Consumer complaint received 2023-08-06
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am writing to express my deep concern and frustration regarding the recent communications with Lincoln Automotive Financial. Last week, I received an alert from XXXX XXXX, indicating that my cars lease account had been closed. 

In XX/XX/XXXX, I had notified Lincoln Automotive Financial, that I was having financial difficulties and could not be as diligent with payments as in the past. They allowed me to defer several monthly payments and I felt we had come to an understanding.

My last payment of {$3000.00} was made to my lease account, on Lincoln Automotive Financials website, on XX/XX/XXXX. The {$3000.00} brought my account up-to-date, with no outstanding payments or arrears.As conformation, I received an email days later confirming my payment. On XX/XX/XXXX, while attempting to make the next months payment I was surprised to find myself locked out of my account. Upon calling directly, I was shocked to find my account had been closed, that my vehicle had been charged (? ), and was in repossession since XX/XX/XXXX. 

As a single XXXX  of XXXX young girls, the thought of compromising my familys safety or stranding them, due to the constant threat of repossession, is terrifying and has caused me significant distress and XXXX. 

I have not and have never received any communications from Lincoln Automotive Financial regarding this matter. I am now in constant fear of the immediate well-being of my children and repossession of my vehicle, which could happen to me at any given moment, as stated by XXXX ( XXXX XXXX XXXX ) at Lincoln Financial Services . My understanding is that all telephone communications to Lincoln Automotive Financial are recorded. Verification should be easy to confirm. 

I would like assistance in halting any actions related to repossession as soon as possible, until this matter can be resolved. Also, a clear detailed accounting to clarify the status of my lease would be greatly appreciated. 

I also trust that you will conduct a thorough investigation to rectify any errors that might have occurred.I am now in the financial position to pay off the entire amount ( {$26000.00} ) of the vehicle, if necessary, but am reluctant to take any action, while the threat of imminent repossession still looms. I value my long running relationship with this company and hope this matter can be resolved amicably. 

I am anxious and open to discussing these issues to reach a resolution promptly. Most importantly, I request a record of past communications, to ensure a clear and documented record of our exchanges. Lincoln Automotive Financial has claimed that they had reached out to me via mail, email, and phone, but Lincoln Automotive Financial but could not substantiate these communications. 

Because of the danger implied and the threat to the health and well being of my family I would very much appreciate your attention to this matter. 

I look forward to a response.

Company response to consumer: Closed with non-monetary relief