American Honda Finance Corporation / Deceptive and abusive practices
As many of us have struggled in this past year, I have struggled at times as well to conscientiously make good on my loan agreement and make on time payments. At the time they came unannounced and repossessed the vehicle, I was one month behind (going on two). I attempted to make a payment on the loan that amounted to one payment. They refused to accept it stating they would accept all or nothing. They soon came and took the car in the middle of the night with absolutely no notice shortly after they had refused the offered payment. They had repeatedly spoken with my husband without my consent who made when casually asked statements in light of when he thought he was going to be able to pay which they later called "promises". These “statements” were in exchange with my husband and not myself while I am the owner of the vehicle. These broken promises were reportedly one of the main reasons the car was repossessed. I am basing this complaint upon: 1.) the repossession of my vehicle based upon supposed broken "promises" that were made with my husband while I was not even consulted; 2.) Honda Financial Services refusal to accept payment for the car which resulted in being a sick and twisted tactic to watch us become more and more behind so that they would eventually come to repossess the vehicle; 3.) and the abusive and unprofessional nature of the majority of the agents who are calling average people that may be honestly struggling and honestly trying. Its not right and its not good business. I know the collection business is by nature a sadistic and bullying business but it is not a necessary or civilized way to do business.
There should be some sort of guidelines, or laws, regarding the behavior of these agencies. A time frame, an amount of days past due, an amount of times past due, notice of repossession intent so that the debtor has the right to voluntarily return the car and avoid repossession charges or to take perhaps the drastic measure necessary in order to acquire the money necessary to keep their vehicle. It is an embarrassment to our level of civilization to allow these predators to roam freely and to wreak havoc on individuals who are struggling to make ends meet and trying to meet their obligations honestly. In light of the economic disaster that has taken place globally in recent times, this is an absolute slap in the face to all Americans, especially the ones who have lost so much, to permit these types of agencies to take advantage of the public in such a way.
This company purposely employed deceptive and manipulative practices and I have never been treated worse and more unprofessionally than I was during my distasteful experience with this company. The agents calling were intentionally ambiguous, rude, disrespectful, insensitive and abusive. They were absolute tyrants. These types of people should not be allowed, if by the law, to behave in such a way. It is scandalous! At the least I would like this complaint to result in the advising of consumers to stay away far far away from this company.
There are numerous complaints against this company on this website alone. I have submitted a complaint to any one and everyone I can possible think of including the BBB who is currently investigating the complaint with this company. Why are we all taking this abuse???