Consumer complaint received 2024-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX was repossessed without prior notice of default or an opportunity to cure the default. The repossession occurred between late evening on XX/XX/XXXX and the morning of XX/XX/XXXX, at a private driveway I rent. I received a Notice of XXXX dated XX/XX/XXXX, but it was delivered after the repossession, on XX/XX/XXXX. 

Timeline of Violations : 1. Lack of Notice Before Repossession ( UCC 9-611 ) : I was never given proper notice or an opportunity to cure the default before my vehicle was repossessed. The first communication I received from Honda Financial Services was a Notice of Cancellation, dated XX/XX/XXXX, but received the day after the repossession occurred. This violates UCC 9-611, which mandates notice before repossession.

2. Breach of Peace and Trespass ( UCC 9-609 ) : The repossession agents trespassed onto my private property without my permission, constituting a breach of peace and violating UCC 9-609 and XXXX XXXX  trespass laws . 
3. Consumer Leasing Act ( 15 U.S.C. 1667 ) Violations : Honda Financial Servicesfailed to provide proper disclosures related to my rights and the repossession process, in violation of the Consumer Leasing Act. This failure prevented me from accessing critical information about my rights, adding to the undue hardship.

Immediate and Irreparable Harm : I rely on the vehicle for medical appointments and treatment for a torn ligament in my right wrist, including an upcoming XXXX. 
The repossession has significantly impacted my ability to work and meet family responsibilities. 
These actions have caused severe financial distress and emotional suffering due to the improper repossession and lack of prior legal notice. 

Contract Violations : Under the terms of my Closed-End Vehicle Lease Agreement, Honda Financial Services was required to provide notice of default and give me an opportunity to cure the default. These terms were not followed, and the repossession was carried out in violation of the agreed-upon procedures.

Legal Violations : UCC 9-611 : Failure to provide notice and an opportunity to cure before repossession.

UCC 9-609 : Breach of peace and trespass during repossession.

Consumer Leasing Act : Failure to provide proper disclosures about the repossession process and my rights.

Truth in Lending Act ( TILA ) : Lack of transparency regarding repossession-related fees and charges. 
New Jersey Consumer Fraud Act : Unconscionable and deceptive actions in carrying out the repossession.

Request for Urgent Regulatory Action : Given the harm caused by this unlawful repossession, I am requesting the following : 1. Immediate return of my vehicle so I can continue with my medical treatment and meet my family responsibilities.

2. Compensation for all feesrelated to the repossession and the financial impact of losing access to my vehicle.

3. A formal investigation by the CFPB into the practices of Honda Financial Services and its affiliates for their violations of state and federal consumer protection laws.

Company response to consumer: Closed with explanation