Consumer complaint received 2021-12-15
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2021 I sent American Honda Finance Corporation d/b/a Honda Financial Services a tender/money order for special deposit as a non cash item ( 12 CFR 229.2 ( u ) ) in full settlement of the alleged obligation of {$810.00} in accordance with 12 CFR 204.2 ; U.C.C. 3-601 ; U.C.C. 3-603 ; U.C.C. 3-604 ; and U.C.C. 3-311. By XX/XX/2021, my account had not been adjusted in accordance with the tender nor had I received proper notice of dishonor from American Honda Finance Corporation d/b/a Honda Financial Services and had received a second statement stating my payment was late, with a new alleged obligation amount that included a late fee ( individual act against 15 USC 1692f ). Pursuant to UCC 3-603 ( b ), if American Honda Finance Corporation d/b/a Honda Financial Services refuses my tender , American Honda Finance Corporation d/b/a Honda Financial Services must discharge tendered amount. In the event American Honda Finance Corporation d/b/a Honda Financial Services dishonor through nonperformance and nonresponse was unintentional or due to reasonable neglect, mistake, or impossibility, On XXXXXX/XX/XXXX I sent a Notice of Default and Opportunity to Cure and gave American Honda Finance Corporation d/b/a Honda Financial Services the opportunity to send confirmation that my account and open end credit plan had been adjusted in accordance with the tender in full settlement of the alleged obligation sent on XX/XX/2021 or send a proper Notice of Dishonor to allow me to cure any defects. A few days later, I received correspondence in the mail from American Honda Finance Corporation d/b/a Honda Financial Services dated XX/XX/2021 titled Notice of Intent to Accelerate. In the correspondence from American Honda Finance Corporation d/b/a Honda Financial Services titled Notice of Intent to Accelerate, American Honda Finance Corporation d/b/a Honda Financial Services states that if I did not pay the alleged obligation by XX/XX/2021, that they would repossess the collateral. This is an individual act against 15 USC 1692e ( 4 ). American Honda Finance Corporation d/b/a Honda Financial Services can not seize or threaten to seize my property. In the correspondence from American Honda Finance Corporation d/b/a Honda Financial Services titled Notice of Intent to Accelerate, American Honda Finance Corporation d/b/a Honda Financial Services threatens to sell my property after repossession if after repossession I do not pay the accelerated alleged obligation before it is sold. This is an individual act against 15 USC 1692d ( 4 ) and constitutes as harassment and abuse in order to coerce payment of the alleged obligation. Be advised, I, the consumer, am well aware that my rights under Title 15 of the United States Code and supersede any contractual agreement with American Honda Finance Corporation d/b/a Honda Financial Services.

American Honda Finance Corporation d/b/a Honda Financial Services is civilly liable for the damage I, the consumer, have sustained as a result of their violations of my rights.

Company response to consumer: Closed with explanation