Ford Credit Ford does not honor their errors, will mess up your credit and threaten to hold your vehicle title hostage!!! Ripoff Detroit Michigan

Back in 2001, I bought a Ford Escape. Everything was great at first, then I had a financial setback and Ford was really good about deferring a payment for me. Everything was good again for about 3 1/2 years and then I have been put through HELL by Ford. I left my husband, who I found out hadn't made a payment on my car for 3 months. I called them, explained the situation, again, they were very nice making arrangements with me, so I could get back on my feet. That lasted about a month. I caught up the payments, and then started receiving phone calls that I hadn't made the payments. Luckily, I wrote down all my confirmation numbers because the person I spoke with clearly did not believe me. I provided the numbers and told him that I checked my bank account online and the payments had cleared, and the person didn't even apologize for the accusatory tone he continued until I hung up on him. So with that behind me, I continued making my payments. I admit some were a little late, as in a couple of days late. Then one month, I made my payment EARLY and started getting automated phone calls from Ford..as early as 8AM!!!! When you work nights and get off at 7AM, you can imagine what a nice wake up call that is, especially when you have been in asleep for 15 mins..... These calls continued approximately every hour to hour and a half. So abandoning my sleep, I call them back..Guess what? They say they haven't received my payment again, even though it posted to my bank account 3 days before it was due even allowing for transaction time!!! So again, I give them the confirmation number and the calls continued for the rest of the day because "well, you payment must not have posted to OUR system yet." I ended up turning off the ringer on my phone, which is not a good thing when you work in an emergency dispatch center.... So as my contract is winding down, I am thinking, "Great I am going to be rid of these MFers very soon." I open my last payment, and it's $1300. Now, I know that I don't have the kind of money, so I call to make arrangements to split it into 3 payments. I speak to a woman named April who sends me the paperwork to split the payments out, I sign it and send it back 4 days after I received it. It is now July, the paperwork says my first payment on the balance is due August 20. I don't hear from Ford, and I know how fond they are of calling me, until August 19. I spoke to a very nice man named John, to whom I explained about how I filled out the paperwork and send it in and my payment is not due yet. He explained to me that they never received the paperwork and now my account has been charged off. I gave him the dates I mailed the paperwork in, and he said he would talk to his supervisor about removing the charge off from my credit and to go ahead and make the payment. My boyfriend decided that he is going to pay my car off for my birthday tells me to get the payoff information, so I call to get it, and this woman who answers tells me that they can't remove anything from my credit report. I speak to a supervisor who tells me that he will remove it from my credit if I wire the money in. I explained to him that it's not my error, it's their error, and I will mail a check in for the PAYOFF. He tells me they will hold the check for 30 DAYS then process the title, and the title process can take another 30 DAYS, and oh, he won't remove the charge off from my credit. So I ask "Basically, you are telling me, you are holding the title to my vehicle, which you say will show as paid for as soon as your receive the check, hostage for at least 2 months?" He says,"Yes, you have had the car for 5 years and have bounced a check with us before." I asked what year and explained I was banking with Wells Fargo in 2002 and had a problem with my direct deposit which was remedied within a day, so the check and all fees were paid and I haven't bounced a check since. I admit I had an attitude because I thought because it was their error they were being completely unreasonable. He, however, got nasty, saying things like "when is the last time you made a payment?!" and "Don't expect me to do something for you, and you not do something for me."(Doesn't that sound like something a sexual harasser would say????) and got hung up on in the process. I WILL NEVER OWN ANOTHER FORD, AND WANT TO TELL EVERYONE FORD WILL LIE TO YOU, WILL NOT HONOR THEIR ERRORS AND TRY TO SCREW UP YOUR CREDIT!!! I WOULDN'T WALK ACROSS THE STREET FOR A FREE FORD!!!

Meridith
Dallas, Texas
U.S.A.

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