Consumer complaint received 2025-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Urgent Complaint Illegal Repossession, Lemon Law Obstruction, and Compensation Claim Against Honda Financial Services Dear Sir or Madam, I am filing a formal complaint regarding the illegal repossession of my leased XXXX  XXXX XXXX, XXXX XXXX, account number [ INSERT ACCOUNT NUMBER ], by Honda Financial Services. This repossession was conducted without any prior notice, without communication of the date, time, or location, and without any legal authorization or court order. 

1. No opportunity to respond or act I was outside the country at the time of repossession and had no chance to respond or protect my rights.

The vehicle was removed one day before my arrival, despite my sister attempting to coordinate that the vehicle be held because my mother is seriously ill and could not make payments. 
The vehicle had been immobilized for 4 months due to brake and acceleration defects, which were part of a manufacturer recall affecting all XXXX vehicles. 

2. Illegal and premeditated removal My vehicle was removed from a private garage using a towing company, without a court order, without my consent, and without legal authorization.

Video evidence clearly shows the doors were closed ; the individual opened them himself, deliberately removed the license plates, and covered his face to avoid surveillance cameras. 
These actions constitute intentional concealment, unlawful seizure, and theft, not a lawful repossession. 

3. Obstruction of Lemon Law claim Honda Financial never took the vehicle for inspection or repairs, deliberately preventing evidence of factory defects that rendered the vehicle unusable for over a year.

After multiple attempts to resolve the issue, Honda Financial claimed they have no record, effectively denying rightful compensation and acting in bad faith to sabotag

e my Lemon Law claim. 4. Violation of federal and state laws Uniform Commercial Code ( UCC ) 9-609 : Prohibits repossession without prior notice or opportunity to cure. Fair Credit Reporting Act ( FCRA ) : Reporting false late payments and inflated debts totaling over {$66000.00}, damaging my credit. Consumer Protection Laws/ Lemon Law Violations : Obstruction of legitimate claims and denial of compensation for factory defects. Trespassing/ Illegal Entry / Theft : Unauthorized entry into private property and seizure of property without judicial a
uthorization.

5. Additional harm Personal belongings in the vehicle, including electronics, documents, and other property, were never returned.

Honda Financial and the towing company refuse to acknowledge wrongdoing, and I only learned of the vehicles location at XXXX through a phone notification, after all my rights had been violated. 

6. Compensation requested I demand that Honda Financial Services provide full compensation, including : 1. Reimbursement of all payments made toward Honda Financial from the start of the lease, including all monthly payments.

2. Reimbursement of the down payment ( initial deposit ).

3. Reimbursement of all payments for extended warranties that were placed without my mothers authorization.

4. Indemnification for damages and losses, including damage to credit, financial harm, emotional distress, and obstruction of my Lemon Law rights.

This case is currently under investigation by the Office of the Attorney General of New York, XXXX XXXX, for violations of consumer protection laws, credit reporting laws, and unlawful repossession practices. I request federal intervention to ensure Honda Financial Services is held accountable, that my rights are fully respected, and that appropriate restitution is granted. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation