American Honda Finance Corporation

After Reading the following I need your repose in writing as to the reason(s) why a correct Retail Installment Contract be written. In Advance I thank you for your help and cooperation.

January 18,2024

Via Certified Mail

AMERICAN HONDA FINANCE CORPORATION

P.O.

Box 168008

Irving,

TX 75016-****

Via Email & Certified Mail

Acura of Fayetteville

1418 W. Showroom Dr.

Fayetteville, AR 72704

Att:Joe BittengleGeneral ManagerAcura of Fayetteville

Good morning,

Im writing this letter as a follow-up to the conversation I had with Acura Financial Services (ASF). The primary reason for that call was to discuss EasyPay and If I had been enrolled in it.

If you refer to previous correspondence, that I had sent, you will see that I had a concern regarding the monthly payment and if it shouldve been reduced in accordance with the cancellations that I asked for and received back June 2023. This discussion took some time, and I was told that because the contract (Retail Sales Contract) had already been in place with a fixed monthly payment (14,454.74)snd that it could not be altered, but the excess amounts that were being paid and over and above the existing payment would be the applied; thus reducing the time the loan would paid off and fall which has a current termination date of June 15, 2028.

As your online system shows a copy of the online contract is not available; when I asked for it I was told that its the same as the Retail Installment Contract that I

entered June, prior to any deductions made for the cancellations that were made, a copy of that contract is enclosed.

As I explained in previous correspondence, the information on this document is clearly wrong, as the amount being finance is not $77,278 but should be $74,282.59, after factoring in all of the cancellations that had been requested back in June.

I am again enclosing a copy of that worksheet for your immediate reference and convenience.

The reasons I asked for a copy of the new Retail Installment Sale Contract was to show the corrected amount financed along with the corrected finance charge and total payments. Again, I was told no such instrument was available, and that the entire program was based on the Retail Installment Contract, entered on June 13, 2023.

The Retail Installment Contract, which was entered into on June 13, 2023. must be considered Null and Void because of the corrections that were made after that date and reflected in your online systems.

Your online system shows that if we use the amount entered on the Retail installment Contract of $77,278 the principal amount due as shown on the most current screen of your online system of $63,756.95 is close to the calculated number that I came up to o $63,847.93. The difference can be attributed to the operations of each specific application being used by ASF, and myself.

If we use the corrected amount to be finance of $74,282.57 and apply at the same amounts that have been paid into the account for the principal due on the same date as your online system, the payoff would be approximately $60,852.50.

I am using $121.34 as the amount being applied each month to principal that should correct the payoff date somewhere prior to June 2028 and back to approximately 2026.

Hopefully now youll see the importance of receiving a revised Retail Installment Contract along with a new payment schedule that Ive been asking for.

I am sending this correspondence via registered mail with a return receipt requested to both your office, and that of ASF so that there is no misunderstanding when it comes to the end of the term that should be shown based on the corrected amount of $74,282.57.

You will also receive a copy of this correspondence via email, but I do not have an email address for ASF.

Should there be any questions please call or email your concerns and questions but again to be repetitive so that there is no misunderstanding by either your office or that of Accra financial services I will be proceeding with the understanding that the term of the contract will be somewhat less than June 2028 based on the revised finance amount and the current interest rate of 4.9%.

Again, I thank you for your anticipated cooperation, and that of Acura thank you for your anticipated cooperation, and that of Acura Financial Services.

J. W.

Bonanno

JWBonanno@***.com

4523 E. Gulley Rd.

Fayetteville, AR.72703

(940) 735-****

CC:LRich@***.commsandlin@***.comLHavery@***.com

Good morning,

Good morning,

Good afternoon, dear Hongda Auto Finance customer service, my name is Qiu Fengmei, I purchased a car with a loan from your company in September 2023! After paying the loan for two months, I bound my bank card on your official website and activated the epay automatic deduction function!

Set up repayment 3 days in advance on the 9th of every month! I also received your message reminder on the 9th of every month, indicating that the payment was successful, thank you! So I thought I had successfully paid every month from November to January! But in early January, I suddenly received a phone call reminding me that I had not repaid my car loan for three months!

But Im confused. Ive clearly bound my bank card, but at the same time I saw your message prompting me that my monthly payment was successful! I make sure my bank has enough deposits every month to pay the loan! But it wasnt until I received the call that I realized that you didnt automatically deduct the money from my bank!

For three whole months, I didn't receive any notification message, I didn't receive any email, I didn't receive any letter telling me that my bank payment was unsuccessful, so I don't think the failure to pay for these three months was personal. The problem is that you didnt contact me in time! Of course, this month I have made up all the unpaid loans for several months! I am writing this message today to complain about this problem!

I hope this incident will not affect my personal credit!

I am a lady of my word and I need your help! Please reply to confirm, thank you!wish u have nice day !

There have been over 40 phone calls with Honda, explaining the situation with rep after rep, only to hear thats above me and someone will reach out to you. No one reaches out.

When the month-to-month lease was renewed back in December 2022, your Honda Finance representative explicitly stated that once I no longer wanted the car anymore, all I needed to do was drop it off at any Southern California dealership. That very question was clearly asked and answered.

The Signal Hill dealership refused to fix the cars condenser after the problem was diagnosed in Downey, arguing that Signal Hill would charge me for its own diagnosis. I decided to return the car there, at Honda Signal Hill, per the only information ever provided to me via Honda Finance. The owner said he would not accept the car and would thus file it as abandoned if I do not pick it up.

I placed several calls to Honda Finance to ask why he was refusing to accept the car.

Your representatives were telling me instructions as to what to tell the owner so he would take it. My response to your reps was, YOU tell him! Their response was basically thats above me and someone will reach out. No one reached out.

I finally got someone to at least try to assist. From there, your Finance Department wrote a letter to Honda Signal Hill, asking the owner to accept the vehicle. The owner again said no. I told the owner he is unfriendly and incompetentbut I was only half way right.

While he indeed is unfriendly, the title of incompetence goes to Honda Finance.

It took 13 phone calls before any Honda Finance representative said, for the first time ever, that the Signal Hill location was not a location which accepts corporate cars. This would explain why the Signal Hill owner was so baffled when Honda Finance wrote the letter asking him to take it. Honda Finance didnt even know its own protocol. It turned out that it is Honda Cerritos which takes corporate returns, a dealership which is only a 15-minute drive away.

I would have happily returned it there on 17 June if Honda had instructed me to, as it is even closer to my home. It makes absolutely no difference to me as long as I am informed properly. It took 1.5 months to even figure out what the problem was.

Back in August, I sat down with the Signal Hill General Manager John Pill. He flat out told Honda Finance you guys are doing this all wrong and that you have been giving me the runaround for quite some time.

From this very lengthy call, this was the first time EVER that a third party called True 360 was mentioned in any conversation. It turns out that True 360 would need to come to a location of my choosing for an inspection. 3 months after dropping off the car at a dealership Honda Finance approved, I was finally told, for the first time ever, that all we needed to do was have True 360 come to Honda Signal Hill. Keep in mind John Pill also called Honda Finance several times, asking for instructions.

He got the same confusion I got. True 360 went to Signal Hill Honda in September I believe.

So you think once True 360 finished, you guys would relocate the car and we are all done. Right? No.

The car sat in the Signal Hill lot for months before the dealership arranged for it to be towed over to Cerritos (I do not know which dealership paid for it).

Once it got to Cerritos, I was told I was months overdue, with an outstanding bill. Pretty much, Honda is by far the worst company I have ever dealt with in my life.

My son got behind in payments, unbeknownst to me, and that's on us. Honda Financial Services called me on Monday, October 23rd and left a message to have him call them.

He is currently in the hospital with a life-threatening illness. I called them on Tuesday, October 24th and told them I would make the payments on his behalf over the phone. After some transfers to different people and retelling the story several times, I spoke with Katherine in the collections department. She informed me that I could only make the payments via Western Union, and not with a bank card or checking account.

I told her I would do it tomorrow, Wednesday, October 25th, as the nearest Western Union was 71 miles from me. She said that would be fine, and then gave me the instructions on the Western Union transaction, saying all I needed was my sons account number. Once at the Western Union office, I gave the clerk the information Katherine gave me and used my sons SSN which is what he told me worked in the past. The SSN was not accepted.

I called Honda Financial Services and spoke to Tina, then she transferred me to Chris, while at the Western Union office. I asked Chris for the account number to simply make the payment as instructed by Katherine. I was required to do a 3-way call so that my son, from his hospital bed, could give me permission to make a payment on his behalf and get the account number. That went good.

Next, I was denied the account number based on the alleged reason the account was now 120 days past due and it went in to charge off, and no payments would be accepted. I explained to Chris my conversation with Katherine. He looked at the notes on the account and told me I was correct on the conversation but the account was 120 days past due as of today (October 25th.) I asked Chris why would Katherine tell me to make the payments and travel all that way if it wouldn't be accepted. He told me he didn't know why but would transfer to someone who could help.

I was transferred to Joy and explained the entire scenario to her. Again, I was denied the account number and payments. I asked her to speak to a supervisor. I was then transferred to Aerial, where I explained it again, then yet met with another denial.

Once again, I asked to speak to someone who could help me. I was transferred to Ashley. When I asked for her title, she would only say she was a Representative. I explained the scenario yet again, only to be met with the same answer.

I asked to speak to Katherine, of which I was denied. I asked to speak to a supervisor once again. Another Ashley picked up and rudely told me I could not make payments and if there was anything else she could do for me. I asked her why would Katherine tell me to do all of this to make the payments at Western Union if they were not going to be accepted.

She told me Katherine made a mistake. I asked her if Katherine would have known today would have been too late. She told me yes, she would have known and she told you to make the payment on Tuesday, the 24th. I told Ashley that Katherine certainly did not tell me that not did she tell me tomorrow would be too late.

Ashley then told me the only option is to surrender the property of pay it off in full. I asked for Katherines supervisor, which she wouldn't transfer me to. I asked for Katherines supervisors name, of which I was denied. I asked again for an email address so that I could further this up the chain of command.

I was denied that as well but she told me there is an address I could write a letter and send it to. I was on hold for another 6 minutes and she came back on with the address. I asked for the account number, and she reluctantly gave it to me. All total, I was on the phone for 52 minutes.

Based on the foregoing, I'm requesting we be allowed to bring the account current because we were misled by a customer service representative that payments would be accepted on the 25th. I look forward to your response.