Consumer complaint received 2024-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am submitting this complaint against American Honda Finance ( " AHF '' ) for conducting an unlawful repossession of my vehicle while payments were being made, denying possession of the vehicle upon inquiry, and improperly disclosing my personal information to third-party debt collectors. 


Vehicle Repossession Details : The vehicle in question, XXXX  XXXX XXXX XXXX was repossessed by American Honda Finance on an unknown date At the time of repossession, I was making timely payments toward the outstanding balance on the vehicle, and my account was not in arrears, contrary to the legal requirements under 15 U.S.C. 1692f ( 6 ), which prohibits taking or threatening to take any non-judicial action to effect dispossession of property if there is no present right to possession. 
Post-Repossession Inquiry and Denial of Possession : Upon realizing my vehicle was taken, I immediately contacted American Honda Finance to confirm the whereabouts and status of the vehicle. For XXXX months, American Honda Finance denied having possession of the vehicle, causing extreme distress and confusion. 
Disclosure of Personal Information to Third Parties : After the nine-month period, American Honda Finance transferred or sold my personal information to third-party debt collectors. These collectors began contacting me, attempting to collect additional funds related to the repossession. This act of sharing my personal information, without my consent, violates 15 U.S.C. 1692c ( b ), which restricts communication with third parties.

Continued Harassment and Misrepresentation : American Honda Finance, and the third-party debt collectors they engaged, continue to attempt collections on the repossessed vehicle, which they took without legal right. This violates 15 U.S.C. 1692e, prohibiting false, deceptive, or misleading representation in connection with debt collection.

Violations of Federal Law : The actions of American Honda Finance constitute violations under the following U.S. Codes and sections : 15 U.S.C. 1692f ( 6 ) : Unlawful repossession while payments were current, indicating no legal right to possess the vehicle.

15 U.S.C. 1692c ( b ) : Unlawful communication of personal information to third-party debt collectors without my consent.

15 U.S.C. 1692e : Misrepresentation of the debt status and the continuing demand for payment on a repossessed asset. 
Requested Resolution : In light of these violations, I request the following remedies : Immediate cessation of all collection activities and third-party debt collection contacts regarding the repossessed vehicle. 
A full refund of all payments made before and after the illegal repossession and the down payment, as well as compensation for any additional fees or damages resulting from this act. 
Written confirmation that my personal information has been removed from any third-party databases and assurances that such information will no longer be shared. 
A formal acknowledgment from American Honda Finance regarding their unlawful actions, with an assurance that corrective measures will be taken to prevent future incidents. 
Compensation for emotional distress and any additional expenses incurred due to the wrongful repossession and subsequent mismanagement of my personal data. 
Attachments : Documentation of payments made at the time of repossession. 
Call logs or written correspondence with American Honda Finance regarding the status of my vehicle. 
Any correspondence with third-party debt collectors.

Company response to consumer: Closed with explanation