Credit reporting
Ford Credit: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 136
- Closed with money back
- 1%
- 2023 to 2025
- 26 to 70
Servicemembers filed 9.5% of Ford Credit's 1,436 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 26 in 2023 to 70 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 72 |
| Vehicle loan or lease | 41 |
| Debt collection | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
By issue
| Incorrect information on your report | 55 |
| Improper use of your report | 17 |
| Problem with a company's investigation into an existing problem | 14 |
| Managing the loan or lease | 10 |
| Getting a loan or lease | 9 |
| 2023: 26 | 2024: 40 | 2025: 70 |
Which accounts, specifically
| Credit reporting | 80 |
| Loan | 46 |
| Auto debt | 14 |
| Lease | 12 |
| I do not know | 1 |
What went wrong, specifically
| Account information incorrect | 21 |
| Information belongs to someone else | 14 |
| Account status incorrect | 11 |
| Their investigation did not fix an error on your report | 10 |
| Credit inquiries on your report that you don't recognize | 9 |
Busiest month: March 2025, with 12 servicemember complaints. Most were submitted by web.
Most complaints came from TX (20), NC (16), GA (13) , then CA, FL, MI.
How Ford Credit answered
| Closed with explanation | 123 | 90% |
| Closed with non-monetary relief | 11 | 8% |
| Closed with monetary relief | 2 | 1% |
Ford Credit responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Credit monitoring or identity theft protection services. IN, 2024-08-20. Outcome: Closed with explanation. Complaint 9865352
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Debt collection; Took or threatened to take negative or legal action. CA, 2024-08-09. Outcome: Closed with explanation. Complaint 9800519
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Credit reporting or other personal consumer reports; Incorrect information on your report. GA, 2024-07-15. Outcome: Closed with explanation. Complaint 9513306
If this is your problem at Ford Credit
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Ford Credit SCRA Benefits: 6% Cap, Orders by Upload, Fax or Mail.
Compare with credit reporting peers
- World Acceptance 138 servicemember complaints; 0% with money back
- Mariner Finance 139 servicemember complaints; 0% with money back
- Consumer Portfolio Services 146 servicemember complaints; 0% with money back
- CashRepublic 149 servicemember complaints; 1% with money back
- Opportunity Financial 124 servicemember complaints; 0% with money back
Next in the directory by volume: Sequium Asset Solutions, Cavalry Investments, CrossCountry Mortgage.
Frequently asked questions
How many complaints did servicemembers file against Ford Credit?
136 complaints tagged servicemember were received by the CFPB about FORD MOTOR CREDIT CO. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 26 in 2023 to 70 in 2025.
What do servicemembers complain about most at Ford Credit?
Credit reporting or other personal consumer reports accounts for 72 of the 136 complaints, and the most common issue is "Incorrect information on your report" (55). Next: "Improper use of your report" (17).
Does Ford Credit give money back when a servicemember complains?
1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 11 closed with non-monetary relief and 123 closed with an explanation only. Ford Credit answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.