• Report: #476124

Complaint Review: Ford Motor Credit Company

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  • Submitted: Mon, August 03, 2009
  • Updated: Tue, August 04, 2009

  • Reported By:Charlotte North Carolina
Ford Motor Credit Company
PO Box 6248 Dearborn, Michigan U.S.A.

Ford Motor Credit Company Repo Proved Dearborn And Omaha Don't Communicate At approximately 315 am my family was awakened by tremendously loud banging on our door.There were 2 men standing at our door an another downstairs connecting our 2006 Ford Fusion to a tow truck. Dearborn Michigan

*Consumer Comment: Ford is unorganized

* : Something is not Right

*Consumer Comment: Lawyer

*Consumer Comment: Lawyer

*Consumer Comment: Lawyer

*Consumer Comment: Lawyer

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The two men stated that I owed $968.05 and because I had not paid, they were there to take our car. My wife commuted from Laurel, MD to Fort Myer, VA every morning at 430 am. We had just received an apology letter in the mail from the Director of Customer Services. The letter stated that an error occurred on my account billing statement following the due date change on our statement.

The error was that $800.00 in payments had been placed on the Ford Freestyle account instead of the Ford Fusion account. My Freestyle was paid by an allotment. Hence, Ford Motor Credit did not realize I had two accounts until someone named "Jay" in Florida did.

He/She literally said, "Do you have two car loans with us?" After confirming that I did, Jay stated that payments had been placed on the wrong account. Then within days we recceived the apology letter.

The repo men would not look at the letter my wife had shown them and proceeded to demand the keys to the Ford Fusion.

My wife was concerned with 3 boxes of children books she had purchased (she was an Assistant Director for a Child Development Center), government decals(that the repo men did not allow us to remove), and other very personal items left in the trunk.

The repo men allowed us to remove the 3 boxes of books (only) while the Fusion was connected to the tow truck.

I began calling the Repo office in Florida, the CEO of Ford, the office in Florida and was told the car was taken because said we didn't answer our phone. I am a disbled Veteran (80%) and I served my Country 22.5 years. I was in the Gulf War! Yet I could not believe I was being treated this way. They sold the Fusion at an auction within days and we still owe over $18,000!

I paid insurance on the Fusion, and I never knew where they had taken it.

I need help please!

Mary and willie
Charlotte, North Carolina
U.S.A.

This report was posted on Ripoff Report on 08/03/2009 05:48 PM and is a permanent record located here: http://www.ripoffreport.com/r/Ford-Motor-Credit-Company/Dearborn-Michigan-48126/Ford-Motor-Credit-Company-Repo-Proved-Dearborn-And-Omaha-Dont-Communicate-At-approximatel-476124. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 6Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Ford is unorganized

AUTHOR: tailer - (USA)

Ford Credit is so disorganized that I can see how this happens and my reply is for In My Opinion.  We even had repos guys tell us how unorganized Ford Credit was as they repoed our vehicle, that by the way, it was repoed 1 week after we filed bankruptcy.  The repo guys totally ignored the BK filing notice that the court sent.  They wanted the vehicle and they did not care.

The original poster said Ford Credit commented on how the poster never answered the phone.  We were in contact with Ford Credit, husband had talked to them earlier in the day, later that night they called my mother in another state and stated that they could not get a hold of us.  I kept a log of all the calls we made, date, time, who we talked to and what was said.  I know for a fact that some our calls were not documented, because I would say I talked with so and so at this extension and we discussed this.  To be told there was no record of it.

The day after they repoed the vehicle, we got a call from Ford Credit telling us we were behind in payments-we were only 1 behind.  I informed this person of the bankruptcy filing, and that they sent repo guys-one of whom physically threatened me-and the Ford Credit guy knew nothing about the BK filing or the repo.  So this tells me that Ford Credit does not know what is going on in their departments.

Our BK attorney had the vehicle returned to us.  A couple of weeks later we and our attorney got notice that Ford Credit wanted us to sign reaffirmation agreement right away along with a very nasty warning.  Attorney said to let them wait because we had a certain time in which to reaffirm and we had plenty of time.  We decided that we could not to reaffirm so we turned the vehicle into our local Ford dealer and our attorney notified their attorney of where the vehicle was.

The vehicle sat in the dealer's lot for over 2 months.  We got a call from Ford Credit wanting us to make arrangements to turn the vehicle over to them.  We knew for a fact that they were again attempting to repo the vehicle--mind you we had turned it in two months earlier.  So this again tells me that one dept does not know what the other is doing. 

I am filing suit against Ford Credit and the repo thugs.  Both of whom violated the bankruptcy stay.  Just last week got notice that they are selling the vehicle in a private sale and we will be responsible for any deficiency.  Let them try to collect because it was discharged in BK.  We will file another complaint with the court for trying to collect a discharged debt.   

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#2

Something is not Right

AUTHOR: In my opinion - (U.S.A.)

Something about this is not correct.  I am an ex-employee of Ford Motor Credit (Maryland).  In your account you stated that your wife drives from MD, but I am not sure where the car was reposesed from.  In Maryland when a car is reposesed, it has to be held for a certain amount of days before it can be auctioned.  This gives the owner a chance to redeem it.  I'm pretty sure that it is 15 days.  Your car certainly would not have been auctioned in 3 days. 


I have seen situations where the payments were applied to the wrong account & we simply moved them to the correct account. 


This does not sit right with me.

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#3 Consumer Comment

Lawyer

AUTHOR: Ashley - (U.S.A.)

Hire a lawyer?

You should have done that immediately. What did they tell you in the three days before they sold it?
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#4 Consumer Comment

Lawyer

AUTHOR: Ashley - (U.S.A.)

Hire a lawyer?

You should have done that immediately. What did they tell you in the three days before they sold it?
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#5 Consumer Comment

Lawyer

AUTHOR: Ashley - (U.S.A.)

Hire a lawyer?

You should have done that immediately. What did they tell you in the three days before they sold it?
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#6 Consumer Comment

Lawyer

AUTHOR: Ashley - (U.S.A.)

Hire a lawyer?

You should have done that immediately. What did they tell you in the three days before they sold it?
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