Vehicle loan or lease -- Problems at the end of the loan or lease -- Complaint #18876300
Complaint Overview
Complaint ID: 18876300
Company: Ford Motor Credit Co.
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Problems at the end of the loan or lease
Sub-Issue: Unable to receive car title or other problem after the loan is paid off
State: South Dakota
ZIP Code: 575XX
Date Received: 2026-01-20T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Ford Motor Credit Company cancelled and discharged my auto debt and issued IRS Form 1099-C declaring cancellation of the debt in the amount of {$48000.00}, with an identifiable event date of XX/XX/XXXX. The account was charged off and closed, and no repossession or enforcement action has ever occurred. Despite cancelling the debt and reporting it as discharged to the Internal Revenue Service, Ford Motor Credit Company continues to retain and assert a lien against the vehicle title. This prevents lawful sale, transfer, or clear ownership of the vehicle. The vehicle has remained continuously registered and lawfully operated in the State of South Dakota, including registration renewal in XX/XX/XXXX, without any repossession or enforcement by Ford Motor Credit Company. Ford Motor Credit Company has no lawful basis to retain a lien after cancellation of the underlying debt. Continued retention of the lien constitutes wrongful lien retention and unlawful clouding of title. I have submitted a formal written demand for lien release and delivery of clear title to Ford Motor Credit Company, but the issue remains unresolved. I am requesting immediate release of the lien and delivery of clear title.
Frequently Asked Questions
What is Complaint #18876300 about?
Complaint #18876300 was filed against Ford Motor Credit Co. regarding Vehicle loan or lease specifically about Problems at the end of the loan or lease. It was received by the CFPB on 2026-01-20T12:00:00-05:00.
How did Ford Motor Credit Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Ford Motor Credit Co.?
Yes, visit the Ford Motor Credit Co. company profile at readthecomplaint.com/company/ford-motor-credit-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.