Consumer complaint received 2020-07-14
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My experience with XXXX XXXX is disappointing and reprehensible. I have purchased 2 cars from XXXX and also I purchased 2 extended warranties {$1500.00} for each car a total of {$3000.00} charges added to my financing for my both cars. My XXXX XXXX  XXXX  i financed by XXXX credit and the interest rate is very high 11.99 %. For company offers false advertising with 0 % APR or 2 % APR interest. XXXX Credit discriminated me and took advantage that my national origins by giving me the high interest for car purchase. With Ford Company ; I have experienced inconsistent and misinformation from their past employees when it comes to my car 's financing interest and warranty. When I went in to get my rear differential and transmission fixed under warranty the treatment I received was unprofessional and unhelpful. I never got the right copy of the documentation with the information. I paid for warranties that I never used it in the dealership. How can I get my money back for those charges for those warranties. I ended expending repairs in other car shop places regarding to my car issues over the years. The dealership never assist me with my extended warranties. I have been charge with 11.99 % very high interest in my car in the dealership. 

First, the one associate XXXX XXXX ( Business Manager ) just assumed I could not speak XXXX  and had someone come over and speak in me in XXXX  as he flopped warranty folder on the desk and walked away. XXXX XXXX XXXX XXXX XXXX ) spoke to me when we were BUYING two cars, but did not speak to my mom or me when we had problems with the cars about my car financing high interest or my car extended warranty. XXXX XXXX just delegated us to someone else who spoke to us in XXXX. Me and my mother are Americans and we both speak English. Ford Credit disrespect and abuse with high interest towards minorities. I felt very disrespected. I was misinformed in the finance department and also in the service department by previous employees that my car was covered under mileage, not years, a misinformation from their high employees turnover in this dealership ( Employee turnover refers to the number or percentage of workers who leave an organization and are replaced by new employees ). I wonder how XXXX hired unprofessional employees who provided wrong information to customers? I was given no help, no assistance, no customer appreciation, no customer retention, just a lot of excuses and insincere " sorry '' from XXXX XXXX ( Sales Manager ) as I was dismissed. After I spent {$45000.00} dollars and after paying a very high interest in my car financing in this dealership. I got no customer attention, no alternative solutions about refinancing with a better interest rate, no customer appreciation and any customer retention. After this situation. How can I repeat business in Ford Company? It is my absolute, unequivocal belief that after this bad experience and bad energy that this Ford Company is a big waste of money and time.

Company response to consumer: Closed with explanation