Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I took out a loan for a Honda XXXX a year ago. This is the third complaint I have had to file against them with your office because of their unethical and unprofessional business practices and the fact that they think they don't have to follow the FDCPA laws or treat their customers respectfully!! I work for the XXXX of XXXX  and am paid 2x a month and not on the same day. My automobile payment falls on the XXXX and my next payday falls on or around the XXXX, this time it is on the XXXX. I have a ten day grace period on this loan. If I am going to have to pay past my due date but within my grace period I ALWAYS call and let them know ahead of time AND I ALWAYS pay as promised. All of my creditors are paid!! I also asked Honda to not call my cell phone and to take it off of my account and only contact me by mail because after giving them the date I would be paying they would then continue to call me again before that date even arrived several times. So now I don't want them calling me at all and I don't intend to ever buy another Honda and will tell all I know to do the same and I know ALOT of people from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX too!!! I just called and told them less than a week ago what was going on and that I was waiting on my check and would pay on XX/XX/2020 and I made sure they put a note on my account. Then tonight at XXXX I get TWO phone calls in a row and then a message from Honda ( XXXX ) telling me to call him!!! I consider this harassment and it is listed as such in the FDCPA as well!!! Please enforce the laws on them. I again for the tenth time told XXXX XXXX did not want them calling me after I clearly had already called them ahead of time and gave them the date I would pay and that date has not even arrived yet. I asked him if he saw the note on my account and he said yes it is on the account. As well I had asked them numerous times in the past to not call my cell phone anymore, they can contact me by mail only. He then said " We won't call unless we have to! '' and asked me if I was still working and living in the same place, in other words trying to threaten me or use scare tactics that he would try to repo my car or garnish my wages!!! Please enforce the laws on them and make them stop harassing me and calling me, they clearly have this in writing, through your office now. My payment is only a couple of days late not two months late, it is no wonder they have such horrible reviews online and no one wants to do business with them. I will never again and I think they are intentionally trying to get me to refi the vehicle by harassing me this way, because I set the car up for four years of payments instead of seven and they gave me a decent finance rate, they have a prepay fee and that is the only money they would make extra off of me as I always pay on time or within my grace period. I have also let President Trump know about this!!!! I will call if my payment will be late, none of my payments will ever be past my grace period and I EXPECT to be respected and treated like a valued customer no matter what!!!! I am a twice widowed mother and live on one income and pay my bills on time and always have ALONE!!! On top of this I was having XXXX  XXXX  due to their calls this evening as they not only broke the FDCPA laws by calling me numerous times in one night and in calling me after I told them to remove my number and not call me again but only contact me by mail, but my mother was just diagnosed with XXXX  XXXX XXXX XXXX and their name is not listed on the caller ID, only the number, so I was terrified someone had called from the hospital and something bad had happened, with them calling so late!!! Make them follow the laws!!!

Company response to consumer: Closed with explanation