Consumer complaint received 2023-09-01
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
In XXXX I went to Honda XXXX  in XXXX to purchase a vehicle with my social security number as I entered into a consumer credit transaction and not a loan and they let me leave with the property and they placed me with a lender on record Honda Financial Services, I signed the one sided agreement, that i thought was binding contract and i find out now it was not at all. Honda XXXX used false and misleading and deceptive forms to lead me to believe i needed to bring in cash for a down payment to obtain the loan. Well, mixing cash and credit is against the law and is illegal. I ended up not having to give a cash down payment. They also failed to disclose and provide me with the proper disclosures that are required by law to explain the reason for me extending my ss #, they failed to disclose that by law I have 3 days to rescind the contract. They gave me some fraudulent disclosure that if i wanted to cancel, I had two days and I have to pay a restocking fee and that needs to be paid in cash. That is false and misleading, they also made me obtain my own insurance before I left the dealer. in this retail installment agreement is a truth in lending disclosure and according to the law, under the truth and lending act a finance charge is to include a sum of all charges. ALL CHARGES. Why did I have to obtain my own extra insurance? They also failed to disclose how and why they need my social and federal law states in a consumer credit transaction, the dealer is to give me the option to run my credit or not. They failed to do that too. I also asked that they only run my credit only one time. my consumer report shows they ran it 3 times, that is fraud. the credit report is PROOF that the dealer was paid and I never received my benefit and the credit report is proof of receipt. they are full of fraud. I am the natural person and I am the only true creditor in this consumer credit transaction. I also know that they placed my alleged loan with Honda Financial Services. and I have the DMV form showing I am the rightful owner. A few days later they called and called and said i need to bring my property that was already paid for back as they can not place me with a lender. That is a scam. They did dealer fraud and engaged in a spot loan. They said i needed to pay for the car in full again or bring it back. I did not as the property was already paid for with my signature on the application. I also sent in a negotiable instrument for the full amount, which is a legal form of tender, and I paid it again. They accepted my certified mail as I received the returned green receipt. If they open and accept my package them they accepted payment. They called me and sent me back the NI but it had been ran through the system and then tell me the form of payment is not accepted. They are fraudulent. I asked for a complete full account ledger copy of the history of account for the on and off ledger. They have yet to provide what I have been asking. Honda XXXX called me and harassed me using unfair debt collection practices and furnished my information to non public 3rd parties without my written consent to a private investigator to intimidate me and they called all my family and again without my written consent, that is fraud. They also sent another 3rd party that i have no business with and no contract and gave my information personal information to a tow company and again i have no idea who they are and why they want to steal my property. I did not consent and my cousin was in the property as we are leaving to work and I was able to get the tow company to release my vehicle and the tow company was not going to steal it after all as they can't because it is not theirs to take nor does the property belong to Honda XXXX or anyone else but me. I have the DMV papers that show I am the owner and next thing I know theres two peace officers that show up without my consent again and the deputies said they came to keep the peace and yet they participated in crimes, which are against the law. The dealer i guess furnished my information again to have the police come to scare me and cause me harm and damages and they participated in BREACH OF THE PEACE and they also extorted my cousin and said if he does not exit the vehicle, he was going to arrest him. That is against the law too. The officers acted out of their capacity and when my car was dropped and released from the tow truck, the police told the tow guy to steal and take my property. THAT IS ILLEGAL. I need a copy and verified proof of visible evidence that I provided written consent for HONDA to furnish my personal information to any non public third party. I have yet to receive that evidence. So, now we have damages and I want to have you CFPB do and conduct a reinvestigation and make sure it is a thorough investigation and I need my demands to be met. I am tired of these lousy investigations that have been done and my case closed because you receive some computer generated unverifiable proof and you say it has been validated and yet it was not done accurately and to the best of your ability. I have a lot of violations that these criminals are liable for. I need your help to make sure this debt and crimes upon me are legal and true. I need you to get on these persons to prove they gave me a loan and not a consumer credit transaction. I need evidence that my credit card did not satisfy and pay the debt in full. I have placed complaints with the LASD and sub station for id theft and extortion and damages as my property was stolen and without my consent. I do not want this complaint and case closed until i get what is owed to me and i receive my stolen property back according to law they owe me my benefit, and now theres fraud involved and ID theft, HONDA, AMERICAN HONDA FINANCIAL SERVICES are required to provide me with a check for the amount of the loan, damages, and the property value x 3 of their fraudulent and deceptive practices. If there is any violations with the fraudulent contract then, I am to collect 2x the finance charge per violation ( under truth and Lending ), and I get to keep the property because the contract was fraudulent and it is null and void. Plus they have already been paid. I need cfpb to do their job and go after these criminals and have my property returned and collect my check and monetary relief sent to me in a reasonable time plus they owe me for my damages and violations and if i need to sue them I will. I am also going after XXXX XXXX XXXX XXXX and they are in the process of my investigation because I have been violated and the fraud they have done to me is not ok. I have attached some of the violations Honda, HFS, XXXX, Tow company, and the PI have committed. I have the right to exercise my rights and I also filed a dmv complaint because someone stole my identity and had the dmv lift my information without my written permission to change the title of the vehicle again without my consent. I NEED this handled as since XX/XX/XXXX, theres damages/ harm, injury to me every single day that goes by without my property. This is an invalid and illegal contract and what they have done is not okay and they need to come clean and pay for the crimes and damages. Theres no such thing as a loan because there is no such thing as a borrower. I DEMAND THAT YOU MAKE SURE THESE CORPORATIONS ARE HELD LIABLE AND ARE RESPONSIBLE FOR THEIR FRAUDULENT ACTIONS. I am a victim and I need proof that I am responsible for this bogus LOAN. I entered into a consumer credit transaction and I need this to be resolved and properly and accurately reinvestigated as I am the consumer and original creditor. If not then THEY MUST PROVE with verifiable evidence I am not. 

It is time to collect my money and I am going to hope they realize all the problems, fraud, and crimes they have participated in. I'm not going to let this go as someone and all of these people have to pay me what i deserve and what I am owed and nothing less. 

I need everything in this matter to be addressed accurately. I'll give you all one more chance or I will take this case to the federal court. Let 's go!!!

Company response to consumer: Closed with explanation