Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
Ford Motor Company has forced me to continue for almost a year, paying for a car with a known defective that can and DID result in a life threatening situation on the freeway in XXXX, MN. We have been dealing with a known and unresolved fuel pump defect in our vehicle for approximately one year. During this time, the vehicle has randomly shut off on multiple occasions, creating an ongoing and severe safety hazard. Despite repeated attempts to have this issue addressed through your authorized dealer, XXXX XXXX XXXX, we were explicitly told that nothing could be done because Ford had not provided a solution. Ford then had their own engineer look at the vehicle and said that nothing was wrong with it, when it has a KNOWN warranty issue that Ford states can cause the exact issues. The most alarming incident occurred over a month ago when the vehicle shut off completely while we were traveling on the highway. All indicator lights began flashing, and the truck came to a dead stop in active traffic. We were nearly involved in a fatal collision. The only way to regain operation was to fully power the vehicle off and restart it. This was not just an inconvenienceit was a life-threatening failure. Despite clear evidence of a dangerous defect, Ford has failed to repair the vehicle under warranty, failed to provide a viable solution, and failed to take appropriate action to prevent further risk. Even more concerning, we were effectively left to continue operating a vehicle that posed a known and substantial danger. Following this incident, we made the decision that the vehicle is unsafe to drive. It has now been nearly two months without transportation. During this time, Ford has also failed to provide a promised loaner or replacement vehicle, which constitutes a breach of its warranty obligations and customer care commitments. As a result of Fords inaction and negligence, we have suffered : - Loss of safe and reliable transportation - Loss of income due to inability to travel for work - Emotional distress and ongoing anxiety - Loss of enjoyment of life, including inability to attend holidays and personal events Fords conduct represents clear violations of federal and state consumer protection laws, including but not limited to : - Breach of express and implied warranty obligations- Violations of the XXXX XXXX XXXX XXXX 15 U.S.C. 2301 et seq. ) for failure to repair a warrantied defect within a reasonable timeframe - Potential violations of applicable state Lemon Laws due to repeated unsuccessful repair attempts and extended loss of use - Negligence in failing to address a known safety defect that created a substantial risk of serious bodily injury or death - Breach of contract through failure to provide a loaner or comparable transportation while the vehicle is inoperable under warranty At this point, Fords lack of urgency and failure to act rises well beyond poor customer serviceit reflects a disregard for consumer safety and legal obligations. We are demanding immediate resolution, including : 1. Immediate provision of a brand new truck ( equivalent to or greater than what we paid for this vehicle ), AND 2. Compensation under applicable Lemon Law conditions, AND 3. Reimbursement for all damages incurred, including loss of income and out-of-pocket expenses If this matter is not addressed promptly, we are prepared to pursue all available legal remedies, including formal claims under the XXXX XXXX XXXX and state consumer protection statutes. This situation should never have been allowed to reach this point. We expect immediate and decisive action. XXXX XXXX XXXX

Company response to consumer: Closed with explanation