Honda Financial Honda Financial Refusing Final Payment - Dropped Credit 200 Points

 First off, in GRADE SCHOOL we learn the CORRECT way to write dollar amounts. This has NOT changed even though the dumbing down of this society is rampant. So then, the figure is $7500! All thru your report you mentioned what documentation you had but no where did you say "I HAVE A RECEIPT OF MAKING THE FINAL PAYMENT" and in reality, that is the ONLY evidence which matters. Having "X" number of dollars in the bank DOES NOT MEAN that payment was made in their eyes! Unless you sent them cash, (which I doubt you would have done), if you made that final payment, there should be bank evidence of that! Do you show that payment in YOUR written records of debits and checks? I'll bet you don't even keep written records of your account usage because if you did, you could find that payment whether it was by check or card in a heartbeat! What about bank statements? Do you ever read them to make absolutely sure every debit is legitimate? In that case, you could find that payment but I doubt you've never even balanced your account to make sure YOUR RECORDS corresponded with the BANK RECORDS and there were no bank errors or fraudulent activity. That's how smart consumers manage their accounts! Unless you can come up with direct proof of payment, the balance they claim is owed is going to stand. What if you do find that EVIDENCE of payment and that payment was made some time ago? What I would do is make a copy of that evidence and send it CERTIFIED MAIL, RETURN RECEIPT REQUESTED so you know they received it. Before you send out anything, go into the dealership or any other Honda store and have a conversation with the finance manager. Tell him/her very briefly about the problem and ask if they can give you an address of their contact and you send this to them and not the general mailing address. That finance person should be very happy to help you because with your car paid-off, they certainly would like to make another sale to you! With the evidence, you include a typed or printed one page note saying because of their mistakes (assuming you already paid it) you have evidence your credit record has been damaged thru no fault of your own and you expect them to correct this thru their efforts with the credit bureaus in a very timely fashion otherwise you will seek advice of Counsel because YOUR credit reputation has been damaged not by your failure to pay but via a mistake on their part to properly credit you. The lesson here is very simple. Learn how to manage your checking account by YOU keeping your records and then verifying them with the bank's when you do the regularly monthly balancing of your account. Nothing has changed in financial management. Responsible people keep their own records, just like always when in a more common sense filled society, people kept a check register. If you would have been doing this, you would have resolved this long ago.