How to Stop Honda Financial Services Group Phone Harassment in 2026
If your phone keeps lighting up with calls from Honda Financial Services, you’re not imagining things, and you’re not powerless. In 2026, consumers have strong federal protections against excessive, automated, or abusive phone calls. No lender or finance company, no matter how big, has the right to make you feel anxious every time your phone rings.
If Honda Financial Services or its affiliates are calling you repeatedly, using robocalls, or ignoring your requests to stop, those calls may be illegal. You have options, and you don’t have to live in fear of your phone.
Who Is Honda Financial Services?
Honda Financial Services, formally known as American Honda Finance Corporation, is Honda’s in-house financing company. It provides auto loans and lease financing through Honda dealerships across the United States.
Founded: 1980
Headquarters: Torrance, California
Role: Auto loans, leases, and account servicing
Alternate name: Honda Finance
Address: PO Box 2295, Torrance, CA 90509-2295
Corporate Phone: (310) 783-2000
Because Honda Financial Services is a major lender, many consumers assume they must tolerate aggressive calling. That is not true.
Honda Financial Services Phone Numbers
Are you receiving any harassing phone calls from this number?
- 800-543-5636
- 800-205-8235
- 800-445-1358
- 800-448-9307
- 800-457-9929
- 800-916-9939
- 800-517-9699
- 800-542-6632
Is Honda Financial Services Considered Scam?
No, Honda Financial Services is a legitimate, well-established company. According to the Better Business Bureau (BBB), it has been operating since 1980.
That said, legitimacy does not excuse unlawful behavior.
Hundreds of consumer complaints have been filed
Many complaints involve repeated calls, robocalls, and account disputes
A company can be legitimate and still violate consumer protection laws
Honda Financial Services Consistent Harassment: What Crosses the Line?
In 2026, phone harassment laws are clearer and more strictly enforced than ever. Calls from Honda Financial Services may violate the law if they involve:
Calls after you asked them to stop
Calls to the wrong person or wrong number
Calls made outside legal hours (before 8 a.m. or after 9 p.m.)
Failure to identify who is calling and why
Even lenders, not just third-party debt collectors, must comply with federal calling laws.
The TCPA: Your Strongest Protection Against Robocalls (2026)
| TCPA Protection | What the Law Requires | What This Means for You |
|---|---|---|
| Consent Required | Prior express consent is mandatory. | No consent = illegal calls. |
| Robocall Limits | Automated and prerecorded calls are restricted. | Repeated robocalls may violate the law. |
| Opt-Out Rights | Stop requests must be honored immediately. | Calls should end once you say stop. |
| Calling Hours | Calls allowed only 8 a.m.–9 p.m. | Late or early calls may be illegal. |
| Caller Identification | Caller and company must be disclosed. | Anonymous calls aren’t allowed. |
| Do Not Call Rules | Internal DNC lists must be followed. | Continued calls can trigger violations. |
| No Deception | False or misleading messages are banned. | Threats or lies break the law. |
| Texts Covered | Automated texts fall under the TCPA. | Unwanted debt texts count too. |
| Financial Penalties | $500–$1,500 per illegal call. | You may be owed compensation. |
| Applies to Lenders | All companies must comply. | Big brands aren’t exempt. |
What to Do If Honda Financial Services Is Robocalling You
If you believe the calls are illegal, start documenting immediately:
Write down dates and times of calls
Save voicemails and texts
Take screenshots of call logs
Note whether the call was automated or prerecorded
Keep copies of any written requests to stop calling
This evidence is critical if legal action becomes necessary. Consumers can report the harassment to Federal Communications Commission FCC, Federal Trade Commission (FTC) or get legal help from a consumer rights attorney.
DOJ & Regulatory Scrutiny: Why It Matters in 2026
Honda Financial Services has also faced Department of Justice scrutiny for discriminatory lending practices related to dealer interest-rate markups.
Why this matters to consumers today:
It establishes a documented history of regulatory violations
It reinforces that Honda Finance is not above federal oversight
It strengthens consumer claims when misconduct occurs
Regulators continue to closely monitor auto lenders in 2026, especially regarding consumer fairness and communication practices.
Honda Financial Services Complaints
The following is a sample list of complaints filed against Honda Financial Services and can be found on Pacer.gov.
- 📋 1:19-cv-03446 Seeden-Johnson v.
- 📋 0:19-cv-00529-DSD-SER Schulte v.
- 📋 8:19-cv-00348-VAP-ADS Wendy Mallars v.
- 📋 2:18-cv-10519-GW-SS Jason Cohen v.
- 📋 9:18-cv-81662-XXXX Mena v.
In some cases, Honda Financial Services has paid settlements to resolve claims related to discriminatory lending practices.
Conclusion and Next Steps
If you’re experiencing harassing phone calls or other issues with Honda Financial Services, you must know the rights and take timely action. Consumers have the right to fair treatment under laws like the Telephone Consumer Protection Act and the Equal Credit Opportunity Act, and must not tolerate unwanted or harassing phone calls from debt collectors or financial companies. If you are one whose rights have been violated, consider filing a complaint with the Better Business Bureau or other consumer protection agencies, and keep detailed records of all communications.
You can also contact a legal professional to help you address, dispute, and fix any issues related to debt collection or discriminatory practices. Taking these steps can help you stop the calls, resolve your concerns, and ensure that your experience with Honda Financial Services is fair and respectful. Don’t hesitate to seek assistance, file a complaint, or reach out for support—your peace of mind and financial well-being are worth protecting.
Success Stories
- 🏆 I was getting nonstop calls from a debt collector and didn’t know what to do. Consumer Rights Law Firm stepped in and handled everything professionally. The calls stopped within days, and they even helped me file a complaint. Highly recommend them if you’re being harassed!
- 🏆 CRLF helped me understand my rights when I was being bullied by a collection agency. The team was supportive, knowledgeable, and always quick to respond. I’m so relieved the harassment has ended. Thank you for protecting consumers like me!
- 🏆 I reached out to CRLF after receiving threatening letters from a debt collector. They acted fast, filed a case on my behalf, and the calls immediately stopped. I couldn’t be more satisfied with their service. They truly fight for your rights
- 🏆 I was hesitant to contact a law firm at first, but CRLF made the process simple and stress-free. They didn’t charge me upfront and took my case seriously. Thanks to their hard work, I finally have peace of mind.
FAQs
What is Honda Financial Services and are their phone calls legitimate?
Honda Financial Services, also known as American Honda Finance Corporation, is the official financing arm of Honda. They handle auto loans and leases for Honda vehicles. Legitimate calls usually relate to billing issues, payment reminders, account servicing, or loan status updates.
Why is Honda Financial Services calling me so frequently?
Frequent calls typically happen when an account is past due, often within 10 to 30 days after a missed payment. During this period, Honda Financial Services may attempt multiple follow-ups to discuss the account status or request payment.
Can Honda Financial Services legally use robocalls?
Under the Telephone Consumer Protection Act (TCPA), Honda Financial Services must have your prior express consent to use robocalls or prerecorded messages. If you did not consent, automated or repeated robocalls may be unlawful.
Are they allowed to call outside business hours?
No. Federal law restricts collection and servicing calls to between 8 a.m. and 9 p.m. Calls made outside of these hours may violate the TCPA and consumer protection laws.
What should I do if calls feel harassing or threatening?
You should immediately document every call, including the date, time, phone number, and what was said. Send a written request asking the calls to stop, and if the behavior continues, file complaints with the FTC, FCC, or your state Attorney General. Ongoing harassment may also justify legal action.
How can I verify if a Honda Financial Services call is real or a scam?
Never share personal or financial information during an unexpected call. Hang up and contact Honda Financial Services directly using the phone number listed on your billing statement or the official Honda website to confirm whether the call was legitimate.
Will these calls affect my credit score?
Phone calls themselves do not affect your credit score. However, if your account is delinquent or in default, Honda Financial Services may report late payments or charge-offs to credit bureaus, which can negatively impact your credit.
Can I sue Honda Financial Services for violating TCPA?
Yes. If Honda Financial Services made unauthorized robocalls or texts without consent, the TCPA allows consumers to seek statutory damages ranging from $500 to $1,500 per illegal call or message.
How do I file a formal complaint against Honda Financial Services?
You can submit complaints to the , the Federal Trade Commission, the Federal Communications Commission, or your state Attorney General’s office. Honda Financial Services also offers a complaint and support process through its official website.
Can I make Honda Financial Services stop calling me?
Yes. You can send a written request asking them to stop phone contact. If calls continue after that request, it may strengthen your case for regulatory complaints or legal action.
