I am outraged at what happened to me with Ford Motor Credit. My story is written below in a letter that I am sending to the CEO. It is as follows:
December 17
To: William Clay Ford Jr.
Chief Executive Officer
Ford Motor Company
PO Box 685
Dearborn, MI 48126-0685
Re: All-Cal Adjusters (Investigator Lewis) and Collection Specialists (Kim Rogers and Frankie
her supervisor is Lori Longly @ 702-617-5057)
To Whom It May Concern:
This letter is written in hopes that you will find a reasonable solution to the problem at hand before it escalates. I am currently financing a 2002 Focus with your company.in September I went on disability for stress. As a result, I was unable to maintain my normal payment schedule, but did consult with several of your customer service representatives to let them know my status.in the meantime, I was attempting to retrieve more funds from school financial aid to catch up on my car loan, in which you representatives were also fully aware of. It was never my intention to fall behind on my loan. Towards the end of November, I received a call from my immediate manager who informed me that a lady by the name of Investigator Lewis called and stated that she was investigating me for fraud and that I was involved in recent fraudulent activities. She also said that they needed to find me in order to issue a warrant of arrest. Since I work in the finance industry and have access to restricted information, my manager said that she would have to bring this matter to the attention of my District Manager to see what he intends to do (I may not have a job at the end of all of this). I called the number that was given to me and spoke with Investigator Lewis. I learned that your company had hired her to retrieve the car. She made several false accusations saying that I had not given your company my current information and that I was hiding. I have called your company every single time I have changed information and the car has been kept in the same place as always. Because of her rude and uncanny nature, I hung up in her face because I refuse to be treated like that.
Over the next couple of weeks, Investigator Lewis continued to call and harass my job, my family members, and myself. I am also aware that she has given my personal information to any and everyone that she spoke with on the telephone and she even tried to bribe my sister with money to give her an alternate address (which I do not have). She has also left several disturbing messages on my answering machine and my sister's machine threatening to issue a warrant and come to my door with the police to arrest me, as well as other violations of the FDCPA and Repossession laws. I do have the messages saved onto tape (s) and a copy is being forwarded to the Federal Trade Commission. I tried to speak with Investigator Lewis on several occasions, but I have no tolerance for anyone who tries to belittle me in any way, shape, or form.
On the morning of December 6, Investigator called my house at 6:30 A.M. The next day on December 7, she called my home at 7:44 A.M. My sister called her at 8:15 A.M. That morning to tell Investigator Lewis to not call the house that early again and that is when she told my sister that if I don't call her back within 30 minutes, she was going to come and arrest me then. On December 8, I called Ford Motor Credit and spoke with a man named Dennis. I explained the situation to him and let him know that I was finally getting a check from the State Disability office that I could use to pay on the car. He was very helpful and worked out a payment plan for me to catch up. We agreed for me to Western Union $846.85 and then he would defer the December payment. I told him that as soon as I get my check, it would be done. Dennis left me with his contact information along with the information for the adjuster who was assigned to my account (her name was Frankie).
On December 10 early morning, Investigator Lewis called my house multiple times back to back until finally leaving a nasty message on the machine. Keep in mind that she is still calling my job as well and harassing my coworkers. I finally answered the phone at 10:45 A.M. That day and spoke with Investigator Lewis. She made a comment that shocked the hell out of me. Her exact words were be prepared to go to jail because I am on the way right now with the police to arrest you and your children will be motherless for the holidays. I told her to come. After I got off of the phone with her, I called Ford Credit and tried to get a-hold of Dennis, but he was not in. I called back and left a message for Frankie on her machine. I called a third time and spoke with a rude and raunchy woman by the name of Kim Rogers. I explained my conversation with Dennis and she said that there were no such arrangements on the account. Then Kim turned around and said well yes there are arrangements on the account but it says that you will be paying $1300 and some odd dollars on the account. I reiterated what Dennis told me and she basically said that I was lying and that if I didn't pay the $1300 immediately she was going to report the car stolen. I told her to go ahead and hung up the phone. I went ahead and made a payment of $850 per my agreement with Dennis anyway.
On December 13 I called and spoke with Dennis at approximately 11:50 A.M. I told him what happened on Friday and he told me to ignore what Kim said and he apologized for her being so rude and unprofessional. He said that he noted my payment and he would defer my December payment. I did not have access to a fax machine so he told me to call him back and he would get the extension faxed to me to sign. About 15 minutes after I got off of the phone with Dennis, Frankie called me. She told me that Dennis can't extend my payment and that he was lying to me and that I needed to pay up an additional $381.36 or surrender the car. I told her I would have to call her back because I didn't have it and would see if I could borrow it.
On December 14 Dennis called me and asked why I hadn't called him to get the extension faxed. I told him I was going to, but I had received a call from Frankie telling me that he could not defer my payment. He said that what she was telling me was not true and he has confirmed with his supervisor that he can defer my payment. He faxed over the deferment and I signed it and faxed it back to him. I called Frankie and left two messages on her answering machine to call me back. Since then I have received several more harassing calls from Investigator Lewis still making threats. She has also called me today December 17 at 10:17 A.M. And she said that she spoke with Frankie and Frankie told her that I am not current on my car loan and to proceed with repossessing the car. After I got off of the phone with her, once again I called Ford Credit and spoke with a representative. He said that the order was canceled on the evening of December 15th and that the account was showing current. Still, I have received no call back from Frankie, but continue to be harassed by Investigator Lewis.
I don't know what type of people Ford Motor Credit employs, but I do know one thing: The customer service that I have received was unacceptable and your people have been down right disrespectful. I am on disability because of stress and your people have stressed me even more. I have noted this fact with my doctor who has placed this in my medical charts. I have not been able to see my child because I am on the edge. Since the start of this ordeal, I have had ample amounts of anxiety attacks, but your people did not consider the fact that I am on stress leave. They also did not consider the fact that I may lose my job due to the lies and deception told by Investigator Lewis. If I lose my job, how am I able to pay for my car then??? I have looked up All-Cal Adjusters and I did see the contract that is submitted in order for them to start the recovery process. It says and I quote This is your authorization to act as our agent to collect or repossess the above collateral. We agree to indemnify and hold you harmless from and against any and all claims, damages, losses and actions including reasonable attorney fees, resulting from and arising out of your efforts to collect and or repossess claims, except, however, as such may be caused by or arise out of negligence or unauthorized acts on the part of you, your company, its officers, employees or its agents. This is why I am writing to you today because not only is All-Cal responsible for their actions, but Ford is as well because I told your people what was going on and about the tactics of Investigator Lewis and still they did not care.
I have letters describing what happened written from various people who have came in contact with Investigator Lewis on the phone. I am also currently seeking legal services on this matter due to damages caused by your company and the company contracted by you (especially if I lose my job behind this matter). I am forwarding this letter along with copies of the tape (s) to the people listed below and to a few individuals not listed. I hope you will address this matter in a timely fashion.
Monique
ONTARIO, California
U.S.A.
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