Consumer complaint received 2020-08-21
Company: FORD MOTOR CREDIT CO.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, Im writing you to see if you can help me resolve a issue I have with the Ford Motor Credit Company they have allowed my ex-wife to refinance and sign a new contract to refinance the loan we had together without my knowledge and allowed her to forge my name on the new contract allowing it to destroy my credit Because of their neglect on having a notary not be present to verify the signature were of the correct people .It has been going on for several years and I have tried to work with them to no avail and not sure where else to turn. It all started with my divorce back in XXXX where the car we had bought jointly from ford motor credit that was a XXXX XXXX XXXX  she was suppose to hold me harmless from the car and all payments well she ended up letting the car get repossessed and filed for bankruptcy now I know there is nothing you can do about that and I did take that up with the courts in the rights of my divorce decree and I filed contempt and she is being held responsible for making payments on what is owed since XXXX of last year .The part I am writing you about is like I said we did do a joint contract on the XXXX XXXX XXXX with the ford motor credit company But after getting divorced and not speaking with my ex-wife when she let the XXXX XXXX XXXX get repossessed and filed bankruptcy The ford motor company started to come after me and reported negative charge offs on all 3 of the credit Bureau and at first I was using the courts to try and get the issue resolved through my divorce decree and I did with the contempt charges as for making her have to pay them back and she is currently paying them back as of XXXX of last year. So when the ford motor credit company started to come after me when my ex-wife filed for bankruptcy they sent me a copy of the contract to show that it was binding because my ex-wife & I signed because I had sent them info on my divorce decree showing she was suppose to hold me harmless and they sent the copy of the contract to let me know that we had signed a binding joint contract with them on the XXXX XXXX  well at first I really didnt look at the contract they had sent with a lot of other papers because I thought it was the original contract that my ex-wife & I had signed at the dealership and of course I did sign a joint contract with her at the dealership before the divorce well once I actually look at the contract I realized it was not that contract from the dealership it was a refinanced contract that had her signature and mine on it and I was XXXX founded because I had never seen this contract nor did I sign it and I could clearly see that my signature and initials were forged the first thing I did was call the police to get my ex-wife for forgery the police came made a report & did a interview with her and the officer told me she would talk to the county attorney to possibly move forward with charges because what the officer felt from what my ex-wife said to her she did forge my name well since it had been so long there was nothing I could do to her about the forgery I could only file contempt with my divorce decree well I did that and sent the police report to ford motor company and explained that my ex-wife had forged my signature and also sent them copies of my real signature and asked them to please remove me from this loan and remove the negative charge off from all 3 of the major credit bureaus because this new contract voided the original one and they have been affecting my credit badly because it was the neglect of the ford motor credit company sending a contract to her new residents at XXXX XXXX XXXX XXXX Ky XXXX to have my ex-wife sign and send back a refinance contract that they did not have her come into the office or have someone notarize the contact to verify the signature were from the correct people and Never sent anything to my address XXXX XXXX XXXX XXXX Ky XXXX to have me sign and this is the reason I am writing the Consumer Financial Protection Bureau .The ford motor company has neglected my rights as a consumer we had a binding contract that was signed jointly from my ex-wife and I from the dealership but they allowed someone in the company to be irresponsible and send a new refinance contract to my ex-wife residents and allowed her to sign her name and forge my name without my knowledge & without a notary to be there to witness the signatures there for voiding the previous contract and holding me harmless from the new contract because I never agreed to anything in this new contract or did I have a chance to I should not be held responsible for something I did not even know about it was not my signature and I sent them my correct signature so they could see that the signature was forged and to remove me from this new contract and remove the negative charge offs from all 3 of the major credit Bureau and they will not they want me to prove that its a forgery where I have sent in my signature the police report and that should be enough for them to remove me from this new contract and remove the negative marks from my credit repots. It was the ford motor credit companies neglect & irresponsibility that lead to my name being forged I should not be held responsible for their mistake of sending a new contract to the customer without making sure it was notarized by someone to verify the correct people were signing the contract they should be held responsible to have my signature analyzed to the signature on the contract and they should have to pay for that because its their neglect that led to this I should not be held responsible for the mistakes and should be removed from this contract that I did not sign and ford motor company should have to remove the negative charge offs for this account off all 3 of my credit Bureau thats been hurting my credit badly for the last few years. Consumer Financial Protection Bureau I am asking you to please help me try and get this issue resolved with the ford motor credit company XXXX XXXX  XXXX XXXX fl XXXX the account number for this new contract is XXXX please help me get this issue resolved and help me get my credit back this has hurt me financially for a few years now and it was because of the neglect of ford motor credit company. I will send copies of the original contract a copy of the new contract with the forged signature of mine along with the police report stuff I really did sign for my house so you can see the difference of the signatures and initials and have for ford motor company again and a copy of my XXXX and XXXX reports credit report to show how they are reporting and hurting my credit thanks XXXX XXXX. I truly do your able to help me with my issue .I have tried to resolve this with Ford motor credit multiple times but they refuse to help me even though it was their neglect that caused this situation I even filed contempt on my ex-wife to make sure they got their money back & thought by helping them out they would do the right thing like I did and remove the charge offs from all 3 credit Bureau but they did not I should not be held responsible for their neglect and irresponsibility of them sending a new contract to my ex-wifes new address and not requiring a notary to be present to make sure the signatures were from the right person and ford motor credit company should have to pay to have the signatures analyzed and once it comes back that its not my signature they should have to remove the negative remarks from the credit companies and remove me completely from the new contract because when they let here forge my name and change the term of the old contract that voided my obligation again I please ask Consumer Financial Protection Bureau to help me get this issue resolved and I thank you for any help you can provide I will have attached all the documents and what they are thank you again

Company response to consumer: Closed with explanation