Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I am writing to formally document and request resolution regarding an issue that has negatively impacted my credit and caused ongoing frustration and anxiety. 

In XX/XX/XXXX, I purchased a XXXX XXXX XXXXmy second loan with American Honda Financial Corporation ( AHFC ). My first payment was originally due on XX/XX/XXXX. Given my pay schedule, I contacted AHFC in XX/XX/XXXX to request that my payment due date be adjusted to the XXXX of each month, in line with my previous loan on a XXXX XXXX XXXX, which was consistently paid on or around the XXXX without any late payments. 

At that time, an AHFC representative informed me that the first payment would need to be made before the due date could be officially changed. I asked whether a late fee would be assessed and if this would negatively affect my credit. I was assured that the late fee would be waived and that no negative credit reporting would occur. 

After making the payment, I called AHFC to confirm that it had posted and to ensure that the due date had been successfully updated to the XXXX of the month. The representative confirmed both actions. Unfortunately, I did not request written confirmation of the change. Weeks later, I discovered that the due date had not been updated as promised. 

Whats more concerning is that no courtesy call or notification was provided to alert me that the change had not been completed. Additionally, the representative did not mention at any point that the payment may have been misapplied or linked to an incorrect account, despite the XXXX Accords payment being {$580.00} ( compared to the XXXX Accords {$630.00} ). 

Between XX/XX/XXXX and XX/XX/XXXX, I made several follow-up calls to resolve the issue. I requested to speak with a supervisor on two separate occasions. Each time I was told a supervisor would call me back, but I never received any voicemails or confirmation that a call was made, despite follow-up inquiries.

During these calls, I was repeatedly assured that any late fees would be waived and that there would be no negative impact to my credit. While the late fees were indeed waived, AHFC still reported the account as delinquent to all major credit bureaus. This has resulted in a significant drop of over 60 points to my credit score.

I contacted AHFC customer service again to file a formal complaint. However, I was told that there was nothing more they could do beyond documenting my concerns. I then requested written documentation to dispute the inaccurate credit reporting. A representative advised me to send a letter to AHFC at XXXX XXXX XXXX, XXXX, TX XXXX. 

On XX/XX/XXXX, I mailed a certified letter to this address to formally dispute the inaccurate reporting. I have made every effort to resolve this matter in good faith and fulfill my obligations as a customer. However, AHFC has failed to follow through on its assurances, respond with transparency, or assist in correcting the damage done.

This situation has not only impacted my credit but has also caused undue stress as Ive spent months trying to resolve what should have been a simple request. I am asking that AHFC : Issue a written confirmation that the negative credit reporting was made in error.

Submit corrected information to all major credit bureaus immediately. 

Provide documentation acknowledging the internal mishandling of my request and the assurances I was given. 

I hope this can be addressed and resolved promptly.

Company response to consumer: Closed with explanation