Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: AP

Complaint narrative:
Subject of Complaint : Taking advantage of vulnerable military personnel and dependent protected under the Service members Civil Relief Act ( SCRA ) and causing emotional distress due to unfair billing and contract practices. 
Complaint Summary : I am submitting this complaint against American Honda Finance for their unfair treatment and disregard of the Service members Civil Relief Act ( SCRA ). As a dependent member of the military, I was forced to surrender my vehicle due to military orders that required me to relocate outside of the United States as the company did not allow transport of vehicle. Despite following the necessary procedures under SCRA, American Honda Finance has used this situation to take advantage of me financially, causing undue stress and emotional distress. 
On XX/XX/year>, I made a payment that covered XX/XX/XXXX to the XXXX of the month of XXXX. This payments due date was XX/XX/XXXX. At the time of the payment, I was uncertain whether I would be able to surrender the vehicle during the month of XXXX. However, after payment was made on XX/XX/year>, I received approval to surrender the vehicle due to military orders and protection under SCRA laws for requested surrender date of XX/XX/year>. 
After surrendering the vehicle, I notified American Honda Finance, explaining the situation and informing them of the early payment I had made cover base rent for XX/XX/XXXX XXXX XX/XX/year> and that vehicle was not in my possession during those times. Representative XXXX reviewed my account and stated refund will be issued by mail to my mailing address. I called and notified a male representative that site would not allow me chose an address outside of US this male representative advised me to change address to trustworthy party like a family members US address to receive refund. After some time passed without receiving check I called to determine delay. I was met with an extremely rude male representative who stated that I will not be receiving a refund he admitted that if the payment was not made on XX/XX/XXXX they that would not be requesting that payment be made at all but, due to me deligently paying early for those dates they are entitled to that payment regardless of wether the vehicle was in my possession. I further contacted the American Honda Finance SCRA representative who claimed that the payment should not be refunded or adjusted because the contract was extended by 13 days due to a change in the due date at the beginning of the contract. 
Given that the vehicle was no longer in my possession after XX/XX/XXXX, I believe the payment should have not have been required and refunded. The company couldnt even offer prorated option and adjust accordingly to 14 days from original due date which would have been the XXXX of each month. If American Honda Finance is claiming that the contract monthly due date change caused this charge they should not be requesting a full months payment in the first place as 14 days would be the difference between original due date and surrender date. The excessive demand for a full month 's payment, when I no longer had possession of the vehicle, is unjustified. I have always made timely payments and had every intention of continuing the contract until military circumstances required otherwise. 
This situation has caused significant emotional distress and financial hardship as the move has required out of pocket costs, I feel that American Honda Finance has exploited my vulnerable position as a military service member dependent. 

Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation