Consumer complaint received 2023-11-10
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My car was repossessed a day or two before XXXX at the time of the repo I was in the car, i have a contract with. " Honda Financial Services '', the company that showed up to do the repo the " XXXX trac XXXX XXXX, inc ' I don't understand why my personal information was shared, if its not considered an affiliated third party. { 15 U.S Code 6802 ] Ive also read a couple laws on how legally companies can't collect on dept or use abusive practices to collect dept, 'Honda financial services ' was calling relatives who were not even on the contract, they took it as far to call one of my grandparent acquaintance im on the contract and if I didn't answer it should've been send in writing by mail. { 15 U.S Code 1692 ] [ 15 U.S Code 1692 { f } car repossession was non judicial meaning no court order involved I got out the car by accommodation { 15 U.S Code 1602 } to my understanding of the law this whole transaction since the moment I drove out the dealership, this is a open end credit plan or a consumer credit transaction, I gave the dealership a credit card.meaning I extended my credit to them.

its a retail installment agreement not a loan I recently found this out..I never got cash in hand or deposited to my personal account to pay the dealer, I TRADED in a vehicle. 
HJR 192 { House Joint Resolution ] { public law 73-10 } [ 31 U.S.Code 3123 } I have received bills in the main regarding the dept, Isn't the United States in dept since 1933, you cant pay a dept with a dept the term used is " discharged '' .according to { 31 U.S Code3123 } { a } ' The faith of the United States government is pledged to pay, in legal tender, principal and interest on the obligations of this chapter. { B ] The secretary of the Treasury shall pay interest due or accrued on the public dept.

Retail installment agreement is what is got to my understanding since the beginning is HAD to be a consumer credit transaction. I honestly forgot to write the name of the law for this one but I do know one thing I was never given the chance or opportunity to opt out from sharing my personal information with a third party. { 15 U.S Code 16923 } False or misleading Representation { 4 ] The representation or implication that nonpayment of any dept will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment or SALE OF PROPERTY or wages of any person unless such action is lawful and the dept collector or creditor intends to take such action. { 5 ) The threat to take action that can not legally be taken or intended to be taken. ( 14 ) The use of any business company.or organization name other than the true name of dept collections business or organization, I was told " we are here with the " Honda finance company " I don't have prove of it, it was verbal, I got a letter in the mail stating it was done by XXXX XXXX XXXX XXXX XXXX XXXX ' So what's going on? I did my contract with 'HONDA '' NOT XXXX XXXX XXXX XXXX XXXX XXXX How did they get my personal information with out MYconsent. { 15 U.S Code 1692 ( f ) ( 6 ) taking or threatening to take ANY non judicial action to effect dispossession or disablement of property. ( 7 ) communcation with a consumer regarding a dept by post card.

Company response to consumer: Closed with explanation