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

Data updated July 2026

D

Grade D · 54.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Ford Motor Credit Co. ranks ahead of 24% of the 5,283 collectors PlainCollector grades - 76% keep a cleaner CFPB record, on 504 all-time complaints and a 100% timely-response rate.

24th pct
reputation rank of 5,283 graded collectors
504
CFPB complaints, all-time
100%
answered inside the CFPB window
124
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Ford Motor Credit Co.?

Ford Motor Credit Co. has accumulated 504 total CFPB complaints across 43 states, with 124 filed in the most recent 12 months against 380 historical complaints before that window. The trailing-12-month volume represents 24.6% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 29% consumer-dispute-after-response rate.

Complaints have been recorded across 43 states, led by California with 77 and Texas with 51. Normalized against the full CFPB collector database, the reputation score of 54.7/100 places Ford Motor Credit Co. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

504

mid-volume (CCDB)

Last 12 months

124

24.6% of all-time complaints

Stable →

States active

43

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

29%

elevated (vertical avg ~19%)

Reputation grade

D

54.7/100 composite

How does Ford Motor Credit Co.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

55 Bottom 24% higher than 24% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Ford Motor Credit Co. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 29.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 76.8%

Share of US states + territories with at least one filed complaint against this collector.

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, 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 Sub-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

What to do if Ford Motor Credit Co. contacts you

A grade of D signals how Ford Motor Credit Co.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Ford Motor Credit Co. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Ford Motor Credit Co. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 54.7/100), 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).

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

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.