Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (GA)

I have had a new vehicle through a consumer credit transaction with American Honda Financial Services for over 2 years with no issues. After being admitted to inpatient care due to XXXX, I contacted Honda Financial to set up auto pay for my vehicle. I informed them that communication would be random due to being inpatient and wanted to take necessary steps to continue my good standing on our transaction. I spoke with Honda rep named XXXX on XX/XX/2021 at XXXX. The rep assured me everything would be setup with no issues and payments would be automated drafts in the amount of {$470.00} in addition to the current month due. The rep stated he accidentally set it up for less than the full payment but would correct it. I was released from the hospital then readmitted due to complications from my initial emergency in XXXX. I realized I was locked out of my online account portal with Honda Financial Services ( screenshot attached ) I received a voicemail from another Honda Financial rep in reference to my account ( visual voicemail pic attached ) .Along with 4 additional automated calls and voicemails from Honda Financial with the same day. I returned the call. Learned that the auto pay was never set up and I was actually now late with fees being added. I informed the rep of my conversation in XXXX with XXXX as well as the payment information provided during that call. I also requested full disclosure as well as communications with them because the integrity of their reps handling the transaction as well as my personal information is now questioned and I asked to have a manager call me back after the rep informed me of a wait to speak with them. No one called me back. I then typed up correspondence to Honda Financial for validation and integrity being questioned in regard to the consumer credit transaction, and informed them of their failure to fully disclose all information about the transaction and communication with their company. That letter was sent certified. No reply again. At this point Honda Financial has violated the Truth In Lending Act, the TCPA as well as contract laws. On XX/XX/XXXX at XXXX my mother was awakened due to a tow truck driver ( from an unmarked truck ; picture attached ) banging on her door yelling my full name and stating he was there on behalf of Honda to collect a debt and repossess my vehicle. Not only did that frighten my mother and caused her XXXX  and XXXX due to it being XXXX and dark outside ; it violated my rights as a consumer in addition to my privacy because the man kept banging on her door stating the same information. Also my mothers address is not listed on the consumer credit transaction. I was at my mothers home when I had my emergency that led me to being in the hospital. My mother informed the man that I was not present and the man proceeded to reprocess the vehicle. This has caused XXXXl and XXXX XXXX for myself and mother as Im trying to recover from health issues on top of public humiliation since he kept yelling the same statement several times until my mother could get to her door. While in the hospital I made several attempts to prevent and resolve the issue. Honda Financial is reporting negatively since XXXX on my consumer reports as well affecting my ability to obtain any credit specifically needed to assist with mounting medical bills. After multiple communications through phone and mail with Honda Financial they have failed to honor my rights as a consumer, violated various privacy and communication regulations and have repossessed property from that consumer credit transaction.