Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing this complaint against American Honda Finance Corporation ( AHFC ) and AutoNation Honda XXXX regarding an unauthorized increase of my financed loan amount. Note : This is a continuation of a previously wrongfully closed case. That case was closed citing non-response. This is inaccurate. I responded to every email from AHFC and requested written communication only. AHFC closed my case simply because I did not answer their phone calls, which is not a valid reason for closure. IMPORTANT CLARIFICATION : This complaint represents a full reconciliation of all contract figures after thorough review of all signed purchase documents. The figures presented below are the correct and accurate amounts supported by documentary evidence. Any amounts referenced in previous correspondence should be superseded by the reconciled figures in this complaint. VEHICLE INFORMATION : Year/Make/Model : XXXX XXXX Odyssey Purchase Date XXXX XX/XX/XXXX Dealership : XXXX XXXX XXXX, XXXX XXXX THE FACTS : 1. On XX/XX/XXXX, I signed an Out-the-Door ( OTD ) price agreement of {$54000.00} as shown on the AutoNation XXXX XXXX signed Purchase Option disclosure sheet. 2. The correct loan calculation is as follows : Agreed OTD ( per signed Purchase Option sheet ) : {$54000.00} Cash Down Payment ( per Page 2, Item 6I of Retail Installment Sale Contract ) : - {$20000.00} Honda XXXX XXXX : - {$500.00} Correct Amount Financed : {$33000.00} XXXX. Actual " Amount Financed '' per Page XXXX of the Retail Installment Sale Contract ( Form 553-CA-ARB-ea 3/23 ) : {$34000.00} 4. Total discrepancy : {$870.00} REGARDING THE {$500.00} HONDA XXXX XXXX : The dealership has claimed this credit was already included in the OTD price. This is not accurate for the following reasons : The {$500.00} credit does not appear anywhere on the signed Purchase Option price sheet. A conditional credit based on academic qualification can not be pre-applied to an OTD price, as qualification is not guaranteed at the time of sale. If I had not qualified, I would have been responsible for that {$500.00} proving it was never part of the OTD agreement. As late as XX/XX/XXXX over XXXX weeks after the purchase date of XX/XX/XXXX the dealership was still requesting my official transcripts to verify my eligibility for the {$500.00} credit. This confirms the credit was never applied at the time of sale and was never properly processed. REGARDING PREVIOUS CASE CLOSURE : I responded to every email sent by AHFC. I requested written communication only to maintain a clear paper trail for this dispute. AHFC continued calling me despite my written request. AHFC then closed my case citing non-response simply because I did not answer their phone calls. Email is a valid and documented form of communication. I have written evidence of all my email responses and my written request for email-only communication. Specifically, on XX/XX/XXXX I sent multiple written responses to AHFC at XXXX requesting email-only communication and offering to provide all supporting documentation. Despite receiving these responses, AHFC closed my case citing non-response. PERSONAL STATEMENT : I am a parent with a young child at home and purchased this vehicle as a family car based on trust in the Honda brand and the signed price agreement. I requested email-only communication because verbal promises made during this transaction were not honored. Despite responding promptly to every email, my CFPB case was closed prematurely, which constitutes a failure to engage in the good-faith resolution process with a consumer who has provided all requested documentation. RESOLUTION REQUESTED : I am requesting that AHFC apply a principal reduction of {$870.00} to my loan to reflect the correct agreed-upon financed amount of {$33000.00} as supported by my signed purchase documents. I am willing to communicate by email only and have all necessary documentation available to support this claim.

Company response to consumer: Closed with explanation