Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (CA)

I had a lease w/Acura Financial Services re XXXX XXXXXXXX XXXX  XXXX XXXX Back in XXXX, I contacted them to see if they had any Covid Relief prgm. that I could benefit from as a XXXX XXXX, whereupon I was out of work for monthsXXXX period, and request a 1-month deferred pymnt ( $ XXXX ). They said I didn't qualify at the time. So, I made my 1st late pymt in XXXX ; from there I made partial pymts. for XXXX & XXXX. The car was then Repo 'd on the evening XX/XX/XXXX, just b4 I went to Work at XXXX ( XXXX  XXXX XXXX. I eventually was removed from my job as a result ( no car ). Fortunately, I've been reinstated, as I'm renting a car. There's that, here 's My Complaint # 1 : That Acura, informed me that when I called in ( since I recv 'd $ to pay ) that I was QUALIFIED to have Car Released to me, and/or get a 10-Day Extension as well to make a Pymnt. 1 ) Acura then said that I missed that Opportunity w/Them as I called in a Day late, and there was Nothing More they can do to help recover the Car, since it was " Being Prepared for Auction, as they Claimed I missed my chance to get car back, since I had from the XXXX of XXXX to XXXX of XXXX. XXXX ) Complaint # 2 is : I told them that A ) I had been ill suffering from Covid effects ; B ) To please give me Consideration that XXXX fell between this very short window, as well as a death in the family ( my cousin died from Covid, on XXXX XXXX, before XXXX day @ midnight ) and consider my next day Pymnt to have Car Released to me. C ) They said No, it was out of there hands. D ) I've since Called the Recovery Yard, and as of XX/XX/XXXX, the Car is still w/Yard and not at Auction until transfer tomorrow XX/XX/XXXX ; and that Acura is the Only Party that can Stop this and Recall the Car. E ) On the XXXX I pleaded w/Acura to recall the car before it goes to Auction- that I have the funds to bring my Acct. current. They still said No and Denied me. They also, I feel, sighted me with personal attacks, that I was given a small window, but there's nothing they could do because they had to follow Policy & Procedure, and not afford me any consideration of the XXXX XXXX time-frame, or death of a family member to recall the car to save it from going to action. The personal attack on my character and underlying issues- were not considered, but turned around me, that they hadn't heard from me during this short period untiXXXX ( also my Birthday is on a holiday- XXXX XXXX ) therefore the car must be sold at auction. No if 's, and 's or but 's. 
Complaint # 3 : Acura, is still within their power, recall Car, prior to Sale at Auction. Why : Because the car is still at the Impound, 2 ) It hasn't been transferred to the Auction site As of today ) Acura is still saying there's nothing the can do to prevent what's going to happen next. NEXT STEPS will prove harmful and detrimental to me. Since XXXX is a fiduciary to Credit Reporting Agencies : 1 ) My Credit crashed from near 700 to now XXXX XXXX score ( car still hasn't Sold yet ). 2 ) A Repo on my Credit will prevent me from any ability to finance a car for next 7-yrs. and 3 ) It'll potentially Cost Me x5 the amount of $ I owe ( appx. {$1600.00} ) to bring my Acct. current. Acura, if they Persist, will cause me more damage than good for my future, if Auction proceeds while I have the Funds to protect myself from Harmful actions by Acura. 
WHEREFORE, My Complaint against Acura Financial Service are hinged around 1 ) Abuse and Gross Negligence to Not intercede and Apply a fix and/or Any Consideration to me, that could have extended me some time to Cure the deal. 2 ) Proper Notice issue- as they Claim they didn't hear from me for 70-days. Which is untrue : I made partial Pymts during XXXX, and Ill need a refund since they still moved ahead w/Repo procedures, without Notices to my Text or Email, they suddenly opted to send a Letter instead of my current Notifications settings. 3 ) this is highly Unfair to me, without giving me any considerations to afford me any relief, 4 ) Abuse of the system- to prevent and hinder me, to help avoid a harmful and detrimental Action against me, before it Occurs, and therefor 5 ) amounting to Gross Negligence for not lifting a finger to stop, halt, and prevent this from going further- to cause Harm to my character, creditworthiness, and further financial burdens and hardships, as Acura reports to XXXX recording Agencies. 
RESOLUTIONS : 1 ) Return of the current XXXXXXXX XXXX XXXXXXXX to me, give me Option and Opportunity to bring my XXXX Acct current and in Good standing ; since Car has not gone into Auction yet. Or, 2 ) it's too late for any action to stop and recall the car from Auction, that I respectfully request that that car/vehicle be Replaced by Honda/Acura with a like/similar replacement Vehicle, and in consideration for the added stress and inconvenience suffered in this matter for Acura not taking measures to harm me they way they are seeking to Play this Out to a detrimental end scenario against me that at present time, totally avoidable, but only Acura can step in and prevent the inevitable Next Steps from Happening. And afford me the opportunity to fix my Credit, like I've already accomplished with my other similarly situated Creditors as a result of this recent 60-day financial lapse.