Consumer complaint received 2023-04-12
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Honda Financial Services has been giving me a hard time for weeks, they not only illegally tried to repo my car, during an active Covid19 executive order, but have padded my account with additional fees of {$800.00} since I called for my payoff last Wednesday from the bank, I was trying to refinance it at and got a payoff of {$5400.00} by XXXX, he was sarcastic and rude. XXXX also refused to email or mail me the payoff letter, claiming again he could not as my car is in repo status, which it is not because they can not do so per the executive order and law. Both my mother and the banker were there and listening in on the conversation. I was not able to refinance it because my payment on the car note was past due, so my father then decided to loan me the cash to pay it off, he asked me to call to get the payoff. I then called again and spoke with another female agent who would not repeat her name and was very rude, so I could write it down, she refused to give me the payoff at all. I then contacted the Honda Financial Services Corporate office in XXXX, CA, and spoke with XXXX the receptionist, she refused to put me through to the executive office and said she would have a manager contact me within 48 hours and she was rude and disrespectful as well. The manager, XXXX called me late in the day on XX/XX/2023, she was just as rude as the other employees and said my payoff was {$6200.00} but said in an intimidating manner " But it can go up ''. They have all been threatening and intimidating me continually I am a government employee, and this is harassment!! She ended up hanging up on me and refused to acknowledge or follow the executive order preventing repos. She also could not explain why my balance had increased by {$800.00} since last Wednesday and kept trying to get off the phone. I then got a text from XXXX XXXX who is purchasing my car from me and they will pay off Honda Financial Services at that time I am everyone I know who has been loyal and bought their cars since the XXXX will NEVER purchase or drive one of their vehicles again and be done with them, after I sue them for all the harassment, breaking the laws, etc. So they requested a 10-day lean holders payoff letter, so again I called Honda Financial AGAIN and asked for this and spoke with XXXX who was beyond rude, she was flat-out abusive, she continued to be disrespectful the entire conversation, talking over me and raising her voice, refusing to give me my payoff letter, saying my car is in repo status when it is NOT and they CAN NOT REPO MY CAR AS THERE IS A COVID19 EXECUTIVE ORDER IN EFFECT PREVENTING IT!!!!! I told her if she was not going to give me the payoff letter, I would have to reach out to the CFPB, IL Attorney General, and my lawyer again, she said " Well if you have a lawyer and are going to sue us just have them give us a call! '' Like a smart mouth, then kept being very verbally abusive and refused to give me my payoff letter. She then said it looked like today only {$5900.00}! So, I have been given three different payoff amounts in the last week alone!!! I asked her how my balance increased by {$800.00} from last Wednesday until today, one week ago and she said, " Because you are being charged interest daily on the note, the longer you don't pay the more you are going to owe!! '' I got off the call and called the corporate office in XXXX, CA again and talked to XXXX the receptionist and she was extremely rude again and playing gatekeeper and refused to get anyone to help me after telling her all that had just occurred, then she hung up on me, so I called back, and she hung up on me again. So then I called the California Attorney General 's office to let them know I had already filed a complaint with them too and wanted to know where all stood and they mentioned I could also go up to the courthouse and file a small claim against Honda Financial Services, and I can also go to the police station and file a harassment charge and no contact order and will if they do not give you and I the payoff letter, provide it to the company XXXX XXXX  who are purchasing it and pay my note off and send all paid off paperwork and title RIGHT AWAY!!!!! I want copies of all sent to XXXX XXXX, myself, and your office, so we have proof all is done. This is going on with many people and requests the IL Attorney General and FTC file a large lawsuit!!!! You can get a lot more money out of them than I can, and you can also shut them down permanently, they are breaking the FDCPA, and state laws and committing debt collection harassment!!!! I have witnesses to all conversations, and I want the fraudulent {$800.00} removed from my bill and the illegal repo status removed from my account and credit report per my attorney I can and will sue them for not doing so on top of the government doing so and I can gather up a whole lot of people who would be happy to join in who are very upset with them for the same reasons!!!!

Company response to consumer: Closed with explanation