Consumer complaint received 2021-12-15
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/2021, I sent American Honda Finance Corporation d/b/a Honda Financial Services a Cease and Desist via USPS certified mail, return receipt requested, pursuant to my rights under 15 USC 1692c ( c ). American Honda Finance Corporation XXXX Honda Financial Services is in receipt of this document as of XX/XX/XXXX as verified by USPS return receipt in my possession. In the Cease and Desist dated XX/XX/2021 that American Honda Finance Corporation d/b/a Honda Financial Services is in receipt of, I advise American Honda Finance Corporation d/b/a Honda Financial Services that I am well aware of my rights and know that any further contact by American Honda Finance Corporation d/b/a Honda Financial Services , except a communication confirming there will be no further contact or notification of a specific action American Honda Finance Corporation d/b/a Honda Financial Services intends to take, is in violation of the Fair Debt Collection Practices Act . I am also aware that any contact you make to a 3rd Party concerning me and/or the alleged debt you contend I owe is also a violation of the Fair Debt Collection Practices Act, specifically Section 805 b ( 15 USC 1692c ( b ) ). 15 USC 1692c ( c ) states that if such notice from the consumer is made by mail, notification shall be complete upon receipt. Since XX/XX/2021, the date that American Honda Finance Corporation d/b/a Honda Financial Services is in receipt of the Cease and Desist pursuant to 15 USC 1692c ( c ), American Honda Finance Corporation d/b/a Honda Financial Services has called me a total of five ( 5 ) times continuing to attempt to collect the alleged obligation. This is an individual act against 15 USC 1692c ( c ). In addition, American Honda Finance Corporation d/b/a Honda Financial Services has communicated several times with multiple consumer reporting agencies over the last month with information concerning me, the consumer, and the alleged debt American Honda Finance Corporation d/b/a Honda Financial Services contends I owe them since being in receipt of my Cease and Desist. This is an individual act against 15 USC 1692c ( b ) and 15 USC 1692c ( c ). Pursuant to 15 USC 1692c ( c ) ( 2 ), I invoked my specified remedy as the consumer and ORIGINAL creditor of the account and I demanded American Honda Finance Corporation d/b/a Honda Financial Services to zero out the balance on the account as it was paid for upon their receipt of my purchase money loan, return my title/manufacturers Certificate of Origin LIEN FREE, and to delete the account from all consumer reports and files. American Honda Finance Corporation d/b/a Honda Financial Services has very obviously ignored, disregarded, and violated my rights under Title 15 of the United States Code. In accordance with 15 USC 1692c ( d ), I, consumer in fact, am invoking my administrator and executor status over this matter and is of the age of majority. It is also a fact American Honda Finance Corporation d/b/a Honda Financial Services is a corporation and is always considered a minor. Corporations who are considered minors have no legal standing or jurisdiction.