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

CFPB complaint data Grade D 504 complaints

Ford Motor Credit Co. - Debt Collector Complaint Profile

CFPB complaint profile across 43 states, reputation grade D.

Complaints by issue type

What consumers report about Ford Motor Credit Co.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #334

  • VOL 504
  • GRADE D
  • 12MO 124
  • STATES 43
  • TIMELY 100%
  • DISPUTE 29%
  • ISSUE Attempts to collect debt n…
  • RANK #271
  • COMPOSE #334

Volume peers

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

First Data CorporationFirst Data Corporation502Prince Parker & AssociatesPrince Parker & Associates502Ford Motor Credit Co. (this)Ford Motor Credit Co. (this)504Jim Bottin Enterprises, IncJim Bottin Enterprises, Inc505FC HoldCo LLCFC HoldCo LLC506
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 →

How the 504 complaints break down

Every complaint issue type on record for Ford Motor Credit Co., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.8/100
Ford Motor Credit Co.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
504
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
29%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

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

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. 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)
Corpus ranks
#271 volume
#334 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Ford Motor Credit Co. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Ford Motor Credit Co. vs. 10 similar-volume peers, by response speed and dispute rate Ford Motor Credit Co.Jim Bottin Enterprises, IncFirst Data CorporationFC HoldCo LLCPrince Parker & AssociatesSLM CORPORATIONNationwide Recovery Systems, LtdBonneville Billing and CollectionsFocus Holding CompanyMandarich Law Group, LLPAsset Recovery Solutions, LLC
Source: CFPB Consumer Complaint Database

Ford Motor Credit Co.'s complaint volume in context

Ford Motor Credit Co. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

504 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Ford Motor Credit Co. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
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.

Top states by complaints against Ford Motor Credit Co.

Across 43 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.