I purchased a vehicle ( XXXX XXXX XXXX ) from XXXXXXXX XXXX XXXX XX/XX/XXXX. About a week after the purchase the salesman contacted me stating that the bank says my proof of income is now not sufficient enough after I have already been approved. I payed {$2000.00} for the down-payment and provided bank statements from XXXX XXXX before the finance was approved. Once I was contacted by the salesman stating that my proof of income was not sufficient, i submitted the bank statements a second time along with screenshot of my weekly pay on my employer work hub app. I also called my employer on three-way call with the salesman. I feel this is in retaliation for my complaint to the better business bureau for my spouse and my credit being illegally ran by XXXXXXXX XXXX XXXX and our income being under reported by the salesman the month prior resulting in a negative decline to my spouse and I credit score.…
CFPB COMPLAINT DATABASE
Hyundai Capital America
492 real consumer complaints filed against Hyundai Capital America at the Consumer Financial Protection Bureau in the last 12 months. 1 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Managing the loan or lease124
- 02Problems at the end of the loan or lease92
- 03Incorrect information on your report80
- 04Repossession49
- 05Getting a loan or lease36
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
Recent complaints
The 30 most recent complaints against Hyundai Capital America where the consumer chose to publish their narrative.
30 day late payment was applied to my credit report for the month of XXXX or XXXX ( shows differently on credit companies ) -improper tracking of payment history I reviewed the billing statements and account history thoroughly after making a plea for the company to remove the damaging information and I was never notified of a late payment, given a late fee, but this damaging information was sent directly to the credit agencies without an attempt to resolve the matter with me. According to all of my billing statements in XXXX, all of my payments were received on time. The situation was not handled correctly and with my perfect payment history, an attempt could have been made to resolve any concerns XXXX XXXX had. I was unfairly treated by this finance company.
On XX/XX/XXXX the XXXX XXXX XXXX was picked up by XXXX XXXX XXXX XXXX XXXX XXXX as a Repossession. On XX/XX/XXXX I received a notice in the mail from AZ XXXX that the vehicle was reported as abandoned. I called XXXX XXXX XXXX immediately and they said they accidentally processed it wrong but that they fixed it and not to worry. In early XXXX I attempted to renew plates on my other vehicle but i couldnt because it said i had to pay an abandoned vehicle fee. I went to the tow truck company and they said the owner of the company kept the truck for himself. When i called XXXX XXXX XXXX XXXX, they claimed the tow company owner claimed the vehicle as salvage ( provided no proof of it ) and XXXX released the title. They said they couldnt send me the repossession affidavit because it was never repossessed it was processed as abandoned. Tow truck company took no responsibility and gave me a check for {$600.00} to pay for the abandoned vehicle fee.…
On XX/XX/XXXX I called XXXX XXXX XXXX and arranged to buy a XXXX XXXX for XXXX ; with XXXX down and XXXX financed. I went to the dealership where XXXX XXXX, the finance XXXX, attempted to sell me an extended warranty for approximately {$2800.00}. I declined this coverage. I then signed all the paperwork to buy the car for {$53000.00} total and wrote a check for {$5000.00}. The loan amount on the contract was for the agreed {$48000.00}. XXXX weeks later I checked my loan balance and saw that it was over {$51000.00}. I called XXXX XXXX and the dealership to see why it was incorrect. I discovered that after I left the dealership, XXXX XXXX created a new contract that did include the warranty I declined. He then forged my signature multiple times on multiple documents and submitted a new forged financing document to XXXX XXXX. I have copies of all of these documents.…
In XXXX, I leased a Hyundai vehicle on a XXXX term and purchased extended wear-and-tear coverage at the time of signing specifically to protect myself from excess wear-and-tear charges at lease-end. I maintained the vehicle responsibly throughout the lease period. All payments were made on time, the vehicle was never involved in any accident or damage-related incident, and it remained in very good condition. On XX/XX/XXXX, during a service visit at the dealership, dealership staff recommended upgrading to a newer Hyundai model. I was specifically informed that because I had purchased wear-and-tear coverage, I would not incur any out-of-pocket lease-end charges on my current vehicle. Based on those representations, I agreed to upgrade, paid the required down payment for the new vehicle, and exchanged the car the same day. Approximately XXXX month later, in XX/XX/XXXX, I received a bill from Hyundai Motor Finance for {$1000.00} in wear-and-tear charges.…
To Whom It May Concern, I am submitting a complaint regarding a vehicle lease transaction involving XXXX XXXX. At the time I entered into a new lease agreement, dealership staff represented that I could leave my prior leased vehicle with the dealership and move fully into the new lease arrangement. Months later, I received notices from the prior leasing bank stating that I remained responsible for the remaining lease payments and charges associated with the previous lease. Upon review of the lease and financing documents, I found no clear disclosure identifying : * a prior lease payoff, * remaining lease obligations, * negative equity, * trade payoff allocation, * or acknowledgment that I would remain personally responsible for those obligations. The dealership later produced only a photocopy of a handwritten document which they claim supports their position.…
Kia XXXX sold me a car in 2023 with black marker used to cover cosmetic damage, and they propped up the trunk to make it look like the trunk was stable. It was dark and I bought this car at night and it was black so there was no way I could see the marker usage until the next day. Once I discovered it the next day I requested my trade back and was given the run around. I had a XXXX XXXX a few days later and could not mount a fight over this as I had to focus on my recovery. The car was later repossessed due to payment in arrears and Kia Finance XXXX XXXX. XXXX XXXX XXXX, TX XXXX, or XXXX FIN XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX Now wants me to pay full price for the deficiency owed after auction sale and has stated the full balance on my credit report which is incorrect being the cars value would have been changed if the unknown dame were there. CFPB states they do not handle this and I cant get help anywhere.…
I returned my XXXX XXXX at the end of my full lease term and made all XXXX payments on time. I never missed a payment. After the lease ended, over ensuing months, I logged into my online account with Hyundai XXXX XXXX to confirm that everything was settled. The portal showed a {$0.00} balance with no past-due amount. I also reviewed the View Disclaimer section, which did not mention that end-of-lease charges or final bills would be excluded from the balance shown. At the time of return, my vehicle was also substantially under the allotted mileage, so I had no reason to anticipate owing any additional balance. Around that time, I had moved and did not update my mailing address before the final bill was sent. I understand that keeping my address current was my responsibility. However, I actively checked the companys official online portalthe primary tool provided to customers to view account statusto verify whether anything was owed.…
I am disputing {$1200.00} in lease-end charges from Kia Finance America XXXX I returned my leased vehicle in person at a Kia dealership. At the time of return, I specifically asked the store XXXX if there were any issues with the vehicle. I was told there were no visible problems and was instructed to sign the return paperwork, which I did in good faith. I was not present for any later inspection. About couple weeks after returning the vehicle, I received a bill for {$1200.00}, including {$420.00} for minor bumper damage and additional charges for tires. Key points : * The vehicle was returned XXXX XXXX ( less than XXXX miles on a XXXX lease ), indicating normal use. * I was told at the dealership that no issues were identified at the time of return. * The inspection that generated these charges was conducted after I relinquished possession, without my presence or ability to verify the findings. I was not provided an opportunity to repair any issues.…
Hyundai Motor Finance sold me a defective vehicle, a XXXX XXXX XXXX XXXX, that has raised serious safety concerns. In less than XXXX months of ownership, the vehicle has already had XXXX recalls. Because of these repeated issues, I no longer feel safe driving this vehicle. I attempted to resolve the matter fairly by asking XXXX to buy the vehicle back, but they refused. Since XXXX is also the original lender, I am requesting that they repossess the vehicle and remove the loan obligation from my name due to selling an unsafe vehicle and failing to properly resolve the matter.
Subject : Complaint against Hyundai Motor Finance Failure to provide required post-surrender notices and dispute of deficiency balance. On XX/XX/year>, I voluntarily surrendered my vehicle ( XXXX : XXXX ) to Hyundai Motor Finance. XXXX XXXX XXXX XXXX came to pick it up on XX/XX/year>. Since my last communication on XX/XX/year>, I have received no further correspondence, notices of intent to sell, or an accounting of the sale as required by XXXX law. Under XXXX XXXX XXXX, a lender must provide timely notice of the vehicle 's disposition and a detailed accounting of any remaining balance. Because Hyundai Motor Finance has failed to provide these mandatory disclosures, I am disputing my responsibility for any alleged deficiency balance. I am requesting that Hyundai Motor Finance : 1.Provide a full accounting of the vehicle 's sale status. 2. Cease any collection efforts regarding a deficiency balance due to failure to provide legal notice. 3.…
I am submitting this complaint regarding inaccurate and misleading credit reporting by Hyundai XXXX XXXX related to a lease-end balance. I was a Hyundai customer for over XXXX consecutive years, leasing multiple vehicles and maintaining a perfect payment history throughout all active lease terms. At the conclusion of my lease in XXXX, I received a lease-end statement reflecting a total balance of {$940.00}, which included various final charges. This was a one-time lease-end reconciliation amount and not part of any scheduled monthly payment obligation. A portion of this balance ( approximately {$100.00} ) related to excess wear and tear. I believed this charge was covered under a damage waiver I had purchased. Once it was clarified that the waiver did not apply, I paid the outstanding balance. There was no refusal to pay, only a misunderstanding regarding coverage.…
To the Complaint Department : I am filing this formal complaint to report an ongoing, severe pattern of predatory lending, illegal debt collection, and targeted harassment by a network of debt collectors. These entities are utilizing unlawful tactics, including unauthorized wage garnishments, multi-state litigation abuse, cyber harassment, and workplace interference. XXXX. Predatory Lending and Fraudulent Account Management My initial decision to cease payments on these accounts ( including auto loans ) was a direct result of the lenders predatory practices. Specifically : Fraudulent Balance Calculations : Despite making payments, the principal balance was never accurately reduced due to overbilling, exorbitant interest rates, and the continuous addition of unauthorized, phantom charges. Data Privacy Violations : My private and financial information was unlawfully sold and distributed to third-party vendors without my consent. XXXX.…
I traded in my XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX, at which time the dealership took possession of the vehicle and agreed to pay off the existing loan based on a payoff amount verified by XXXX XXXX XXXX XXXX {$31000.00}. The dealership relied on this lender-provided payoff amount and submitted payment to satisfy the loan, and I relied on the dealership to complete the payoff as part of the transaction. The loan was ultimately paid in full through this process. However, XXXX reported my account as delinquent on or about XX/XX/XXXX, which is negatively impacting my credit. This reporting is inaccurate and materially misleading because any temporary balance or delay in payoff was the result of a payoff processing discrepancy or timing issue between the lender and the dealership, not a failure on my part to make payments.…
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have a right to privacy, 15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 USC 1681b and pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Furthermore, 15 USC 1681 ( s ) -2 all late payments were missed during COVID-19 and should be deferred or forgiven. I have a right to privacy and I consider late payments as private information, therefore they must be removed immediately.
Description of Incident Issue : Inaccurate reporting of a " Charge-off '' status following an insurance total loss settlement due to a lender notification failure. Timeline of Events : XX/XX/XXXX : The vehicle was involved in an accident and subsequently deemed a total loss by the insurance carrier. XX/XX/XXXX : I proactively established a permanent USPS Change-of-Address with mail forwarding to my new residence. This action was taken to ensure all final correspondence regarding the account closure would be received. XX/XX/XXXX : The lender confirmed receipt and successful processing of the primary insurance settlement payout in the amount of {$33000.00}. XXXX XX/XX/XXXX : Despite having successfully processed the large insurance payment and having access to my updated contact information through mail forwarding and proactive updates, the lender failed to send a deficiency notice or final statement regarding a residual balance to the new address.…
My car was repossessed on XX/XX/XXXX. I called the XXXX lot several times to request status of the car they never answered. I called the Owner in this case Hyundai yesterday XX/XX/XXXX and wanted an update on the car. The guy was very rude when I asked him for information reference to my car. He told me its was sold at an auction. I asked him when? He said I need to get specific dates. I asked did you send me a letter with the intent to sale? He said yes, I said I never received the letter. He said oh well,, but I do have the letter of the sale of the car at an auction and its been send out today. I oh really? But why not before the sale I asked? He said oh well its gon na be send out today .. and you still have a balance that you must pay. Honestly his sarcasm and lack of professionalism was something he didnt have so honestly I hung up on him but am calling again today XX/XX/XXXX and requesting the letter of all that the guy mentioned me and see what happens.
In XX/XX/year>, I returned my leased vehicle to XXXX XXXX XXXX and fulfilled all obligations associated with the account. The account was subsequently closed in XX/XX/year>. Despite this, Kia Finance reported a 3059 day late payment on the account after the vehicle had already been returned and while the account was in the process of being closed. This late payment is inaccurate and appears to be the result of internal processing delays, not any failure on my part. My payment history reflects consistent on-time payments, and this account should be reported as Paid, Closed/Never Late. However, the inaccurate reporting has caused a significant drop in my credit score ( approximately XXXX points ). This error has had real and immediate impact, as it occurred during an active home and auto financing process. Additionally, as this is a joint account, the inaccurate reporting also affects my spouse, whose role requires maintaining strong financial standing and professional compliance.…
I am filing a formal complaint against Kia XXXX XXXXXXXX regarding an unlawful attempt to reinstate a paid-off auto loan. The account in question was paid in full. Kia XXXX XXXX accepted the payoff, released its lien, and the vehicle title was issued to me free and clear. My credit reports reflect a XXXX balance. The underlying retail installment contract has been satisfied and extinguished. Months after the account was closed, Kia XXXX XXXX sent correspondence stating that the account is being reopened due to an alleged dealer payoff error. This is improper and unlawful. Any internal error between Kia XXXX and a dealership does not create a legal obligation on my part, nor does it permit reinstatement of a satisfied loan without my consent. Under Texas Business & Commerce Code 9.513, once a secured obligation is satisfied and a lien is released, the security interest is terminated. There is no legal basis to revive this account.…
Hyundai XXXX was calling me over XXXX times a day for a payment of {$820.00} and I told them that was harassment to call me so many times during a work day which was interrupting my work schedule as well as taking care of my disable son at home in the evening. After I stated that was harassment the next day there was a negative late payment mark added to my personal credit which has interfered with my daily living affecting my XXXX XXXX I have to utilize to take care of my XXXXXXXX XXXX XXXXnd my daily living. I called Hyundai XXXX to resolve the issue and was told my payment of {$820.00} was reverse by XXXX XXXX who Ive been processing my payments through for the last 3 years with NO PROBLEM until I told Hyundai the XXXX plus calls is harassing Hyundai XXXX asked did I get a credit back to my account for XXXX payment and I told them no and the Representative told me to dispute the negative remark on my credit and they would remove the negative remark and they did not.…
I am filing this complaint regarding an auto lease account with Hyundai Motor Finance that resulted in a repossession which I believe was improper due to lack of proper notice and significant communication failures. I was never properly notified of any default or risk of repossession. Hyundai claims that notices were generated ; however, during multiple phone calls, their representatives were unable to confirm whether these notices were actually sent, or if they were sent by email or regular mail. I never received any notice by mail or email prior to the repossession. The only documentation I received was after the repossession had already taken place. For example, I later received a Notice of Default dated XX/XX/year>, showing an amount due of approximately {$1100.00} with a cure deadline of XX/XX/year>. This clearly indicates that I should have had an opportunity to resolve the default before any repossession action. However, I was never given that opportunity.…
Back in XXXX my car was brand new that I leased with dry rotted tires .. caused two flats the 3week after leased, prior to that my window malfunction for me to wait two days to get fixed, after second flat roadside assistance, had me stranded for seven hours, causing my car to be impounded and additional charges added customer care pay for the impound to be out just to bring to XXXX XXXX motors to add on {$6000.00} worth of charges that had nothing to do with me all within the first month of me getting in the car try to put blame on me showed a lot of negligence so settled for me paying deductible of {$1000.00} from the insurance however, my first car note was going to be due so I called on behalf of postponed in the payment for me to pay my deductible since the incident kinda was on the end, it took me two months for me to come up well for them to come up with a solution.…
I am a victim of identity theft and fraudulent loan origination by a dealership. On XX/XX/XXXX, the dealership submitted a finance contract to the lender without my signature or consent. I have timestamped email evidence proving the contract was not even presented to me for review until XX/XX/XXXX at XXXXXXXX XXXXtwo days AFTER the loan was pushed to the lender as a finalized deal. I never opened or signed the electronic DocuSign link. I originally took possession of the vehicle ( VIN ending XXXX ) on XX/XX/XXXX, but after months of financing failures and approximately 20 unauthorized credit inquiries, I returned the vehicle and keys to the sales manager on XX/XX/XXXX. On XX/XX/XXXX, the manager confirmed by phone that the contract would be canceled. Despite the return and lack of a signature, the lender opened an account for {$48000.00} on XX/XX/XXXX. On XX/XX/XXXX, the lender received my formal certified dispute but failed to resolve the fraud.…
Description of Incident : I am filing this complaint due to the unreasonable withholding of a {$1800.00} overpayment by Hyundai Motor Finance following the payoff of my vehicle lease. Despite the loan being settled over XXXX months ago, Hyundai has failed to return my funds, causing me direct financial harm through accrued interest on my current auto loan. Chronology of Events : XX/XX/year> : Vehicle lease payoff was finalized and settled. XX/XX/year> : Hyundai confirmed receipt of the payoff funds. XX/XX/year> : Hyundai issued a refund check ( # XXXX ), but sent it to an incorrect address. XX/XX/year> : Hyundai was notified of the error. A formal request to stop and reissue the check was submitted ( Case # XXXX ). XX/XX/year> : XXXX XXXX XXXX XXXX XXXX ) spoke with my representative at XXXX and promised to prioritize the reissue " by tomorrow. '' No action was taken.…
I leased a XXXX XXXX XXXX on XX/XX/XXXX, through XXXX XXXX XXXX ( Deal # XXXX ) with financing through Hyundai Capital America / Kia Finance. The lease matured and I returned the vehicle. Kia Finance billed me for excess mileage charges, tire/wear charges, a turn-in fee, and taxes. I am disputing all charges because the lease documents submitted to Kia Finance by the dealership were materially altered after I signed them, and warranty products I purchased were removed from the version on file. ALTERED LEASE DOCUMENTS : The lease copy I was given at signing was printed on a Hyundai Motor Finance form ( Form No. XXXX XXXX XXXX ). The version Kia Finance has on file is on a completely different Kia Finance America form ( Form No. XXXX XXXX XXXX ). Same deal number, same date different form, different financial terms.…
XXXX day late payment was applied to my credit report for the month of XXXX or XXXX ( shows differently on credit companies ) -improper tracking of payment history I reviewed the billing statements and account history thoroughly after making a plea for the company to remove the damaging information and I was never notified of a late payment, given a late fee, but this damaging information was sent directly to the credit agencies without an attempt to resolve the matter with me. According to all of my billing statements in 2025, all of my payments were received on time. The situation was not handled correctly and with my perfect payment history, an attempt could have been made to resolve any concerns XXXX XXXX had. I was unfairly treated by this finance company.
On XX/XX/XXXX I took delivery from XXXX XXXX XXXX with a lease disclosing {$1.00} rent charge. On XX/XX/XXXX they said it didnt fund and had me re-sign with {$4100.00} rent charge. This violates Reg M 12 CFR 1013.4. Dealer is under XX/XX/XXXX XXXX AG Assurance for adding fees during re-contracting. XXXX MVA Licensing has case open under my name/DL as of XX/XX/XXXX. I am demanding rescission.
I paid twice for one month. Asked for a check and they didnt send it to the right address and then when I ask to cancel the check and keep the money the denied me and wouldnt send me a new check then I called again someone finally canceled the check on XX/XX/XXXX and was told it should take maybe 3 or 5 business days and Ive calling almost weekly and they still havent canceled my check and applied the fund to the acc to pay for my vehicle this was all in XXXX and started the process in XXXX
To Whom It May Concern, I am submitting a formal complaint against Kia Finance America regarding an unauthorized charge added to my auto loan account and the lack of resolution despite repeated attempts. In XX/XX/year>, my vehicle was temporarily repossessed. I paid {$2800.00}, which included all required fees, I also paid up extra {$3000.00} for three months of payments in advance ( through XXXX ), and my account was confirmed as current. Four months later, Kia Finance added an unexplained {$260.00} charge to my account. For more than 1.5 weeks straight, I contacted their customer service and was repeatedly transferred, placed on long holds ( 45 mins - 2hours each call ), and provided inconsistent or inaccurate information. Ultimately, I was told the charge was for a flatbed tow supposedly billed by the repossession company XXXX XXXX To verify this, I contacted the owner of the repossession company directly.…
Hyundai Finance is contacting me over a payment owed to them by me, on a car that was part of a total loss accident. The full amount requested by Hyundai Finance was paid to them by my insurance, XXXX, and they were then given the Letter Of Guarantee showing the passing of ownership and full payment. The amount requested is being explained as a payment for the deductible which should not be owed to Hyundai Finance.
I had a lease with Hyundai XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I paid off the lease and went through a local credit union to finance the car to buy. The credit union transferred the funds to Hyundai at the end of XXXX ( approx. XX/XX/XXXX ). I filled out information on Hyundai website and the bill of sale was sent to me with the section for the sellers signature blank. In XXXX ( approx. XX/XX/XXXX ) I began looking at the XXXX requirements to figure out what I need to do to get the title transferred into my name and realized I was missing documents like the title. I contacted my credit union and was told that Hyundai should have sent the title to them and they would send it to me to get the title changed but they were confused why it hadnt shown up yet and suggested that I call Hyundai to see where it was.…
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