Consumer complaint received 2016-09-21
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Honda Financial Services has repeatedly ignored my requests to provide documented signature proof validation and verification of an alleged Charge-off debt from XX/XX/XXXX per the Fair Debt Collection Practices Act FDCPA 807. Thus, Honda Financial Services has repeatedly violated the law by reporting false or misleading representations per [ 15 USC 1962e ] by not providing this proof to the CRA 's and me, the consumer, when requested. I have made numerous disputes since XX/XX/XXXX directly with each of the credit reporting agencies ( CRA 's ) to provide me verification of signature proof of an alleged debt for {$5800.00} recorded as a Charge-off and Repossession on my CRA 's. The CRA 's ( e.g., XXXX, XXXX, and XXXX ) have repeatedly stated the debt was verified with them without any documented proof given to me per [ 15 USC 1962e ]. Each of the CRA 's eventually stated that I must dispute directly with Honda Financial Services, and that " there is nothing we can further do, '' when spoken to directly, in this case XXXX. 

Thus, I sent a certified return signature receipt letter to Honda Financial Services on XX/XX/XXXX ( attached herein this complaint ). I received a response from Honda Financial Services on XX/XX/XXXX ( attached herein this complaint ), no return signature receipt which I had to pay extra for, requesting that I instead provide Honda the validation of the debt, directly implying that Honda has no obligation to provide me, the consumer, any validation of a debt record it created in the first place to report to each CRA. This was again illegal. As shown in my letter of XX/XX/XXXX I provided an account number for the alleged debt, my name, address, and social security number. As one can clearly read in Honda 's response letter of XX/XX/XXXX, it is asking me for this same information as well as a VIN # for which Honda clearly has in its records but did not feel like searching its own database to secure this information or documentation. Under the law, if Honda Financial Services has signature proof it must provide it to consumers upon their request to verify any reporting of an alleged debt. Honda failed to do this under the law. 

A second certified return signature receipt letter was mailed to Honda Financial Services on XX/XX/XXXX ( attached herein this complaint ). Again, Honda failed to comply under the law and sent me the same response letter dated XX/XX/XXXX, no return signature receipt as was required of Honda, and failed to comply with the Fair Debt Collection Practices Act FDCPA 807 and [ 15 USC 1962e ]. As I stated in each letter to Honda Financial Services, I warned it that I would be reporting Honda to the FTC, Attorney General 's Office in my state, and or file suit against them along with a public press release regarding Honda Financial Service 's behaviors and actions in this matter. Apparently, Honda Financial Services does not take me seriously. In addition to this formal FTC complaint, I will be publishing a Press Release which outlines the illegal behaviors, actions, and practices of Honda Financial Services. 

If Honda Financial Services can not provide me any signature proof validation and verification of this alleged XX/XX/XXXX Charge-off and Repossession it must by the laws stated herein this complaint have it deleted IMMEDIATELY with each of the CRA 's the debt is reported to -- end of story. If I do not receive remediation in this matter per this FTC complaint I will be filing a small claims lawsuit to force Honda 's hand.

Company response to consumer: Closed with explanation