Consumer complaint received 2021-10-22
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am submitting this complaint myself without any third party. On XX/XX/2021 my mom brought to my attention my automobile was stolen after noticing it was gone from the driveway. I immediately called the police to report my automobile stolen. The police notified me my automobile was repossessed by XXXX XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, NC XXXX. I rebutted what the police dispatch woman said letting her know my automobile was stolen by that tow company because I own my automobile. I told the dispatch police woman XXXX XXXX XXXX XXXX XXXX, XXXX committed Grand Theft Auto because the company have no possessory rights to my private conveyance that I use for personal, family, and household purposes. The police woman did not let me create a police report and said instead she will have an agent call me to explain. I called XXXX XXXX XXXX XXXX XXXX, XXXX demanding that they give me the repo order and to release my automobile to me without charge. The woman name is XXXX that I spoke with on the phone when I called the tow company. XXXX stated " talk with your finance company about getting your vehicle back '' she also said she can't give me the repo order and to get it from my finance company. This was not a voluntary repossession and I did not allow XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, NC to repossess my private conveyance. I gave AMERICAN HONDA FINANCE CORPORATION a negotiable instrument which made the transaction a credit sale according to 16 CFR 433.1 ( i ) and UCC 3-3104. AMERICAN HONDA FINANCE CORPORATION also d/b/a HONDA FINANCIAL SERVICES sent me a notice in the mail XX/XX/2021 that has the title : NOTICE OF OUR PLAN TO SELL PROPERTY. AMERICAN HONDA FINANCE CORPORATION d/b/a HONDA FINANCIAL SERVICES, and XXXX XXXX XXXX XXXX XXXX, XXXX are in violation of 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, UCC 9-611, UCC 9-612, UCC 9-613 as I have not received any documentation in the mail from no company in regards to my automobile until XX/XX/2021 when I received the NOTICE OF OUR PLAN TO SELL PROPERTY notice. AMERICAN HONDA FINANCE CORPORATION, HONDA FINANCIAL SERVICES, and XXXX XXXX XXXX XXXX XXXX, XXXX are also in violation of 15 USC 1692e ( 4 ) and shall be civilly liable. After carefully reviewing my consumer credit contract I have with AMERICAN HONDA FINANCE CORPORATION d/b/a HONDA FINANCIAL SERVICES also is in violation of 12 CFR 1026 as the right to rescind isn't disclosed in my contract which makes the contract NULL AND VOID. I also found that AMERICAN HONDA FINANCE CORPORATION d/b/a HONDA FINANCIAL SERVICES is in violation of 12 CFR 1002.2 ( a ) an extension of credit. Since opening the account in question XX/XX/2021 I have paid a monthly " bill '' to HONDA FINANCIAL SERVICES online portal using my personal debit card information. All past, present, and future billing statements uploaded to HONDA FINANCIAL SERVICES online portal are billing errors under 12 CFR 1026.13 ( a ) beginning with the date the account opened. The tow company woman I spoke with name XXXX said I have 2 weeks from XX/XX/2021 to get my belongings out my automobile and they will auction it off unless I talk to my finance company about getting my vehicle back.

Company response to consumer: Closed with explanation