Consumer complaint received 2019-02-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP (NJ)

On either XX/XX/XXXX or XX/XX/XXXX, I visited XXXX XXXX XXXX, and spoke with salesman XXXX XXXX. I needed to turn in my XXXX leased XXXX, and get another, leased or financed vehicle. Mr. XXXX turned me over to a finance manager, who confirmed what Mr. XXXX had already told me : I must make a down payment on a new car before also agreeing to pay a car note. Mr. XXXX had said I needed to put down {$15000.00} ; and the manager said I needed to put down {$2000.00}. Why? I was in open Chapter XXXX bankruptcy ( a fact that Honda Finance already knows ). 
So what if I have made timely payments to Honda, for the entire 3 years and 3 months I have had this car, says Mr. XXXX and the finance manager. Honda 's " policy '' is that Honda doesn't finance people in bankruptcies/past bankruptcies. I told them, no, I should not have to put money down, since I have a long history with Honda ( at least 20 years! ), and since Honda knows first-hand that I make timely payments. ( I made all payments on my leased car both before and during my open bankruptcy! Made those payments directly to Honda Finance, electronically through my checking account )! 
I was disappointed, but not surprised as I left this dealership. I had already gotten a runaround from XXXX XXXX in XXXX   NJ, where I got my now leased car that must be returned XX/XX/XXXX to Honda. And XXXX XXXX XXXX in XXXX also gave me a runaround. The XXXX XXXX XXXX dealership kept me in the dealership for at least 4 hours, only to tell me Honda failed to approve allowing for me to roll into a new, purchase deal on my same car that I now drive as a lease customer. That sounded logical. But the deal did not go through. 
I now complain that Honda should : allow for me to at least buy my leased car that is due back to them on XX/XX/XXXX, since Honda has before it, the proof of my timely payments to them, on this car! And if Honda will not budge on its " policy '' of not financing bankruptcy customers - unless they pay {$2000.00} upfront? - Honda should at least report my good leased vehicle payments history to the credit bureaus. Right now, Honda seems content with leaving me between a rock and a hard place. I must turn in my leased car by XX/XX/XXXX, but I can't get repeat financing from Honda ( ludicrous ), since I have filed Chapter XXXX bankruptcy. Never mind that I managed to pay Honda on time during the ongoing bankruptcy repayment plan! And since Honda fails to show my most recent credit history, I am stuck with not getting another, new vehicle! What non-Honda dealership will even look at me, when they see I not only have bankruptcy on my record, but an old, XXXX Honda report of late payments that gradually were made in full. That is kind of a lie. I turned back in my XXXX in XXXX, since I knew I could not keep struggling with the high payments. And XXXX XXXX took it away, and got me into another, Honda finance deal, on the XXXX that I now drive leased! 
Give me a break, Honda! I have been with you for too long for you to play these fiscal games with me, at a time when you know I am vulnerable!