Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
American Honda finance is making treats using repossession company acting as XXXX using phone number XXXX on XX/XX/XXXX at XXXX XXXX. 
I am demanding immediate FINAL NOTICE TO CEASE AND DESIST DEMAND TO STOP ALL REPOSSESSION ACTIVITY NOTICE OF REVOCATION OF ALL PRIOR AUTHORITY Date : XX/XX/XXXX To : American Honda Finance XXXX XXXX : XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, TX XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Cc : [ Name of Repossession Company, if known ] [ Address / Email ] Re : XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX NOTICE IS HEREBY GIVEN that any attempt to repossess the above-referenced vehicle is formally disputed and must CEASE IMMEDIATELY. 
I am the lawful owner and/or authorized possessor of the vehicle described above. Any repossession attempt at this time would be wrongful, unauthorized, and unlawful, constituting conversion, trespass, and deprivation of property without due process of law. 
This notice is issued in good faith and serves as actual notice to all recipients. 
REVOCATION OF AUTHORITY / POWER OF ATTORNEY All prior powers of attorney, agency authorizations, servicing rights, or delegated authority of any kindwhether express, implied, contractual, or assumedare hereby REVOKED, TERMINATED, and RESCINDED, effective immediately. 
No third party, servicer, agent, contractor, or repossession company is authorized to act on my behalf or to claim derivative authority to seize, secure, or repossess the above-referenced vehicle without new, specific, written authorization supported by verified standing and lawful entitlement. 
Any continued claim of authority after receipt of this notice shall be deemed knowing, willful, and unauthorized, and may constitute conversion and misrepresentation of authority. 
FEDERAL LAW NOTICE Fair Debt Collection Practices Act Under 15 U.S.C. 1692f ( 6 ), a person or company may not take or threaten to take property when there is no present right to possession or no legal authority to enforce the alleged security interest.

Repossession companies fall squarely under this statute when acting without verified standing from the alleged creditor.

Conversion Under Color of Authority Under 18 U.S.C. 641, the conversion or taking of property under color of authority becomes a federal offense when property is taken without lawful entitlement.

False Representation of Federal Obligation Under 18 U.S.C. 8, it is unlawful to falsely represent or treat a private instrument, debt, or obligation as an obligation or security of the United States. 
Any mischaracterization of the alleged debt, note, or security interest as federally backed, federally owned, or federally guaranteedwithout lawful basismay trigger federal scrutiny under this statute.

False Claims Act Notice Under 31 U.S.C. 37293733 ( False Claims Act ), any person or entity that knowingly presents, causes to be presented, or conspires to present a false or fraudulent claim for payment, enforcement, reimbursement, or recovery to the United States or its agents is subject to civil liability, treble damages, and statutory penalties.

This notice expressly preserves my right to pursue remedies under the False Claims Act to the extent any claim, reporting, insurance, guarantee, securitization, or enforcement action related to this alleged debt involves federal funds, federal programs, or federal instrumentalities.

Deprivation of Rights Under Color of Law Under 42 U.S.C. 1983, any person or entity acting under color of lawor in joint action or cooperation with state actors, including law enforcementwho deprives a person of property without due process is exposed to civil liability.

TEXAS LAW NOTICE Under Texas Finance Code 348.407 and Texas Business & Commerce Code 9.609, repossession is permitted only when conducted without breach of the peace and only by a party with a verified, present right to possession.

Any entry onto private property without consent, any threat, intimidation, law-enforcement standby, or seizure while the debt is disputed constitutes a breach of the peace and renders the repossession unlawful under Texas law .

UCC ARTICLE 9 DEMAND FOR PROOF OF STANDING Before any repossession activity may lawfully proceed, the following must be verified and produced in writing : Verified chain of title to the alleged security interest Verified possession of the original note or enforceable instrument Verified assignment authority from the lawful creditor Independent confirmation of standing and present right to possession Assumptions do not establish standing.

Standing must be proven, not presumed.

FORMAL NOTICE AND DEMAND The alleged debt and/or default is disputed No consent is given for entry onto private property or seizure of the vehicle Any repossession after receipt of this notice constitutes conversion and intentional interference with property rights Any participation or facilitation by private actors or law enforcement may trigger civil, statutory, and federal liability This notice may be converted into a sworn affidavit and used as evidence of prior notice, bad faith, and willful misconduct. 
DEMAND All repossession activity must be immediately suspended until this matter is fully reviewed, verified, and resolved in writing. 
Written confirmation of suspension is required. 
All rights are expressly reserved. No rights are waived. 
Respectfully, XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX  XXXX XXXX code exempt

Company response to consumer: Closed with explanation