2004 Mercury Monterey Power Train Problems

Source: NHTSA · Updated Feb 3, 2026 · 203 complaints analyzed

Owners have filed 203 complaints with NHTSA about power train problems on the 2004 Mercury Monterey, 72% of all complaints for this model year. Half of the reports with a mileage happened before 77,450 miles. The words owners use most often: “torque converter” (37% of reports).

What owners describe

Phrases that appear unusually often in these complaints compared with complaints about other cars.

  • Torque converter: mentioned in 75 of 203 complaints (37%)
  • Transmission failed: mentioned in 15 of 203 complaints (7%)
  • Forward reverse: mentioned in 11 of 203 complaints (5%)

How much does it cost to fix?

Owners who wrote down what they paid or were quoted put the typical power train repair on the 2004 Mercury Monterey at $4,450, and half of them between $2,650 and $5,150.

Based on 33 NHTSA complaints about this problem alone that state a repair bill or quote (2008–2013), converted to 2026 dollars with the U.S. consumer price index. These are owners' own figures, not a quote: they include dealer quotes, and owners who file complaints often faced larger repairs, so they can run higher than typical shop prices. Prices vary by shop, region and warranty coverage. How we calculate this.

At what mileage do power train problems happen?

Based on 199 complaints that reported the odometer reading.

Under 10k miles1 · 1%
10k–25k miles1 · 1%
25k–50k miles24 · 12%
50k–75k miles66 · 33%
75k–100k miles57 · 29%
100k–150k miles42 · 21%
150k+ miles8 · 4%

How serious are the reports?

Of 203 complaints, 1 mention a crash, 1 a fire.

Mercury Monterey power train complaints by model year

Peak: 2004, with 203 complaints
2004: 20320042032005: 972005972006: 342006342007: 420074

n = 338 complaints · Source: NHTSA

Model yearPower Train complaintsShare of that yearMedian miles
2007 Monterey457%123,108
2006 Monterey3477%85,889
2005 Monterey9782%70,000
2004 Monterey20372%77,450

When owners reported it

Peak: 2010, with 60 complaints
2007: 1200712008: 15152009: 372009372010: 60602011: 362011362012: 22222013: 8201382014: 662015: 4201542016: 112017: 4201742018: 442019: 2201922020: 222024: 120241

n = 203 complaints · Source: NHTSA

Related recalls (1)

Power train:automatic transmission:torque converterJan 9, 2012 · NHTSA campaign 12V006000 · 206,452 vehicles

Problem: Ford is recalling certain model year 2004 and 2005 ford freestar and mercury monterey vehicles. The torque converter output shaft may fail.

Risk: This condition results in a sudden loss of motive power with no warning, increasing the risk of a crash.

Fix: Ford will notify owners, and dealers will replace the torque converter free of charge. The safety recall began on august 9, 2012. Owners may contact the ford motor company customer relationship center at 1-866-436-7332.

What owners report

Short excerpts of recent complaints, with personal details removed. Full reports are on NHTSA.gov.

The contact owns a 2004 Mercury Monterey. The contact stated that while driving through a drive thru, the vehicle independently shifted into neutral and was unable to shift into the intended gear. The automatic transmission warning light illuminated. The vehicle was towed to the residence. A dealer…

Received May 2, 2024 · NHTSA complaint 11586529

Tl* the contact owns a 2004 mercury monterey. The contact stated that while her husband was driving 45 mph, the vehicle stalled upon depressing the accelerator pedal. The check engine light was illuminated on the instrument panel prior to the failure. Due to the failure, the vehicle was initially…

Received Dec 10, 2020 · NHTSA complaint 11382869

Well i didnt know how to go about this but around august 2020 my grandson just got out of knee surgery we was driving up to limestone new york when all of a sudden my vehicle started smoking and it stopped moving so i costed off the road we was on the highway when it happened so we sat there and…

Received Nov 30, 2020 · NHTSA complaint 11377203
Mercury Monterey
At Bellagio Manakau,South Auckland.New Zealand. Representative photo; appearance varies by model year. Photo: GPS 56 from New Zealand, CC BY 2.0, via Wikimedia Commons.

Frequently asked questions

Do all 2004 Mercury Montereys have power train problems?

No. NHTSA has 203 owner complaints about power train for the 2004 Mercury Monterey (72% of the 283 complaints for this model year). Complaint data shows that the problem is reported, not how many of all cars sold are affected.

Was there a recall on the 2004 Mercury Monterey power train?

Yes: 1 safety recall list power train. Check your VIN on NHTSA.gov to see whether the fix was done on your car.

At what mileage do power train problems start?

The median reported mileage is 77,450 miles: half of the reports with a mileage came before that.

How much does it cost to fix power train problems on the 2004 Mercury Monterey?

Owners report a typical cost of $4,450 (half paid between $2,650 and $5,150), from 33 complaints that state a repair bill or quote, in 2026 dollars.

What do owners say about power train problems on the 2004 Mercury Monterey?

The most frequent phrase is “torque converter”, in 75 of 203 complaints, followed by “transmission failed” (15).

See all 2004 Mercury Monterey problems or power train problems across all Monterey years.