Consumer complaint received 2022-08-10
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am filing this complaint regarding my Damage Claim Under ready unfair Restraints of Trade and Unlawful Monopolization of Trade, Title 15 1 & 2, All antitrust laws, and the Federal Tort claims Act. This Claim and all supporting documents will be forwarded to XXXX as well. the SF-95 is attached to this complaint. 
In the early hours of Monday XX/XX/XXXX America Honda Finance Corporation d/b/a Honda Financial Services ( XXXX XXXX XXXX XXXX  # XXXX ; Commission # XXXX ; XXXX XXXX ) stole my private property that I used for personal, family, and household purposes. My property was stolen by a nonaffiliated third party, XXXX XXXX XXXX XXXX XXXX who received my nonpublic, private information from AHFC in order for them to steal my property for AHFC. I did not consent to this nonaffiliated third party having my nonpublic information. Prior to AHFC stealing my property, I had been disputing the validity of the alleged debt they claimed I owed to them since XXXX XXXX XXXX 

On XX/XX/XXXX, I consummated a consumer credit transaction with AHFC to acquire a XXXX XXXX XXXX with my consumer credit. The transaction should have been completed and ended between myself and AHFC the moment I autographed the credit application and promissory note on XX/XX/XXXX, allowing AHFC to initiate their securitization process with said documents containing my autograph. 


When I consummated the consumer credit transaction on XX/XX/XXXX, It was not clearing and conspicuously disclosed to me exactly what I was autographing. As a result, AHFC was able to manipulate me into thinking I owed them monthly payments of {$460.00} Federal Reserve Notes for 20 months before I learned for myself the true nature of the transaction and both mine and AHFCs roll in the transaction. AHFC acted in the capacity of a debt collector as defined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692a ( 6 ), and used false and misleading representations defined in 15 U.S. Code 1692e ( 2 ) ( A ) In total, I overpaid {$6500.00} to AHFC due to their negligence and lack of disclosure in regards to the true nature of the transaction. 

On XX/XX/XXXX, I mailed by notary public in the state of Texas, a Validation of Debt request pursuant to 15 U.S. Code 1692g as well as a Cease and Desist. After the 30 days given to AHFC to provide the Validation of the alleged debt, AHFC did not respond to these documents. I filed four Consumer Financial Protection Bureau ( CFPB ) complaints ( # XXXX ; # XXXX ; # XXXX ; # XXXX ). AHFC responded in correspondence dated XX/XX/XXXX Re : Account ending in XXXX. My account ended in XXXX. How can I be sure AHFC is taking care and consideration of my concerns when they are not even acknowledging the correct account? In said correspondence AHFC employee XXXX XXXX claims AHFC is not a debt collector under the FDCPA and therefore AHFC does not have a legal obligation pursuant to the FDCPA to cease and desist from future communications or to validate [ my ] account. However AHFC included with their response an alleged copy of the contract as well as the payment history on the account. As I explained above, the over-payments were made due to AHFCs manipulation and lack of disclosure. The alleged copy of the contract they provided to me is different from the promissory note I autographed on XX/XX/XXXX. Both the original promissory note I autographed on the XX/XX/XXXX and the Customer/Truth In Lending Copy of this note that I took home with me only contained my autograph. The copy AHFC sent with their CFPD response contains an unauthorized signature that I was not present for. Whos signature is this and why was I not present when it was signed? Why was I not sent home with this copy? Why is this unauthorized signature apart of my transaction? 

On XX/XX/XXXX, I mailed by notary public in the state of Texas a Notice of Billing error regarding several errors found in the Truth-In-Lending Disclosures of the promissory note from XX/XX/XXXX. I asked for documentary evidence regarding the account so that I could better understand the amount they claimed I owed, AHFC did not respond to this notice. 

On XX/XX/XXXX XXXX stole my property, hindering any financial opportunities for myself, and leaving me with no way of providing for myself and my family. I was XXXX months XXXX at the time and left with extreme stress and anxiety wondering how I was going to eat and provide for my family. I filed an OCCC complaint, Attorney General complaint and a CFPB complaint that day. In their CFPB complaint response dated XX/XX/XXXX, they again refer to an account ending in XXXX. In their OCCC complaint response, AHFC says my property was sold at auction for {$25000.00} on XX/XX/XXXX. 

On XX/XX/XXXX I opened an arbitration case against AHFC, but had to withdraw the case as I needed the filing fee refunded to provide for my XXXX XXXX. 

I disputed the damaging information reported to consumer reporting agencies both with the agencies as well as AHFC over the last several months. AHFC has since removed the information as of XX/XX/XXXX. Which leads me to believe they know the account was fraudulently reported in the first place.

Company response to consumer: Closed with explanation