Consumer complaint received 2022-07-28
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Honda Financial Services has been gouging me for fees since XXXX of XXXX!!! I set this auto loan up and used them to finance it through the dealership XXXX XXXX XXXX in XXXX XXXX for XXXX years. It will be paid mid XXXX. But they keep padding the account with fee after fee after fee, and I think they are committing fraud, as do thousands of others complaining about them online. They have been sued numerous times for such and other bad business practices by the Dept of Justice and CFPB!! Their customer service people are rude and unhelpful, they lie constantly, play stupid then put you on hold and never come back on the phone!!!! I got behind XXXX payment around XX/XX/XXXX due to having to come up with $ XXXX out of pocket for a XXXX XXXX. They have continued to keep my account in the negative, while lying to me and saying each month when I paid by phone, all fees and costs were paid in full each time I made my payment then the next month the have added yet another fee of almost {$50.00} claiming it was from a prior returned check. They are lying!!!! I paid XXXX payments and all fees in XXXX and was told my balance was XXXX yet on XX/XX/XXXX the next due date, when I looked at my account it was already padded with another {$50.00} AGAIN!!!! This has been going on month after month for nearly 8 months now!!!! I have read online others complain of the same and saying they start gouging them this way because they are not making enough money and if turn them down to allow your fee balance to stay on the account to the end of the loan at which time you pay a balloon payment and I am sure lots of interest, then they start trying to find other ways to make money off of you!!!! I only financed for XXXX years instead of the XXXX or XXXX they wanted me to finance the car for!! My payment is {$590.00} mo. They keep adding fees, they won't let me pay my payment online myself, due to a couple of checks being returned, they make me call and then ignore my requests to make corrections for their errors of these excessive fees, they then put me on hold and don't come back. When I called my balance showed the regular payment plus the {$50.00} fee ( about {$50.00} ) then when we hung up, I looked again, and it showed I owed XXXX payments and the fee now!!! They are adding in my payment that is not even due until XX/XX/XXXX to harass me and upset me. I am going to contact a lawyer about a large class action and want the government to also sue them again and fine them!!! I don't have time to deal with them every day I XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are breaking the FCRA and FDCPA and need to be shut down!!!! I have attached my most recent statements and what I could download from their website. I am sure they are trying to keep from setting up the payment as if they can drag it out further, they can add late fees!!! They are also holding on to people 's titles when their cars have been paid off, read online what is going on! 

I want all fees removed from my account NOW, only payments that are due showing, not XXXX payments I don't owe my XX/XX/XXXX payment until XX/XX/XXXX!!!! Right now, I ONLY owe {$590.00} my XX/XX/XXXX, payment which I want them to set up to come out of my account automatically on XX/XX/XXXX!!!! That is why I called but they never helped me. I want all fees reversed and no fees allowed on my account going forward!!! I also want my account set up where I can make my payments online, not by phone!!!!

Company response to consumer: Closed with explanation