Consumer complaint received 2016-12-11
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO. (VA)

Hello, my name is XXXX XXXX, and also am writing on behalf of my grandmother, XXXX XXXX. Thank you for your time and recent assistance. I am writing for purposes of a follow up to Ford Financing/Credit, & to provide additional information, that which has evolved or occurred since the time of filing of recent complaint. 

After being rejected and originally denied through XXXX Ford & Ford Financing, naturally we were very discouraged over the issue and inability to move forward. At that point, I filed the first complaint with the CFPB. I later called the President of XXXX XXXX Ford, XXXX XXXX, and Sales Manager, XXXX XXXX to ask for further assistance with purchasing the truck. Mainly if they may be able to get an approval, good interest rate, longer term, and positive results on a XXXX application. They both were very interested and willing to try. XXXX XXXX XXXX, who I have had number of conversations with, is a person of strong integrity and has been very helpful. I have very much enjoyed meeting him. I am asking the investigation team or individuals reviewing this at Ford to make sure they speak with him directly, question him over the issue and his discussion with Financing. 

Unfortunately, there was further discrimination and an actual afront, or blocking of business on the second application. XXXX XXXX was disturbed as to the answers and responses they gave him. The application was denied for erroneous reasons, and we are still unable to purchase the truck at this point. If this discrimination continues, I am considering reporting the Financing Dept. to the US Dept. of Justice. The application was referred to a manager or supervisor, who came back and denied it. She did not want or would not allow my grandmother to purchase the truck, citing specific examples, " because I will be the one driving it and mainly responsible for paying for it. '' This is an assumption. This also alludes to discrimination based on my grandmother 's age. It also is illegal for them to not allow her to buy it - and for anyone, especially family member, use it for any reason, as long as such purposes are legal and good. The stipulations of Ford Credit and the Federal laws regarding and surrounding purchasing of vehicles on credit, do not bar or prohibit a person purchasing a vehicle of which another family member may drive, use or participate in ownership. 

Therefore, their reasons are false, not ethical, and not based and grounded on legal reasons. They are essentially saying, no, she can not buy the vehicle because we simply do not want her to have it, and for you ( myself ) to drive it. This is the United States of America, she can legally buy any item or product she wants to or is able to, via credit or cash, if she pays for it - regardless of age or person. Period. That is US law. They clearly do not understand consumer law, customer service dynamics, how to keep good, loyal customers, or how to simply do and facilitate desirable business. They have caused us immense agrivation, time, energy and frustration. The entire financing dept. needs further classes, education and updating in these matters, so that they also reflect the highest virtues, aspirations and mission of Ford Motor Company. 

I would like to lastly say, this has become very personal in recent weeks, and it needs to stop. What they have done is wrong, unethical, not fair to the customer, has pushed away good business and people, & has caused us much personal embarassment with both dealerships. XXXX was very surprised at their responses and reasoning, & was powerless to persuade them. I encourage you to question him in a detail as to their responses and attitude. I also feel there may be some type of deeper issue at the financing dept., jealousy, disdain or other other innapropriate sentiment or perspective. Thank you!