Hyundai Capital America

I am writing to file a formal complaint against Hyundai Motor Finance for their continuous and unjustified denial of my SCRA ( Servicemembers Civil Relief Act ) lease termination request, which constitutes a violation of federal law under 50 U.S.C. 3955. I am a future active-duty service member scheduled to report to the United States XXXX XXXX XX/XX/XXXX. Under the XXXX, service members entering XXXX XXXX are legally entitled to terminate a motor vehicle lease without penalty if their military service is for a period of not less than 180 days. Over the past month, I have submitted the required military documentation to XXXX XXXX XXXX a total of three ( 3 ) times. Despite providing official letters from my commander/recruiter certifying my active duty start date and my long-term enlistment contractXXXX XXXX XXXX XXXX has repeatedly rejected my request without providing any valid or legally grounded reason.…

I am filing this complaint because Kia Finance has not provided me with a usable lien release for a vehicle that I paid off approximately XXXX years ago, and their handling of the issue is preventing me from selling the vehicle for basic survival and relocation needs. I recently attempted to sell my vehicle through XXXX. During that process, I was told that the lien had never been released, even though the vehicle was paid off approximately XXXX years ago. Because the lien still appears on the title or vehicle records, I can not complete the sale without a lien release or lien satisfaction letter from XXXX. I contacted Kia Finance and requested the lien release. I was initially told that it could take approximately XXXX XXXX XXXX days to receive it. This delay is causing serious hardship because I am recently unhoused and I need to liquidate the vehicle to pay for basic needs and relocate. I explained that I do not have a home address where XXXX can mail the document.…

I paid my auto loan with Hyundai XXXX XXXX in full on XX/XX/year>. Despite full payoff, Hyundai Motor Finance has failed to release the electronic lien on my vehicle for nearly two yearsXXXX Hyundai XXXX XXXX has not properly released the lien after payoff and has provided inconsistent and unresolved support, including : XXXX Claiming the title could not be located XXXX Sending notarized documents with an incorrect legal name * Repeatedly opening and closing escalation tickets without resolution or follow ups. The lien still remains active despite full payoff. ( 2 years later ) Because of this, I am unable to obtain a clear title, sell, or trade my vehicle. The Arizona XXXX XXXX XXXX has confirmed the lien remains active and can not be removed without XXXX XXXX XXXX electronic release.

Under 15 USC 1681c-2 ( a ), immediate removal of any inaccurate/fraudulent accounts that are found to be opened or accessed as a result of a data breach must be blocked within four ( 4 ) business days of the dispute being filed.

We leased a XXXX XXXX XXXX XXXX from them, after XXXX months, we returned the vehicle the day we were supposed to. We called the dealer and dropped it off at XXXX XXXX in XXXX, VT. We confirmed with them, is there anything else we owed, and they said no. ( We made the last payment XXXX months early. For the next week or XXXX we get multiple calls from Hyundai asking if we were going to turn the vehicle in, we had to explain each time, it's already been dropped off, and it should be all set. XXXX months go by, and we get a derogitory mark on our credit scores. Reached out to Hyundai and they say we still owe {$400.00}. We explained that everything was paid, and we confirmed with the dealer we were good to go, ( NOTE : THIS DEALER IS NOW OUT OF BUSINESS ) They claimed they had called multiple times ( untrue, not once did they call ), When we called they said we tried calling yesterday, and we checked they never tried, there wasn't even a missed call.…

Complaint Against Kia Finance America - Request for Investigation and Account Reconciliation I am requesting the Consumer Financial Protection Bureau 's assistance regarding my auto loan account with Kia Finance America. I believe my account contains accounting discrepancies, and despite repeated good-faith efforts to resolve this matter directly with Kia Finance America , I have been unable to obtain a complete explanation of how my remaining balance was calculated. I am requesting a thorough investigation and a complete accounting of my account. My XXXX XXXX XXXX was declared a total loss on XX/XX/XXXX. Following the total loss, my insurance company issued payment to Kia Finance America, a XXXX claim was initiated, and my Vehicle Service Contract was canceled so that any applicable refund could be applied toward my loan balance.…

I am requesting validation of the debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including any fees or interest added. 3. Copies of any documents with my signature showing that I agreed to the debt. 4. Proof that your company has the legal authority to collect this debt. 5. Documentation showing I am legally responsible for the alleged account. 6. Proof that I allowed them to put on report Until you provide proper validation, I dispute this debt and request that all collection activities cease. I would like it to be removed from my report.

I am filing this complaint against Kia Finance America for deceptive practices, material misrepresentation, and severe statutory notice violations under XXXX XXXX repossession laws ( XXXX XXXX. XXXX and XXXX ), which has resulted in an illegal {$21000.00} collection account sent to XXXX XXXX XXXX ( XXXX Account # XXXX ). 1. DECEPTIVE REPRESENTATION : In XX/XX/XXXX, I contacted Kia Finance America directly to ask if my vehicle ( XXXX XXXX XXXX ) was in repository or repossession status. The representative explicitly stated " No. '' Relying on this information, I planned my payment catch-up. The vehicle was repossessed less than XXXX hours later. 2. FAILURE OF STATUTORY ADVANCE NOTICE : The vehicle was repossessed in late XX/XX/XXXX and sold at auction in XX/XX/XXXX. Kia Finance America completely failed to provide a mandatory " Notice of Our Plan to Sell Property '' at least 10 days prior to the sale. 3.…

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Kia Finance due to improper collection efforts and inaccurate reporting to the credit bureaus. In XX/XX/XXXX, I refinanced my vehicle loan with XXXX XXXX. On XX/XX/XXXX, XXXX issued check # XXXX in the amount of {$28000.00} and sent it to Kia through XXXX under tracking number XXXX. The check was delivered on XX/XX/XXXX, at XXXX a.m. On XX/XX/XXXX, I received a letter from Kia Finance congratulating me on having paid off my loan. However, beginning in XXXX XXXX, I started receiving phone calls and emails from Kia Finance claiming that I owed a debt that had already been paid in full. When I contacted their representatives, I received contradictory explanations. Initially, I was told that the check could not be applied because there was an error in the vehicle 's VIN number. Later, I was told that the Kia account or contract number was incorrect.…

Hyundai XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : ACCOUNT NO. XXXX DEMAND FOR DISCLOSURE OF TAX REPORTING, ISSUANCE OF IRS FORM XXXX, AND NOTICE OF INTENT TO REQUEST IRS INVESTIGATION To Whom It May Concern : I am in receipt of your correspondence dated XX/XX/year>, ( kindly see file attached ) wherein Hyundai XXXX XXXX states that Account No. XXXX has been charged off and alleges an outstanding balance of {$39000.00}. I have been informed by the Internal Revenue Service that Hyundai XXXX XXXX sought and/or received a tax write-off, deduction, or other tax benefit concerning the amount allegedly owed. Despite this, I have never been furnished with an IRS Form XXXX, Cancellation of Debt, nor have I received any disclosure concerning the tax treatment of this alleged obligation.…

I am filing this complaint against Hyundai Motor Finance ( Hyundai Capital America ) for a severe violation of the Fair Credit Reporting Act ( FCRA ). Hyundai is reporting an inaccurate XXXX late payment history on my auto lease account, which has caused an immediate, significant drop in my XXXX XXXX and financial harm. I tendered my full, contractual monthly lease payments within 30 days. Hyundai accepted these funds but internally misallocated my core vehicle lease payment to satisfy a separate, auxiliary excise tax bill. While I received an informational bill for the excise tax, Hyundai never provided any warning, disclosure, or notification stating that dedicated monthly lease payments would be diverted to pay down a tax balance first. I contacted Hyundai directly to resolve this accounting error.…

XXXX XXXX Subject : Request to Reopen CFPB Complaint XXXX XXXX Matter Not Resolved / False Reporting by Genesis Finance XXXX XXXX I am formally requesting that CFPB reopen complaint XXXX XXXX XXXX XXXX XXXX XXXX which was closed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX as resolved. This matter has not been resolved, and Genesis Finances response to CFPB was false, misleading, and materially inaccurate. I strongly dispute Genesis Finances claim that my vehicle was Voluntarily Surrendered. The false designation of Voluntary Surrender is currently appearing on my credit reports and remains visible to creditors, lenders, and financial institutions. This inaccurate derogatory reporting falsely portrays me as a borrower who defaulted on financial obligations, causing ongoing and substantial harm to my creditworthiness, reputation, and ability to obtain future financing, This statement is completely false and does not reflect the facts of my case.…

on XX/XX/year> my kia forte leased car was totaled by a out of control driver. both insurance companies agreed the driver who toyaled my car was 100 % liable. my company XXXX paid for the totaled vehicle in full and incluede the state taxes as required by law. However the state taxes were already included in the Acutal Cash value and reprersented an overcharge of state taxes thAT ARE NOT REQUIRED FOR A TOTALED VEHCILE. The leaseing company refused to return these taxes of {$1800.00} ( which represent a double charge ) to me even though i gove them a full explanation of how they were not entitled to duplicate state taxes. In addition the insurance company over paid the ACV of the vehicle by XXXX. That left a credit baLance on my ACCOUNT AND XXXX refused to return this credit bALance to me I send a demand letter to XXXX and THEY REsponded THAT i WSNT gon na GET XXXX XXXX XXXX FROM THEM ..…

b'I purchased a hyundai XXXX XXXX in XXXX at the lease end. I didnt receive the title and been trying to get it for years. About XXXX XXXX months ago I was stopped by police and told my car was showing as sold and no valid registration. I had valid registration in car and police said follow up with DMV who said to get registration from hyundai. Hyundai requested bill of sale and odometer statement which I had sent at least twice before, but I sent it again. Hyundai then said it would be XXXX days to receive title. I waited XXXX days and called Hyundai customer service who said they didnt get bill of sale, which customer service confirmed they did. So they started the whole process over again and said they received title from XXXX DMV but call back in XXXX days if I dont get i. Its like Im stuck in a time loop of incompetence.'

On XX/XX/year>, I entered into a lease agreement for a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX, Florida. My signed lease agreement clearly states that my monthly payment is {$360.00} per month. After taking possession of the vehicle, I began receiving billing statements for {$420.00} per month, which is {$67.00} higher than the amount stated in my signed lease agreement. I contacted Kia Finance to report the discrepancy. I was informed that there had been a mistake and that the issue would be corrected within approximately one month. Based on those representations, I paid the higher amount of {$420.00} in good faith while waiting for the correction to be processed. However, I subsequently received another billing statement reflecting a monthly payment of {$420.00}. When I contacted Kia Finance again, I was told that it could take an additional two months to resolve the issue.…

I am enrolled in XXXX XXXX XXXX automatic payment system. My account successfully drafted my funds on time. However, Hyundai internally misallocated my monthly lease payments to cover an annual municipal vehicle excise tax without my explicit authorization or explicit notification that my base lease payment was falling short. This systemic allocation error triggered a 37-day delinquency. I have now paid the balance out-of-pocket to zero to mitigate damage. Because the on-time automatic draft was hijacked by Hyundais internal billing logic, I demand that Hyundai immediately delete the 30-day late flag from all credit bureaus and refund any associated late fees.

I am attempting to dispute a lease-end charge assessed by Kia Finance America , but Kia Finance has not provided a meaningful way to resolve the dispute or communicate with the department responsible for reviewing it. The disputed amount is approximately {$900.00} in lease-end excess wear charges, plus any related taxes and fees that may have been calculated from that amount. The total balance claimed is {$1900.00}. Timeline : On XX/XX/year>, I called Kia Finance to dispute the charge. I was told I would need to wait for a supervisor. After an extended hold, I was told no supervisor was available and that I would receive a callback. After receiving no callback, I called again on XX/XX/year>. I was told a supervisor had attempted to contact me on multiple prior dates, but I have no record of missed calls or voicemails corresponding to those attempts. I again requested a supervisor and was told none was available.…

My grandson and I are legal co-owners of a XXXX XXXX XXXX that we purchased new from XXXX XXXX in XXXX, financed through Hyundai Motor Finance. The vehicle was paid off in full in XXXX. We received a letter from Hyundai Motor Finance at that time stating that the vehicle was paid in full, that the XXXX was released, and believed the matter was closed. The car was stolen from our home on XX/XX/XXXX. It was later recovered and declared a total loss by our insurer, XXXX. On XX/XX/XXXX we discovered that Hyundai Motor Finance had never properly released the title to the XXXX XXXX or to us even though the loan was paid off XXXX years ago. We have made repeated attempts to obtain the title : - We tried to access it through the Hyundai Motor Finance XXXX. - We called and emailed XXXX XXXX multiple times with no response.…

I am filing this complaint regarding Kia Finances mishandling of a {$660.00} refund check and their failure to properly maintain and update account information. Kia Finance advised me that a refund check in the amount of {$660.00} was mailed on XX/XX/year>. As of XX/XX/year>, the check has not been received. During multiple phone calls with Kia Finance, I learned that the check was mailed to an old address despite my address having been updated for some time. I was further informed that Kia Finance updated the address associated with my name, but failed to update the address associated with my husbands name on the same account. The refund check was then issued solely in my husbands name and mailed to the outdated address. We have an active XXXX mail forwarding order in place, and XXXX has confirmed that mail sent to our former address is being forwarded to our current address and even has a note on our mailbox to forward all mail to our new address.…

This complaint concerns Hyundai Capital America / Kia Finance America 's continued billing, collection, and credit-reporting practices on my disputed vehicle lease account. XXXX does business as Kia Finance America and has confirmed in writing on company letterhead that it is : ( 1 ) attorney-in-fact for Hyundai Lease Titling Trust ; ( 2 ) the initial and current beneficiary of HLTT ; ( 3 ) the exclusive servicer of HCA-managed consumer lease accounts ; and ( 4 ) the beneficial owner of my vehicle and lease. On XX/XX/XXXX, my retained litigation counsel served Hyundai Lease Titling Trust and Hyundai Capital America / Kia Finance America with a formal written lease-account dispute and revocation notice. The notice demanded cancellation of the lease, return of all amounts paid, and written confirmation that no adverse credit information would be reported. XXXX assigned XXXX XXXX. XXXX to this dispute. The response deadline was XX/XX/XXXX.…

I am requesting the immediate return of the excess loan amount that were sent to Hyundai XXXX after my vehicle was declared a total loss on XX/XX/26. Hyundai represented a payoff amount of {$4100.00} in which XXXX provided. However, the remaining amount of my loan was only {$1000.00}. I was told I will be receiving a refund of {$3000.00} via check delivered to my residence in the mail. I have not received this check, when speaking with Hyundai XXXX I was told the check was sent 3 weeks ago. When I called today they informed the check was sent to an " XXXX '' but they did not have an address or more information.

( HYUNDAI FINC ), XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date Opened : XX/XX/year> Balance : {$31000.00} I have no recollection of applying for or entering into any vehicle financing agreement with Hyundai Finance. I did not authorize anyone else to open this account on my behalf. This account appears to have been opened fraudulently using my personal information without my knowledge or consent. I have already filed a dispute with the credit bureaus and reported this as identity theft with the FTC. Despite this, the account remains on my credit report and continues to negatively impact my credit standing. I am requesting that the CFPB investigate this matter and that Hyundai Finance immediately remove this fraudulent account from all three of my credit reports ( XXXX XXXX XXXX XXXX XXXX, cease any collection activity related to this account, and provide documentation of how this account was opened and verified

On XX/XX/XXXXXXXX I did an application online for a XXXX XXXX XXXX. Talked to the salesman at HYUNDAI XXXX XXXX XXXX in XXXX Louisiana . I went to dealership once I got there i was told that I was denied for the XXXX. Ran an application again and put me into a XXXX XXXX XXXX. I explained to them I was on XXXX but commenced on telling me that I had to have XXXX down which I did I placed XXXX down on the car. Waited 6 hrs for them navigate the paperwork.i explained to them that I am on fixed income and they still put me in the car at XXXX. I received a letter from XXXX XXXX stating my information was in a data breach for XXXX XXXX XXXX XXXX. Hyundai contacted me and told me that my payments were being deferred.i then noticed on my credit report that they charged the caroff. On XX/XX/XXXXXXXX XXXX XXXX XXXX had their agent come to my home to reposses the vehicle.i told the tow truck driver no that I needed to get on phone with hyundai.…

The authorized Hyundai dealership ( XXXX XXXX XXXX ) explicitly told me the vehicle was acceptable upon grounding, which actively denied me my contractual right to mitigate damages ( i.e., replacing the tires yourself for cheap ). Charging a full {$900.00} replacement fee for a microscopic XXXX '' tread variance or less on most tires is predatory and deceptive based on the dealer 's explicit verbal guidance. I brought the car in for service earlier that month and was not told about any risk of the tires being too close to the wear rating. They actually told me that I did not need service since I was turning in the car anyways... I do not believe that they measured the tires correctly and are doing this as a scam. My car had under XXXX miles so the wear does not match the drive history

We leased a XXXX XXXX XXXX XXXX from them, after 13 months, we returned the vehicle the day we were supposed to. We called the dealer and dropped it off at XXXX XXXX in XXXX, VT. We confirmed with them, is there anything else we owed, and they said no. ( We made the last payment 2 months early. For the next week or two we get multiple calls from Hyundai asking if we were going to turn the vehicle in, we had to explain each time, it's already been dropped off, and it should be all set. 3-4 months go by, and we get a derogitory mark on our credit scores. Reached out to Hyundai and they say we still owe {$400.00}. We explained that everything was paid, and we confirmed with the dealer we were good to go, ( NOTE : THIS DEALER IS NOW OUT OF BUSINESS ) They claimed they had called multiple times ( untrue, not once did they call ), When we called they said we tried calling yesterday, and we checked they never tried, there wasn't even a missed call.…

I am filing a complaint against Kia Finance regarding an unresolved vehicle title transfer that has been ongoing for approximately two years. I have a vehicle financed through Kia Finance that was originally titled in Georgia. After relocating to Oregon, I began the required process to transfer the title and register the vehicle in Oregon. Despite maintaining continuous, on-time monthly payments and complying with all loan obligations, Kia Finance has failed to complete or facilitate the interstate title transfer. I have contacted Kia Finance multiple times over the past two years and have repeatedly been told that a request would be submitted to their title department and that I should call back in a few days. No resolution has ever been provided, and no specific explanation has been given for the delay or failure. I have confirmed with the XXXX DMV that no title paperwork, transfer documents, or lienholder submissions have ever been received from Kia Finance for this vehicle.…

XX/XX/XXXX : Called the customer service line requesting a document from KFA stating that KFA and its parent company Hyundai Capital America ( HCA ) are the same entity. My issue was that NJ XXXX is refusing to issue my car title due to the lienholder name on my XXXX release letter from KFA ( KFA ) not matching the name in the XXXX 's system ( HCA ). I was told by the customer agent that I would receive the document by the following week via express FedEx mail. I paid off my car loan in XXXX, after which KFA was supposed to send the NJ XXXX an electronic lien removal request and generate my car title all the way back then, but for some reason I never received the car title in the mail.…

CONSUMER COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU Submission Method : Online Portal Complaint Reference : [ CFPB CASE NUMBER - TO BE ASSIGNED ] ________________________________________ COMPLAINANT INFORMATION Full Legal Name : XXXX XXXX Current Mailing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX Primary Phone Number : ( XXXX ) XXXX Email Address : XXXX Jurisdiction : XXXX, Nevada ________________________________________ FINANCIAL INSTITUTION INFORMATION Company Name : Hyundai Motor Finance Company Product Type : Auto Loan/Vehicle Financing Vehicle Information : XXXX XXXX XXXX Vehicle Identification Number ( VIN ) : XXXX Approximate Monthly Payment : {$670.00} Loan Origination Period : XXXX XXXX ________________________________________ DECEASED BORROWER INFORMATION Deceased Borrowers Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Date of Death : XX/XX/XXXX Last Known Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NV XXXX Last XXXX Digits of Social Security…

I am filing a formal complaint against Kia Finance for an unfair, abusive, and deceptive repossession stemming from internal system errors, broken electronic signature processes, and a total failure to notify me of an account status change. I fell approximately 1.5 months behind on my auto loan payments. In good faith, I contacted Kia Finance and requested a 2-month deferral to bring the account current. A Kia representative reviewed my account and formally approved the deferral request. Following this approval, Kia Finance sent an electronic signature link to finalize the paperwork. However, Kia 's electronic portal locked the document with a password that was never provided to me, making it technologically impossible for me to sign. Because the electronic document remained unsigned due to Kia 's technical error, Kia Finance internally revoked the deferral agreement.…

We purchased a new XXXX XXXX XXXX ( VIN XXXX ) in XXXX of XXXX. We financed the car through Kia Finance America. The terms of the loan were for 48 months. The payment amount was set by the Kia Finance. All payments were made on time as we had set these up to be deducted from our checking account. In XX/XX/XXXX, we made our last payment. However, over two years later, when recently trying to sell our car, we learned we had a lien on our vehicle and a balance owed of {$65.00}. We received no notification in two years that we owed money and believed that we had satisfied our obligation in making all of the monthly payments on time, as per the terms of the loan. When I reached out to Kia Financial, I immediately paid the balance plus the interest that had accrued ( the final total was XXXX ). However, this did not immediately release the lien and it had taken an additional 2 weeks to receive notification that the lien was released.…