Consumer complaint received 2019-06-21
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
In XX/XX/2015 I leased a XXXX XXXX, my very first car which of course I became attached to over the years & Before returning my lease i wanted to purchase it, & get my cosigner off the contract rather then trade it in, I did get my credit report from all three credit bureau 's & all had a decent but eligible score of XXXX. While at the dealership my cosigner & I were decieved,0 they told me there is no possible way I can purchase my lease unless I 1.pay the mileage & other fees on top of the remaining balance of sticker price which I did not understand, 2. then second option I was given was to just turn in lease & pay their estimated fees totaling {$10000.00} that day. ( 3 )  The third option which dealer said is his suggestion/ way of helping me out of paying $ XXXX which he claimed he will be taking a loss, by rolling the balance over to a new car loan. I agreed to third option thinking i had a good deal because he promised XXXX mile warranty, all maintance, plus parts 100 % free. He then said he required my cosigner on this new contract even when I knew I was eligible & since it was threw ford motor credit that he claimed accepts almost everyone, I did research later finding out they accept low income w/ XXXX credit score & I was slightly above 700..For the new car I was charged ( {$5000.00} ) over sticker price with a exaggerated rollover balance from lease totaling {$28000.00} even after dealer talked me into trading in a old car they valued ( {$1000.00} ) along with ( {$3000.00} ) down payment ... days later I'm told that a new contract needs to be signed due to error & that removed what was promised from beginning ( warranty,100 % free parts & maintanence etc. ) ... then in XXXX it came to a point where I respectfully confronted my employer about payroll he didnt consider it so I didnt make it into a huge deal due to fear of retaliation by employer, during that time I was Unaware of XXXX XXXX contacting employer several times & employer became frustrated & did not pay me for two weeks worth of labor or even call me for the next job location. Within this time I was in complete contact with ford credit ( XXXX XXXX ) & they had absolutely no reason to contact family or employer multiple times a day even after I spoke to them ... .I told XXXX XXXX about my employment situation, he told me " you need to iron that out '' & surrender the vehicle if you do not have payment by XXXX. During that conversation XXXX XXXX asked me to repeat my employment issue, for recording but the next day I find out he put my employer on the other line to listen .I know this because my employer ( XXXX ) finally messaged me with sarcastic message asking " How much do you think I owe you, I don't want hard filings against me '' I responded wisely hope of good response & he responded admitting XXXX XXXX 3 way called. I told employer I still needed to be paid & because of XXXX XXXX creating a terrible relationship I became unemployed & unpaid I still have not been paid & I surrenderd the car about month later since my cosigner paid while I search for new work which I did but not timely enough for next payment ... Now I am going to receive more debt even for things I've been basically robbed for, & I will probably have to file bankruptcy unless I find the legal resource for this situation against the dealership, Ford Credit & Employer

Company response to consumer: Closed with monetary relief