AMERICAN HONDA FINANCE CORP

2018-03-11

VA

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: I have problem with Honda financial services I paid to cars from two different account first one the older is Honda crv 2012 account still open and making payment every month. The second account it's Honda accord 2016.honda financial services thay took the the from because iwas behind sixty days for my payment. They have the car since XX/XX/2018 more than a month and still the account is open and it's affecting my credit report and my credit score it's not fair please resolve this issue for me I am not able to do anything. Thank you very much for your help. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-10

San Jacinto, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Complaint: We have a car loan with XXXX XXXX XXXX back XXXX of XXXX. The car was involved in a total rec accident. Honda Financial had paid insurance and gap insurance. This all happen when when I lost my job during this time, I was having some hardship financially so I missed payments in the process before and after the accidents of the car. The insurance and gap insurance was totally paid off. now it's just my deductible {$1500.00}. during this time I did not have a current job as of yet. I ask Honda Financial to give me 60 days or make payments in range of 2-3 months, they refuse my and did not understand my situation. I finally got to payoff the car after 2 months of missing this dates that affected my credit history. in XXXX of XXXX I was able to settle the and pay the full amount to close this Auto Loan account. Now that I've been trying to get my credit established this is showing on my history. If you could please help me dispute this record to be taken off since this is already been paid off. Thank you -XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-09

Lorton, VA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Closed with explanation

Timely Response

2018-03-08

Dallas, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/XXXX, I received an email from American Honda Financial about a pending loan application. I became alarmed and clicked on the link and was advised to click on another link if I DID NOT authorize the app. I did that, but nothing happened. On this morning, I was alerted by XXXX that my report has been pulled for Honda Financial. I did not authorize this and I do not want this inquiry on my credit.
Company Response: Closed with explanation

Timely Response

2018-03-08

Arco, CA

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: XX/XX/XXXX American Honda Finance On XXXX XXXX, I requested written verification of an alleged debt Acct # XXXX .... This account may have some errors, check out the Number, payment status and high credit and if anything wrong is found please fix or omit it. that American Honda Finance claim I owe, but to no avail did they validate the date or even responded. I would like to request your help with a problem that I am having with American Honda Finance on XXXX XXXX, I requested a verification of debt from American Honda Finance . I have yet to receive a response in what was asked for- their silence is their agreement to the facts. American Honda Finance failed to provide me with a legal verification of this account under the rules of evidence and I am demanding that American Honda Finance delete this account from all credit reporting agencies ( XXXX, XXXX, XXXX ), because they have not abided by the laws of the Federal Trade Commission. 1. 1681s-2b a. FCRA investigation and fraud affidavits Does furnisher conduct a reasonable investigation in response to an ACDV if it asks the debtor to provide a fraud affidavit or a police report? Answer. No. A consumers refusal to fill out police report or fraud affidavit does not impact the furnishers duty to conduct a reasonable investigation. See XXXX v. XXXX XXXX XXXX. XXXX, 696 F.3d 611 ( 6th Cir. 2012 ) The text of of 1681s-2 ( b ) does not permit furnishers to require independent confirmation of materials contained in a CRA notice of a dispute before conducting the required investigation. The issue is whether or not the Defendants actual investigation was reasonable, and not whether it was reasonable for Defendants to have an optional, more thorough review available to the Plaintiff if she would provide them with information they should already have had or prove to them that she was indeed dead. 1681s-2 ( b ) does not specifically permit information furnishers to demand further documentation from consumers before conducting an investigation. b. If a consumer disputes information with the CRA, both the CRA and the furnisher have a duty to reasonably investigate and verify that the information is accurate. 15 USC 1681 ( a ) ( 1 ) ( A ), 1681s-2 ( b ). XXXX XXXX XXXX XXXX XXXX Also, American Honda Finance failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after " American Honda Finance15025 .... '', furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Please enclosed Proof FTC LETTERS and American Honda asking for identification ( violation ) of social security #, ID, etc. to verify debt, in which If placed on my personal credit reports should already have. I will be turning this over to FCRA national attorney for FCRA violations if not removed.
Company Response: Closed with explanation

Timely Response

2018-03-08

Rincon, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-03-08

CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I paid off my American Honda Finance account in XX/XX/2017 as obligated. The company placed a late payment of 30, 60 or 90 days when that was not the case. The disparaging information works to my detriment. I am requesting that American Honda Finance immediately remove the negative reporting from my XXXX records.
Company Response: Closed with explanation

Timely Response

2018-03-07

Austin, TX

Managing the loan or lease

Vehicle loan or lease: Lease

Billing problem
Complaint: I called American Honda Finance on XX/XX/2017 tonask for a special payment plan because Inwas in between jobs and I needed assistance. The representative stated that I qualified for a special payment plan since I had a great payment history for the past 2 in a half years prior. They asked me if I wanted to initiate this special payment plan and I agreed and said yes. This special payment plan allowed me to bypass two months of payments. They then mentioned they would temporarily remove me off of easy pay and to call back a month later in XXXX if I wanted to get back on easy pay. Only if I had the means to make a payment. I received no calls or no notifications that my payments were late because To me they representative stated I would be on the special plan. I then call back in XXXX to make sure everything was well and was going okay and they informed me I was behind on my payments! I asked why if I was on a special payment plan and they stated that I never initiated the payment plan! I stated that I did because I really needed it and they denied it so now my credit score went down 54 points!! They dropped the ball because they told me to call back if I wanted to get my on easy pay and they stated that they told me to call back to initiate payment plan which is false because I needed the special payment plan to go into affect immediately starting when I called!
Company Response: Closed with non-monetary relief

Timely Response

2018-03-07

Cooper City, FL

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: AMERICAN HONDA FINANCE View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 30 days two or three times Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$19000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** CO-SIGNED FOR THIS ACCOUNT. I WAS NOT ADVISED OF THE NON-PAYMENT OF THIS ACCOUNT. Comments - Contact Information XXXX XXXX XXXX XXXX, GA XXXX
Company Response: Closed with explanation

Timely Response

2018-03-07

Aber Prov Grd, MD

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-03-05

Austin, TX

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with fees charged
Complaint: I called American Honda finance back on XX/XX/2017 to ask for a special payment plan because I was in between jobs and I needed help. They stated that I did qualify since I had such a great payment history for the last 2 in a half years. They asked me if I wanted to initiate this payment plan and I said yes. Then they said they would temporarily remove me off of easy pay and to call back in XXXX to add me back on easy pay if I wanted. I then call back in XXXX to make sure everything was well and going okay and they mentioned XXXX behind 2 months! I asked why and they said i never called back to initiate the payment plan! My credit score enemy down XXXX points!! They dropped the ball because they asked me to call back if I wanted to get back on easy pay plan. I never said not to initiate the special payment plan!
Company Response: Closed with non-monetary relief

Timely Response

2018-03-05

DE

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I am a cosigner on a loan where my son is the primary account holder through American Honda for an auto loan. This was opened in XXXX of XXXX. Recently I discovered in XXXX of XXXX that American Honda reported to my credit report that the payment was 30 days late in XXXX of XXXX, 30 days late in XXXX of XXXX and 60 days late in XXXX of XXXX. American Honda contacted me via phone on XXXX XX/XX/XXXX and informed me the payment was late. The account was brought current on the same day. American Honda did not attempt to contact me in the months prior, when it was known the payment was late. I did not have contact with my son at the time who holds primary responsibility for the account to know that the account was past due. I called American Honda numerous times after discovering they reported on my credit to try for a resolution to have the 3 late payments in XXXX, XXXX and XXXX of XXXX removed. I feel these should be removed from my credit report since the company did not give me fair and proper notice the payment was late thus giving me time to bring the account current on the spot.
Company Response: Closed with explanation

Timely Response

2018-03-05

Anaheim, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2018-03-02

Jersey City, NJ

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: I have purchased and leased 4 vehicles with Honda Financial and at lease termination I would purchase the vehicle. I sent my monthly payments as contracted and never paid late or missed a payment. As I was now at the end of my 4th lease year, and I decided to make an extra payment. I clearly stated that I wanted the extra payments to go to principle. Honda even made me verfity this with a second phone call. However, I was not given a new amortization chart because of the additional payments. So I thought it was an error. I called the company and was informed that they would not change the interest that I was to pay on the loan even though I paid in in advance. I could however take a month off or miss a payment month. I think that was illegal. To add insult to injury, they acted like I was too XXXX to know what I was talking about. So I requested a supervisor and was told that I had to wait for someone to call me back, and that it could take 24-48 hours..I wanted them to lower the payoff amount by the princple balance, not by they contract interest they prepared 5 years ago/ Isn't that illegal? don't I have the right to get a fair deal? Are they taking advantage of an ederly person? When they finally called me back, they informed me that they would record my call, but when I also informed them that I would also record the call, they told me they did not agree and promptly hung up on me. Why? What are they afraid of or lying about?
Company Response: Closed with monetary relief

Timely Response

2018-03-02

Foothill Ranch, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem while selling or giving up the vehicle
Complaint: when I sign up to buy the car under financing and 2 month later I found out they put me into leasing. for two year and take my down payment in to initial payment for the lease ...
Company Response: Closed with explanation

Timely Response

2018-03-02

Artesia, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-03-01

Rochdale, NY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Back in XX/XX/XXXX I leased a Honda I paid the payments on time & returned it in XX/XX/XXXX, its now on my credit report & has me owing {$5200.00} I reached out to all 3 credit bureaus & advised them of the inaccurate information, XXXX Removed this account & few months later its back on my report
Company Response: Closed with explanation

Timely Response

2018-02-26

East Rockaway, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX XXXX. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to American Honda. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.
Company Response: Closed with explanation

Timely Response

2018-02-26

Rockaway Beach, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-02-25

Prattville, AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-25

Bridgeport, CT

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: the car was taken away because of limit information when purchase from the dealer
Company Response: Closed with explanation

Timely Response

2018-02-24

South Florida, FL

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with fees charged
Complaint: My father whom is XXXX, has an auto lease with Honda Financial Services that is coming to an end and wants to pay off the car to keep it. He was instructed in their XXXX that he can do the pay off at a Honda car dealership. The payoff amount is {$13000.00} which includes sales taxes and any possible fees. I arrived at the dealership in the middle of the transaction where they were charging the payoff amount of {$13000.00}, sales taxes of {$910.00} ( which is already in the payoff, ) dealer fee of {$790.00} and title registration of {$490.00} - for a car that already has a registration. Fortunately, we were able to stop the transaction. In addition to elderly abuse, this is clear deceptive, unfair and fraudulent practices of Honda Financial Services and their dealerships. I contacted their XXXX line and the representative mentioned that this is normal practice and the fees are " customary. '' The dealership is XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX.
Company Response: Closed with explanation

Timely Response

2018-02-21

Wallington, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I voluntarily gave the car back because they said there would be no ending balance because they were going to auction off the vehicle.
Company Response: Closed with explanation

Timely Response

2018-02-21

Washington, DC

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem with paying off the loan
Complaint: This is not a duplicate filing. XXXX continues to misapply XXXX 47-2201. On XX/XX/XXXX I initiated a lease with America Honda Financial for a XXXX XXXX XXXX. As part of the acquisition process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. In XX/XX/XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX I had to request a change in the title to reflect the new address. When Honda processed the title change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. XX/XX/XXXX has taken this 10 % each month from my payments, which has renedered my account past due. In correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, regarding CBPB Complaint # XXXX American Honda Finance replied : XXXX has completed a thorough review of XXXX Code 47-2201 and has found that XXXX is correctly assessing the tax on each monthly payments, not the value of the vehicle or a lump sum payment of the vehicle. XXXX XXXX Office of Tax and Revenue does not state in their statutes or codes that reciprocity applies if a resident has paid upfront taxes to another state such as XXXX XXXX. However, Page 4 of XXXX Code 47-2201 clearly states : Purchases subject to the use tax For purchases subject to sales tax on which a sales tax has not been paid to the District or another jurisdiction in the US or to a US territory, see the applicable 5.75 % rates. Rules for reporting use tax You must report the cost of all personal property and taxable services used or consumed by you in XXXX on which sales tax has not been paid to any state. This includes the costs of items purchased under a XXXX Certificate of Resale ( OTR-368 ) and withdrawn from stock for personal use or for use in the conduct of your business. Exempt and/or nontaxable use tax The use tax exemption is the same as the sales tax exemption. Also exempt are purchases on which a sales tax has been paid to th e District, or another tax jurisdiction in the US or a US territory. Contrary to XXXX co ntention, XXXX Code 47-2201 clearly states that for taxes are waived when taxes have been paid in another jurisdiction. A lease initially delivered to a leasee residing in the district is subject to such tax. However, in this case I relocated to the district after having paid the applicable sales tax in XXXX XXXX. Please resolve this issue ASAP. All taxes collected and corresponding late fees should be refunded immediately.
Company Response: Closed with monetary relief

Timely Response

2018-02-19

Warren, RI

Incorrect information on your report

Vehicle loan or lease: Lease

Account status incorrect
Company Response: Closed with explanation

Timely Response