Consumer complaint received 2016-08-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

I bought a XXXX certified used Ford Escape from XXXX XXXX ford on XXXX/XXXX/XXXX. The dealer said I was being financed thru ford credit and I need my mother to consign since she has a perfect score.i put {$5000.00} down on the car that day and after I drove the car home I started to notice signs the car could n't have been inspected or certified as safe passing a XXXX point inspection it was running on % XXXX of oil in the engine smoking and messages pop up on the dash warning me to pull over and turn off the car to prevent engine fire.on XX/XX/XXXX I took car back for service again on XX/XX/XXXX with suspicion of the sale the car the loan and the title I found out the car had just been sold on XX/XX/XXXX few days before I bought it the registration did n't go into my name until XXXX/XXXX/XXXX I never even made one payment on the loan because by the time my 1st payment was due on XXXX/XXXX/XXXX I had the car towed in for service and just told them to keep it cause it 's not fixed the dealer had me sign a new contract and sold me a new XXXX escape I assumed since it was so quick the first loan would n't have been on my credit yet I looked at my credit after the XXXX car and noticed the loan being reported as of XXXX/XXXX/XXXX I had interest on the XXXX car at 1.9 so reporting the sale before it happened cost me to pay interest on a daily basis for days i did n't own the car.i later learned thru the dealer and ford credit my XXXX loan was voided and this made sense since it was opened and closed without time to even put it in my name and I received so many weird letters the dealer said not to worry about the adverse action letter the letter from ford saying I was not approved the letter from ford saying I sent incomplete info on my credit app the dmv sent me letters about the insurance coverage for the car needs to be reported they have no record of coverage for the car and intented to suspend the registration.All signs showed me the car was legally not ever owned by me I 'm not on the record at all when the employee at the dealer told me the car was bought back by them and I Did n't qualify for the owners rewards program prizes cause I returned the car and the dealer bought it back I could n't get the {$100.00} coupon for buying the XXXX car it was voided I then herd from ford credit the XXXX car loan was refining end that made sense since my mom had to cosign and the dealer had XXXX hard hits on my credit all from ford credit they could have used my credit to get a higher rate then swap out my info with my mom who had a high XXXX score and got 0 % apr.the dealer still kept my down payment I never made one payment on the car and after i learned the dealer did n't even inspect the car and XXXX XXXX took important documents called the oasis and alter them I knew something was not right and got away from the unsafe car one of the salesman told me to go to small claims court and get my money back for the XXXX car.the dealer sold me a XXXX car with the same loan ford credit the numbers on the account changed but I believe it was due to the dealer transfer ownership from myself to my mother refinanced I had bad credit she had good the dealer signed my name on documents to look like I had the car longer than i did before I even bought the car the dealer backdated the loan to look like I even had made a payment on the XXXX car making it possible to swap the vin number on the established car loan in place with XXXX credit.the dealer ended up selling me a bad car or lemon twice the XXXX brand new car was a nightmare and bought back under the lemon law the loan company never took any money from me on the XXXX car and somehow reported it had my business when it did n't I want my down payment of XXXX back for a car loan that was canceled or unwound XX/XX/XXXX I tried small claims court but the dealer had forged my name on papers in order to cover this fraud up.