Consumer complaint received 2018-02-15
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a XXXX Honda fit on XX/XX/XXXX. my credit wasn't in good standing due to being unemployed, therefore someone co-signed my loan so that I could get the loan at a lower interest rate. We were very clear, and stated more than once that the co-signer ( who is no relation ) not be put on the title or registration, because he has a XXXX on his vehicle due to a previous XXXX that would be removed in XX/XX/XXXX. He didn't want to upset that. However, the dealership ( XXXX XXXX actually put him first on the title. I put down $ XXXX of my own money on the vehicle and I'm making the payments. It is totally my car. We didn't know Honda had done this until Mid XX/XX/XXXX when the DMV sent the co-signer a letter. The DMV said he had till XX/XX/XXXX to remove his name from the title. We have done everything they have asked us to do to change this. Which was to notify Honda Financial Services with a notorized letter, asking them to removed him from the title and registration. The XXXX said the HFS had not even submitted the paperwork at that time which was XX/XX/XXXX. We had to re-submit another letter on XX/XX/XXXX to HFS because they were not entirely happy with the wording on the first letters. At this point there was no way it would get changed before the deadline. The co-signer has called the DMV since and HFS still has not completed the title and registration change. During this time, the co-signer has had his license revoked, because his name is on the title and registration of my car. The Co-signer knows he can not drive vehichle without a XXXX, therefore we tried to make it very clear that the purchase of the car was mine entirely and not his, that I was the only driver. The co-signer was merely trying to help me. It is costing us money because I'm not sure if its legal for me to drive my own car because of the issue, so I have had to purchase a rental. 
On Tuesday XX/XX/XXXX I called HFS again, and nothing has changed. The DMV told the co-signer that HFS was supposed to submit a electronic title. The rep we spoke with said she would call the DMV the next morning and see what she needed to do, but when the co-signer call again the next day, nothing had changed, so on the XX/XX/XXXX, I  called HFS again, and no one knew anything about it, and proceeded to tell us what we needed to do to have the title and registration changed. I told the rep we had done all of those things and that we are waiting on them, I explained to her about my conversation with the other rep and that she would call the DMV that morning. She checked and said that rep was off that day. She said they didn't know of anything they should do on that end. So I contacted the DMV online that evening of XX/XX/XXXX and their response was that HFS ( Lien holder ) should be familiar with the electronic process and how everything needs to be submitted. We have made many phone calls to HFS, we have given everything they have asked for and we aren't getting any where. However, we are spending money trying to, and for a rental, and I now have to drive the  co-signer because he isn't allowed to drive his own car since his license has been revoked due to the fact that the Honda Dealership ( XXXX XXXX, XXXX, NC ) was dishonest and unethical. 

Nor did XXXX XXXX give me a copy of any of the transaction the day of the purchased the car.

Company response to consumer: Closed with non-monetary relief