Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: FORD MOTOR CREDIT CO.
State: KY

Complaint narrative:
I am submitting this complaint regarding an auto loan financed through Ford Motor Credit that appears to have been originated with material inaccuracies in the transaction documentation submitted by the dealership. Despite attempting to resolve these issues directly through Ford Motor XXXX consumer complaint process, I have not received any meaningful response or resolution. Background and Timeline In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, Kentucky, and the vehicle was financed through Ford Motor Credit . At the time of purchase, I traded in XXXX vehicles and relied on the dealerships finance department to accurately structure and disclose the transaction terms and documentation. Recently, while reviewing my financial records and contract documentation more closely, I discovered several significant discrepancies in the way the transaction appears to have been reported and submitted to Ford Motor Credit. These discrepancies include : Trade-in values on the retail installment contract that do not match the dealerships internal valuation records Evidence that only XXXX trade-in vehicle was reflected in the lender file, despite XXXX vehicles being traded as part of the transaction A borrower designation that lists me as a co-signer rather than the primary borrower, which is inconsistent with how the transaction was explained at the time of purchase Sales tax calculations that appear inconsistent with the vehicle purchase price Incentives and credits that are not clearly reflected in the final contract structure Because these discrepancies directly affect the amount financed, borrower designation, and overall accuracy of the loan contract, I became concerned that the lender may have approved the loan based on inaccurate or incomplete information submitted by the dealership. Steps Taken to Resolve On XX/XX/XXXX, I contacted Ford Motor Credit and formally submitted a consumer complaint requesting that the origination of the loan be reviewed. I provided an explanation of the discrepancies and indicated that I have documentation supporting my concerns. Since filing that complaint, I have not received any meaningful response or request for documentation, and the issue remains unresolved. Why This Matters I currently work in the financial services industry, and part of my professional responsibilities involve understanding and complying with financial documentation and lending practices. It was through reviewing my records from that perspective that I first recognized that the transaction documentation appears inconsistent and potentially inaccurate. Because this loan appears on my credit file and financial record, it is important to me that the contract accurately reflect the true transaction and that any errors in the origination process be corrected. Requested Resolution I am requesting that Ford Motor Credit : XXXX. Conduct a full review of the loan origination and documentation submitted by the dealership XXXX. Evaluate whether the loan was approved based on inaccurate or incomplete transaction information XXXX. Work with the dealership to correct the contract or otherwise provide an appropriate resolution if the loan was originated improperly My goal is simply to ensure that the loan contract accurately reflects the underlying transaction and that any inaccuracies are corrected. I am willing to provide supporting documentation showing the discrepancies referenced above if requested. Because the contract may not accurately reflect the transaction, I have also been limiting discretionary use of the vehicle while the matter is unresolved.

Company response to consumer: Closed with explanation