Consumer complaint received 2017-09-07
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My problems with Ford, Ford Credit, and XXXX XXXX began in XX/XX/XXXX when I came into XXXX XXXX in XXXX XXXX to find out if I could transfer my XXXX XXXX XXXX for a new car that I still was paying ( on time ) and I started with a sales person ( which I do not want to name as I believe this complaint should indicate my issue ) who I provided my Veterans Affairs XXXX XXXX XXXX Letter and told him I wished to ask Ford Credit ( who had my loan already ) if they would approve a new loan and add the remainder of the transfer. Although that what happened that day in fact, what happened later is what is causing this complaint : I told him like I said I am XXXX XXXX XXXX Veteran, and provided my letter from VA that I printed out. I told him I wanted to only ask Ford Credit. Aparently, he filled out my credit check form and checked my credit 3 times telling me it was denied because of " medical debt '' which I only found out from what he came back and said. That debt is now in dispute, aparently just reported from an ER visit that VA did n't pay yet, which I am also working on. However, he filled out a form completely wrong and went against what I told him " Please just ask Ford Credit to approve, I have no late payments, just a few extensions, I am happy with Ford Credit, I wo n't buy the XXXX XXXX without Ford Credit '' I signed up obviously, went through with the loan. This was XX/XX/XXXX. In XX/XX/XXXX I brought it back for maintenance to XXXX as the breaks were metal to metal asking to use my extended warranty and to check the mileage and the breaks since after only that short time, my XXXX XXXX XXXX was at 20,000 miles. They did not even check the vehicle but told me at XXXX XXXX my XXXX XXXX XXXX Warranty did not cover the breaks. I told them I have to take it somewhere else, and I had to sign some sort of waiver to take the car away, even though the car was damaged and I was asking them as they were my dealer. I called Ford and let them know in XX/XX/XXXX, Ford claimed to me that they had no reports of a XXXX XXXX XXXX having problems like this. I also called Ford Credit for guidance on this warranty.
Ford told me to get a second opinion from another dealership. In XX/XX/XXXX I drove the car ( after not driving for almost a week ) to XXXX XXXX who told me they could do nothing about second opinions for a couple weeks and I would just have to leave it there. I told them, before they even took the car in that I had called into Ford and told Ford Credit that both told me to get a second opinion immediatly. They told me they coulnd't help me.
I took it to XXXX XXXX XXXX and replaced the breaks. XXXX indicated the brake pads that were sent to them from Ford were different than the factory. I called into Ford and Ford Credit again to report this, I was told to get a second opinion in which I called XXXX XXXX again to which they had to keep the car and it would be a few weeks.
I also had an extension. already during this time with Ford Credit. I asked in XX/XX/XXXX for another extension, explaining my situation. I informed them XX/XX/XXXX was going to be a really tough month and I was working with VA. I was denied in XX/XX/XXXX. I told Ford Credit I would at least make half the payment for XX/XX/XXXX, I was told I have to pay the whole thing.
In XX/XX/XXXXI made my half payment. I noticed before the month was over, Ford Credit reported my account 3 months late to all three credit reports. That was n't true, it was late 1 month. In XX/XX/XXXX, as I was about to make the next payment, I was granted an extension back from XX/XX/XXXXand payed over the amount past due to bring the account current until XX/XX/XXXX.
At this point, the breaks started to squeak again. I was going through a lot of stress also in my personal life. I was going to the VA asking for help, I talked to my Primary Care about possibly having XXXX from my XXXX to XXXX. I was researching how to properly hand in my drivers license from XX/XX/XXXXto XX/XX/XXXX.
I started calling in to notify Ford and Ford Credit of this. I actually canceled the GAP Insurance and " Extended Warranty '' to try to lower the payment now the account was current. Even after canceling each product I felt was not even real at that point, Ford Credit would not lower my monthly payment. They would not even give me guidance if I medically could not drive anymore.
At this point I had enough. I was going to seek a lawyer, however, I called in XX/XX/XXXXsaying I wanted to hand the car back which happened. I told them almost everyday why - They would not even consider the problems I was having with Ford, Ford Credit and XXXX XXXX and refused any concern, at times laughed at me.
Anything I asked for even asking what adderesss to send written requests were either denied outright on the phone or like I state I was made fun of or as I say laughed at. I requested documentation such as billing statements back to XX/XX/XXXX, the sale documents that I did n't have obviously such as discovering the sales person reported I was an VA employee.
I had the car voluntary repossessed, that day I spoke to Ford Credit, I believe it was around XX/XX/XXXX. I asked them to provide a second company of the repossession as I would need it to deregister the car in NJ. That person on the phone was nice and assured me Ford Credit would provide that extra copy.
That did not happen. In fact, they did n't hand my a single document but asking me to pay them for the remaining balance after it was sold. Even though I was calling in for the documents, I was denied and was asked to work something out to return the car to me even though as I told them that I was not intending to have the car returned and I was asking my mental health team to help me give up my drivers license also. I asked them for documents MVC NJ needed to show the car was not in my possession.
XXXX my auto insurance in formed them I no longer had insurance. NJ gave me a time limit to hand in the plates, registration and the Auto Lending Documents. I called in almost every day during the week pleading, yelling, crying asking for the right documents so as NJ MVC stated they would suspend my registration and license.
I made complaints on this website asking for the right documents. I asked for the phone records that had recorded as well as evidence of my claim. Ford Credit replied to this website without addressing any concern I outlined, including making false claims and told me I would have to go to court to ask for the phone records, documents, anything I need by law from the company which is my basic right and makes sense in my opinion.
Now Ford Credit is claiming I must pay them, my license was suspended. I paid the fine. I 'm not intending on driving again, I 'm still working with VA on that front.
However, I can place the account in dispute, ask their employees ( Ford Credit ) to do this in wring and I 'm told they do n't do things in wring. Finally, the employee handing my account mailed the document, only when we started to talk about repayment. They send in writing to me that I never contacted them and I owe a balance. Even though, even if I did have a court demand the records, I 'm sure I can prove to them with their won employee placed under oath I called in daily to fight for documents and records.
At this point, I refuse to pay Ford Credit. I feel they broke the law so many times now whether in Administrative, Civil, and Criminal, I would have to hire an attorney. I would higher an attorney to represent myself and any other military, veteran, family member so that perhaps they would reconsider hurting us in this way in such a disrespectful way that broke their employees broke the law criminally.
If they wish a court to tell me I must pay before they answer my complaint properly and consider listening to each phone call before responding, I anticipate it might take some time they would reconsdering and send me the evidence to prove my claim to them and a higher authority.
If they choose to deny this again, I feel they admit guilt in criminally law by obstruction justice to me. They also accept liability that if they do not hand in documents to their customers and claim someone like myself just has to pay and to consider the problems I had so far, how it affected me, how I have asked for help from the VA and Veterans Organizations aware that : I not only have the right to ask for these documents, but perhaps Ford, Ford Credit, and Holman Ford is asking to be used as an example of practices I 'm describing. I not only reserve the right to ask them for damages and compensation ( all 3 ) but I will go into the public realm. Perhaps the public will agree with me that Ford is not longer a business that supports military members based on my experience, perhaps they should n't be in business at all anymore.

Company response to consumer: Closed with explanation