Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this statement to explain the circumstances that caused my account to fall behind and to formally request assistance in resolving my obligations. 

My financial hardship began after I was required to undergo * * emergency XXXX * *, which resulted in me being * * out of work * *. I completed all required paperwork for * * XXXX * *, however, as is common, there was a delay while my information was being processed and entered into the system before payments could begin. 

During this same period, the * * government stopped issuing payments and then experienced a shutdown * *, which resulted in * * no income at all * * for a period of time. As a result of these combined XXXX  XXXX, delayed XXXX processing, and government shutdownXXXX had no way to maintain my normal payment schedule. 

Throughout this time, I made repeated efforts to communicate and resolve the situation responsibly. I contacted XXXX XXXX XXXX XXXX * Ask what type of payment I could make * Inquire about any programs available for situations involving medical hardship * Seek guidance on how to bring my account back to current status I was informed by a representative that I was required to pay * * XXXX, XXXX, and XXXX payments totaling {$1500.00} * *, and that failure to do so would result in repossession. I asked whether there were any programs or options available given my circumstances and was told there were none because my account was approximately 100 days behind. 

In good faith, I mailed my * * medical documentation and related paperwork * * to the XXXX processing address ( * * XXXX XXXX  XXXX, XXXX, GA * * ). My intention was to ensure that my situation was fully documented and reviewed. 

I also requested to speak with a supervisor and was transferred to the collections department. I was then told that if full payment was not made by * * XXXX PM * *, my vehicle would be placed into repossession status. I asked if I could submit * * partial payments * * while awaiting income restoration and was told that partial payments would not be accepted and that only the full amount would prevent repossession. 

I want to be very clear : * * I am not refusing to pay * *. I am asking for someone to work with me so I can take care of my obligations responsibly. The stress caused by this situation is directly affecting my health and recovery, making it difficult for my body to heal properly and affecting me emotional. I'm asking for assist. 

My request is simple and made in good faith : * Assistance or review of my hardship situation * An opportunity to bring my account current * A reasonable path forward so I can keep my vehicle and move forward responsibly Thank you for your time, consideration, and understanding. I am hopeful this matter can be resolved cooperatively. 

Sincerely, * * MEDICAL STRESS ADDENDUM * * * * In Support of Hardship Review and Account Resolution * * To Whom It May Concern, This addendum is submitted in support of my previously provided hardship explanation to document the * * medical impact and health-related stress * * associated with my current financial situation and ongoing account dispute. 

I recently underwent * * XXXX  XXXX * *, followed by a period of medical recovery that required me to be * * out of work * *. During this recovery period, I was awaiting the processing and commencement of * * XXXX and short-term XXXX benefits * *, which resulted in a delay in income. During the same timeframe, a * * government shutdown occurred * *, further disrupting income and financial stability. 

As a result of these combined events, I experienced a period of * * no income * *, which directly contributed to my account falling behind. I proactively contacted XXXX XXXX multiple times to explain my circumstances and request assistance or guidance on available options. 

The * * ongoing stress related to the threat of repossession * *, repeated payment demands without accommodation, and lack of meaningful review has had a * * negative impact on my physical recovery and overall well-being * *. Elevated stress during XXXX recovery is medically recognized as a factor that can : * Interfere with the bodys healing process * Prolong recovery time * Exacerbate pain, fatigue, and related symptoms I am not submitting this addendum to avoid my financial responsibilities. Rather, I am documenting that the * * current level of stress and urgency is medically counterproductive * * and that a reasonable, cooperative resolution would support both my health and my ability to fulfill my obligations. 

I respectfully request that this addendum be : * Added to my account record * Considered as part of any hardship or escalation review * Considered when determining the timing and reasonableness of any collection or enforcement actions My goal remains to * * recover fully, stabilize my income, bring my account current, and continue my lease responsibly * *. I am asking for understanding, reasonable accommodation, and good-faith review during this medically sensitive period. 

Thank you for your consideration. 

Sincerely,

Company response to consumer: Closed with explanation