Consumer complaint received 2018-01-15
Company: FORD MOTOR CREDIT CO.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ford Motor Credit called my Aunt, my mother and my friends saying that they were going to have me  arrested because of a debt that I owed. I also made multiple payments, paid {$10000.00} cash for the vehicle and did not owe the amount that the company claimed. Even after making the payment, FORD motor credit sent a tow truck to my residence. When I called, XXXX ( name started with a XXXX ) laughed and told me that FORD wanted me to know that they were not playing with me. I have witnesses to that. 

Not only that but I filed multiple complaints to the Federal Government, Federal Trade Commission and got an attorney. The attorney talked to Ford Motor Company and they agreed to leave me alone in exchange for me not suing them for substantial abusive communication tactics in violation of my consumer rights. This contract was for a vehicle purchase. The Retail Installment Sales Contract was signed XX/XX/XXXX. Several years later, as a result of the natural disaster Hurricane Katrina in XX/XX/XXXX, my vehicle was flooded and totaled. XXXX, instead of paying me for the vehicle, paid Ford Motor Credit Company after Ford misrepresented themselves. Further, FORD Motor Credit stated to XXXX that they would account to the insured for any excess of any payment not owed to FORD. No such payment has been made, XXXX paid them {$13000.00} on XX/XX/XXXX. FORD had no right to the money they finessed out of my insurance company and they continue to harass me and my family. 

FORD has made my life very difficult, even resorting to harassing my mother, who had XXXX XXXX XXXX and even appeared at her home to threaten her and me about jail time for a vehicle, for goodness sake! 

I have not received any written communications about any debt and refused to do business with FORD as a result of their bullying and unscrupulous tactics. 

Now, I find out out that FORD has taken it further and 18 years later, they have brought a lawsuit for a XX/XX/XXXX contract. I have had it with Ford Motor Credit Company. I do not owe them and I want the money back that they were paid for the vehicle which did not belong to them. I want money for pain, suffering and harassment. I had agreed not to sue them for violation of my rights and for threatening my family but to this date, the harassment continues! I have been humiliated time and time again and I am tired of trying to defend myself. FORD is unscrupulously wrong! 

They have impersonated attorneys and pretended that I would have problems with the government and would never be able to work again because they would take every dime I had. They had agreed to leave me alone and reneged. How can this be? 

Why are they still harassing me almost two centuries later? This is NOT RIGHT! 

I do not have the Contract from XX/XX/XXXX but I want a copy of it. I also want a copy of all documents in the possession of FORD MOTOR CREDIT relating to this. They do not have a lien on the vehicle and signed a lien release many years ago. Whatever collection agency they turned this in to, I want a copy of every document dating back to XX/XX/XXXX.

Company response to consumer: Closed with monetary relief