Ford Motor Complaint - Ford Credit - Harrassment and Fraudulent Practices
WASHINGTON -- In 4 years with FMC, I've been late one other time on my car payment. This was due to unemployment. I made payment arrangements with Ford Credit to make up for, never more than, 30 days past due. I have 46 payments listed on my record as "on time".
This 2nd time has been a complete disaster. After making payment arrangements in May, 2004 to make 1.5 car payments in May and in June to bring my account current, I made my first payment without trouble. FMC started calling my house 3 times a day even though I had made these payment arrangements. I continued to express the arrangements made with FMC and that they had already received the 1st payment which brought me 15 days late, the Care Reps showed no record of such payment arrangements being made, but did note the large payment received and continued to threaten me about being behind and how my vehicle could be repossesed.
On June 25th, 2004 I attempted to login to "ebill" online payment application to make remainder of behind payment and current payment. This would bring me current. "ebill" app had gone through an "upgrade" which required me to re-register. I tried to re-register but was unable to. I called FMC immediately to get tech support and was rudely told by Care Rep that I was "locked out until I brought my account current." (Um, hello? I was trying to make the payment!) When trying to explain that I was attempting to make the payment, I was badgered by the care rep and that my request to be reinstated in ebill was "rejected". After asking to speak with his manager, I was cast into hold where I waited for over 25 minutes without my call being answered. I eventually hung up, tried calling again to speak to a manager and after refusing to talk to the care rep instead of a manger, I was cast onto eternal hold again.
On July 1st, I attempted to make this same payment again over the phone pay system. I successfully re-enrolled (another upgrade that deleted my previous account information) in that system as well and made my payment. I received a confirmation number for my payment and assumed all was well. FMC called on July 10th stating that payment had not been made, that I had purposely gave them a bad account number, (which it wasn't because I've had the same checking account for 10 years, I know my account number by heart) and that I was now locked out of all systems ( except Western Union) and my truck was scheduled for repossesion in August. Again, I expressed that I have done everything asked of me by FMC and that the only reason why they haven't received payment is because of FMC deleting 2 existing accounts (phone and ebill) which is causing this entire mix up. That I do not deserve to be threatened with repossesion nor do I deserve the continued phone harrassment and hits against my credit record because of these technological mistakes during upgrades. I asked again to speak with a manager and again, I sat on eternal hold for 25 minutes before I hung up. By now, I had learned the routine. My wife, seeing that I was extremly upset, attempted to call on my behalf and defuse the situation. She was also harrassed and slandered and is demanding I trade in the vehicle to pay off FMC immediately.
FMC is demanding I pay all delinquent late fees, accept the hit on my credit record for their inability to accurately record good faith attempts to make payment arangements, fix faulty customer billing application upgrades and pay a 25% per day fee for every day I continue to be late since May. To add insult to injury I must now pay an additional $10 transaction fee when wiring my (even later) truck payment just so they can authorize me to use phone pay and ebill applications. Oh, and I can't just mail them my payment either. They won't accept my check or a money order by mail.
I'm not kidding, this is really how Ford Motor Credit treats their customers. I've already filed a complaint with the BBB regarding this whole mess but you know FMC will weasel out of it and I'll still have to pay these outrageuos fees that never would have accrued if I was allowed to make my payment on June 25th like I originally attempted to do. I suppose I didn't have to file this, and many other negative remarks against FMC but something about calling me "fraudulent" and slandering my character set me off. It's not good to piss off a Systems Administrator!
If you buy a Ford product, make sure you're financed through anyone BUT Ford Motor Credit; you'll be glad you did.