Consumer complaint received 2020-09-10
Company: FORD MOTOR CREDIT CO.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I cosigned with a ex- girlfriend back in 1999 for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Ala . Within 2-3 months, I had to take the car back from her and return it to dealership. I didn't hear anything about me owing anything after that, Until My Ex had passed away, Then I started to get a lot of threatening phone calls and letters, At home and work! The law firm XXXX XXXX XXXX in XXXX, fAlabama told me that because they could not collect anything from my ex-girlfriend, That I had to pay something like 10 to 12 thousand dollars, Plus around 8000 in Interest!!! So I tried to pay around 200 - 250 a month!

And I have been paying at least 100 a month since they said they were going to sue me a few years ago! I have requested numerous times for them to send me a correct balance, And a running log of what I have paid them, And what is actually owed on my account!!!! 

They have never responded to my request! 

They have filed a garnishment of my wages in the XXXX County Courts ( Mobile, Alabama XXXX I was never served court papers, And I found out only by getting a simple letter from the court in my XXXX. XXXX, After the courts had the garnishment approved. 

So, I never had a chance to to court And present my case in front of Judge or Jury! 

I believe this was simply some old debt, That they bought from another company, And threatened me to pay, Without me even speaking to the original creditors, XXXX XXXX XXXX, dba Ford Motor Credit ) I truly think this is " Unjust '', And I have asked them a number of times, Just to take me court, And let 's see what a Judge says about this old debt! That I believe was charged off by XXXX XXXX, dba Ford Motor Credit years ago!!! 

I have other means to resolve this issue, without your help!!! 

Collection Lawyer Contact : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Alabama. XXXX ( XXXX ) XXXX I'm currently not working, And homeless, I staying between the XXXX XXXX in XXXX, Alabama, And sleeping in my XXXX, And the XXXX XXXX! 

This collection lawyer, Has been threatening me about this car that I returned to the dealership over 20 years ago, For at least 18 years, And I thought by trying to pay this old debt was the right to do, This is the only reason I made any additional agreements to paying anything to them!!! I was mislead about this car loan debt, From the very beginning. 

The sticker price on this car was only 8 to 9000 dollars, Brand New car, Back in 1999! 

I have never got a statement, or running balance from XXXX XXXX XXXX, After many requests for one!!!!!

I hope you and your company can help me investigate this issue, That is definitely not fair to me, And probably many more consumers in this country!

Thank You, & God Bless!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Alabama XXXX ( This is where I receive my mail, Because of being XXXX ) Email - XXXX Phone # ( XXXX ) XXXX Thank You!

Company response to consumer: Closed with explanation