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Report: #585847

Complaint Review: American Honda Finance Corporation - Internet

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  • Reported By: Jennifer — baltimore Maryland U.S.A.
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  • American Honda Finance Corporation Internet United States of America

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hello all! ok here's my story....every year at tax time in jan, i get my taxes back and i pay my car payments for a full year. Just incase i lose my job or something happens i wont get a repo. well i have a 2005 honda element so its coming to an end on the contract.

I owe 3,700 dollars. every tax time i give american honda finance corporation around 5,300 dollars to take care of the payments like i said.This year since i only had like 6 payments left, i called them in jan when i got my w-2's and told them most likely i will be paying it off, considering im buying a home soon and i dont want both car+home payments, this was in jan. well i didnt pay jan or feb payment because my taxs only take a week or two to come back and i file them right away. I admit i was doing bad with money at the time.

And when they came back it wouldnt be that late and i had no other choice because my hours were cut at work, so my credit report was going to just have to have the late payments reported.well i got my taxs back late because of a problem at the irs with student loans...i got them in march instead of feb, which made it 3 months behind.i received a certified letter and i didnt go to get it at the post office because i knew what it was-saying blah blah were coming so pay. you as soon as my money came into my account from taxs i called them and through their automated system the honda speedpay i sent 1,400. Not 3,700 to pay it off completely.

because of my hours being cut i thought it would be in my best interest to save some money incase we all end up getting laid off. well this was tuesday morning march 23 2010. i get home at 11pm from work and park my suv and went to bed. Wednesday morning i wake up to take my kids to school and low and behold my suv is gone. i knew right away because of the skid marks on the ground leaving out of my parking lot.

9am rolls around i call them, and yes they took it. I tell them i paid yesterday? the full amount plus late fees! everything that was owed and i said i only have 3 car payments left. they asked me why i didnt pay the car off like i do every year? I said i cant afford it, my job has me at part time right now and i have student loans in repayment. she them starts to tell me how much everything is going to cost-350.00 for the repo (towing) and 40 dollars a day for the suv to sit at the repo lot. Im mad but at this point i just need my suv back, i said ill pay please ill lose my job i have 2 kids.

they say were going to need lots of things or you wont be getting it back at all. i said yeah right....i have savings and i will have enough no matter what you do to get it out. their really mad, and they say i have to reestablish my loan. i said what! i already have a loan with you people i dont have to jump threw hoops to get my suv back it was paid when you took it, you repo'd a paid car! she says she cant see any payment in their system. She tells me i have to go to the bank and tell the bank m and t, that

i had a repo and i need a letter head saying the money was sent through their speedpaid and that it cleared..because if they give me the suv back and it didnt clear i will be stealing the car! so i went to the bank got the letter from the top bigwig at the bank, very embarrassing to say the least. among the long list of things needed was, 2 paystubs recently-i said i take my mail to my suv and my recent ones are in my suv! i had to tell my boss the situation so the payroll lady could reprint stubs, then she said they need 4 references with phone numbers so they can call, a letter from the bank manager like i already said, and my monthly statement from m and t bank, so they could "see if i could even afford the suv" they made me fax them my bank statements so now they even know how much i have in the bank.

well its been 4 days, i still have NO suv, i had to rent a car from enterprise for 200 down and 50 a day. i call them all day pleading and begging. they are telling me its in process, and i have to wait untill a manager gets time to review my case-meanwhile the tow yard is charging 40 a day for storage. my money is almost gone...and worst of all they did this on purpose because they told me on the phone if you just pay it off this can disapear and you can get your car today...i was ready to cry. I had to hang up, i feared they were never going to give me my suv back. i even called my lawyer, she told me she doesnt do repo law and to contact the attorney general. im in the process of telling them and faxing things to them now.

i dont know how far that will this point i just dont know, my rent a cars due back tomorrow and i guess i am shyt out of luck from there on out. i got so desperate when they were hanging up on me and things i told them i was advising them i was recording the conversation because they were saying crazy things...and he said he declined to be recorded and hung up on me....    thats my story  please do not get a car with American Honda Financial-----they will ruin your credit report! and your life!

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#12 Consumer Comment

Robert the "provocateur" strikes again...

AUTHOR: Ronny g - (USA)

POSTED: Saturday, March 27, 2010


Provocateur:Pronunciation: \pro-?v-k?-'t?r\

Function: noun , one who provokes

Internet Troll
: In Internet slang, a troll is someone who posts controversial, inflammatory, extraneous, or off-topic messages in an online community

Bear in mind, these are not "my" definitions, but can be found by searching the definitions online, there is no shortage of information available to anyone.

Certainly the replies regarding the picture of this poster is off topic, as even a moron should be aware the TOPIC of this report is the repossession. So why does anyone care to only mention the picture, and not the complaint? Why not just ignore it, or admire/envy it to yourself?

Now why Robert has chosen to do exactly what these definitions imply against me personally, and then accuse me of the same, is beyond me.

And as far as "not getting attention", apparently, I got Roberts.

But my only intent was to put some of the trolls in their place for posting responses that have nothing to do with the OP's complaint. I do not have to defend myself or verify the FACTS for that, the posts speak for themselves. If I am going to be considered a troll by trolls because of the fact that I am pointing out trolls, I can live with that. It will not have any negative impact on my personal life whatsoever.

I just happen to be someone who does not tolerate nonsense, belittling of posters, trolls that have nothing better to do then try to hurt peoples feeling who lodge complaints here, and to be a fair consumer advocate. If anyone feels I am being unjust or a bit harsh, tough cookies. There is certainly nothing wrong with showing a little compassion towards someone who is suffering financial loss and incurring hardship because of what happened to them, regardless of the cause.

But there is plenty wrong in trying to discredit/belittle/insult someone with personal insults and completely ignoring the facts of the complaint on a website specifically set up to lodge consumer complaints and rebuttals. And every time I witness this arrogant, provocative, hostile behavior, I will give it back it droves. And I will have no trouble sleeping at night because of it.

If ignorant people wish to provoke, then they shall reap what they sow.


 Ronny G.
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#11 Consumer Comment

Trolling again Ronny?

AUTHOR: Robert - (U.S.A.)

POSTED: Saturday, March 27, 2010

I have a feeling those that are so bothered that she posted it, probably look a lot more like the second picture she get over it you ugly seahags.

- I see that you are trolling again, posting things that you hope will get a rise out of people.  That's how trolls work.  You posted a response in the hope to get a rise out of someone.  The next post didn't mention you specifically so you figure you better "Step it up a notch", in the hopes that someone will pay attention to you.  Sounds sort of like the spoiled kid.

And now for our viewing pleasure, I am sure that this will generate the usual response from Ronny about who he feels what a troll is, and various unrelated subjects.  If we don't respond in time I am sure he will post again.  But just like the spoiled kid he will eventually give up because no one is paying attention to him. 

Well Ronny since I post here to help people.  I really hope that I helped you today by giving you the reaction you were hoping for.

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#10 Consumer Comment

Car rip off

AUTHOR: jleetw1 - (United States of America)

POSTED: Saturday, March 27, 2010

Damm,   I wonder why they did that to you? I would have given you the car...

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#9 Consumer Comment

So she posted her picture...

AUTHOR: Ronny g - (USA)

POSTED: Saturday, March 27, 2010

What is the big deal about that?  Apparently she was unfamiliar with this site and step 3 stated to post a picture, so she thought it meant her picture, I do not see the issue at all.

Actually, she is an attractive girl. I have a feeling those that are so bothered that she posted it, probably look a lot more like the second picture she posted.

Regardless, it has nothing to do with the complaint, and does nothing to take away her credibility as a poster here, so get over it you ugly seahags.

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#8 Consumer Comment

Double Duh

AUTHOR: Christiana - (U.S.A.)

POSTED: Saturday, March 27, 2010

Not YOUR picture.  Sheesh.

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#7 Consumer Comment

Now stacey..why so bitter?

AUTHOR: Ronny g - (USA)

POSTED: Saturday, March 27, 2010

Fist off...lets copy your statement...

"Yes you can post a picture but not YOUR picture - jees - this isn't myspace of facebook - learning to spell would help too

jees?, myspace of facebook?  Oh wait, I forgot only you are allowed to make mistakes..anyone else can be ridiculed and belittled by you if they that how it works?.

So big deal, the girl posted her picture because she misunderstood the request, and she made some typos...what does this have to do with her complaint? She is not a professional troll like you looking for trouble. She is simply doing what this site is intended consumers and for consumers to lodge a complaint for all to see, and for the company to respond to the complaint and/or make good.

Did she mess up by being so late? Yes, and apparently she is well aware and paying dearly. At the same time, she was almost paid off and usually paid a year in advance. Does this mean she is owed and special favors from the finance company. No, it does not.

However she has a history of good payment, but like many people she is going through a tough time with cut hours and layoffs, and she has 2 kids. Talk about "jees"..have you no compassion for anyone?

And she also states she did get a payment in, and they took the vehicle anyhow and are now making her jump through hoops. Right or wrong, I think her report qualifies as complaint worthy at the very least.

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#6 Consumer Comment

A picture??

AUTHOR: Stacey - (U.S.A.)

POSTED: Friday, March 26, 2010

Yes you can post a picture but not YOUR picture - jees - this isn't myspace of facebook - learning to spell would help too

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#5 Author of original report

re; my picture being vain! lol ripoff report asks for a picture

AUTHOR: veronica smith - (USA)

POSTED: Friday, March 26, 2010

duh you must be a smart one....ripoff report asks for a not embarrassed one bit, to show my face. and as for not picking up the phone and calling them, i most certainly did , several times. i just didnt pick the letter up as stated because i couldnt get off work before 2pm when the post office closes here....thankyou

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#4 Consumer Comment

now the helpful part

AUTHOR: desertlegion - (United States of America)

POSTED: Friday, March 26, 2010

Also I forgot the information that could help you get your car back, sorry. Go to a locally owned bank where you could know someone (good old boy system) and ask if they will refinance the remainder on your car. It might be a little higher interest rate than you want, but it is only a few thousand dollars. If a bank calls up Honda fin with a purchase approval honda will get you your car that day. I'm not dogging age here (everyone has to start somewhere) but don't go talk to the 22 year old loan officer, go talk to the old man that sits behind him. He is more experianced and is allowed to make riskier decisions.

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#3 Consumer Comment

Really bad timing

AUTHOR: desertlegion - (United States of America)

POSTED: Friday, March 26, 2010

Sorry about your car. However bad it was, the main thing is your timing. I will grant you with Honda fin. being a really bad company that will really not try to help you much. But, Your timing on the payments and repo are the what really screwed you. By the time a car hits the list for not paying to the time that it is actually picked up can be up to a month. Honda fin likes to jump at the one or two month point of being behind, most local banks will give you one month with a letter, two with a certified letter and a phone call or visit and repo on the third month. Timing timing timing. when you paid your payment it will still take a few days to show up in the system, it sounds like Honda fin had just cut the orders to repo your car. Those orders can take up to a week to get into the tow truck drivers hands, less if you live in a smaller city. So your payment might have made it to the bank, but your car was already on orders for repo. Unfortunatly that falls onto you due to being late to begin with. Any time you are going to be late, call them and let them know, but also email them so you have a track of your conversations. And keep in mind that when you call chances are you are going to talk to someone that is outsourced to answer the call and they really don't know, care or whatever. What you get over the phone is almost never the right answer unless you are dealing with a local bank. Always get it in writing. When you have it in writing the tow man will still come get your car, it isn't his say if you get to keep it or not, but you take the email to Honda fin and the dealership where you got it (if it was purchased new) and politely demand that they fix this error and take any incurred costs on thier part. Most of the time if a large dealership helps you then they are more likely to assist you. That is where thier buisness comes from. I am not a banker, but will tell you ALWAYS deal with a local bank. Avoid large fin companies cause they have enough contracts that one customer doesn't matter, but a local bank won't take that chance. I really don't like Honda but Honda fin and the car manufacturer are two different companies with an agreement to work together. On your next car purchase go and talk to a local bank for the loan. On repos most of the cars that we get are defaulted loans from major nation wide lenders, local banks are more forgiving and will to work with you. When you have a car that is on repo it actually costs the lenders as well, it is just an attempt to lessen the losses to the lender.

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#2 Consumer Comment

This was your fault

AUTHOR: Amazed - (United States of America)

POSTED: Friday, March 26, 2010

Sorry but Honda has no fault in this issue at all.

You were three payments behind, you did not call them, you ignored the certified letter. How can you say that they ruined your life, credit etc. when you did not simply pick up the phone to call them. And as for having to refinance well that is standard with any finance company.

So in the end your poor judgement caused this to happen. Do not try and blame someone else for your mistakes!

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#1 General Comment

what does your picture here have anything to do with your complaint?:

AUTHOR: IamGood - (USA)

POSTED: Friday, March 26, 2010

Are you so vane, that you feel you want to show the whole world your picture????


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