Consumer complaint received 2023-09-19
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I under the penalty of perjury, The Executor of the Office of XXXX XXXX XXXX, ESTATE. On XX/XX/2022 I made a call to XXXX XXXX XXXX location XXXX , California . With good intentions of speaking directly to the Finance Department. I spoke with XXXX in the Finance Department. I conveyed to XXXX that I wanted to extend my " Consumer Credit '' for me to make a purchase with my credit. I was originally looking for a XXXX, XXXX said they did not have any in stock. XXXX did say that they had two XXXX XXXX 's in stock. I let XXXX know about my situation of how not being in possession of reliable transportation is a heavy burden for me and my family. I told XXXX that I would be in to see him XX/XX/2022. I walked to the dealership around XXXX, mind you I do have issues with my spine that are well documented. I also let XXXX know that the situation was not a want, but it is a need. An individual decided to place their vehicle in my garage while it was closed wrecking both of my vehicles in the process. 

I sat down with XXXX after he tried to forcefully get me to a Sales Representative. I conveyed to XXXX again I only wanted to make a consumer credit transaction. I filled out the paperwork with XXXX, as well as I placed 15 U.S. Code section 1605 on the document & 15 U.S. subsection code 1681 & UCC 1-308 " without prejudice '' & my autograph. I was calm and patient with XXXX as I could see he seemed to be confused, " Ignorance of the law excuses not ''. XXXX then proceeds to inform me that I had to give him {$5000.00} down for me to make a purchase. I informed him that this is not a deciding factor. I informed XXXX that I am not going to put anything down due to that being fraudulent. 15 U.S. Code 1605 - Determination of finance charge. I even brought documentation with me to show him that this is public information. XXXX told me that he could not help me then XXXX shook my hand and walked away. This is after the fact XXXX ran my credit that I told him to run only once. XXXX did not listen to a word I was saying, it was if I were air. 

I stayed seated " Be joyful in hope, patient in affliction, faithful in prayer ''. Romans 12:12 shows us how we are to respond in various situations we face in life. Our hearts should be full of joy because we have hope in Christ. When facing troubles, patience will prevent us from giving up before seeing our victory. XXXX never came back to me, I looked around for him I could not find him. I looked over and there were a few salesmen and saleswoman on the floor. I asked if they were familiar with ( TILA ) Truth in Lending Act, I received a blank stare from the whole team. 

I go to the managers office to speak with the manager. Who do I see hiding behind the pillar in the office? It was XXXX, I can understand a person being uncomfortable with a new or different situation. But this is your job, and I am the consumer. XXXX really missed a good learning opportunity ; he was only thinking about the down payment. Imagine someone treating you as if you are the trustee, when indeed you are the beneficiary. The Manager was sitting in the first chair in the office. To the left-handed side when walking into the office. He is fumbling around with his phone. He never looked me in the eye, he treated me as if I were not even speaking to him, He was ridiculously rude to be a manager. I said, " I need to speak with you if I may? '' He told me he was on the phone, mind you he never held the receiver to hid head. I said to him that I am the consumer and that my credit was being taken advantage of without my consent furthermore, I told him that this is a fraudulent situation. He told me that he would come out and have a talk with me. As if he were excusing me out of the office, I told him that I could stand there and wait. I asked, " are you really discriminating against me? He said, " I don't know you. '' My reply was, " I know you don't that would be illegal for you to say yo do. '' I never received his name. 

I stepped out and sat down with one of the gentlemen from the sales department. I tried to explain to him what 15 U.S. Code section 1605 - Determination of finance charge was about. He did not take the situation serious at all, his reply was, " If you don't have a down payment, I can't help you. '' I told him as well that is not a determining factor. He told me he understands but did not understand how to apply it. He walked me outside we talked for awhile, I was trying to give the manager a chance to talk with me. 

I saw a customer that was in the store with me, and we began to talk outside. He was telling me he has issues with the dealership himself. I look up and I see a swat car pull up, the manager comes outside goes to the swat car on his golf cart. ( Allegedly he called them to give information about a person that he does not know. ) Then he proceeds to try to intimidate me by driving around me in a circle. Not stopping to say anything to me, he goes back to the swat car. Then the police came over to me, I let them know, " I don't think I have ever been so happy to see you. " Due to the fraudulent acts that were taking place. I filed a report with him ( # XXXX ). I appreciate whom this may concern, as well as I thank you for your time and understanding.

Company response to consumer: Closed with explanation