-credit-co Ford Motor Credit Co.

Grade D · 504 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #271 · compose #3897

VOL 504
GRADE D
12MO 124
STATES 43
TIMELY 100%
DISPUTE 29%
ISSUE Attempts to collect debt n…
RANK #271
COMPOSE #3,897

Volume peers

Nearest volume peer: Jim Bottin Enterprises, Inc (505 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Ford Motor Credit Co.'s 504 CFPB complaints sit next to Jim Bottin Enterprises, Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Spiky monthly series

California is the plurality state for Ford Motor Credit Co. (15.3%)

The 2015-11 spike coincides with a 3,626-place gap between volume rank #271 and composite #3,897. Corpus placement method.

Plurality state: California 15.3%; Mid-band (15–30%) · 43 states with ≥1 filing
Spike month: 2015-11 22.1%; 27 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #271 volume; #3,897 composite; Cleanest-composite ladder is 3,626 places worse than volume

How does Ford Motor Credit Co. compare to its peers?

How does FORD MOTOR CREDIT CO. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

FORD MOTOR CREDIT CO. National average

Complaints (last 12 mo)lower is better

124

105

268

Timely-response ratehigher is better

100%

95%

91%

Consumer-dispute ratelower is better

29%

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-07 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	141
Took or threatened to take negative or legal action	140
Written notification about debt	62
False statements or representation	58
Communication tactics	32
Cont'd attempts collect debt not owed	20
Taking/threatening an illegal action	20
Disclosure verification of debt	13
Threatened to contact someone or share information improperly	11
Improper contact or sharing of info	7

Where do complaints against Ford Motor Credit Co. come from?

Ford Motor Credit Co.'s own per-state count, not a national baseline.

California

77
Texas

51
Florida

40
Georgia

38
Michigan

38
New York

37
North Carolina

24
Illinois

20

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Ford Motor Credit Co.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 504.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Ford Motor Credit Co.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.