Consumer complaint received 2024-01-01
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (CT)

On XX/XX/XXXX I had entered into a consumer credit transaction with XXXX HONDA located on XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX where they obtained my credit card defined under 15 USC 1602 via a credit application defined under 12 CR 100.2 where they conducted a finance charge as defined under 15 USC 1605 in exchange for credits in the form of a vehicle. Hence XXXX HONDA has participated in an extension of credit it directly falls under the jurisdiction of the TRUTH IN LENDING ACT which it has violated tremendously. Upon the process of me exercising my right to credit as described under 15 USC 1602 XXXX HONDA has received a security collateral on my behalf upon my signature on the contract. Once speaking with the finance manager XXXX XXXX after being approved I kindly asked if XXXX HONDA follows its requirements under TRUTH IN LENDING because I was not given proper rescission forms at signing in the case I wanted to exercise my right to rescind within 3 days of application under 15 USC 1635 and 12 CFR 1026.23.. XXXX XXXX follows up to my question with hostility and goes on to make me feel stupid stating that I was misinterpreting TILA and how she has been doing her work for 15 years so I must be wrong about my TILA statement. I immediately felt unsafe in the business transaction and violated and no longer wanted to be there, I kindly asked for a copy of my signed contract for my records and XXXX XXXX instead hands me a unsigned copy of the contract and states to me it is the same thing with the name of the lien holder written on it. 
I felt mistreated and violated by XXXX HONDA simply for asking about TRUTH IN LENDING requirements. Next day XX/XX/XXXX I receive a phone call from the general manager XXXX XXXX stating that XXXX HONDA no longer wishes to continue with the process and reverses my approval despite my signed contract and approval. Up until today XX/XX/XXXX XXXX HONDA has failed in its TRUTH IN LENDING requirements and has not sent me a notice on the reasons why my approval was reversed after already signing my contract. I have called 3 times leaving a voice message to XXXX XXXX since the notice ot reversal to which I have been IGNORED. I have also sent correspondents via Registered mail and have also been IGNORED. XXXX HONDA has coerced me into signing my contract creating a security collateral to which XXXX HONDA has a duty to exchange dollar for dollar via the FEDERAL RESERVE ACT sec 16 & 29 in which they have received full payment for the vehicle on my behalf to then DENY ME A BENEFIT WITHOUT PROPER NOTICE OF THE REASONS WHY. XXXX HONDA has violated me and DISCRIMINATED me against the EQUAL CREDIT OPPORTUNITY ACT denying me a right to credit for simply exercising that right and has caused to me to experience unsafe business practice violating me under the Bill Of Rights. XXXX HONDA is in violation under 15 USC 1691 ( C ), and has assumed liability under 15 USC 1691K. and 15 USC 1644 for unauthorized use of my credit card aswell as under 18 USC 241 and 242 and will be held liable as well under 42 USC 1986. XXXX HONDA has been given opportunities to respond accordingly via registered mail to which it has accepted via the POSTAL RULE and has willfully DISHONORED all offer attempts. XXXX HONDA has committed violations under TRUTH IN LENDING for failure to provide proper notices to the consumer of their credit rights which constitutes liability of double the finance charge of the vehicle in statutory damages. I have been violated and abused by XXXX HONDA and have been denied a benefit that would have helped me and family tremendously and I am seeking a resolution.