Consumer complaint received 2017-04-27
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I le ased Honda ca r with American Honda Finance Corp ( account #  XXXX   ).    Upon signing a leasing agreement, I set up an online account wit h Honda Finance , with autopay option when all monthly payments automatically withdraw from the dedicated business checking account opened with  XXXX . In about six-seven month later,  XXXX  blocked the account for security reason due to suspicious activity. I got a call from the bank and during the conversation addressed all their concerns. And I was under impression after that  XXXX  will unblock my account and all scheduled payments will be automatically resumed too. But, in reality,  XXXX  policy is such that customer must call the bank and request to unblock his account, even though I did not request to block it at the first place.   And I was under impression after that  XXXX  will unlock my account and all scheduled payments will be automatically resumed too. But, in reality,  XXXX  policy is such, that customer must call the bank and request to unlock the account, even though I did not request to lock it at the first place and nobody suggested that during my telephone conversation.   When a truck driver come to our house to take the car out, I immediately called  Honda Finance  and offered a full payment for the rest of the lease term, which we had right to do according to the agreement. But instead of taking payment right away over the phone, the  Honda Finance  representative suggested that car has to be taken now, but tomorrow we should call and make payment via  XXXX   XXXX , motivated that account already closed and nothing can be done. Next day, when I called to the customer service, I was told that it is too late to do anything and that it happened because of a red flag was put on my account as my husband, who handles all finances, had a controversy with some of customer service representative. According to them, he was impolite and demanding with customer service personnel. It seems like a personal vengeance to me.    American Honda Finance Corp.  violated my leasing agreement and intentionally and misleadingly re-possessed the car just several months prior to the end of lease date.    American Honda Finance Corp.  intentionally damaged my credit history and my reputation as a responsible consumer.   Even more,  American Honda Finance Corp.,  is attempting to collect the amount of {$5800.00} which is almost three times higher than my payoff amount was.   Just recently I received a letter from a collector,  XXXX   XXXX   XXXX   XXXX   ( r ef. accunt #  XXXX   )   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  Phone :  XXXX  and from  XXXX   XXXX   XXXX   XXXX   ( ref acc  #  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  Phone :  XXXX  demanding payment of {$5800.00} Please help to obtain a full accounting info and all communication recordings with customer service representatives from  XXXX  software and to restore my reputation as a responsible consumer.

Company response to consumer: Closed with explanation