Purchased a Ford Edge, 2016 and financed through Ark Financial. From the moment I have been with them, beginning 6/23/2023, they have been extremely horrible in assisting with solutions. Such as, my payments are always exactly 1 week behind because they will not work with me and adjust the week, so like clock work i make a $239 payment every 2 weeks, just on the opposite week from what they want. I have asked several times and they tell me they will not adjust it. Ok, cool at some point i will get it flipped around myself.
Now fast forward to current circumstances, I take my Edge to get the oil changed, as the car has now promoted for it to be done, nothing out of the normal is happening with the car, drives fine, just says it's time for the change, so i do it. The mechanic tells me that there is coolant in my oil, i ask if he can still do the change and he says yes. Also refills my coolant. This is on a Sunday, know ing better, i still try to call Ark. They are closed so i call first thing the next morning. I get ahold of Esmeralda, i tell her what is going on, she tells me we will send a truck to pick it up, i explain to her that i work and i need the time to be scheduled for the pick up, She then tells me to just leave the keys in the car and leave the door u locked and the tow truck driver can just pick it up. I responded a bit shocked that she would advise that, I told her no, I do not feel comfortable doing that and i'd rather be here when they come to get it. She told me ok, then said the tow truck company will be in contact with me, after a WEEK of back and fourth with the tow truck company, that is an entirely different mess, finally the following Monday morning the tow truck comes at 830am to get the Edge. Ok, the repair shop that the car is being towed to. is about 30 mins away from my home, I don't hear anything for about 3 days and so i call Ark. No answer, this happens A LOT. I get through to the payments department and explain to them that i need to be in contact with the service contract department, No answer. I call the repair shop myself, come to find out they did not get my car until Tuesday, 24 hrs AFTER the car was picked up from me. Concerning as well. Ok now i spend 4-5 days back and fourth trying to get this resolved, time and time again, esmeralda has told me she will update me, then i end up talking to a different woman, neither of them express any sort of empathy, just horrible attitude. Ok fine, after about 2 weeks i finally get an answer, first the heads need replaced one day, and now two days later there is water in the engine and the engine needs replaced and i am responsible for it, even though i have the service contract with them that is supposed to cover these kinds of issues, but because i have put 12000 miles on the car, service contract is 24,000 miles, but due to not doing an oil change after driving it for 3-5000 miles and waiting for the car to notify the oil change is due, i am now responsible for the engine. I have to pay up front before they will give the car back to me, or they will repossess the car on the grounds of negligence. I have had the car 5 months now... I ended up financing with this company because i am not in a position to just buy a new car, or go to an expensive dealership for help, but im a good customer, I have kids also and have been in a rental car for a week now and they won't even help me with that. This is insane and i have never had this kind of experience. These are truely horrible people. This is terrible to do to someone. Not even an option to wrap the charges into the loan, if i had 4,000 in my hand I would go and finance a better car. Instead if i do not take care of the engine and they repossess it's my debt to pay either way. 18,0000 for this car for 5 months. read more