Consumer complaint received 2015-06-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

When i was talking to the salesman ( XXXX and the sales manager XXXX XXXX XXXX they were offering me {$11000.00} for my trade in car and a extra 55 days until my XXXX payment was due along with a special finance at 3.9 % with a {$1500.00} trade in assistance and {$1500.00} in rebates. They tried to get me to pay the down-payment before i actually got to see the contract. So after waiting a lengthy amount of time and also continuously being pressured to make the down payment before i saw the contract i got a little suspicious and really wanted to see the contract before anything else was discussed. They finally walked us back to the finance manager, so he 's typing on the computer getting the contract ready then he ask me do i want to add a maintenance package I asked is n't it included with the car he stated no only a power train warranty is included. So i ask to see what the contract looks like so he shows me and the monthly price went up due to a gap insurance that was added that i never asked to be included and i was told that i need it and then i saw {$5500.00} on the contract so i asked what is that for the finance manager then stated that is your trade in value. I immediately got irate as to why no one stated to me that i was only getting {$5500.00} for my trade in. So the fiance manger says " i dont know you guys discussed that before you came to me and i advised him no we didnt. '' So he calls XXXX aka the sales manager to the office and i asked Where is the {$5500.00} coming from he then said " I can only give you {$5500.00} for the trade in because it need to fit into XXXX guidelines for the rebates and the trade in assistance '' So he then he tries to explain how the rebates and trade in rebate works in order to get the special financing and i said Sir that makes no sense. I then asked show me the guide lines for the XXXX apr which was the most important thing to me and I still did n't understand the process. So i end up walking out of the office being stopped by the salesman again asking me why am i leaving and that he worked all day to get this deal done. so i started requesting my keys to my car XXXX the trade in ) and he says the garage has them because they are processing it, i kept demanding my keys so i could leave but to no avail, then the sales manager comes back out saying please come back in so we can see what went wrong and fix it for you. I said stop lying to me and we can see what we can do. So i said to him that i want $ 11k for my trade in along with the rebates and the special financing he says OK i will help with that. by this time it is now almost XXXX at night on XXXX/XXXX/15 they kept saying lets get this deal done tonight so we can go home. i was telling him no lets come back tomorrow when you guys have your story straight and ready to be real with me. So the sales manager says to me how bout i pay for the maintenance package that way you will still qualify for the special financing and the rebates. I said to him again show me the requirements for XXXX to get these deals and he still could n't show me anything. So he advises me to sign the documents and he will get the direct information from Ford tomorrow because everything was closed. So I 've been still waiting for more information and i have n't received anything. Now I called the dealership today XXXX/XXXX/15 because i was curious about when my XXXX payment date was after looking at my contract last night finding out that my XXXX payment is due XXXX rather than the end of XXXX like i was promised, I blew up on the sales man because he was trying to tell me that he told me that the payment will be due 55 days after the contract was signed which is wrong because he told me 55 - 60 days the payment would be due now hes saying that the finance company offers a extra 10 days so the XXXX date is right but it is wrong