Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I recorded the call. 

Dear Honda Financial Services, I am following up on my formal complaint regarding my loan account. On XX/XX/XXXX, during a recorded call, XXXX assured me I would receive a call back from a supervisor within 48 hours. However, no one has contacted me via phone or email as promised. When I requested a supervisor or manager I was told they would have to call me. 

Additionally, a Honda Financial Services representative explicitly directed me to this email for resolution, yet the response I received was a generic redirection back to customer service, failing to address my concerns. This is unacceptable, and I expect a substantive response rather than another referral to a general support line. 

To reiterate, I am requesting : XXXX. A written explanation regarding the failure to provide the mailed billing statements as requested for the past XXXX months. 

XXXX. A resolution regarding the interest charges and remaining balance on my loan. 

XXXX. Confirmation of corrective action regarding the unprofessional conduct I experienced during my XX/XX/XXXX, call with your representative. 



I am giving Honda Financial Services XXXX XXXX business days to provide a meaningful response addressing my concerns. If I do not receive XXXX by XX/XX/XXXX, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the New York XXXX Attorney XXXX XXXX regarding Honda Financial Services failure to properly address my concerns. 



I expect a written response via email or mail or a call from a XXXX or supervisor within the stated timeframe. 

Sincerely, XXXX XXXX. XXXX XXXX On Tue, XX/XX/XXXX at XXXX XXXX Customer Service XXXX wrote : XXXX XXXX XXXX Thank you for contacting American XXXX XXXX your Honda Financial Services XXXX. We want to thank you for providing us the opportunity to respond to your message. 

We recommend that you please contact Honda Financial Services directly to assist with your inquiry. Honda Financial Services can be reached at ( XXXX ) XXXX. Their office hours are XXXX XXXX - XXXX, local time. 

We thank you for reaching out to us with your inquiry. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX. 
Case # : XXXX Attention : If you are not the intended recipient, please delete the message and notify the sender. Thank you for your cooperation. 
-_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone XXXX Email XXXX XX/XX/XXXX Honda Financial Services Customer Service Department Dear Honda Financial Services XXXX I am writing to express my serious dissatisfaction with my experience with Honda Financial Services XXXX This matter involves failure to provide my billing statements, excessive interest charges, and unacceptable customer service treatment. I am requesting a final resolution that results in the forgiveness of my remaining debt and a refund of the interest I have paid. 

XXXX. Failure to XXXX XXXX XXXX XXXX XXXX XXXX XXXX For the past XXXX to 3 months, I have requested my billing statements be mailed to me and have not received them. This failure has made it difficult to manage my account properly. 

Additionally, during a recorded call on XX/XX/XXXX, at XXXX AM, I spoke with XXXX, who refused to accept my partial payment, stating, I will not be accepting that payment. She went back and forth with me for about XXXX minutes. She was rude XXXX empathetic and spoke over me consistently And then telling me that I was aggressive and spoke harassingly. However, after escalating to XXXX, she agreed to accept my payment and apologized for XXXX behavior. This inconsistency in customer service, coupled with unprofessional conduct by XXXX, has caused me significant frustration. 

XXXX. Interest Charges & Loan Terms When I purchased my vehicle in XX/XX/XXXX, I paid cash to receive a lower interest rate, as I was under the impression that this was part of the agreement. Despite this, I was offered a 17 % interest rate. Over the course of the loan, I have paid {$14000.00} in interest, which is excessive, considering the cash payment made at the time. I still owe {$7700.00} with 12 months left. 

Given that I have already paid a substantial amount in interest, I am requesting the following : XXXX forgiveness of the remaining {$7700.00} balance on my loan. 

A refund of the {$14000.00} in interest I have paid to XXXX. 

XXXX. Unprofessional Customer Service During the XX/XX/XXXX, call, XXXX exhibited unprofessional, condescending, and aggressive behavior, speaking over me and blaming me for being aggressive when I was simply trying to resolve my issue. This is unacceptable and unprofessional, and I have an audio recording of the conversation for reference. XXXX was so emotional and egotistical involved she did not know she was being recorded. 

I demand the following actions : XXXX removal of my debt balance of {$7700.00} Refund of the {$14000.00} in interest paid to date. 

Confirmation of corrective action taken regarding XXXX conduct and improved customer service policies to avoid future issues. 

XXXX XXXX & XXXX Steps I expect a formal response within XXXX business days confirming that my remaining debt will be erased and that the interest Ive paid will be refunded. If I do not receive a satisfactory response within this timeframe, I will escalate this matter to the Better Business Bureau ( BBB ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney Generals Office. 

Please respond to this letter promptly via email and or written correspondence. 

Under New York XXXX XXXX XXXX XXXX, I believe that Hondas refusal to accept my payment without a valid explanation constitutes an unfair or deceptive practice, especially given that another representative later accepted my payment. 

Under the Uniform Commercial Code ( UCC ) - Article XXXX, Hondas refusal to accept my payment could be viewed as a breach of contract, particularly since payment was ultimately accepted by a different representative. 

I am requesting a review of this situation, as it XXXX involve a violation of the Fair Debt Collection Practices Act ( FDCPA ) or the Truth in Lending Act ( TILA ), which mandate fair and clear treatment in payment acceptance.

Company response to consumer: Closed with explanation