Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX Ford Motor XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX RE : Formal Demand for Full Accountability and Joint Liability - Lease of XXXX XXXX XXXX XXXX - XXXX To Whom It XXXX Concern : This letter serves as formal notice of breach and demand for full resolution in relation to the XXXX XXXX XXXX XXXX leased under Account No. XXXX, which was returned in XX/XX/XXXX due to substantial and material defects originating from the manufacturing and assembly process. 
The lease agreement signed at inception represented that the vehicle was in safe, defect-free, merchantable condition. However, the vehicle left the assembly line with a latent manufacturing defect, later the subject of a safety recall that Ford Motor Company failed to disclose at the time of lease signing. This constitutes a fundamental breach of the lease agreement from the outset. 
The lease specifically warranted that the vehicle would be in good working condition and free from safety-related defects. However, the defect in question was present before delivery, and Ford Motor Company failed to disclose this as required under both state and federal law. 
Page XXXX On the date of the vehicle 's return, a formal notice was physically attached to the vehicle identifying the defect and exercising rights under the XXXX XXXX XXXX ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX 
The returning dealership acknowledged receipt of this letter. My action placed all parties on notice that the vehicle 's condition rendered the lease voidable. 
Despite this, XXXX XXXX XXXX has continued to enforce the lease by applying penalties and derogatory credit reporting, while simultaneously disclaiming responsibility and shifting blame to Ford Motor Company. Ford Motor Company, in turn, has not issued any relief or accepted responsibility-despite its obligation to remedy defects known at the time of vehicle production. 
This internal finger-pointing is a coordinated avoidance of liability and reflects bad faith. It violates : - XXXX  XXXX XXXX XXXX ( 15 U.S.C. 2304 & 2310 ), - UCC 2-314 ( Implied Warranty of Merchantability ), - The Ohio Consumer Sales Practices Act ( R.C. 1345.02 ), - The implied duty of good faith and fair dealing. 
XXXX XXXX can not selectively enforce the lease while Ford Motor Company avoids liability. To do so is to treat the lease as valid only when it benefits the company, and invalid when it involves manufacturer accountability. This is legally and ethically indefensible. 
DEMAND FOR UNIFIED AND COMPLETE ACCOUNTABILITY I hereby demand that Ford Motor Company, in full coordination with XXXX XXXXtor Credit : 1. Acknowledge that the defect originated at the point of manufacture and constituted a breach of warranty from the outset.

2. Accept full or joint liability for the lease breakdown.

Page 2 3. Instruct Ford Credit to remove all adverse credit reporting, cancel all penalties, and properly record the lease surrender.

4. Provide written confirmation within ten ( 10 ) business days that this matter is fully resolved.

Failure to respond will result in immediate regulatory complaints and legal action under the Magnuson-Moss Warranty Act, UCC, FCRA, and XXXX  XXXX XXXXXXXX. All relevant records, including the original return notice and dealership acknowledgment, are preserved. 
No further evasion or blame-shifting will be tolerated. This letter places the entire Ford XXXX  on notice of its joint accountability. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation