Ford Credit was amazing to work with! Several years ago, I NEEDED a car. I only had one which got me to work & my kids to school but mine had died.. First of a they approved me after I'd just gone through a divorce with messy financial issues. Even with a better rate than my bank (if they would've approved me, which they wouldn't). Then a few years into the loan, being a single mom, being furloughed (govt worker) resulting in pay cut, Ford was exceptional & extremely understanding when I was having difficulty making payments some months. They gave me options, even letting me skip a month when I didn't think I'd be able to buy my kids Christmas presents! I've often said I wouldn't go anywhere else & now that I'm looking for a car again, there's no question where I'll go!
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There is nothing good I can say about ford credit. I had so many bad experiences with them I've just decided to pay off my car instead of being stuck with them for 2 more years. I ran into various payment issues like autopay failing to do its job. When stuff like that happens, they don't contact me directly. They contact my brother(who was also on the account but is secondary since this is my loan). I've tried to get them to contact me(or the both of us if they want) instead but that never happened. And when autopay doesn't go through(I set it up correctly), they wait until a few days before next month's due date to blow up my brother's phone nonstop. The last rep I called was not only useless, but also condenscending even though the problem did not come from my end. They'll say it's your fault no matter what. If you have their loan, you're aleady stuck with them. Cusotmer service is a joke.
Calls pretty much are like this, Rep: You......, Me: No I didn't, Rep: Our syste showed that you.... Me: No I didn't, I did this this this, Rep: (My action)That's not showing up in our system.
I'm 25. My memory is fine. I know how to make simple car payments. I don't understand why there are so many issues. It's stessful. I make payments manually every month and have to log in days later to check and make sure the payment is received.