Consumer complaint received 2025-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XXXX XXXX Vs. American Honda Finance Corporation Index # : XXXX Breach of Contract and bad customer service Dear Judge, For three years, my Honda payments from XXXX to XXXX were always paid as agreed. 

In the last three months of my lease, the payments weren't reflected on my payment statement, which led to my car being repossessed Complaint 1 No Contact After Repo I was not contacted by Honda on the whereabouts of my car for the auction, and/or given the option to purchase it back after repo.

Complaint 2 Payment Last Three Months I had made one payment in the last three months, which is not reflected on my payment statements- I have requested my bank statements for XXXX from XXXX. It is too strange for a lease to be paid off for 2 years and 9 months and not have one payment on the last three months Complaint 3 Payment Issues Through the Lifetime of the Lease My payment statements show that periodically, I had issues with the Honda payment system, where I had to call in and pay by phone. Honda may have had an issue with their payment system during the last three months.

Solution : without my knowledge, Honda took off my lease payments on my credit report and repo off my credit report, and left a balance due on my Honda account after the auction.

Requested Solution : Honda financially satisfy me for my grievance, as all my payments for all those years were to be reflected on my credit score, and I lost my vehicle.

Honda return the vehicle of the same standard to me and give me the option to purchase or amend the lease.

My credit report reflect all payments made for three years without repo.

It is my right as the leaseholder to be informed about any auction of my vehicle, and I would still have had my car. It is also my right to have all payments made reflected on the Honda payment system on my profile, which would have avoided a repo.

According to the Consumer Financial Protection Bureau, I have rights as a leaseholder that Honda did not uphold.

Right to receive notice of sale : The lender must notify you before selling or auctioning the vehicle.

For a public auction, they must provide the date, time, and place so you can attend and bid.

For a private sale, they must notify you of the date after which the car will be sold.

Right to reinstate the lease ( state dependent ) : Some state laws and lease agreements allow you a short window ( e.g., a " right to cure '' ) to get your car back by paying all past-due amounts, late fees, and repossession/storage expenses. In New York, you typically have a 25-day period after notice to reinstate.

Right to redeem the vehicle : In every state, you have the right to get the car back before it is sold by paying the full remaining amount owed on the lease, plus all associated repossession and storage expenses.

Right to a " commercially reasonable '' sale : The lender must sell the car in a commercially reasonable manner, meaning they can not sell it for a price significantly below market value.

Right to a surplus ( rare ) : If the car sells for more than what you owe ( including all fees ), the difference is a " surplus, '' and you are entitled to receive those extra funds.

Right to an itemized deficiency balance statement : In most cases, the sale proceeds are less than the total amount owed, resulting in a " deficiency balance ''. The lender can sue you to collect this amount. You have the right to receive an itemized statement detailing how the sale proceeds were applied and the exact amount you still owe.

Exhibit 1 - Honda payments Exhibit 2 - Honda Profile Respectfully, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation