Consumer complaint received 2016-09-16
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My daughter got a car lease through Honda Financial that was a special program for college students still in school at the time. A month after she took out the loan the job she had still a XXXX suddenly cut her hours putting her in a position to get behind. She did make contact with them and advised them of the issue. Being young an nave to dealing with some issues thought they would give her sometime for she personally never communicated with them afterward. The letter to the credit bureau below explains a lot as well. I have an issue because Honda NEVER contacted me as the co signer which they admitted, having my contact information from the initial application failing to utilize this information to reach me by phone, negligence on their part. I should have been contacted by PHONE I am more familiar with negotiating temporary solutions with financial institutions. I am also having issues because this being a " start up '' program for college students and they were willing to give her a loan though she had not graduated/had gainful employment, greed. We could have worked out something and they probably have taken advantage of others. She has since graduated and compliant. This is wrong. 
XXXX : We rec 'd a report from XXXX XXXX Honda dated issue XXXX/XXXX/XXXX. This report shows accurate information for XXXX, XXXX/XXXX/XXXX and XXXX, our reasons for filing the dispute. My daughter contacted Honda in XX/XX/XXXX that her job her cut her hours and she would be late on her payment. She was given the impression she had some time. After that discussion Honda took a call from a college room mate of her that out of spite answered her phone one day while she was in the shower and pretended to be her. This person also gave Honda a XXXX phone number ( my daughter and I have NEVER had a ( XXXX ) exchange number and they were conversing with her as she pretended to be my daughter. My daughter did not talk to Honda again nor did they contact her or myself at the numbers on the loan application. Honda admitted to never contacting me, the co-signer to inform me that the loan is in jeopardy for I COULD HAVE MADE THE PAYMENTS. My daughter took this person to court and filed an identify theft charge, and to all the credit bureaus. I have issues that Honda 1 ) NEVER CONTACTED ME AND ALLOWED THIS SITUATION TO GET OUT OF CONTROL TO MAKE MONEY OFF OF FEES. 2 ) WE WERE NOT AWARE THE ACCOUNT WAS BEING PAID ONE MONTH IN THE WHOLE THEREFORE CAUSING LATE PAYMENTS FROM XX/XX/XXXX-XX/XX/XXXX. 
I contacted Honda after receiving the issued report from XXXX date XXXX/XXXX/XXXX on XXXX/XXXX/XXXX in which I was told to fax info because we felt the late fees were unfair and unethical, taking advantage when they did not contact me. A heated discussion took place with a XXXX on XXXX/XXXX/XXXX in which I felt the report was changed out of spite to reflect what was sent on XXXX/XXXX/XXXX by XXXX. Due to the identity theft issue, Honda never contacting me or actually talking to my daughter after XX/XX/XXXX ( after which a payment was made for XXXX ) that this is Honda 's error in not contacting us by the phone numbers only on the loan application. No other numbers. This is a financial program that is suppose to HELP graduating college students not hurt them like Honda is doing to her credit and they could have worked with her more by giving her an opportunity and delay a payment or two by just adding them to the end of the loan. I KNOW THEY CAN DO THIS BECAUSE MY FINANCIAL DEBOTORS HAVE DONE IT. 
In resolution, it is felt Honda should change the report from XXXX of XXXX/XXXX/XXXX back to reflect the accurate information reported on the report of XXXX/XXXX/XXXX. We have enclosed copies of all correspondences, documentation to support this request. Please forward to Honda Office of the President. At this point we regret doing business with Honda. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation