Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
LEGAL NOTICE DEMAND FOR CORRECT TREATMENT OF CONTRACT RESCISSION To : Ford Motor Credit Company XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX Email : XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contract No. : XXXX/ XXXX XXXX. XXXX Lessee : XXXX XXXX 1. Responsible Party Under Lease Administration Under Section 36 of the Ohio Motor Vehicle Lease Agreement, the Finance Company will administer this lease and is authorized to enforce and defend the lease on the Holders behalf. As the Holder, Ford Credit bears full responsibility for the administration and disposition of this contract, including compliance with rescission demands. 

2. Improper Reliance on Section 2 ( Payments/Early Termination ) Ford Credit has attempted to frame my rescission as early termination by pointing to Page 2, Section 2 of the lease, which outlines Payments and early termination penalties. 

This reliance is legally misplaced : Section 2 governs only valid leases that are being terminated early. 

Rescission voids the lease from inception. The contract is treated as though it never existed. Thus, there are no valid payments or termination charges to enforce under Section 2.

Your repeated references to Section 2 misstate the nature of my claim and attempt to impose penalties that can not lawfully apply where rescission has been asserted.

3. Clarification of Section 4 ( Total of Payments ) Section 4 of the lease sets out the total payments due over the life of the lease. That section presumes an enforceable contract that continues unless terminated under its terms.

Because this contract was void from the outset due to breach of implied warranties, Section 4s total of payments is irrelevant. Instead, Ohio law requires that rescission return both parties to their pre-contract position meaning Ford Credit must refund my consideration, not enforce projected payment schedules. 

4. Ohio Law Governing Breach and Rescission The contract is subject to Ohio law ( Section 43 of the lease ), which provides : R.C. 1302.27 & 1310.17 Goods must be merchantable, i.e., safe and fit for ordinary use. A vehicle with a factory defect ( safety recall XXXX/ XXXX XXXX ) that risks steering failure is not merchantable. Breach occurred at delivery. 

R.C. 1345.02 Consumer Sales Practices Act ( CSPA ) : Delivering a defective vehicle constituted a deceptive act. Ohio courts hold that intent to deceive is irrelevant ; objective misrepresentation suffices ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Strict Liability : Ohio law makes clear that breach exists regardless of Fords knowledge of the defect. 

Therefore, rescission is the proper remedy not early termination. 

XXXX. Federal Warranty Law Overlay The Magnuson-Moss Warranty Act ( 15 U.S.C. 2310 ) prohibits disclaiming implied warranties where a written warranty is provided. Ford provided such a warranty. Delivery of a latent, dangerous defect violated both the written and implied warranties, entitling me to rescission. 

XXXX. Auction Sale and Continuing Liability The vehicle was sold at auction on XX/XX/XXXX and retitled to another party. Yet XXXXord Credit has : Kept me listed as leaseholder in its system.

Continued to hold me responsible for mileage, registration, and liability.

Failed to declassify the lease in Ohios records. 

This is improper and compounds damages. Once rescission was asserted, all obligations should have been extinguished. By retaining me as responsible post-auction, Ford Credit has unlawfully extended liability for a contract that should never have existed. 

7. Demands I hereby demand that Ford Credit : Acknowledge rescission, not early termination.

Cease reliance on Section 2 and Section 4, which do not apply in rescission.

Return all consideration paid under the void contract.

Correct all credit reporting to reflect rescission.

Remove my name immediately as leaseholder in Ford Credits portal and Ohio XXXX records. 

Provide written confirmation of compliance within 10 business days.

8. Notice of Escalation If Ford Credit fails to comply, I will pursue legal remedies under the Ohio Consumer Sales Practices Act and the Magnuson-Moss Warranty Act, including : Rescission damages ( return of all consideration ) Treble damages under the CSPA Punitive damages for willful noncompliance Attorneys fees and regulatory complaints Respectfully, XXXX XXXX Lessee / Contract No. XXXX

Company response to consumer: Closed with explanation