Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO.
State: ME

Complaint narrative:
Most recently, I contacted Ford Motor Company on XX/XX/XXXX, trying to figure out why the debt was being added back to my credit report after it initially be closed back in XXXX of XXXX. I voluntarily gave back the vehicle I was leasing a XXXX XXXX XXXX XXXX. The car went in to be fixed and during it a recall was issued, for a pin in the steering column breaking causing the steering wheel to become unattached to the vehicle. After, the recall was issued, I did not feel safe or comfortable driving the vehicle, as I was pregnant with my youngest child, and had XXXX other children who needed to ride in the vehicle. I was taken to court by the lawyers at XXXX, XXXX and XXXX, XXXX. located in XXXX, XXXX. They garnished my wages, at first they were taking 25 % of my wages. After, I fought them in court on it, it was dropped to XXXX a week. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. 
XXXX XXXX was garnished from my wages plus XXXX dollars in garnishment fees. Totaling XXXX paid towards the starting balance of XXXX. I also paid XXXX dollars in garnishment fees. When I spoke with XXXX and XXXX the " newest '' owner of this debt, they stated I only paid XXXX. Thats a discrepancy of XXXX dollars. Online they are reporting a balance of XXXX, thru Ford Motor Credit Company, which on XXXX, XXXX, jumped up to XXXX when it opened back up and started negatively impacting my credit score again. Causing me to lose close to XXXX points on my credit score which I had been working towards fixing. When I spoke with Ford on the XXXX, they claimed they didn't have access to my file and they were not responsible for my account any longer and it had been sold to a debt collector. They then forwarded my call to XXXX and XXXX, where I was told all my information would be sent to me and I could " dispute '' anything in the file. When I attempted to speak with the representative. They ignored all I had to say and just continued to tell me, it'll be sent to me in the mail. They also informed me the total balance owed currently was XXXX. Then proceed to say " you're not being charged interest right now. '' My last contact from XXXX, XXXX and XXXX stated my remaining balance was XXXX, that correspondence was sent to me on XX/XX/XXXX and I received it XX/XX/XXXX. I continued to pay the XXXX weekly amount until XX/XX/XXXX that was the last time the XXXX dollars was garnished from my check. Currently, the balance is listed as XXXX which is XXXX higher than what XXXX, XXXX and XXXX reported plus an additional XXXX dollars was paid towards this account after XX/XX/XXXX which is not being reported as being paid. I know where the discrepancy of the XXXX lies. However, when I tried to share this information they just continued to ignore me and push me to be done with the call.

Company response to consumer: Closed with monetary relief