Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I am filing this complaint regarding Bank of Hawaiis repossession of my vehicle on XX/XX/XXXX, and the banks failure to provide required notice, timely disclosures, complete documentation, and a complete written response resolving my dispute.

The vehicle was physically taken from my residence on XX/XX/XXXX. However, Bank of Hawaiis own repossession assignment and notice documents are dated XX/XX/XXXX and XX/XX/XXXX, creating a material dispute as to whether valid repossession authorization and legally required notice existed before the seizure.

Immediately prior to the repossession, I was actively engaged with Bank of Hawaii in hardship/loss mitigation and had submitted identity-theft/fraud documentation and requests for review. Despite this, the repossession proceeded.

Following the repossession, Bank of Hawaii failed to provide the vehicles location, storage facility name, or contact information. I was unable to determine where my vehicle was held or how to retrieve it or my personal property. This information was only provided after I affirmatively requested it, and not until XX/XX/XXXX, via email from XXXX representative XXXX XXXX. 
Material issues remain unresolved, including the repossession timeline and authorization, notice delivery, disputed fees and accruals, personal property loss, delayed post-repossession disclosures, and failure to provide a complete written response.

Timeline ( Condensed ) XX/XX/XXXX : XXXX issued Notice of Delinquency and Potential Repossession. 
XX/XX/XXXX : XXXX sent hardship/loss mitigation options ; I responded and submitted identity-theft/fraud documentation and requested review/holds. 
XX/XX/XXXX : Vehicle repossessed from my home carport. 
XX/XX/XXXX : Repossession Assignment Notice dated XX/XX/XXXX. 
XX/XX/XXXX : Repossession Notice dated XX/XX/XXXX. 
XX/XX/XXXX : Partial documents provided via secure portal. 
XX/XX/XXXX : Vehicle location disclosed only after I requested it. 
After XX/XX/XXXX : No complete written response or global resolution provided.

Allegations Defective repossession timeline and authorization seizure occurred before or contemporaneous with XXXX own repo documentation.

Active hardship/loss mitigation ignored at time of repossession.

Disputed fees and accruals without full itemization or legal basis.

Personal property loss two controlled-access stickers ( {$200.00} each ) not returned or reimbursed.

Failure to provide required documentation despite repeated requests.

Failure to timely provide vehicle location information impairing mitigation and recovery.

Harm / Impact Loss of transportation and financial hardship Risk of inaccurate credit reporting Personal property loss totaling {$400.00} Increased damages due to the delayed disclosure of the vehicle location As a direct result of the loss of my vehicle and the banks delayed disclosure of the vehicles location, I experienced transportation instability that materially affected my family. During this period, my minor son was unable to continue attending school due to a lack of reliable transportation caused by the repossession and related delays.

Company response to consumer: Closed with explanation