Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
On XX/XX/year>, I spoke with representative XXXX XXXX from American Honda Financial Center ( AHFC ). I had made a verbal payment arraignment to pay the past due balance of XXXX on XX/XX/year>, to bring my account current. XX/XX/year>, was the due date of my payment and confirmed by Honda Financial. On XXXX I had just pulled into the driveway, and the rear of my vehicle was lifted up by a repossession agent from XXXX recovery. The repossession agent gave me a repossession order that was inaccurate ; stating that my account was delinquent since XXXX. I had shown him that I had made a payment to XXXX totaling {$810.00} on XX/XX/year>. The repossession agent stated that I needed to contact AHFS the next day to get this resolved and I could get my car back, they threatened that if I did not comply, I would not get my car back and be listed as a non-compliant and lose my rights to get my car back. Breach of Peace Under XXXX XXXXXXXX was violated as my vehicle was lifted while I was occupying the driver 's seat and no communication of occupancy or VIN number verification. I contacted American Honda Financial Services XXXX XXXX ( XXXX ) times on XX/XX/year>. ( XXXX ) XXXX for XXXX minute as they stated their system was down via recorded message, ( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX for XXXX minutes ( XXXX ) XXXX for XXXX minutes ( XXXX ) XXXX for XXXX minute and XXXX for XXXX seconds all stating that no one could help me accept a payment, or provide me a connection to a manager/supervisor or resolve my issue. I spoke with XXXX the representative that answered the call ; she had stated that they did see a call from XXXX on XXXX however he did not leave any notes of a payment arraignment and said that I would like to speak with a XXXX about an illegal repossession and I tried to pay the XXXX that was due per the agreement on XX/XX/year>. She stated they could not take the payment until my account was looked over by a supervisor/manager and that it would be up to XXXX hours to complete. I called XXXX other times to complete the payment as agreed upon and all were declined. On XX/XX/year> I contacted XXXX XXXXXXXX ( XXXX ) times XXXX XXXXXXXX I spoke with XXXX XXXX ( XXXX Minutes ), and explained the situation, he immediately became defensive and stated that I never talked with him or made any arraignment. I asked him to connect with a manager or supervisor he stated that none are available and that I would not hear from them until Monday XX/XX/year> XXXX days after the repossession. XXXX contested that he never spoke with me or had any conversations and that the repossession order stands and I would not get my car back. I asked him how I had his name ; information pay date, payment amount and vital information to the transaction if he did not speak with me and he could not provide a response. It was communicated from another employee that he had a history of not making notes regarding arraignments. XXXX stated that I was a liar and that regardless of his managers outcome I would not get my car back. I also offered XXXX to pay the balance due to get my care back and he declined, stating there is nothing he could do. at XXXX I spoke with XXXX again ( XXXX minutes ) and I explain that I just had a humiliating conversation with XXXX and I would like to speak with a manager and she informed me that the manager had called out for the day and she tried to get me in touch with another manager however she could send them an email to get me a response ASAP. I offered to pay the past due balance and pay off the balance of the car of the loan within 30 days I was starting a new job on XX/XX/year> and needed my car back to get to work. she also declined stating there was nothing they could do to help without a manager or supervisor. I asked for a breakdown of the fees due and assessed so I could pay whatever was needed and get my car back. she stated that I needed to contact the recovery team as they had still not processed my paperwork ; I asked if the paperwork has not been completed than why can not I not pay what's due and stop the process. She stated that only a manager could do that or to contact the recovery team. She provided me with the information for XXXX XXXX XXXX were I spoke with XXXX, she stated that AHFC has not completed the paperwork and she could not do anything to release the vehicle, I needed to get back on the phone and speak with AHFC. At XXXX I spoke with XXXX and stated that I needed to speak with a manager. I offered payment to pay the past due balance, and she told me that if I wanted to pay it on time I should have sent it via XXXX XXXX yesterday. I told her I did not know the information and where do I need to send it and I'll get it paid right now. she stated that I missed the payment date and that there was nothing I could do to get my car back. At XXXX I spoke with XXXX again and stated that I had gotten approved to pay off the XXXX with an outside loan to get my vehicle back and wanted to find out where I needed to send the payment. She declined stating that I would not be able to pay to get my vehicle back. I told her that AHFC is failing to provide owners of rights post repossession, they are illegally charging me unposted storage and recovery fees, wrongful repossession when there was an agreement. AHFC has failed to act in a manner that is beneficial to owners by imposing fees with no course of action to get the wrongful repossession resolved.

Company response to consumer: Closed with explanation