Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/year> approximately XXXX XXXX my XXXX XXXX XXXX XXXX was repossessed while I was visiting my brother in a private gated community in Fl. I immediately called my parents and police because I thought my vehicle was stolen, especially after my brother contact his leasing management and was told they do not have any calls out for towing and a warning is always given first. Both I and my parent were on the phone with police making a report. I was sure it could not be a repo since I just bought the vehicle XX/XX/year> and made my payments. We finally located my vehicle at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We tried contacting company or someone in office. A tow truck pulled up and we spoke with him regarding why my vehicle was taken. He replied missed payment in XXXX. I knew that was incorrect and immediately contacted the lender ( American Honda Finance ) I was told by a agent they will have to investigate and to call back on Thursday XX/XX/year>. I called and was informed that when payment was processed on XX/XX/year> it was declined due to insufficient funds. I asked why was I not notified especially since I did make two phone calls in XXXX and XXXX to make payment with other payment options. I was told they do not need to ( which I did find out in Texas they do not have to notified ) but was also told a email was sent to me which I did not receive/see it. I was denied access to acquire my personal items from both the lender and towing company. I started searching my rights and contacted the lender again. I first asked if they will obey Florida law or Texas law ( vehicle was purchased and registered in Texas ) I was told Texas. I informed them I have the rights to a inventory of my personal items and the right to retrieve my items from my vehicle. When I went to the towing company I was not allowed to go to my vehicle, a worker from the towing company went and brought back a trash bad with my personal items in it. I had to return the next day to the towing company because I was missing blessed items and a portable speaker know as a ( XXXX XXXX  ) not hard wire into the vehicle it is snapped on by a cable that is connect to amp in the trunk. No tools is required to remove the speakers. 

I filed a complaint on XX/XX/year> at XXXX with XXXX ( spoke with XXXX ) company who contracted the towing company for repossession. I informed them they entered a private gated community by tailgating another vehicle into the the gates. I also want my speaker back. I was told someone will contact me either by email or phone call. I did not hear back from anyone and called XXXX on XX/XX/year>. I was asked to submit all evidence we have including the speaker being portal and provided with a email : XXXX before XX/XX/year>. I gather everything I had photos and videos and emailed on XX/XX/year>. 

I called on XX/XX/XXXX for a status and was told they are waiting on a reply from the lender. I called again on XX/XX/XXXX and was told I was able to get my speaker but I would need to contact XXXX XXXX  and get a HOLD HARMLESS FORM. I contacted the Dealership and was told that the it was not approved to be released. I spent majority of my day back and forth on the phone with all parties, XXXX, American Honda Finance, and XXXX dealership to resolve this matter, I asked for written notification as proof, I asked to record conversation and told they will hang up on me, it got to the point that once I called and said my name I was disconnected from the call. I asked the agents at all 3 companies, if I would have left my phone connected to the charger in the Vehicle would they have return my cell phone, Lender said yes, dealership said said well that's not the situation right now.

I had my first vehicle with same dealership and same lender for almost 3 years. I had payment issues and always contacted the Lender to work with me and never had that vehicle been push for repo and I believe it's because it was an older model and year. Unfortunate in XX/XX/year> the vehicle was totaled, another vehicle rear-end me while I was at a stop sign. I was able to to purchased the new vehicle XX/XX/year> since i went through with the same dealership and lender. I strongly believe I've been targeted and discriminate due to my age ( 21 ) and ethnicity. Also the fact that my vehicle is a brand new vehicle and the lender can profit on it from a real sale and still making me responsible to pay what will be owe.

I was also told they do not need to inform me if my vehicle will be sold at auction or private sale. The lender wanted over {$3000.00} which I could not afford and was told they will not reinstate my loan, not giving me any other options except pay money.

This has put a great amount of stress on me and made me very depressed. It's unfair

Company response to consumer: Closed with explanation