Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

Hello there. I hope this information finds who is reading this message well. I am happy to say that it will be three years soon that I've done business with XXXX XXXX XXXX and I am happy so far with the experience. The purpose of this complaint is because today I saw on my credit report there was a 30 day late payment reported for XX/XX/XXXX. I'm very sure I made my XXXX payment the same way I make my monthly payments for my XXXX XXXX account habitually and consistently every month without fail. In fact, over 12 years of having credit, I've never missed a payment or had any issues with any of my credit lines so when I saw this, I was surprised myself because this is outside of my character. I log into my XXXX XXXX online account every month to pay my bill on the due date on the XXXX, and when I logged in XX/XX/XXXX to take care of my XXXX bill, it came to my attention the system was asking for double the payment along with a late fee of XXXX even though I'm sure I paid in XXXX. I didn't receive any communication, either by email, phone, text, or even regular mail that my payment wasn't received for the month of XXXX. I went ahead and paid the amount the system asked which was two installments plus the late fee on the XXXX. I want to point out that I would like to have this 30 day late payment removed due to the extenuating circumstances surrounding the month of XXXX. As I mentioned, I believed the payment was submitted as I certainly did not make a conscious decision to not pay the bill due to insufficient funds or decide to neglect the bill whatsoever. In fact, every month I have bills due the XXXX, the XXXX, the XXXX, and the XXXX and I managed to pay the bills on the XXXX, XXXX, and XXXX just fine. Looking back at XXXX, I paid the bills due on the XXXX, the XXXX, and the XXXX. So it's not of my character to have paid all my other financial obligations but neglect my XXXX bill due on the XXXX. I still managed to pay all my credit bills despite having suffered a great illness due to having the XXXX XXXX disease during the month of XXXX and I struggled fighting this disease for 4 weeks straight. I had active signs of XXXX and was quarantined in my room unable to leave for much of the 4 weeks to protect my family and loved ones. As you may be aware, XXXX XXXX has a lot of XXXX  and XXXX  symptoms including XXXX, XXXX XXXX, inability to wake or stay awake, and including these symptoms plus much more, I faced a very difficult month of XXXX and still maintained strong financial habits and made payments to every institution. What I didn't have during the month of XXXX was any financial constraint or burden paying my bills. I still managed to pay all my other bills which were far greater in amount than my monthly XXXX payment, so I don't see why I would've forgotten the XXXX payment or have had any inability to pay it. In order to prove my medical diagnosis, I have attached a physician 's medical note that was given prior to the due date of the XXXX bill clearly showing I was under my physician 's care battling this severe XXXX. I have also attached my bank statement for the month of XXXX showing I had well over XXXX figures in my checking account. There's no reason I would've neglected this bill. The redacted statement is attached to this complaint and if the original statement without any personal information hidden for privacy is required, I can submit that as well. My family and I primarily do business with XXXX. I have referred my father to buy his XXXX just this past XXXX of XXXX and I referred my brother to buy his Civic just this past XXXX of XXXX. Both of them are also financing with XXXX XXXX. My current car is almost due to get paid off next year in XXXX of XXXX. I was looking forward to trading this car in and getting into a brand new financed XXXX but this will prove difficult if there is negative information in my credit file due to an error that I don't believe is mine especially due to the extenuating circumstances that surrounded my health with additional respect to my previous stellar credit file, payment history with XXXX, and as well as my financial strength having had the cash on hand to pay. I am requesting management to reconsider their report of the 30 day late payment as errors can happen through the website. If the payment didn't go through the website and I didn't receive any communication reminding me that I was late, there would've been no way for me to resolve any issue in time until I went to pay my XXXX payment which is when I found out there is a problem. I understand there are rules in place of proper credit reporting based on the Fair Credit Reporting Act but this is beyond negligence. I'm a responsible person with credit and during times of extreme duress as I faced during my illness, it's unclear how this happened. In order to avoid these measures and to continue to foster a healthy responsible financial relationship moving forward with XXXX, I am willing to even go ahead and enable automatic payments to ensure that XXXX forbid if I were to become affected by any health issue again that the system will automatically take care of my payments so that both XXXX and myself are content that payments are being made on time without worry about any issues with the online website. I would sincerely appreciate consideration to the case I've presented. Negative reports on one 's credit are in place to keep customers accountable. Please consider this was not an act of negligence. Please consider that I did try to make the payment on time. Please also consider the evidence of my bank statement that I have provided clearly showing I had the funds ready to pay despite all my other financial obligations that existed but got paid as well. Please also consider proof of medical illness due to this novel virus that is causing impacts on the healths and lives of people all over the world. I am excited to continue my relationship with XXXX and purchase more cars but I can't do that if I'm being penalized for something I didn't do. A lower credit score would impact my ability to purchase more cars. Future business between XXXX and myself gets affected due to this unfortunate event. I am sincerely asking for the removal of this 30 day late payment. Thank you for reviewing all my documentation and for extending courtesy in advance.