Consumer complaint received 2017-02-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

In XX/XX/XXXX, I asked XXXX Ford if I could transfer my loan through Ford Credit ( XXXX Ford Focus ) which I purchased XXXX in the XXXX in XXXX. I told the person I spoke to my credit was not very high and I was working on it. He told me I may be able to obtain another loan and to bring in all my finance information. I provided him with my Veterans Affairs letter which shows my XXXX and asked him to ask Ford Credit for the loan. At this time I was considering a new car as I was working with Veterans Affairs since my XXXX to obtain employment and I was ready to beginning to explore moving out of New Jersey. The sales person collected my info and came back saying the other loan companies denied me based on credit, however I did not ask him to conduct a credit check, as I stated above, I asked him to have Ford Credit consider this. Eventually after perhaps a half hour he said they did. During this time I was XXXX which has since improved. The medication I was on with Veterans Affairs, I did not feel was appropriate as I have experienced XXXX during the time I purchased the XX/XX/XXXX Ford Escape. The Escape was given to me the next day and I drove it off the lot. During the period of XX/XX/XXXX to XX/XX/XXXX, the car obtained XXXX miles and I was unsure if that was myself since I had not driven out of New Jersey. I do not think I drove that much in that time. I took the car back to XXXX to have it inspected, I called Ford and Ford Credit to report this, however I was told that had never happen to a XX/XX/XXXX Ford Escape. The brakes were metal to metal in XX/XX/XXXX and I took it back to XXXX Ford who told me the extended warranty I purchased did not cover that type of service. By this time I was also experiencing some personal life issues as I began to get help for my veteran issues, I asked for an extension and was granted one by Ford Credit for XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I asked for another month, however as it was explained to me then I was not able to get an extension from Ford Credit for the loan because I had one already. I asked them if I could pay half the payment of {$470.00} and it was verbally agreed on the phone, however, I did not get it in writing. I sent Ford Credit half the {$470.00}. In XX/XX/XXXX before the due date, my credit report reflected 90 days late which was not true. Also I recieved mutiple phone calls from Ford Credit to " borrow '' money to pay the other half. This issue snow balled into other areas of my life as I was upset Ford Credit was not willing to work with me. Finally, in late XX/XX/XXXX, I received a extension from XX/XX/XXXX with another representative who told me " it depends on who you talk to '' I was current on the loan until XX/XX/XXXX in which through many phone conversations with Ford Credit, I explained I was now in the midst of experiencing many issues that stemmed back to XX/XX/XXXX. My other bills were late as I made a large {$800.00} payment in XX/XX/XXXX to remain current until XX/XX/XXXX. I made a quick decision to do a voluntary repossession. During this time on the phone, I was laughed at, I became very irate on the phone and in my personal life. I do not want to spefically blame Ford Credit, but they were not helpful in that regard during that time. The car was repossed in XX/XX/XXXX per my request, however, upon checking my annual credit report, I saw my employer was listed as " Department of Veterans Affairs ''. I was denied credit and also my current credit agencies, my lease at my apartment had all been based on that employer, which I am not as I am a XXXX veteran and provided them that documentation.