Consumer complaint received 2022-05-24
Company: AMERICAN HONDA FINANCE CORP
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
American Honda Finance ( AHF ) continues to report incorrect payment information illegally, and maliciously on my account in a retaliatory nature, due to me having previously filed a XXXX  complaint. In XX/XX/XXXX, no payment reflected due as of XX/XX/XXXX and the only payment due for the XX/XX/XXXX payment was showing as due at the time. Due to COVID and having paid numerous payments on time, it appeared the account received an extension which numerous other creditors have done automatically. AHF had my incorrect phone number, which was done so at account opening when I qualified for in house financing and my information was entered, showing my phone number off by one digit as identified in the personal information section of my XXXX credit report. I was notified on XX/XX/XXXX via XXXX XXXX monitoring, that I had been reported 30 days late for XXXX payment, which should not have been the case, as no payment ever reflected in the system as being due. ( Screen shot provided directly to AHF ), who knows that their system was defective, reflecting incorrect information and continuously refuse to take accountability for their system error and correct the account status/history. 

They reported the account 30 days late only after realizing there was a mistake in their system, instead of deferring XXXX payment to the end of the loan which would have shown the account current. Instead, they retroactively made the payment due, causing me to have to make a double payment in XXXX, as I was hoping they would do the right thing, which is why I held off on making XXXX payment. Beginning XXXX, I made numerous calls to customer service, and I was cursed at by several customer service agents when I called and attempted to speak to a supervisor, and was told by a representative of AHF, that I was not the only person who experienced the same issue. I was also told by another representative, that his supervisor WOULD NOT HELP ME. I was refused the appropriate information to attempt to file a dispute in efforts to delay my ability of contacting the right department of who could aid in rectifying the problem which was a malicious action to maintain their inaccurate reporting. 

Per the CARES Act, a creditor may not report an accounts payment history as late if they assessed a credit to the late payment that was previously assessed. I received a late fee reversal for XX/XX/XXXX, which shows some ownership of them identifying that there was a problem ; however, the entire payment should have been adjusted to the end of the loan as I would not have known there was a system error at the time of log in. AHF continues to report in XX/XX/XXXX, that I was 60 days late, of which should not be reported that way, as XXXX per the CARES ACT can not be reported as late. As of XX/XX/XXXX, AHF has reported for the last several weeks, that XXXX XXXX payment was 30 days late, which is impossible, as XXXX calendar days had not even passed yet. This is an example of their continued malicious, illegal, and intentional incorrect retaliatory reporting of the account history. 

As of XX/XX/XXXX, I spoke with a representative XXXX, who advised the account was 28 days past due ; however, AHF had already reported the account as 30 days late for the month of XXXX for the last several weeks. There is no balance history information reported for XX/XX/XXXX, as the payment was made jointly with XXXX in XXXX. The balance history is incorrect as XXXX XXXX payment was also never 30 days late. AHF refuses to accurately and without malice and retaliation, report my information correctly. Additional months showing past due in the payment system, show when two months are reflecting in the account, it will include for the current due and new months bill, which is exactly what XXXX DID NOT show. As of XX/XX/XXXX, only one months payment ( current ) of XX/XX/XXXX was showing as a due payment and was later changed when they figured out there was an error.

Company response to consumer: Closed with explanation