Consumer complaint received 2023-05-10
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is my Third and Final Complaint being submitted prior to seeking legal action against Ford Motor Credit and all parties working under their direction. ( see complaint XXXX XXXX & XXXX attached ). Complainant is familiar with acceptable debt collection practices and personal property notifications having been a supervising paralegal in the foreclosure law industry since 2017. 
Ford Motor Credit 's repeated perjury to the Consumer Financial Protection Bureau is reprehensible and unacceptable by all ethical and legal standards. If i acted in such a matter in my business dealings my client 's would be liable for significant damages. 
Over the prior 2 complaints Ford Motor Credit 's story has continued to change while complainant 's has remained the same, as the truth of a matter does not change over time. 
As such their actions are a clear indication that there is a dire need for further Federal oversight and a thorough investigation into their business practices as if they lie so boldly, and so often in this matter, I am truly horrified to wonder how many other borrowers that are less versed in methods of recourse are being taken advantage of at this time. 
As for this specific instance, my vehicle was repossessed, their right to do so is not contested ; proper notice was not issued by XXXX XXXX a vendor utilized by Ford Motor Credit ( Ford has made assertions that certified mailings can be provided reflecting Notice was served, this is false as per a discussion with XXXX XXXX who advised notices are not sent via certified mail despite that being the accepted method of service ), there was significant delay in completing the reinstatement process due to disorganization within Ford Motor Credit with significant financial burden having been suffered by complainant as a result. 
When Complainant was finally able to complete the reinstatement, a call was immediately placed to XXXX XXXX ( who's connection to this matter had only just been learned ) requesting that I be allowed access to my personal belongings and my plates be returned so I may pick up my vehicle. This request was ignored. Instead of allowing access to my property their office illegally disposed of priceless, irreplaceable, mementos of significant personal importance. 
See Compliant XXXX for a full synopsis of events that transpired prior to obtaining possession of the vehicle. 
on XX/XX/XXXX, possession of the vehicle was finally obtained. Due to Ford Motor Credit 's delay significant damage had accrued on the vehicle 's batter as it had sat idle for many months. Further, miscellaneous items, that were part of the vehicle when purchased such as the patch kit/pump and bottom of the cup holders had been stolen by Fords vendors. Additionally after my second complaint damage was discovered to the vehicles center console and door due to carelessness of Fords vendors. Lastly Complainants keys have been discovered to be deactivated and no longer work with the vehicle. As such Complainants vehicle has not been returned in an acceptable condition. 
Additional information regarding these issues In complaint XXXX. 
This complaint is respectfully submitted to address further falsities asserted by Ford Motor Credit. Ford asserts their prior discussion with XXXX to search their records for a call with complainant that the search was completed via phone number, this is irrelevant. XXXX XXXX and Ford had already been provided with evidence of the calls prior to their response where Ford alleges no contact was made regarding gaining access to my personal property. Further their response in which they finally admit to a call being placed on the date Complainant has asserted they conveniently leave out the fact a message with all of my contact information was left for the agent who was not in the office was left and that she knowingly and purposefully did not respond to the same. 
Ford additionally does not acknowledge or provide any insight into their prior assertion that complainant requested payment in the amount of {$130.00}, when this was an offer communicated by one of their agents. It is not a gesture of good will to advise this entity of demands that were not made by complainant. 
Ford Motor Credits offer of {$390.00}, is unconscionable, as settlement does not even begin to address the damages suffered at the hands of Ford Motor Credit and its agents while also requiring complainant to expend additional time in attempting to locate items that were stolen and go about fixing damages with only the hope that Ford, who has thus far shown themselves to be unreliable, and untrue to their word, will have to wait and hope to be reimbursed. 
to assert Ford 's prior offer is acceptable or made in good faith would not be consistent with fact given the history of these proceedings.

Company response to consumer: Closed with explanation