Consumer complaint received 2016-05-27
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX Mustang Black Convertible from XXXX XXXX XXXX in XXXX California on XXXX XXXX, XXXX. The window price of this vehicle was marked at {$21000.00} at {$290.00} payment each month. I was told that this {$300.00} would be my payment as well. This car was a " leased-out '' by other individuals which already had at least XXXX miles on the car before driving off the lot. The dealership increased my payment to {$580.00} monthly with an XXXX percentage without my knowledge. The total sale price with the percentage bring the car to {$45000.00} for the car which was not agreed upon. Then forced me to sign the contract agreement without reading it because of a prior incident the day before my right hand risk was broken in extremely severe pain. The manager was turning the agreement over so quickly for my signature page after pages which took only two minutes to sign the contract. She told me and my witnesses not to allow me to read the contract agreement for several days until my hands got better from the severe pain. I told the manager and the salesman that I rather read the contract before I sign it. The witnesses wanted to know why I could not read the contract before signing it. She continuing forcing me to sign the rest of the pages because of the pain she said that showed on my face. She then folded up the contract and put it in an envelope with tape on the outside of it in front of the witnesses, salesman and myself. The manager placed her hand over the contract as I was signing it so that I could not read it at all. She stated that it was for my benefit and the severe pain in my hand ... The manager said because of my severe pain and she need to lead because it is now XXXX. I also trade in a PT Cruiser which was in excellent condition with nothing wrong with it and promise to give me {$4000.00} and pay off the remaining balance of what they believe were {$3000.00} but it was only {$2400.00} when the credit union emailed the fax to XXXX before any payment was accepted within three weeks of the sale. This car was purchased at night between XXXX and XXXX. On Sunday morning we got up early to look over the car to see if there was any issues as to the paint, interior and convertible top. First thing I saw was XXXX " white '' discoloring large holes on top outside of the convertible top on the driver side. I became so anger because the hood of the car had XXXX large x marks and small scratches in the paint, at the side of the car on the driver side also had long scrapes, at the rear on the trunk of the car had small scratches all-round the trunk area where you lift up and open the trunk. Inside of the car the convertible open lifter to allow the convertible top to open was broken and XXXX of the level attached to the convertible top. I then had to pay for the registration out of my budget in XXXX XXXX when I had just purchased the car in XXXX XXXX, XXXX. I was told by the manager and salesman the dealership will pay for registration. 
Also the seat had and still have the same cuts on the passage seat, rear seats, glove compartment have marks, and the blind had holes in them. Front bumper lots of small marks, I was so anger because believe this is the reason why Ford dealership sole car ripping me off. Anyway, on Sunday morning I read the contract and also passed out because of the extremely interest rate, monthly payment and the total amount for the car which was {$45000.00} for a used leaser mustang with service contract of {$3.00}, XXXX. I drive the car back to the dealership and asked that My PT Cruiser be returned back to me because you have " scammed and Fraud '' me out of money I do not have. Ford told us that the PT Cruiser was sent to another lot which was NOT the true. It was in the rear of the lot when we walked to rear. Please see the remaining paragraphs of information on Resolution page

Company response to consumer: Closed with explanation