Product: Consumer Loan

To Whom it may Concern On XXXX XXXX XXXX XXXX Ford sold Me a XXXX Ford Fusion it was Financed by Ford Motor Credit. The Payments were {$480.00} Per Month for a total of 73 months. I was late for 60 days XX/XX/XXXX and did not bring the account Current. Till XX/XX/XXXX now no repo company came or anything and on XX/XX/XXXX for 30 days but did bring the account current XX/XX/XXXX now the vehicle was fine and everything up until XX/XX/XXXX. The car just started to have all this different issues with the transmission the Ford XXXX Dealership replace the transmission under warranty because it was just reving itself and just not shifting the way it was suppose to along with other issues but they put a new transmission but it was still doing the same thing not shifting correctly so we took it back. We drop off the vehicle in around XX/XX/XXXX the service advisor called saying it have nothing to do with the new transmission that this time it was actually the head and it needed to be replaced so they did. I picked up the vehicle and its was no change to the vehicle still doing the same things and now this time it 's was actually making a poping noise when I would get on the freeway. I took it back on XX/XX/XXXX and this time around the service advisor told me that it was the engine block so they swap that out so now I have a car that was brand new at the time and had the transmission and Motor Change for a new ones so I thought no more problems right. A couple days later the car started to do the same exact problems as the vehicle was basically out for about 3 months was going to the 4th I was paying the vehicle there was no late payment what so ever. This time around the XXXX Ford dealership told Me that the technician could not find out what was wrong with the vehicle I got frustrated why because I had videos of the vehicle acting up and so I picked up the car and advise them that I was going to put a lawsuit to the manufacture. What comes next just goes downhill the vehicle was at the home address and on XX/XX/XXXX a repo company was picking up the vehicle reason was that Ford Credit had not received a payment since XX/XX/XXXX they picked up the vehicle now XXXX XXXX was asking me to pay 3 months and repo fees aswell I could not believe this. I called my bank and asked them to send me proof of payments and they did XXXX was the bank I was banking with at the time now the in the bank statements there was a payment of ( {$500.00} ) paid to ford credit XXXX and there was also another payment. On XX/XX/XXXX a payment of ( {$1200.00} ) were also paid to Ford Credit. And on XX/XX/XXXX there was another payment ( {$1500.00} ) to my records and the bank as well and also send that information to Ford Credit they never got back to me and a couple months down the road I started to get calls from a debt collector name given was XXXX XXXX XXXX and at that point and time I also disputed this information with them and also send them bank statements and they advise me that they were going to review the information with ford credit and get back to me to my surprise they did not and as the months got by I was making phone calls leaving messages asking them what was decided. I did not hear back from XXXX XXXX till I get a judgement approved by a judge against me not only was this so wrongly handle by ford credit and its collector to what I understand the is numerous of violations committed and I am willing to pursue till the end. And at this point in time I am paying for a judgment of {$220.00} A month that was filed on me and I could 've fought this judgment in court but I did not go to court because Collecter told me that it was going to get back to me and you never did.