Consumer complaint received 2015-08-29
Company: FIRST HAWAIIAN, INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Hello my name is XXXX XXXX, I am an authorized user to speak with. My partner XXXX XXXX is being harassed, threatened about a fraudulent debt. XXXX is an XXXX in the United States XXXX. XX/XX/XXXX was to be his last payment of {$450.00}. First Hawaiian Bank if accusing him now of owing an additional {$1600.00} due to late fees & interest accrued on those late fees and if he did not pay in full they would tow the car on XX/XX/XXXX. He was offered a " deal '' that he must now agree to pay {$450.00} per month until XX/XX/XXXX. We have proof via XXXX & XXXX stating that since XX/XX/XXXX he has paid on time & as agreed. We also have XXXX statements showing the allotment going out each month. 

Prior to XX/XX/XXXX he had been behind on payments. He spoke with XXXX at First Hawaiian Bank & received a 4 month deferment because he was willing to set up an automatic allotment. His original payoff date was XX/XX/XXXX. With the deferment it became XX/XX/XXXX. He was told upon asking that due to the deferment he would owe no late fees or added interest for the 4 months being deferred. He was also told his payment would not change. XXXX asked XXXX if the allotment which pays out on the XXXX for the military would be alright with his pay dates. XXXX stated it was alright and if there was a problem he would submit the paperwork to fix the issue for XXXX and not to worry. 

XXXX has not heard from First Hawaiian Bank regarding any issues since XX/XX/XXXX when he spoke with XXXX until XX/XX/XXXX. He received no letters at all, no mail, no notices. On the XXXX he started getting the harassing phone calls, even while at work. I believe he is being the victim of a predatory bank simply because he is in the military and stationed in XXXX rather than XXXX. They are threatening his very livelihood and military career as he would lose his clearance level if they repo the car. 

Desired Resolution : First Hawaiian Bank cease and desist with all harassment. Give a formal apology to XXXX. Drop all fraudulent fees immediately. First Hawaiian Bank will honor the original agreement as was put in writing, stating once the allotment was in place XXXX would have no late fees, no added interest, and final payoff would be XX/XX/XXXX in the amount of {$450.00}. First Hawaiian will mark loan as paid in full and release title to XXXX. 

In summary First Hawaiian bank has the original documentation by XXXX stating all was taken care of, the allotment would be fine as it was, keep original payments of {$450.00}, there would be no late fees or additional interest. The loan would be deferred and therefore extended to XX/XX/XXXX the pay off. We have documents from XXXX different credit agencies showing that First Hawaiian reported XXXX as paying on time, as agreed since XX/XX/XXXX after speaking with XXXX and setting up the allotment. We have XXXX statements showing the allotment for the payment. We have received no written notices, only harassing, threatening phone calls. We wish it to stop and for XXXX to pay off his loan XX/XX/XXXX as agreed and be issued his title showing free and clear as well as loan documents stating paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation