Consumer complaint received 2015-09-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (GA)

On XXXX XXXX I submitted a Right of Rescission letter to Ford Credit. I know that they ( Ford Credit XXXX received the letter as I have a screen shot from the USPS showing that it was delivered. As per XXXX U.S.C. XXXX, the creditor has twenty XXXX 20 XXXX days to respond and return all of my property. It has been over 60 days and they have not responded. I have not received any correspondence by mail from Ford Credit. It is my understanding as per the code, ), '' within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction ''. That did not happen. On XXXX XXXX, approximately 20 days since Ford Credit had been in receipt of the letter, I had to leave XXXX XXXX for about 30 days for work. During my absence I had my son check the mail for any correspondence from Ford Credit. There was none. Upon my return, I noticed the I had received in the mail, paper copies of the monthly statements. I would think that this some sort of mail fraud at least. I also received in my email inbox emails stating that my account status was available to view online. I also noticed that there were several voice mails in my work phone as well as cell phone from Ford Credit. They even contacted my son. I immediately tried to send Ford Credit an email through their account management website but it would not upload the documents. In turn I emailed an account managed whose title claimed that he was an " Investigator '' for Ford Credit a reminder letter telling them that upon receipt of the rescission letter that they had only 20 days in which to respond and that as of XXXX XXXX they had not. I informed Ford Credit that I would be contacting them in the near future to discuss the disposition of my property. I still had not heard from Ford Credit as of XXXX XXXX 2015. As I was going to lunch yesterday XXXX XXXX 2015 I noticed that a wrecker had loaded my vehicle on it and was towing it away. I asked the driver what he was doing with my vehicle and he said it was being repossessed. He offered no paperwork or explanation and drove away. I contacted the police to report it stolen and they were of no help. I informed the police that after I performed a XXXX Lien search statewide for Georgia I found that there were no liens in my name or social security number. I contacted the sheriffs office and several other agencies and contacted the repo company as well. I finally contacted Ford Credit and spoke to a XXXX XXXX, the so-called " Investigator ''. I informed him the Ford Credit had broken the law in repossessing the vehicle as had sent the letter of rescission and I was aware that they had received it on XXXX XXXX. I explained what the creditor 's responsibilities were in returning my property and XXXX XXXX ' just laughed at that. I asked for my property to be returned, again he laughed at that as well. He acknowledged receipt of the reminder letter that I emailed and informed me that it was no good as the account number was incorrect and that the VIN number that I entered was wrong. I told him that there was more that enough information included in the letter for them to identify who I was. The correct account number is XXXX, I entered XXXX, XXXX digit off. The correct VIN is XXXX, I entered XXXX, XXXX digit off, so there was enough information for them to know who they were dealing with. I asked XXXX XXXX if he and/or Ford Credit had to follow the law like everyone else and his response was a laugh and his statement was " do you know how long Ford Credit has been in business ''? XXXX XXXX decided to end the call. I will include correspondence that I have had with Ford Credit.