Consumer complaint received 2020-02-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO. (MS)

I have suffered from major health problems since XX/XX/XXXX, hospitalized for more than 4 times and many, many ER and clinic visits throughout XXXX, XXXX. I am a XXXX XXXX  ( XXXX XXXX XXXX  ) XXXX XXXX XXXX. My invoices are sent to a 3rd Party XXXX XXXX XXXX for payment which causes a severe cash flow problem. I have cured this problem as of this month by Factoring my invoices for a fee to a Financial Entity that will verify invoices and submit payment ACH within 48 hour. This will allow my business to get back on financial track. I talked with Ford Credit and explained all the difficulties and they gave me a 2 month extension for XXXX and XX/XX/XXXX. I wasn't able to make my XXXX payment because of health and cash flow before it too became 30 days late. I committed to make a payment that was made apx. 5 days after the date of commitment for {$800.00} which made my account 16 days delinquent when my vehicle was stolen by XXXX XXXX in XXXX, MS . I had told them once they came to my home looking for my Ex-Wife never to step foot back upon my property for any reason. They were cursing and offending my current wife, causing her a liar and that she was my ex-wife. I came to the door and ran them off. I pulled all the money out of my account so that the payment would not clear, because I did not know what tatics Ford Credit was up too. They told me they saw the payment and my account was 16 days past due, but they did not catch it in time, before they sent out a repo truck. I talked with a representative in reclamations and she gave me an amount to pay before XX/XX/XXXX of {$2100.00} and I paid an additional {$800.00} for a total of {$2900.00} on Friday XX/XX/XXXX via XXXX XXXX. When I made the payment the division of Ford that handles repossession was closed, so I gave the information to Customer Service and they place the information in notes. They told me I had to wait until Tuesday this week to get that department to fax a release to XXXX XXXX in order to get my truck. I call Ford Credit and they were extremely rude for no known reason and afterwhich told me they would be faxing a release to XXXX and it would be ready in 15 minutes. I called XXXX XXXX after 30 minutes and continually for 2 hours before I had to call Ford Credit back to try to reach them and they were successful. I was told by XXXX at XXXX XXXX XXXX XXXX XXXX XXXX to come after XXXX  ( XXXX  ) XXXX   to pick up my truck because everyone would be out to lunch until XXXX. When I arrived I waited 30 minutes and was then told when calling back they do not release vehicles on Tuesday. I would need to come back by on Wednesday at XXXX. I have lost apx. {$1000.00} per day dealing with this situation and had scheduled appointments at XXXX today on people who are waiting to get appraisals to close their loans. I am a local XXXX in XXXX with sterling reputation throughout the appraisal and real estate industry. Medical issues just caused a short term deficit for me and my finances. I have financed many vehicles with Ford Motor Credit and this is the first time I have ever had a payment issue. I feel that I have been handled inappropriately by Ford Motor Credit and most definitely XXXX XXXX XXXX, who is their contractor. My driveway was destroyed when picking up the truck and needs to be repaired. I have a sheriff 's report about damages and an estimate of damages