Consumer complaint received 2017-12-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FORD MOTOR CREDIT CO. (NJ)

I called Ford Motor Credit on XXXX/XXXX/XXXX around XXXX XXXX XXXXo try and resolve late payments as I had switched jobs and was getting payed a lot less. So my account was behind. I originally spoke with someone who told me my account has be transferred to a different department but that thy were n't in and that they left a message. Even so they said they were able to help me out and that if I paid XXXX the remaining balance on XXXX on XXXX and then made a full payment of XXXX on Friday XXXX they would be able to keep my account open I said okay and continued about my day. I got a call around noon from XXXX who was pleasant but said that what the first person told me was n't true and that I have to actually pay {$670.00} on XXXX or they would come seize the property and if I did n't give the location or pay it would become a charge back which means hat they can no longer work with me, I told him that I got paid on XXXX but I knew that it was not gon na be that amount and that I could see if anyone would lend me the difference he said okay he 'd be in the office until XXXX XXXX I agreed to call him back before then. I made calls etc. long story short I still could n't come up with that much money on the spot. So around XXXX XXXX I called XXXX back but got voicemail so I left him a voicemail. The morning of XXXX I called back but got transferred to a different person, XXXX. This so who the complaint is about. When I got transferred I relayed to him the situation and the two previous things I had been told. He then proceeded to say that neither of them were correct and the XXXX was cutting me a break with the XXXX I told him that I just got paid today but it 's not enough, he asked how much I have and I told him XXXX dollars the he just flipped and said that I actually owe XXXX and if I do n't immediately wire the money, that they are demanding the vehicle back and if I do n't surrender the vehicle law enforcement will be envoled ( he could n't really tell me how just used a lot of vague threats ). I kept trying to explain the situation but I felt he was n't really listening to me so asked to speak with a supervisor at which point he told me that I do n't have the right to speak to a supervisor, I told him that I do and he then asked me " what makes you think you have the right the speak with a supervisor '' I just said that I know I have the right he 's not listening to me and I need someone that will actually listen and knows what 's going one because at this point I 've been told three different stories. He kept telling me I could n't speak to anyone else and then started asking for my dads number ( the cosigner ) I told him that there 's nothing my dad can do and that 's why I 'm trying to handle it and he kept asking why I do n't want him to speak with him and I said because it 's not going to change the situation then he just kept trying to threaten me into giving my dads number saying he 'll go after him etc etc making me feel extremely uncomfortable, and still refusing to let me speak with someone else. Which I know is not appropriate. I 'm going to call again and ask for a supervisor, because that was not okay.