Consumer complaint received 2021-03-03
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Afternoon, This complaint is in response pursuant to a previously closed CFPB consumer complaint, reference number : XXXX. 

As advised by the company 's response regarding the aforementioned closed CFPB consumer complaint, the Company responded to myself on XX/XX/2021 with the following explanation ; " XXXX XXXX has offered to pay {$1300.00} and no interest, under a reasonable payment plan. This arrangement is acceptable to Ford Credit. We are advising the Firm that we approve a settlement of {$200.00} per month on the XXXX day of the month starting in XX/XX/2021, with the last payment consisting of any amounts still remaining owed ( this payment will be under {$200.00} if Mr. XXXX pays the amounts as scheduled ). If the payments are not made according to this settlement, Ford Credit may pursue the full balance owed. In addition, Mr. XXXX must provide or confirm his current address. We ask Mr. XXXX to please contact the Firm at ( XXXX ) XXXX no later than Friday, XX/XX/2021, to accept this settlement arrangement. If the settlement is not accepted by that date, Ford Credit will proceed with collecting the full amount owed. '' Per the Company 's response pursuant to CFPB consumer complaint XXXX, On XX/XX/2021 at XXXX XXXX, I contacted XXXX XXXX XXXX, XXXX ( the Firm ) at ( XXXX ) XXXX in order to resolve this dispute. 

I spoke with multiple customer representatives, with one specifically who advised me that the Firm would be sending me, via mail, a verification letter prior to being able to make any payments regarding the alleged debt. 

I provided the Firm, in good faith and openness, with my address as follows : XXXX XXXX XXXX, XXXX XXXX, California XXXX. 

As of XX/XX/2021 I have not received any mail from the Firm, the Company, or any other party related to this alleged debt.

The Company has advised in their explanation in the previously closed CFPB response that I must pay this alleged debt in agreeance with the settlement agreement with the first payment being made on XX/XX/2021, and if not, the Company may pursue the full balance of the alleged debt. 

I have been both willfully active and acting in complete good faith to pay off this alleged debt. I reached out as soon as I could to the Firm to resolve this dispute and settle this debt. 

On top of that, I am now sustaining real and actual damages in relation to this debt. My credit score has been marked with a derogatory indicator which is disallowing me to obtain credit or approval from property management companies regarding renting an apartment. The Company has been continually reporting negative and derogatory indicators on my credit report even during the time of already contacting the Firm to have this dispute resolved. How disgusting is that? 

I have been constantly trying to pay off this debt to increase my credit score, and now I find all of my options exhausted. I've been given the run around with the Company and the Firm.

I've acted openly with the Company, and every single one of these calls have been recorded to support every piece of information I've provided to the Company and the CFPB.

I now wish for the CFPB to become involved in this as both the Company and the Firm have been willfully negligent and malicious in the handling of my case. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief