Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
This is in regards to closed case XXXX. In addition to this closed case i sent 2 letters within the last 2 months. This closed case constitutes 3 times ( actually 4 with notice sent in XX/XX/XXXX addressing contract violations ) the company has been demanded to produce proof. It is my right to demand proof. Failure to do so violates my rights. Their responses or lack thereof was invalid and unsatisfactory. I am demanding validation. Please do not close this case until this has been resolved. I demand Honda MUST PROVIDE ALL of the following that apply with a sworn affidavit under penalty of perjury : 1. The original promissory note or contract, including all wet ink endorsements and allonges- if a copy is provided then it must be a copy of how the actual paper contract looks today XX/XX/XXXX. That no stamps or markings containing the words " without recourse '', " pay to the order '' " payable to '' are on the contract. All current markings must be on copy. Signed under penalty of perjury that the copy is how the contract looks today XX/XX/XXXX. The original must be made available for viewing. 2. Complete chain of title 3. All assignments, transfers, or sale agreements 4. All servicing agreements 5. Servicing compliance documentation 6. Full and complete life-of-loan accounting ledger 7. Documents showing the source of funds used to fund the loan 8. Any agreements or documents relating to securitization/ monetization 9. Payment history and application breakdown 10. Authority granting the right to enforce the note 11. Proof and Confirmation that any collateral held or loans issued fully comply with UCC Article 9, federal banking statutes, and regulations. 12. Title 13. Security bond / bond security 14. Copy of MCO title 15. Explanation of any credits, offsets, adjustments and/or third-party payments 16. Documentation demonstrating consideration and value exchange 17. Identification of the party entitled to enforce 18. Supporting calculations for the alleged balance 19. Proof of standing 20. Provide all information on Collateral Deposit Account, ledger for life of loan, funding of account, and full accounting of the account. The original contract had multiple violations. I am demanding this be addressed also . FEDERAL LAW VIOLATIONS 1. Improper Disclosure of Finance Charges Violations of 15 U.S.C. 1605 and 12 C.F.R. 1026.4 Fees that must legally be included in the finance charge were misclassified as part of the amount financed 2. Incomplete Itemization of Amount Financed Violations of 15 U.S.C. 1638 ( a ) ( 2 ) ( B ) and 12 C.F.R. 1026.18 ( b ) Contract fields necessary for verification were marked N/A 3. Failure to Provide Clear and Conspicuous Disclosures Violations of 15 U.S.C. 1638 ( a ) ( 3 ) ( 5 ), ( 8 ) and 12 C.F.R. 1026.17, 1026.18 ( d ) - ( h ) APR, finance charge, total of payments, payment schedule, and disclosures were not segregated or clearly presented 4. Right to Cancel Disclosure Deficiency Violations of 15 U.S.C. 1638 ( a ) ( 8 ) and 12 C.F.R. 1026.23 ( b ) ( 1 ) Contract failed to disclose the absence of rescission rights required for non-home-secured credit 5. Improper or Altered FTC Holder Rule Notice Violation of 16 C.F.R. 433.2 Required wording must be printed verbatim, without alteration 6. Misleading or False Advertising May violate 15 U.S.C. 1662 and 12 C.F.R. 1026.24 Advertising used to induce the transaction included misleading or incomplete credit terms CALIFORNIA STATE LAW VIOLATIONS 1. Violations of California Civil Code 2982 ( ASFA ) Down payment must be accurately and separately itemized ( 2982 ( a ) ( 6 ) ) All finance charges, fees, and add-ons must be disclosed transparently Any undisclosed or invalid fee is unlawful 2. Prohibited Packed or Hidden Fees ASFA prohibits packing, where unnecessary or undisclosed charges ( service contracts, GAP, add-ons ) are inserted into the amount financed without informed consent Violates Cal. Civ. Code 2982, 2982.5 3. Failure to Provide a Fully Completed Contract Before Signing Violates Cal. Civ. Code 2981.9 ; the buyer must receive a fully filled-in copy of the contract at the time of signing 4. Violation of the California Unfair Competition Law Unlawful, unfair, or deceptive practices are prohibited under Cal. Bus. & Prof. Code 17200 et seq. 5. Improper or Missing Holder Rule Notice Under California Law California adopts and enforces the federal Holder Rule Contract must contain the legally required wording under both 16 C.F.R. 433 and Cal. Civ. Code 2983.3 I sent notice back in XX/XX/XXXX, addressing this. This has not been addressed. Honda sent notice to CFPB to call them. Everythingmust be provided in writing. i demand Honda c ease and desist until resolved. i reserve all rights, without prejudice, without recourse. UCC 1-308/1-207/1-103/3-415

Company response to consumer: Closed with explanation