| 04/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American, Servicemember |
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XXXX XX/XX/XXXX : As sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Modifications for CFPB informational purposes.
Kia Complaint XXXX : Kia Motor Finance XXXX XXXX XXXX XXXX Below is a timeline regarding the purchase of a XXXX Kia XXXX with percieved contract issues. This Email is the culmination of 8 months of attempted fact finding as a result of approximately 60 calls to Kia Finance, Kia Corporate, over a hundred hours of phone time, XXXX discussions at XXXX XXXX ( With XXXX XXXX XXXX ) XXXX XX/XX/XXXX : Purchased XXXX Kia XXXX XXXX Line at XXXX Kia. General Manager XXXX XXXX, XXXX XXXX XXXX - Left Dealership at approximately XXXX PM.
- Left Trade ( XXXX XXXX XXXX XXXX ) XXXX XXXX at dealership and was given a loaner XXXX XXXX as my vehical was not ready for delivery.
XXXX XX/XX/XXXX : - I was in the area of XXXX Kia as I was checking on my XXXX XXXX being serviced at nearby XXXX XXXX and stopped into XXXX Kia to ask a few questions about XXXX in general.
- A salesman came up to me and asked if I were interested in buying a new XXXX. We talked for a bit and I explained that I had just purchased one at XXXX Kia. He asked what kind and I stated XXXX line. I told him that was not too overly familiar but, I thought that I would have preferred a XXXX or XXXX. He stated that he had a XXXX come in recently in a XXXX that I actually preferred over the vehicle at XXXX.
- He then took me inside and introduced me to XXXX XXXX XXXX who was up behind the raised sales area with his sales XXXX and other personnel. I explained that I had already purchased a vehicle but it would have been nice if I had bought a higher model line. XXXX XXXX asked if they had delivered the vehicle. I told him that they had not as it was still being prepped.
- He told me that I didn't have to buy the vehicle from XXXX and I could buy his upgraded XXXX. I knew both dealerships were under XXXX ownership. I agreed to purchase from XXXX under the VERY VERY expressed condition that XXXX deal with XXXX in all matters pertaining to and including ; informing them of the new transaction, picking up the trade, taking back the loaner. I was crystal clear about this condition and XXXX XXXX and his Sales Manager both agreed that they would take care of everything with XXXX.
- Purchased a XXXX Kia XXXX XXXX XXXX from XXXX Kia Genera Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vehicle Traded XXXX XXXX XXXX XXXX XXXX miles on Odometer : Vehicle had been nearly undrivable due to smell. Vehicle issued recall.
XXXX XX/XX/XXXX : Received approximately 20 calls and texts from XXXX KIA XXXX Mostly From XXXX XXXX asking when i was going to take delivery of my XXXX purchased from them.
- I did not respond until Monday the XXXX as i was under the impression that XXXX XXXX and staff would eventually take care of the issue.
- I suggested they contact XXXX Kia XXXX XX/XX/XXXX : Received call from XXXX XXXX that they had transferred both the vehicle and the deal back ( XXXX Kia XXXX XXXX ) to XXXX Kia and asked that I go to XXXX and sign new paperwork to purchase the vehicle. He gave me no reason and I was not too happy having to go back and sign another contract but I told him that I would go and take care of that on the XXXX.
XXXX XX/XX/XXXX : Went to XXXX Kia and talked directly to the General XXXX, XXXX XXXX XXXX. He stated that the vehicle deal was now owned by their dealership but the deal would have slightly different numbers as they had certain dealership adds.
- I then stated that I would no longer be interested in purchasing the vehicle. I told him that I was done being run all over town and people not doing what they stated what they would do. I then asked to be given my trade back. XXXX XXXX declined to give me back my trade.
- XXXX XXXX stepped out of his office and called XXXX XXXX ( talking to him for approximately 3 minutes ) and then put me on the phone with XXXX XXXX. XXXX XXXX also declined to give back my trade. He stated that he still had an active deal in place at his dealership and that I would now have to take delivery of the car through his dealership. I went back to XXXX Kia and left the XXXX there to complete delivery work ( Window tint and other assorted items ) XXXX XXXX apologized for the run around and added some free service coupons to the deal. I did not sign a new deal or do any additional paperwork on that day.
XXXX XX/XX/XXXX : Picked up my XXXX XXXX - Went into XXXX XXXX 's office and asked him to remove the Gap Insurance ( {$77000.00} ) and the Extended Warranty ( XXXX ) - XXXX XXXX stated that i should see something back on that in about 30 days XXXX XXXX XXXX Hrs : Received a call from XXXX XXXX stating that I needed come in and sign all new paperwork for the XXXX XXXX XXXX. He stated that Kia Motors had been hacked and that they had lost all of my paperwork. He stated that it in addition to myself, it had also affected XXXX of his other customers. I told him that i would not be able to make it in for a bit as my friends brother was in the hospital XXXX of XXXX in XXXX XXXX and that I also had a sick dog and told him that i was at the Vets office as we spoke. I told him that I would be in as soon as I could to sign all new paperwork.
* NOTE : In at least XXXX separate conversations with supervisors from KIA/Hyudai Motor Finance that my financial records had in no way been hacked. They stated that would have been a matter of significant importance and that I would have been notified immediately through multiple methods 15 XX/XX/XXXX XXXX : Called into KIA Motor Finance XXXX
- Attempted to make a payment and set up an auto pay. Was told that there was no longer a loan on the vehicle and that it showed paid. Loan number XXXX. I was told that nothing could be done regarding the account. No payments could be made ; no auto payment could be set up.
- I asked Kia to make notes in my account stating that i had called and attempted to make a payment and set up an auto payment.
- Due to the call from XXXX XXXX and info from Kia Motor Finance, I immediately stopped driving the vehical until I could determine what was going on. Vehicle had XXXX miles.
- Current mileage on auto is XXXX miles.
XXXX XXXX XXXX XXXX Numerous calls made to KIA/Hyundai motor finance as to status of account. No joy ; account still showed closed XXXX XX/XX/XXXX : Letter sent from KIA Finance.
XXXX Retail installment Contract dated XX/XX/XXXX Vehicle XXXX Kia XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congratulations! Our records reflect that your retail installment contract, referenced above is paid in full.
XXXX XXXX XXXX : Went in person to talk to XXXX XXXX and XXXX XXXX XXXX. First Discussion was with XXXX XXXX : - He reiterated that Kia was hacked, hence the issues with my contract. They were not able to book the original loan ; later in the conversation he stated that they were able to re-book the original loan.
- I asked at that time when the Gap ( XXXX ) and the extended warranty ( XXXX ) would be coming off the loan. I had gone into the dealership on XXXX XX/XX/XXXX and asked XXXX XXXX to take off the XXXX items and again on XXXX XXXX. He stated that it would come off in 4 to 6 Weeks.
- He stated that they had " found '' the original contract. I asked for a copy.
- He stated that he could get in " on the backside '' in certain circumstances make some changes.
- He stated that internally that the dealership they made a payment on the vehicle - At that time, I did not know the whereabouts of my original documents on the thumb drive provided at the time of purchase as provided to me by XXXX XXXX - I told him that since the call from XXXX XXXX and the call to Kia that i stopped driving the car.
- He stated that he would ask for a signed copy of the contract from Kia and Email it to me.
XXXX. Second conversation with XXXX XXXX ( same place-same date ) - XXXX XXXX again stated that Kia had been hacked. His language this time was different. The first time he told me that Kia was hacked and all my paperwork was lost. This time he the stated that Kia went down and the information was unavailable to them.
- He stated that they found the original loan.
XXXX XXXX XXXX Received copy of contract via Email from XXXX XXXX XXXX PDF had Copy and Customer Copy superimposed on the document ) XXXX XX/XX/XXXX RETAIL INSTALLMENT SAME CONTRACT-SIMPLE FINANCE CHARGE ( WITH ARBITRATION PROVISION ) - By that date I had found my original thumb drive recieved on XXXX XX/XX/XXXX - Contract mailed by XXXX XXXX did not match ( PURCHASE DATE SIGNATURE ) contract on Thumb Drive - Signatures on contract mailed from XXXX XXXX does not match any on thumb drive.
XXXX XX/XX/XXXX : Asked XXXX XXXX via mail if he had a copy of my complete package I received on XXXX XX/XX/XXXX - No reply XXXX XX/XX/XXXX : Per suggestion from Kia Motor Finance, I filled an official complaint against XXXX Kia with Kia XXXX - XXXX Hours : Within 30 minutes I received a call from XXXX XXXX yelling at me threatening to sue me.
- XXXX Call from XXXX XXXX threatening to sue me for liable.
- XXXX call from myself to Kia Corporate asking that they call XXXX XXXX and ask them to not call me until they had completed research.
- XXXX Calls from XXXX XXXX XXXX. XXXX : Answered XXXX XXXX and we talked for XXXX Minutes.
-I began by trying to explain my concern and lack of knowledge as to why I had XXXX contracts for my vehicle.
XXXX XXXX STATED : It was not possible for there to be XXXX contracts. " We did our due diligence and had cancelled the XXXX Kia XXXX contract. There is ABSOLUTELY NO WAY that we would have sent you over to another dealer with the possibility of XXXX contracts.
-Towards the end of the conversation, XXXX XXXX XXXX me what we need to do to resolve the situation.
A. I told him that I needed to have the dealership come and pick up the XXXX, pay off the XXXX, and give me a vehicle equal in value to my XXXX XXXX XXXX XXXX that they took in trade - XXXX XXXX stated that is something that they could do but, he would like me to mail him a copy of the contract that was sent to me by him by way of Kia and my copy of the contract that was given to me on the day of purchase. I told him that i could do that.
XXXX XXXX XXXX PM : Sent an Email to XXXX XXXX asking him : XXXX. Just wanted to double check to see if we can progress XXXX. Do you ( XXXX XXXX ) have the horsepower there ( as a part of management ) to go back in time? ( Hypothetically ) XXXX. Take back XXXX XXXX, payoff loan, current mileage on XXXX is XXXX miles XXXX. Found a suitable vehical, XXXX Kia, Cost to me would be XXXX including taxes and registration. XXXX is what I owed on My XXXX XXXX XXXX time of trade.
NO REPLY-NO MORE CONTACT WITH DEALER TO PRESENT TIME From : XXXX XX/XX/XXXX to XX/XX/XXXX there have been zero explanations as to : XXXX. Why the vehicle deal was transferred back from XXXX Kia to XXXX Kia?
XXXX. Why did the Finance Manager state that the XXXX deal was cancelled before being transferred back?
A. Why would the GM ( XXXX XXXX ) say that there was still a deal in place ( Via Phone call from XXXX XXXX cell to XXXX XXXX ) if the deal had been cancelled at XXXX as per XXXX XXXX?
XXXX. Why did the GM call in XXXX and state there was a hack and all the paperwork was lost and i needed to resign it again?
A. With " no '' paperwork, how did the Kia get plated/Registered?
B. With no paperwork, how did my trade get sold?
XXXX XXXX Separate Supervisors at Kia finance stated unequivocally that there were no hacks what so ever to customers finance paperwork.
XXXX. How and with what funds was the first contract paid off.
XXXX. Why was a new contract started in XXXX?
A .Why was a payment made in XXXX to a second contract and dated back to the original start date of XXXX XXXX?
XXXX. Why in some of the Kia systems do both contracts have the same start date of XXXX XXXX but most systems show a XXXX XXXX start ( 61 days past original ) XXXX XXXX made an ineffectual effort to try and explain the all the oddities. **** Looking back in retrospect****They only feigned an attempt to explain XXXX contracts when in fact KIA FINANCIAL ENGAGED IN CONTRACT FRAUD, by never explaining the details of XXXX contracts and in fact assisted XXXX Kia in fabricating a second contract ( XXXX without my signature ) Info by Kia Finance throughout process : 1. I was told once that there were XXXX contracts because there were XXXX VIN numbers but after a recheck. Both contracts had the same VIN XXXX. I was told that I must have gone in and signed a new contract. I explained that even though I was asked to, I only signed XXXX. XXXX XX/XX/XXXX XXXX. They could not explain why so many items looked as though they were back dated.
A. They ( STATED ) that they made an attempt to get some answers and called the business office and were told that normally they could explain why certain things were done to contracts but this one was in the exclusive arena of XXXX XXXX. Calls to XXXX XXXX from Kia Motor Finance went un-answered and no calls returned. ( SO THEY STATED ) B. After no response from XXXX XXXX to Kia Finance, Kia Finance gave me the number to Kia Consumer Affairs and suggested I file an official complaint.
C. They also stated that I should file a police report.
a. I stated that it was not a police matter per say and that I would have to file a complaint with the Arizona State Attorney General and the Arizon Department of Transportation, Dealer Investigations.
b. I stated that it was my preference to keep working at the lowest levels hence my conversations with XXXX XXXX, XXXX XXXX XXXX, Kia Finance and Kia Customer Service.
To the best of my knowledge, every call to Kia since XXXX XXXX has been recorded. I have phone records for every call dialed into and out of my phone since XX/XX/XXXX, copies of all emails, original digital paperwork, Payoff letter on contract XXXX and of course Kia Financial has their records,.
It is my considered opinion that the contract from XXXX Kia was indeed cancelled before I was sent back to XXXX XXXX. I believe it because that is what XXXX XXXX told me XXXX. I believe it because the original went paid and therefore disappeared ( PER KIA CORPERATE ) XXXX. I believe it because XXXX XXXX asked me to come in and sign all new paperwork.
XXXX. I believe that I had " NO '' valid contract at the time that I asked for my XXXX back. If that in fact is the case, then I am not the owner of XXXX. That is why I stopped driving the vehicle after my XXXX XXXX phone call to Kia Finance and it currently sits at XXXX miles.
XXXX. If in fact there was no contract as of XXXX XXXX, then my XXXX was not legally available for the dealer to sell.
XXXX XXXX I would sincerely appreciate any assistance that you can provide in explaining the happenings form XX/XX/XXXX to present and anything else that you might be able to do to rectify the situation. Kia Finance, Kia Corporate has offered 3 remedies, 1. Get it worked out with Dealer ownership.
XXXX. Hire a lawyer XXXX. File a police complaint ; which would put a slowdown to any events from Kia Motor Finance Kia is currently showing the account ( XXXX loan which i did not sign ) Charged Off Kia Complaint : XXXX Currently Stems from the failure of XXXX XXXX to remove the charges for the GAP and Extended Warranty.
Since my return from a XXXX assignment in XXXX, I have owned over XXXX cars, all for pleasure, none for profit. In that time, I have only purchased XXXX brand new vehicles, XXXX XXXX XXXX Platinum, A XXXX XXXX XXXX and XXXX all from XXXX. I have been a loyal customer to include service work.
Please feel free to contact me at any time with questions of if you would like to see any documents. I can be reached at xxx-xxx-xxxx at any time.
If I miss a call, it is because I am extremely hard of hearing. A text is is easier for me to see to respond.
Thank you. END OF MAIL AS SENT TO XXXX XXXX IN XX/XX/XXXX ( WITH A FEW EDITS FOR CFPB COMPLAINT.
XXXX XX/XX/XXXX Engaged the Services of XXXX and XXXX XXXX to assist with Kia Financial
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| 12/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Im writing to have my case reviewed and have tried several times to obtain assistance through several departments inside Hyundai. In XXXX, I like many, was suddenly affected by COVID. Both my part time employers ended, and my main employer shut down for during the mandate. Hyundai was able to defer a few payments which I was very grateful for. On XXXX I spoke with XXXX and found out I was 37 days past due and they could no longer defer. I tried to get a loan to consolidate all my debt knowing I had several creditors requiring minimum payments. I spoke with XXXX on XXXX trying to set up a meeting to discuss options for me and was asked to allow time for a manager to call me back. After several weeks of no manager call back, I called back on XXXX and spoke with XXXX. He escalated another complaint in hopes someone would call me back.
I was finally able to obtain a phone call shortly after. The supervisor, which I appear to have misplaced her name spoke to me apologized that no one had called me back. She understood I was behind and affected by the pandemic. I told her my job was soon to start back up and I would be able to make the payments. I did mention I for sure could make 1 and was hoping that would get me back on track. I was also concerned about my credit. She pointed out that the credit wasnt anything she could help me with but explained others would be in same position so creditors should understand but did admit she couldnt help. I told her that was fine I would try to figure it out on the back end. She then said as long as Im aware she cant help with the credit listing she did point out if I can make the one payment immediately, I would be fine. She offered to do two post dated checks over the phone for the 1 payment and it agreed to have funds in the account on those dates, and she said I would be good because it would keep my payment from defaulting to a 3rd month. She said as long as I continue then once my part time job gets going, I can make a few extra payments on top of these and eventually it would catch it up. I thought this was a great idea, so she took the payment for XXXX.
After I made this payment, I continued to get dialer calls. They would call on Sunday, or any other day of the week. They would call up to 3 times a day. When I answered the dialer just dropped the call. Mind you I have set up dialer systems for multiple call centers and had pointed out to one of the callers that I was continuing to get repeated called by the dialer and I had requested to please remove me from the dialer, so I did not get every day calls because I already had my check info on file and authorization to draft the funds on certain dates. She mentioned she would kick the dialer ahead so once the payment was made, they it would call for the next payment. I said I was good w/that. The following month, XXXX, I got another call about my next payment, and authorized the same payment amount for the same time period and it went well. Shortly after I made the arrangement the dialer again started dialing me multiple times a day. I brought it up to several of the reps to please review the notes and to see that an arraignment was on file and kick the dialer ahead. They told me that if I owed money, I would get the calls. I pointed out this is deemed harassment because I clearly have payment plan on file and rather than harassing me every day about something, they already knew about what was the point other than harassment and they didnt do anything. At this point my XXXX XXXX was escalated, I felt I was having palpitations, and I asked several times, pleading with them, begging with them to stop w/the harassing calls knowing I had arrangements. It was already bad enough getting several calls from other credits, but I was not avoiding them. I had spoken to them almost every time they called explaining what I could or could not do. I did not avoid them.
Finally after speaking to someone that felt very bad about me getting so many calls and knowing I clearly had post dated checks on file and who clearly admitted it shouldnt happen they offered to remove my from the dialer but that would mean I would not get any calls even if I was late. I told them I did not care because as long as I called in then I should be fine, and they agreed! Now this is where things start going very bad.
My car payments were always due on the XXXX. As previously mentioned above I was keeping my account from going past due 3 payments by ensuring I had the checks and payments on file. By doing so I kept in good enough standings not to have my car taken. When I called in and spoke with the rep to make my XXXX payment, she advised she could take the payment, but when I went to give her the amount she said there would be an added convenience charge that I did not previously get charged for either time. I asked why the difference. She wasnt sure but said she couldnt waive it. I told her the 1st two people didnt charge me, nor was I prepared for it and already had funds allocated for other creditors. This was unexpected. She said she didnt have authority to waive it. I asked for a Supervisor or Manager. She said they were working from home so one would have to call me back. Knowing I already had a hard time with a manager calling me back in late XXXX early XXXX I was very concerned. This was quite stressful, and I was pleading to ensure someone would call me back. The rep assured me I would get a call back and said I could just make a partial payment for now then in meantime someone would call me back. I made a partial payment, but no one called me back. On XX/XX/XXXX without a return call from a supervisor my car was repossessed.
I called several times to speak to a Supervisor to see why this would occur. I spoke with a XXXX XXXX and explained this scenario above. I pointed out that I had been waiting for the supervisor to call me back. I pointed out that I was trying to put checks on file but wasnt expecting the added charge and she assured me someone would get back to me. He was quick to say from what he could see it was a valid repo. I explained he had not even heard the voice print from the call to please pull the call and listen. I had to beg this person and explain my background that I am a collection and billing manager and I understand how call centers work and this was an honest mistake. I pointed out that I am not a typical debtor. I explained this is my 3rd XXXX I have owned leased or purchased, and I had 0 % interest because I pay my bills on time but I had run into an unsuspected pandemic, and was happy to have found help w/the post dates, but was not expecting a charge that I did not get charged previously and had a supervisor or manager call me back I would have been able to make the payment and we would not be talking. He said he would pull the call and get back to me but for now there wasnt anything he could do and I had to pay the charges. In less than 15 hours I had called and made the payment in full.
Having been embarrassed by the sudden, and tragic incident I had to ask my mother for help and we both called in to make the payment. We were told the payment we were making was to catch the balance current, and we would not be due till XXXX. We asked if that was all the charges and she said yes, but then I pointed out there was a {$420.00} repo fee that I was to get charged. My mom told her to make sure that was included and in that call we paid all that was back due, including the {$420.00}, plus a service charge of {$7.00}. My mother then gave the payment in full and we both asked for a receipt to be mailed to us. No one gave us our receipts. I called several times again. Finally able to speak to XXXX XXXX again. He admitted to listening to the voice print. He claims the reason why the manager never called me back was because I was on the do not call list. I explained the rep clearly knew I needed a call back. I asked why didnt the rep realize this and either remove me or ask me if I wanted to be removed if she thought that would prevent the manager from calling me back. He acknowledged a manager should have called me back but that was the reason why they didnt, but I was still behind and I thats why the car got taken. I pointed out that I am not a typical debtor, and this is clearly an anomaly and there is enough supporting evidence that I am not trying to get away with anything and immediately paid my debt in less than 15 hours, and pointed out how this whole mishap can affect my future and my future lending with other creditors and he didnt care.
At this time I felt like I was being bullied by Hyundais collections Manager XXXX. I explained to XXXX that had the manager called me back w/in a few days I would have had time to make this payment and not have allowed this to take place. I said knew my credit would be hurting w/late payments showing but I knew as long as I stayed current enough then I would eventually catch up the back balance and have it resolved, but he didnt care. I felt like he was flexing his muscle and just didnt care. At this time Im begging for my receipt. Not only did they not call me back so I could find out why the extra charge an find a way to pay it but now they were refusing to give me a receipt claiming they mailed it to both my mom and I. Neither of us had gotten an e-mail. I called several times for several days several times in a day pleading and begging for a receipt. I just kept getting told one would get to me. When I finally got a receipt it never showed what the lady told us over the phone. There was no repo charge, nor any service charge. I called to ask why the difference and no one knew and just kept saying someone would call me back and no one did.
For the next few days, and weeks I would call regularly begging for a receipt of what we paid for. Begging for someone to please listen to the call so they can see we were told something different for what they were giving us a receipt for and many felt bad, but none could do anything about it. I then got a call from a XXXX XXXX, XXXX. She said she was the care manager and she could help me. I pointed out that I needed for her to please go back to the dates when I made those payments and listen to the call. I also asked her to listen to the call where I had been told a manager would call me back but they didnt. She gave me her direct # and assured me she would listen to the calls and call me back before XXXX. This never happened. Once again I found myself having to make 3 additional phone calls with messages over the next week after that and finally she called me back. She said she listened to the call and acknowledged the person told me a manager would call me back. She then acknowledged that the manager admitted that she didnt handle the call properly and it should have been escalated but since I was on the do not call list she found that it was justified.
By this time my head is exploding. I cant believe that no one is acknowledging had a call been made all this would have been avoided. No one is acknowledging that had had shown good intent with 2 car payments back to back and was on my way to making a 3rd but was not prepared for the sudden extra charge and was PLEADING for help. No one cared. I asked to escalate again. This time I spoke to XXXX. XXXX. She said she was the general manager. She assured me she would listen to the call. When she called me back we were trying to go through the timeline of events and what transpired, and after a little heated conversation she just hung up rather than trying to work together on a solution. Ive called several times after and left several messages, but they have gone unattended.
At this time I am very saddened that by a rare circumstance w/a worldwide pandemic, and a 3 time XXXX owner who had a worth credit to establish 0 % interest that their collection department would treat me in such a way knowing had I gotten that call I would have made those payments, and I would not have had to borrow from my mother and I would not have to waste time writing this letter and I would not have to not see my therapist more regularly due to the undue stress Hyundai financial team has caused me. I am hoping you can step in and please have a formal investigation of my circumstance.
I am asking to ensure Hyundai Financial does not allow for a repo to show up internally in their company or on my credit. I dont want to be red flagged for any reason. I also want them to waive any of the fees I had to inquire due to this unfortunate circumstance such as the {$420.00} repo fee. We were told we paid for it but have yet to see a receipt.
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| 11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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A Debt validation letter was sent to the company and they provided insufficient information to validate the debt. A dispute was made to the the company via certified mail as well as with the credit reporting agencies. The company in question made a response that they would provide me with further information and are changing information on my credit report as to buy more time as the debt being validated. They can not produce the information in the timely manner as reflected in the FDCPA. Also changing incorrect information with to reflect how they want things reported on my credit report as validated can be considered a violation of the FDCPA & FCRA. Also this company has violated XXXX XXXX reporting acts as well as UCC. They are past their time bared period and this blatant defamation could result in fines and damages per each violation of the FDCPA. They have also contacted my family members of this debt in the past not to acquire a location, but to discuss the debt in question and a record has been kept by XXXX XXXX, XXXX XXXX and others they have reached out to this is a violation of the FDCPA 804. Acquisition of location information ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
After numerous attempts to rectify what is is inaccurate reporting they continue to report unvalidated erroneous information on my credit report as validated. A certified letter has been sent to inform me as to how they validate my debt and no response has been given. They have numerous occasions either changed/corrected their errors on my credit report instead of removing the erroneous information that has been reported. Pursuant to the FDCPA 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
15 USC 1692h These items MUST be removed from the credit reporting agency since the initial 30days time limit has expired and this company should not correct the information to further report erroneous information. If it was false at the time of the initial validation the the item should be removed not corrected. This would be a conflict of interest between lenders, consumers and credit reporting agencies and steps should be taken to allow consumers to have faith and fairness in credit reporting agencies and lenders.
I have attached all copies of what has been sent to the KIA Finance & KIA Motors of XXXX an my complaint is also a timestamp as to the 15 days that you have to provide me with all the information request to validated my debt appropriately.
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| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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This might just continue to be a string of unfortunate luck, however the cycle must end somewhere : Back in XXXX, a lady ran a red light and T-boned the passenger side of my XXXX XXXX XXXX ; the damage was extensive with all passenger side airbags ( front, side, and side-curtain ) were XXXX. I had XXXX XXXX at the time ; instead of XXXX having my best interests at heart ( and to save money like all insurance companies do ) they assessed the damage at 67 % which does not meet the 70 % minimum threshold in order for them to deem the unit a total loss, even though I was not the one at fault, and behested them about not wanting to and not feeling safe driving around a car in which the airbags had previously been XXXX. I know that they are set to go off only once, so it is a bit of a gamble driving around afterwards as no one is certain how the airbags will perform in another crash. Because of this XXXX said my car was still worth {$24000.00} and would not total out my car. Since I could not get assistance from my own insurance company for an accident that I was no way responsible for, I wanted to switch out cars now as I did not feel safe driving the XXXX. In working at XXXX XXXX Auto Finance, I had some good relationships with local dealers, in particular the Hyundai Dealership ( I also worked at Hyundai prior to XXXX XXXX and is a reason why I had such an affinity to XXXX vehicles ) and so I went there to exchange out my XXXX for a new Hyundai on XX/XX/XXXX.
However, when I got to the dealership, the {$24000.00} quoted value of the car XXXX stated it was worth was no where near the value the dealer gave me ; they originally came back stating the car was only worth {$16000.00}, an {$8000.00} difference from what XXXX had provided. I was able to work the value up to {$18000.00}, but still {$6000.00} difference is a lot to cover, therefore the best option I had at the time was to lease a car to absorb that loss in value and then at the end of the lease be able to walk away with out another big hit. XXXX and I at the dealership to help keep the monthly payment down with rolling in all that negative equity decided a 48 month lease would be best. Being around dealerships and auto finance, I know that 4 year leases are rare, and typically they are 24 or 36 month leases, but was totally on board do to the situation I found myself in, through no fault of my own. If I had my wish, that lady would never have ran that red light and I would not be at a dealership trading in the XXXX, that I purchased for a lease.
Fast forward to XX/XX/XXXX, and my 48 month lease with Hyundai had reached maturity and was at end-of-term. For the past 4 years I had made every payment on time to HMFUSA ( 80 % were at {$510.00} and then in the final 18 months the payment was {$480.00} ) without missing a beat ; again was never late nor did I miss one. Upon lease maturity, I had now moved from the XXXX XXXX to Virginia during the length of the lease and knew that there was going to be an excess mileage charge as I did exceed the allotted amount by a little bit. I was fine with this and was willing to pay as that is disclosed right in the Lease contract I signed in black and white as to what the over-mileage penalty per mile would be. What is not disclosed in the contract, not is there any monetary value associated with it, is the amount of wear and tear Hyundai can deem as " excessive '' and that there are not timeframes on the wear and tear and charges in relation to the time frame ( i.e. 24, 36 or 48 month lease I would think would have different parameters around the total excess wear and tear it could charge ).
It took Hyundai 2 months to get me an end-of-term statement, as although I had updated my address on the website ( XXXX ) they were sending the statements to a previous address in TX, not the current one I had on file with them in VA. So in XX/XX/XXXX, I went online as I had not received a letter from Hyundai yet, stating how much over-mileage penalty I owed to officially close of the lease and have everything settled, and was absolutely floored to see excess wear and tear charges for almost {$3800.00}, and some of the stuff that it was calling out was as if I should not have driven the car at all in that 4 years in order to avoid excess wear and tear penalties ; a scuffed hub cap from friction with a curb upon parallel parking was on there and for like {$600.00}, again what they were claiming for " excess wear and tear '' was egregious for a 48 month lease, I could understand if I had a 24 month lease and the car ( which I spent numerous amounts of money keeping up with maintenance and car washes ) looked like it did, which is still great shape for being 4 years old, however, where is the statue of limitations in regards to what is acceptable as " excessive '' in relation to time-frame of leasing the car. I was a little suspect on that high of an amount and at the same time would not be able to bay {$5800.00} within in 15 days to satisfy the lease end-of-term, especially when the verbiage of due date took a much more aggressive turn, yet Hyundai was the one that sent the statement to the wrong address, twice!
Around, XX/XX/XXXX I can not remember the exact date, I called into the customer service department and spoke with a lady in regards to her lease. Her extension is XXXX ; I asked her to look into the excess wear and tear charges and provide to me a justifiable answer as to how Hyundai can get away with charging that much in fees after a 4 year lease. The Lady was extremely helpful and polite, and after discussing the charges with her, she kindly took off {$1300.00} of the excess wear and tear charges, bringing the total owed from {$5800.00} to {$4400.00}. The lady told me that this will reflect after 7 business days, and if I were to call in to make a payment in that timeframe it may not be reflecting the new balance internally yet.
The customer service representative then asked if I would be able to pay the amount in full to satisfy the end-of-term, to which I replied that I was not in a position to do so and would like to see if I could pay it down within the next few months contributing what I could ; she advised that if the balance what not paid in full by XX/XX/XXXX, that even though the last 4 years of ontime payments for the lease were made, the final payment might now reflect " Late '' after XX/XX/XXXX until the balance is paid in full, but there will be no harm in making monthly payments and the balance will not Charge-off. She then asked if I wanted to make a payment today, and I advised I had a meeting so I could no longer remain on the phone, and I felt more comfortable making payments once the new lower balance reflects in the 7 business days. As of XX/XX/XXXX the balance on the account still shows the original {$5800.00}, which is very disheartening, as they keep texting me and calling for me to and give them money that they are egregiously requesting, without showing a sign of good-faith and updating the balance to reflect the correct lower amount. Many times I went online to pay what I could toward the balance, however, even though the text messages I was receiving said I could, when I went online I was unable to make any payments and had to call in.
I have a full-time job, am currently enrolled in night school, getting my XXXX, have a 21 month old daughter, and a wife who is 7 months pregnant ; finding time to call in to them is really tough and Hyundai 's lack of care for the situation is very inconvenient.
In XXXX, I received another letter from Hyundai that still reflected and demanded the old amount of {$5800.00}, however with updated verbiage that if the balance was not paid by XX/XX/XXXX the account would be charged off. To be honest I was livid. I spent the last 4 years paying $ XXXXmo to them without missing a beat and always on time, called in to get some help as I have every intention of settling the lease, received that help or thought I did, and now the exact thing Hyundai said would not happen, is happening, they are going to ruin my credit and charge-off this lease, although I have made many attempts to resolve this with Hyundai and they still can not disclose the agreed upon amount that I owe.
Therefore, on XX/XX/XXXX I called the number on the letter I had received and spoke to XXXX in the XXXX XXXX XXXX department of Hyundai ; she was extremely rude, inconsiderate, unprofessional, and never treated me with respect. All she saw was that I have an outstanding balance and " I better pay it. '' In the middle of her interrupting me every time I tried to ask a question or get clarification, I was finally able to inquire about the discrepancy in the amount on the letters I am receiving and what is disclosed online versus what the customer service representative I originally spoke to and I, agreed upon. XXXX put me on a 10 minute hold, and when she came back to the phone, she confirmed that she was able to find the notes of the conversation I had with the customer service rep. and that they will honor the lower balance owed. Upon stating that she immediately got aggressive and asked if I would be making a payment to cover the entire balance at that moment over the phone, to which I started to respond with my answer and she cut me off again and demanded I settle up in full at that moment. I advised her, that I am skeptical as I have been down this road before and would like to actually see the lower balance that was agreed upon reflected just once and I will start making the monthly payments I had spoke with the original customer service rep. about. XXXX very abruptly advised me that there is no such thing as paying the balance down, I could not make monthly payments, the original person I spoke to was " lying '', and that if the balance is not paid by the XX/XX/XXXX it will be a charge-off no matter what. I then proceeded to ask her if I am " sh*t out of luck, as I called when I first knew about the balance seeking help and assistance from Hyundai as I had all intention of paying off the loan in full yet I was not in a position to do it all at once, I am sorry $ XXXX is a lot of money at one time, are you saying you are unable to help? '' To which she essentially responded, yes you are out of luck, there is nothing I can do, and she is unable to help. She then pressed me again to pay the entire amount on the phone, and if I did not it will be charged-off, I said I was not in a position to do so, and she ended up disconnecting us.
On XX/XX/XXXX 7 days after I had spoken with XXXX, ( who again stated she updated the amount to reflect the lower balance that had been agreed upon ) I received a letter from Hyundai dated XXXX ( so still drafted after my phone call with XXXX ) stating that Hyundai was willing to settle with me for 80 % of the original balance. I was unable to call in that day so I filed a complaint online with Hyundai Consumer Complaints and did not hear anything back in their SLA for a response. Therefore on XX/XX/XXXX I called in to the Complaints department and after telling all that had happen over the past couple month and the letter I had just recently received again with the incorrect balance being reflected, I was told by him, he was unable to help as though it is the Hyundai Complaints department, it is only for vehicle or dealer issues, they are unable to pull financial information or accounts, and in order to solve this I need to call the same number back and " see who was telling me the truth. '' Even though on the website Hyundai states no complaint is to big or small, they handle them all ( paraphrasing ).
I have not been able to get anywhere, and I have never said I am not going to pay, I have been trying to pay and asking for assistance and at one point I had it, but that seems that was just a farce.
|
| 01/07/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Please be advised that I purchased a vehicle with Hyundai Capital American and executed a retail installment contract on XX/XX/XXXX. As I am reading your current Prospectus, I see that all of the retail installment contracts received from Hyundai Capital American are transferred to your Hyundai XXXX XXXX, XXXX account for the benefit of the Hyundai Auto XXXX Trust and is being sold to investors through the secondary market as stated your Prospectus copied as follows : Security Interests in the Financed Vehicles Obtaining Security Interests in Financed Vehicles. In all states in which the XXXX have been originated, retail installment sale contracts such as the XXXX evidence the credit sale or refinancing of automobiles, light-duty trucks and/or other types of motor vehicles. The XXXX also constitute personal property security agreements and include grants of security interests in the vehicles under the applicable XXXX. The XXXX are tangible chattel paper or electronic chattel paper, in each case as defined in the XXXX.
Perfection of security interests in the vehicles is generally governed by the motor vehicle certificate of title laws of the state in which the vehicle is located. In most states, a security interest in an automobile, a light-duty truck and/or another type of motor vehicle is perfected by the notation of the secured partys lien on the vehicles certificate of title. In most cases, the certificate of title exists in physical form and will be held by the servicer. In certain other states, certificates of title and the notation of the related lien may be maintained in the electronic records of the applicable Department of Motor Vehicles or the analogous state office. As a result, any reference to a certificate of title in this prospectus includes certificates of title maintained in physical form and electronic form which may also be held by third-party servicers. HCA will warrant to the depositor that the originating vehicle dealer has taken all steps necessary to obtain a perfected first priority security interest with respect to all financed vehicles securing the XXXX and that the security interest has been assigned to the issuing entity or that all steps will be taken to obtain such security interest and other such assignments. If, because of clerical errors or otherwise, the notation of the security interest on the certificate of title relating to a financed vehicle is not effected or maintained, the issuing entity may not have a first priority security interest in that financed vehicle.
If the originating vehicle dealer did not take the steps necessary to cause its security interest to be noted on the certificate of title for a financed vehicle until after 30 days after the date such security interest was created and the related obligor was insolvent on the date such steps were taken, the perfection of such security interest may be avoided as a preferential transfer under bankruptcy law if the obligor under the related XXXX becomes the subject of a bankruptcy proceeding commenced within 90 days of the date of such perfection, in which case HCA, and subsequently, the depositor, the issuing entity and the indenture trustee would be treated as an unsecured creditor of such obligor.
Perfection of Security Interests in Financed Vehicles. HCA will sell the XXXX and assign its security interest in each financed vehicle to the depositor. The depositor will sell the XXXX and assign the security interest in each financed vehicle to the issuing entity. However, because of the administrative burden and expense of retitling, the servicer, the depositor and the issuing entity, except where applicable law requires, will not amend any certificate of title to identify the issuing entity as the new secured party on the certificates of title relating to the financed vehicles. Accordingly, XXXX will continue to be named as the secured party on the certificates of title relating to the financed vehicles. Under the XXXX, assignments such as those under the XXXX purchase agreement or sale and servicing agreement are an effective conveyance of the security interests in the financed vehicles without amendment of the XXXX noted on the related certificate of title, and the new secured party succeeds to the assignors rights as the secured party. However, there exists a risk in not identifying the issuing entity as the new secured party on the certificate of title that, through fraud or negligence, the security interest of the issuing entity could be released, another person XXXX acquire ownership of the motor vehicle free of the security interest of the depositor, the issuing entity and the indenture trustee, or another person could obtain a security interest in the applicable vehicle that is higher in priority than the interest of the issuing entity.
I see that when I provided my application and my retail installment contract with your company, I gave you a security interest which is an obligation of the United States which makes my security interest cash. I see that as a note holder, I have not received an valuable consideration in exchange for my asset backed XXXX and chattel paper, as well as, my executed retail installment contract in which Hyundai Capital of America converted into a paper-based securities or certificate of indebtedness and being sold to investors for capital raising efforts which is minuscule consideration effectively masking my lien as a gift in this contract. According to your Prospectus on file with the SEC, all applications submitted through Hyundai Capital of America, its underwriters and its affiliates are being offered as a part of your global capital raising efforts offered in your Prospectus. Since your Prospectus is being presented to investors in exchange for capital contributions this is very deceptive and misleading to consumers like myself who executed a retail install contract with Hyundai Capital of America and none of this information was disclosed to me. This gives me beneficiary status as noteholder of Hyundai XXXX XXXX, XXXX.
Additionally, I provided to your financial institution my personal identifying information in accordance with the Patriot Act under Title 12 in good faith and expecting full disclosure of how my information and personal assets would be fully utilized. I did not receive any disclosures that indicated my vehicle and/or my contract would be securitized and sold for an unlimited value through the SEC. Hyundai Capital America is selling and trading my personal information pursuant to the Hyundai Capital America XXXX, XXXX, Prospectus and Indenture Trust Agreements which are all on file with the SEC. Hyundai Capital America and its dealerships, agents and assigns are directly violating my personal privacy and numerous other violations of the SEC, HIPAA, FCRA, FINRA, FTC, CFPB and the Inspector General in accordance with the laws that govern consumer protections according to the Privacy Act of 1974, the Dodd-Frank Act, Deceptive Practices Act and numerous consumer violations against me that I will detail in this letter.
It is a violation of Rule 200 under the Securities Exchange Act 17 CFR 200 to deny me disclosures as it relates to my credit transaction, my asset backed collateral and personal information as an investor and note holder with the Hyundai XXXX XXXX XXXX XXXX pursuant to your Prospectus and the Privacy Act of 1974 as well as the Patriot Act under Title 12 of the Banking Act. Moreover, under Rule 14a-12, filed under the Securities and Exchange Act 17 CFR 201.31, Hyundai Capital America agrees to be ethically bound to not commit language fraud even in the application solicitations as stated in your Form XXXX By providing proper disclosures to all noteholders, Hyundai Capital America ensures that pursuant to the Securities Exchange Act of 1934, to be ethically bound to the language and performance of all of Hyundai Capital America public offerings , filings and commitments made to noteholders.
Additionally, per your XXXX annual filing, under the ITEM 7. Managements discussion and analysis of financial condition and results of operation ( XXXX XXXX XXXX ), your retail installment contract XXXX and consumer products are at the top of your highest grossing tier of revenue for Hyundai Capital American XXXX which means that any investment that includes my asset backed security and promissory note is a part of your highest grossing revenue. This would mean that a credit application and my vehicle title which is a promissory note that has a CUSIP number is an extremely valuable asset for Hyundai Capital America.
I provided Hyundai Capital of America my personal identifying information through the dealership not aware that my information would be forwarded to third parties as asset backed collateral of Hyundai Capital of America which is denotes me as investor in the Hyundai XXXX XXXX XXXX according to the PURCHASE AGREEMENT BETWEEN HYUNDAI CAPITAL AMERICA AND HYUNDAI XXXX XXXX XXXX WITH XXXX, XXXX AS THE INDENTURE ( Indenture ). The purchase agreement states that all securities derived from the consumer investor in the asset backed collateral is being offered as securities and sold to investors as a part of multi-denomination global securities as defined in Section 2.4 Registered Securities ; Form ; Denominations ; Depositary are converted to floating rate notes and floating rate interest payments that is due and payable to the consumer but instead is generating huge investment capital for Hyundai Capital America and I am entitled to receive the dividend interest that belongs to me that is attached to it as an investor and have my past FRNs returned as well as having all encumbrances removed from my collateral. Most importantly, The Indenture states that Hyundai XXXX XXXX XXXX provides a monetary relationship under Section 13.10 Derivative Counterparty, Supplemental Credit Enhancement Provider and Supplemental Liquidity Provider as Third-Party Beneficiary which means that Hyundai XXXX XXXXXXXX, XXXX is choosing to purchase third-party data furnishers as a means of denying consumer credit which is an egregious act of securities fraud and consumer rights violations.
In light of the information provided above, any accounts that I had with Hyundai Capital America that may be allocated as a credit loss per your XXXX, charged off as a loss with the IRS after benefiting from the original issue discount that your company received on my behalf, after receiving unlimited dividend interest as a result of Hyundai Capital America being the beneficiary of any dividend interest of any my account, let all documents containing my wet-ink signature in your possession serve as my proof of claim. Any past applications in the form of promissory notes that are still trading under my personal identifying information and any of lines of credit that I have previously held have been securitized and profited from by Hyundai Capital America according to your XXXX filing with those losses being accommodated for through your IRS filings XXXX Therefore, to attach collateral interest and continuing to take payments from me is a violation of your Prospectus on file with the SEC, as well as intentional misstatements and omissions in of your XXXX, and most importantly, an egregious violation of fraud against the Securities and Exchange Act of 1934, as filed in your XXXX, XXXX, Prospectus and Indenture Agreements.
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| 01/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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XX/XX/XXXX Emailed XXXX to inquire about how to register my car since I had moved counties and recently been married and changed my name.
XX/XX/XXXX XXXX XXXX of XXXX County told me I could register my car with my marriage certificate and documentation showing I now lived in XXXX County. He told me that only my lienholder could change my name on the title since they have your title. He then said Go ahead and renew your registration. The lien holder may not do what you ask because of all the red tape involved. You may have to wait until you pay off the vehicle and then make your name change once you have your title.
Directly following this email conversation, I updated my name with Hyundai with my marriage certificate.
I moved to Ohio and spoke with a representative at XXXX County DMV. They gave me a form to complete for my out of state title transfer request and said I could return info via phone or fax. I was told to take my time as I had a registered vehicle that would not expire for a while.
XX/XX/XXXX Gave Out of state title transfer request information via phone to employee of XXXX county DMV. This included fax number of Hyundais Title department as listed on XXXX 's XXXX XXXX website ( XXXX ) XXXX. They faxed the request XX/XX/XXXX and told me to allow a couple of weeks for the transfer.
XX/XX/XXXX Followed up with XXXX county. They had not heard back regarding request and gave me a 45 day temporary tag. I was not instructed to consider this to be abnormal, so I continued to wait.
XX/XX/XXXX After waiting again, called XXXX county and they instructed me to reach out to Hyundai. Called XXXX customer service and was given a new fax number to use via their automated response line for the title department. Also had to apply for a second temporary tag.
XX/XX/XXXX- XXXX county faxed second request to new fax number.
XX/XX/XXXX- got final tag extension 30 day tag and XXXX county told me they still had not heard anything.
XX/XX/XXXX- contacted XXXX. Representative told me a different fax number that I should use to have XXXX county fax my title request ( XXXX ) XXXX. I called XXXX county and they faxed my request for a third time.
XX/XX/XXXX- XXXX began processing the request.
XX/XX/XXXX- XXXX sent request to print title to State of GA DOR XX/XX/XXXX- called XXXX and spoke with a customer service representative. He told me that there was a discrepancy in the name. I need to contact GA and have my name changed on the title I immediately called XXXX county DMV. They told me I could do a name change on my title with the required forms and ID. I asked if I could expedite the possible 6-8 week name change process. She directed me to State of GA DOR at XXXX. I waited over an hour to speak to someone who then told me if I wanted my title I had to pay off my car. Finally, after much pleading and explaining, she understood my situation and told me that for {$10.00} extra I could send my name change documents to the title correction department of GA DOR for an expedited process. She quoted me about 2.5 weeks for the name change. I did all the necessary paperwork, rushed to XXXX XXXX and overnighted the ppwk. It was received by the morning of Friday, XX/XX/XXXX.
XX/XX/XXXX- My name was officially changed to XXXX XXXX on the title by State of Georgia .
XX/XX/XXXX- GA DOR sent XXXX title as XXXX electronically. It was received the same day along with the paper title printed in my maiden name ( name used when I bought the car ).
XX/XX/XXXX- XXXX received word that GA DMV needed to locate title XX/XX/XXXX- Called XXXX spoke with a customer service representative who says they have not received the title.
I then spent 30 minutes on hold with State of GA to be disconnected as soon as someone answered the phone. I then resorted to sending an email to State of GA that stated that my name was recorded as changed on the title on XX/XX/XXXX, but XXXX had not received it yet. I requested a status update. I received a response that day and emailed back and forth from XX/XX/XXXX- XX/XX/XXXX. They told me time and time again that GA DOR does not print titles, that it was an electronic title, and that XXXX must print on demand.
XX/XX/XXXX- called XXXX. Spoke with escalation associate, XXXX. I tried to explain to her the confusing order of events as Id been informed and that GA will not print my title. I told her that they insisted XXXX must print the title. She told me that they do not print titles and they have not received a title. She told me that she could not call the title department and that she was not sure what the notes on the account meant, but that she would put in a request with the title department which would be answered in 3-5 days. I told her that I had been waiting a long time already, so she marked the email as urgent. I asked her if she could contact me after getting a response, but she said they do not have the ability for outgoing calls, can not connect the title department directly, and do not have extensions. So I must continue to call back, wait on hold, rehash my entire story, and talk to someone else that has very little information or power over the matter at hand.
XX/XX/XXXX- called XXXX. Spoke with escalation associate, XXXX. She told me that on XX/XX/XXXX the paper title with my maiden name, XXXX, came in the mail. On the same day, they received the electronic title with my married name/current name, XXXX. They coded the paper title as lost, stolen, or invalid and cancelled the request. Instead of reaching out to state of Georgia to send an up-to-date printed title, they just cancelled the request and left confusing notes on the account. These confusing notes were communicated to me a few days prior as, we have not received anything when I spoke with XXXX. I had XXXX reach out to the title department and request that they send the paper title with my maiden name since XXXX County said they could register my car under my married name as long as I had my marriage certificate.
XX/XX/XXXX- called XXXX. Spoke with escalation associate, XXXX. She told me that the notes indicates the paper title, which is now invalid, could not be sent. On XX/XX/XXXX, the XXXX title department requested state of Georgia send a paper title with the name XXXX.
Emailed Georgia DOR. They told me they could not print titles and I needed to speak to a manager at XXXX. I told them I have been speaking to managers and they insist they can not print titles, while XXXX insists they can not print titles. I told them I am the one who suffers and I will be left but no choice to report this to the CFPB or get a lawyer. Another person responded later and said they noticed that the title was printed and mailed on XX/XX/XXXX to Hyundai, XXXX XXXX XXXX, XXXX, GA XXXX.
XX/XX/XXXX- called XXXX. Spoke with escalation associate, XXXX. I wanted to see if the title was received. She told me the title request was cancelled on XX/XX/XXXX and wasn't resent until XX/XX/XXXX ( which would be after 2 phone calls I made to request the title be printed ). She also gave me this timeline : XX/XX/XXXX- got request that I had moved XX/XX/XXXX- sent request to GA to print title XX/XX/XXXX- ( moved on from this date and said nothing ) XX/XX/XXXX- needed to locate title XX/XX/XXXX- cancelled request XX/XX/XXXX- sent letter of permission to XXXX County ( she reassured me this could be used to register my car ) XX/XX/XXXX- second request for title to be printed sent to GA She told me that the address used by GA DOR was correct but there were no notes about it being received. I asked her to resend the letter of permission. She said all she could do was send a request to the title department that would be read within 24-48 hours. I asked her to fax one to XXXX county and send a hard copy to me.
Then called XXXX County DMV. They told me they have received nothing after that a letter of permission will not allow me to register my car. She insists that they must have a paper copy of my title. She also told me they would've accepted my title in my maiden name and changed it to my married name when they register my car, which was the same information I was given in XX/XX/XXXX of this year.
XX/XX/XXXX- spoke with XXXX with XXXX escalation team. She said they sent request for title on XX/XX/XXXX and have not received anything. She said they would send it XXXX XXXX and sent request to title department to send the title out asap.
Called GA DOR ( waited for 70 minutes to speak with XXXX ) - she confirmed the title was printed and sent on XX/XX/XXXX to the XXXX XXXX for XXXX, but said they probably didn't send it until XX/XX/XXXX and they had snow the next day, So that could have delayed it.
XX/XX/XXXX- spoke with XXXX from XXXX escalation department. She sent email to title department to request new print of the title if it was not received by XX/XX/XXXX.
Then I emailed XXXX XXXX from GA DOR : Ive called XXXX multiple times regarding the title that was supposedly sent from your office on XX/XX/XXXX. They have not received it. At this point it's been over a week for, which is quite a while for local mail. Can you please send a new printed title to XXXX title division. Is there a chance it would have been lost in the mail or it was not actually sent? XXXX responded by telling me they could not reissue a title for 30 days. With further questioning, he would not budge or divulge more information.
I decided to wait and due to the strain it was causing me, focus on enjoying the holidays while the various offices were shut down.
XX/XX/XXXX- spoke with XXXX customer service associate who told me the title was received but not sent out yet. She had not further information.
XX/XX/XXXX- spoke with XXXX customer service associate told me title was received XX/XX/XXXX and would be sent out by Thursday XX/XX/XXXX bc they are allowed 10 business days XX/XX/XXXX- spoke with XXXX customer service associate who told me they received the title on XX/XX/XXXX, but have not sent it out yet. I asked why it has not be sent, as this has gone beyond 10 business days. He said he did not know, but he would send a comment to the title department notifying them of this.
Then I called XXXX County DMV and asked them if by chance they received anything, which they had not. I had them resend my request by fax ( fourth attempt ).
XX/XX/XXXX- spoke with XXXX customer service associate who told me they received the title on XX/XX/XXXX, but have not sent it out yet. She said there is no indication that they intend to send it out. She had the notes in front of her and understood that this was a long standing out of state title transfer request, however she led me to believe the title department thought this was the end of the road for the title. She told me she would send a high priority email to the title department about sending the title.
I turned around and called XXXX County DMV. I spoke with XXXX. She faxed the fifth request under my married name to XXXX Title Dept at XXXX.
I am now in a totally powerless and demoralized state. If you can't help me, I will have to retain the services of a lawyer, which will be in addition to the cost of borrowing 4 cars, renting 3, and the temporary tag extensions. Please help me get my car registered, so I can drive the car that i diligently have never missed a payment on.
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| 10/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Older American, Servicemember |
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1. The following information outlines the events surrounding Hyundai Finances inability to handle a simple payment to pay the vehicle registration renewal for our XXXX XXXX XXXX. Throughout the entire chain of events, Hyundai Finance continued to make false statements regarding the payment of {$410.00} to the Treasurer of XXXX County Iowa representing the annual vehicle registration renewal. Reference a letter received from Hyundai Finance, dated XX/XX/XXXX Attachment 1, which clearly stated, they would make the payment for the vehicle registration renewal and assess the amount of {$410.00} to our Hyundai Finance account. This would have been very acceptable, had they actually made the necessary payment as indicated in the XX/XX/XXXX letter. Throughout all telephone conversations with numerous customer service representatives at Hyundai Finance, they continue to falsely represent, they had made the required payment to the Treasurer of XXXX County Iowa. If Hyundai Finance did indeed make the proper payment to Treasurer of XXXX County Iowa, in the amount of {$410.00} for the annual vehicle registration renewal, the Hyundai Finance account payment histories Attachments 2, 4, 6, 7, 8, 9, 10 and 13 would not reflect a credit balance of {$410.00}. I contacted the Treasurer of XXXX County Iowa on several occasions and each time was told, no such payment for vehicle registration renewal has been received from Hyundai Finance.
1.1 On XX/XX/XXXX at XXXX, I contacted Hyundai Finance concerning an additional {$410.00} charge appearing on my Hyundai Finance account. I spoke with a customer service representative who identified herself as XXXX. The customer service representative was not certain what the additional {$410.00} represented and I did not immediately associate the {$410.00} as discussed in Attachment 1, but shortly after the start of our telephone conversation, it was quickly determined, the additional {$410.00} was actually the vehicle registration renewal fee for the upcoming year, scheduled to be paid by Hyundai Finance. I informed the customer representative, the State of Iowa allows payment of vehicle registration renewal fees to be made not later than XX/XX/XXXX to avoid late payment penalties and that our budget was set to pay the vehicle registration renewal fee during the month of XXXX. The customer representative clearly stated, we could allow the registration fee to remain unpaid without penalties or interest charges on our Hyundai Finance account into the month of XXXX.
1.2 On XX/XX/XXXX, I scheduled a payment in the amount of {$1000.00} to be made on XX/XX/XXXX to our Hyundai Finance account. This payment represents the normal monthly payment of {$680.00} and a onetime payment of {$410.00} for the upcoming vehicle registration renewal fee. Reference copy of Hyundai monthly payment receipt for XX/XX/XXXX with confirmation number XXXX Attachment 3.
1.3 On XX/XX/XXXX at XXXX, I again contacted Hyundai Finance and spoke with Alvea regarding the additional {$410.00} payment made on XX/XX/XXXX and informed her during a recent visit to XXXX County Treasures Office ( XXXX ), I was told, Hyundai Finance has not paid the upcoming annual vehicle registration renewal fee, as they had indicated would happen in Attachment 1. The Hyundai Finance customer service representative clearly stated I see that it was paid. It was not paid. Issue remains unresolved.
1.4 On XXXX, XXXX, XXXX at XXXX, I again contacted Hyundai Finance and spoke with XXXX regarding the {$410.00} vehicle registration renewal fee, informing him I had contacted XXXX County Treasurers office and the vehicle registration renewal fee payment still had not been made by Hyundai Finance . Issue remains unresolved.
1.5 On XX/XX/XXXX at XXXX, I again contacted Hyundai Finance concerning the {$410.00} I had included as part of the XX/XX/XXXX monthly payment, for the upcoming annual vehicle registration renewal fee. I informed the customer service representative who identified herself as Daily, considering Hyundai Finance had not made the payment of {$410.00} for the upcoming vehicle registration renewal fee, I would immediately pay the vehicle registration renewal fee myself to avoid the late payment penalties, scheduled to take effect on XX/XX/XXXX and apply the {$410.00} credit balance reflected on the Hyundai Finance account payment history, dated XX/XX/XXXX Attachment 4 to the upcoming XX/XX/XXXX monthly payment of {$680.00}. The customer representative agreed with my decision to apply the credit balance of {$410.00} to the upcoming monthly payment. I paid the vehicle registration renewal fee via the Iowa State County Treasurers Association web-site ( XXXX XXXX XXXX ) on XX/XX/XXXX at XXXX. Reference vehicle registration renewal payment receipt, dated XXXX Attachment 5. Issue remains unresolved.
1.6 On XX/XX/XXXX at XXXX, I again contacted Hyundai Finance and spoke with Alvea regarding the vehicle registration renewal fee of {$410.00}. I informed XXXX, I paid the {$410.00} vehicle registration renewal fee as described in sub-paragraph 1.5 above and a credit balance of {$410.00} remains on my Hyundai Finance account payment history, dated XX/XX/XXXX Attachment 6. I informed XXXX, I had made a onetime monthly payment of {$270.00} and that when combined with the credit balance of {$410.00} currently reflected on my Hyundai Finance account would equal the total of {$680.00} due for the XX/XX/XXXX monthly payment. XXXX continued to maintain the position that the {$410.00} is not available as a credit on my Hyundai Finance account. At this time I asked to speak with a supervisor with the hope of resolving this issue. When speaking with the supervisor, I understood her name to be XXXX. XXXX stated that she would elevate this matter to their Registration and Citation and a response from Registration and Citation can take anywhere from 3 to 5 business days. I informed XXXX that I did not want to see the XXXX bill come up as past due and I am prepared to elevate this matter to the appropriate State and/or Federal Agency requesting their assistance to resolve this entire matter. She stated that I needed to contact Registration and Citation in 3 to 5 business days to see what their response is. Issue remains unresolved.
1.7 Hyundai Finance account payment history, dated XX/XX/XXXX Attachment 2 clearly reflects the {$410.00} credit balance on account and every monthly payment being made on time, since the lease contract began on XX/XX/XXXX. Hyundai Finance account payment history, dated XX/XX/XXXX Attachment 7 continues to reflect the {$410.00} credit balance on account. Hyundai Finance account payment history, dated XX/XX/XXXX Attachment 8 continues to reflect the {$410.00} credit balance on account.
1.8 Hyundai Finance account payment history, dated XX/XX/XXXX Attachment 9 continues to reflect the {$410.00} credit balance on account. To date, Hyundai Finance has done, absolutely nothing to correct their error.
1.9 Hyundai Finance account payment history, dated XX/XX/XXXX Attachment 10 continues to reflect the {$410.00} credit balance on account. To date, Hyundai Finance has done, absolutely nothing to correct their error.
1.10 On XX/XX/XXXX, I received a past due notice Attachment 11 regarding my Hyundai Finance account, again this is in error. If Hyundai Finance would simply apply the current credit balance on account of {$410.00} there would not be a past due amount and I would have never received this notice.
1.11 On XX/XX/XXXX, I contacted Hyundai Finance asking what steps are required to resolve the issue regarding the past due notice Attachment 11. I spoke with XXXX and subsequently XXXX concerning this matter. XXXX stated, I needed to provide a copy of the Vehicle registration renewal payment receipt, dated XX/XX/XXXX Attachment 5 and a copy of our latest checking account statement Attachment 12, as proof I had personally paid the {$410.00} reregistration fee. I immediately drafted a cover letter Attachment 13 with both the Vehicle registration renewal payment receipt, dated XX/XX/XXXX Attachment 5 and a copy of our latest checking account statement, dated XX/XX/XXXX through XX/XX/XXXX Attachment 12 and mailed the documents ( Attachments 5,12 and 13 ) on XX/XX/XXXX.
1.12 On XX/XX/XXXX at XXXX, I was contacted Hyundai Finance collections department asking for an immediate payment of {$410.00} to resolve a past due amount of {$410.00} which Hyundai Finance has erroneously placed on my Hyundai Finance account. The individual calling, identified herself as XXXX. I immediately informed XXXX of the many steps I have taken to resolve this entire matter and to date, Hyundai Finance has not taken the necessary steps to correct their error. XXXX sounded as though she agreed with me, but she did not have the authority to resolve the collection process currently underway.
1.13 Hyundai Finance account payment history, dated XX/XX/XXXX Attachment 14 continues to reflect the {$410.00} credit balance on account. To date, Hyundai Finance has done, absolutely nothing to correct their error.
2. It would be very easy for me to make the full XXXX payment of {$680.00} and disregard the {$410.00} credit balance on our Hyundai Finance account. However Hyundai Finance appears incapable of properly accounting for the original {$410.00} payment, it is my fear the additional {$410.00} would also become unaccounted for and never applied to upcoming monthly payments and simply become lost within their accounting system.
3. Conclusion and desired outcome. I strongly believe Hyundai Finance should be toughly investigated and audited by the appropriate Federal Agency, to determine how many other customer accounts are or have been handled in this or a similar manner. The desired outcome regarding this entire convoluted situation is quite simple, Hyundai Finance needs to adjust my account to properly reflect the current credit balance of {$410.00} to be included as part of the XX/XX/XXXX payment as was originally intended. See subparagraph 1.5 above.
14 Attachments ; Attachment 1, Letter received from Hyundai Finance, dated XX/XX/XXXX.
Attachment 2, Hyundai Finance account payment history, dated XX/XX/XXXX.
Attachment 3, Hyundai monthly payment receipt for XX/XX/XXXX with confirmation number XXXX.
Attachment 4, Hyundai Finance account payment history, dated XX/XX/XXXX.
Attachment 5, Vehicle registration renewal payment receipt, dated XX/XX/XXXX.
Attachment 6, Hyundai Finance account payment history, dated XX/XX/XXXX.
Attachment 7, Hyundai Finance account payment history, dated XX/XX/XXXX.
Attachment 8, Hyundai Finance account payment history, dated XX/XX/XXXX.
Attachment 9, Hyundai Finance account payment history, dated XX/XX/XXXX.
Attachment 10, Hyundai Finance account payment history, dated XX/XX/XXXX.
Attachment 11, Hyundai Finance payment past due, dated XX/XX/XXXX. Attachment 12, Checking Account Statement, dated XX/XX/XXXX through XX/XX/XXXX. Attachment 13, Cover letter, dated XX/XX/XXXX with copies of attachments 5 and 12 Attachment 14, Hyundai Finance account payment history, dated XX/XX/XXXX.
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| 07/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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my name is XXXX XXXX XXXX reached out to XXXXdispute department, ABOUT identity theft, Ive sent papers from the US Justice Department ( United States v. Defendants ) Thomas Kennedy McCormick Case Number 2018R02475 Court Docket Number 18-CR-00359 ) XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore XXXX until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX then, you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX is in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, XXXX XXXX, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ( KIA FINANCE AMERICA Account # XXXX Date XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & LastName 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. KIA FINANCE AMERICA Account # XXXX Date XX/XX/XXXX fraudulent amount : {$25000.00}
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| 08/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I am writing this letter in efforts to resolve an issue with Kia Motors Finance, I have been a faithful customer of Kia since XXXX of XXXX. My first car, which I leased on my own was a XXXX XXXX XXXX XXXX, which I conducted business with XXXXXXXX XXXX XXXXXXXX and my sales rep was one of the companys top sales persons XXXX This transaction was seamless and I enjoyed every month of my lease and actually considered the buy out for this vehicle as the car was good to me and served its purpose well.
I moved from XXXX to XXXX for XXXX XXXX and during that period of time my lease came to an end, I contacted XXXX XXXX XXXXXXXX and XXXX, my previous sales representative shared to me that I didnt, necessarily have to come back to XXXXXXXX XXXX to return the vehicle, I could do so at any Kia near me. The closest Kia to my XXXX XXXX was XXXX XXXX of XXXX XXXX XXXX When I got there the sales team explained to me I had the option to buy out my current car, or trade in for a new model, ultimately I was very impressionable and was sold on the concept of a new lease for a XXXX XXXX XXXX that the sales team collectively sold me as it was a slow evening so all the attention was on closing a deal with me.
My official sales rep that was to take credit for the sale was named XXXX. XXXX and I test drove the new XXXX, which was the same make, model, and color of my previous XXXX XXXX, signed all the paperwork and submitted it to his supervisor XXXX XXXX, and he gave me the keys. Paper work was completed close to close of business so XXXX explained to me the car was basically mine, however since it was so late in the day I would have to leave the keys and come back in the morning to pick up my new vehicle to allow Kia finance to give the final ok for the new loan for the lease.
The next evening XXXX called me and explained that there was an issue and I was no longer able to get the new car. He advised that I try again in a month, picking up exactly where we left off for the same vehicle, same monthly note, same agreements outlined in our paperwork. Not only was I devastated for being given keys and completing paperwork which led me to believe that the new vehicle was mine, I also had my XXXX vehicle detailed and took off all protective gear I purchased to keep the vehicle in top shape to return it to Kia in the best condition possible.
When I returned in a month as requested, XXXX was no longer with the company. My new sales representative was named XXXX. She was a very nice lady, however she did not honor any of the agreements XXXX and XXXX XXXX made with me. She offered me a relatively unattractive XXXX XXXX XXXX XXXX, which I hated. I absolutely did not want the car. I hated the color, and the size as it was a total downgrade from the XXXX not to mention I needed the space of the larger vehicle for my line of work. I ultimately had no other recourse than to take the XXXX as I was near the final days of my lease and in the process of purchasing my house and wanted to avoid having my credit ran at several other dealerships in search of a car within a small time frame.
I ended up taking the XXXX and its been nothing short of a headache since. First the car experienced difficulty with the air conditioner in the heat of a humid and extremely hot summer in XXXX The air conditioner was temperamental and worked when it wanted to, and it often omitted smoke from the air vents into the car, which is alarming for a new vehicle. I reported this to XXXX XXXX several times via text message with photos and videos, nothing was done to fix the issue.
Second, as I mentioned I was only in XXXX for XXXX XXXX which would have only been a few more semesters, so I when signing the lease, the agreement I had with the dealership was for the car to be registered in XXXX I got the lease in XXXX of XXXX, Kia did not register my car with DMV until XXXX of XXXX, and that was after getting formal complaints from several police officers and chiefs as I got pulled over almost weekly and received several warnings and tickets for driving with no registration and expired paper tags from the dealership, the XXXX police kept record of the times they stopped me and then took matters into their hands to advocate on my behalf. After the police got involved XXXX XXXX of XXXXXXXX XXXX mysteriously rushed my registration and license plates to me.
Lastly in XXXX of XXXX, the car was stolen from the school I was working at by some men who recently got out of prison. The car was used as their get away vehicle for several crimes they committed, and ultimately they men got into a high speed chase with XXXX XXXX police, which ended in the men crashing my car into a factory wall and police cornering them with guns drawn and a stand off.
I was placed in witness protection as I was a key witness for some of the crimes they committed at my school. The car was in police custody and I was sent to a safe house for a few months, then moved again to XXXX until the suspects were prosecuted and placed back in prison. During this time I reached out to Kia when permitted and reported all the above and asked what my options were for the car as it was not in my possession and would not be for a while, no options, concern, compassion, remorse, business courtesy or anything of such were given. The states attorney of XXXX reached out to kia on my behalf several times also to advise of the situation and express how unsafe it was for me to keep the vehicle, yet kia refused to cooperate with them nor give any type of recourse for this unique situation.
As explained to kia customer service on multiple occasions, I was not able to work while in witness protection, and henceforth would not have money to pay for the car during the months I was under protection. It was also explained to Kia by myself and the states attorney of XXXX that once released from protection and given the car back, it would not be safe for me to keep the car as one suspect was released and there were several attempts to harm me leading up to my testimony in court, hence why I was placed in the protection program. Still, Kia had no concern for my situation.
I understand business is business, however this is a unique situation that does not fit the text book cookie cutter scenarios most of the customer service representatives are exposed to during training and daily during work, and the fact that no solution was offered other than keep up with payments, comes off as if all kia cares about is collecting customers money. Forget anything else, just give us money.
I was understanding of kia when I signed paperwork for the XXXX XXXX, settled for the XXXX after I was told that's my only option unless I go to another dealership ( they were willing to let me walk out of the door ). I had to wait almost a year for my license plates and registration to be given to me and this happened only after several police warnings and tickets and officers calling kia on my behalf. Lastly, the malfunctioning air conditioner in the heat of the summer. All these things I was understanding and accepting of Kia, but now theres no recourse for me? Totally unfair.
Throughout my time in witness protection, my mother would make payments towards the car on my behalf even though it was not in use and not in my custody. The states attorney of XXXX reached out to Kia on my behalf several times in efforts of finding some sort of solution to the financial bind the lease was creating for me as during witness protection I was not permitted to work henceforth had no income to pay for the car. Yet still, kia did not comply with the state 's attorney. The few times I was permitted to speak on the phone to handle business I made contact with kia customer service and repetitively made them aware of the situation and ask that it be noted in your system as to what was going on and should any options become available that may be of aid to me in this situation please make them be known to me. All my requests were ignored, late fees were constantly added and I began to become harassed with collection calls, which still happen to the present day. It was truly a nightmare as the collectors would often exhibit behavior as that of a loan shark even calling me after business hours and on Sundays.
As of XX/XX/XXXX, I made contact with collections to bring my account current, and made a lump sum payment. The representative I worked with gave me the total amount I owed in total for the duration of the lease which ends XX/XX/XXXX, and he also told me the amount I owed in late fees. I asked him if he could waive the late fees due to the unique circumstance as I hadnt been employed in over a year and was only able to pay what I could from charitable gifts. He allowed me to pay the lump sum I owed for the duration of the lease and said he submitted the late fees to be removed from my account. After all the trauma Ive been through personally and the lack of empathy and harassment I experienced from Kia, all I wanted to do was pay what I owed and give the car back and NEVER deal with Kia again! Much to my disappointment here I present day XX/XX/XXXX and still receive almost daily harassment for the late fees that I was told were going to be waived, and today I received notification that this {$240.00} so odd dollars have caused my account with kmf to become delinquent and has caused my credit score to be affected! I am truly disgusted by this terrible facade of customer service Kia has pretended to offer and want nothing less than for the situation to be rectified as I am trying to get my life back on track and this has been an unnecessary headache in an already difficult situation not to mention during a worldwide pandemic.
Ive tried to follow the chain of command, Ive tried allowing customer service personnel to do their diligence, I've even emailed Kia 's Vice President of Sales and Operations XXXX XXXX XXXX XXXX, President of Kia Motors of America XXXX XXXX, and Chief Executive President and CEO XXXX ( XXXX ) XXXX about the matter and none of the above have responded to my emails. I have simply exhausted all options. Before I turn this over to social media, and the national news, Id like to give the executives at Kia the final opportunity to rectify the situation.
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| 05/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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2015 XXXX XXXX XXXX is a LEMON!!!!
We had problems with this car for several years now, it is a ( 4 ) year lease. It is one thing after another. We had the car in for several issues. One of the issues the dealership could not even fix the problem when we turned the car back in to them. I made a list of all the issues that we are having with the car.
On XX/XX/XXXX with XXXX miles on the car, we had to replace the battery on it.
On XX/XX/XXXX with XXXX miles on the car, we had to replace ( 2 ) tires on the car because the tires were bald.
On XXXX XXXX with XXXX miles on the car, we had to replace the other ( 2 ) tires on the car because the tires were bald. We had problems with the car stalling. The dealership could not find anything wrong with the car. ( 1st ) I talked to XXXX about the sound I was hearing when I started the car, like I did the other times I was in with the car. No one heard the sound. She said to make a tape and bring it in so she can hear it and the tech can hear it too. When we had the car serviced several times, I told XXXX about the metal on metal sound. XXXX told the tech to see if he heard anything, but he never did. It is not on any paperwork. She did not note it each time we came in.
( 2nd ) On XX/XX/XXXX with XXXX miles on the car, we had a problem with a sound when the car starts. When the car starts it sounds like metal on metal clinking. It does not matter if the car is cold in the morning or anytime of the day. When I start the car, it makes this sound. I made a tape of the sound so XXXX and the tech can hear it. XXXX played the tape several times and played it for tech. He said he had to hear it from the car to tell where it is coming from. The tech could not hear it from the car at this time.
( 3nd ) XX/XX/XXXX with XXXX miles on the car, we still having the same problem with the sound when the car is started. When the car starts it sounds like metal on metal clinking. The dealership kept the car overnight. The next day the tech did hear the sound. They tested the alternator and it was bad. They had to replace the alternator on it. Even after the dealership replaced the alternator, I still had the same sound as I did before when I started the car two days later. The replacement of the alternator did not stop the sound.
( 4th ) On XXXX XXXX with XXXX miles on the car, we are still having the same sound when the car is started. It does not matter what time of the day the car is started ; the same sound is still is happening. It sounds like metal on metal clinking. I had another tape for XXXX, she heard the sound and the tech did not.
( 5th ) On XXXX XXXX with XXXX miles on the car. The sound is still happening. The dealership kept the car overnight to see if they can find the issues I am having with the car. XXXX contacted us the next day. The dealership did not hear the issues I heard, but they will repair what they think is the issues with the car. They just went blind on the issues that I was having with the car. They replaced the starter, the fuel level sender and bracket ASSY roll rod replaced trans mount. We got the car back on XX/XX/XXXX. A few days later I was driving the car again and it is still making the same sound, metal on metal.
We had another issue with the car since XXXX. I told them about the issue, but they never did anything about it or even investigated it. They just looked at me like I was nuts. The issue is this. When I fill the car up with gas the ( Range for the miles to go ) it does not say the same thing each time. One time it will be 301, 304, 299, 289, or so on. Something is wrong with the Range miles to go. Just the other day, I put gas in the car. I started the car, the Range started at 279 then dropped to 256 before I even left the gas station. The Range keeps dropping while I am driving. In 1 mile I go, it drops 4 miles or more. I am not in heavy traffic. I am not speeding or have anything heavy in the car. I do not even know why this issue happens. When I first had this problem, I had to get a new battery. I had the dealership check the battery for me. The battery was fine. This is happening all the time with the Range issue. On XXXX XXXX the dealership replaced the fuel level sender. I just wish they took me serious before. They could have fixed this before now.
Now, as you read this, we had to replace 4 tires by XXXX miles on it. Replaced 1 battery by XXXX miles on it. Replaced 1 alternator by XXXX miles on it. Replaced 1 fuel level sender by XXXX miles on it. Still having the same metal on metal clinking sound when I start the car. This car is a LEMON!
We are so afraid when the car is started is will blow up or catch on fire with my Mother or myself inside. Since they can not find a thing wrong with the car. The car is still driving rough. Rougher since we got it back from the dealership.
The car is unsafe. My Mom called the XXXX XXXX Company and told them we will be turning the car in because it is unsafe, and it is a LEMON. They sent an Inspector out to check the out. The Inspector from the leasing company came out to inspect the car before we turn the car in. He noticed when he was inspecting the car that it was running rough. He said it should not be having this issue. He popped the hood up and felt the engine. You could see and feel the engine shaking. He made the statement that the engine should not be doing this. We passed the inspection. We turned the car in to XXXX of XXXX XXXX XXXX on XXXX XXXX.
We will never buy another XXXX again. With all the issues we had with this car and now what is on the news about the car fires. We do not feel it is fair to charge us for the {$400.00} fee to return the car. If the car was safe, we would have kept it. In the news it tells about the fires XXXX is having in their cars. They are not being honest with the public about the fires. The XXXX, XXXX, XXXX XXXX, under these conditions we are afraid to keep or get another XXXX car. The XXXX XXXX was just serviced, had low miles XXXX, in excellent condition. The Inspector even said that is was in excellent shape. The car was always garaged. We took very good care of it. We hope XXXX will junk the car because it is not safe to drive. We have reported about the car to several agencies. We were told by XXXX employees that the {$400.00} is to clean and prepare the car to be sold at an auction. When we returned the car, the car was cleaned inside, washed, waxed outside and a total detailed. We should not have to pay for the {$400.00}. The car was perfect inside and out. It even had gas in it.
We had XXXX the Service Advisor, XXXX who has been our sales lady, both said YES, this car is a LEMON. XXXX stated this several times that we needed to get out of the car because of the issues we were having. This car is a LEMON XXXX!! A Manager at the dealership said YES at times we do get LEMONS. They knew this car was a LEMON but did not get us out of the lease, it was too expensive. So, we had to keep the car. They wanted us to get another car from them at the end of the lease. WE do not want another XXXX because of all the problems with this one. The dealership is not honest. We asked them about the fires on the XXXX. WE do not have any fires or problems with our cars. Three managers told us this when we were getting written up with XXXX. She heard it too. But the manager we spoke with let it slip that they did have problems with fires, but he blames the owners and the press. Since we had problems with the car with several issues repeatedly. We had to drive this dangerous car until the lease was up. We parked the car at the end of our driveway because we were so afraid something will happen if we parked it in the garage. We were so scared to drive the car.
We were told when we leased the XXXX the fee could be waived if we ever had a problem with the car. We had a XXXX, XXXX and XXXX all leased from XXXX XXXX XXXX XXXX. XXXX and the Leasing Advisor told us this. We were told this every time we leased a car from the dealership. I do not know if it is their practice to say this to everyone or not. But we were told this several times. Since we had problems with this leased car, no one will step up. They keep saying call here or call there. We did call around and went into the dealership about the issues we are having. We get the run around.
Do you really want to trust XXXX XXXX XXXX XXXX or XXXX XXXX XXXX under the same ownership XXXX XXXX? Or, the XXXX brand. These lease issues happened to us but they still want to charge us the fee of {$400.00} for not getting another XXXX.
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| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
Servicemember |
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Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Violations of the CARES Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...
Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.
Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, at what price, and who obtains employment in many cases. Consumer reporting has an enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation.
The BureaXXXX is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.
Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system.
Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy.
The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.
Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.
Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.
The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, XXXX. XXXX XXXX. XXXX, XXXX ( XXXX ) ( stating that, with certain exception, " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current " ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended.
rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the XXXXOVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe.
The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.
Therefore, this disputed account must be deleted CREDITOR ACCOUNT NUMBER Hyundai Motor Finance XXXX Late Payment on XX/XX/XXXX The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all the above-listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all these accounts, public records items, and inquiries be permanently blocked and deleted.
Sincerely, XXXX XXXX
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| 08/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Older American |
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XX/XX/XXXX My father passed away a resident of Florida. I am his daughter and the personal representative of his estate. I live in Pennsylvania. He had a leased XXXX XXXX XXXX. The term of the lease ends XX/XX/XXXX. I called the Kia dealership shortly after his death to obtain options for returning the car and learned that the overall cost of returning the car could not be determined but was likely to be more than keeping it for the rest of the lease term. I continued making the monthly payments on time.
XX/XX/XXXX The estate is running out of money, and I was in Florida taking care of estate matters so I contacted Kia Motors Finance to arrange to return the car. I spoke to XXXX who was difficult to communicate with because she spoke poor English. She told me that someone from their deceased dept. would call me in 3 - 5 business days, and I could not return the car until they call. I told her that I would not be in Florida in 3 - 5 business days and asked to speak to someone in the deceased dept. She said no. I had to wait for them to call me. I told her I would not be back in Florida until XXXX and asked if I could return the car to a local dealership. She told me that, if I did, no one would be responsible for it.
XX/XX/XXXX Still no contact from the deceased dept. I again called customer service and spoke to XXXX who told me that no one from their company would ever contact me until they had my father 's death certificate and letters from the Court evidencing my appointment as the personal representative ( something that XXXX never mentioned nor requested ). I faxed the documents to their back office as instructed with correspondence telling the story and again requesting a response.
XX/XX/XXXX Received no response to my faxed letter of XX/XX/XXXX. Called and spoke to XXXX who told me that the car can be returned to any Kia dealership. She transferred me to XXXX of their Lease End Dept. for more specifics about returning the car. He was very nice and helpful. He gave me the name of the dealership in XXXX where XXXX bought the car and instructions for returning it. He told me that if we return the car with payments owing, we must pay the remaining payments plus a {$400.00} disposition fee. I was told that the remaining payments are {$850.00}. He also said that, if we sell the car, we do not have to pay the {$400.00} disposition fee. He also said that, if we make all of the payments under the lease, there will be no disposition fee.
I asked XXXX for the amount to be paid, and he told me {$15000.00} payoff, made up of {$14000.00} payoff plus the {$850.00}. He told me I had to speak to the billing dept., so he transferred me to XXXX who was not at all nice. Ultimately, she told me that we owed payments of {$190.00} for XXXX through XXXX ( 5 mos. @ $ XXXX. ) plus {$45.00} for overdraft ( closing of Dads XXXX account ) and {$18.00} of late fees for a total of {$1000.00}.
XX/XX/XXXX I intended to pay the {$1000.00} now to bring the account up to date so I can surrender the car on XX/XX/XXXX and owe nothing more, subject to the inspection and mileage requirements. However, I had not gotten anything in writing ; and I did not trust them because in every call Ive made so far Ive gotten different information. I also received a notice in the mail from the collections dept. with conflicting amounts. So I called the number on the notice and spoke to XXXX who spoke poor English and whom I could barely hear. I was on the phone for almost an hour with her. I asked for someone who could speak English, I asked for a supervisor, and I asked her to speak up more times than I can count ; but everyone else was busy. Initially, she confirmed the {$1000.00} ; but when I asked for it in writing ( the whole purpose of my call in the first place ), she had to request it to be faxed to me in 24 hours - 48 hours at most. Since no one at Kia has responded to me at all since I called on XX/XX/XXXX, I fully expected that I would not be receiving this fax ; so I went through the numbers with her again to make sure I was paying the correct amount. This time, she came up with an amount of {$1200.00}. I asked and asked what the difference between the {$1200.00} and {$1000.00} was, and she would not tell me. She said I had to speak with the Lease End Dept. and gave me a completely different number than the one I called before. I found out that it was because she gave me the number for customer service, not lease end.
I spoke with XXXX ( XXXX ) XXXX of lease end who told that information I was given earlier was wrong and that the {$400.00} disposition fee is always owed if the car is turned back in to the dealership for any reason, plus {$36.00} of sales tax must be paid. ( That is 9 %, but Florida 's sales tax rate is only 7 %. ) She also told me that we must pay sales tax on the residuary value of the car if we turn it back in to the dealer, which will be another {$980.00} based on an estimated residual value of {$14000.00}. She told me to pay all sums under the lease ( other than the disposition fee ), we must pay {$860.00} which is calculated as follows : Lease payments XXXX NFS when account was closed XXXX Late fee XXXX Total XXXX I mailed a check the same day.
XX/XX/XXXX I called Kia Finance again this morning because more than 48 hours has passed, and I have not received the promised fax from Kia Finance. I was on the phone for about an hour, and I received no help other than an offer to transfer me to another dept. to start all over. I called the Lease End Dept. at ( XXXX ) XXXX. I got a round of recordings asking me for all kinds of information and then a recording that started providing information I did not want. I pressed 0 to get to a human being. The call was transferred, I received another recording, got put on hold for 15 minutes, and then it cut me off. So I tried calling XXXX whom I was told on XXXX XXXX was in the Lease End Dept. He had given me his extension, so I was hoping to bypass all the recordings and get to a real person. There was no option to enter an extension. It was the same set of recordings and then XXXX, another rep. whose English was not great, who would do nothing for me. I begged and begged her to transfer me to her supervisor, but she ignored me and kept asking for information she should have already had. She said she had to review the account ; but when she did, she still had no information. She told me that she could not talk to me because I didnt have authority to talk about the account. I told her more than once that I had faxed a death certificate and copy of letters of administration to the back office and gave her all of the specifics ( fax number, date of fax, and confirmation from a previous rep. ) so she could see that they had the documents. After about a half hour, she finally agreed that she would find a supervisor. She put me on hold for a while and then came back and told me that the supervisor was busy. After all this nonsense, she asked me if I was waiting for a fax of payoff information! That was the first thing I asked for when this lengthy call started. However, she said the only thing she could do was to transfer me to customer service. I told I didnt want to start the whole process of making this request again because I was on the phone for hours, and no one from Kia Finance has ever done what they said they would. I asked XXXX for a telephone number for the president of Kia Finance, but she said they dont have it. I asked for any number for corporate or anyone who could help me, but she didnt have any. I asked for an e-mail address, and she said they dont have that either. I finally terminated the call in frustration.
At this point, I dont know what else to do. I just received a monthly statement from Kia Finance dated XX/XX/XXXX addressed to my father at his home in Florida. I had given them my information on XX/XX/XXXX, and they are still sending correspondence to an empty house. It took 10 days for that statement to get to me, and they added charges that I must dispute. It's very difficult to lose a parent. For a company to treat a grieving child like this is unconscionable.
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| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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( I apologize for the format of this statement. The dates/times will be paraphrased. The paraphrased remarks will then be elaborated on in a paragraph below.
XX/XX/XXXX - received letters from Kia financial regarding outstanding balance that needed to be paid before repossession. Also received a separate repossession letter. Contacted by Kia - set up a payment arrangement to pay and continue to keep my vehicle.
I received a letter from Kia finance stating that I needed to contact them as soon as possible regarding my XXXX XXXX XXXX or suffer repossession due to my balance being almost $ 1400+. At which point I received a phone call from Tennessee or Kentucky from a representative from Kia financial. Of course I verified the rep was with Kia, and proceeded to talk to her regarding the letter that was sent. We set up a payment arrangement and I was able to get back on track with my payments.
XX/XX/XXXX XXXX car was repossessed, contacted Kia .
I walked outside to realize that my car was missing. After speaking with my local sheriff 's department, I was told that the car had been repossessed so I immediately contacted Kia to ask the reason why. A representative from Kia was told they couldn't do anything to help me at that time. I stated I had not received one phone call, one message, or any kind of mail regarding anything regarding my loan.
XX/XX/XXXX XXXX called into Kia , made payments of {$1.00}, XXXX. Also paid an additional {$650.00} to obtain vehicle.
I called into Kia to make a payment for what I owed of $ 900+ to get my vehicle back. The representative informed me that there would be an additional {$580.00} to be able to obtain my vehicle. I also had to pay the following fees : {$250.00} - deducted from work $ {$100.00} - new tire ( tire was flat/damaged ) {$280.00} - repo company separate fee {$37.00} - XXXX driver fee In total it was over {$2000.00} that I had to pay in order to get my vehicle back.
XX/XX/XXXX - received letter from Kia regarding sale of my car. Called Kia to claim a grievements and solution.
On XX/XX/XXXX I received a letter in the mail from Kia, that was dated for XX/XX/XXXX, stating Kia was selling my vehicle on XX/XX/XXXX. I contacted customer support to ask why I was not notified by voicemail, email, regular mail, or a phone call before my car was in danger of repossession. I asked Kia to look in the notes to see that in the past I had owed almost double that amount and yet we were still able to communicate together and work on a solution. The Kia rep said there had been 18 calls to my cellular phone and no vmails left and no letters mailed out to me. I mentioned in the past we had issues due to XXXX and are still experiencing now so we were able to work out an arrangement. The Kia rep tried to offer their condolences, then informed me if I wanted to I could go to the auction and purchase my car myself. I informed the rep, I had possession of the car before the letter for sale was even sent out. I informed the Kia rep that it's going to be impossible for me to make my payments for XXXX or XXXX due to the fact of my account being {$2000.00} less. I offered a solution applying a credit to my account for the funds that they had already collected plus additional fees due to their negligence and apply it towards my account. The Kia rep advised me that it is something that can be credited to my account, although, I would need to write a grievance letter and mail it to their home office.
XX/XX/XXXX XXXXmailed a certified letter to Kia 's home office.
I went to the local post office and mailed a certified letter describing all accounts, expenses, and events that had occurred. Also in the letter I described the solution of applying a credit to my account due to negligence.
XX/XX/XXXX XXXX-letter arrived at Kia 's address. Chatted online with rep to confirm I used the USPS website to track my certified letter and discovered that it arrived on XX/XX/XXXX. At first I did call their customer service department and after waiting on hold for an hour I was disconnected. So I then decided to use their chat function through my Kia financial web portal to confirm my letter was received. I was told it would be a few business days, the Kia representative was unsure of the exact time for my letter to be logged into their system. I was told to wait for a phone call.
XX/XX/XXXX - I contacted Kia financial because I had not heard from them. I was told that they did not receive my certified letter. I informed them that I had a receipt showing the tracking number for said letter and also had confirmed on usps 's website delivery. I was then told to fax in a letter to them so that they could log it on my account. I then proceeded to send three separate faxes all were confirmed all said that they had arrived to Kia financial. I then called back and asked them if they could confirm that they received my fax and was told that I needed to wait a few business days.
XX/XX/XXXX - XX/XX/XXXX - I called in day after day to see if fax was received. no fax was on my file. Resent fax again and again.
( Self explanatory ) XX/XX/XXXX - Present - Since XX/XX/XXXX I was told that the fax was logged into my account, only one fax was received on XX/XX/XXXX. I asked the Kia rep from if they could address the issue of my letter. I was told that they could not view the letter from their collections department but that someone would get back to me within 48 to 72 hours. After 72 plus hours go by without receiving a call from Kia, I decided to call them and again I was told the exact same explanation. Kia financials behavior with their collections and customer service department seem to be the same for several weeks. Every other day or couple of days I would call Kia and ask them about a solution to my letter. Each time I was advised to please wait and be patient, somebody will get back to you, or they can't view the letter so we need to transfer you to another department in which I was hung up on. Finally last week I was transferred from their collections department to their customer support department where they could view the letter. The representative in the customer service department said that there's nothing they could do on my account but they could see the letter and understand the grievance that I was trying to convey. Only solution was in collections, so I was transferred back to collections to help solve the problem at which point collections informed me that they still can't see the letter so there's nothing that they can do. Each time I called the only response I got was could another payment be made on my account and they'll get someone to review my letter. Each time I had to explain the whole situation from XXXX to present day every single time I called. Last week I was forced to commit to making a payment date arrangement. I inform the Kia representative that maybe Friday, XX/XX/XXXX, I might have something. The representative informed me that she will go ahead and make a payment arrangement for Friday the XXXX and that somebody will look into my letter and correspond back with me. I asked to speak to speak to a supervisor several times and was denied. I called in the next day hoping to get maybe a better representative to help address my issues. I was told that my payment arrangement for XX/XX/XXXX was the only thing on file. I informed the Kia rep that we had made a arrangement for Friday the XXXX, the day I was calling him and the representative said no that was not notated in the system. I told him how frustrating this was and I was going to contact someone of authority to help resolve this.
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| 11/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XX/XX/XXXXXXXX the Kia was hit in front of our house by a neighbor that was on the phone and not paying attention and hit our parked car. -The police never showed up. Neighbor gave us the insurance information. Made a claim on their insurance with XXXX XXXX XXXX. -- continued to make payments until XXXX of XXXX -- XX/XX/XXXX -- I called Kia Finance to let them know that the car was declared a total loss by the insurance company. -- XX/XX/XXXX, XXXXCalled Kia Finance they told me no payment was due. Took a screenshot of the website because my sister-in-law told me to. The screen shot showed they was no payment due and showed a due date of XX/XX/XXXXXXXX but with a {$0.00} amount due. ( see screenshot ) XX/XX/XXXXXXXX -- Called Kia about seeing if we can get the payment deferred. I was told that not to worry a payment was still not due because it was being handled as a claim from the insurance. Was told to call back on XX/XX/XXXX about the deferment. XX/XX/XXXXXXXX -- called back to check. They said no payment was still not due since insurance and gap claim is still not fully settled. XX/XX/XXXXXXXX -- called Kia about how much was still owed on the vehicle. They told me what the balance was at that time but did not tell me that the account was due in full at this time or that a payment was due or delinquent. XX/XX/XXXXXXXX -- called them again to make sure a payment was not due. They still were telling me no payment was due on the account. And again did not tell me the account was in a charge off status at this time. XX/XX/XXXXXXXX -- Tried to call Kia because I could no longer log into my online account. Spoke to about 5 people because they kept transferring me. At this time they did not tell me that my account was now being reported as a " charge off ''. They did not mention on this day that a letter was mailed to me and my husband on XX/XX/XXXXXXXX as stated on a phone call on XX/XX/XXXXXXXX that XXXX told my husband and sister-in-law over the phone and that the account was put into a " charge off '' status as of XX/XX/XXXX. XX/XX/XXXXXXXX -- called again to see if a payment was due and needed an address to send them the check I received in the mail from XXXX XXXX. The check was written out to me AND Kia. I was again transferred multiple times and when I asked them if I could talk to a Supervisor, they told me at that time I needed to talk to someone in the Recovery Department. I never was able to speak to someone from the Recovery Department because they just kept transferring me to the incorrect department. XX/XX/XXXX, XXXX-mailed out the check to Kia from XXXX XXXX XXXX XX/XX/XXXXXXXX -- called again to see if they received the check that I mailed to them. I was transferred again multiple times and never spoke to anyone due to the company being on the East coast and I am in AZ and do not get home from work until after XXXX XXXX AZ time. XX/XX/XXXXXXXX -- My husband & sister-in-law called to speak to someone because we saw on our XXXX XXXX app that our scores had dropped about XXXX points and the app said that the account was now a " charge off ''. They spoke to a person in the Recovery Department after again being transferred multiple times. They spoke to a lady by the name of XXXX. This is when for the first time we were told that " a letter '' was mailed out to us on XX/XX/XXXXXXXX and since the account was not paid they charged off the account. She also stated that they had made multiple attempts to reach me over the phone regarding the payment with no response from me. I spoke to Kia again on XX/XX/XXXXXXXX to again attempt to resolve this without having to file a complaint and found out that they did not have the correct phone number for me. They have XXXX and my number is XXXX. So this confirms the reason I did not get a call from them during this period. My husband also asked XXXX to get a Supervisor on the phone and she said she was not able to reach one but would " put in a request '' for a Supervisor to call him back and it would take 24-48 hours for them to call back. My husband never received a call back from a Supervisor. XXXX told my husband that the account was sent to be a charge off because the insurance was done settling the account and now the balance was due and that was done around XX/XX/XXXXXXXX and why the letter was sent. The check in the amount of {$440.00} that was credited to the account on XX/XX/XXXXXXXX was from XXXX XXXX XXXX... so the account was not fully paid by the insurance and should not have been put into a charge off status as they are claiming when and why the charge off was done. However, XXXX claimed today that this check was from the GAP insurance and the GAP insurance has not paid anything on the claim on this car. XX/XX/XXXXXXXX -- My sister-in-law tried to call Kia today. After over an hour of being transferred, hung up on and told when she was going to add me to the call that she had to do that first because they can not stay on the phone but another agent said she would wait and the call was lost and she gave her the phone number in case that happened. That rep. did not call or attempt to call back. She spoke to XXXX then transferred to XXXX then to XXXX ( which is the one that had the number to call but did not and told her to get me on the phone ). She called back after the rep was not there and spoke and transferred to XXXX then XXXX. XXXX hung on her when she mentioned that a compliant was going to be filed with the CFPB. She called back then spoke to XXXX then transferred to XXXX and she told her I needed to be on the call but they are not allowed to wait and she would have to call back again. So I called Kia again today to hopefully be able to resolve this without having to file a complaint against them. I then was transferred to XXXX then to XXXX. XXXX is who verified my phone number, which was not correct. She again stated that they sent out a letter to us on XX/XX/XXXX ( which we NEVER received in the mail ). She told me that they received payments from the GAP insurance on XX/XX/XXXXXXXX for {$330.00}, XX/XX/XXXX for {$620.00} and XX/XX/XXXXXXXX for {$440.00}. They is not correct because GAP did not pay anything on our claim and refused to pay anything on the claim. She also again said that the charge off was filed and reported to the credit agencies on XX/XX/XXXXXXXX ... dropping our scores by about XXXX points. She said she would put in a " request '' again for a supervisor to call me back and now it could take up to 72 hours for a return call. I told her a " Supervisor '' never called my husband back in XXXX and she said there were remarks in their system stating that a supervisor had reached out to him but did not reach him. She told me that " they '' do not put the negative report on our credit that the credit agencies do that NOT them. They are who report to the credit bureaus ... so this is false as well. I did not keep good records of who I spoke to at the beginning because I did not ever think we would get to this point with Kia. If they would have told me a payment was due or the balance was due in full I would have paid it. I had never paid a late payment with them since I had this loan since XXXX. We would like all phone logs from Kia and proof of the letter that was sent on XX/XX/XXXX ( return receipt that we signed for this letter ). The letters provided by us on this complaint were emailed to us after we inquired about this issue. The one " mailed '' to us is dated XX/XX/XXXX.
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| 07/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Subject : Complaint Against Kia Finance for Violations of Regulation Z, Regulation V, UDAAP, and FDCPA Dear Sir/Madam, I am writing to file a formal complaint against Kia Finance regarding multiple violations of Regulation Z ( Truth in Lending Act ), Regulation V ( Fair Credit Reporting Act ), UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ), and potentially the Fair Debt Collection Practices Act ( FDCPA ). I believe that Kia Finance has engaged in unfair and deceptive practices, resulting in substantial harm and inconvenience to me as a consumer. The details of the complaint are as follows : Account Information : Lease Agreement Number : XXXX Lease Period : XX/XX/XXXX, to XX/XX/XXXX Failure to Provide Statements and Online Access : From XX/XX/XXXX to the current date, I have not received any monthly statements from Kia Finance, despite providing my updated mailing address multiple times. Online access to manage my account and make payments was also discontinued in XX/XX/XXXX. These actions violate Regulation Z.
Inadequate Payoff Information, Delayed Responses, and Verbal Payoff Amounts : On the following dates, I contacted Kia Finance and the dealership to obtain the written payoff amount for my lease agreement : XX/XX/XXXX : Contacted Kia Finance for assistance with regaining online access and obtaining the payoff amount.
XX/XX/XXXX : Contacted Kia Finance to inquire about the required payments while awaiting the payoff amount.
XX/XX/XXXX : Contacted Kia Finance to obtain the written payoff amount after the dealership failed to provide it. Spoke with Kia finance customer service representative.
XX/XX/XXXX : Made another attempt to obtain the written payoff amount from Kia Finance.
XX/XX/XXXX : Contacted the dealership to request the written payoff amount. Spoke with Kia finance customer service representative.
XX/XX/XXXX : Contacted the dealership for the written payoff amount, but no documents were received. Also contacted Kia Finance and discovered the account had entered collections without prior notice. Verbal payoff amounts were provided, and I was directed to work with the dealership. Spoke with Kia finance customer service representative from Kia Finance.
Entry into Collections and Incorrect Credit Reporting : Kia Finance placed my account into collections in XX/XX/XXXX without proper notice or attempts to resolve the matter. Delinquencies were reported from XX/XX/XXXX to the current date, negatively impacting my credit report. This action is in violation of Regulation Z, Regulation V, UDAAP, and potentially the FDCPA.
Inability to Locate Account, Lack of Escalation, and Failed Resolutions : XX/XX/XXXX : Contacted Kia Finance and XXXX Kia of XXXX XXXX on four separate occasions to request an update on the situation. Calls were not returned.
XX/XX/XXXX : My son visited XXXX Kia of XXXX XXXX to obtain the required documents but was unsuccessful. Contacted XXXX XXXX at the dealership, but received no response.
XX/XX/XXXX : Contacted Kia Finance on two separate occasions but no changes or resolutions were offered.
XX/XX/XXXX : Contacted by XXXX from XXXX Kia to assist with lease concerns, but since previous attempts were made, no further contact was received.
XX/XX/XXXX : Contacted XXXX Kia of XXXX XXXX for assistance, but was directed back to XXXX Kia of XXXX XXXX, which had already failed to honor previous requests for the written payoff amount.
XX/XX/XXXX : Contacted Kia Finance to have my son and XXXX, a sales representative from XXXX Kia, added as authorized users in an effort to facilitate resolution.
XX/XX/XXXX : Attempted to find an escalation team at Kia Finance but received no assistance.
XX/XX/XXXX : Spoke with XXXX from XXXX Kia XXXX XXXX after communication with XXXX. Confirmed that I would be the purchaser and scheduled a meeting at the dealership on XX/XX/XXXX, to finalize all required paperwork.
XX/XX/XXXX : Arrived at the dealership with my son and XXXX, a sales representative. Contacted Kia Finance to obtain the payoff information, but due to timing, no resolution could be reached.
XX/XX/XXXX : Continued attempts were made to obtain the requested information from Kia Finance through XXXX, but no progress was made.
Furthermore, I suspect that there may be a violation of the Consumer Leasing Act ( CLA ) in this case. The CLA imposes specific requirements and disclosures on lessors in consumer lease agreements, including motor vehicle leases. Upon review of the lease agreement and the actions taken by Kia Finance, I have identified potential discrepancies and noncompliance with the CLA 's provisions. These include but are not limited to : Failure to provide accurate and complete disclosures : Throughout the lease period, I have encountered difficulties in obtaining the written payoff amount, essential documentation, and clear information about my rights and options as a lessee, including any early lease payout options.
Lack of transparency regarding fees and charges : I have not received comprehensive information about the breakdown of fees and charges associated with the lease, making it challenging to assess the accuracy and fairness of the financial obligations imposed on me.
Inadequate provision of lease-end options : Despite expressing my intention to exercise the early lease payout option, I have faced significant obstacles in obtaining the necessary documentation and information to complete the purchase of the leased vehicle.
Explanation of Applicable Regulations : The violations outlined in my complaint are in direct contravention of the following regulations : a ) Regulation Z ( Truth in Lending Act ) : Kia Finance 's failure to provide accurate and timely statements, discontinuation of online access without proper notification, and failure to provide the written payoff amount violate Regulation Z. This regulation ensures that consumers receive clear and accurate information about the terms and conditions of their lease agreements, including statements and payoff information.
b ) Regulation V ( Fair Credit Reporting Act ) : The negative credit reporting by Kia Finance, resulting in impacts on available loan rates, is a violation of Regulation V. This regulation requires accurate and fair reporting of consumer credit information. The incorrect credit reporting from XX/XX/XXXX to the current date has had a detrimental effect on my creditworthiness and loan eligibility.
c ) UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : The actions of Kia Finance, including their failure to provide the written payoff amount, inadequate responses, entry into collections without proper notice, and the lack of escalation or resolution options, constitute unfair and deceptive acts or practices under UDAAP. This regulation protects consumers from harmful and misleading practices by financial institutions.
d ) Consumer Leasing Act ( CLA ) : Based on the recent updates provided, it is apparent that the Consumer Leasing Act ( CLA ) may also be applicable to this complaint. The CLA sets specific requirements and disclosures for lessors in consumer lease agreements, including motor vehicle leases. Kia Finance 's failure to provide accurate and complete disclosures, lack of transparency regarding fees and charges, and inadequate provision of lease-end options may be potential violations of the CLA. These violations undermine the purpose of the CLA, which is to ensure fair and transparent practices in consumer lease transactions.
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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-On XX/XX/XXXX the Kia was hit in front of our house by a neighbor that was on the phone and not paying attention and hit our parked car.
-The police never showed up. Neighbor gave us the insurance information. Made a claim on their insurance with XXXX XXXX XXXX.
-- continued to make payments until XXXX of XXXX -- XX/XX/XXXX -- I called Kia Finance to let them know that the car was declared a total loss by the insurance company.
-- XX/XX/XXXX, XXXX-Called Kia Finance they told me no payment was due. Took a screenshot of the website because my sister-in-law told me to. The screen shot showed they was no payment due and showed a due date of XX/XX/XXXX but with a {$0.00} amount due. ( see screenshot ) XX/XX/XXXX -- Called Kia about seeing if we can get the payment deferred. I was told that not to worry a payment was still not due because it was being handled as a claim from the insurance. Was told to call back on XX/XX/XXXX about the deferment.
XX/XX/XXXX -- called back to check. They said no payment was still not due since insurance and gap claim is still not fully settled.
XX/XX/XXXX -- called Kia about how much was still owed on the vehicle. They told me what the balance was at that time but did not tell me that the account was due in full at this time or that a payment was due or delinquent.
XX/XX/XXXX -- called them again to make sure a payment was not due. They still were telling me no payment was due on the account. And again did not tell me the account was in a charge off status at this time.
XX/XX/XXXX -- Tried to call Kia because I could no longer log into my online account. Spoke to about 5 people because they kept transferring me.
At this time they did not tell me that my account was now being reported as a " charge off ''. They did not mention on this day that a letter was mailed to me and my husband on XX/XX/XXXX as stated on a phone call on XX/XX/XXXX that XXXX told my husband and sister-in-law over the phone and that the account was put into a " charge off '' status as of XX/XX/XXXX.
XX/XX/XXXX -- called again to see if a payment was due and needed an address to send them the check I received in the mail from XXXX XXXX. The check was written out to me AND Kia. I was again transferred multiple times and when I asked them if I could talk to a Supervisor, they told me at that time I needed to talk to someone in the Recovery Department. I never was able to speak to someone from the Recovery Department because they just kept transferring me to the incorrect department.
XX/XX/XXXX, XXXX-mailed out the check to Kia from XXXX XXXX .
XX/XX/XXXX -- called again to see if they received the check that I mailed to them. I was transferred again multiple times and never spoke to anyone due to the company being on the East coast and I am in AZ and do not get home from work until after XXXX XXXX AZ time.
XX/XX/XXXX -- My husband & sister-in-law called to speak to someone because we saw on our XXXX XXXX app that our scores had dropped about 100 points and the app said that the account was now a " charge off ''. They spoke to a person in the Recovery Department after again being transferred multiple times. They spoke to a lady by the name of XXXX. This is when for the first time we were told that " a letter '' was mailed out to us on XX/XX/XXXX and since the account was not paid they charged off the account. She also stated that they had made multiple attempts to reach me over the phone regarding the payment with no response from me. I spoke to Kia again on XX/XX/XXXX to again attempt to resolve this without having to file a complaint and found out that they did not have the correct phone number for me. They have XXXX and my number is XXXX. So this confirms the reason I did not get a call from them during this period. My husband also asked XXXX to get a Supervisor on the phone and she said she was not able to reach one but would " put in a request '' for a Supervisor to call him back and it would take 24-48 hours for them to call back. My husband never received a call back from a Supervisor.
XXXX told my husband that the account was sent to be a charge off because the insurance was done settling the account and now the balance was due and that was done around XX/XX/XXXX and why the letter was sent. The check in the amount of {$440.00} that was credited to the account on XX/XX/XXXX was from XXXX XXXX XXXX... so the account was not fully paid by the insurance and should not have been put into a charge off status as they are claiming when and why the charge off was done. However, XXXX claimed today that this check was from the XXXX insurance and the XXXX insurance has not paid anything on the claim on this car.
XX/XX/XXXX -- My sister-in-law tried to call Kia today. After over an hour of being transferred, hung up on and told when she was going to add me to the call that she had to do that first because they can not stay on the phone but another agent said she would wait and the call was lost and she gave her the phone number in case that happened. That rep. did not call or attempt to call back. She spoke to XXXX then transferred to XXXX then to XXXX ( which is the one that had the number to call but did not and told her to get me on the phone ). She called back after the rep was not there and spoke and transferred to XXXX then XXXX. XXXX hung on her when she mentioned that a compliant was going to be filed with the CFPB. She called back then spoke to XXXX then transferred to XXXX and she told her I needed to be on the call but they are not allowed to wait and she would have to call back again.
So I called Kia again today to hopefully be able to resolve this without having to file a complaint against them. I then was transferred to XXXX then to XXXX.
XXXX is who verified my phone number, which was not correct. She again stated that they sent out a letter to us on XX/XX/XXXX ( which we NEVER received in the mail ). She told me that they received payments from the XXXX insurance on XX/XX/XXXX for {$330.00}, XX/XX/XXXX for {$620.00} and XX/XX/XXXX for {$440.00}. They is not correct because XXXX did not pay anything on our claim and refused to pay anything on the claim. She also again said that the charge off was filed and reported to the credit agencies on XX/XX/XXXX ... dropping our scores by about 100 points. She said she would put in a " request '' again for a supervisor to call me back and now it could take up to 72 hours for a return call. I told her a " Supervisor '' never called my husband back in XXXX and she said there were remarks in their system stating that a supervisor had reached out to him but did not reach him. She told me that " they '' do not put the negative report on our credit that the credit agencies do that NOT them. They are who report to the credit bureaus ... so this is false as well.
I did not keep good records of who I spoke to at the beginning because I did not ever think we would get to this point with Kia. If they would have told me a payment was due or the balance was due in full I would have paid it. I had never paid a late payment with them since I had this loan since XXXX.
We would like all phone logs from Kia and proof of the letter that was sent on XX/XX/XXXX ( return receipt that we signed for this letter ).
|
| 02/19/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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|
Web |
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I am not quite sure who this message should be going to, but I am hopeful that one of you may be able to help point me in the right direction.
I went to the XXXX XXXX in XXXX, Texas on XX/XX/XXXX to turn in my XXXX XXXX XXXX XXXX and try and get a new one.
When I first arrived everything was going well except for the fact that the salesman that wanted to help us was in his first month of working there and did not know what he was doing. ( I understand everyone has to learn, but it was everything that happened after that made this experience terrible ) XXXX was the name of the salesman that was helping us that was new, and while he was talking to us another salesman ( XXXX ) came over and kind of started to take over the sale. XXXX said that he appreciated this since he was new and needed the help.
My boyfriend and I went and test drove a XXXX XXXX XXXX since they told me an XXXX was going to be way over my max monthly budget of XXXX. Once we came back in, we then sat at XXXX 's desk and began the negotiation process.
The whole time during the negotiation XXXX was sitting at XXXX 's desk telling us about his personal life and how his wife had left him, instead of going with XXXX when he would try to get the best numbers for us. ( They would also talk about each other when the other wasn't around and made for a very awkward situation ) XXXX came back with numbers after I said the first ones were way too high and I asked what length of lease these numbers were for and he said it was a 36 or 39 month lease. I did not care which one it was but I did not want a 48 month lease.
We finally agreed on a monthly payment of {$260.00} and {$340.00} dollars down. ( They also stated that they would be taking over my XXXX XXXX lease and I would have no charges after today ) I was then escorted down to the finance area and was put in the waiting room. We sat in the waiting room for over 30 minutes waiting for the finance worker XXXX who had nobody in his office this whole time.
Once we went into his office he told us the system was down and he wasn't going to be able to print my documents for me to sign, so I would have to come back when the system was up and ready. ( He did take my first months payment and also my {$340.00} down payment at this time, for a total of {$600.00} ) XXXX then printed me a temporary license plate that was good until XX/XX/XXXX since he said the system should be up and running by then. He handed me the license plate and that was all he said. I had to ask who was supposed to put the license plate on, and then he told me to go see my salesman.
When I went to XXXX 's desk he had no idea what he was supposed to do with the license plate, but told us to meet him outside. We waited in the new car for probably 15 minutes until he came out to help us, and then he taped the license plate onto the back of the car. I also had to ask him if he was going to show me anything about the inside of the car.
XX/XX/XXXX rolled around and nobody had contacted me about signing paperwork, and at this point my license plate they gave me is now expired. I called XXXX XXXX and asked to speak to someone about getting a new license plate and was transferred to voicemail boxes where nobody every answered the phone three times that day.
I got a hold of XXXX ( the guy who said the documents are down and who printed the first license plate ) and he told me I would have to come in and pick up a new license plate, and I proceeded to tell him I would not be doing that and I would appreciate if he could email it to me. He emailed me a license plate that is good until XX/XX/XXXX. When he emailed me the license plate I asked him if he knew how long my lease was since I did not receive in writing how long it was and he said 48 months. I explained to him that I did not want a 48 month lease and he responded with, " PLEASE COME IN AND DISCUSS THIS WITH THE SALES MANAGER. ALL I DO IS PRINT DOCS! '' I attempted to contact XXXX XXXX multiple times to set up a time to come in and discuss my lease lengths and the problems that I have had with their employees. Every time I called the receptionists would transfer me to a line that no one would answer. I called every single day the following week ( XXXX ) and never heard back from anyone. I finally called and told the receptionist not to transfer me and I wanted to speak to someone immediately. I was left on hold for over 5 minutes and she told me she could take down my name and number and someone will call me back. I never heard from anyone.
On XX/XX/XXXX XXXX ( the document printer ) called my cell phone while I was at work 2 times, and then proceeded to call my wok looking for me. I called him back and he told me I needed to come in right away to fill out my paperwork. I told him I couldn't come in XX/XX/XXXX but I could be there on XXXX and he said he needed me there as soon as possible. ( I waited a week and a half for my documents to be printed but they needed me to come in as soon as possible for their documents ) When I got to the dealership on XX/XX/XXXX I told XXXX I had a few questions. I said my boyfriend and I were under the impression that I was going to be having either a 36 or 39 month lease and he said that is what he thought too. He said if the paperwork says 48 months to say you want to speak to a sales manager. When I told XXXX what XXXX told me to say he said " You can do that if you want but your payments are going to go up ''. I can not pay anymore than what I signed a lease for. I went from paying {$220.00} for my XXXX to {$260.00} for a XXXX.
XXXX did not have any documents ready for me to sign, and he had to print all new ones once I got there. He asked me how I wanted to pay my down payment, even though i had already paid it, and I had to remind him of that. Once he eventually had the documents ready he said my lease officially starts on XX/XX/XXXX even though I have had the car since XX/XX/XXXX. My mileage says that it had 15 miles because that is what it had on XX/XX/XXXX. He then stated that I will have to come back to pick up my registration, license plate, and vehicle inspection sticker once it is ready.
Before I left I had to have XXXX help me get a sticker off the side of my car since it looked like they had peeled it off and it left residue on my door.
Sunday, XX/XX/XXXX I received an email saying I owed a payment on my XXXX XXXX even though I do not have that vehicle anymore. I was told I would have nothing to do with that car after XX/XX/XXXX.
I contacted XXXX XXXX XXXX and they stated the vehicle had not been grounded and they could not process this without a vehicle return receipt which I never received. They attempted to get in touch with the dealership and could never reach anyone. I ended up going to the dealership XX/XX/XXXX to find out the vehicle had never been grounded, until I went in today.
I went back to XXXX when my XXXX lease was over because I loved my car, but I will not be getting another XXXX once this lease is over simply because of the way I have been treated.
I still have not heard anything from management to this day.
If someone could please get back to me what would be greatly appreciated. My cell phone number is XXXX, and my email is XXXX Thank you, XXXX XXXX
|
| 09/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
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Web |
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Hyundai Capital America received a negotiable instrument number XXXX to pay off the above-referenced account. On or before XX/XX/XXXX Hyundai Capital America endorsed the Negotiable Instrument and credited my account. I received correspondence from Hyundai Capital America confirming that the Instrument was accepted, and the account was paid in full. However, on or before XX/XX/XXXX I noticed that the negotiable instrument had been dishonored and my account had been reversed. I never received notification of the reversal and the negotiable instrument was never returned with a written explanation of why it was an unacceptable form of payment.
On XX/XX/XXXX, I received a call from an Agent at Hyundai Capital America asking me to give them back the title to the car. I repeatedly explained that I never received a title in the mail. ( Unaware that vehicle titles no longer get mailed but are now done electronically and must be picked up at state title agency ) On XX/XX/XXXX, I woke up around XXXX XXXX in the morning to go get my heating pad out of the car because I was in so much pain after my recent XXXX XXXXXXXX on XX/XX/XXXX, only to walk out of my house to find that my car had been stolen.
The following day, I called the XXXX XXXX XXXX XXXX to report my car stolen only to be informed that Hyundai Capital America had enlisted or hired XXXX XXXX XXXX XXXX to seize my vehicle. The theft of my vehicle was unjustified because I was not in default on my loan agreement.
I want to bring your attention to the first line of Hyundai 's Arbitration Clause which states EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN YOU AND US DECIDED BY ARBITRATION The arbitration clause further states that Neither you nor we waive the right to arbitrate by using self-help remedies, such as repossession, or by filing an action to recover the Vehicle, to recover a deficiency balance, or for individual injunctive relief.
If Hyundai Capital America had any grievance with me with regard to the terms of the agreement or the negotiable instrument that was presented for tender of payment, then Hyundai Capital America should have upheld the terms of the agreement and disputed the allegations through the arbitration process.
Instead, Hyundai Capital America chose to willfully violate the law and the agreement by using self-help remedies and malicious behavior, such as the theft of my vehicle, threatening to file a civil action against me, reporting inaccurate information to all 3 credit bureaus, and using intimidation tactics to recover a deficiency balance that was caused by a clerical error from Hyundai Capital America .
I later discovered that Hyundai Capital America 's actions were intentional because Hyundai Capital America was not legally competent to process a negotiable instrument. Ignorance of the Law is not an excuse to hold me legally responsible for Hyundai Capital Americas clerical errors. Hyundai Capital America used the language check when a conspicuous statement of sufficient type size was clearly readable and placed on the negotiable instrument which states, This MUST be Processed/Deposited as a Negotiable Instrument. It was expected that the negotiable instrument be thoroughly examined by Hyundai Motor Finance.
The following are the violations that Hyundai Capital America committed against me 1. ) Hyundai Capital America has violated the Uniform Commercial Code by dishonoring my negotiable instrument/note presented for tender of payment. Florida Statute 673.5021, 673.5031, and 673.505. The holder of the instrument must issue a notice of dishonor before midnight of the next banking day within 30 days. The negotiable instrument was sent to Hyundai Capital America in XXXX, and my account was credited and reflected a XXXX balance. In XXXX, Hyundai Capital America reversed the charges and dishonored the negotiable instrument. Until this day, I have not received correspondence from Hyundai Capital America informing me of a dishonored instrument.
2. ) Violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) by closing my account and reporting the final balance as a charge-off. A charge-off means a company has written off a debt which typically follows 180 days or six months of nonpayment, and the company believes it will not receive the money that its owed. This is usually when the account has reached default and a repossession takes place, however ; this was not the issue in my case. Although I submitted the negotiable instrument in good faith, I never stopped making my monthly payments to my account. Even the last correspondence from Hyundai Capital America to me dated XX/XX/XXXX, states Your account is also currently 0 days PAST DUE IN THE AMOUNT OF {$0.00}. Making Hyundai Capital America 's actions unlawful and not considered a repossession but an act of grand theft. Hyundai Capital America violated Section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ) Sections 623 ( a ) ( 8 ) ( E ) and 623 ( b ) ( 1 ) ( E ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) and ( b ) ( 1 ) ( E ).
3. ) Hyundai Capital America failed to follow the proper procedures for repossession and sale of my vehicle, which resulted in wrongful repossession. According to Section 493.6404 ( 2 ) ( d ) ( e ), f.s. Five ( 5 ) working days after the repossession I was supposed to receive a written notice of the location of my personal items and the procedures for reclaiming them. I never received a notification from XXXX XXXX XXXX XXXX. Additionally, XXXX XXXX XXXX XXXX was supposed to provide me with a disposal notice and give me an opportunity to collect my personal items. XXXX XXXX XXXX XXXXXXXX disposed of my items without sending me a written notification by the United States Postal Service. Lastly, I made an appointment to pick up my personal items on XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. Only to find out that XXXX XXXXXXXX XXXX XXXXXXXX towed my car to an undisclosed location on XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXXXXXX intention was not to allow me to pick up my personal belongings. According to Section 493.6118 ( 1 ) ( f ), f.s is a form of deceit. I have a recording of a representative from XXXX XXXX XXXX XXXX stating the car had already left and that I would need to contact the bank to retrieve the rest of my personal items.
4. ) Defamation of Character : Hyundai Capital America reported inaccurate information to all three ( 3 ) credit bureaus ( XXXX, XXXX, XXXX ) which has reduced my credit score and decreased my buying power. Section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ) Sections 623 ( a ) ( 8 ) ( E ) and 623 ( b ) ( 1 ) ( E ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) and ( b ) ( 1 ) ( E ).
5. ) Breach of Arbitration Agreement : The arbitration agreement applies to both parties, not just to the consumer. Hyundai Capital America used coercive power and malicious behavior with the sole purpose of making the consumer the scapegoat for their clerical error. Section 768.737, Florida Statue. All corporations dealing in commerce must abide by the rules and the laws of the Uniform Commercial Code.
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| 08/26/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX a repo company names XXXX XXXX XXXX came to retrieve my car. I questioned the driver about i never received a notice or even a bill for my new car. I even called the company in XXXX and XXXX ( Hyundai XXXX ) to find out 1. Is there a bill coming soon 2. Will they call me to get my license plate. The lady I spoke to said, it should be coming the first of the week XXXX. I called back in XXXX with same question and they said they would have someone call me.
The repo company allowed me to call the number of the finance company because I didn't have any number on my contract or name of the company on my contract so I didn't know who to call. I called them but they were closed. After being so angry and frustrated, I realized it was XX/XX/XXXX weekend and they wouldn't be open. I was left without a car from XX/XX/XXXX evening to the XXXX afternoon. I had to find my way to work, I had to find my way to my mom XXXX home because she has XXXX and is elderly to drop supplies to her and on XX/XX/XXXX, I had to take a day off to retrieve my car.
XX/XX/XXXX I spoke to XXXX about my situation ( Hyundai Finance ). I told her i never received a payment book or statements. She just read the reinstatement procedure to me and said I owe XXXX which needs to pay within 10 days to release your car otherwise it would be sold at auction. the XXXX included XXXX for past payment ( which I still have not received anything stating that it was past due or my monthly payment stubs. XXXX surcharge XXXX repossession fee. So, I paid. i was upset because in XXXX i lost my car to a flood here, i was swept away in my car and so, this purchase wasn't planned it was a necessity. I was angry because I had notice from the company and the statements they said they sent, later I found out it was sent to my physical address when I clearly stated it's a a non deliverable address but listed my P.O. Box as the primary. Then, XXXX told me processing the payment will take a while and then, I can call to know where to retreive my car. The tow truck operator gave me his number and his name was XXXX @ XXXX told me maybe once you get this figured out they will allow me to bring it to you. He knew i was very upset!
XX/XX/XXXX, I called USPS to create a claim because the last 3 statement went missing and i wanted to know where they went. I went to the post office in XXXX and asked them to find out what happened.
Then, on XX/XX/XXXX, - spoke to a XXXX XXXX agent at XXXX XXXX then, spoke to XXXX who told me someone will call me with amount and pick up. information.I called Hyundai Finance in Ca. and asked to speak to Manager. I spoke to a XXXX XXXX voicmail and never received a call back from him til this day XXXX XXXX, XXXX. XXXX the hyundai rep told me everyone pays a repo fee.
XXXX from PAR gave me the address and time I could pick up the car. He required XXXX on top of all the other charges because it was a release charge for car, needed cash because he was always on the road. Picked up car and rove home.
XXXX called hyundai finance again to find out what happened and how to solve this problem. During this time I had sleep deprivation, a lack of appetite and some health issues I had to consult with my Dr. due to the stress that this situation is having on me.
Called XXXX another manager in Georgia XX/XX/XXXX called Hyundai again and opened a complaint, spoke to XXXX another manager- he stated that the contract should state where to pay but I looked at my contract and it didn't state that but he said on page 11 it is there but i told him I dont have page 11.
XX/XX/XXXX Called the hyundai XXXX finance department and spoke to XXXX who set up my contract and told him the story. He said he would call on my behalf but I seem to be getting somewhere probably more than he. He explained that the contract doesn't give a finance company because that changes with each customer.
XX/XX/XXXX, - XX/XX/XXXX left messages. XX/XX/XXXX, - XXXX asked for receipts from bank and PAR so I provided him with screen shots because 1. my bank was not going to submit a statement to any company, they suggested I bring it up on my computer and send the e statement which I did and 2. i sent the PAR receipt to them. from XXXX XXXX I didn't hear anything, no phone call no email which i sent to XXXX because i wanted an update.
on XX/XX/XXXXI called back to ask for the President or CEO XXXX XXXX office because I would like to speak to him because i wasn't getting anywhere and no one is filling me in. During this time, i wanted my full amount {$840.00} ( XXXX XXXX surcharge + XXXX ) and wanted XXXX to work on correcting my credit report.
XX/XX/XXXX Spoke to XXXX and asked about what is going on? why hasn't anyone notified me or kept me updated because it has been a month since this has happened. She said the situation has gone to higher management but to give them 30 days and not to call back, someone will contact me. Okay i said.
XX/XX/XXXX I called hyundai finance again early since I haven't been sleeping well during this time and spoke to XXXX and I asked about the situation because it has been 32 days and no one called me, emailed etc. She said a request was submitted XX/XX/XXXX for XXXX i said " no, I want all of the money I paid which is {$840.00}. { I told XXXX that when I spoke to him too, that i do not want XXXX I want and the full amount that i paid. } I won't accept it, I want the full amount which I paid. I also want my credit score fixed so you can out that in your computer and send it to your manager.
XXXX- received car statement which states no payment amount due. ( To this day, i haven't received the 3 payment stubs which are still missing although, I paid and asked for it, i haven't received my contract from them which Im suppose to have ).
XX/XX/XXXX called XXXX from hyundai finance to ask why is there no amount? Why does the automated service when I call state i dont have to pay til XX/XX/XXXX? He told me that it was processed {$680.00} would be refunded to me and XXXX check would be sent. I didnt ask for that, I wanted {$840.00} but at this point, Im frustrated! I said put the XXXX towards the car and Ill await my check and work on the credit score please.
I went on experian and filed a dispute so they can change my late charge to on time because it wasn't my fault that they sent it to physical address and they didn't follow up on the correct address. They did however, say they called but I have no phone record of hyundai finance calling me, voice message otherwise I would of called.
XXXX received a check in mail for {$670.00} but will not cash it because I want my full amount!
Hyundai Finance or Hyundai Capital : XXXX I have all my notes by date in my log book and can take pictures of it if need be.
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| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I purchase a new XXXX XXXX in XXXX of XXXX. I didnt receive my first bill in the mail and it was not clear when it was due. Kia finance called me and said I was a few days late. I asked if they could help me set up Auto Payments and if they could provide me with my Kia Finance account number. They said they could not because it was already a few days past, so their website wouldnt let me sign up for Autopayment. Literally their online payment portal is the only one I have ever experienced that doesnt allow you to bring your account current and setup autopayments at the same time. So I paid over the phone and by mail for the next couple months until I could finally log into their website and setup autopayments.
I setup Autopayments on the phone with customer service person ~XXXX of XXXX. However, I accidentally transposed XXXX digits when inputting the account number and didnt realize it.
In XXXX I received a bill saying it was late, which didn't make sense since the Autopayments were set up. I called Kia Finance and spoke to a customer service rep, and we discovered the account number issue at that time. The Service rep then told me that since the account was late, I was locked out of the website and couldn't update my Autopayments. ( Which makes no sense ) So XXXX and ridiculous.
I am laughing as a write this because this policy is almost comical. If you miss type your account number and don't catch it right away, the system locks you out because of " failed payments ''. You then can't ever correct this issue because you're locked out and the system just keeps trying the wrong account number over and over and over, which maintains the lockout. This is manipulative and arguably a terrible and discriminatory practice.
Frustrated, I went to my bank and set up XXXX XXXX immediately. So Regions started Printing a check and mailing it to Kia finance starting in XXXX and has been doing so ever since.
I tried to refinance my house in XXXX because I am going through a divorce, which is traumatic enough and XXXX XXXX says you have One ( 1 ) 30 day late in XXXX from Kia. It dropped my credit 80-100 points initially. I have not had a payment 30 days late in over a decade. I felt totally taken advantage of by Kia Finance. I called them first and tried to request they take it off since I had such a challenge with their systems getting the autopayments setup. This was denied and not even reviewed. I had to mail in by hard copy my request and they wouldnt even talk to me on the phone.
I then went to the XXXX XXXX XXXX and filed a complaint, Kia finance finally called me back and still treated me, their customer ( and a kia owner for 14 years ) like I was and enemy, was worthless and like there was nothing I could do. I got this weird feeling like Kia Finance wanted to punish me for struggling with their ridiculous online policies. These auto payment & Website lockout rules were not explained anywhere prior to signing there financing documents. Neither were they explained on their website, which makes this practice deceptive and arguable predatory. I would have never financed this car through Kia finance, if I knew of these policies beforehand.
The funny thing was, is that even on my XXXX call with the Kia Finance Credit team, I was still locked out because the Autopay was still trying to run the wrong account every month. ( I couldnt get in to fix itlaughing at this fact ) The account had been current since I setup Bill Pay with Regions, but Kia 's online payment portal was still broken and locked still trying to run the wrong account.
I again requested Kia remove the one ( 1 ) - 30 day late from my credit report because their system was ridiculously confusing, flawed, and the Autopayment system was clearly broken. They would not even entertain the idea, which makes no sense. Obviously, there was confusion, and their system was not functioning properly. So, because I transposed 2 digits by accident and then couldnt fix it, they dinged my credit. Does the CFPB encourage lenders to punish their customers?
Had I just been late on purpose, or because there were not any funds in the account, I would understand. But if you pull the records & calls, from the beginning it was a challenge to setup the Autopayments. which is how I pay all my bills, well except Kia because of their weird system.
I finally go so frustrated with this whole mess, I returned to the Dealer and spoke with the XXXX XXXX. His exact words were, Yeah Kia Finance is XXXX. This is not the first time I am hearing this. The people in that company are all siloed and they dont care about the customers. I can hardly get anyone to call me back. I can imagine your frustrated These are words out of the mouth of the General Manager of the largest Kia Dealer in XXXX XXXX XXXX. He said he would try to reach out on his end, but his rep is very unresponsive. I have not heard anything back from the XXXX yet. He did, however, offer to buy my car back from me. I sold it back and paid a small delta in XX/XX/XXXX, to be done with this company. Now the loan is closed and Paid in Full. The Dealer had to step in, because they felt guilty for how terrible Kia Finance treats their customers. This was my second car, and it was supposed to be helpful. Kia Finance turned this into a nightmare and ruined my 14-year customer relationship with the Kia brand.
I just received a letter from Kia Finance stating : Its not within our policy to remove negative information solely as a courtesy This isnt a courtesy, their policies and weird protocol for their website and autopayments caused these issues and this was a mistake on Kias end. Hence their system was still trying to charge the wrong account for 6 months, and the website wouldnt let me login to fix it. Ridiculous I have never wasted so much time on problem with any company, but now its just on principle. If Kia finance is treating other customers this way, who will stand up for them. I am in contact with a law firm and will be filing suit if they dont make corrections to their policies and fix this credit reporting mistake on their end.
Please help CFPB, Kia Finance wont listen, and they dont care about their customers. Even the Kia Dealers know this and openly state it. Please help fix this problem.
As I reflected on this more. I think Kia damages peoples credit on purpose, so when they buy their next kia they have lower credit and then Kia can charge higher interest rates. more profitable for them... Seems very predatory to me.
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| 12/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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Hello, I have made ongoing attempts to have Hyundai Motor Finance ( HMF ) complete a state-to-state transfer of my ( financed ) vehicle title since XX/XX/XXXX and have gotten nowhere. I am currently driving an unregistered vehicle because of this. Here are the details.
XX/XX/XXXX : I purchased my XXXX XXXX from XXXX XXXX in XXXX XXXX, XXXX I am financing the vehicle through Hyundai Motor Finance for 60 months, which will end in XXXX of XXXX.
XX/XX/XXXX : I moved to XXXX XXXX, XXXX. I went to the XXXX and filled out all the paperwork required for me to get my license and registration. I do remember it involved filling out some paperwork for the Lien, and I was able to get all of this done in one day, and I received my tags and license in the mail within a few weeks. I never received the title, but this did not raise any flags with me at the time since I wasn't familiar with XXXX XXXX laws.
XXXX : I moved in with my parents temporarily in XXXX XXXX, when XXXX of XXXX was approaching I realized I would need to register the vehicle in XXXX as my XXXX plates were about to expire. At the XXXX DMV I was able to get a license, but they told me that since I was coming from the state of XXXX then I should have a copy of the title as they are a title holding state.
XX/XX/XXXX - XX/XX/XXXX : I spoke with the XXXX DMV 3 or 4 times by phone to try and figure out why I could not order a duplicate title through their website. Each time they said they did not know, and would have someone call me back within 2 weeks to help resolve the situation. Each time, no one followed up. The final time I spoke with them, they suggested I fill out a paper application and mail it in, which I did on XX/XX/XXXX.
XX/XX/XXXX : I moved to XXXX XXXX XX/XX/XXXX : I received a letter from the XXXX XXXX stating they could not provide a duplicate title for the following reason ; " XXXX needs the out of state title from XXXX in order to process your transaction. Please contact your Lien holder for assistance. '' ( See Attached document ) XX/XX/XXXX : I call Hyundai Motor Finance ( HMF ) for the first time. They send me a secure message, and I fill out the information for the State-to-State Title Request. I call back twice over the next two weeks before a representative ultimately takes the info over the phone to start the process.
XX/XX/XXXX : I call HMF a few times to check on the process. HMF states that the title will be overnighted to the XXXX XXXX on XX/XX/XXXX.
XX/XX/XXXX : I spend the entire month calling the XXXX XXXX. They continue to state they have not received the title. HMF continues to confirm that they have XXXX XXXX the title to the XXXX on XX/XX/XXXX. On one call, a XXXX XXXX tells me to ask for the XXXX XXXX tracking number from HMF. After several calls with HMF telling me that there is no tracking number, they are finally able to confirm that they did not in fact overnight the title to the XXXX because their request from the state of XXXX was denied for the reason that the XXXX title was no longer valid, meaning they never received it. I call the XXXX DMV and they tell me that they surrendered the title to the state of XXXX on XX/XX/XXXX ( which doesn't make much sense because I moved to XXXX in XXXX of XXXX ). They tell me to have HMF submit the XXXX form again along with documentation from XXXX that they don't have the title.
XX/XX/XXXX : This month is spent trying to figure out how to get a copy of the attached letter to HMF and have them submit it with the request. I sent it to two of their title email addresses. The representatives at HMF claim they have no phone number for the titles department, and can only email them. I am told I will receive the title on XX/XX/XXXX. Near the end of XXXX or early XXXX I am told the request was denied again because XXXX believes they are not the title state. It is still not clear to me whether they actually provided my attached letter.
XX/XX/XXXX : Many calls to HMF, the XXXX DMV, and XXXX XXXXXXXX. The XXXX XXXX states that when I registered my car, they created a temporary title number for me in order to complete the process. The XXXX speculates that having this temporary title number in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is what makes XXXX think they are not the title holder. They tell me they can remove it. I speak with the XXXX DMV and they state that this will resolve the issue.
XX/XX/XXXX : I receive an email from the XXXX XXXX that states, " Good morning, The XXXX entry has been removed from XXXX, XXXX is now showing as the current state of title. XXXX should be able to issue a duplicate title. If you need anything else please let me know. Have a wonderful day! '' I call the XXXX DMV. They confirm that XXXX shows XXXX as the title holder and that HMF can request my title again. I call HMF and ask them to set up the request again as I know it takes several weeks for them to actually do it.
XX/XX/XXXX : After several calls where I am told a wide variety of different information ( sometimes that the request has yet to be sent, sometimes that it came back and was denied ), I am finally told that they have received the title from the state of XXXX, but do not want to send it to the XXXX XXXXXXXX as I no longer live there.
XX/XX/XXXX : At the request of HMF, I call the XXXX DMV to see if it's ok if HMF sends them the XXXX title directly despite having ( expired ) XXXX tags. They agree that this will be fine and I am ecstatic that I won't have to take the extra step of dealing with the XXXX XXXX before finally registering my car in XXXX XXXX I give HMF the address of a XXXX DMV, and they tell me it will take 7-10 business days for the titles department to process and send out.
XX/XX/XXXX : I feel I can finally relax because I will soon be driving a registered vehicle, the nightmare is almost over. I make weekly calls to HMF and am continuously told there is no update because the titles department is backed up.
XX/XX/XXXX : On a call with HMF, I am told that the latest update came in that same day : XXXX denied their request because they are not the title holder. Their statement on XX/XX/XXXX about having already received the title from XXXX was apparently a lie.
XX/XX/XXXX : I speak with the XXXX DMV and am told that the system shows XXXX as the title holder and there is no record of any other state ever having the title. He speculates HMF may have submitted the incorrect form, but it seems like there is no way to know.
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| 01/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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We went to XXXX XXXX XXXX in XXXX Ohio to purchase a car on XX/XX/XXXX. They got us " approved '' and let us take the vehicle home the same day. We were told there was a 14 day period where the loan could be denied. They did ask that I could provide them pay stubs that would show My total income. My husband had his in hand, mine just did n't show total tax deductions and I was told I would need to get that to them ASAP. Because I was on XXXX leave, I was unable to get the paperwork that they needed because I 'm Technically unemployed while on leave. My manager was unable to provide them because they did n't have access to the files when an employee is on leave ( I am on leave for a total of 12 weeks for XXXX leave ).
My manager said they could easily provide them when I returned to work and my status was no longer " inactive '' as an employee. The dealer was telling us that they need them now, and they asked that I make it aware how urgent this is. On XX/XX/XXXX I received an email from the general sales manager telling me to bring the vehicle back and that my financing had been denied since I could n't provide the documents they required. " unable to verify income. need complete copy of current year to date pay stub with itemization of taxes and deductions '' The email ended with " Please return the vehicle to the dealership immediately. Any alternatives available to you will be discussed at that time '' Thank you, XXXX XXXX -General Sales Manager.
I Emailed back and tried to call several times. I left multiple voicemails with no returned calls. I did n't want to take my XXXX out in the dangerous weather during winter time if I did n't have to. We drove up there since they seemed to be avoiding our calls and not replying to my emails. We spoke to a manager when we got there, his name was XXXX. XXXX told us to keep the car for another 24 hours and he would figure something out with my employer. He said he was going to call my employer and get a " workforce number '' he said if he could n't get it approved he would pick the car up from our house and that he would bring our {$1000.00} down payment to us as well.
That night since our loan was n't approved, we went to another dealer and looked at vehicles to see if something else might work out. That dealer explained that it would n't be a problem if they left me off the loan and it should work out to being a better deal at a much lower rate. They urged us to wait to take delivery of the vehicle so that we could make certain that we were giving the XXXX back. We signed paperwork to secure the vehicle, they told us that they would hold onto everything until we had returned the XXXX to XXXX XXXX XX/XX/XXXX and make sure that all went smoothly.
On Wednesday XX/XX/XXXX we Went to XXXX XXXX at XXXX, our salesman told us that XXXX would be in a meeting from XXXX-XXXX and he was going to let XXXX know we were waiting on him. We sat for an hour ... nothing was happening, another salesman came out and asked why we were still here. I explained that we were here to return the vehicle per the GSM 's request in his email. That salesperson went and tried to get a manager involved. We got to talk to a manager around XXXX XXXX We got escorted in to an office with a Sales Manager named XXXX, He called XXXX financial funding dept. XXXX answered. He asked if our deal was going to fund, she said no, they still needed my tax documents. He asked how we could get it approved? Said if they could get the work force number they may be able to get it done?
XXXX asked if we wanted to see if he could get it approved, I told him no since this whole deal has been a nightmare and I have been back and forth and the Manager XXXX could n't even come over and speak to us even though he knew we were there to see him. I just wanted to be done with the whole thing, especially since I knew we already have a better deal worked out on a better vehicle. They asked when I could come back and pick up our check, I told them it would be after XXXX, he said he would call back in 15 mins but never did.
We were on the phone with XXXX XXXX speaking with them, we informed them that we had returned the vehicle back to the dealership per the email and since we knew they were trying to force something to happen not to try and process the un-approved loan any more. The lady at XXXX stated that was okay, they document everything and the calls are recorded. There were no funded deals in mine or my husbands name. She did a search and since there was no records of the loan everything seemed fine. The GSM XXXX Finally called and asked what he could do to make it right? I said at the moment, the loan is n't approved, I have returned the vehicle per your request in your email. He asked if anyone was aware that we returned the car. I told him that 3 of your sales managers, your finance lady and 2 of your sales people are aware and were there when we returned it.
At XXXX XXXX that evening on XX/XX/XXXX I called and left XXXX a voicemail. I tried XXXX and left a voicemail. I wanted to come pick up the check since it was supposed to be ready at XXXX. No one called me back, I called a salesperson and left a voicemail with him at around XXXX. I heard nothing from anyone until Friday at XXXX XXXX, XXXX called me and said that he got the loan approved and we need to come pick up our vehicle. I called XXXX finance, they still had no records me or my husband. He asked when we applied for the loan, I explained that it had been a month ... he wanted to check something but continued to find no records and its still not approved. XXXX comes back to the phone and said " its approved '' with their funding dept. and it would take at least 24 hours to show up in their system. We argued back and forth and he kept telling me to come get my car. I asked to speak to the General manager XXXX, he put me on hold, I was told that because of the weather XXXX was n't in, but he would be calling on Saturday. He did n't call, I called XXXX XXXX and asked for a supervisor, she said that the loan was approved as of Friday XX/XX/XXXX ( that day ). I am still waiting for XXXX the GM to call me back to get this resolved. They are trying to force me to take a car that they instructed me to bring back since they could n't get it approved. I still have the emails from him asking to return the vehicle and the messages from my manager stating that they could n't provide the needed paperwork because I was inactive.
|
| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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What Happened : On XX/XX/XXXX ( payday ) fund auto-deposited into my chk acct approx @ XXXX XXXX, so I made a {$480.00} pmt to my KIA, which includes {$100.00} past due XXXX ( XXXX days ) and {$370.00} XXXX past XXXX ( XXXX days ). This payment actually brought the account current XX/XX/XXXX payment becomes due, which was initiated by myself without having received any calls or electronic notices from KIA Finance to my knowledge regarding my KIA account at the time. Later that night or more specifically, early on XX/XX/XXXX, approx XXXX XXXX I was awoken and happened to go out on my balcony, when I noticed that my car ( XXXX XXXX ) was gone!
Early the next morning, I immediately contacted KIA Finance and asked for explanation regarding why was my car repossessed, which they stated that I was on a repossession list. I then stated that I had already made a payment online that bought the account current, so again ... " Why was my car repossessed? '' The rep stated that I did not call or contact KIA Finance regarding my payment. I then said that I have been paying on the vehicle for over 5 yrs and never called to let KIA Finance know that I made a payment... and then asked " KIA doesn't get a notification when its customers makes their car payments from their personal KIA account that's accessed within KIA Finances own website? '' I asked to escalated the issue/discussion to a Supervisor. The Supervisor said basically what the rep shared and he responded that he can see that I " Authorized '' a payment on XX/XX/XXXX, although we ( KIA ) can't tell whether its real payment or not and since I was in Repo status that I needed to call them when I made the actual payment. I stated that no one called me from KIA to let me know anything, especially that I was in a repo status, although if I knew that I surely would have contacted you at the time of payment to avoid any crazy actions! The rep/supervisor then stated that I requested to be placed on a Do-Not-Call list, which I stated that I have never asked to be placed on a Do-Not-Call list. I said it shouldn't matter since I paid the past due balance previous to the repo, so why did KIA repo my car? Again, the rep/supervisor stated that I needed to contact/call KIA at the time of payment to avoid the repo taking place, which I stated why would I need to call you when I paid through my KIA account... and I received an email confirmation of the payment immediately to my email, so why is KIA acting like they are oblivious to my payment being made and why would I ever contact a KIA rep anytime a customer makes a payment... and is that what KIA is requesting of their customers each month? Again... you were in a repo status, so contacting KIA 's dept that handles repossessions was necessary to avoid the repo proceeding. I asked if I could have a copy of their companies internal repossession procedures regarding & their internal car payment ( s ) procedures sent to my email. I was denied this information.
**Important FYI... On XX/XX/XXXX... XXXX and XXXX when I called to discuss the repo and how I felt that it was " Unjust '' and I asked for a review of my situation from KIA 's corporate office, I was told that a review would be conducted and I would be notified of the findings. Although an important point is that if you called the division that handles repossessions at that time you would find that the office hours were ( XXXX XXXX XXXX-est ) which means that on the West coast if you contacted KIA 's Repo division after XXXX XXXX west coast, then you were out of luck! This means even had I been aware of the repo status on XX/XX/XXXX, I would not have been able to report the payment ( XXXX XXXX XXXX AZ ), since that division would have been already gone for the day. I found this out when I contacted the repo division office around XXXX on XX/XX/XXXX to discuss additional issues regarding acquiring my car out of repossession.
On XX/XX/XXXX & XXXX... I escalated and again asked individual 's I spoke to at their corporate headquarters, located in California, if I could have a copy of their companies internal repossession procedures regarding & their internal car payment ( s ) procedures sent to my email. I was again denied this information. I threatened to review any and all legal remedies against KIA for the unjust repossessions of myself and any others who might have been harmed by this corporations unjust actions, which I stated includes more than half of the country that could be unfairly subjected to unjust repossession due to the crazy ( XXXX XXXX - XXXX XXXX ) hours that the repossession division was open and available to customers.
I don't know if what I shared to KIA corporate made a difference, although when I called KIA finance on XX/XX/XXXX, the hours for access to the repossession division has been changed to ( XXXX XXXX - XXXX XXXX est ).
Around XX/XX/XXXX, I called KIA again to discuss a XXXX payment deferral, since my car was supposedly being reviewed for what I considered to be an unjust repossession and I had to pay over {$750.00} to get my car back back. Again, I was denied! So when I went to my KIA account I noticed that my account stated that my payment on XX/XX/XXXX was for {$370.00}. The {$480.00} credits as my XXXX XXXX ( See Encl. ), so I was fine and didn't require a deferment, although on XX/XX/XXXX when I was looking to pay the monthly {$370.00} ... the amount was changed to {$760.00} past due! I was both levied and extremely exhausted at the same time! So I paid the $ XXXX monthly XXXX and here I am today! I again called KIA Finance and the reasoning from them is that additional repossession fees was not added until XX/XX/XXXX, so that why the amount due changed. So, I asked after I had to pay over {$1500.00} in less than 30 days to KIA, could they apply my XXXX XXXX monthly car pmt towards my XXXX payment, so I am not at-risk of another repossession and make payment arrangements to pay the remaining {$390.00} due... again denied! The rep stated that their internal processes are designed to pay them first. A single individual has " Zero Chance '' negotiating with a $ XXXX Dollar corporation who holds all the cards ... at every turn they are always gon na be right! This is a classic " Heads they Win... and Tails the Customer Loses '' scenario! I hope your organization can assist the little guy, because KIA is a " Corporate Bully! ''
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| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In early XX/XX/XXXX, I opened an account with Hyundai Financial ( XXXX XXXX XXXX ) to finance the purchase of a XXXX XXXX XXXX vehicle. In late XX/XX/XXXX, I contemplated selling this vehicle. At that time, I had a principal balance of approximately {$34000.00}. On or about XX/XX/XXXX, I called the customer service phone number of XXXX XXXX that was referenced on a recent statement ( XXXX ) and spoke with a company representative. I told the representative that I was considering selling the vehicle to a local dealership, XXXX XXXX XXXX XXXX, for {$45000.00}, or approximately {$10000.00} more than the loan balance. I asked the XXXX representative for guidance on to go about completing the transaction in such a way as to 1 ) pay off the existing loan ; 2 ) receive the approximately {$10000.00} difference between the purchase price vs. the amount owed, and 3 ) provide XXXX XXXX XXXX XXXX a vehicle that was free of a loan & to receive a clear title. The XXXX XXXX representative suggested I have XXXX XXXX XXXX XXXX make the entire {$45000.00} check payable to XXXX XXXX. She then provided an address for the company to which to send the check. The representative stated that upon receipt of the payoff, XXXX XXXX would then mail me a refund check for the difference between the check received from XXXX XXXX XXXX XXXX and the amount owed on the vehicle within 30 days. I didn't need the money within XXXX days and thought that would be a reasonable course of action. On Saturday, XX/XX/XXXX, I then completed the sale of the XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent XXXX XXXX a check for {$45000.00} via overnight mail along with documentation showing my account number there for which the payment would be credited. I received a letter on XX/XX/XXXX from XXXX XXXX dated XX/XX/XXXX saying that my loan account there was paid in full. Approximately 30 days later on/about XX/XX/XXXX, I had not received a refund check and called XXXX XXXX customer service to inquire about the status. I spoke with a XXXX XXXX representative who stated that the company had recently changed the time frame in which they processed refund checks for overpayments of vehicle loans from 30 days to 45 days. In addition, she told me that it would take an additional XXXX days after the 45 day waiting period for me to receive the check. I expressed frustration about them arbitrarily extending the period of time to process a refund check. I further stated that I had relied on the first XXXX XXXX representative 's statement to me that the refund check would be processed within 30 days. The representative apologized and stated there was nothing she could do. I was very upset about this and asked how I would go about filing a complaint. The representative provided an address for XXXX XXXX where complaint letters should be mailed ; they did not have an online option for filing a complaint. On XX/XX/XXXX I mailed a letter to XXXX XXXX in which I filed a formal complaint about this.
XXXX XX/XX/XXXX, a man named XXXX from XXXX XXXX XXXX XXXX to discuss my complaint letter. He stated that because of the size ( more than {$2000.00} ) my refund was in a pending status waiting for a manager to approve it. He further explained that the check would be mailed as soon as it was approved. XXXX gave me his direct phone number in case I needed to speak to him about this matter again.
XXXX XX/XX/XXXX, I called XXXX from XXXX XXXX to check on the status of my refund check. He said that the check was still in a pending status and that I should just be patient ; it would go out soon.
XXXX XX/XX/XXXX, I called XXXX with XXXX XXXX to again check on the status of my refund check. I brought to his attention that the loan had now been paid off for 48 days. I asked if my refund check had been issued. He told me that he could not send a refund check to me ; rather, their company policy was that any payments made in excess of the balance of an loan account had to be paid to the payor ( XXXX XXXX XXXX XXXX ) and not to me, as the account owner. I protested this policy and stated that the first representative with whom I spoke ( person who recommended I have the full {$45000.00} payment amount made payable to XXXX XXXX ) never told me that and never told me that there would be up to a 45 waiting period before a refund check would be made. He said there was nothing he could do. I asked to be transferred to a supervisor.
I was then transferred to a lady named XXXX, a supervisor in XXXX XXXXXXXX XXXX executive office. She told me that they were going to call XXXX XXXX XXXX XXXX to see if they would grant permission for them to pay me the difference between the {$45000.00} payment to my account and the {$34000.00} loan balance. She stated that if they gave verbal permission, they would mail me a refund check.
Late in the day on XX/XX/XXXX, XXXX from XXXX XXXX called me and said that she had " good news. '' They would be sending me a refund check via overnight mail. She asked if I would like to have the tracking number when the label was generated. I said " yes, I would like to have that. '' XXXX said " I will call you on Monday, XX/XX/XXXX and provide that to you. I thanked her.
Late in the day on Monday XX/XX/XXXX, I had not heard from XXXX nor XXXX XXXX. I called and left a message for XXXX and she called me back. I told her 1 ) she hadn't called me, as she stated she would ; and 2 ) she didn't provide the tracking number. She said she now had a overnight mail tracking number to provide me. I asked, " So the refund check will go out via overnight mail tomorrow, XX/XX/XXXX? '' She replied, " No, it won't go out until Thursday. '' I told her I didn't understand why they had to wait an additional two days to send me the refund check. I told her it had been over 50 days since they received a check to pay off the loan, yet I still didn't have my refund. I told her that this is the worst experience I've ever had with a lender. I also stated that they have misrepresented their refund payment process several times, had held my refund for an unacceptable amount of time, and not honored any of the commitments they had made to me through this entire process. XXXX did not apologize for any of this and was anxious to get me off the phone. I told her that I would never again purchase a XXXX or XXXX XXXX, nor would I ever do any business with XXXX or XXXX XXXX ever again.
|
| 12/21/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT SUBMISSION I am XXXX XXXX, XXXX of the Note that was created via the Application done with XXXX XXXX Kia, which created the CREDIT. I was never informed or aware I would be an investor/party in a asset backed securities. According to the agreement on hand, my obligation was concluded from inspection of the transaction. I was also not informed that Kia Finance was a licensed DEBT collection agency as I was told Kia Finance America is a Financial Institution. The document I received from Kia Finance XX/XX/XXXX " Notice Of Our Plan To Sell Property '' clearly states This is an attempt to collect a debt. Any information obtained will be used for all purposes. This is a clear violation of my rights pursuant to the FDCPA. I am also confused as to the false and misleading correspondence Kia has sent me with the terms Money Amount Owe that evidenced the actions of a Debt Collector. Is Kia Finance a Financial Institution or are they in the business of collecting Debts?
Kia Finance has claimed I have broken promises in our agreement but has failed to disclose specifics as to how I have broken Any alleged promises made, nor have they responded to any of my written correspondents via registered and certified mails, demanding Kia Finance to provide me the way to pay them monies owed. Gold, Silver, coffee beans, legal tender, or the form of currency they are demanding PAYMENT.
Apparently Kia Finance was acting above the law or just ignorant to them but ignorance of the law is no excuse. We the People were made private bankers according to the law with the authority to issue notes to discharge lawful debts. This must remain in effect until money and the property is returned to We the People without any encumbrances. XXXX XXXX : Now, there-fore be it. resolved by the Sensate and the House of Representatives of the United States of America in Congress assembled, That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy : and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, hereafter or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, Shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' XXXX 's XXXX XXXX, XXXX page XXXX, defines " Banking '' : " The business of banking, as defined by law and custom, consists in the issue of notes .... Intent to circulate as money ....
And defines a " XXXX 's '' Note '' as : " A commercial instrument resembling a bank note in every particular except that is given by a private banker or unincorporated banking institution. '' LEGAL TENDER DEFINED : Legal Tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) : The referenced Official Comment notes that the definition of money is not limited to legal tender under U.C.C. The test adopted is that of action of the government, whether by authorization before issue or adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view is limited to, legal tender is rejected. '' in light of the holding of [ XXXX Bank XXXX vs. XXXX, XXXX XXXX XXXX ( XXXX ) ] a Federal XXXX XXXX XXXX XXXX ruled on Title XXXX XXXX XXXX. As of XX/XX/XXXX, XXXX XXXX for discharge is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt is against Public Policy, since legal tender was not loaned [ nor in circulation ] A payment or repayment is to be made in equivalent kind ; A negotiable instrument which I have not once received from Kia Finance America.
Despite all my efforts to resolve these claims, Kia Finance 's negligence and failure to provide the correct way to resolve the issue at hand left me without my property. Kia Finance has seized and deprived me of my private property : XXXX XXXX XXXX by taking possession without prior notice and has threatened to sell it.
For the record, if Kia Finance America can provide me with the sum certain on the penal funds I have no problem to effect payment.
I am a subject/national of the Republic of Florida as contemplated by the act of Congress evidenced and restated at 8 U.S.C 1101 ( a ) ( 2 ).
I am aware and know that the U.S bankruptcy is verified in the Senate report no. XXXX XXXX. XXXX, first session ( XXXX ), summary of emergency power statues, XXXX orders XXXX, XXXX, XXXX, and by XXXX order XXXX on XX/XX/XXXX under the Trading with the XXXX Act ( Sixty-Fifth XXXX, XXXX XXXX, chapters XXXX, XXXX, XX/XX/XXXX, as as further codified at 12 U.S.C. A 95 ( a ) and ( b ) as amended.
I believe under further review Kia Finance America may be in violation of Civil Rico Racketeering Laws 18 U.S.C 1964 as Kia Finance may have established a pattern of Racketeering activity by using mail and other means to collect an unlawful debt.
Lawful Money Exchanges Can Be Found at : 12 U.S.C 412 - U.S Code - Annotated Title 12. Banks and Banking section 412. Application for notes ; collateral required If proven there is a conspiracy to deprive of property without due process is various constitutional injuries under 18 U.S.C. 241. - Knowledge and neglect to prevent a United States Constitutional wrong.
31 U.S.C 5118 ( d ) 2 None can ask for payment in a specific coin.
31 U.S.C. 3123 There is no money, so no one can demand payment.. The United States wil discharge debt dollar for dollar.
I am aware and know that legal tender, ( FEDERAL RESERVE NOTES ) are not good and lawful money of the United States. See Rains, State, 226 S.W. 18 I HEREBY notice that I am the executor of the Cestui Que Vie Trust of XXXX XXXX XXXX according to title 26 section 303 & 7701, companies, corporations, associations and trust are all descendants. This means XXXX XXXX XXXX IS A LEGAL ESTATE. XXXX XXXX XXXX falls into this class. I direct all of the affairs and financial affairs of XXXX XXXX XXXX XXXX
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means.
You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
Violated 15 USC 1692f ( 6 ) ( a ) ; Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property Violated 15 USC 1692f ( 6 ) ( b ) ; Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.
Invasion of Individual and Family Privacy Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
You, KIA MOTOR FINANCE and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under XXXX. I take this lawful action ordering judgement against you. A court of competent jurisdiction can add additional damages if deems necessary.
For your violations, I am assessing a penalty/fine of {$760000.00} to be settled immediately upon receiving this communication, you have 10 days of receipt of this enforcement action to settle this matter. If you do not comply there will be a {$2500.00} additional penalty per day plus interest. You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal.
Respectively XXXX, XXXX, Consumer/Authority/Principal Creditor/Authorized Representative/ Natural Person CONSUMER ENFORCEMENT SETTLEMENT ORDER ( PRE-SUIT ) INVOICE # XXXX DATE : XX/XX/2021 STATEMENT OF DAMAGE VIOLATIONS NOTES FEES 1692c ( a ) ( 1 ) Communication without prior consent.
{$1000.00} 1692e ( 2 ) ( a ) False representation ; {$1000.00} 1692e ( 2 ) ( b ) False representation ; {$1000.00} 1692d ( 2 ) Obscene/profane language accusing me of owing an alleged debt.
{$1000.00} 1692d ( 2 ) Obscene/profane language accusing me of having an account with you.
{$1000.00} 1692e Using false, deceptive or misleading representations {$1000.00} 1692e ( 2 ) ( a ) False representation ; {$1000.00} 1692e ( 2 ) ( b ) False representation {$1000.00} 1692e ( 8 ) Communicating false debt {$1000.00} 1692e ( 9 ) Use/distribution of communication without authorization or approval {$1000.00} 1692e ( 10 ) False deceptive means to collect a debt {$1000.00} 1692f Unfair practices {$1000.00} 1692f ( 1 ) Attempting to collect a debt absent of an agreement between parties.
{$1000.00} 1692f ( 6 ) ( a ) Taking or threatening to take possession of property {$1000.00} 1692f ( 6 ) ( b ) Taking or threatening to take possession of property {$1000.00} 1692c ( c ) Consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication {$1000.00} INVASION OF PRIVACY TRESPASS Invasion of Individual Privacy and Trespassing {$250000.00} IDENTITY THIEF Obtaining personal identification information and creating an account ( SSN, Name, Address ) {$250000.00} ADDITIONAL ASSESED DAMAGES Emotion distress, Defamation of character, other unseen injuries.
{$250000.00} TOTAL {$760.00}, XXXX PAYMENT SETTLEMENT DUE BY XX/XX/2021. AFTERWARDS YOU WILL BE IN DEFAULT. YOU WILL BE ASSESED A PENALTY OF {$2500.00} PER DAY PAST DUE DATE AND IT WILL INCUR INTEREST. YOU AGREE AND STIPULATE TO MY TERMS AND WHATEVER MONETARY COMPENSATION AND REDRESS I ARISE TO.
NOTES *PRIVATE RIGHT OF ACTION *PURSUANT TO 1692K ( a-1 ) ( 2-A ). CIVIL LIABILITY.
*Other Consumer Protection Laws May Apply * {>= $1,000,000} in stipulated cost to initiate private right of action in a court of competent jurisdiction enforcing consumer protections laws.
Compensation Redress Settlement Order.
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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This has been an arduous complaint slow walked by Hyundai stemming back to XX/XX/XXXX 's lease end at XXXX lockdown and allowance periods where I've asked Hyundai to adhere to paragraph 3 of my lease extension contract instead of overinflating their lease-end buyout figures. By failing to deduct all previously made lease payments from the vehicle 's residual value at lease end, and for months after, with expressed repudiation, Hyundai unequivocally refused to perform on the terms outlined in our contract. Today, Hyundai 's Care manager XXXX XXXX informed me Hyundai finally recognizes their errors where I was forced to accept as valid false estimates and to overpay at purchase above and beyond the contracted price. After 3.5 years of stress and hounding, it is now apparent Hyundai worked outside the XXXX contracted terms. Unfortunately, Hyundai still has more clean up work surrounding the damage they've caused me from anticipatory and actual contract breaches and improper credit reporting. Prior to lease end and my XXXX buyout purchase, the dealership where I leased the vehicle went out of business in XXXX. Paragraph 23D of my lease contract states Hyundai shall provide me with another time and place to return the vehicle. Hyundai failed in their duty to provide a time or a place even though both parties confirm we were in communication through this period. Instead, while I was awaiting their ACCURATE research on lease end buyout figures Hyundai, steadfast with their overinflated buyout numbers, repossessed the vehicle. Here, Hyundai wrongfully worked outside the terms of the contract for the lease end return instructions, for the lease end buyouts quotes and for the vehicle purchase using overinflated residual value numbers resulting in repossession and ill-gotten gains. Hyundai never provided a breakdown of my purchase, despite numerous documented requests that went unanswered. I'd been challenging and disputing the figures I'd been given since XX/XX/XXXX. Despite years of direct requests in writing, by email and telephone, correspondence to XXXX XXXX, XXXX and CEO Hyundai Capital America as well as requests thru CFPB complaints, no breakdown ever came until Hyundai was forced to provide it to me in the fall XXXX thru a CFPB complaint. It was here that overcharges outside the terms of the lease were revealed and laid bare. Additional breaches : paragraph XXXX of the vehicle lease agreement states " You have the option to purchase the Vehicle from us at the scheduled lease end term, AS IS, WHERE IS, from us or a party we designate ... '' Without informing me and in breach of my sales contract, Hyundai made material changes to the " as is '' vehicle by dismantling both of my electronic key fobs prior to purchase. I was sold a vehicle without knowing my 2 keys were no longer operational ( {$610.00} in lost value ). And as only discovered thru CFPB complaints in fall of XXXX and also without ever informing me, Hyundai placed an additional {$300.00} charge to my account post-sale for 1 working key. Records confirm this {$300.00} post-sale charge was posted to my account XX/XX/XXXX. I have since learned this fee appears as charge-offs on my XXXX credit report for XX/XX/XXXX and XX/XX/XXXX and to other credit reporting agencies as well. Hyundai acknowledges I had paid off the vehicle months prior ( overpaid actually ) yet never received any information, invoices for payment due or past due or notification of possible negative credit reporting from Hyundai. It wasn't until XX/XX/XXXX - after 2 years worth of letters demanding explanation about the negative credit reporting that Hyundai explained the fee to me. This is the most basic of consumer right violations under the Fair Credit Reporting Act and it needs correcting immediately. Since XX/XX/XXXX, I've asked repeatedly for an explanation for post-sale charge off reporting in written correspondence to Hyundai directly, to all 3 credit reporting agencies and thru the CFPB. Hyundai repeatedly replied without explanation that there are no errors. On XX/XX/XXXX, I asked Hyundai Care Specialist XXXX XXXX how Hyundai could sell me a car with 2 nonworking keys ( at a price over and above the terms of my contract ) and then turnaround and charge for 1 more without ever informing me, the consumer? XXXX refused to provide complete answers here. To reiterate : Hyundai, through multiple contract breaches, failed in their obligation to provide me with a time or place to return the vehicle at lease end after informing them the dealership was no longer. They then over-inflated the lease end buyout quote creating an immediate anticipatory breach to the terms of our contract, which resulted in the repossession of the vehicle as I waited on their fair dealings and accurate buyout research. The subsequent actual breach of contract occurred when they overcharged me at purchase. Later they added the unknown key charge showing as an unpaid balance on my account ; an amount much less than Hyundai 's ill-gotten overcharge. If Hyundai or their lawyers ever took the time to research MY COMPLAINT and ENTIRE ACCOUNT in earnest, by XXXX they would have recognized the net difference affirms I am owed for Hyundai 's over inflated charges and as a result of those overcharges simply math proves I owe nothing further and that negative crediting reporting should have never occurred. Proper research of my lease extension payment history in the Spring of XXXX when I suspected my buyout estimates were wrong would have avoided ALL SUBSEQUENT DAMAGES TO ME AND MY CREDIT SCORES. Unearthed investigations now reveal Hyundai was willful and reckless in their credit reporting and research to me, to the CFPB and to the credit bureaus. These violations have been ignored FOR YEARS and carry steep penalties for both Hyundai and for the credit bureaus they report to. Hyundai 's failure to inform me of any material " as is '' changes to the vehicle at purchase and their failure to serve proper notice for any additional ( bogus ) balances due on a " paid in full '' account created harmful negative credit reporting and only add to the 3.5 years of deceptive business practices I've had to endure.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Below is the exact dispute I submitted to Hyundai Motor Finance with personal information removed.
Dear Hyundai Credit Department, I am writing you to file a dispute against the current historical record of my account related to a XXXX XXXX XXXX XXXX. The account number is question is ( removed ). This vehicle was in a collision and totaled in XXXX of XXXX. I took the proper steps in filing an insurance claim and having them choose to Total Loss the vehicle. They provided a check to your company which remained un-deposited by your team until it was voided a year later. No one from Hyundai Finance reached out directly to me or the insurance company regarding any issues with the payoff. To the contrary, when I received a bill the following month, I contacted Hyundai Motor Finance for clarification. I was told the check was received and that my account was paid in full.
Fast forward 15 months and I see that my credit score has plummeted. When I began to investigate this issue I found that Hyundai Motor Finance had never closed my account and was reporting that I was no longer making payments to the credit reporting companies. I filed multiple disputed through XXXX, XXXX, and XXXX providing documentation that I had done correctly on my end and that Hyundai Motor Finance was at fault. I contacted my insurance company and they were able to send a 2nd check which was deposited on XXXXXXXX
As is stands now, the disputes I started were completed and nothing was done to rectify and correct the history of payments your company falsely reported. It is as if the information I provided did nothing. I am filing this direct dispute in an attempt to have my record corrected and prove that I am not responsible for the current history of Charge-Offs and Late Payments Hyundai Motor Finance has been reporting for the previous 16 months.
Inclosed you will find the following documentation.
-A letter from Hyundai Motor Finance I received on XXXX stating that the final payment on the account was received on XXXX and that the account has been closed.
-An e-mail from the insurance company stating the check was mailed and never cashed. This email is from when I first found out about the issue at hand.
-A draft copy of the original check submitted and emailed to Hyundai Motor Finance XXXX including payoff amount, date posted, date of claim, and Hyundai Account Number. There is also a request for contact if there are any issues with the draft.
-Email including claim number and insurance adjuster information for vehicle and account in question.
XXXXA copy of the vehicles title which was sent to XXXX XXXX and signed and dated on XXXXXXXX by an Authorized Hyundai Motor Finance Agent.
-A partial print out of my payment records from the months leading up to the collision. It shows that our payments were set to auto-draft 2 day before the payment is due. The last payment applied shows XXXXXXXX followed by a Refund on XXXX of {$560.00}. There is also a {$0.00} principal balance shown for the same month. As auto draft was set up any pending payment would automatically be submitted and should have never missed to begin with.
Information that is not included but I have verified through multiple conversations with Hyundai Motor Finance XXXXA 2nd title was sent to XXXX XXXX after the 2nd check was received and deposited.
When calling Hyundai Motor Finance it claims my account is paid in full. This has always been the case but now includes that it was closed as of XXXXXXXX
I am unable to access my account online to print my account history.
-As of XXXX Hyundai Capital America was court ordered by the Consumer Financial Protection Bureau, under filling number XXXX, to pay {$19.00} XXXX XXXX in settlements for knowingly furnishing inaccurate and negative information to credit companies between the years XXXX. While this issue falls outside the years stated in the filling it does bring into question the possibility of continual poor business practices that may or may not have been corrected.
I am requesting that ALL negative associations filed against my account be completely wiped from its history and that the account, going forward, will remain paid in full with no missed or late payments. It currently states Paid in Full, Charged Off. As this was no fault of my own, I want it removed. If there are any questions fill free to contact me directly at any time as no information has been provided or is available that would allow me to contact you over the phone.
Sincerely, XXXX XXXX XXXXUPDATE* Above is the original dispute filing. This dispute was printed and mailed on XX/XX/XXXX by certified mail. After contacting USPS informed that the package was delivered and signed for on XX/XX/XXXXXXXX XXXX XXXX I waited the allowed month for the dispute to be resolved including an additional week to allow for return shipping. When I had received no contact as of XX/XX/XXXX, I reached out by phone for answers. I was able to speak to a lady by the name of XXXX XXXX. I informed her of the situation and she was able to provide me with an update. Hyundai Motor Finance received the dispute on XX/XX/XXXXXXXX and had made notations on XX/XX/XXXX that the account should be corrected.
As of the phone call on XX/XX/XXXX, no corrections had been mad. She then proceeded to file another internal dispute on the backend of there system. Admitting the error was Hyundai Motor Finances fault that a backend report should sort things out.
XXXX emailed me a letter ( included as a separate file ) that the account will reflect the paid in full date to effectively be changed to XX/XX/XXXXXXXX XXXX XXXX I waited another month and still no changes. I reached out on XX/XX/XXXX for answers. I was informed since I had called on XX/XX/XXXX that they are allowed another 30 days to resolve the dispute.
Over the course of this process, I had at multiple times requested a call back from a supervisor. I never received one. As of this update, XX/XX/XXXXXXXX XXXX XXXX no corrections to my account have been made nor have I spoken to anyone in higher management.
|
| 05/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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I am writing to dispute the inclusion in my credit reports of a charge off of a debt to Hyundai Motor Finance ( HMF ). The background and basis of my dispute are as follows : We returned the leased vehicle at issue to a Hyundai dealership at the expiration of the lease term, in XXXX or XXXX of XXXX. We thereafter received an end of term bill from HMF in the amount of about {$760.00}, I believe, for personal property taxes on the vehicle, despite our having paid all bills to that point.
I immediately contacted HMF to inquire into this bill, questioning why we were being charged for expenses not incurred until after the return of the vehicle and expiration of the lease. HMF representatives on this phone call informed me they would look into this matter and get back to me.
I thereafter received another notice of this bill, this time in the amount of {$400.00}, dated XXXX XXXX XXXX. I again telephoned HMF ( on XXXX XXXX XXXX ) and spoke to XXXX, who advised me to turn in the vehicle plates, which had apparently not been done, and I had not been advised to do. I returned the plates on Friday, XXXX XXXX XXXX
I then called HMF again on Monday, XXXX XXXX, XXXX and spoke to a XXXX XXXX, who informed me HMF needed to send this information to the property tax people and file an abatement, a process that would take 6-8 weeks. He further told me to disregard any further statements I received until I heard back from HMF.
To the best of my recollection, this issue then remained dormant and appeared to me to be resolved until XXXX of XXXX, when I received yet another bill, this time from XXXX XXXX XXXX, a collection agency to which HMF had forwarded the account without prior notification to me. The amount of this XXXX XXXX, XXXX collection notice was again {$400.00}.
So, I once again called HMF and spoke to a series of individuals, some wholly uninformed, others more willing to assist. Eventually I was able to speak to XXXX on XXXX XXXX XXXX who told me, again, that HMF needed to review and check back on the status of the request for a tax abatement based on dates of the lease and the relevant tax period and, once again, to ignore further notices from XXXX or HMF till this review was finished and HMF contacted me again with word of the final amount owed, or a full abatement of the amount.
I did as instructed and ignored the one other Settlement Offer I remember receiving from XXXX, dated XXXX XXXX XXXX again in the total amount of {$400.00}. Again, as far as I could tell, this issue was resolved, and I never heard from HMF or from XXXX again.
However, in applying for a small loan to finance a new furnace in XXXX XXXX I learned that this debt had been reported to the credit agencies as charged off in the amount of {$260.00}. This was news - and an unpleasant surprise - to me. So, I once again called HMF on XXXX XXXX XXXX, to inquire into what had happened here. I spoke to XXXX, who told me his review of the account indicated an abatement had in fact been granted, and he didnt know why a charge off had been submitted or how much ( if anything ) might still be owed, but would look into it.
Because of the negative credit impact and the immediate need for the financing for the furnace, I decided to pay off this amount of {$260.00} on XXXX XXXX XXXX I did this over the phone with XXXX, who told me to check back in a week and see if there was news about the abatement which, if it had been granted in full, might result in a refund to me of the money I had just paid.
So, I called back on XXXX XXXX XXXX, and spoke to an individual whose name I asked but didnt quite catch, who told me it looked like there had been an abatement granted, but apparently not in the full amount. He had no further advice or information, except to give me the address to send a credit dispute to.
I sent same, and this resulted merely in HMF sending the credit reporting agencies a notice that I had paid off the amount owed in XX/XX/XXXX, but not doing anything about the original charge off, and which showed over 2 years of " late payments '' I knew nothing about.
In XX/XX/XXXX, my wife and I applied for a mortgage to purchase a home and discovered this faulty credit reporting was adversely impacting that effort as well, resulting in far worse terms than would otherwise have been available.
This instigated a new spate of phone calls from me to HMF, between XXXX and XX/XX/XXXX, wherein I spoke to numerous individuals, all seemingly incapable of helping in any substantive way, but informing me that the 'escalation department ' would pull the old phone calls referred to above to confirm that I was actually told not to pay bills until I heard back from HMF while the abatement process played out.
Today I received final word - after calling them once again - that the 'care team would not be overturning the charge off. ' At this juncture I dispute that this was a debt that was past due by 2+ years, as reported by HMF and shown on my credit reports. Rather, it was a genuine dispute over the debt and an ongoing discussion over the proper result, and all reports from HMF should so reflect.
I emphasize that at no time did any representative of HMF contact me to inform me or inform me when I contacted them that the abatement process was complete and the amount owed was definite and due. I was told only and repeatedly - to await further word, until finally the debt was sent to collection and the credit agencies, without anyone at HMF notifying me of same. In fact, only twice during the entire 3 and a half years between the return of the vehicle and today has HMF ever contacted me via any other method than a mailed bill or mailed collection notice, despite the innumerable phone calls I have placed and the many assurances that HMF would be looking into it and getting back to me with information about the abatement. ( Both times I received a call ( from XXXX ) they left no voicemail ( despite claiming they had ), and nobody at the number ever answers return calls, despite multiple hours I have waited on hold for same. )
|
| 10/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
|
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Dear Sir or Madam, 1. XXXX XXXX Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 90 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with HYUNDAI FINC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Debt was already Paid to Kia at the time of signing with a negotiable instrument which was a promissory note.
1. There is proof because the law legally states Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you Kia Motor are in violation as I never gave you my information directly ; 2. I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; 3. Take Notice, that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you Kia Motor used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; 4. Take further notice that when Kia Motor committed fraud when they created an account on my behalf; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount, so this means that Ive been credited. As a consumer with open ended credit, I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I am not giving you permission to cancel the terms of service and I will not be paying this alleged debt nor any future alleged debts.
5. You Kia Motor shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; 6. Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; 7. You Kia Motor are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I, a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 8. You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you Kia Motor is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ; 10. I hereby Demand! That you Kia Motor cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; 11. Take further notice that your failure to follow these laws will result in me invoking specified remedies Pursuant to 15 U.S. Code 1692c ( 3 ).
You have 10 days from the receipt of this notice to cease & desist all communication. I may seek damages Pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) ( b ) ( 1 ) ( 2 ) ( d ).
TERMS DEFINED PURSUANT TO 15 U.S. CODE 1692a 1. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
2. The term consumer means any natural person obligated or allegedly obligated to pay any debt.
3. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
4. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
5. The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
6. The term location information means a consumers place of abode and his telephone number at such place, or his place of employment.
|
| 07/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
We leased a Kia XXXX in XX/XX/XXXX with Kia Finance. In XX/XX/XXXX, something fell off a truck in front of the car as we were turning left at a traffic light. The car was declared a total loss by our insurance company, XXXX. The insurance company paid ~ {$5700.00} dollars above the lease payoff quote. XXXX gave us 7 additional days of car rental for us to find another vehicle. We loved the car and wanted to lease the same car again. We checked multiple dealerships and we found exactly XXXX XXXX XXXX XXXX in the surrounding error which happened to be an almost identical car in white. We were hoping that the dealership would be able to work with Kia Finance to get the excess payment rolled into our new lease, but they said they couldn't do anything yet as they were waiting on the payment from our insurance company. At this point, the XXXX models are coming out in the next month, so the car was new but last year 's model. Without the equity and downpayment from our first lease and a slightly higher lease rate, we ended up agreeing to lease the car for {$65.00} more per month than our previous lease on an identical car that was totaled. They had us over a barrel really, as they knew that there were no other XXXX XXXX around. We agreed to the deal because we needed to have a car and we fully expected to be receiving the {$5700.00} overpayment they received from our insurance company. Several weeks went by and we had not heard anything from Kia nor had we received any money from them. Over the next weeks we spoke with various persons at Kia over the phone and via their contact us email. Our requests were pretty straightforward forward - we wanted a detailed explanation of how the proceeds from the insurance company were applied and to find out when we would receive the excess funds. We were transferred around from place to place and got nowhere. No one seemed to understand the request... Then we finally received a check from Kia for XXXX cents 3 weeks after they received the funds.. We contacted them again a couple of times over the phone and via their contact us email on their website. After approximately 10 days ( end of XX/XX/XXXX ), we received a check for XXXX with no explanation.. We reached out to them and said thank you for the partial refund, we would like the rest of the refund and a detailed explanation of how the proceeds were applied.. In the meantime, we reached out to XXXX XXXX XXXX to confirm that our new car had been registered by the dealership as they were supposed to take care of all the paperwork and we didn't need to do anything. What we found out is that neither dealership had updated the city about the new vehicles so they still had our XXXX registered that was traded in XX/XX/XXXX. We contacted the dealership where we leased the replacement car and they did actually follow-up with the City and straighten everything out. However, when they did this it generated {$800.00} property tax bill on the totaled car that was sent to Kia. Kia dispite having sent us something that our old account was closed with a XXXX balance ( the completely ignored the overpayment ), started sending us bills for XXXX and we would respond in writing that they should deduct the {$800.00} from what they owed us and send us a refund of the remaining amount. They received to certified letters from us one in XX/XX/XXXX and the 2nd in XX/XX/XXXX. After the 2nd letter, we received a short paragraph from their Customer Care Department that thanked us for being loyal customers and no further refund was due without any further explanation. Apparently, they don't feel the need to account {$2700.00} in extra funds they received in excess of the Payoff Amount for the lease. They turned the {$800.00} over to a collection agency, but we provided the agency with notice that the amount was disputed and provided them the highlights of the dispute and we never heard from them again. We reached out to an attorney and he send 3 separate demand letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which were all completely ignored except for the 2nd recipient on the 2nd letter did send email to the attorney that they had nothing to do with Kia Finance. After the 3rd letter from the attorney, Kia did report that our account was 60 days past due. This caused our credit score to spiral downward and resulted in decreases in our credit limits and increases in our interest rates since XXXX of XXXX. The attorney suggested that we take them to small claims court and request treble damages for their willful neglect and intentional harm. Our lease states that we should go to arbitration, but that costs money. The amount that they still owe us is approximately the amount of our trade-in equity, our cash downpayment, and the extra amount that we received from the insurance company as a positive condition adjustment. We haven't done anything about small claims court or arbitration. We were hoping we could find an attorney to handle the arbitration thru my XXXX XXXX XXXX, but so far we have not found an attorney willing to assist us. The attorney who sent the demand letters says that he can't do anything further to assist us. We won't ever lease another car from Kia Finance, but they have effectively stolen money, refused to even discuss the matter and the damage they have done to our credit has already cost us a lot of money and will continue to do so for the coming years. When our lease is up in XX/XX/XXXX, we probably will not be able to afford a new car with our credit score down XXXX points since they reported us 60 days late back in XX/XX/XXXX. From what I know of the Hyundai case, it seems that we are being treated in a similar fashion by the sister company Kia Finance. I am hoping that CFPB can do something to help us and also to protect others from the damages caused by Kia Finance.
|
| 11/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
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On Tuesday XX/XX/XXXX at approximately XXXX My vehicle a XXXX XXXX XXXX was illegally repossessed by the finance company, Hyundai Finance Company . I had not received any prior notifications that my account with them was delinquent and had no reason to believe such because I had been keeping regular payments and received no notice from the company that there was a problem. All submitted payments were accepted and sent in the form of a personal check. I was in possession of this vehicle for approximately 2 years or approximately 20 months, honoring regular monthly payments of {$410.00} per month and an additional {$270.00} in Full Coverage Car Insurance, without any problems or serious delinquencies on my account. When I realized the car was taken from the driveway, I immediately called the police to report it stolen which I had every reason to believe it was. It was then that they informed me the car had been repossessed by the company and there was nothing they could do. I signed no papers consenting to this repossession and no one came to my door at the time to inform me this was taking place.The next day, XX/XX/XXXX I called the finance company and spoke with a representative of Hyundai Finance and she informed me that I was, according to their records " behind in payments '' and that they had to collect their property. I told the representative that my records show no contact from them and I had not received any notice that the account was delinquent nonetheless in collections. I tried to argue my points but the representative was rude and interrupted me several times. Finally I asked her was there a way for me to pay the arguable delinquent amount and she stated that I would " have to pay the entire balance due on the vehicle ... '' to get it back in my possession. The amount owed on the vehicle she said was way in excess of {$14000.00} I was willing to pay them the delinquent amount owed to receive my vehicle, not knowing it was their policy to request full payment in cases like this so I had no choice but to decline and accept my loss. I contacted the recovery company, XXXX XXXX, to make arrangements to retrieve my personal property from the vehicle and the next day, Thursday XX/XX/XXXX I went to the company, paid an additional {$74.00} retrieval fee to them and got my property.
On Tuesday XX/XX/XXXX I received in the mail a letter from Hyundai Finance Company titled " notice of our plan to sell property '' in which it stated they have my vehicle because I " broke the promise '' of their agreement, and that they will sell my car after XX/XX/XXXX and if I wanted to reclaim the vehicle I would have to pay the entire balance due on the vehicle. Initially they said it was approximately {$14000.00} due. I called the number given on the letter and talked to a representative by the name of " XXXX '' I again stated to him that I had never received any balance statements, payment receipts delinquency notices or any communication from Hyundai Finance in regards to this car and that this letter was in fact the first written communication I had receive from them. He said they had not record of my address and could not find the car. He went on to say that the finance company had been looking for the car since XXXX of XXXX! and sent notice to my former address in XXXX XXXX. ( I had recently moved to XXXX from XXXX XXXX in XXXX of XXXX ) I never received such notice and have all of my mail forwarded to this new address. Nonetheless the payments I was sending in were being honored and cashed. The car is equipped with a theft deterrent G.P.S System and when I would send in payments they were in a self addressed envelope with the new address not to mention my phone number and email had not changed at all so I do not understand why I was never contacted and made aware that there was an issue with my account to warrant them to repossess. Furthermore it confuses me that their claim to be looking for the vehicle since XXXX is invalid. I lived in XXXX XXXX all my life and within the first 2 years of having the car, I stayed at the exact same address that they financed the car with and did not leave the State until XXXX, XXXX. They claim to not be able to locate me however they knew I was currently living in XXXX and came to my current address to retrieve the car.
I am XXXX years old, That car was my only means of transportation not to mention personal independence as I am currently living off of Social Security and have no extra means of income. I live with my Son in XXXX because it was all I could afford to maintain my lifestyle and provide me a way to and from my scheduled Doctor 's appointments and access to my family. I moved here because the cost of living in XXXX proved to be too much for my income to handle and all I could allow myself was a reliable means of transportation with the XXXX XXXX XXXX. I am asking for your assistance in helping me in this matter in whichever way possible and to the extent allowable by Law and my rights as a citizen and consumer. This situation has created noticeable and serious stress in my health. I feel Hyundai Finance accepted payments from me with no intentions of allowing me to complete the long term purchase agreement and negligently handled my account to make it seem as if I breached the agreement. I can provide proof of payments and records to show I did honor the agreement and ask they show proof of initiating contact and informing me of their legal right to seize my property as warranted through their company 's policy. I furthermore request that all payments be awarded back to me for the time of possession of the vehicle including insurance and maintenance costs and that I be excluded from any further payments owed to the company after or before the sale of the vehicle by auction.
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| 02/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Re : Kia Motor Finance Account XXXX My name is XXXX XXXX. My husband and I opened an account with Kia Motor Finance on XX/XX/XXXX. The account has been in excellent standing since its inception. We additionally have an account with Hyundai Motor Finance under my husband and sons name since XX/XX/XXXX that is equally in excellent standing. It is my understanding that both financing companies are in fact one entity.
I was laid off on XX/XX/XXXX due to COVID. I had savings intended to be used for a house we wanted to purchase last year and a meager amount of unemployment coming in. I had been successful in paying all my bills on time since my layoff. However, I was starting a new job in the middle of XXXX, my savings was down to scraps and I knew I was losing unemployment on my start date. I did not know if I would have to wait 3 weeks after my start date with my new employer for 1 week or 2 weeks of pay. I decided to request to defer a payment on the Kia so I would not have a late fee, it would not affect my credit and I would remain in excellent standing with all my bills.
On or about XX/XX/XXXX I contacted Kia motor finance. I asked to defer my XX/XX/XXXX payment to the back on my loan. I was advised I was eligible for a deferment. I inquired about a fee and was told it is normally XXXX but t it would be waved due to COVID. The gentleman that processed the deferment advised me to check back in my account in a couple days to verify everything was set up successfully.
In the beginning of XXXX, I signed into my account and saw that it stated my next payment was due on XX/XX/XXXX. I also had an end of term statement dated XX/XX/XXXX. The end of term statement verified I was approved for the deferment/extension. I realized the approval is why I did not receive a bill on XX/XX/XXXX for my XXXX payment. I was grateful.
Fast for ward to today. I received a call on XX/XX/XXXX at XXXX XXXX EST from a representative of Kia Finance named XXXX. She was calling as an attempt to collect a debt. I was immediately concerned as I know my Kia account to 100 % be in good standing and always has been. XXXX advised they did not receive the XX/XX/XXXX payment. I was shocked and shaken. I immediately advised her that that payment was placed on the back of the loan as an extension/deferment. She said no that was for XXXX. I told her that was impossible as the XXXX payment was made. She placed me on hold to review. When she came back, she advised me the extension did not process. I let her know I have the statement from XX/XX/XXXX stating that it was in fact approved.
XXXX advise me that the reason it did not process was my XXXX payment was in suspense and that caused the extension not to process. I advised XXXX that I received an email dated XX/XX/XXXX that states Your payment has been processed. Weve received your payment of {$520.00} on your XXXX XXXX XXXX. Your payment was processed on XXXX. It may take up to 5-7 days for your payment to be reflected in your bank account.
XXXX offered a solution of requesting the late fee be removed by a manager. She also offered to put another deferment on the account. This was unacceptable to me as it does not fix Kias error It also extends the loan another month which causes more interest. XXXX was absolutely unwilling to assist me in this matter. I advised I would be contacting the XXXX and the attorney generals office. She did not care. She stated she would put in a complaint and a manager would call in 24 to 72 business hours ( 3 to 9 days ). I requested a Supervisor multiple times which she ignored and then refused. She then advised me a Supervisor was unavailable to which I replied that I would wait. She ultimately ended the call.
I called back in and got a representative named XXXX XXXX. I asked for a Supervisor but XXXX XXXX she would need to pull up the account. I gave her an overview of the situation and then provided the verifying information on the account. XXXX XXXX solution was to advise me if I made a payment within 30 days of the past due payments due date that it would not go on my credit. I told her I had the payment now but that was not a solution. I shared my concerns that if I made a payment today it would be posted toward my XXXX payment, XXXX payment to XXXX, and so on. It does not solve the situation and Kia Motor Finances error. I advised her that I expected Kia to make this right. I further stated to her I would be contacting the agencies I had stated to XXXX earlier as well as Social media. She did not care.
She told me that she can see multiple suspense codes and a reversal for my XXXX payment. I assured her my payment never bounced and I would get a letter from my bank stating such. She stated she did not believe it bounced because she could not see an NSF fee assessed. However, she could not explain the codes she was seeing. She stated she would have the Customer Assistance team contact me Monday. I provided the best times for me EST and my home number. The call ended at XXXX XXXX. Please note this was 1 hour and 24 minutes of my time wasted. Not to mention trying to calm down, writing this letter, and reaching out to whomever I can get assistance from. My time is valuable, and this was a wasted Saturday with an error on Kia motor finances part.
My expected resolution is for my account to be corrected to accurately reflect the deferred XX/XX/XXXX payment, no late fee assessed and not as a courtesy, etc. it needs to be gone like it never existed. I also require a letter in writing explaining what happened, that my account is and has been in excellent standing, that I have no late fee and no negative reflection on my credit bureau accounts. This is the absolute LEAST that Kia motor finance can do in an attempt to make this right.
Sincerely, XXXX XXXX
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| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Hyundai Motor Finance & BAL. {$2400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. HYUNDAI FINANCE & BAL. {$5700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 11/30/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. KIA MTR FIN & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are v
ery specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/21/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 08/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem extending the lease
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Web |
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Problem is twofold : first with Kia finance/Hyundai . Second with XXXX XXXX XXXX.
First- I leased a XXXX XXXX XXXX. The three year lease ended in XX/XX/XXXX. The company is used when i initially leased ( comfort auto in XXXX ) has since closed. I spoke with a Kia representative directly and was advise that I can extend the lease for six months. And only once the lease ends. I tried extending and I believed the extension was legit and in place. I paid for the lease via monthly auto pay directly from bank to Kia finance for most of the lease time. On XX/XX/XXXX I received a phone call from Kia finance re my lease extension. I advised the rep that I opted to extend the lease and submitted all necessary documents and want the auto pay to continue just as it was set up for the past months, maybe years. The rep put me on hold and came back. She confirmed that all was indeed in place and set up for the extension. She advised that Kia had already taken the payments. She also reassured me that she will ensure that I wont get phone calls about this anymore as all is okay for 6 month extension. I did not check my bank statements. Perhaps I was remiss in not checking, but I never had an issue with my Kia autopay and had no reason to believe that anything changed. Fast forward to XX/XX/XXXX at about XXXX XXXX I received a call from Kia finance ( though called Id read Hyundai ). I was advised that no payments were made since XXXX! I was advised that my vehicle was up for repossession! I was shocked, and I wondered why I wasnt notified until now. The rep advised that she tried calling many times. When I asked why she never left a message she said it was unlawful for her to leave any details i a voicemail. She also advised that she only calls during reg business hours on my home phone. I work during regular business hours and am not home then. I dont know why my cell phone was never called, nor why I never got any notice via email or snail mail. She was not able to advise. Please note that the caller Id reads Hyundai capital and I did not know that Kia is affiliated with Hyundai. Also please note that I did try calling the number off the caller Id back, just because I wondered why I kept seeing missed calls from them. I believe the call did state it was Kia but I was placed on hold for a disrespectfully long time before even speaking with a human and did not end up clarifying who they were and why they were calling me. Chalked it up to robocall or error Back to that XX/XX/XXXX call- I told the Kia rep that I immediately want to rectify the situation and bring my payments up to date. She put me on hold to connect me with the right department. After holding for 20 minutes range our call was cut off. I called right back only to have an automated message advise that their office is closed until Monday XXXX XXXX. Sunday morning at XXXX XXXX my bell rang. Woke me and my young kids. It was company called XXXX XXXX advising that they were here to repossess my car! I looked out my window and sure enough a flatbed tow truck was in XXXX XXXX right beside my car and my car door was open and a guy was sitting i e drivers seat! I dressed and went out to assess and communicate with the guys there. I explained that this was not a case of just skipping payments, and I offered to pay on the spot whatever was owed. They could not take payments. I could not reach Kia finance as they were closed. I begged for the car not to be taken, asked for any recourse, or compassion/understanding. I objected respectfully. They were extremely tough and advised that if I dont cooperate and give them my keys they will take the car forcefully and charge a hefty fee for the key. I surrendered my key. They took my car. Some of my belongings are still in the car. Most I got to take out. Monday XX/XX/XXXX I reached Kia finance. After hours on the phone ( literally and honestly ) I was directed to a manager XXXX. He agreed to review my conversations with Kia as they are recorded. After a few days he determined that despite the fact that I was told all is well and established appropriately for the 6 months extension, nothing changes for me. I can now only get the car back with a buy out with a one time payment of over XXXX XXXX XXXX I worry also about my credit rating very much. That is where I now stand.
May I add a face, so to say, to this story? XXXX XXXX XXXX XXXX in a XXXX on XX/XX/XXXX. I am now a XXXX XXXX of XXXX children. To help me manage in my new life, I got my first drivers license four years ago. This is my first experience with leasing and the company I used closed down during my lease period. I am not savvy with car leasing etc, therefore I check and double checked with Kia that all was well! I set up auto pay so that I know I wont ever be late. ( This was after two slightly late payments early on in the lease ). I never had an issue in all the 3 years of the lease, not with the car company and thankfully not with my driving either! While Kia legitimately did not get the payments as they were due, my only sin was not checking my bank statements. I never had an issue with not reviewing my statements in a timely fashion thus far. I juggle a lot and I aim to juggle well. This situation is so unfortunate and was not due to any ill will on my part. I feel the finance company should have let me know about the missing payments in a more reliable way or at least in another way. I expressed regret as soon as I was advised, and I immediately was forthcoming in getting everything straightened out. I work fewer hours on Friday, that is how I caught the one call I caught.
I thank you for reading this. I ask for understanding please. I included both issues in the description above.
I extend best wishes.
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| 11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR HYUNDAI MOTOR FINANCE THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME.
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers.
XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously.
XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
HYUNDAI MOTOR FINANCE is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that HYUNDAI MOTOR FINANCE is the one responsible for removing this information from my credit report. As it currently stands XXXX nor HYUNDAI MOTOR FINANCE has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by HYUNDAI MOTOR FINANCE and are being reported by XXXX.
Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.
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| 11/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I make monthly payments to XXXX XXXX XXXX. My car was repossessed at the end of XX/XX/XXXX all fees were paid in the amount of XXXX on XX/XX/XXXX including repo fee was paid to reinstate account. I was proactive and reached out to the towing company to be advised on fees and the amount I need to pay to pick up my car. XXXX XXXX XXXX XXXX who repossessed my car advised me to speak with XXXX XXXX XXXX about repossession fee. I spoke with Hyundai about fee they advised me I need to speak with the towing company. I went back and forth with both companies about the fee for several days and even reached out to XXXX who scheduled the tow truck to pick up my vehicle and they advised me to speak with the towing company. After going back and forth for several day i finally spoke with someone at XXXX XXXX XXXX XXXX who took the initiative to speak with the middle company XXXX about my vehicle and finally advised about storage fees which was {$25.00} per day for 10 days and still knew nothing about the repossession fee. Finally the day I was picking my car up the towing company told me the repossession fee is {$370.00} which I paid at the time of pick up and have my receipt. I retrieved my XXXX XXXX XXXX on XX/XX/XXXX. I continued to inquire about a repossession fee after with XXXX XXXX XXXX just to stay on top of things and to prevent another repossession and I was told twice there was no repossession fee at this time. I made payments in XXXX to stay current and up to date. I made a payment of XXXX on XX/XX/XXXX and another payment on XX/XX/XXXX for XXXX. On XX/XX/XXXX when I made my payment I requested a payment extension for XXXX. The rep asked me why I needed an extension and what type of hardship I was going through and I provided this information to the rep who then advised me she submitted the request and that I need to wait 72 hours for the request to be approved. Prior to this I have made other extensions where I know I need to call in before next months due date in order to be approved for an extension. I called XXXX XXXX XXXX on XXXX to confirm if the payment extension request was processed the rep told me the request was processed and approved and my next payment would be XX/XX/XXXX. Based upon experience once a payment arrangement or request is made the calls to obtain a payment cease. I kept receiving calls and spoke with a rep around XX/XX/XXXX I asked him why am I continuing to receive calls if I requested a payment extension and it was approved, he advised the rep I originally spoke with did not submit the payment extension request and I asked why he said he wasn't sure and continued to attempt to collect a debt I asked to speak with a supervisor he told me one wasn't available I then became frustrated asking to speak with a supervisor and he came back on the line and stated he processed the extension again and to wait 72 hours to be approved. I called XXXX XXXX again and was advised again that the payment extension was processed. Now around XX/XX/XXXX I spoke with another rep who called me about XXXX payment I advised he I requested an extension for XXXX that was approved she advised me there was no extension on the account she states there is a balance on the account of XXXX from the repossession fee that I was told I did not have to pay I then requested a supervisor once again and went over my repossession process. The supervisor stated the balance on the account is from the repossession fee. He then stated he has to reach out to customer service to get the funds allocated to go towards the repo fee and that it would take 3 to 5 business days. I called in early XXXX to be advised if the funds were allocated for the repo fee. Another rep tells me a completely different story now stating I owe {$800.00} and that my payment from XX/XX/XXXX was reversed for late fees. I stayed on the phone for nearly 2 hours trying to get this issue resolved at this time I am now speaking to collections who placed me on excessive holds to speak with customer service about my account. The last rep I spoke with advised XXXX extension went towards a past due balance in XXXX I advised the rep per my bank I don't have any returned payments. I requested a supervisor who advised me I am unable to speak with customer service because of the balance on the account and in no way tried to resolve my issue. every supervisor I spoke to has misinformed me about the balance and information on my account and several reps have misinformed me as well. I spoke with someone today XX/XX/XXXX and went over the entire issue again he advised me the payment I made XX/XX/XXXX was reversed and applied to late fees on my account. I advised the rep funds were reversed without my consent and I am not paying for the balance from XXXX and I made an arrangement to pay XXXX payment on XX/XX/XXXX I advised I will not pay XXXX until my issue is resolved. I requested to speak to a supervisor who then advised me of new information stating I have unpaid late fees from XXXX and it was put back into the loan and My XXXX extension went towards the late fees that were put back from my repossession .It is XX/XX/XXXX and i'm finally getting clear information about the balance on my account a month and a half later while I am in between jobs. If a rep would have told me in XXXX the extension was not valid I would have made a payment now its XXXX and I am 40 days past due because XXXX XXXX XXXX employees and supervisors failed to provide the accurate information about my account. I don't think I am being treated fair and I don't think I should have to pay for XXXX at this point. I need my issue resolved immediately.
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| 12/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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On XX/XX/2020, my husband and I traded in our XXXX XXXX XXXX XXXX, which was financed through Hyundai Motor Finance. The XXXX had an extended warranty that we had purchased along with the vehicle in XXXX of the previous year. On XX/XX/2020, I contacted the dealership, XXXX XXXX XXXX XXXX, to inquire about how we would receive a refund for this extended warranty. I was sent the required paperwork, filled it out and returned it on the same day. I was informed at that time that the refund would take approximately 60-90 days to reach us.
After 90 days had come and gone, I first called the issuer of the warranty to inquire about the status of the refund. They informed me that they had sent the refund to Hyundai Motor Finance at the beginning of XXXX, before I had ever even requested it. I then called the dealership back to ask if they had any information for me regarding the refund. They informed me that the refund would be issued by Hyundai Motor Finance directly, and that I would need to contact them to discuss the matter.
Before contacting Hyundai Motor Finance directly, I first logged into our account on their website and could see that there was a pending credit in the amount of {$3100.00} that began pending on XX/XX/2020. I then called Hyundai Motor Finance to inquire about this. The first call that I made regarding this refund was on XX/XX/2020. On this day, the first person I spoke with told me that an attempt to refund the money via direct deposit had been made, but that there was a problem with our bank. She told me to call my bank and see what the issue was and to call back once that issue had been resolved. I did this and called them back within the hour to make them aware that the issue had been resolved. I was informed by the person on the second phone call that the refund would be issued to our bank within 2-3 business days. I was satisfied with that.
After that time had passed, and there was still no deposit into our bank from Hyundai Motor Finance, I called again to try and understand what the hold up was. This call was made on XX/XX/2020. On this call, I was informed that the first two people I had spoken with were incorrect and that they do not issue refund by direct deposit. The person I spoke with on this call informed me that there had been 2 emails sent to the payment processing department already, and that he was sending another regarding my issue. He told me to call back in 2-3 business days. I asked to speak with a supervisor and was informed that I was more than welcome to, but they could do nothing more for me than he did. I spoke with a supervisor anyway, and they informed me they were sending yet another email to payment processing.
I called again on XX/XX/2020 and received the same responses : " I don't know what is taking so long. '' " There is no reason this should be taking so long. '' " We are sending an email to payment processing. '' There had, to date, been not one response from payment processing regarding the issue.
I called again on XX/XX/2020. Again, I was met with the same responses. I again asked to speak with a supervisor. This supervisor informed me that there had still been no response from payment processing and she would send an email to them herself. She also informed me that not only is there a pending refund of {$3100.00} that has been with them since XX/XX/2020, but also, another refund in the amount of {$24.00} that has been with them since XXXX of 2020 that has also not been paid out. She sent an email to her higher up regarding this issue. She told me that it would be up to 5 business days until she received a response from payment processing, but to call back the next day anyway to see if any of the previous emails had been responded to.
XX/XX/2020, I called, as instructed to try and get an update. The first person I spoke with told me that there has still been no response and no check number has been issued whatsoever in either amount. I asked if there was someone that I could speak with to issue a complaint. She transferred me to a supervisor. The supervisor at first informed me of the same thing. That nothing has changed. He then placed me on a brief hold to go through the account notes and told me that in the approximately 2 minutes that I was on hold, he had emailed and received a response from payment processing. He said they issued a check number yesterday ( XX/XX/2020 ) and that it was in an envelope, ready to send out. I asked him why the first person was unable to see this in my account, and why he wasn't able to see it when he looked the first time, either. He informed me that he didn't see it because he had to " dig ''. He could not give me a straight answer on when it would be mailed, or when we could expect to receive it. Instead, he told me to call back on Monday or Tuesday for another status report. I do not believe that the check has been issued, nor do I believe it is ready to mail.
No other person had gotten a response from payment processing from XX/XX/2020 up until today XXXX XX/XX/2020 XXXX, but he was somehow able to get one in such a short amount of time. Every person I have spoken with at Hyundai Motor Finance has informed me that the payment processing department does not have phones, and there is no way to contact them other than by email, and it takes them a minimum of 2 days to respond.
If this matter is in fact resolved before a response to this complaint, I would be happy to mark it as such, but I do want this out there, because they are a huge company and it would be ignorant of me to believe that we are the only people something like this has happened to.
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| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I am formally disputing a charge-off that has been reported on my XXXX credit report, associated with Account Number : XXXX. The charge-off in question was placed by Hyundai Motor Finance ( HMF ) in the amount of {$3800.00} or specifically as a remaining balance of {$3800.00}.
I am deeply concerned about the accuracy of this information as it inaccurately portrays my payment history and financial responsibility. I demand that this matter be immediately investigated and this inaccurate, false, and incorrect Charge-off is immediately removed from my credit report placed by Hyundai Motor Finance ( HMF ) in the amount of {$3800.00} or specifically as a remaining balance of {$3800.00}.
I would like to emphatically state that at no point in time has the aforementioned account ever been late. This account was originally established as a 72-month installment account, and I have consistently maintained timely payments for the entirety of its duration. My payment history is impeccable, and I have neither missed nor delayed a single payment. Further, Hyundai Motor Finance ( HMF ) didn't report any missed payments or late payments before the account was inaccurately charged off.
Under the 72-month installment loan, a payment of {$2900.00} was made in XXXX of XXXX, with the intention of adhering to the regular monthly payments of {$580.00} for the remaining term of the loan. This was in line with my consistent payment pattern, which has been characterized by diligence and punctuality.
Upon reviewing communications and responses from Hyundai Motor Finance ( HMF ) to my concerns, I identified several discrepancies that require clarification. I am gravely concerned about the accuracy of the reported balance and the potential negative impact on my credit history. I therefore request your immediate attention to rectify this erroneous situation.
It is important to reiterate that I have never missed a payment and have meticulously adhered to the payment schedule as outlined in the original agreement. Moreover, I have expressed concerns regarding the handling of insurance proceeds stemming from the unfortunate loss of my vehicle. As such, I kindly implore you to address these concerns and furnish me with a comprehensive breakdown of the calculations that have culminated in the reported remaining balance on my account.
I earnestly urge you to take prompt action in updating my credit reports to accurately reflect the details of my payment history. The discrepancies presented are disconcerting, especially given my consistent record of responsible financial conduct. In Hyundai Motor Finance ( HMF ) correspondence to me, they mentioned that a settlement payment of {$23000.00} was received from XXXX XXXX on XX/XX/, which was subsequently applied to my account balance. Additionally, they noted refunds for ancillary product cancellations and other account credits totaling {$3500.00}, resulting in a balance of {$3800.00}. I have yet to receive comprehensive information regarding these transactions, and I am concerned that they may have been inaccurately calculated or applied.
As a payment of {$2900.00} was applied in XXXX of XXXX. This would continue regular monthly payments of {$580.00} for the remaining term of the loan and bring the next loan payment due in XXXX of XXXX on the scheduled due date in the terms of the 72-monthly installments.
It was surprising to learn that my insurance company, XXXX XXXX, profited from the sale of my totaled vehicle without my knowledge or consent. In the event that a profit was indeed realized, I would naturally expect it to be duly applied to the remaining balance of my account. While I acknowledge your lack of affiliation with XXXX XXXX and thus your potential lack of insight into the details of their actions, I consider it essential to gain an understanding of the utilization of the proceeds from the vehicle sale.
In light of the aforementioned, I formally request the following information : A comprehensive and detailed breakdown of all transactions that have been applied to my account since the payment made in XXXX of XXXX. This should encompass the settlement payment received from XXXX XXXX, any refunds, and all other relevant credits.
An exhaustive explanation of the methodology employed in calculating the remaining balance of {$3800.00} subsequent to the application of the aforementioned transactions.
Any documentation pertaining to the sale of my totaled vehicle by XXXX XXXX, including any profits that may have arisen from said sale.
Complete payment history with a comprehensive and detailed breakdown of any late or missing payments to support the Charge-off placed on my account.
Moreover, in compliance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, I beseech you to promptly amend my credit reports to reflect any necessary corrections based on the results of your thorough review. I am deeply invested in ensuring that my credit history accurately reflects my impeccable payment track record and overall financial standing.
I demand the immediate removal of this Charge-off for being reported as inaccurate, false, and incorrect.
I greatly appreciate your prompt attention to this matter and eagerly anticipate a timely response. In accordance with the FCRA, I kindly request that the requested information be furnished within 30 days from the date of this letter.
Thank you in advance for your unwavering commitment to resolving this dispute and rectifying the inaccuracies that have emerged. I look forward to a swift and effective resolution.
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| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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HYUNDAI CAPITAL / KIA MOTORS FINANCE / XXXX My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HYUNDAI CAPITAL / KIA MOTORS FINANCE , for committing identity theft. I have never given HYUNDAI CAPITAL / KIA MOTORS FINANCE, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with HYUNDAI CAPITAL / KIA MOTORS FINANCE and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of 8/3/2022, I have not received any documentary evidence, such as a trilateral contract, giving HYUNDAI CAPITAL / KIA MOTORS FINANCE any right to collect on this alleged debt.
I have never received any documentation requesting validation from HYUNDAI CAPITAL / KIA MOTORS FINANCE, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HYUNDAI CAPITAL / KIA MOTORS FINANCE, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HYUNDAI CAPITAL / KIA MOTORS FINANCE, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HYUNDAI CAPITAL / KIA MOTORS FINANCE, continues its collection efforts, I will file for litigation for actual damages caused and HYUNDAI CAPITAL / KIA MOTORS FINANCE, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.
The definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.
The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).
Referring to the IRS Publication, Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ), Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies. '' Pursuant to 26 U.S. Code 61 ( a ) ( 11 ) - Gross income defined Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : Income from discharge of indebtedness.
As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as Gross Income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.
According to Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A. The IRS clearly explains that if my debt is canceled then the lender, which is yourself, MUST file a 1099-C.
If ( HYUNDAI CAPITAL / KIA MOTORS FINANCE ) has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.
I am aware that a 1099-C must be mailed to consumers by January 31st the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.
Referring to the IRS Publication, Instructions for Forms 1099-A and 1099-C ( Rev. January 2022 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt. " Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. '' If the canceled debt was not more than {$600.00}, ( Company Name ) is still required to report the debt as income to the IRS.
The continued reporting of this inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of your responsibilities as a furnisher of information & 15 U.S. Code 1681e ( b ).
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| 04/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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SUMMARY OF LEASE BUYOUT OF 2018 HYUANDI XXXX XXXX I mailed lease purchase check & attached my check to a letter of instructions with buyout quote to Regular Mailing Address as stated on lease purchase quote ( see attached copy that was mailed aprox XXXX am on XX/XX/XXXX in a large drive by XXXX XXXX box located in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX KY XXXX ) XXXX XXXX XXXX paid my check XXXX XXXX {$17000.00} XXXX At my online bank account I chatted with XXXX that I thought signature looked suspicious. He viewed check and replied that he could not validate signature & I would need come in to sign an affidavit to research further.
I contacted HCA-they have not been paid but said it usually takes 48hrs for payment to post & to check back later. This concerned me because the purchase quote was only good to XX/XX/XXXX. I also mentioned the check endorsement looked suspicious to me as it was signed by an individual and did not appear to have any company endorsement. They said different people sign the checks & that it did not really mean anything.
XXXX My Hyundai account is now past due.
I called Hyundai customer service again ( XXXX ) as my Hyundai account still showing regular payment due. I told them again the signature of check appeared suspicious to me- they did not seem concerned but said if I wanted to I could fax copy of signed check to XXXX. I tried faxing multiple times but would not go through ; I called cus service again & they asked to fax to XXXX. Fax went through. I have a printed fax confirmation.
XXXX I received a request to e-sign validation of milage. Done immediately.
XXXX Hyundia account still shows not paid. Called customer ser again- they transferred me - On hold for over 20 minutes, I gave up ; I called again later & same thing.
I faxed letter again to XXXX requesting investigate suspicious signature of check endorsement.
XXXX I called again Hyundai Financing & transferred to leasing. This time my call was dropped after a few minutes.
XXXX XXXX The regular payment of {$280.00} now has a penalty making the total amount now due of {$300.00} I called cust ser again and was told that the leasing dept had been closed for several days and and that they would be working over weekend to catch up. Asked me to call back again in a few days.
XXXX Hyundai left message to call them at XXXX XXXX. This is first time they have reached out to me during this entire ordeal. I called back at XXXX XXXX & got message office closed XXXX I called XXXX, my account now sent to collections! She had me email copy of check XXXX front & bank to XXXX. She reviewed my email and said she would send over ( to whomever handles this ) XXXX I called XXXX again as my account is still unpaid. They reviewed my account & said they had sent request earlier and but there was no reply so they would request to escalate processing.
XXXX My acct is now 25 days past due.. Called XXXX. Hold time 24 minutes. She said check was not cashed by them so my account is still unpaid. They will hold action on my account while I contact my bank. Afterwards I can call the customer service dept XXXX. They can not ( or will not ) send me a statement saying the check was not cashed by them.
XXXX I called XXXX Bank XXXX & talked to bank manager XXXX XXXX. She will research who signed check & get back this afternoon.
XXXX XXXX XXXX called back- will email me affidavit & they will pursue recovery. She would be willing to call Hyundai to have late charges and any adverse credit rating waived.
I think thats only fair considering their blatant failure to reply timely to my multiple attempts to quickly resolve the situation. I am also requesting to have the original purchase contact honored if only in appreciation of my history of having bought 3 new Hyundai autos over the past 10 years. If nothing else, just show me if they care about repeat business!
Sent above summary to XXXX XXXX, she replied would contact Hyuandi for conference call & ring me when connected XXXX received email from XXXX that she called Hyundai, she was on hold for 1 hour, music stopped, waited another 10 minutes and then they dropped her call. She will call back later today.
XXXX called back later with conference call with XXXX.
The {$17000.00} payoff now has {$100.00} late penalty for {$17000.00}. I expressed my concerns for being penalized due their multiple blatant failures to assist me to make a timely payment. XXXX said she would put in request to refund the penalty XXXX called Hyundai XXXX XXXX she will request title be expedited, will take 5 business days XXXX No title, called again- was told to fax milage verification this time to XXXX ( by now this is third time faxed milage verification ) should receive title 3-5 days.
XXXX I No title, called again tt to XXXX XXXX, he will research & call back. He called and left message thats recorded in my voicemail -his callback # is XXXX to get title release expedited & could call leasing directly at XXXX XXXX called XXXX this is just the regular customer service # & does not allow connection to lease department. Spoke again to customer service, transfered etc & lady researched- on their recorded line, I told them again my ordeal since XX/XX/XXXX & she says they will expedite sending my title, verified my address & said ( as they have on all prior attempts ) that it will take 3-5 business days. I told her that this is exactly what Ive been told multiple times, and as fair warning, I will be forced to take legal action if this matter not soon resolved.
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| 04/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I leased a vehicle through Hyundai Motor Finance a/k/a Hyundai Capital America XXXX hereafter " Hyundai '' ) on XX/XX/XXXX, with a maturity date of XX/XX/XXXX. I returned the vehicle per the lease/balloon finance agreement on XX/XX/XXXX, as evidenced by the attached receipt. On XX/XX/XXXX, the balance on the vehicle was paid in full by the car dealership. On or about XX/XX/XXXX, I received a notice from XXXX that my credit score had dropped. Upon investigation, I learned that Hyundai Motor Finance had been reporting me for late car payments from XX/XX/XXXX - XX/XX/XXXX ( 6 late payments to date ).
On XXXX XX/XX/XXXX, I spoke with XXXX XXXX last name unknown ) in Hyundai 's customer support in an attempt to pay by phone any late payment that may be owed. XXXX investigated my account and said the following : The balloon payment applied to your account was applied to the end of term. Your account is current and no final bill was ever sent to you from XXXX. The {$400.00} charge appears to be in error and you do not owe anything to Hyundai at this time. XXXX then told me that in order to get the credit report updated, I would need to send a dispute to the Hyundai Credit Dispute team.
On XX/XX/XXXX, I received a secure message from Hyundai Capital America, which included a final payoff letter evidencing that my account was paid in full and closed ( see attached ). Thereafter, on XX/XX/XXXX, I sent a dispute letter with supporting information to Hyundai, including the paid in full letter. In the meantime, I was reported to the credit bureaus for late payments in XXXX, XXXX and XX/XX/XXXX.
On XX/XX/XXXX, I received a letter which stated that the inaccuracies on my account were investigated and that the inaccuracies would be corrected within 60 days, and to call customer service with questions. XXXX XXXX attached XXXX.
XXXX removed all of the late reports except for late reports in XX/XX/XXXX, and a XX/XX/XXXX. On or about XX/XX/XXXX, nearly 60 days after the dispute letter, I called XXXX and asked them if they were still showing that I owed {$400.00} because I was still being reported. I was told again by customer service that I owed nothing, my account was paid in full as reflected in the XX/XX/XXXX letter, and that my only remedy for the late reports was to file another dispute with XXXX. On XX/XX/XXXX, I filed a credit dispute with Experian. In the meantime, I was reported by XXXX for late payments in XXXX, XXXX, and XX/XX/XXXX.
On XX/XX/XXXX, I filed a complaint with the Better Business Bureau against Hyundai Motor Finance. That same day, I called XXXX again and was transferred to the collections department. I asked again to pay the {$400.00} fee. I was again told that my account was closed and paid in full and that I should not be reported to credit bureaus for late payments. I was transferred to customer service, and again, was told that my account would be reinvestigated and to follow up in XXXX business days.
On XX/XX/XXXX, I called XXXX again and was connected to the XXXX Department, where I was advised that I owed a {$400.00} turn in fee. I promptly paid the {$400.00} fee, as evidenced on my account and by my bank statement. On XX/XX/XXXX, I received a message from XXXX through the Better Business Bureau informing me that I owed {$400.00}, that I was billed for the {$400.00} turn in fee prior to an address change on XX/XX/XXXX, and that the late payment reports on my credit report were accurate. Please note that the address change was 20 days AFTER the date of the XX/XX/XXXX XXXX XXXX evidencing that my account was paid in full and closed.
Between XX/XX/XXXX and XX/XX/XXXX, I never received a bill, a statement, a letter, an e- mail, a late notice, phone call, or other attempt to collect the outstanding {$400.00}, even after the supposed XX/XX/XXXX address change. Instead, I was repeatedly told that my account balance was {$0.00} while continually being reported to the credit bureaus. To be clear, I have made numerous attempts to pay the debt, and have been willing and able to pay the money the entire time. I detrimentally relied on XXXX 's assurances, both the written pay off letter and verbal assurances that my account was current based on the balloon payment greater than the balance due, and as a result of XXXX 's inefficiencies and inaccuracies, my credit report and score has SEVERELY suffered. In addition, XXXX grossly violated notice requirements of late payments, as I never received any information from them regarding the late payments or the reports.
Attached to this complaint are the following : XXXX. XXXX dated XX/XX/XXXX from XXXX stating that the account is paid in full and closed.
XXXX. XXXX dated XX/XX/XXXX stating that my account was investigated and the inaccuracies would be corrected within 60 days.
XXXX. XXXX Return Receipt XXXX. Payment history reflecting XXXX XXXX a payoff amount greater than the amount owed on the car by {$650.00}, and XXXX XXXX the {$400.00} payment made on XX/XX/XXXX XXXX. A picture of my bank account on XX/XX/XXXX reflecting the {$400.00} payment XXXX. A screenshot of all statements and letters received on my account ; and XXXX. An end of term statement stating the process for turning in the vehicle.
I respectfully request that the CFPB investigate this issue and demand that Hyundai Motor Finance remove the late reports from my credit report.
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| 03/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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Leased Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX Maturity Date : XX/XX/XXXX Based on the letter received from Hyundai on XX/XX/XXXX the total amount due was {$1100.00} which was not aligned to the payoff quote received when returning the vehicle.
The payoff quote and check issued for final payment was XXXX ( {$320.00} x 3 months left ).
Please note that payoff quote received on XXXX from Hyundai when negotiating another vehicle from different brand/dealership was crucial for us taking the decision to purchase the vehicle from XXXX.
So, after getting the confirmation of the remaining balance to our lease ( {$970.00} ) XXXX sent to Hyundai a check on XX/XX/XXXX for the exactly amount of {$970.00} which would be covering the total amount due showed on payoff quote.
I made several calls to Hyundai and from each of the calls I received different responses and versions of the facts about the amount due and costs breakdown.
No one was able to clarify the breakdown of costs ( very confusing ) to also explain how the check of {$970.00} was applied to the final. statement.
I have also tried to reach different departments or related Hyundai companies by phone and exchanging emails ( HMA, Hyundai Finance, etc ... ) and responses if not asking me to contact the other related company were so vague without any clarification of total ( final ) amount due.
I've also tried twice going directly to dealership ( salesperson, managers, financial ... ) and NO ONE was able to clarify such statement allowing me to make the final payment.
I've also sent all related documents by mail to Hyundai ( customer services credit dispute ) - but also no formal clarification from them.
So, I kept trying to contact Hyundai for such clarification to make the payment accordingly as I had received a payoff quote not aligned to final statement.
So, understood I was disputing such final statement ( and worse, during a pandemic situation when I suffering with salary reduction, etc .... ) but I NEVER refused to make final payment - I just needed to understand what i was paying as again, payoff quote was not aligned to the final statement.
In XXXX ( during the pandemic ) I was surprised with a credit monitoring alert ( from XXXX XXXX ) that I had a delinquent account reported by Hyundai to the credit bureau.
I have not received any prior communication from Hyundai or actions to be taken which is very disappointing coming from a huge and renowned company like Hyundai to a very loyal customer like myself.
Again : I was under the impression we were disputing such final statement as no one from Hyundai at that time was able to clarify the costs breakdown and final total amount due.
So, after getting info about my delinquent account I made the final payment as stated on the Letter from Hyundai ( even without the clarification of related costs ).
Again, I never refused to make the final payment, however for me it was wrong and not aligned to final quote and at that time, Hyundai was not able to explain or clarify such confusing final statement ).
So, finally after such payment made I was surprised again on XX/XX/XXXX with a new letter from Hyundai not showing my payment of {$1100.00} and nor the check of {$900.00}.
So, I called Hyundai ( again ) and was informed that letter was sent by mistake and there was not any amount due at that time and account was paid in full.
Again I insisted about getting a clarification and a final statement showing how payments were applied including the check and I was told that check was broken down one part to pay past due amount and other part to pay the " future payment ''.
So, for the first time I got some clarification on how {$970.00} was applied under my final statement, however still didn't know if the total was correct ( as payoff quote not aligned to final statement ).
I understand such lease account with Hyundai is closed ( paid off ) however reporting a delinquent account ( charge off ) during such dispute ( and during the pandemic ) damaged my excellent score ( from 800 's to 600 's ) for no reason as I never refused to pay just wanted to understand what I was paying once final quote was not in accordance to final statement and asked for clarification before paying.
Again, no prior notice was given by Hyundai ... no collection, no contact ... kind of arbitrary, unilateral and somehow disrespectful because I've asked for clarification, during a pandemic, never refusing to pay off the lease and Hyundai seemed not giving any change to at least clarify about the actions or even trying to clarify the breakdown of costs.
It's very sad to say ( coming from a loyal and very satisfied customer of Hyundai vehicles ) but very disappointed about such final statement/closing account.
I would like to have Hyundai to remove or correct such report to the Bureau as I understand is not fair due to all presented reasons.
I never had any problems with payments, late payments, and also me and my wife built an excellent credit score during almost 10 years and I believe it's not fair to have it simply damaged for one single fact which is very controversy due to all mentioned reasons.
I would like to get a way to reverse this situation or even get a " forgiveness '' from Bureau case Hyundai do not present a new report confirming it was a mistake or an error.
Thanks again!!
XXXX XXXX XXXX
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| 10/25/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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This is the letter I sent to both the dealer and Kia Financial which explains my problem.
Attention General Manager or owner of XXXX XXXX XX/XX/XXXX I am writing in regard to my purchase and lease turn bill from Saturday, XX/XX/XXXX.
I would like to comment that I have been a long-time ( loyal ) customer for all our preventive maintenance needs on our XXXX Kia Sorento and our Lease from XXXX XXXX XXXX Sportage. I was also looking forward to purchasing the new XXXX remodeled Sorento next year. On Saturday, XX/XX/XXXX we test drove many cars after we were contacted by XXXXXXXX XXXX urging us, to come in and turn in our lease early and purchase or lease a new vehicle, before we came to the dealer we asked if we would be penalized on our last payment, we were told no our lease-end was XX/XX/XXXX, this would not be a problem. XXXX from Florida was our salesperson.
After testing driving multiple vehicles, we decided on the XXXX XXXX. At the time XXXX had stayed at home mandate in place due to Covid -19. No customers were allowed in the dealership. XXXX sat in the back of our vehicle and stated that our last payment would be waived if we wanted to pursue the purchase of the XXXX, he could make it happen.
We also want to point out that our lease turn XXXX XXXX was almost XXXX miles under its allowed terms of the lease and was in immaculate condition and was garage kept upon turn in.
All transactions were done on our cell phone, we spoke with finance as they picked the company with the terms we agreed to over the phone. During all this time there was no mention of KIA lease loyalty or we would be required to make the final payment on our lease. In fact, we were told to go home and wait for XXXX XXXX to clean and prep our new vehicle and they would deliver and pick up our lease later that afternoon at XXXX XXXX hassle-free Covid safety delivery. We got our car and we were very excited.
Unfortunately when I went to pick up our new plate and our lease plate the following Thursday Note I had to call and text if our plate was ready, XXXX didnt have any of our paperwork ready he just handed me two plates and told me I was all set. The paperwork would come in the mail. The paperwork has yet to come in fact when I got home and checked the plates XXXX gave us someone else plates from my lease turn in. I contact him immediately he did offer to come by and bring us our plate later that night.
As time went on, I logged into my KIA account multiple times to see that my account to showed paid in full or closed this never happen. We tried to the KIA Finance there were no live agents Mid-XXXX due to Covid only a recording.
On XX/XX/XXXX, we receive a letter from Kia Finance dated XX/XX/XXXX see attached. 79 days after purchasing our vehicle! We received a bill for {$810.00} Last Payment-Taxes-Turn In fee? I was in Shock Upon receiving this bill, we called Kia Finance and we were told it was our responsibility to deal with the dealer directly for the last payment being waived.
The agent said even though we purchased a new vehicle it did not meet the terms for a loyal customer because we were not financed through KIA motors. We want to make clear XXXX pick our financing, not us nor was the fee of {$400.00} mentioned at any time.
Left 5- messages with our salesman XXXX no return calls We attempted to contact XXXX XXXX talked to him once he said he would investigate it, never received a call back we left 8 more messages no return calls.
We left multiple messages with XXXX XXXX ; no return calls always sent to voice mail.
Left 3 messages with XXXX XXXX I finally started contacting XXXX XXXX XXXX Finally retuned my call after two emails and a two-voice mail.
She put us in contact with XXXX XXXX at XXXX see email his response below.
From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : ' Subject : RE : Lease bill Good afternoon, I looked into this matter of the last payment and it was not promised for us to make it. I looked at your signed WE OWE and also the signed worksheet. The disposition fee charged to you by Kia should be owed back to you from Kia motor finance. You did purchase a new Kia. I believe XXXX provided you with the phone number for Kia motor finance to get the disposition fee handled.
Subject : Lease bill Importance : High XXXX, Thank you for your assistance in this matter.
We filed a Complaint about XXXX with KIA Finance on XX/XX/XXXX Spoke with XXXX ID XXXX I called again KIA Finance on XX/XX/XXXX they were waiting for a letter from me to file a formal complaint spoke to XXXX IDXXXX I was told my complaint was closed on XX/XX/XXXX?
Regardless of the outcome. My family will never purchase another Kia or will they have any future service done on our XXXX XXXX or XXXX XXXX or any vehicle at a XXXX dealer for anything! We will drive further and pay more regardless of all our future maintenance. It's my goal to provide the truth about our experience and the lies KIA has told my family. Hope {$810.00} was worth it.
It's very disappointing to be treated like XXXX and not even get a call back from all the people I have contacted. I have exhausted a lot of time and effort in this matter to be blown off.
You have lost a Loyal customer that can only speck negative about XXXX XXXX and KIA Finance.
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| 02/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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On XX/XX/XXXX, my wife and I went to Hyundai XXXX XXXX XXXX XXXX, New York, to lease a new vehicle : a XXXX XXXX XXXX XXXX XXXX. We believe we were swindled by both the salesman who leased the car to us, XXXX XXXX, and the Finance Director who handled the paperwork, XXXX XXXX is no longer with the company. When discussing the lease terms with XXXX, we were led to believe that our monthly lease payments would be in the low {$300.00} range for a 3-year lease and 15,000 miles a year. The car 's sale price was listed on the company website at around {>= $1,000,000} ( I can't remember exactly ), which is significantly cheaper than the car we leased before this, a XXXX XXXX XXXX XXXX. We were paying $ XXXX/mo to lease that XXXX XXXX, even though the car was listed at over $ 32K and we were paying for 16,500 miles a year. So when XXXX came back to us ready to close the deal with the paperwork, and instructed us that our monthly lease payment would be $ XXXX/mo with {$3000.00} down, that made no sense to us. He " explained '' that the monthly payment was higher than what the website calculator said it would be ( low {$300.00} ) because of all the unseen fees that had to be factored in. One of the fees he mentioned was the DMV registration charge of {$330.00}. This even though we had an existing registration for the XXXX XXXX that we were transferring to the XXXX XXXX, and only owed {$60.00}. He said that the way the DMV worked was that we had to pay Hyundai XXXX XXXX XXXX XXXX the {$330.00} upfront, and then once they got reimbursed {$270.00} by the DMV, they would send us a check for that amount. That didn't really make sense to us, but fine, we said. Then when we go to sign the paperwork with XXXX XXXX, and he says he likes us so much he's going to give us a Hyundai maintenance plan for " free. '' We thought that was nice. We sign the paperwork and we leave. The next morning I review the contract and see that a {$500.00} fee has been included for that maintenance plan. We go back to the office to complain, and suddenly XXXX tries to avoid talking to us for about two hours. Nobody in the office will talk to us. Finally after waiting forever, a different finance manager sits us down and tries to explain why that fee is there. He says XXXX just had to write it in so we would get the maintenance plan, but we were not actually charged. I don't believe that for a second. I think that fee was one of the fees XXXX told us about that jacked up our monthly paymentand then XXXX tried to act like it was " free. '' Finally, after we're exhausted trying to figure out exactly how we're getting screwed and have accepted this other finance manager 's " explanation, '' XXXX comes into the office to say we'll be getting a refund that day of {$270.00} for the difference in the DMV registration charge. He hands us a receipt for a Check Request that he's filled out and had authorized by Sales Manager XXXX XXXX ( signed with initials XXXX on the form I've attached ). He said the check would be sent to us in the mail. We were convinced we were being swindled out of thousands of dollars but didn't have any more energy to argue and honestly we had no idea exactly how we were getting swindled, so we accepted this olive branch. But we never received the check.
On XX/XX/XXXX, I took the car into the shop to get an oil change and cash in on this " free '' maintenance planand I took this opportunity to ask about my refund check. I asked for XXXX XXXX and was informed he no longer worked for that office. I found XXXX and showed him the Check Request form, which he'd signed. He said, Yeah, just show me the lease contract. So I did. Fifteen minutes later he said he didn't see anything on the lease about the DMV registration fee. Lo and behold, it wasn't there! He asked XXXX to come over and explain. Of course XXXX had no idea what had happened. So XXXX says they're going to look into it and get back to me over the holidays. I asked him why he signed the Check Request form if there was no documentation of the charge. He said XXXX came and asked me to sign it. I asked him why XXXX no longer worked there, and he didn't want to answer. I'm pretty sure XXXX was fired from the office for doing some shady things.
It is now XX/XX/XXXX, and I have not received the refund check nor heard anything from Hyundai.
These people are crooks. How else do you explain getting a check request for a {$270.00} refund for a charge that they said helped to explain unseen fees, and then when you ask for that check they say there's no documentation of that charge anywhere on the lease? Why did XXXX sign this check request form? It's a RECEIPT for a check. But then he says we have no right to check, because there's no evidence of the charge.
The lease contract says the agreed-upon value of the vehicle was {$27000.00}. How on earth was that possible if the price listed on their website was under {$25000.00}?
I do not want to make any more attempts to ask XXXX for this refund check, because I know he will just make up some reason not to give it to us. I know we've been swindled out of thousands, but all I really want to secure some kind of little victory is that {$270.00}. Hope you can help.
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| 07/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XX/XX/2021 To Whom It May Concern, I moved from XXXX to XXXX and called Kia Motor Finance XXXX ( my finance co. ) on XX/XX/2021 to request a letter of permission to transfer my registration to XXXX and a copy of the title, as both are needed to register a new car ( if financing ). The rep. stated they handle state to state transfers via secured email sent from them. I received this secure email, made an account and completed the request form and sent it back on XX/XX/2021. In the online secure message portal, it shows sent. It stated it could take 4-6 weeks due to having to request the title from the State of XXXX. I called again on XX/XX/2021 to check the status and they stated they could not see anything on my account related to a request, that they could only see it on their end until the title dept. noted it was being processed and there was no way to contact the title dept. as that was an internal dept. without contact. I then called back on XX/XX/XXXX and was told the same things. I called back on XX/XX/XXXX and the rep. told me that they did not see any requests, it must have not been received. I told them I have a screen-shot showing it was sent and they said I would need to submit another request. They sent me another secure message on XX/XX/XXXX and I logged into the message again and completed the form again and sent the second request the same date, XX/XX/XXXX. I then called on XX/XX/XXXX to check the status and same excuse, they did not see any update on my account, I asked for a supervisor and they put me on hold and never came back after 18 min. I then called back on the XXXX and was put on hold while they did some investigating. When they came back on the line, I was told that the internal dept. ( of which I was originally told multiple times, couldn't be contacted ) the title co. had pulled my request 2 days before and had my title and letter of permission of which would be emailed to me and sent to XXXX in 1-3 days. I was so relieved. I caught an XXXX to the DMV on XX/XX/XXXX and called to let them know it wasn't in my email but to see if they had sent it to the DMV in XXXX. This rep. stated they do not email these documents to clients, only directly to the state. I asked, so your rep. lied to me last week. They had no answer and said they could not see my request and I would need to send another one. I asked for a supervisor and was hung up on. I called back the same day, XX/XX/XXXX and the new rep. told me that they had my title and it would take 3 weeks to date as they had to print a copy to send to XXXX. Being I was already at the DMV and had waited for 3 hours to be seen, I asked and they stated, they do not need a paper copy, a digital is fine. I called again XX/XX/XXXX and same response, no request seen, nor title this time. I called today, XX/XX/XXXX and same response, no request seen, that they do see my letter of permission/power of attorney giving permission to register in XXXX state and my title, and after questioning about my situation said I will need to send another request and just wait. I am at my ropes end. How does that make sense. Why would they have my power of attorney letter giving me permission to register in XXXX state and my title if they did not have a request. I do not know who or what to believe anymore. I can't trust a word they say and what they say most of the time is absurd. I have been paying my car payment each month and maintaining full coverage insurance as required by law and financing responsibilities. My XXXX XXXX XXXX has been sitting in my driveway since XX/XX/XXXX without plates as I had to return them to XXXX as I now live in XXXX and had to change my insurance to XXXX per insurance laws upon moving. XXXX does not accept XXXX insurance policies so I had to return my XXXX plates to XXXX to prevent/reverse suspension of license. It is now right at XXXX and I have not been able to register nor drive my car due to the negligence of my finance company and the lack of any customer service whatsoever. This company should not be allowed to sell or operate in the United States with their practices. It is the most unprofessional experience I have ever been through. It has cause me great financial and emotional hardship. Please help! I have done everything I could do even to contacting my selling XXXX dealership in Florida to a local XXXX dealership here in XXXX. Even the dealer in XXXX is not getting anywhere with Kia Motor Finance and the internal dept. XXXX who supposedly can not be contacted by the consumer, nor the customer service center at Kia Motor Finance. This is quite possible the worst company I have ever dealt with and I have been in customer service myself off and on the last 35 years. Yes, publish this. Apparently I am not the only one who has had this very same problem as there are many complaints for this same situation. Paying for a car that can't be registered/driven. I did not realize people are not allowed to move if they buy a new car. Thanks so much for your help, I really appreciate it as I have lost all hope. Have a blessed day.
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| 02/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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This company should be investigated for fraud by purposely not applying payments to principal balances. I have been dealing with Hyundai since XX/XX/XXXX Im relation to an incorrect payment allocation. I made two payments online in XXXX ( for {$270.00} and {$260.00} ) neither payment was applied to my principal balance and to make matters worse neither payment was processed as a payment made on the loan so ever since then they have been sending me emails that I am past due and I owe this company nothing. I received an email on XX/XX/XXXX saying I was past due {$250.00}. On XX/XX/XXXX I called customer service to notify them they were sending me emails that I am past due but I made two payments in XXXX a rep said she saw the issue and had to reallocate my online payments because they werent processed as payments on the loan. On XX/XX/XXXX I received a statement showing I was past due by {$540.00}. I called back on XX/XX/XXXX because I was still getting the emails I was advised to call back in 3-5 business days and the past due amount would be corrected. I called back on XX/XX/XXXX and spoke to a manager that advised me he was sending an email to the accounts department advising them of the incorrect payment processing. He advised me my account was current and the payment needed to be reversed and applied to the principle. At this point because Im in the last year of my loan I figured let me just pay it off instead of deal with the headache I was quoted a payoff quote of {$3600.00} which is insane because my principle balance in XXXX was {$3200.00}. I called on XX/XX/XXXX was advised the issue was notated and to call back in 3-5 days. I called on XX/XX/XXXX was advised by the customer assistance team the corrections were still pending. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX no updates available. I called on XX/XX/XXXX and spoke with XXXX ID # XXXX and she was the most rude, unhelpful, incompetent and in-compassionate representative I have ever spoken to in my life. She wasted my time trying to explain to me how I was past due {$230.00}, didnt take the time to review any notes didnt allow me to explain the situation and didnt provide any update on the email to the accounts department that I was SUPPOSE to hear back from weeks ago. I requested to speak to her supervisor and got XXXX ID # XXXX and he was even worse. Hyundai has some type of setup where if your account is past due you have to speak to collections. Only issue with that is I DONT OWE anything and they have completely ruined my account by allocating my payments incorrectly. So this supervisor wouldnt hear anything I had to say and told me that only the collections department could help. He refused to review the account or send any follow up messages to the accounts department. He transferred me to collections while I was still speaking and honestly if these are the type of people HMFUSA hires as managers I can see why my account is so messed up. Keep in mind every phone call youre on hold ATLEAST 45 minutes before you can get a representative so at this point this company should be paying me for my time wasted trying to get them to do their jobs. After speaking with a second collections agent ( the first one hung up ), she advised me collections wasnt able to fix my account only customer service could handle payment allocations and she was able to get me a supervisor from customer service named XXXX. XXXX recognized the issue and stated my payments were not being applied to my principal balance which is why my payoff quote was grossly incorrect and I keep getting the emails that I am past due. She advised me she would have it corrected in 24-48 hours she provided me her personal number and advised me to call her back if I didnt receive an update. I called to follow up with XXXX on XX/XX/XXXX was advised her department was closed due to a meeting. I tried to call 3 additional times couldnt get through. On XX/XX/XXXX I spoke to a customer service rep named XXXX XXXX, she said she saw the complaint on file and would check into the complaint. she put me on hold to speak with the previous agent I was working with. After holding she advised me the previous agent was escalating the issue to management and advised me to wait till Friday XX/XX/XXXX to call back and if no corrections were made she would put a hold on my account that would stop any negative information from reporting on my credit and she would waive the XXXX in late fees that Hyundai has been applying to a past due balance they created in their own system. I called XX/XX/XXXX couldnt get through, I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and still cant get through.Now HMFUSA has a message on their website saying their phone systems are down. My account still shows I am 28 days past due for {$230.00} and I am in the process of buying a home and if this company reports this false information to my credit I may lose my home. I dont know what else to do at this point Im currently in talks with an attorney to see if I can take any legal action against this company.
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| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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KIA Motor Finance attempted to collect {$500.00} deductible on top of the settlement payment resulting from a total loss. Insurance company communicated settlement offer, whereby KIA Motor Finance responded with a Settlement Agreement/letter of guarantee on XX/XX/XXXX. XXXX paid in full the agreed amount on XX/XX/XXXX and it cleared XX/XX/XXXX. In turn I paid my insurance deductible of {$500.00} to my insurance company XX/XX/XXXX. I was informed my account was settled and paid in full.
On or around XX/XX/XXXX, I began receiving calls from KIA Motor Finance stating I owed them the deductible. I referred them to my insurance company to confirm deductible was paid and to make arrangements resulting in any miscommunication in the settlement I was not a participant within. KIA failed to reach out the insurance company and would not provide any justification of the debt other than I owed them. I disputed the debt in XXXX with KIA stating it was not my debt and collection should be with XXXX. XXXX XXXX of XXXX went as far as to contact KIA Motor Finance on XX/XX/XXXX, prior to issuing the final payment to ensure the settlement payment would fulfill all expectations and obligations for this claim ( documented in recorded phone call XX/XX/XXXX with KIA Motor Finance ).
I am in the process of buying a new home and scheduled to close on XX/XX/XXXX. I was surprised to learn in late XXXX ( within 30 days of closing ) my credit score had plummeted 40 points due to a late payment comment made by KIA Finance to my credit report. In my multiple correspondences, KIA never indicated any intent to report to collections or a late payment while my debt was in dispute.
Mind you this new debt appeared around XX/XX/XXXX, but no information was available until XX/XX/XXXX from KIA. Following my dispute towards the debt and attempts to connect my insurance representative XXXX XXXX XXXX ) with KIA Finance, KIA made a report without any efforts to produce validity of the debt, but rather continued with daily robocalls around XXXX to demand payment but would not send any documentation to show validity of the claim. On XX/XX/XXXX my insurance representative stated in the recorded phone call KIA Motor Finance made no claim to actual cash value of the vehicle versus their letter of guarantee for the settlement amount and it was not a common practice to make claim to an insurance deductible. KIA responded that I pay the money and dispute the debt with my insurance company. During that time XXXX provided me all documentation to show the written agreements between KIA and XXXX to support the claim from KIA to be invalid. On XX/XX/XXXX, I contact KIA Motor Finance and requested again a copy of any written agreement within my lease or otherwise whereby I agreed to pay the actual cash value of a total loss, thus supporting their claim to {$500.00}. KIA was unable to provide such documentation, nor dispute XXXX 's stance they were paid as agreed and the account was paid in Full. On XX/XX/XXXX, KIA Motor Finance agreed to submit the dispute and request for debt removal to their Payment Reviewal Department. On XX/XX/XXXX, KIA responded with the removal of the debt and account paid in full on XX/XX/XXXX. Thus the 30 day late payment that caused my credit to plummet right before closing on my new home is invalid.
I do not have 30 days for this to be removed. KIA representative XXXX XXXX stated she would work with her credit department to expedite the removal, but I can not lose my home loan or home to an invalid credit collection effort and related false reports to my credit report. I need this corrected immediately.
XXXX XXXX was the only representative that took the time to review my KIA documents to help me understand the debt and intent. She was unable to locate any agreement or written correspondence with me, and knowing I was an A+ borrower on my third KIA vehicle who could possibly lose the loan to her new family home, she attempted to correct the problem. While the debt is removed, the comment has not and I can not rely on the internal process alone with KIA to ensure this error is remedied without further personal damage to my finances and my dream home. I appreciate her help, as she was the most thorough of any rep at KIA. With that said, KIA Motor Finance acted recklessly by taking negative action on a consumers credit report while the debt was in dispute and should have investigated at the time of the dispute to confirm validity of the debt, clear up any miscommunications and show cause for collection. Rather, they damaged my credit over a misunderstanding and attempted to strong arm me into payment with daily collection calls and refusal to provide written documentation to the debt.
I respectfully request the negative comment from XX/XX/XXXX to be removed from my report and my credit score restored without penalty based on the attached documents confirming payment in full on XX/XX/XXXX from KIA Motor Finance and related documentation to settlement agreement, deductible payment to insurance company, etc.
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| 06/30/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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In XX/XX/XXXX, I cosigned an auto loan to help the coborrower purchase a new vehicle. The financing was secured through the dealership I made it clear that the coborrower was the primary and I was the secondary borrower. The monthly due dates have been set to the XXXX of each month. For the past XXXX years, the primary borrower has made all payments on the loan but admittedly not always on time by the due date. The vehicle has never been repossessed, however on numerous occasions throughout this 6 year relationship the lender has engaged in harassing and abusive behavior towards me each time the loan has gone past the due date.
This complaint, submitted on XX/XX/XXXX, is specifically about the payment that was due XX/XX/XXXX.
The payment was current as of XX/XX/XXXX due date. The primary borrower did not make the payment due on this date.
Starting XX/XX/XXXX, I began receiving phone calls from XXXX ( XXXX ) XXXX. Here is the timeline of calls received from this number, all times in XXXX XXXX XXXX : XX/XX/XXXX : XXXX, XXXX, and XXXX XX/XX/XXXX : XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, and XXXX XX/XX/XXXX ( yesterday ) XXXX, XXXX, and XXXX XX/XX/XXXX ( today ) XXXX and XXXX Please see attachment for screenshots of call log placed to my number.
The total number of calls received over this 5 day period is 13. On 3 days, I received 3 calls. On 2 days, I received 2 calls within the same hour. This is very harassing and abusive behavior.
On no occasion was a voicemail left to advise who was calling.
I did a search on XXXX of the phone number and nothing tied this number directly to Hyundai Motor Finance. XXXX search result referred to it as a " vehicle related customer call. '' Another described it as " A Debt Collector Call '' I called the phone number at XXXX XXXX and a robot said " Thank you for calling Hyundai Motor Finance XXXX '' After confirming the last 4 of my SSN, I was advised of a past due amount. I requested to speak to a representative. I reconfirmed the last 4 of my SSN with the agent. Here is what I can recall from memory ; the agent advised the call was recorded.
The agent advised me the call was on a recorded line for quality assurance purposes. The purpose of the call was to collect a debt and anything said may be used for that purpose. I consented.
I asked how long the bill was past due. He said 10 days.
I asked how many people are on the account? He confirmed me and the coborrower are on the account.
I asked if they attempted to contact the other borrower at all. The agent wasn't sure, claimed to did not have access to the records.
I asked if this is a standard practice for a bill that is past due by 10 days. He said it is a robo-system makes the calls. He wasn't sure what the rules are, but believed it was programed for 2 attempts per day.
I advised that I have been contacted *14* times over the past *7* days.
( *I stated 14 times and 7 days in error. Upon reviewing my phone records in detail, it was 13 times over 5 days ) I then stated I found this behavior abusive. I stated that the Fair Debt Collection Practices Act ( FDCPA ) considers more than 7 calls in 1 week to be harassment. Although Hyundai Motor Finance is the original creditor, they still can not engage in abusive behavior.
The agent advised he could put my number on a " do-not call '' list. I agreed and he requested 2 minutes to put me on hold. ( I believe this was more than 2 minutes ) The agent returned and advised I was placed on the do not call list. He then attempted to reconfirm information with me.
Once this was complete, I asked again if this was standard practice to call someone this much to recover a bill that is 10 days past due. I stated my intention to escalate the call and that I would be submitting a complaint to the CFPB.
The agent put me on hold to submit a complaint The agent asked for another 2 minutes to find out who I should be transferred to.
Upon returning, I was lead to believe I was being transferred to customer service to address my complaint. Instead, I was cold-transferred to the generic customer service hotline . The robot asked to confirm the last 4 of my SSN, but stated twice that it does not match their records. I hung up.
THE PURPOSE OF THIS COMPLAINT Hyundai Motor Finance engaged in abusive and harassing behavior in an attempt to recover a past-due balance. They attempted to call me 13 times over a 5 day period in regard to a balance that was only 10 days past due. Regulations from the CFPB protect consumers from Unfair, Deceptive, and Abusive Acts and Practices. ( UDAAP ) The CFPB has made it clear that automation is not an excuse for noncompliance. A debt collector is presumed to be in violation of the law if they place a telephone call to you about a particular debt : More than seven times within a seven-day period, or. Within seven days after engaging in a telephone conversation with you about the particular debt. They have engaged in this behavior as demonstrated in this complaint and numerous times throughout the past 6 years.
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| 08/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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XXXX XXXX Account # XXXX To whom it may concern : I am writing to dispute my account being reported as delinquent to credit reporting agencies. I will be providing dates and times of my communication with various members of Kia Motors Finance and XXXX XXXX XXXX XXXX XXXXXXXX as well as enclosing documents relevant to this situation.
This account was to end in XXXX of XXXX. I was contacted in XXXX of XXXX by XXXX XXXX XXXX XXXX XXXX telling me they wanted my XXXX XXXX back on the lot and offered to let me trade the car in for a new one, and they would pay the remaining balance on the lease. I accepted and made an appointment to discuss this in early XXXX. I decided to trade in the XXXX for a XXXX XXXX. I was assured multiple times that the dealership would be sending a check to KMF for the remaining lease balance. This amounted to {$2200.00}.
I received a bill in the mail in early XXXX for this amount. I called XXXX XXXX XXXX of XXXX and they asked me to send a copy of the bill to them and I was, again, assured multiple times I needed to do nothing and they would take care of this issue.
I received an automated text message on XX/XX/XXXX at XXXX telling me that I had a late payment and to contact KMF to resolve this. I knew I was up to date on my XXXX payments and believed my XXXX payments were no longer an issue. So I called the number multiple times and every time the call hung up after an automated message informed me call volumes were too high due to Covid 19. I checked both accounts online and both said my balance was {$0.00}. So I assumed I received this message in error.
I received a second automated text message on XX/XX/XXXX at XXXX. This text message told me the same thing as the first. So I called the number provided ( XXXX ) at XXXX. I was told by the KMF representative I spoke to that both of my accounts were up to date and they were not showing any late payments on their end. They informed me that I must have received this message by accident and to disregard it.
I then received a phone call on XX/XX/XXXX telling me that I owed {$2200.00}. I explained the situation to the representative that the dealership should have paid this and could they send me a copy of the bill to forward on to said dealership. I then immediately contacted XXXX XXXX, the sales manager of XXXX XXXX XXXX XXXX XXXX, via phone call where he asked that I send the bill as he believed they already satisfied the balance owed. I emailed him a copy of the bill and I have included the email correspondence. He told me he would investigate the matter. After investigating, he had a check sent out to me for the amount of {$2200.00}. This check was made out to me instead of KMF and I was to pay KMF directly. The check was issued on XX/XX/XXXX.
I received another phone call from KMF on XX/XX/XXXX telling me I had until XX/XX/XXXX to satisfy this balance or I would be sent to collections. I emailed XXXX XXXX again asking for an update to where the check was as I needed to get this taken care of. I finally received the check, deposited it into my bank account, and paid the extra {$7.00} money transfer fee over the phone with KMF in order to finally have this taken care of. This occurred on XX/XX/XXXX. Ten days before the date I was told I had to pay by. I have included the XXXX XXXX Transfer receipt confirming the date this was paid.
I then received an alert from XXXX that I had a delibquent account. I called KMF on XX/XX/XXXX and was told I had paid on time and their records showed I did not have a delinquent account and I would need to contact the credit agencies to find out what was going on. I opened a dispute with XXXX, XXXX and XXXX over this. My credit has been severely impacted ( down over 150 points ) and my credit card companies have started flagging me as a possible risk. I have never had a late payment on a single bill in my entire life so this disruption to my usually stellar credit is something I would like taken care of as soon as possible.
I contacted KMF again at phone number XXXX on XX/XX/XXXX at XXXX to make sure that the account was still closed and was ended in good standing. I was informed by XXXX that there was no 30, 60, or 90 day past due alerts and that the account was not reported as delinquent by KMF.
On XX/XX/XXXX, I called KMF again. I spoke with XXXX XXXX ( employee ID number # XXXX ) who sent a dispute on my behalf as well. She agreed that I shouldn't be held accountable for the late payments according to the facts of the situation.
I received a letter in the mail from KMF stating that it was all accurate as reported. I was told multiple times that no one was getting reported to credit agencies due to Covid 19 to begin with. And that clearly isn't true. However, this wasnt my fault even to begin with.
As documented, payment of this bill was the responsibility of XXXX XXXX XXXX of XXXX. Because of this, I would like the late payments and the delinquency status removed from my credit file as soon as possible.
Thank you.
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| 06/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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|
Web |
Older American |
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Leased XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX, AZ on XX/XX/XXXX. As I wanted to purchase the vehicle at the end of term but needed the funds from the sale of my house, I requested an extension. This was granted and I made the XX/XX/XXXX payment on time. On XX/XX/XXXX, I called XXXX to find out the total payoff amount and best way to make the payment. Was advised the amount was {$11000.00} and to make the payment through their website, XXXX.
On XX/XX/XXXX, the house sold with the money due me wired into my account and I sent XXXX XXXX XXXX ( XXXX ) the payoff of {$11000.00} by ACH through their website for my account, # XXXX. I thought this matter was completed but was contacted by XXXX collections on XX/XX/XXXX advising I was late. I advised that I paid {$11000.00} to payoff the car and the funds had cleared my account and to speak with a supervisor. Call was transferred to XXXX who made several notes in their system and advised she would look into the matter.
On XX/XX/XXXX, I received another call from another collections representative. I explained previous call and read XXXX 's notes. Representative was rude demanding the payment even after reading the notes stating I had to make the payment or it would damage my credit, incur additional late fees, etc. I demanded to speak with supervisor who was also rude demanding the XX/XX/XXXX payment and late fees. I asked to speak with the a Lease End representative. Was transferred to XXXX XXXX who removed the late fees and, after reading the notes, said he would resolve the matter by Tuesday/Wednesday latest ( XX/XX/XXXX-XX/XX/XXXX ).
On XX/XX/XXXX, I received another collections call demanding the payment and new late fees posted to my account. Transferred to supervisor as well as Lease End. Lease End representative advised that XXXX was still working on the matter.
After another sleepless night, I texted my brother, a XXXX for a financial institution, and he advised I needed to go to my credit union and reverse the credit. I did this on XX/XX/XXXX. The reversal was confirmed on XX/XX/XXXX and I called XXXX for the overnight payoff address. On XX/XX/XXXX, I sent my check by XXXX XXXX for {$11000.00} with a letter explaining that since I had originally tried to payoff the lease onXX/XX/XXXX, any and all late fees should be removed. I also sent a copy of the letter to the Lease End Vice President, XXXX XXXX XXXX. XXXX XXXX confirmed delivery delivery of the check with letter on XX/XX/XXXX. The check cleared my account on XX/XX/XXXX. The copy of the letter to XXXX XXXX was received on XX/XX/XXXX. Allowing 3 days for the check to show cleared by XXXX, I checked my account onXX/XX/XXXX to confirm the payment had been posted. I found that the money was posted on XX/XX/XXXX but it was also reversed on the account showing the money was still due XXXX.
After another sleepless night, I had another collections call on XX/XX/XXXX demanding the XX/XX/XXXX and XX/XX/XXXX payments with {$60.00} in late fees. Was transferred to supervisor XXXX who said the dealership cancelled the payment. No explanation why dealership would be involved. XXXX also demanded the payment for XX/XX/XXXX and XX/XX/XXXX with the {$60.00} late fees. After call, I called XXXX XXXX with XXXX XXXX who advised they had nothing to do with XXXX and didn't even know my account number. He said he would speak with the dealership general manager to see if the dealership would be willing to step into the problem to resolve it. He called back to advise the dealership was going to stay out of this issue.
On XX/XX/XXXX, I went to my credit union and spoke with the branch manager, XXXX XXXX. She and I called XXXX. After speaking with people in collections and Lease End we were transferred to XXXX in customer service. She advised that since they received a stop payment ( for the ACH ), they applied the stop payment to the check. She also advised that XXXX received notice that the payment cleared and was posted to XXXX on XX/XX/XXXX and that since they had 14 days to return the money to me, they would be sending me a check on XX/XX/XXXX by regular mail. She refused to send the money overnight or by ACH. To date, XX/XX/XXXX, I have not received this check. XXXX did remove the current late fees. XXXX ( credit union ) recommended I make the XX/XX/XXXX and XX/XX/XXXX payments to remove the collections calls, avoid possible repossession and to make the payoff a different amount since XXXX was having an issue with the {$11000.00} amount. I agreed and made these payments.
I can't help but wonder, if XXXX received notice that the funds cleared and was posted to XXXX, why didn't they apply the funds to payoff the car. With XX/XX/XXXX around the corner, I will have to make the XX/XX/XXXX payment as well. This is ridiculous. I am trying to the buy the car. Don't suggest I just turn in the car and get something else. There's less than 10000 miles on the car in perfect condition.
|
| 05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Name omitted Address omitted XX/XX/XXXX Consumer Financial Protection Bureau On-line Submission Dear Sir or Madam : I am writing to report an ongoing dispute with Hyundai Capital America regarding a late payment they reported on my credit report.
This item, late payment for Hyundai Capital America, is inaccurate and should be removed because I immediately paid my owed portion in full as soon as I received the final itemized invoice from Hyundai. The balance is currently paid in full with a {$0.00} remaining balance.
Timeline of events : XX/XX/XXXX : Turned lease ( auto ) in XXXX-XXXX : Waited for wear & tear inspection data to come back and for Hyundai to send final invoice o Never received a final invoice XX/XX/XXXX : Received a past due call alert Called back immediately, confirmed XXXX had the wrong mailing address, changed address on file Waited 3 weeks for mail containing final invoice, nothing arrived o I give 10-15 business days per Hyundai and standard mail delivery times so Im not following up too soon before the mail has had a chance to arrive Early XXXX : Received a call from Hyundai following up. I was glad they called. I am genuinely concerned about the whereabouts of the final invoice. I ask Hyundai to email the final invoice so we can come to a swift resolution. They refuse to email the invoice.
XX/XX/XXXX : Hyundai rep sends another mail out I wait another week, still no mail XX/XX/XXXX : I call Hyundai, hold 20 mins, get transferred, hold another 20 mins, cant hold anymore and email customer service, immediately.
Takes Hyundai 48 hours to email back.
XX/XX/XXXX-XX/XX/XXXX : We are emailing between these dates, with a 48 hour turnaround from Hyundai for each email I ask them for a tracking number for the mail. At this point I still dont know what portion I owe and cant start a claim with wear & tear because I need the final breakdown to get the claim started and still have not received anything from Hyundai.
XX/XX/XXXX : They say they will have to charge me for a tracking number.
XX/XX/XXXX : My wife pays money to download a fax app, calls Hyundai and makes them fax us the invoice. They admit on a recorded line that the mail they sent out containing the final invoice came back to them undelivered.
XX/XX/XXXX : We pay IMMEDIATELY our {$400.00} portion due, having finally received the breakdown and now knowing what we owe.
Early XXXX : We are sent to collections for the wear & tear portion ( {$290.00} ). Collections helps us expedite the wear & tear claim.
XX/XX/XXXX XX/XX/XXXX : We are in constant communication with collections/wear & tear/Hyundai getting the claim processed and the check cut from wear & tear.
XX/XX/XXXX : Wear & tear mails check to HyundaXXXX for the remaining portion.
XX/XX/XXXX : Hyundai confirms receipt of check.
XX/XX/XXXX Spoke to Hyundai finance after checking credit report and seeing the derogatory remark. They tell me that the mail containing the final itemized invoice that they sent to us in XXXX and XXXX came back to them undelivered.
XX/XX/XXXX Spoke to Hyundai finance again and even though they know I am in the right, they say they can't remove the disputed item because it would be a " good faith waiver ''.
At no point during the entire 3 months of communication did a rep tell us that we have the option to pay the total and get reimbursed by wear & tear. For the entire duration, we are under the impression that wear & tear only pays Hyundai directly. Because we have been in constant communication with Hyundai, we assume there is no issue. At no point did a rep tell us we were at risk of going to collections and being reported to the credit bureaus. This would have been easily solved with better staff training.
In sum, I was in constant communication about not receiving any mail from Hyundai. I kept inquiring as to where the invoice was and was genuinely concerned as to the whereabouts of the bill and why I wasnt getting it. I displayed nothing other than an eagerness to pay my bill and Hyundai made it extremely difficult for me to pay them what I owed. In all my years of being a customer, I have never made a late payment to Hyundai, and I feel extremely taken advantage of by this corporation.
Enclosed are copies of email records and payment records supporting my position.
Please reinvestigate this matter and help us get the disputed item removed as soon as possible.
Sincerely, Name omitted Enclosures : 1. Fax from Hyundai showing total itemized breakdown of final invoice ( dated XX/XX/XXXX ) 2. XXXX XXXX money transfer confirmation for the {$400.00} portion I owed ( dated XX/XX/XXXX ) 3. Letter from XXXX to Hyundai confirming check for remaining balance {$290.00} was sent ( dated XX/XX/XXXX ) 3. Emails with Hyundai customer service between XX/XX/XXXX - XX/XX/XXXX
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| 10/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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|
Web |
Older American |
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XXXX XXXX XX/XX/XXXX To whom it may concern : I am writing to complain about the service I have received from XXXX XXXX XXXX XXXX ( XXXX ). In XXXX, I leased a XXXX XXXX XXXX from the above mentioned company. The Vehicle was returned to XXXX XXXX, located on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX, since the lease was ending on XX/XX/XXXX. On XX/XX/XXXX I received a statement with a balance of {$790.00} due by XX/XX/XXXX .The statement shows the following breakdown : {$390.00} Disposition fee, which I was aware of and have already succesfully processed the payment.
{$400.00} for Excess Wear and Use.
On XX/XX/XXXX when I have returned the vehicle, I was assisted by XXXX, the only representative at the " Lease-End '' department in XXXX XXXX XXXX location. I was never offered a day or a time for the inspection prior to the vehicle return by her. I was advised only to drop off the vehicle at the location mentioned above and that she will assist me with the rest of the process. Per XXXX 's initial inspection the vehicle was in a good condition, she stated there should not be any additional charges besides the disposition fee of {$390.00}. Upon receiving the statement I called the XXXX Quality Control Department on XX/XX/XXXX and spoke to representative named XXXX, who was very unprofessional in handling my complaint, he was rude and sarcastic. All he said, was if I do not agree with the statement and if I do not believe I caused any damages to the car, I need to transfer the balance to anyone I believe is responsible for it, which did not make any sense to me. He also stated that XXXX 's job is to bill clients, and not to assist with such an issue. After that I have explained him that I have taken pictures of the vehicle at the dealership parking lot on the day of the return ( please see attached pictures below ) and that pictures clearly indicate no damages of any kind. Only after that he advised me to go into XXXX XXXX XXXX enter the vehicle VIN number ( XXXX ) and the account number ( XXXX ) to check pictures of the inspected vehicle and the inspection report, that shows 3 different types of damages which are : 1. LF Carpet Burn Hole 1/8 '' to 1/2 '' 2. LT Rocker Panel Outer Dent/No Paint Dmg 3 '' to 4 '' 3. RF Wheel Curb Rash 7 '' to 8 '' After that I advised XXXX, that I do not recognize none of the damages and they clearly contradict with pictures I have taken on XX/XX/XXXX ( day of the return ).
The website pictures were uploaded on the day of inspection XX/XX/XXXX, which is 8 days after I have returned the vehicle. He only suggested to contact the dealership directly, since he could not assist me any further, He also mentioned that the dealership should be held responsible, since the vehicle was in their posession for that period of 8 days from XX/XX/XXXX to XX/XX/XXXX. Following his advise I called the dealership, and was transferred again to XXXX. XXXX has told me that the dealership can not help me with anything since they do not have the vehicle in their possession anymore, and I need to call the inspection company ( XXXX XXXX XXXX ) The representative at XXXX XXXX XXXX has transferred me back to XXXX, stating that the owner of the vehicle and the company that is sending out the statement is XXXX and I need to deal with them. I have been dealing with this issue since then. Noone is willing to give me any explanation of : 1. why the vehicle was not thoroughly inspected on the day of return XX/XX/XXXX and I was not issued a copy of the inspection report?
2. why was the vehicle inspected 8 days after it was returned?
3. why I was never offered an option to be present at the time of the inspection ( even though it was conducted 8 days after the return )?
4. who is responsible for the vehicle after it has been returned.
None of the above mentioned companies are willing to assist me with the issue I am facing. XXXX representatives are not willing to assist me in any way, however, they have sent me another statement dated XX/XX/XXXX, notifying me that if I do not make a payment of {$790.00}, ( {$390.00} of which has been already paid ) they will utilize a collection agency to collect the payment. Since none of the above mentioned company representatives are willing to communicate to each other or get on a conference call to clear the issue, it makes it impossible for me to resolve the problem I am facing. Realizing that this may damage my credit history as well, I seek for your help. If I do not get help from XXXX and resolve this issue quickly, I will have no choice but to seek the help of an attorney to go after all parties that are involved in this mess, that caused me so much emotional distress and can possibly damage my credit. I hope to hear from you soon. Thank you. Sincerely, XXXX XXXX
|
| 08/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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On XX/XX/XXXX, I had purchased a XXXX XXXX XXXX, VIN # XXXX, from XXXX XXXX XXXX XXXX in Florida. On the date of purchase, I also opted to purchase Gap Insurance for {$740.00}. On XX/XX/XXXX, I was involved in an accident that was deemed to be a total loss. On XX/XX/XXXX, I went back to XXXX XXXX XXXX XXXX to purchase a new vehicle and purchased a XXXX XXXX XXXX XXXX, VIN # XXXX. I 'm including a copy of both sales contracts to this complaint. At this time, I was told by XXXX XXXX XXXX XXXX that the payoff on the totaled vehicle would be handled by them.
On XX/XX/XXXX, my insurance company on the totaled out vehicle deemed the vehicle to be a total loss. A check was issued to XXXX XXXX XXXX in the amount of {$18000.00}. The claim with Gap was supposed to be filed on XX/XX/XXXX which was supposed to cover the difference of what was owed on the vehicle.
I had also reached out to a finance manager by the name of XXXX XXXX who initially assisted me with the purchase. On XX/XX/XXXX, he had received an email from my insurance company stating that the vehicle was a total loss and had forwarded me that email.
On XX/XX/XXXX, I was on the XXXX XXXX XXXX website and noticed that there were late fees and that the existing loan still had n't been paid. I sent an inquiry to them on that same date explaining what was going on, which I 've included in this email. I also reached out to XXXX asking what was going on.
The check that was issued to Hyundai was not cashed until XX/XX/XXXX, three months after the car was totaled. I stayed in constant communication XXXX in regards to why this matter was taking so long. On XX/XX/XXXX, I emailed XXXX again asking his assistance to why this matter was taking so long for GAP to pay out. He responded on XX/XX/XXXX stating he did n't know why everything was taking so long and that he 'd be contacting XXXX XXXX XXXX to see what was taking so long. I 've also included that a copy of that email. This was the last that I heard from them.
I have also stopped in the dealership multiple times trying to rectify this matter and was told that XXXX no longer works for the dealership and now the dealership says there is nothing that can be done and that I have to go through GAP. When I contacted the GAP company in XX/XX/XXXX, I was referred back to the dealership who continued to refuse to help. By this point I did n't know who else I could try to help with this matter. I tried contacting XXXX XXXX XXXX who referred me back to the dealership. With all the time and emphasis up to this point, I felt that I was at a loss.
In XX/XX/XXXX, we started the process of looking to purchase a new home. When our credit was pulled, this matter came back to haunt us. I started working with a representative with XXXX XXXX XXXX to help try and get this matter resolved. We tried contacting the dealership for the XX/XX/XXXX lease for a copy of that contract. They we 're unwilling to provide this. One rep went as far as stating that they have no history of this purchase. We were again told that we need to contact GAP. I contacted them with XXXX XXXX XXXX on the phone on XX/XX/XXXX. After 30 minutes on the phone, we were told that the dealership called and cancelled the GAP contract on XX/XX/XXXX, the same day that we leased the XXXX XXXX XXXX. Also the same day that we were told that the dealership would handle the payoff and GAP claim. I asked the GAP representative if she could provide me with the name on the individual who called and cancelled that GAP policy and I was told that they are not privy to that information. I never gave any permission for this GAP policy to be cancelled, as there should have been a claim filed for the accident seven days prior.
My assumption is that whoever working in the accounting department at the dealership treated this call to GAP as if the totaled out vehicle was a trade, and accidentally did NOT file the loss claim with them as they should 've done. And for this reason, I am being punished by it.
On XX/XX/XXXX, I called XXXX XXXX to lodge a complaint against the dealership. After spending three hours on the phone, along with having to call back because of two calls that were " disconnected '' on their end, their only resolution was that the complaint should be against XXXX XXXX XXXX and that the only thing they can do is try to get the General Manager on the phone to try to improve communication between the dealership and me.
I still have a balance owed that is showing charged off on my credit report. This debt will prohibit me from being able to purchase a new home. My loan closing is scheduled for XX/XX/XXXX and I have to be out of my current rental by XX/XX/XXXX as our current place has been re-rented and the new tenants are scheduled to move in on XX/XX/XXXX.
|
| 08/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XX/XX/XXXX I turned my XXXX Hyundai XXXX lease into the Hyundai XXXX dealership. I did so after working with sales reps at 2 different locations to trade in this leased vehicle and purchase a new vehicle. The first dealership, XXXX XXXX Hyundai/XXXX, presented its own challenges, where I was contacted by someone claiming to be " The Director of Finance '', when in fact he was XXXX, a sales rep at the dealership, trying to swoop in and steal a sale from his associate, XXXX XXXX, who has leased me 2 previous vehicles and I specifically was working with him. XXXX got involved when I submitted my financial data through the website portal, as instructed by XXXX, in order to get prequalified. I did not want to spend a lot of time in the dealership due to COVID. XXXX called me directly, tried to lie to me about his position, and attempted to sell me a car over the phone, ignoring the fact that I was working with XXXX, and I had a XXXX voucher that guaranteed a price that he kept saying I could not receive. Finally I told him I would not work with him and to stop calling me. I spoke to XXXX the following day, apparently the dealership now was unwilling to give me the deal XXXX and I had negotiated. That was frustrating, so I reached out to Hyundai XXXX to see if they would work with me. I was connected with XXXX. XXXX and I spoke entirely through email, I wanted to make sure that I had written documentation of what was being offered to me. I negotiated with XXXX to take my lease, make the last payment AND any overages with mileage or anything else. I was going to get 0 % /84mos financing and a few discounts for being a XXXX. I was very excited to go purchase my first car. I got to the dealership, I brought my laptop with all the emails and an XXXX spreadsheet I made to make sure the numbers were right. XXXX brings in the XXXX of the dealership who sits down while XXXX stands behind him in the corner. The XXXX proceeds to draw a XXXX on a piece of paper and try to change the numbers. I stated no, I had my deal negotiated and was ready to move forward. Every point I negotiated with XXXX seemed to make him upset. He kept asking " who told you that you would get this deal ''. I simply pointed to the guy standing behind him and said XXXX. This little charade went on few 2 hours until finally I stated, I came here for the deal we discussed, if that's not going to happen, then I'll go to a different dealership. They finally relented and I got the deal I came for.
4 months later I picked up a call from a number I didn't recognize, which I seldom do because it's usually a pre-recorded message about switching health insurance or some other telemarketer. To my surprise it was Hyundai Motor Finance, telling me they were attempting to collect a debt. They stated that I had a remaining balance on my lease of ~ {$1600.00}. That number was about {$800.00} in overage miles and an additional {$800.00} from the car itself which was described as " usage or wear and tear ''. That second part was completely news to me, the mileage amount I was aware of, but had been told was going to be taken care. The dealership did in fact make my final lease payment, but nothing more. HMF also informed me that they actually are not the same company as the dealerships, those are independent franchises and they can't communicate with them to sort this out. I have been unable to get in touch with anyone at the dealership, I'm just leaving messages and not receiving calls back. Earlier this week, HMF reported me to all 3 credit bureaus and dropped my credit score by 50 points. In my 16 years of having credit, I have never missed a payment. Not once. My credit reports literally show 99 % positive payment record with this 1 negative mark. HMF refuses to do anything about both of these dealerships being fraudulent in their dealings, they just tell me I have to get it handled myself. The dealership doesn't seem to care, they have no incentive to help me and I have no protection between these two entities. I'm hoping someone at this agency can help me. In addition to the negative credit reporting, they also pulled my credit 4 times when I purchased 1 vehicle. The first dealership claimed that they had to do a credit check as well as Hyundai Motor Finance AND Hyundai America, which didn't make sense at all. Then when I went to the second dealership, they pulled my credit AGAIN and refused to take the first credit report from a different Hyundai, even though it was only 2 days prior and I brought it with me. All totaled Hyundai has really harmed my credit, which is negatively impacting my ability to do anything, I'm afraid what's going to happen when my lease is up soon if I'll be able to rent an apartment or qualify for anything like that. I need help.
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This dispute is regarding the breach of KIA Motors Finance ( KMF ) agreement with me to settle the alleged excess wear and use charges from a leased SUV and improper credit reporting of my account.
For some background, I have disputed the charges KMF alleged for excess wear and use on my leased vehicle from the time I received KMFs invoice dated XX/XX/2021seeking {$420.00}. I attempted to reach a compromise with several representatives over the phone, and ultimately decided to pay {$200.00} on XX/XX/XXXX while I decided to mull over my options.
After considering options, I decided to send a letter dated XX/XX/XXXX to XXXX XXXX, the President and CEO of Hyundai, who I understand is also over KMF, in which I again disputed the amount allegedly owed and included an offer to settle the matter. In the last paragraph of the letter, I stated : As an accommodation, I am willing to pay an additional {$30.00}, which is the amount charged for Sales Tax on the XX/XX/XXXX statement. Combined with the {$200.00} I paid previously, that puts my total payment for the excess wear and use at {$230.00}, which is more than half of the amount requested. I would like KMF to waive any remainder for the reasons articulated above. If that is agreeable, feel free to cash the enclosed check and we can consider this matter resolved.
The check ( # XXXX ) had my KMF account number and PAYMENT IN FULL written on the memo line. Though I did not receive a written response to my letter and offer, the check was cashed on XX/XX/XXXX. Cashing the check constituted acceptance of my offer to settle this matter and my account should have been closed as paid in full. Given that the check was cashed, and that KMF has continued to attempt to collect the rest of the debt, KMF is now in breach of our agreement, in addition to the Fair Debt Collections Practices Act and the Telephone Consumer Protection Act.
After seeing KMFs letter dated XX/XX/XXXX ( which I did not receive until the beginning of XXXX ), I phoned KMFs call center on XX/XX/XXXX and was referred to the PO Box listed above for disputes. The representative said she did not have copy of my XX/XX/XXXX letter, which I found quite suspicious ( and a convenient claim for KMF ) given that the letter was clearly received because the check that accompanied the letter was cashed. I advised the representative yet again that I disputed the debt and asked her to note on my file that KMF is in breach of our agreement. She responded that there would be adverse credit reporting if the account was not paid within 90 days. I told her I did not want that to happen and asked if there was someone I could speak to in order to see if a compromise could be reached. She stated she did not have the authority to do so but that some from the Complaints Department would call me.
I never received a call back. The following week I began receiving notifications from credit monitoring services that my account had been marked delinquent. To prevent further damage, I then called KMF and paid the remaining amount due under protest, given that KMF was in breach of our agreement after having cashed the prior check, and to prevent further damage to my credit. I told the representative I had been told I would receive a call back from the Complaints Department before adverse credit reporting took place but still had not received one. I am still waiting on that call back.
I am dismayed and annoyed at KMFs conduct through this process, and also annoyed for the reasons set forth in my letter of XX/XX/XXXX, which I repeat here for convenience : Regarding the XXXX XXXX, in looking at the photos of the inspection, it appears the tires were all around XX/XX/XXXX tread, which was not excess wear, but the inspector put three of them at XX/XX/XXXX tread, which was excess wear.
Second, it was KIAs delay in the delivery of the XXXX XXXX that caused the need to extend the lease on the XXXX XXXX ( and corresponding extra wear on the tires ).
Third, KMF waited months and months to notify me of the excess wear. Due to this delay, there is no way to verify the condition of the tires.
Fourth, as mentioned, I have been a loyal XXXX customer for nearly 6 years. I have timely made all my lease payments ( and continue to do so on the XXXX XXXX ).
Fifth, and critically, I believe the actions taken here constitute a deceptive practice under the law. In sum, KMF and KIA created the issue by delaying our order for the XXXX XXXX until after the lease extended, then extending the leasewithout notice of the excess wear limitations. At the same time, KMF waited months and months to notify me of their contentions regarding excess damage. This is the very type of deceptive practice that consumer protection laws target.
|
| 12/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
After leasing a vehicle from XXXX XXXX for three years, with all monthly payments made in a timely manner, and all maintenance performed at the dealership from where I leased the vehicle in a timely manner, I turned the car back, after a one month extension expired. I paid {$380.00} for the lease extension fee and another {$1200.00} for outstanding taxes. Each payment was paid by separate check.
On or about the third week of the extension, I received a phone call from XXXX XXXX XXXX informing me that I was delinquent with the monthly lease payment and that I need to make the payment immediately! I politely told this individual that he must be mistaken for I made both the lease payment and the tax payment. And, without missing a beat this person told me that if I didnt make the payment now that my car would be repossessed!
This made me very upset and I informed this caller that he just violated the FDCPA because I didnt think that Hyundai was ready to repossess the car from a customer with a history like mine at this point! I then informed this person that my lease payment cleared my bank on the XX/XX/XXXX in the amount stated above, to which he replied that they applied those funds to taxes! And at point I requested to speak to a supervisor!
A supervisor named XXXX came on the line and I told her everything that occurred with the previous individual and other things that was wrong since the extension began such as the notice I received from the DMV regarding the car registration and the fact that I was told not to register the car for that was Hyundais responsibly. And after expending {$250.00} on insurance, plus the lease and tax fees, I was told that I should go register the car where another {$100.00} registration fee was paid, in addition to {$120.00} for taxi fare was incurred. XXXX then told me that nothing more was due Hyundai. I asked her if that meant I didnt owe anymore taxes and she said that was correct.
The last week of the extended lease I had to bring the car to the service department for a thermostat. And being the XX/XX/XXXX week I was told that the car most likely wouldnt be ready until Thursday the XX/XX/XXXX and I called on the XX/XX/XXXX but was told that it wouldnt be ready until Monday the XX/XX/XXXX! So on the XX/XX/XXXX I got the car out of service, was given a receipt, then immediately drove back into the service area to return the car to Hyundai. I was given a receipt from the return people then went home.
Approximately two to three weeks later, I received a notification of excess wear and tear charge, among others, in the amount of {$740.00} for damages to the tires and curb rash on the wheels. Enclosed therewith were pictures showing gouging in three out of four tires, with extensive wheel rash! I was amazed and in disbelief because after three years I only put XXXX miles on the car and the car was in perfect shape! I immediately contacted the dealer ( XXXX XXXX, of XXXX, Connecticut ) and notified them both verbally and in writing that this damage was not caused by me! I also contacted XXXX XXXX to inform them.
Both the dealership and XXXX XXXX denied any responsibility and in my pursuit of finding facts I began to review both the service receipt and the turn back receipt where I discovered that approximately 90 miles were put on the car while in possession of the dealership during the service they performed! Then after more than a month or two of constant communication the dealership agreed to pay for the excess damage charge.
It was just about this time the I found out that XXXX XXXX XXXX submitted derogatory reporting to the credit reporting agencies which in my opinion was inaccurate, done in bad faith, and hurtful as my score went from a high good rating down to a fair score. My argument was that Hyundai cant misapply my lease payment to taxes, then call me delinquent, then report me to the credit agency! They were aware that I was disputing the debt and I was proven correct so far as with the excess wear and tear damage. The information they reported was inaccurate and just plain wrong, their reporting of due dates were arbitrary and not binding as the debt was in dispute. Furthermore, they were somewhat responsible for the delays since I could never talk with the same individual, that the issue at hand was beyond their authority and when they indicated that a supervisor would have to call me back, I never received a callback! So now its out of control but tonight I did receive a call and a few issues were addressed. However, I was told that the credit department would review this reporting issue but they will only remove perhaps the first derogatory but not the others. This is unacceptable to me for the reasons stated above.
|
| 01/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a new XXXX XXXXXXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXXXXXX and bought both an extended warranty and a service plan with it. The car was totaled XXXX XXXX, and communication with Hyundai both for myself and my insurance company ( XXXX XXXX ) has been appallingly bad. XXXX XXXX sent them the paperwork they needed 3 times between XX/XX/XXXX and XX/XX/XXXX, when they finally acknowledged it and started the process of applying the insurance payoff to the lien, which took another 2 weeks. At the same time, I contacted hyundai motor finance inquiring into the refund process for these products. I filled out an application online XX/XX/XXXX and received word on XX/XX/XXXX that I would be receiving a refund, though not the amount. The email specifically stated that the refund would be issued by my dealer. I sent a reply asking for clarification about the amount and the process and on XX/XX/XXXX I received an email stating the refund amount, which was substantially lower than what I had expected based on talking to the dealer I was working with to purchase my next car. They said I'd be receiving XXXX, when I knew I was owed over {$4000.00}. They said the minimum processing time with my dealer would 3-4 weeks. The would not answer my question about whether this refund reflected both products I had purchased. It did not. Meanwhile, my local dealer was not responding to voicemail or email. It took almost 2 weeks to get a reply from someone at the dealership, and they were surprised to hear that they were the ones to issue the refund. After more delays from them, I made an appointment to go talk to them in person, since they clearly planned to stall as long as possible. When I got there and showed them my paperwork for both products and the part that said I was entitled to a pro-rated refund, they acknowledged I was entitled to a refund and had me fill out the proper paperwork with them. At this point, ( mid XXXX ) I knew that my settlement check from my insurance company to pay off the full amount of the lien had been issued and was in transit, and I wanted to avoid having the XXXX I was owed get applied to a lien that had already been paid off. I had emailed Hyundai Motor finance about this concern XX/XX/XXXX and never got a reply. The dealer and I decided it was best to have him hold the paperwork until the check from my insurance agency had been applied to the lien, and then send it in. I was keeping an eye on my account online so I'd know when that had happened, and on XX/XX/XXXX, two payments showed up on my account : one for XXXX, and the other for XXXX. I emailed my dealer to ask if he had forgotten we were going to hold on to the paperwork and he assured me that he still had it and was waiting for me to give him the word. I called Hyundai and was told that despite everything they had told me about who would be responsible for the refund ( the dealer ), they had in fact processed it themselves, causing the exact problem that I had told them I was concerned about : the overpayment of the loan by {$4400.00}. I asked them how I would get that money and they said that after they received the money from the insurance company, which would take 7-10 days, it would take another 30 to issue a refund. I told then this was absolutely unacceptable and that it needed to be expedited because their own delays and poor communication had caused the problem. This conversation was on XX/XX/XXXX. The customer service agent said she would request this. I called again today, XXXX, to check up, and was told that they were still processing the insurance payment from XX/XX/XXXX, and once that had been completed it would be another 30 days. Again, I told them this needed to be expedited, and the customer service agent put me on hold to look into it, and then disconnected the call. I had to call back and start all over with a new agent, and this one gave me a new piece of information that no one else had mentioned : on top of waiting 30 days for the refund, the refund would not actually be issued to me, but to the party that had paid the lien, my insurance company. This means I would have to go through another process with XXXX XXXX to claw back money owed to me. I asked to talk to her supervisor, and after waiting on hold for quite some time, he insisted on the same time frame and process, until I read back to him all the emails I had received from Hyundai since XXXX and pointed out that if the original email had been accurate, I would be receiving my refund directly no later than XX/XX/XXXX. He took my address to send the check, which he said I would receive by XX/XX/XXXX, but he would not give me a phone number I could use to follow up if it does not arrive. Then he hung up on me.
|
| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Complaint : Hyundai Motor Finance reported my account for a leased vehicle over 120 days delinquent to the credit bureaus. It took them 4 months to close my account after I'd already returned the vehicle to them.
Problems : This inaccurate reporting is negatively effecting my credit and my ability to purchase a home.
Company : Hyundai Motor Finance ( HMFUSA ) What Happened : XXXX of XXXX I leased a new XXXX XXXX for a 36 month term. This was my first lease and it was explained that at the end of my contract I would have 3 options : Keep vehicle and pay balloon payment, Refinance the balloon payment, or Sell the vehicle back to Hyundai instead of paying the balloon payment. The balloon payment was {$17000.00}.
I kept the car the entire term and never made a late payment.
I contacted Hyundai to make sure I handled the turn in of my vehicle correctly in XXXX of XXXX ( 2 months before vehicle return was due ). I got a timely inspection done. I paid {$250.00} in estimated repair costs ( car was in practically immaculate condition and over XXXX miles under mileage allowance ) and I paid the {$400.00} disposition fee totaling {$650.00}. They told me to turn my car in at any authorized XXXX XXXX. I returned the vehicle to XXXX XXXX XXXX XXXX XXXX. I admit the personnel on location did not seem too confident on how to proceed with the return, but they contacted Hyundai Motor Finance directly via phone and Hyundai Motor Finance gave the staff there specific instructions. I then signed a limited power of attorney for purposes of transferring title back to XXXX. At the end I was given a VEHICLE RETURN RECEIPT signed by myself and a Representative at the XXXX XXXX XXXX on XX/XX/XXXX. I asked if there was anything else I needed to do to make sure my account was closed they said that was all. I also contacted Hyundai Motor Finance via phone to make sure there was nothing else I needed to do to ensure the proper and full closing of my account or if I needed any additional paperwork. They told me there was nothing else on my end.
I check my XXXX XXXX pretty regularly because I wanted to start preparing to purchase a home. I noticed that my account was still showing open. I contacted Hyundai to find out why. They advised it could take some time ( 45 days ) but it should be closed soon. So I wait I called back a couple times and nobody could seem to help me, but at the time, I just wanted the account to show closed because the debt still showed this balloon payment. On XX/XX/XXXX I called Hyundai Finance again, and representative Bill in Lease End Department and inquired why my account still wasn't closed months after i returned my car. He explained that my car was grounded and delayed somehow in getting to auction and as of that day had been at auction 30 days. He said account could not be removed from credit report because proceeds would come from sale at auction. Nowhere is this mentioned in the sales contract or any addenda. To my knowledge once I handed over the keys and signed the car back over to Hyundai, I should've been released of any responsibility. He said this situation was not typical and to wait longer for it to process. He also told me it wasn't negatively impacting my credit because my account showed current. I told him that wasn't the point, there was an {$18000.00} debt on my name that did not belong to me showing active on my credit and it could hinder me in my home-buying process. He said he could provide my bank with a lease balance letter showing I had 0 payments left. I was agreeable to this. Moments later he comes back on the line and says he can not do that or close the account because my account was a balloon payment. So I wait more. XX/XX/XXXX I contact Hyundai Motor Finance again. I speak to rep XXXX in Lease End Dept. I explain the situation, ask again why several months have passed and the account still isn't closed. He reviews my account and assures me it will be closed by Friday. The account was finally closed XX/XX/XXXX. I check my XXXX XXXX again and now all of a sudden it shows my account closed, but XXXX, XXXX, XXXX, and XXXX show account past due and my credit score plummets. I contact Hyundai and the rep in customer service acknowledges those late payments don't make sense after reviewing my account and I explain the situation and she sees the vehicle was returned in XX/XX/XXXX. She says but at this point it has already been reported to the credit bureaus and I would have to handle it through them. I am hoping this will get me better results, and I do have my original contract as well as my Vehicle Return Receipt. Not once in 3 years did I pay late and I did everything I was told to do and still was not handled properly.
|
| 08/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
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This problem involves a complaint I have by me to Kia Motor Finance. On XX/XX/XXXX XXXX I signed a lease agreement with Kia Motor Finance in order to finance a XXXX Kia XXXX. The pages of the document will be attached. The vehicle was involved in a total loss incident on XX/XX/XXXX. My insurance has gotten a letter of guarantee for the title, they have sent Kia Motor Finance the requested amount of {$35000.00}.
From that point I have called Kia Motor Finance twice asking about what the residual value of the vehicle should be and what equity I should get back. I have called twice, talked to a supervisor twice and received no definitive answer on the amount that I should be owed back as equity of the vehicle. Two different supervisors were unable to read or understand the terms of the contract as it relates to total loss. They pretended like Early Termination of a lease contract as it relates to Total Loss isn't in the lease contract. It is. I've read it. I've spent over two hours separately trying to get their supervisors to understand that, in the lease contract, there are conditions to total loss and there are numbers and letters and terms that they could very easily follow along to get to the same conclusion that I did, but they refused to do that. They refused to state any possible amount and brushed it off as if a different department handles total loss, and that they're incapable of performing simple math calculations. I had asked them if I could have faith that they will honor the letter of the contract that I signed with Kia Motor Finance as it relates to the terms and conditions of a total loss event. Turns out they could not verbally commit to that. That's not even the complaint.
My complaint is that the check that they have sent me for a " XXXX XXXX '' is short by over {$1500.00} from what it should be based on the terms outlined in the contract. In the event of a total loss as outlined in Section 25A ( LOSS OF VEHICLE ) of Kia Motor Finance 's Motor Vehicle Lease Agreement, it refers to Section 22C ( i ) ( c ), which states that, " if this lease is terminated in connection with a total loss, the early termination charge you owe will be the Standard Formula, minus the early termination fee referenced in Section 22C ( i ) ( x ) ( 2 ) ''.
The Standard Formula as outlined in Section 22C ( i ) ( x ) is " The sum of ( 1 ) the difference, if any, between the Adjusted Lease Balance and the Vehicle 's Realized Value.. '' Okay, so what's my Adjusted Lease Balance? It's right here in Section 22D. ADJUSTED LEASE BALANCE. It's " the Adjusted Capitalized Cost disclosed on page 2 of this lease, less all depreciation and other amortized amounts accrued up to the termination date calculated by the Constant Yield Method. " Constant Yield Method means the method of determining the rent charge portion of each base monthly payment ... '' The rest of the wording will be attached below.
Okay, so what's my Adjusted Lease Balance? From the wording of the contract, it should be my Adjusted Capitalized Cost, which is on page 2, {$32000.00}, MINUS all the monthly payments I have made on the vehicle thus far, which is 17 payments in the amount of {$340.00}. This amount totals {$5800.00}. So my Adjusted Lease Balance at the end of my last payments before the vehicle was considered a total loss should be {$26000.00}.
In Section 22C ( i ) ( c ) EARLY TERMINATION LIABILITY : Early Termination in connection with a Total Loss, the early termination charge you owe will be the Standard Formula minus the early termination fee.
Okay, so in order to release the title of the vehicle in relation to a total loss, I will owe the difference between my adjusted lease value, and the vehicle 's realized value. My insurance got the Letter of Guarantee for the amount of {$35000.00} and sent off the check for the amount of {$35000.00}. The difference between the Vehicle 's Realized Value and the Adjusted Lease Balance ( Vehicle 's Realized Value which my insurance paid out ) is {$35000.00} - {$26000.00} = {$8300.00}.
My insurance overpaid for Kia Motor Finance 's Letter of Guarantee by over {$8000.00}. That's the equity of the vehicle that I should receive. That's the amount that should be REFUNDED to me, as the person who signed the contract with Kia Motor Corporation. If my insurance paid out under the amount of {$26000.00} I would have been left to pay off the remainder!
Kia Motor Corporation sent me a check as a refund in the amount of {$6800.00}. This is the wrong number. They have provided no explanation for how they do their calculations or how they have determined this amount because it surely isn't conducted following the letter of the contract I signed with them.
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| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I had a lease from XXXX XXXX XXXX that was not ending until XX/XX/XXXX. In XXXX of XXXX, they called and asked if I was interested in a new lease, I said no, I like my car and my lease wasn't up until XX/XX/XXXX. The sales person kept calling and pressuring me so I eventually went to dealership. I explained to them that I knew my credit score was low, but I was told that because I was an existing customer and this was my XXXX car with them, that I was guaranteed approval. I filled out their credit application and after waiting for several hours I was eventually told I had to make downpayment of {$3000.00} to get a new vehicle. I of course was not prepared for this so I declined and left.
I checked my credit report a couple weeks later and saw that were 14 new inquiries added to my credit report. I was shocked and upset. XXXX XXXX XXXX never told me they would run my credit with 14 different banks. They had told me that because I already had a lease and I had a good payment history with them, I was guaranteed a new vehicle regardless of my credit score. They lied.
I have attached the inquiries which all have the same date of XX/XX/XXXX and XX/XX/XXXX.
In XX/XX/XXXX I was once again contacted by XXXX XXXX XXXX by a sales associate by the name of XXXX who once again was promising to get me into a new lease. I explained to her what had happened before and that I was not interested in having 14 new inquiries added to my report again like they did last time and that I did not have {$3000.00} to make down payment either.
XXXX from XXXX XXXX XXXX assured me that my credit will only be run with 1 bank and that I would not have to make any downpayment. She sent me a link by text and asked me to fill out credit application before I even came into the dealership. I filled out application was told by XXXX I could come and pick up car on Saturday.
I have attached the copy of the text.
So I went to dealership and upon walking in I was approached by at least 3 Hyundai staff members who told me I could not speak with XXXX and tried to usher me into a room. While they are doing this I can see XXXX hiding in the background trying to avoid making eye contact with me. This was very weird and I asked why? They told me that XXXX was stealing other sales teams accounts and I had to speak to my original salesperson. This was very disturbing and very unprofessional to me as I had spoken to her several times and had shared my personal information with her, my social security number, financials, etc.
So after sitting there for hours I was told by this different salesperson that I had to pay down {$2000.00} for new lease because of my credit score. I was very upset because I was told to come in to pick up a vehicle that was already approved by credit application I submitted with XXXX by text earlier. He told me that was a lie because she had never even ran the application and doesnt know why she would tell me that knowing it was not guaranteed.
So they lied to me a second time.
A couple weeks pass and I go to check my credit report and AGAIN they have added another 14 new inquiries to my credit report. All dated XX/XX/XXXX. I was infuriated as I was promised by XXXX XXXX XXXX that this would not happen again. I have a total of 28 inquiries on my credit report because of them pressuring me to get into a new lease that I never asked for.
I have attached inquires.
When I called XXXX XXXX XXXX to complain about the matter I was told that XXXX was fired and no longer works there and they would not provide me with any more information. I suspect that she has ruined many peoples credit working there and they must have known she was doing this and they are now trying to disassociate themselves from her when she worked for their company and was authorized to do this by them.
XXXX XXXX XXXX took advantage of me. They harassed me by calling me constantly to pressure me into getting a new lease even though I still had 6-8 months left on my existing lease and was happy with my current vehicle.
XXXX XXXX XXXX decided to play Russian roulette with my credit score by submitting these credit applications over and over to all these different 14 banks hoping that one of them would hit and they could get me into a new car lease for their benefit. Even when I told them my credit score was low, they didnt care they still ran my credit. Even when I told them the 2nd time I didnt want all these inquiries I was lied to and told it would only be 1 bank.
I am now suffering from having these 28 inquiries on my report and it makes me look like a bad and risky consumer. They lied and took advantage of me and I would like these inquiries removed.
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| 02/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : Account # XXXX VIN # XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, I am writing to you regarding the above referenced account for a leased XXXX XXXX. I am in receipt of a collection notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This agency has been retained by XXXX to collect on the end of lease fees ( all inclusive ) in the amount of {$1200.00}.
I am not only appalled by this action taken by XXXX, but furious at the neglect and lack of competence of the Lease Maturity Servicing Team based in XXXX, TX.
Background information as it relates to this lease.
1. On XX/XX/XXXX, I signed a Lease Extension Agreement for the course of 6 additional months from the initial expiration date of XX/XX/XXXX and agreed to make payments in the sum of {$290.00} 2. On XX/XX/XXXX at XXXX XXXX., CST and inspection was conducted by inspector # XXXX under inspection ID XXXX. This was conducted by XXXX ( XXXX XXXX XXXX ) a company retained by XXXX 3. On XX/XX/XXXX, the vehicle was turned in to XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX 4. On XX/XX/XXXX, I received a letter from XXXX, seeking a total of {$1200.00} ( {$400.00} Disposition Fee & {$860.00} Excess Wear and Use ) Upon the receipt of this bill, I contacted XXXX to discuss the bill. Here is a synopsis of the conversation ; I had in good faith done a pre-maturity inspection to determine any repairs to avoid such fees. In the inspection report of XX/XX/XXXX, line 2 : ExteriorBumper Cover scratch heavy 3 to 4 in the amount of {$250.00}. Now, I was advised by the inspector that Hyundai had a tolerance of less than 2 to avoid any fees assessed. He further went on to say that if the cosmetic scratch was to be touched up by OEM paint, that would be considered acceptable as per the contractual agreement by Hyundai. On XX/XX/XXXX, I purchased the original part from XXXX XXXX XXXX ( part # XXXX ) touch-up paint in Anthracite Gray.
When the vehicle was surrendered to the dealership, I was advised by XXXX XXXX head of Finance & Lease Returns at XXXX XXXX XXXX that a final inspection would be conducted by XXXX before disposing the vehicle at an auction or selling it via a pre-owned car dealer. Hyundai never completed an inspection post Lease Termination to determine the amount owed, but took into account a report which was more than 90 days old.
After my conversation with XXXX in XXXX, XXXX. I received a call from the Lease Maturity Servicing Team in mid to late XXXX, XXXX. On XX/XX/XXXX after a conversation with an agent, I was asked to send an email disputing the total charges in the amount of {$860.00}. In that email, I included images in color, specific to the rear right bumper as listed in the Inspection Report of XX/XX/XXXX. In that email, I also included the invoice for the Paint which was purchased at the dealership. These were required by the agent with whom I spoke. On XX/XX/XXXX, I received a follow-up email asking me once again for the account #, which had been provide on 4 previous occasions. I responded to the email on XX/XX/XXXX, with the requested information.
After sending this information to the Lease Maturity Servicing Team on XX/XX/XXXX, I heard nothing from XXXX, there were no calls, no follow-up letters and or my original request to send an amended statement for end of lease charges. However, XXXX instead retained a collection agency to collect on their behalf. As of the date of this letter, I have yet to receive any updated documents showing the correction of {$250.00} from the total amount.
As a blatant disregard to my communication and sincere efforts to pay the amount due, I am now pursuing this matter with the Commissioner of Consumer Affairs not only in the State of CA but also the State of Texas. In addition, a copy will be sent to the Federal Trade Commission, to highlight Deceptive Business Practices by XXXX XXXX XXXX.
I have contacted the collection agency, to advise them to cease any communication as the amount stated in the demand letter is incorrect.
In conclusion, I have every intent to resolve this matter amicably and paying the amount duly owed to XXXX XXXX XXXX. In the event HMFUSA and the retained collection agency do not correct this matter, I will then pursue this matter with CFPB under the violation of The Rosenthal Fair Debt Collection Practices Act California Civil Code 1788 et seq. Please send me an updated bill at your earliest so that I can pay the amount due.
Sincerely, XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX
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| 04/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am a cosigner on a vehicle lease with my daughter through Kia Motor Finance. On XX/XX/XXXX the vehicle was deemed a total loss. Our insurance company issued 2 checks, the 1st check was in the amount of {$8900.00} on XX/XX/XXXX and the 2nd check in the amount of {$4900.00} on XX/XX/XXXX for a total of {$13000.00}. I called Kia Motor Finance at XXXX XXXX XXXX on XX/XX/XXXX to confirm receipt of payment and was told by the rep at that time they received both checks and the loan was paid to a XXXX balance. I continued to monitor my credit report and was waiting for Kia Motor Finance to reflect the changes, by XX/XX/XXXX I realized they were still reporting an open active account with a balance owing of {$2600.00}. I called Kia Motor Finance at XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX who explained to me that the loan was still showing open and active but confirmed they received payment from XXXX so he was not exactly sure as to why this was not closed out. He mentioned that an email had not been sent to the lease buy out team to close out this account. I asked if he can please follow up on this and send the " email '' with whatever information they needed. He assured me that he would. I asked if he can call me back to confirm once this is resolved and I was told that they do not make outbound calls and that I would have to follow up within 3-5 business days. I called again on XX/XX/XXXX and spoke to XXXX at XXXX XXXX XXXX he confirmed the same as the previous rep, that the full amount was received by the insurance company but the loan was still active and it has not been closed out. I asked if the email was sent to the lease buy out team as stated by the previous rep that needed to be done. He was not sure and said he was not able to give me any further information, at that point I asked for a Supervisor. I was then transferred to XXXX, she informed me that she was the Supervisor and that she would look into this matter for me and would send another follow up email to the lease buy out team and would make an exception to their " no call back '' rule and contact me by the following Tuesday XX/XX/XXXX with an update. I never received a call back from XXXX. I called again on XX/XX/XXXX at XXXX XXXX XXXX and spoke to XXXX XXXX, he informed me the same as the 3 previous reps, still showing active and has not been closed out. He was confused as to why this was not closed out and also confirmed payment received from the insurance company, said he would follow up with the buy out team and asked me to call back in 3-5 days. I asked if someone can please call this department or if I can speak to them directly. He said they only communicate via email and he was not able to call me back either I would have to follow up with them again in 3-5 days. I called again on XX/XX/XXXX at XXXX XXXX XXXX and spoke to XXXX he advised me that the loan was still showing active and that they were waiting for information from the dealership with the ground date and end of term bill. I told him this was the 1st I was hearing this and that we needed to get the dealership on the line ASAP to get this resolved. He then put me on hold and came back to say that was incorrect information and that he was not sure as to why the loan was not closed out and that was all he can tell me at this time. He then told me that there was a balance owed on the account in the amount of {$310.00} and a payment due on XX/XX/XXXX for {$150.00}. I told him that was the 1st I'm hearing of a balance owing and payment due, something is not right and that I keep getting conflicting information with no resolution. I explained that I have not received anything from Kia Motor Finance in regards to a balance or a payment due. I asked if there was anything that can be done to escalate this matter as I need this information to be corrected and updated on my credit report immediately. He said unfortunately not that I can speak to his Supervisor but they will tell me the same. At that time I asked for a break down of payments they received from the insurance company ; he advised a payment of {$7500.00} was received XX/XX/XXXX and {$4900.00} on XX/XX/XXXX ( which are incorrect amounts ). I asked for a account history to be emailed to me, he said he would submit a request and that I should receive it within 3-5 business days. I expressed my frustration in this matter and that I will have no other choice but to submit a formal complaint he said that was fine. I also asked for their Corporate contact information he gave me Kia Motor Finance Corp XXXX XXXX XXXX XXXX XXXX Ca XXXX, fax # XXXX XXXX XXXX and gave the Presidents name of XXXX XXXX.
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| 02/04/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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First I have several situations pertaining to this matter. I was only able to click one. So I will list the rest within this complaint. My vehicle was repossessed in XXXX XXXX Texas while visiting family for XXXX. I dont live in the state of Texas XXXX I live in Arkansas. So when they repossessed my vehicle which I feel they shouldve told me knowing that Im a resident of Arkansas that they was taking the vehicle. It was parked outside of a hotel. By them doing this me and my family was stranded in Texas for over 2 weeks. I never once hid the vehicle. When I arrived to retrieve my belongings out of the car. There was real bad front bumper damaged done to the car. Looks as if it was hanging at some point. Due to the zip ties I saw. That was not there. I called the finance company and they told me to contact the towing company. Which I feel the finance company shouldve done since they hired this company. They damaged my property. I have a video of the car. There also was a dent that wasnt there either. It was right above the fender on the drivers side above the tire. The ONLY documented damage to my car was on the passenger side due to someone side swiping me. That happened in XX/XX/XXXX. It was scheduled to repairs in XX/XX/XXXX. That couldnt happen when they had repossessed my vehicle in XX/XX/XXXX. Next, they really didnt give me the opportunity to try to get my vehicle back. They sent a letter stating that they have my vehicle and something about it being sold. They did not send me any information about the sale of my vehicle, the date, time nor the place of the auction. So this wouldve gave me a chance to retrieve my vehicle back. According to the Arkansas law. They was supposed to notify me through a letter. Texas law is the same as well. So with that, that gave me NO chance at ALL to try to get my vehicle back in good standing. This financial company really doesnt work or try to work with you on your financial breakdowns. They dont refinance, they offer one hold back if you cant pay your note. But it has to be in good standing. Ive tried to get back on track. There was things that transpired while trying to pay for my loan. Missing lots of work due to workplace injurys, roommate left, left me with all of the responsibilities while they broke our lease doing so. Family members getting XXXX at that time it was 14 days so it was lots of things that had me behind. But for them to not notify me of the sale and damages my vehicle feels like a cover up. They sent me a letter saying how much it was sold for. They sold that vehicle for XXXX which was way below its value. They didnt try to get the face value of my vehicle. Which was a XXXX XXXX under XXXX miles brand new tires Hyundai Motor Finance company sold my car and didnt make an effort to sell my vehicle for fair market value. I want to know when and where & who has my vehicle. They are asking me to pay XXXX}. Which I know is incorrect. My property was damaged by them and the towing. They breached my peace so bad and leaving me and my family stranded in another state. That amount needs to be adjusted to cover the damage they caused. Heres a list of things they didnt do for me THE LAW SAYS, and I quote : the lender is legally required to send you a notice that includes important information before your car is sold. You also have the right to " redeem '' your vehicle after it has been repossessed by paying the total remaining balance along with any repossession costs. However, you must exercise this right before the vehicle is sold They did NOT do any of these things so I could at least had a chance. As of right now XXXX cant afford to have a wage garnishment. Ive already took the first steps to filling bankruptcy. Also, and I quote : They must send you written notice prior to the sale stating : a description the vehicle that it is a sale that you are entitled to an accounting of the unpaid indebtedness and any charge for an accounting the time and place of a public disposition or the time after which another disposition is to be made any liability for a deficiency a telephone number to redeem collateral a phone number or mailing address from which more information about the sale is available NONE of this was done for me or too me. I feel like by them NOT doing these things They really didnt want me to have my vehicle back or work with me to give me a chance. This wasnt my first vehicle with this financial company. My first one ended with them due to the fact that I was reared with having that vehicle 7 months. So I dont know why they didnt work with me, or provide any assistance or information that couldve possibly helped me.
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| 03/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Account # XXXX VIN # XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, I am writing to you regarding the above referenced account for a leased XXXX XXXX. I am in receipt of a collection notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This agency has been retained by XXXX to collect on the end of lease fees ( all inclusive ) in the amount of {$1200.00}.
I am not only appalled by this action taken by XXXX, but furious at the neglect and lack of competence of the Lease Maturity Servicing Team based in XXXX, TX.
Background information as it relates to this lease.
1. On XX/XX/XXXX, I signed a Lease Extension Agreement for the course of 6 additional months from the initial expiration date of XX/XX/XXXX and agreed to make payments in the sum of {$290.00} 2. On XX/XX/XXXX at XXXX XXXX, CST and inspection was conducted by inspector # XXXX under inspection ID XXXX. This was conducted by XXXX ( XXXX XXXX XXXX ) a company retained by XXXX 3. On XX/XX/XXXX, the vehicle was turned in to XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX 4. On XX/XX/XXXX, I received a letter from XXXX, seeking a total of {$1200.00} ( {$400.00} Disposition Fee & {$860.00} Excess Wear and Use ) Upon the receipt of this bill, I contacted XXXX to discuss the bill. Here is a synopsis of the conversation ; I had in good faith done a pre-maturity inspection to determine any repairs to avoid such fees. In the inspection report of XX/XX/XXXX, line 2 : ExteriorBumper Cover scratch heavy 3 to 4 in the amount of {$250.00}. Now, I was advised by the inspector that XXXX had a tolerance of less than 2 to avoid any fees assessed. He further went on to say that if the cosmetic scratch was to be touched up by OEM paint, that would be considered acceptable as per the contractual agreement by XXXX. On XX/XX/XXXX, I purchased the original part from XXXX XXXX XXXX ( part # XXXX ) touch-up paint in Anthracite Gray.
When the vehicle was surrendered to the dealership, I was advised by XXXX XXXX head of Finance & Lease Returns at XXXX XXXX XXXX that a final inspection would be conducted by XXXX before disposing the vehicle at an auction or selling it via a pre-owned car dealer. XXXX never completed an inspection post Lease Termination to determine the amount owed, but took into account a report which was more than 90 days old.
After my conversation with XXXX in XXXX, XXXX. I received a call from the Lease Maturity Servicing Team in mid to late XXXX, XXXX. On XX/XX/XXXX after a conversation with an agent, I was asked to send an email disputing the total charges in the amount of {$860.00}. In that email, I included images in color, specific to the rear right bumper as listed in the Inspection Report of XX/XX/XXXX. In that email, I also included the invoice for the Paint which was purchased at the dealership. These were required by the agent with whom I spoke. On XX/XX/XXXX, I received a follow-up email asking me once again for the account #, which had been provide on 4 previous occasions. I responded to the email on XX/XX/XXXX, with the requested information.
After sending this information to the Lease Maturity Servicing Team on XX/XX/XXXX, I heard nothing from XXXX, there were no calls, no follow-up letters and or my original request to send an amended statement for end of lease charges. However, XXXX instead retained a collection agency to collect on their behalf. As of the date of this letter, I have yet to receive any updated documents showing the correction of {$250.00} from the total amount.
As a blatant disregard to my communication and sincere efforts to pay the amount due, I am now pursuing this matter with the Commissioner of Consumer Affairs not only in the State of CA but also the State of Texas. In addition, a copy will be sent to the Federal Trade Commission, to highlight Deceptive Business Practices by XXXX XXXX XXXX.
I have contacted the collection agency, to advise them to cease any communication as the amount stated in the demand letter is incorrect.
In conclusion, I have every intent to resolve this matter amicably and paying the amount duly owed to XXXX XXXX XXXX. In the event XXXX and the retained collection agency do not correct this matter, I will then pursue this matter with CFPB under the violation of The Rosenthal Fair Debt Collection Practices Act California Civil Code 1788 et seq. Please send me an updated bill at your earliest so that I can pay the amount due.
Sincerely, XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX
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| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have already submitted a claim about this to Kia both directly and through CFPB ( XX/XX/XXXX - ID # XXXX ). Kia Finance reported their response and the claim was closed even though the documents that THEY PROVIDED proved exactly what I was asking them to remove from my credit report. They included two documents that showed they had received a lump sum check from my car insurance company for {$14000.00} as of XX/XX/XXXX & the balance was a supposed deductible of {$1000.00} ( which was never told to me ). I leased a bread new Kia with them ( UNDER MY FATHERS NAME - XXXX XXXX ) and was told nothing was due and that they would eat most of the extra fees for me and roll in anything else that they had to into my payments. This was the 3rd Kia I had bought or leased between myself and my husband and so I took what my salesman and the XXXX of finance on their word. So, 1. This {$1000.00} needs to be removed from my credit report, as they updated my report to state that the {$1000.00} was written off. The account was charged-off However, if this is NOT THE CASE, someone at Kia Finance needs to look into and see if this fee was rolled into the payment somehow or if my father ended up paying it under his acct ( bc my credit took a turn for the worse in XXXX, he was paying most of the finances then ).
2. Kia Finances own document, dated XX/XX/XXXX, state As of today, all funds received from your total loss claim have been applied to your account ; however, there is still a balance due. Again, having NO awareness of this. You would think a phone call or a letter in the mail or even if necessary sent to a debt collector. Nothing. That is why I think the fee was paid nub working out a deal with the new lease OR it was paid but not under my name. We did later realize that Kia was sending me e-documents, however when my father put the new XXXX leased Kia in his name the email address he put on file wasnt mine so I never received ANY documentation from Kia, EVER! I always had to call if I had a question or have my father call for me.
So if you go back to the original claim, it asked me 3 questions in response to Kias answer.
You can look them up there or I have cut and pasted them here for you : ( 2nd Dispute with Kia on CFPB site : XX/XX/XXXX ) 1. The companys response addressed all of my issues? NO - The company clearly states that my insurance company paid them a lump sum settlement payment and then there was ONLY {$1000.00} left as a deductible that I apparently needed to pay. This is/was news to me, as I was told that any monies would be rolled into the brand new XXXX Kia XXXX that they leased me due to the total loss of the prior leased XXXX model. On their documents that they provided, it shows that they received {$14000.00} from my insurance on XX/XX/XXXX. Then, on a second page directly from Kia Finance it also states, As of today, all funds received from your total loss claim have been applied to your account ; however, there is still a balance due. So, they are stating twice in official writing that they received the funds and also stating that they did in my complaint here too. The issue is that my complaint reflects that I owe {$16000.00} and they went back and started charging it as negative all the way back to XX/XX/XXXX. I already leased a new car with them, in XX/XX/XXXX & no one ever told me about a {$1000.00} payment owed. I was told everything was covered due to my gap insurance and my full coverage car insurance + the lease agreement guaranteed me a new car. I would like Kia to check their records to see if the {$1000.00} was rolled into the payment on my XXXX Kia XXXX EX under my fathers name, XXXX XXXX. My credit score had decreased by XXXX so the new lease went in his name. So, I can not say if the {$1000.00} was taken care of or not. However, it looks like Kia has just decided to write-off the {$1000.00} and then charge off the account. So, if they wrote off the {$1000.00}, Kia can go check their records. Kia CAN however remove EVERY ELSE BUT the {$1000.00} from my credit report as of XX/XX/XXXX. The day they themselves claim they received a settlement payment and there was only {$1000.00} due ( according to them ).
2. I understand the companys response to my complaint? NO - They said that they received money from my car insurance company AND I LEASED ANOTHER CAR WITH THEM, yet why as I still being charged every month negatively on my credit report? If since XX/XX/XXXX all I have owed ( according to them ) is {$1000.00}. That is NOT reflected on the report.
3. The company did what they said they would do with my complaint? NO - See above explanation.
|
| 06/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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XX/XX/XXXX RE : XXXX XXXX Hyundai Motors of America ( HMA ), Acct # XXXX, ( CFPB ) Case # XXXX, To whom this may concern, XX/XX/XXXX, the Covid-19 pandemic broke out and effected millions across the nation, which eventually led into massive job losses, delayed unemployment benefits, delayed stimulus payments, delayed federal extensions, paused government and financial institutions to no fault of the consumer what so ever. XX/XX/XXXX, my federal extension was cut off without good reason by The State of Californias Employment Development Department ( EDD ). By doing so, it resulted in delinquent payments and destroyed my credit to no fault of mine, see ( EXHIBIT A, Pgs. 1-3 ). These exhibits clearly indicate my years of good standing credit prior to the Covid-19 outbreak, then plummets drastically because of the delays mentioned above. Recently, after one year and nine months, questioning ( EDDs ) adverse actions, XX/XX/XXXX, ( EDD ) miraculously released the missing federal extension payments, see ( EXHIBIT B, Pgs. 1-2 ). If ( EDD ) processed the extension timely, it would have prevented the delinquent payments. Now, I am faced with a bankruptcy for the first time at a cost to me, which is unacceptable, disturbing, and concerning for a matter I did not create.
I did reach out to The Department of Financial Protection and Innovation ( DFPI ). I argued the same mentioned above, however, the ( DFPI ) would not engage. In my view, there are no laws or safeguards that would protect a consumer from an event that has never taken place before. Because of the pause, it created a massive financial disruption that nobody has ever encountered before. I strongly feel, I am one of thousands, perhaps millions of consumers that was dealt a brutal blow because of the circumstances mentioned above.
Furthermore, I find it very disturbing, as of lately there is a record number of bankruptcies being reported by consumers and businesses of all kinds. Consumers were given stimulus checks and federal extensions as well as businesses and now the majority are failing because of the pause, which is disturbing and concerning. I strongly feel all financial institutions do understand what has taken place. In my view, these financial institutions are Steam Rolling consumers for financial gain by taking advantage of millions of consumers who have delinquent and defaulted loans, which was created by the unforeseen historic Covid-19 outbreak.
These circumstances were way beyond the control of the consumer. ( HMA ) has failed to recognize the impact this matter has created and simply do not want to. I have found out through my time spent with this matter, all lenders I have had accounts with acted in the same manner and hid behind their terms and conditions, which are dated and do not apply to this unique circumstance. There is nothing in writing within ( HMAs ) terms and conditions that would describe how they would operate during a complete government and financial institution shutdown, because that event has never happened before in history.
Again, in my view, there are no laws or safe guards that would protect a consumer regarding this never seen before catastrophe. So, how is a consumer supposed to protect oneself with no laws or safe guards set in place? I strongly feel, the banking institutions are fully aware of what they are doing and nobody is talking about this. So, where does that leave the consumer against these financial giants with zero resources to protect oneself against their relentless pursuit to obtain payment? Most of the nation, including myself are now being heavily impacted three years later, as its all falling apart right in front of the nations eyes with still no solution or recourse, why not?
Finally, the fault and blame lead back to the unforeseen Covid-19 outbreak and ( EDD ) for their inexcusable adverse actions. ( EDD ) did the right thing by issuing the past due amount. ( HMA ) must and should reverse the negative credit report to reflect a good credit standing. I strongly feel this is the appropriate remedy to extinguish this matter due to their inexcusable patterns of unethical business practices, which has gone unnoticed.
Lastly, I respectfully request the ( CFPB ) to investigate this matter, as I have only noted the obvious throughout my complaints. If this matter is not under the jurisdiction of the ( CFPB ), please provide the appropriate agency or agencies that may be of assistance.
CONCLUSION I respectfully request ( HMA ) to reverse any negative credit reporting and bring my account current.
Respectfully, XXXX XXXX
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I paid for my vehicle in full ( payment confirmed processing by their automated system as of XX/XX/2023 ) before the maturity of the lease and have never received my title ( which was supposedly sent out XX/XX/2023 but with no tracking number or case number or anything they will tell me because apparently they don't even have a one within their own company, not even for the mail carrier they use. Also wild that they sent out the title supposedly 3 days before they even confirmed that my payment was fully processed. Weird. ). The title should have arrived well before today ( XX/XX/2023 ) because the estimated delivery time is XXXX business days.
The website will only state whether or not the title was sent out by Hyundai. From the customer 's end, we can not even check to see exactly when it was sent out, what parcel service they're using, or anything relevant at all regarding the document. For all I know, the website just states that it was sent out without them actually going through the process because they can provide the customer exactly nothing as proof that it was sent out. Actually no useful information. At all. Coincidence? I think not.
There's no helpful information that any of the representatives can give me because all they do is tell me to go pay for a replacement title. This is unacceptable. The replacement title isn't sent to me directly from the DMV, but instead the DMV sends it to Hyundai for them to forward it to me. This is so inefficient. For what? So that Hyundai Motor Finance can once again fail to send it to me by not providing tracking and conveniently show no proof of delivery or provide me with the ability to track what's going on with my request when I inevitably don't get it for the 2nd time? If you do something wrong the 1st time, then maybe try something different ( like adding tracking ) & not do the same wrong thing multiple times expecting different results.
The fact that this is a recurring issue and they willingly choose to not send out the titles with a tracking number when it's such an important document is beyond me. I know this is deliberate because there's no way this is the first time they've received this kind of issue so either they're not interested in improving their service with this very clear problem they have, or they're electing to ignore it. This is certainly not the first ( nor will it be the last time ) that they've received complaints from customers similar to me who have not received titles in a timely manner, and even just a quick search online about the topic online yields numerous complaints about people who have been told misleading information & told to go pay an additional fee to the DMV to request a replacement title. I've never had this issue from literally any other company. Just Hyundai. Hyundai is notorious for their lack of cooperation and failure to deliver pink slips.
If only requesting a duplicate title would fix the problem! But it doesn't. Because the replacement title once again does not get sent as a tracked mail. But why? I requested my original title and it didn't show up at my door. What is Hyundai Motor Finance going to do differently this time to ensure that this failure doesn't happen again? Literally nothing. So they expect me to have to pay the replacement fee for another duplicate title too if that copy doesn't arrive. Ridiculous. My confidence in that piece of mail being delivered to my address correctly is XXXX. They've already failed to send it out to me ; where is my guarantee that this is going to be sent to me correctly this time when they have no useful information to give me to explain their first failure?
This has been an on-going issue and their supposed Title Department ( if they even have one ) conveniently has no contact information, will not follow up with correspondence, or send the replacement title with tracking even if you're requesting a duplicate title the 2nd time around. What? Sounds to me like this is just a case of nobody wanting to do their jobs. How does one run a multinational company with this level of incompetency and lack of transparency?
Nobody wants or needs multiple copies of the title at the same time. It's wild to expect customers to pay tens of thousands of dollars to pay off a vehicle, then be led into a game of cat and mouse to play this asinine game of " I wonder if my title will arrive this time? '' Stop wasting everyone 's time. If Hyundai Motor Finance is so incompetent that they can't even give customers their pink slip, what are they paying the employees for? Where's the internal communication?
|
| 12/25/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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It is a fact, KIA MOTORS FINANCE hereinafter referred to as Kia '' is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and violated 15 U.S. Code 1692e ( 11 ) by failing to disclose in their initial written communication with the consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose and this was not disclosed at least 18 times thus far. Kia has violated several sections of the Consumer Credit Protection Act including but not limited to sections of the Truth In Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ) which have been summarized in the attached Affidavit of truth and statement of damages. Kia violated TILA Section 125 ( 15 USC 1635 ) as well as title 12 of the Code of Federal Regulations ( CFR ) Section 1026.23 ( Regulation Z ) by failing to disclose the obligor 's right to rescind the credit sale in accordance with the rescission model forms provided in Appendix G and Appendix H of Regulation Z. Pursuant to TILA Section 111 ( c ) also codified as title 15 USC 1610, ( c ) in any action or proceeding in any court involving a consumer credit sale, the disclosure of the annual percentage rate as required under this title in connection with that sale may not be received as evidence that the sale was a loan or any type of transaction other than a credit sale. Because of the fact that Kia failed to disclose the obligor 's right of rescission and the forms to rescind the transaction, Kia violated " 12 CFR 1026.23 ( c ) Delay of creditor 's performance '' which states " unless a consumer waives the right of rescission under paragraph ( e ) of this section, no money shall be disbursed other than in escrow, no services shall be performed and no materials delivered until the rescission period has expired and the creditor is reasonably satisfied that the consumer has not rescinded. I never waived my right to rescind the credit transaction which means that Kia violated this section over twelve ( 12 ) times since the funds were never disbursed into escrow since day one even though the right of rescission was not waived by myself or the co-signer.
Pursuant to FDCPA Section 812 ( a ) which states " it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating '', Kia sent me several deceptive forms indicating that the credit sale was a loan. On behalf of Kia, XXXX XXXX stole my vehicle on behalf of XXXX XXXX XXXX who is an unauthorized third party debt collector and I did not give prior written consent to have third party communication which is a violation of FDCPA Section 805 ( b ). Kia has violated several of my federally protected consumer rights by violating several sections of the Consumer Credit Protection Act, Truth in Lending Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act which are detailed in the attached Affidavit of Truth w/statement of damages. In addition to these facts, Kia mailed me a deceptive form ( included with my attachments ) titled " Explanation of calculation of surplus or deficiency '' which they intentionally " blacked out '' /omitted line 4 " expenses '', line 6 " total amounts paid on your behalf to other secured parties '', line 8 " credit/rebate ( as calculated as of the above date ) '', and also intentionally sent me only the first two of 220 pages that should have been included with this deceptive form. Also, it was not fully disclosed to me that the Seller-creditor " XXXX XXXX XXXX '' would be receiving the amount financed as well as the finance charge just because we signed the contract and chose to buy the vehicle on credit. We were under the assumption that the Seller-Creditor " XXXX XXXX XXXX '' would only be receiving the amount financed.
Pursuant to TILA Section 106 also codified as 15 USC 1605, the finance charge is the " sum of all charges '' and we were charged much more than the finance charge.
Kia also attempted to sell the debt to a third party by the name of XXXX XXXX XXXX, who we also attempted to contact and they have also violated our federally protected consumer rights which have been detailed in one of the attachments including but not limited to FDCPA Section 805 ( c ), 807 ( 2 ) ( A ), 807 ( 2 ) ( B ), and others.
|
| 05/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Please see video : https : XXXX video with audio There was no indicator that this person was a repo man. Unmarked, no paperwork.
No permission to enter my property. Manipulated and damaged my garage doors.
Threatened to taze my sister and other family members Step 1 : What is this complaint about?
Ilegal Car Repo Step 2 : What type of problem are you having? a covid problem Covid set me back and I missed a payment. They stalked me, chased me, and breached the peace and threatened my family while repo-ing my car.
Step 3 : What happened?
https : XXXX video with audio Complaint 1 : Kia repossessed my car due to default on payment. COVID-19 has hit me extremely hard. I've been with KIA for over 6 years and never had a missed payment. I called to ask if I can get an extension because I lost my job. They said no. The repo person violated many rules such as force entry into my property, damage to my garage by blocking his vehicle so I wouldn't close the garage. He also threatened to use his taser on my sister and family members. I have the video and audio of everything I just mentioned. He also threatened to return when he was not working. My sister had to leave with her child because she was so scared. all this happened from around XXXX XXXX - XXXX XXXX.
Complaint 2 : I suffer from a XXXX XXXX XXXX I'm on XXXX XXXX My credit is basically dead. How did I manage to walk out of that dealership with a new car? Also, the price they're charging me for the repo and default and late fees equals the amount the car is worth. So it's as if I've been paying {$700.00} a month XXXX down payment on a vehicle that costs {$35000.00}. I even traded in my other vehicle cause they said it would lower my payments. Now they hit me with a bill, {$35000.00}. How is that possible? I had the car since XX/XX/XXXX. Never missed a payment until covid. Basically, I've had that car for nearly 2 years paying {$700.00} a month plus the XXXX down payment. If I'm wrong I apologize but let 's say the car was XXXX. The down payment was XXXX, so we're at XXXX. XXXX x XXXX = XXXX. I understand that there is interest and my credit is horrible. I don't know how they approved me to get a car I clearly could not pay for. My XXXX XXXX has gotten worst since this. My unemployment stopped. I'm tapped out of everything.
There is no court so far, no lawsuit. No other agency has been contacted. I received the papers today XX/XX/XXXX from the repo that occurred in XXXX. They are selling my vehicle on the XXXX.
The resolution I'm seeking : Justice for taking advantage of a person with a XXXX XXXX in car buying, pressuring, and fabrication of getting me approved for a car that I clearly could not afford. My income at the time was XXXX $ my insurance was {$260.00} and my car payment was {$700.00}. I told them many times that I can't afford it and that's okay. Until they brought in the manager and suddenly a few workarounds on the computer, I was approved.
- I don't want the car, I ask that the attorney general, if he could help me fix this situation. I paid my dues. We can get all the paperwork and everything. I just want them to leave me alone and stop following me everywhere I go. I can not ever make this payment. I'm negative in all my bank accounts.
2nd - I want justice against the repo man for brandishing/threatening to XXXX my family. For illegally entering private property and breaking the peace. We asked on many occasions for him to leave and he would not. He also ran into my garage before bringing his car in to manipulate the garage to not close.
3rd - The police are not allowed to assist or force me to give the repo man the keys. I did not know of this until after it happened.
I should not be paying a bill that's {$35000.00} XXXX the same price of the car ). They took advantage of me. They have caused me to lose more opportunities to work. I have no received unemployment compensation for a month and I'm on the brink of taking matters into my own hands but I know that's not the right thing to do. I need your help. I want to do this the right way.
I just don't know what to do. I may not be alive by the time you get this. As I'm sure there are many letters coming in. This isn't right especially during a pandemic. Please help me.
Step 4 : What company is this complaint about?
KIA of XXXX ( XXXX KIA ) XXXX, CA Step 5 : Who are you submitting this complaint about?
Myself Parties involved : KIA OF XXXX ( XXXX ) Where the car was leased.
KIA FINANCE DEPARTMENT VEHICLE : XXXX KIA XXXX " NOTICE OF INTENT TO DISPOSE OF LEASED VEHICLE ''
|
| 11/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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We were leasing 2 XXXX vehicles and the maturity of that lease was on XX/XX/18. Last XXXX we received letters from Hyundai that close to the date of the maturity of our leases we had to contact them, and we did call them only to be told that was too early and that we could visit our dealership when we were going to be ready for the purchase. I need to mention that we were going to purchase both of the vehicles because of extra mileage. So on XX/XX/18 we drove both of our cars to the Faulkner Hyundai dealership on XXXX XXXX ( the XXXX. XXXX location ) as one of our cars was scheduled for an oil change at their serv. dept. We asked to see the sales manager so we can talk about the purchase of both cars, he asked us if we wanted to look into a new purchase and we told him that we -couldn't- because of the extra millage on the leased cars we had. He told that we could work out a better deal if we buy 2 new cars instead of those old ones. Of course again -our biggest concern was the extra millage and the fee that we were going to have to pay- but the sales manager told us that it was not going to be that big of amount and that we could work a payment settlement with Hyundai Finance when they'll contact us. One of the leased cars had some manufactures issues that we were dealing with through out the last 2 year with the same dealership and the sales manager was aware, still he persuade us that, that was the best thing to do. To return the old defected car and the other one, and get 2 brand new ones on a good deal and work out a monthly payment deal on top of our purchase payments for the extra millage fees. Once again, we were asking how much more it would be and why the amount could be included in the new purchase, but after consulting with the Financial Manager we were told that Hyundai wont finance us due to our credit and they looked into other financial companies ( Needless to say that they never mention to us that doing something like that meant that we had to pay a {$400.00} fee per vehicle for disposition plus excess wear and use, plus taxes on everything and on top of all we never signed anything regarding inspection for the returned cars, they never gave us paperwork regarding the returned vehicles, nothing regarding the millage and the excess wear cause there was no inspection done while we were there ) A month later we received 2 letters ( one for each returned car ) for outstanding fees as they call them. They are asking for {$16000.00} for one car and {$5400.00} for the other, when the sales manager said with certainty that it was not more that {$18000.00} for both cars. Again, he or the financial manager, never said anything about extra fees. When we called the Hyundai Finance dept. and asked about these fees and to arrange a settlement to pay, we were informed that such thing is not possible! That we have until the XXXX of XXXX of 2018 to pay in full the amount for both cars -or- they'll send it to collections agency. I did try to explain to Ms XXXX ( the person on the phone ) that its not possible for me to pay all this amount of money in such a sort period of time and that we were told otherwise from the people in XXXX XXXX dealership on the day of return of those vehicles plus that we never received any paperwork for an inspection done on those cars and the answer was that it was MY responsibility to know what to do and that the people in the dealership could have had forgotten to mention the details. That I should had call the Lease Maturity dept. to find out how exactly i had to return the cars before going to the dealership. I asked to make a monthly payment deal, even for 12 months and she said that is not possible either. that the payment can be extended to the fullest of 120days from return which is the date she gave me XX/XX/18. She also told me that i can pay by debit card over the phone or mail a check of any amount I want but if the total amount is not paid off till that day, then the rest is going to be send to collections agency and that will ruin my credit! As I mentioned before, we wanted to purchase both of the vehicles and that was the reason of our visit to the dealership ( besides the oil change ) that day, but we believe that the misleading and manipulating ways of those people drove us into this rabbit hole. We are unable to pay in full almost {$22000.00} till the XXXX of XXXX 2018, we need to arrange a monthly payment plan so we can pay off those outstanding fees. We need more time not 4 weeks.
|
| 09/20/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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RE : XXXX XXXX XXXX This is my second time disputing your inaccurate reporting. You continuously are reporting a number of errors on this account that require a simple fix. The following inaccuracies ( 1 ) XXXX is reporting a different date opened, than XXXX & XXXX. ( 2 ) XXXX is reporting a different Last Reported Date then XXXX & XXXX. ( 3 ) My main concern is your negligent reporting of me being Late ( XX/XX/XXXX ) & ( XX/XX/XXXX ). I was never late I paid on time. You can either fix this reporting Late error to Paid or Remove this account because you are reporting inaccurately.
RE : XXXX I dont understand how this creditor continues to collect a debt that is over 7 years old. Not only that the creditors continues to report several inaccuracies and you allow them to get away with it??? This account is reporting the following inaccuracies ( 1 ) All three credit bureaus are reporting a different Account #, ( 2 ) XXXX is reporting a different Date Opened than XXXX & XXXX. Please remove this account, thanks for your cooperation.
RE : XXXX Im so confused, how your reporting this invalid account information. All 3 Bureaus on This account are reporting 3 different Account # s,. Other inaccuracies I noticed are ( 2 ) XXXX is reporting another date opened than XXXX & XXXX ( 3 ) XXXX is reporting a different Las
t Reported, and Date Last Active then XXXX & XXXX. This is a violation Please remove this account promptly.
RE : XXXX/XXXX Besides, the fact that you are negligently reporting, a debt, that was paid on time, there are a number of violations on this account ; ( 1 ) XXXX is reporting a different Monthly paymen date than XXXX & XXXX. ( 2 ) XXXX Date op
ened is not the same as XXXX & XXXX.
( 3 ) XXXX is reporting a another Last reported date than XXXX & XXXX. ( 4 ) XXXX has a different Last Date Active, ( 5 ) XXXX is reporting a different Date of Last Payment, this is not only confusing but invalid information being relayed. Solution to this problem is to remove this account due to inaccuracies, Thank you for our cooperation.
RE : DPT EDXXXX | This reporting from the Dept ED/XXXX is reporting the following errors & inaccuracies and the account as a result needs to be deleted. Reports shows the following violations & errors ; ( 1 ) XXXX Date open is not same as XXXX & XXXX, ( 2 ) XXXX Monthly Payment Date is different, ( 3 ) XXXX has a different Last Reported, ( 4 ) XXXX is reporting a different Date Last Active, ( 5 )XX/XX/XXXX is reporting a different Date of Last Payment.
RE : DPT EDXXXX This reporting of from the Dept ED/XXXX is reporting the following errors & inaccuracies ( 1 ) XXXX is reporting a different Account # Account # XXXX, ( 2 ) XXXX is reporting a different Date Opened XX/XX/2008, promptly Delete this account, due to incorrect reporting thank you.
RE : XXXX This Inaccurate reporting is ridiculous, as well as damaging to my credit. I have given the opportunity to correct our mistake and you have failed, therefore im requesting you delete this account due to the inaccurate information you are reporting. First of all XXXX is reporting a different Date Opened than XXXX & XXXX. ( 2 ) XXXX is reporting a different Last Reported Date, than XXXX & XXXX, ( 3 ) All three Bureaus are reporting different Date Last Active, and XXXX reports a different Date OF Last Payment, then XXXX & XXXX. This is account its reporting so many inaccuracies the information is confusing and invalid Delete this immediately.
RE : Hyundai Finc | These inaccurate reportings from this debtor are alarming, ( 1 ) XXXX reports a different Date opened than XXXX & XXXX ( 2 ) All three credit bureaus report different High Credit, ( 3 ) All three credit bureaus report different Date Last Active, ( 4 ) XXXX records a different Date of Last Payment. ( 5 ) XXXX is also violating FCRA Promptly delete this account!
Also XXXX is reporting Charge-Off multiple times, how is that possible if charge off means account is closed? *Delete this account, due to it inaccuracies and please mail me the credit reports update.
RE : DPT ED XXXX | Im appalled how you continue to report inaccurate account information on my credit firstly XXXX is reporting a different Account # than XXXX & XXXX . ( 2 ) Secondly XXXX is reporting a different Date Opened than XXXX & XXXX. Thirdly XXXX is reporting a different Last Reported date than XXXX & XXXX. Date of Last payment is incorrectly report on XXXX. There are several inaccuracies, please delete this account!
|
| 07/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
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XXXX/17- My XXXX XXXX XXXX was repossessed due to three ( 3 ) missed monthly payments in view of extensive medical bills incurred. I attempted to workout a repayment plan to catch up on the missed payments however they were inflexible and would not agree. I owned the vehicle for more than 3 1/2 years with approximately 2 1/2 years left. I was receiving paper billing statements each month to my present home address on file and made online payments via their website.
XXXX/XXXX/17- I received a letter from KIA Motors Finance dated XXXX/XXXX/17 entitled " Explanation of Calculation of Surplus or Deficiency '' stating that the collateral was sold for {$14000.00} reflecting a surplus in the amount owed of {$2000.00} which would be returned to me.
XXXX/XXXX/17- I telephoned KIA Motors Finance , XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, ( XXXX ) XXXX advising of the disposition letter received and that I was inquiring as to when I could expect a check for the amount owed be mailed to me. I spoke with a representative named XXXX who promptly verified my profile ( name, address, phone no., account no., social security no. ) and advised that a check was mailed for {$2000.00} however she could not provide the actual date of mailing at that time.
XXXX/XXXX/17- A little over two ( 2 ) weeks had past without receiving the check and I decided to telephone KIA again. I spoke with a representative named XXXX, employee I.D . # XXXX. She asked me to verify the profile information, referenced above. This time however I was informed that my detailed personal information was not in the database. In other words, all of my personal information was missing.
She insisted for at least a minute or so that I did not have an account. I then provided her with the account number associated with my billing information which she then informed me displayed my name only. I advised XXXX that I called to find out the date the check was mailed as well as the mailing address since I was informed by the previous representative XXXX, that the check was mailed, and it had been more than two ( 2 ) weeks since we spoke. XXXX asked me to hold the phone while she stepped away and returned about five ( 5 ) minutes later. She informed me that a check was mailed on XXXX XXXX to the address on file ; Dead End XXXX! I told her that was a ridiculous address which should have raised a flag before mailing since they have been sending correspondence to my correct home address for over three ( 3 ) years. I asked XXXX how my account could have reflected such an obviously fictitious and absurd address in view of the many paper billing statements received, the vehicle disposition letter received a month ago, as well as a vehicle recall notice received only one week ago.
I again reiterated to XXXX verification of my personal information in my prior conversation of XXXX XXXX with the initial representative XXXX AFTER the check was mailed on XXXX XXXX. I requested XXXX put a stop payment on the check and reissue a replacement since they were at fault and I should not have to wait so long. I was also concerned about the amount and that someone else may cash it. She flatly refused and advised that she could not deviate from the " process '', which is to wait for its return not later than XXXX XXXX, or thirty ( 30 ) days from the date the original check was mailed. I then asked her what if the check is not returned due to their obvious mistake and that a replacement check should be promptly issued. Concerned about the status of the check which was mailed twenty two ( 22 ) days ago, I am certain there is no U.S. postal code XXXX and the local post office in her area should have flagged the envelope and promptly returned it to the sender. She continued to sarcastically reiterate her process with extreme inflexibility and rudeness towards me continuously interrupting as I was trying to speak.
I finally asked if I could speak to her supervisor since it is a known fact that " processes '' can be circumvented to satisfy the customer. I was informed that her supervisor was not available which I found hard to believe since he/she was probably was not available to speak to me.
I am therefore filing this complaint against KIA Motors Finance for their blatant error in mailing the check to a proposterous address and their lacsidasical attitude and disregard for safeguarding my personal and private information in their possession. I would appreciate any help that can be afforded.
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| 11/05/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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We were leasing 2 XXXX vehicles and the maturity was XX/XX/18.
Last XX/XX/XXXX we received letters from XXXX that close to the date of the maturity of our leases we had to contact them, and we did call them only to be told that was too early and that we could visit our dealership when we were going to be ready for the purchase.
I need to mention that we were going to purchase both of the vehicles because of extra mileage.
So on XX/XX/18 we drove both of our cars to the XXXX XXXX dealership on XXXX XXXX ( the XXXX. XXXX location ) as one of our cars was scheduled for an oil change at their serv. dept. We asked to see the sales manager so we can talk about the purchase of both cars, he asked us if we wanted to look into a new purchase and we told him that we -couldn't- because of the extra millage on the leased cars we had. He told that we could work out a better deal if we buy 2 new cars instead of those old ones. Of course again -our biggest concern was the extra millage and the fee that we were going to have to pay- but the sales manager told us that it was not going to be that big of amount and that we could work a payment settlement with XXXX XXXX when they'll contact us.
One of the leased cars had some manufactures issues that we were dealing with through out the last 2 year with the same dealership and the sales manager was aware, still he persuade us that, that was the best thing to do. To return the old defected car and the other one, and get 2 brand new ones on a good deal and work out a monthly payment deal on top of our purchase payments for the extra millage fees.
Once again, we were asking how much more it would be and why the amount could be included in the new purchase, but after consulting with the Financial Manager we were told that Hyundai wont finance us due to our credit and they looked into other financial companies ( Needless to say that they never mention to us that doing something like that meant that we had to pay a {$400.00} fee per vehicle for disposition plus excess wear and use, plus taxes on everything and on top of all we never signed anything regarding inspection for the returned cars, they never gave us paperwork regarding the returned vehicles, nothing regarding the millage and the excess wear cause there was no inspection done while we were there ) A month later we received 2 letters ( one for each returned car ) for outstanding fees as they call them. They are asking for {$16000.00} for one car and {$5400.00} for the other, when the sales manager said with certainty that it was not more that {$18000.00} for both cars. Again, he or the financial manager, never said anything about extra fees.
When we called the XXXX XXXX dept. and asked about these fees and to arrange a settlement to pay, we were informed that such thing is not possible! That we have until the XX/XX/2018 to pay in full the amount for both cars -or- they'll send it to collections agency. I did try to explain to Ms XXXX ( the person on the phone ) that its not possible for me to pay all this amount of money in such a sort period of time and that we were told otherwise from the people in XXXX XXXX dealership on the day of return of those vehicles plus that we never received any paperwork for an inspection done on those cars and the answer was that it was MY responsibility to know what to do and that the people in the dealership could have had forgotten to mention the details. That I should had call the Lease Maturity dept. to find out how exactly i had to return the cars before going to the dealership. I asked to make a monthly payment deal, even for 12 months and she said that is not possible either. that the payment can be extended to the fullest of 120days from return which is the date she gave me XX/XX/18. She also told me that i can pay by debit card over the phone or mail a check of any amount I want but if the total amount is not paid off till that day, then the rest is going to be send to collections agency and that will ruin my credit!
As I mentioned before, we wanted to purchase both of the vehicles and that was the reason of our visit to the dealership ( besides the oil change ) that day, but we believe that the misleading and manipulating ways of those people drove us into this rabbit hole.
We are unable to pay in full almost {$22000.00} till the XX/XX/2018, we need to arrange a monthly payment plan so we can pay off those outstanding fees. We need more time not 4 weeks.
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| 04/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Entered into a Vehicle Lease agreement with Hyundai Motors Finance XXXX ( XXXX ) on XX/XX/2022.
Vehicle was involved in an accident on XX/XX/2022 and subsequently determined a total loss on XX/XX/2022 on Esurance claim # : XXXX Attempts by the claims XXXX to connect with ANYONE at XXXX were refused leading claims XXXX to instruct me via email on XX/XX/2022 to initiate the request for Payoff from XXXX.
Multiple attempts by me between XX/XX/2022 and XX/XX/2022 to obtain payoff information using HMFUSAs XXXX routing to payoff requests were instead dumped into general customer service queue and answered by abusive collections agents.
Ultimately on XX/XX/2022 XXXX PM XXXX received a verbal quote for a payoff amount of {$30000.00} good through XX/XX/2022 on a recorded line. That call was left with a guarantee from the call center agent that a payoff letter would be mailed out with that payoff information. That letter has not been received to this date.
Payoff amount was provided to insurance XXXX, and subsequently a check was cut and delivered to XXXX in the amount quoted. Check was received, cashed, and referenced as a received payment on my account on XX/XX/2022 ( see Figure XXXX ).
As of this date, XXXX refuses to apply the payoff delivered despite the fact that the account shows {$0.00} amount due ( see Figure XXXX ) and full payoff amount received before good through date. Additionally, XXXX continues to accrue past due payments on my account and refuses to close the account out in good standing as paid in full.
I have made repeated attempts to rectify this matter with Hyundai Motor Finance, but have no clear direct path to anyone of any degree of authority within XXXX. The only manner of contact I do have is to call their general customer service number, route through their XXXX only to be dumped into the general customer service queue. Once in the general customer service queue I repeatedly have to sit through the customer service agent of the days irreverent collections script with the agent ultimately only caring about collecting a payment from me. I then, once again need to explain to the general CS agent that I am calling in regards to an ongoing matter in which XXXX is fraudulently attempting to claim funds owed to which they have no legal claim. If I am lucky I may be re-routed to an escalated customer support team to help me resolve the matter. The sole focus of this support team is to continue demanding payment of amounts Hyundai Finance is not contractually due. Most times the resolution from general customer service team ends the call instructing me to have my insurance company contact Hyundai Finance to settle the matter.
I feel the issues I encountered getting my claim settled with XXXX is a demonstration of continued violations expanding the claims in XXXX.
I contend that XXXX and their parent company Hyundai Capital America ( XXXX ) have a long standing practice of defrauding their customers who have been involved in a total loss of property by reference a statement in section 20 of their lease agreement which claims they are entitled to all insurance proceeds in the event of a total loss, even those funds above the fair contractual value of the vehicle. I believe this clause in their lease contracts constitutes willful predatory fraud on the part of XXXX and XXXX which they have been abusing for a significant period of time, defrauding millions of customers at a time when those customers have already suffered significant harm and loss.
Further I believe that Hyundai 's inclusion of the fraudulent claim to undue funds is a flagrant violation of several Federal regulations protecting consumers from such behavior, most notably : 12 CFR Part 213 213.3 ( 2 ) General disclosure requirements : Segregation of certain disclosures 12 CFR Part 213 213.4 Content of disclosures. Specifically subparagraphs ( g ) Early Termination and ( o ) Insurance 15 U.S. Code 1667a ( 7 ) Consumer Lease Disclosures : brief description of insurance coverages Lessee and lessor adding claim to funds at loss in here violates subchapter 11 below 15 U.S. Code 1667a ( 11 ) Consumer Lease Disclosures : mechanics for early termination hiding entitlement to insurance proceeds violates this 15 U.S. Code 1667b ( b ) 12 U.S. Code 5531 ( c ) ( 1 ) ( A ) 12 U.S. Code 5531 ( d ) ( 2 ) ( A ) - adding claim to funds in required insurance coverage mentioned above 12 U.S. Code 5531 ( d ) ( 2 ) ( B )
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| 07/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I have been trying to buy my vehicle from Hyundai Motor Finance. I sent in payment via cashier 's check sent through certified mail on XX/XX/XXXX. They took the payment two days later on XX/XX/XXXX.
The odometer/ mileage disclosure statement along with the bill of sale were mailed to my address on XX/XX/XXXX, were filled out immediately by me and faxed to the provided number on the enclosed documents. I called to follow up and confirm the documents were received, only to be told that their offices were quoted a 45-180 day processing time for these documents and then for the title to be released to me.
I called again on XX/XX/XXXX, and were told the documents were still not processed in their system and was it was recommended to fax them again which I immediately did.
I called to check the status again on XX/XX/XXXX, and was told they had my odometerXXXXmileage disclosure statement in their records, but not the bill of sale. I reminded them that they were faxed together twice already, and that there must have been a clerical issue with this to no fault of my own. The customer service representative was understanding that I had no faith in faxing them the bill of sale again and that I needed this process to be expedited since it has gone on for two months at this point. He informed me that they have an online system for these situation in which an email will be sent to me in 24 hours time and I can scan an upload the bill of sale through that system and that the title would be expedited to me within 10 days. He confirmed my email address for it to be sent to.
After 24 hours had past with no email in any of my inboxes, spam, or promotions folders, I called again to check the status of the email that was supposed to be sent. The customer service representative checked the status of my documents and said they have the bill of sale but there is " no sign ''. I inquired if she meant that it was missing my signature, and she said yes. I assured her that I had the original copy in front of me that was signed and faxed twice already. She kept informing me it was not signed and that I needed to fax it again. I asked to speak to a manager and she ignored my requests and put me on hold. Once she came back she told me that the " back office '' processes the email requests and that there is a 7 day timeline for that email to be sent. I informed her of the information I was given the day prior. She said it was incorrect information. I stated that I had trouble with this since the timelines and information changes every time I call and speak to someone, and I needed to speak to a manger. She put me on hold, and after a few minutes said there is no superior there for me to speak to and repeated yet again that I have to send the signed bill of sale. I said that is exactly what I am trying to do but I need the secure email sent to me and I need this expedited and not on their typical timeline because this is not a typical situation. She said that I could send the bill of sale to the email she provided ( XXXX ) and that it would go directly into their records and that I could call back in 7 days to see if they received it. She hurriedly got off the phone with me after that.
I just sent the email with the attached bill of sale to the email address she gave, and it bounced back to me with an undeliverable notification. I am absolutely floored with the gross incompetence of the Hyundai Motor Finance lease buyout and title offices and as the consumer am left with no concrete or clear information or rectification of this absurd situation.
I would like to note that this is also not the first time we have had an issue with Hyundai Motor Finance. The last lease I had with Hyundai I bought out in XXXX, and had a nightmare of a time trying to submit paperwork to them at that time as well. Specifically, when they mailed the bill of sale for me to sign, the had input another random customer 's name in as a second buyer on the car that was not associated with my account whatsoever. Thanks to my due diligence in reviewing the paperwork before I signed I caught the error and reported it to them and had to request a new bill of sale be sent without that person 's name on it. Had I not caught the error a completely unknown person would have been part owner of my vehicle. They also did not expedite the process in this situation where no error was made on my part, it was solely on Hyundai Motor Finance.
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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( This is a new complaint about Kia 's management of the lease. ) - PROBLEM : Kia 's repeated failures to acknowledge my property tax exemption led to Kia 's a ) incorrectly reporting a delinquency to the credit bureaus, and b ) making it nearly impossible for the customer to understand the true status of the account on any given day.
- SOLUTION : Kia corrects its reporting to each credit bureau to reflect : a ) I was never late during this lease, and b ) I no longer owe Kia anything.
- DESCRIPTION : The 39-month lease was from XXXX until XXXX. I was the sole lessee. Because of my XXXX XXXX XXXX XXXX I was exempt from property taxes on this vehicle. Pretty much over the entire life of the lease, Kia sent me notices that I had to re-pay Kia for the property taxes Kia paid on my behalf. Over the entire life of the lease, I repeatedly asked Kia for a copy of the XXXX XXXX, Virginia, property tax bill. Kia repeatedly failed to provide a copy of the actual XXXX XXXX property tax bill. Despite my explicit requests " for the front and back of the ACTUAL property tax bill, '' Kia would send me a computer screen printout from its accounting system. ( Having a copy of the actual bill would allow me to have complete information when making my case to Kia that I was exempt. ) I attempted to get the tax bill directly from XXXX XXXX. But I had no luck. XXXX XXXX told me that, because Kia owned the vehicle, Kia would have to give me the bill.
While I repeatedly went back and forth with Kia, attempting to communicate with Kia via e-mails, phone calls, and certified letters, Kia stopped applying my lease payments to the actual lease. Instead, Kia began using my lease payments to re-pay itself for property taxes. This led Kia to repeatedly report to the credit bureaus that I was late on my monthly lease payments. This effectively occurred each year during the lease. This created constant confusion in both Kia 's management of the lease, and the customer 's ability to understand the true status of the account on any given day -- i.e., how much money I legitimately owed Kia, and for what I legitimately owed Kia money.
[ For example, on numerous occasions during the lease, Kia told me I was late to re-pay them for some kind of traffic ticket. But on these occasions, given the fact that I had not received timely notice of Kia 's paying a traffic citation on my behalf, and given the constant confusion created by Kia 's handling of the property tax situation, I was not confident in Kia 's suddenly telling me, " You are late to re-pay us for a traffic citation we never told you about in the first place. Now pay us back. '' This is an example of how Kia 's handling of the property tax situation made it difficult to understand the true status of the account on any given day -- i.e., how much money I legitimately owed Kia, and for what I legitimately owed Kia money. ] - Eventually, in XXXX XXXX, just before the end of the lease, Kia finally acknowledged my property tax exemption. After receiving Kia 's acknowledgment, and after multiple inquiries on my part, Kia eventually reimbursed me. In other words, over the life of the lease, Kia had taken my regular monthly lease payments and, instead of giving me credit for the payment, had applied my payments to the taxes Kia erroneously said I had to re-pay them. In Kias eyes, that made my regular lease payments delinquent. Kia then reported that delinquency to the credit bureaus. Then, at the end of the lease, when Kia acknowledged my tax exemption, Kia refunded that money to me. In other words, at the end of the lease, Kia refunded to me the very money Kia had spent the past 39 months telling the credit bureaus I was delinquent in giving them. Effectively, Kia said to me, You know that money we said you were not paying us on time, and then told the credit bureaus you were not paying us on time? Well, here you go. We are giving you that money back. But we are not going to correct our reporting to the credit bureaus. Sorry about that.
- PROBLEM : Kia 's repeated failures to acknowledge my property tax exemption led to Kia 's a ) incorrectly reporting a delinquency to the credit bureaus, and b ) making it nearly impossible for the customer to understand the true status of the account on any given day.
- SOLUTION : Kia corrects its reporting to each credit bureau to reflect : a ) I was never late during this lease, and b ) I no longer owe Kia anything.
|
| 08/14/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/XXXX I the consumer went into XXXX XXXX to do a consumer credit transaction for the purchase of a XXXX XXXX XXXX. I provided my SSN and they made a copy of that card which is my credit card pursuant to 15 USC 1602 ( l ) They then proceeded to furnish me as the consumer forms ( retail installment agreement ) in which they listed themselves as both the seller and creditor. They also forced me into signing POA which they stated was needed to register my household goods with the state even though I stated that my property was not for commercial use. They also failed to provide me with 3 copies of my rights of recession as the consumer. They falsified documents leading me as the Original Creditor pursuant to 15 USC 1692 ( a ) ( 4 ) that KIA Motor Finance was to lend money to me for this vehicle. On XX/XX/XXXX I exercised my right of recession and sent a notarized affidavit certified mail number XXXX XXXX XXXX XXXX XXXX to the dealership as well as copies to the FTC and NC State Comptroller stating that I was cancelling the contract because I'd realized the fraud that was committed against me as the Consumer. I received a letter from XXXX XXXX XXXX XXXX 's attorney XXXX XXXX XXXX in which XXXX XXXX stated that they rejected the assertions made and that the car belongs to me and can not be returned. I never asked to return the vehicle as 15 USC 1635 states that the seller has 20 days to pick up the property after recession is made unless it is impractical or inequitable to do so. They failed to pick up the truck and law states that If they do not pick up property it is mine! They then stole my identity and used my SSN to obtain the loan from the federal reserve in my name and transferred my private data to KIA MOTOR FINANCE making them the alleged lien holder. Even though the contract was cancelled. I contacted KMFXXXX on XX/XX/XXXX after I recieved a Dunning letter from them claiming I owed and asked them to send me Documentary Evidence 15 USC 44 of the certified funds that I was loaned by them. They have yet to provide any validation of alleged debt or evidence proving that they are the lender or creditor. On of XX/XX/XXXX my private data and location information was transferred to XXXX XXXX who then sent it over to XXXX XXXX XXXX XXXX located in South Carolina to repossess my private property without any documentation of verified debt. XXXX stated that the client they received my data from is Hyundai Motor Finance whom I've not heard of until today. At XXXX EST my Household good ( s ) were stolen from my home, when I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe manager in the repo department refused to give me the information as to who the alleged lien holder is but did confirm it is NOT KIA MOTOR FINANCE according to the paperwork they had. I am seeking damages under Public Law 111-203 title X 124 2092 for all violations perpetrated against me from furnishing a deceptive form, deceptive cosigner practices, false and misleading representation of the character and amount and false and misleading representation that the attorney was an attorney. Along with False and misleading information that I as the consumer owes any debt and that the debt collector is vouched for, bonded by, or affiliated with the United States or any state. I am also seeking damages for the use of my private property ( data ) being taken for public use without just compensation which is a violation of my 5th Amendment right as the natural person and living soul. I have notarized documentation that my data has a valuation of XXXX XXXX XXXX USD as the Consumer/Creditor and Executor of my Estate. My car was also sold to the DMV prior to selling to it to me. Lastly by asking me as the consumer and Original creditor for payment to return my property they have violated Article 1 Sec 10 of the United States Constitutions which states the following : No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility and a violation of Public Law 73-10 48 48 112 I was told that unless I pay {$2300.00} that my private property will be sold at an auction. This violates Public Law 111-203, title X, 124 Stat. 2092 807 ( 6 )
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| 01/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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We aggressively paid down our Kia car loan and so had a remaining balance of only {$250.00} on XX/XX/XXXX. The full amount of my previous monthly payment XXXX {$1000.00} XXXX was drafted from my bank account on that date, in spite of the remaining balance.
I called immediately and was informed that the overdraft would be refunded very soon and that no immediate action could be taken due to the Autopay configuration.
In a subsequent XX/XX/XXXX conversation with XXXX, I was told that it could actually take as long as 30 days to receive a refund. In the meantime, I received my vehicles title and notice from KMF that was loan was paid in full.
I called again on XX/XX/XXXX ( and spoke with XXXX XXXX, at the 30-day mark, after still not receiving a refund. On this call, XXXX emailed the Payment Processing group to have our refund expedited. I was told it should be sent out in a couple of days.
About XX/XX/XXXX, I called again. Customer Service had no update for me. The payment was apparently still pending. I was disconnected while holding for requested escalation to a manager.
On a XX/XX/XXXX call with XXXX from Customer Service, I was told that the first request was not able to be processed. A XX/XX/XXXX update in their system apparently simply said " Delayed ''. XXXX offered to send another request to Payments Processing but assured me they already had it and just needed time. I was asked to check back the following Monday.
My wife, XXXX, called back and spoke to XXXX to get our call escalated. XXXX said there were no supervisors there, as they had all gone and we, therefore, had no option to escalate. She came back on the line to advise me of a Customer Assistance Team that we could speak to. She was transferring us but disconnected the call instead. The number and extension ( ext. XXXX ) that XXXX gave us did not work in our call back.
On XX/XX/XXXX, my wife offered to continue efforts to get our money back. On this call, XXXX would not talk to her, even though I was on speaker phone with my wife and voiced my support for her to handle the call in my behalf. XXXX asked to be transferred to a supervisor.
XXXX came on, as supervisor, after an extended hold. He verified my info and then spoke to me and my wife. He indicated that funds had been released and that they were in Payment Processing since XX/XX/XXXX. XXXX requested further escalation and was told there was no one else to talk to. We were also told that there was no such team at Extension XXXX, and that he had no idea the source of that number. We were asked to wait 3-5 additional business days and to call back. He was noting our account and said he would get our reimbursement.
On XX/XX/XXXX, we called back again to get an update. We spoke to XXXX who said the refund had still not been sent out. We asked to again speak to a supervisor and were transferred to XXXX. He submitted a new request on our behalf, this time providing a Reference # : XXXX. He then connected us to XXXX the Senior Supervisor who advised that there was nothing they could do ; we just had to wait. The XXXX Department had not responded to XXXX email, so there was nothing more they could do.
We called our local XXXX dealership, where we bought our car, to see if they could help, but they also only had the same number ( XXXX ) that we have been calling.
We are now writing you to request help getting the much overdue refundon money erroneously drafted from our account. Their Autopay solution is clearly majorly flawed, as is their refund processing. We have tried working with KIA Motors Finance to no avail, for over two and a half months now. We currently have no hope that simply waiting will yield results, nor do further inquiries directly to Kia Motor Finance seem to help. We are requesting the full refund of the {$810.00} unauthorized overdraft, plus interest. We would also like it noted by monitoring government bodies that this unfair practice of over-drafting for payments is going onand that Kia is in no apparent hurry to rectify the situation. Customer Service at Kia provides us no opportunity to speak with the Finance Department which apparently must process refunds, hence this appeal to CFPB. Thanks for any and all assistance and for your efforts to make sure that this does not happen to other consumers.
XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX 's mobile )
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| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My vehicle got hit in XX/XX/XXXX and deemed a total lost. A few month before that I was called by Kia Motor Finance during Covid ( XXXX ) and was ask if I wanted to put my monthly payments to the end of my lease term since a lot of people arent working. That lasted for three months and then I continue to make my online payments until the accident occurred. After speaking to my insurance they stated I wasnt at fault and they would pay for the the vehicle and since its a lease the vehicle also cane with XXXX insurance. I then called KIA motor finance and told them what happened and do I need to make a payment, I was then told no and that they would be in touch with my insurance for this process. In the month of XXXX I decided to check my online account with KIA just to make sure there wasnt any extra fees I would have to pay for, if that was the case I would try and save to make sure I have the money to pay it back. After checking I saw an outstanding bill for XXXX on my account. I called KIA and asked them if this is something in I need to pay, if so then please let me know so I can set up some type of payment plan. They told me more then once that this isnt sometimes I have to pay and I would be all set once the system updates. They sent the total bill needed to satisfy the loan to my insurance and the first bill they sent was incorrect then they sent another one and my insurance paid the exact amount and XXXX insurance paid whatever difference there was. I spoke to insurance after and was told everything is all set and I actually have some equity and will receive money back after everything is all said and done. A few months go by and something was telling me to check my kia account again just to make sure Im really good. When I logged on I saw a past due amount of XXXX, I called again to see and the person told me that it was an error they received all the money from insurance and released the title so Im all set. One more month goes by ( XX/XX/XXXX ) and the past due amount was still showing on my account so again I make the phone call, but this time the person when the person answered they said this is an attempt to collect a debt immediately I was confused and the person on the phone said it was missed payments and a deductible that I need to pay. I emphasized that I spoke to multiple people already who told me everything is all set and I dont have to pay anything and Ive never missed a payment on my car which I take very seriously. She said during the three months of Covid is when I missed my payment and I told her that they called me and offered some Covid refielf that would put my payments to the end of the term. I asked her if the amount to satisfy the bill they sent to my insurance included the payments ( which I have recorded ) she said yes and I was told a manager would reach out to me and see whats going on. My credit score dropped from XXXX to XXXX the first time. No one ever reached out and when I called back a few days later to see whats going on I was told that it wasnt included because insurance doesnt pay for deferred payment any fee or missed payment.. I called my insurance and they said thats not the case and they wouldnt know if missed payment or deferred payments are in the price, they also said if it was more they needed they would have paid it since I had equity in the vehicle. I then turned to a credit repair company and had them try to take care of it but after a year of using them my credit went to XXXX then recently dropped again to XXXX. I check my credit and its kia again reporting it. I then call KIA this past week and asked them what we can do to fix this because its not fair how they told me one thing and then change it to the other, made a mistake in telling my insurance the wrong price that would satisfy the bill and drastically affect my credit which has affected me multiple times while trying to get a low rate or even a loan when time have been rough. I spoke to insurance again and they sent my documents proving everything has been paid. If everything was stated to me in the beginning then I could have set up a payment plan but since it wasnt and a lot of mistakes happened on there end I feel like they shouldnt have to suffer credit wise and also financially due to there lack of communication, lack of follow up, confusing process and extreme lack of professionalism.
|
| 09/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX Purchased XXXX Kia XXXX from XXXX XXXX XXXX XXXX XXXX Demanded refund for warranty and gap insurance totaling {$7200.00} XX/XX/XXXX {$3300.00} payment from XXXX XXXX to XXXX XX/XX/XXXX {$780.00} payment from XXXX XXXX to XXXX XX/XX/XXXX {$3100.00} payment from XXXX XXXX to XXXX XX/XX/XXXX Contacted the XXXX finance company in XXXX to ensure all payments would be applied to future payments per the FAQ on company website. Call center representative confirmed and submitted the request to the payment processing team and payments were spread for future payments ( 12 ).
XX/XX/XXXX Statement reflected amount due of {$580.00} corrected by customer service ( no payment made ).
XX/XX/XXXX Statement reflected amount due of {$130.00} customer service indicated one of the payments made in Q1 had been applied to principal balance and a partial payment was now due by XX/XX/XXXX.
XX/XX/XXXX Payment of {$130.00} made to Kia Finance XX/XX/XXXX Spoke with multiple representatives who stated that one of the payments was still applied to principal and they resubmitted the claim.
XXXX ( supervisor ) who advised me that he would manually adjust it for me. I asked what I should do about the XXXX payment and was told that he was going to adjust it.
XXXX ( supervisor ) resubmitted the request to the payment department.
XX/XX/XXXX XXXX ( Kia rep ) stated that request to apply overpayment to future payments was denied because the {$3300.00} payment was past 6 months and they could not go make adjustments that far back.
I advised that I made the request in XXXX prior to the 6 month timeframe XXXX transferred me to XXXX XXXX from the back office team who advised that she would get this fixed XX/XX/XXXX Told by the back office team that both payments were already applied to payments and that I needed to speak with customer care so they transferred me XXXX who was part of the escalations team who told me that the payment of XXXX was not applied to payments but to principal. She then told me that since it is past 6 months there is nothing they could do and advised me to write in to have my account reviewed.
I ended up calling back to ask for a deferment because I was not expecting to have a payment and spoke with XXXX who stated that the 6-month rule does not apply because she found the request that I made back in XXXX. So she resubmitted the request with the original request from XXXX attached to the request XX/XX/XXXX I checked my account to find out that now my account shows past due of XXXX dollars. I called and the rep advised that payments were being reversed to allocate the payments to future payments and to call in 24hours if it was not fixed XX/XX/XXXX XXXX advised the same as rep on XX/XX/XXXX. He stated that payments were being reversed and they are still working on correcting the account and to call back in 48 hours.
XX/XX/XXXX Same as XX/XX/XXXX XX/XX/XXXX XXXX reported my loan past due to credit bureaus XX/XX/XXXX Rep advised that Kia Finance would not allocate {$3300.00} payment to future payments and had reversed the payment previously applied because it was submitted by the dealers check.
I reiterated that I havent had an amount due for 6 months and inquired as to why they were not accountable for their error.
Rep advised that my account is past due {$2800.00} because of fees and past due payments and that I needed to make a payment of $ 1200+ to get my account out of jeopardy of the repossession. Feeling overwhelmed, I told the representative that I would call back after I evaluated what was happening.
XX/XX/XXXX XXXX XXXX ( supervisor/ floor lead ) advised that he escalated the issue, would listen to the previous call, and would call back that day to resolve - no callback XX/XX/XXXX XXXX ( supervisor/ floor lead ) submitted another request for manager call back - no call back received XX/XX/XXXX My spouse and I spoke to XXXX XXXX ( collection manager ) who admitted corrections were made to the account but denied that Kia had any responsibility for the mistake. She would not state what date the {$75.00} in late fees were applied to the account. She agreed to mail out a corrected statement reflecting {$3400.00} due instead of the {$8100.00} showing on the XXXX statement but stated the car could be charged off and repossessed before the statement arrived. - no callback to date
|
| 03/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
In XXXX of 2021, I relocated from New York to Texas with a leased vehicle. When I arrived in Texas, I scheduled an appointment with the tax assessor office on XX/XX/2021. The state of Texas requires registration of vehicles to be processed through this office, not the DMV. When I arrived with the paperwork, I was told I needed a limited power of attorney as I leased my vehicle and did not own it, and to contact my leasing company. This is where the horrific experience with XXXX began.
I contacted my leasing company on that date, and the representative was insistent that my informed needed to be sent to the DMV. I reiterated to her multiple times that the DMV did not process vehicle registration in Texas. She refused to acknowledge my request to send it anywhere by the DMV and told me to contact them. I did so, and was told about a form that was needed for the limited power of attorney. This is the responsibility of the leasing company and the DMV, confirmed, they did not process these types of requests. I Called XXXX back, and they directed me to send a request in writing through their secure message system to process the request. I did so.
After 2 weeks went by, I heard nothing. I then Called XXXX again and got a different representative, who told me different information about my request, and told me not to worry about the form and that the titles department would know where to get it. After this, the power of attorney was sent to the wrong place, the DMV, and the secure messages can no longer be found on the server.
I followed up on this months later on XX/XX/XXXX to try and start the process over again. I got a third representative from XXXX, and asked to speak to a supervisor. The supervisor was condescending and rude, and I asked him if this form could be faxed over, which was requested by the Texas tax office. He said that while they normally do not do that, he would put in the request and also send it via XXXX. He said this process would be 3-4 business days. I reiterated the address and fax number to him multiple times. 10 business days later, I had no response and called back again.
For the first time in this process, I got a helpful associate at XXXX who explained to me the process in detail. She told me that the request still had not been processed, and to call back in a week or so where she could give me a XXXX tracking number. I was upset, but I said okay fine. When I called back a week later, I had a tracking number and asked about the fax that should have been sent. I was told this was not their department and they couldn't track that, but I could have the tracking number. I checked in on the tracking number until it was delivered on Thursday, XX/XX/XXXX. I called the tax office, and they had not received the package because, once again, it was sent to the wrong place, being XXXX XXXX, Texas and not XXXX XXXX, Texas. Frustrated, I asked what I could do in this situation. They told me if I could get them a fax number from XXXX, they could request it directly.
I called XXXX back, again. XXXX said the tracking number said delivered, to which I said, once again, that it was a completely different location. I asked for a supervisor, who was the rudest woman I have ever encountered. She told me that she could put in a request to send another copy, and that XXXX does not keep drafts of that on file so it would take 7-10 business days to draft a THIRD copy of a simple form. I told her this would not be acceptable, and that I needed this faxed today or sent to me directly. She told me that she can " put in the request to be faxed, but could not guarantee that it would be. '' I asked to speak to her supervisor, and she said " She's going to tell you the same thing as me '' before transferring me. I then got the fax number from the second supervisor.
After googling the fax number, an entire support page comes up about this type of thing. When I first contacted XXXX, and multiple times after, multiple associates told me they could not fax this type of document. This was a lie. I contacted my tax assessor office, and went line by line word by word about the information they needed to include in the request. This request was sent on XX/XX/XXXX. As of today, XX/XX/XXXX, no fax has been sent by XXXX with my power of attorney. Another request has been sent.
|
| 01/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that a company names KIA MOTORS FINANCE had illegally posted an alleged collection account to my credit profile. My report shows that it is a closed account and was opened on XX/XX/XXXX with a balance of {$11000.00}. I have no knowledge of this new company to which this debt has been sold, and this account has exceeded the span of 7 years. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent from this new company. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, XXXXm publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. ( KIA MOTORS FINANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX )
|
| 02/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I co-signed on a loan for my daughter for a new XXXX vehicle. About two weeks later, she was in a car accident that resulted in the vehicle being a total loss. I immediately filed a claim with our insurance company and continued to make the payments on time until the loan was paid in full by our insurance company. The insurance claim process took extra time to settle because the car was brand new and had never been titled before. Title processing, receiving the new title, receiving the new title from the state, and transferring to XXXX, and finally to the insurance company took about 3-4 months. The insurance company required a title to cut a check. Regardless, I continued to make the loan payments on time. No payments were ever past due, and the loan was eventually paid in full. As a matter of fact, I had made an extra payment, that was eventually returned to me by XXXX, because I was worried XXXX would not receive the loan pay off from the insurance company before the last payment was due.
After five months, in XX/XX/XXXX, XXXX finally received the pay off check from XXXX.
My credit reports did not indicate any late payments or charge off until after the loan was paid in full. XXXX reported to the credit bureaus that the loan was a charge off and reported I was late on two payments in XX/XX/XXXX and XX/XX/XXXX. I WAS NEVER LATE! I made monthly payments by phone to XXXX each month, before the end of the grace period. As a matter of fact, the XXXX representative told me to wait to make the monthly payment until the last few days of the grace periods in case they received the insurance pay off check before then.
My credit is very important to me. My credit score was around XXXX before this. After the inaccurate XXXX reporting, it went all the way down to around XXXX. This inaccurate reporting has affected me and my credit in so many ways! The loan was never a charge off, and I always paid each monthly payment before the grace period ended, although thats not what is reported.
I was told by a Hyundai Finance representative that the loan is being reported as a charge off because I didnt pay off the loan in full quick enough, as payment in full is required in a certain amount of days in a total-loss situation. ( They never informed me of this stupid policy while making my payments every month on the phone, knowing the whole situation. ) I was later told the only way for me to have avoided this credit reporting was to pay the loan off in full myself, in the required about of days ( I believe it was 120 days or so. ) I was informed I could send a letter to Hyundai Finance Disputes Department, and it had to be a letter form they did not have a phone number only written correspondence was allowed to this department.
I have written the disputes department twice, and they have rejected my requests both times stating the disputed information is accurate as reported.
I feel I am being punished even though I was completely financially responsible, and fully fulfilled my financial obligations. I continued to make the payments on time, every month until the loan was paid off by the insurance company claim. The pay off check was mailed directed to XXXX by XXXX insurance company. Apparently, the only way the charge-off reporting could have been avoided was to pay the {$28000.00} loan off in full myself, out of my own pocket, within their short time limit. How many people can actually do this? As long as I was making the payments on time, and they confirmed the insurance claim was processing, and all they were waiting on was the car title to pay off, why is a derogatory credit report being made?
Ive tried very hard, for several months, to rectify this situation with Hyundai Finance ( verbally and written ) and they have refused to help.
Please help me get the XXXX charge-off and late payments reported to the credit bureaus corrected on my credit reports.
Thank you so very much!
Respectfully, XXXX XXXX XXXX : a As you can see, XXXX was not reporting any late payments in early XX/XX/XXXX, but once the loan was paid off, they are showing late payments and charge offs in XX/XX/XXXX and XX/XX/XXXX. So they reported on time payments, then change it once the loan was paid in full. It does not make any since.
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I've been making disputes since XX/XX/XXXX, let me start from the beginning.
In XX/XX/XXXX I leased a XXXX Hyundai XXXX XXXX. It was a 36 months lease at {$350.00} a month. This was at XXXX Hyundai XXXX, I used to work as a sales/leasing consultant here.
XX/XX/XXXX, when the COVID-19 pandemic shut everything down, my lease was due. I left several messages for the bank as well as the dealership because I had never leased a vehicle before & needed to know how to return my lease. I tried going to the dealership but they were closed.
When everything started opening back up no one got back to me. I went back to XXXX Hyundai XXXX to turn in my lease. Mind you I made all 36 payments on this lease/loan, never missed a single one!
I didn't have a job at the time of turning the lease in but the sales team that never got back to me about turning the lease in was trying to pressure me into financing another car before checking my income history & telling me there was nothing they can do.
So I tried to call the Hyundai Motor Finance to extend my lease. They said there would be no income check but that I'd be responsible for 3 months up front ( It took approximately 3 months for everything to open back up after COVID-19 shut everything down ), as well as the following 3 months.
I tried to contact XXXX Hyundai XXXX again because Hyundai Motor Finance had told me to pay them {$2100.00} upfront to extend my lease for 6-months. So when contacting XXXX Hyundai XXXX XXXX yet again leaving several messages about how I needed to turn in my lease no one got back to me. The sales person I was working with finally answered one day & said there was nothing he could do until getting me approved on a new loan.
A couple of days later I woke up to the car being gone. I called around & found out it had been repossessed. This dropped my credit score XXXX points when I had never missed a payment in my life & had no option to pay when the lease was due because my account was closed out on Hyundai Motor Finances website. They also put me through debt collection making it so I couldn't log into my account to even update any information like how I was moving.
When calling the debt collection agency they told me I owed no money & had nothing to worry about. I updated my address with them because calling Hyundai Motor Finance would just forward me to the debt collection department.
After moving I saw I was in collections with an amount of {$450.00} or something around that amount after the lease was ended.
When calling them I paid them the {$450.00} because Hyundai Motor Finance told me there was nothing they could do about it until I paid them. Hyundai Motor Finance was not helpful but the debt collector gave me the information to dispute the debt.
I disputed it several times since XX/XX/XXXX & the remarks on my account have been changed from repossession to paid charge off.
Hyundai Motor Finance never updated my address so I should never have been in collections because I made all my payments during my lease. They sent the final bill 2 years late to the wrong address before putting me in collections. When I found out I paid the same month of that bill.
My lease & lease turn in has been paid. I pay 100 % of my bills every month & always have. 9 years of building my credit from non-existent to a XXXX went down the drain because the lease " repossession '' dropped me down to a XXXX, then the " lease turn in debt '' had dropped me down to a XXXX. This company has all together costed me XXXX points on my credit report, this caused raising interest rates on my credit card & I've been paying so much more in interest due to the incorrect remarks on my account & the company using a pandemic to royally take advantage of me.
Everything I worked so hard for has been ruined & I'm still facing the repercussions of this today as a XXXX XXXX XXXX who's never missed a payment. I've attached photos as well.
Hyundai Motor Finances keeps " updating '' my credit report but not fixing it. It now doesn't show the correct payment history & is still marked as a repossession as well as bad debt charge off with XXXX & missing information all together on XXXX because they refuse to remove the false negative remarks from my account.
|
| 05/22/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
I strongly believe this is a deceptive practice and fraud to extract more money form me in addition to what I already paid in full. I have a lease agreement for 36-months in the amount of {$230.00} a month, total of {$8300.00} paid in full. After I return the car to the Hyundai dealers they want another {$9500.00} for debt collection. This is an outrage deceptive practice and fraud for profits from Hyundai XXXX XXXX. Please allows me to explain this in detail.
I agreed to lease a vehicle from Hyundai dealer located on XXXX XXXX XXXX XXXX TX XXXX from XX/XX/XXXX to XX/XX/XXXX with the salesman XXXX XXXX ( XXXX ) XXXX. At the time of signing the agreement the salesman asks me to estimate the mileage that I may drive and the purpose for using the vehicle. He also told me if I use more mileages than his estimate that was no problem, as long as I follows the instruction to maintain the condition of the car. And I did, for 3-years I made monthly payment on time and maintain the condition of the vehicle as I was instructed.
I was told that I have an option to purchase the vehicle at the end of the lease but wasnt required. About 4-weeks before the lease end I received a Lease-End Kit with all the terms and condition and I brought the car in for inspection.
The inspection status report come to the total of {$1300.00} for repair service ( with {$290.00} for transmission fluid? XXXX. On XX/XX/XXXX I received the inspection report status I called and spoke to XXXX XXXX XXXX he said its only an estimate repair suggestion. I could get these items done at this Hyundai dealer or any other auto shop of my choice and its not a mandatory. He also told me the {$400.00} for 4-tires was a mistake it shouldnt be included in the report after I told him I had bought the 4-new tires just few months ago with proof. The service manager also told my son the car inspection was clean and good.
On XX/XX/XXXX I received a letter from Hyundai XXXX and I spoke to the salesman XXXX XXXX because my son wants to buy this car and wants to know the price ( XXXX ), I was told the price is firm and not negotiable, my son couldnt afford for this price at the time because he got lay-off that same week.
On XX/XX/XXXX my son and I brought the car back to the dealer I gave the keys to the salesman XXXX for the final inspection. He came back later with a happy face and said the car is good and clean. I asked him specifically Do I own anything or require to pay any additional fee? The answer was No, you dont own anything and youre good to go, I hope you come back and buy a car from us.
Then on XX/XX/XXXX I receive a letter from Hyundai XXXX demanding payment of {$9500.00} that I own them and is a debt collection.
1 - I paid {$230.00} at the time of signing lease agreement plus 36-monthly payments paid in full {$8800.00}.
2 I paid my bill in timely manner and pay as agree with the amount, and I follow the instructions to maintain the condition of the car.
3 I brought the car in for inspection when it was required, twice I was told the car clean and in good condition after the inspection.
4 - The dealer was happy when I return the car in clean and good condition and said I own nothing, but Hyundai XXXX XXXX want to extract more money that falling from the sky.
No body at this dealer review the terms and condition of Lease End with the penalty price of {$9500.00} to me at the time of signing the agreement, or gave me a choice to decline or accept this kind of leasing condition. The intention and the scheme to rip-off a consumer like me is clear and very obvious at the end of this lease agreement. This is as same as you hand over to me a 6-months old baby and wants me to return that baby after 3-years still the 6-month old baby, that is impossible.
This is an outrage deceptive practice and fraud to extract more money from a consumer like me. I am near XXXX old retired lived on SSA benefit and I am not asking for hand-out, nor do I want to get rip-off from Hyundai Motor Finance. I am asking for your help to investigating this type of fraud that car company and their dealers throwing at the consumer every day. I am looking forward to hearing from you and thank you very much for your understanding.
Sincerely, XXXX XXXX
|
| 11/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Kia has continually failed to rebalance payments made on XX/XX/2022 and XX/XX/2022 to principal-only. These extra payments, which I routinely make between my monthly auto-payments, are my way to reduce reduce total interest owed on my loan. On XX/XX/2022, I made a payment of {$1600.00}. As I had done successfully for at least a DOZEN PREVIOUS PAYMENTS, I called the next business day ( Monday XX/XX/2022 ) and requested that Kia re-allocate 100 % of that payment to principal. Similarly, on XX/XX/2022, I made a payment of {$650.00}. I also called the next business day ( Monday, XX/XX/XXXX ) to have this payment re-allocated to my principal balance in order to reduce my total interest due on my next autopay ( XX/XX/2022 ). It has now been more than a month-and-a-half since these requests and Kia still has not made these adjustments.
I have spent hours on the phone calling Kia Finance, and have been constantly lied to about the current status of these requests. For example, on XX/XX/2022 I was told by the representative that she had placed a 'high priority request ' on my behalf to expedite my now months-old re-allocation requests. When I called Tuesday, XX/XX/XXXX and spoke with XXXX XXXX XXXX ' I was told that no such request had even been put in. I also spoke with XXXX XXXX XXXX on Tuesday, XX/XX/2022 who told me that he had put in a " high priority '' request and that it should be processed by XXXX XXXX XXXX When I called to follow-up, I find that XXXX ' had associated the request WITH THE WRONG PAYMENT DATE! My problems are related strictly to payments made on XX/XX/2022 and XX/XX/2022 -- 'XXXX XXXX had associated my complaint with a random payment made on XX/XX/2022. Unbelievable!
I have also made at least two additional requests with other Kia staff to have my rebalance applied -- some staff say that the requests were processed correctly even though they are clearly not ( I can confirm this by comparing the data from my Kia Online portal with my own calculations spreadsheet ; I have also confirmed that the payoff quote provided by the Kia portal uses the INCORRECT principal and interest-due amounts ). One Supervisor even had the gall to tell me what I was wrong and that Kia was correct. I asked this supervisor to furnish a transaction record showing the status of my payments and how the payments were applied. I received this document via email on Tuesday, XX/XX/2022 and was not surprised to see that THE PAYMENTS WERE CLEARLY ALLOCATED INCORRECTLY, DESPITE MY REQUESTS! Kia had taken out the amount of my monthly payment ( {$460.00} ), extracted interest, and THEN applied the rest to principal. This story was true for payments made on both XX/XX/2022 ( {$1600.00} ) and on XX/XX/2022 ( {$650.00} ). What kind of training do these Supervisors have? Completely unacceptable.
Some lower-level staff even put in their own 'high priority requests ' on my behalf -- I have waited many periods of 'three to XXXX business days ' and countless 'emails to the back office ' only for none of these requests to be processed. Another rep I spoke with literally admitted the error is on Kia 's end, yet nobody at this company has taken any responsibility or has even been able to explain the error to me. HOW CAN YOU FIX SOMETHING IF YOU DON'T KNOW WHAT THE PROBLEM IS? There is apparently a back-room group called the XXXX XXXX ' that handles these escalations, yet as far as I can tell this group can not be contacted directly and they act outside of accountability, and on their own whims.
This all seems like a really great deal for Kia though -- after all, by failing to correctly process reallocation requests, Kia gets to squeeze easy extra interest money out of its customers ( also known as THEFT ). And since I am very close to paying off my car, I now have XXXX options : ( XXXX ) WAIT for Kia to fix its errors and end up paying EVEN MORE interest than I have to, or ( XXXX ) Pay the car off as planned BUT pay the INCORRECT payoff amount. And do you really think that Kia is going to reimburse me once they get their money? I am fed up with this company and will NEVER finance with Kia again. I have also made sure that nobody I know will Finance with Kia, or even purchase Kia vehicles, again.
|
| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX I surrendered the lease of ending VIN # : XXXX, a XXXX XXXX XXXX XXXX, to XXXX XXXX in XXXX XXXX, OH.
Instead of returning the vehicle for auction or wholesale, XXXX XXXX kept the vehicle and resold it on their lot in XXXX XXXX, OH.
XX/XX/XXXX, I received a final invoice from XXXX XXXX XXXX stating that I owed for an early lease termination, in the amount of {$3500.00}. According to section 14 ( c ) of the executed lease agreement signed on XX/XX/XXXX, I have the right to dispute the realized value of the vehicle.
XX/XX/XXXX, I mailed a letter to XXXX XXXX XXXX, disputing the realized value, sales fee, and adjusted lease balance. Based on my calculations and evidence from XXXX, XXXX, and XXXX, I proved that the balanced owed was {$320.00}.
XXXX XXXX XXXX never responded to my letter, nor advised how they would go about fulfilling their requirements of section 14 ( c ) of their lease agreement.
XX/XX/XXXX, a representative named XXXX, called me from the XXXX XXXX XXXX department, requesting payment of the {$3500.00}. I explained to her that I had disputed the balanced claimed to be owed, and I was waiting on a written response. XXXX advised me to email the letter to her department again, and they would respond. I emailed the XX/XX/XXXX letter to : XXXX, per the representative XXXX.
XX/XX/XXXX, I received another phone call from the lease maturity department. I again requested a written response to my XX/XX/XXXX letter, detailing the calculations of my alleged balance due, per the lease agreement. I sent another email to : XXXX.
XX/XX/XXXX, I sent a 3rd email to : XXXX, again requesting a written response to my XX/XX/XXXX letter, detailing the calculations of my alleged balance due, per the lease agreement XX/XX/XXXX, I mailed a 2nd letter to XXXX XXXX XXXX, again disputing the balance they claimed I owed, based on my XX/XX/XXXX calculations. Based on my calculations, I enclosed ck # :XXXX for {$320.00} made out to XXXX XXXX XXXX, with the memo notation " early lease termination '', and in the letter I stated this check " fully satisfies my debt to XXXX XXXX XXXX in regards to account ... ''.
Again, XXXX XXXX XXXX didn't respond to my 2nd letter nor any of the 3 emails, however, they cashed my check for {$320.00}, on XX/XX/XXXX.
XX/XX/XXXX, I emailed XXXX XXXX XXXX at : XXXX, disputing the balanced owed and the reporting of late payment to XXXX and XXXX. Since I expressly stated that the check for {$320.00} was to fully satisfy my lease with them, and they hadn't provided any proof otherwise, I requested to have the negative history deleted and the account reported with {$0.00} balance.
XX/XX/XXXX, I emailed XXXX XXXX XXXX at : XXXX, again disputing the balanced owed and the reporting of late payment to all credit bureaus. As a result of their negative reporting my credit score had dropped 120 points at that time. Prior to this negative reporting, I have never had any negative reporting in my life on any of my credit bureaus. I requested to have the negative history deleted and the account reported with {$0.00} balance, since they knowingly cashed the check for {$320.00} to satisfy my lease.
XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX, claiming to be willing to settle the balance for {$2600.00}. However, I didn't owe anything!
XX/XX/XXXX, another letter was mailed to XXXX XXXX XXXX disputing ANY balance being owed and the negative credit that continued to be reported erroneously.
XX/XX/XXXX, the same XX/XX/XXXX letter was faxed to : XXXX, as listed on their collection letter.
XX/XX/XXXX, I received a new collection letter from XXXX XXXX XXXX XXXX XXXX on the behalf of " XXXX XXXX XXXX XXXX '' demanding the payment of {$3200.00}.
XX/XX/XXXX, the same XX/XX/XXXX letter was faxed to : XXXX, as listed on their collection letter.
XX/XX/XXXX, a letter was mailed to XXXX XXXX XXXX XXXX XXXX, demanding that they " cease and desist '' all collection efforts on this matter until my disputes are resolved.
XXXX XXXX XXXX has yet to provide any supporting documentation to prove that I owe anything further than the {$320.00} that was paid to them on XX/XX/XXXX, and they accepted payment on XX/XX/XXXX.
|
| 01/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
Older American |
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In XX/XX/XXXX, I purchased a new XXXX XXXX XXXX automobile from XXXX XXXX on XXXX XXXX XXXX. in XXXX. According to the lease, the gross capitalized cost was {$32000.00}, and the agreed upon value of the vehicle was {$30000.00}. In order to lower my monthly payments, I put {$5000.00} cash down on the car. This was entirely discretionary ; it was NOT required under the lease. The adjusted capitalized cost of the car was {$26000.00}, after the original cost was reduced by my {$5000.00} cash down and other incentives/rebates. I financed the {$26000.00} through Hyundai Capital America/Kia Finance* ( `` Hyundai '' ) XXXX and my base monthly payment was calculated based on that number. ( Note : It is my understanding that Hyundai owns Kia. ) On XXXX XXXX XXXX, I was in car accident and my car was declared totaled. The other driver accepted full responsibility for the accident. I immediately reported the accident to my insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX, as did the other driver to her insurance company.
XXXX had my car valued and the evaluation report showed that the actual cash value of the car at the time of the accident was {$30000.00}, while the actual net settlement amount ( which took into account 3 % tax, registration fee and title fee ) was to be XXXX. When XXXX informed me that they intended to send a settlement check to Hyundai in the amount of {$30000.00}, I objected and said that that amount should be reduced by my cash down payment of {$5000.00} because, otherwise Hyundai would obtain a windfall of {$5000.00} and I would lose {$5000.00}. XXXX told me that I would have to take this up with Hyundai.
I called Hyundai ( actually its Kia Finance division ), and was told that, under the lease contract, they were due my {$5000.00} cash down payment -- even though this was MORE than the outstanding balance on the loan, would OVERCOMPENSATE them for the car by {$5000.00}, and cause me to lose {$5000.00} without any fault on my part -- because in situations such as this, they were not only due the outstanding balance on the loan ( which would make them whole ), but also any money I put down in cash -- even though this caused the settlement amount to be GREATER than the outstanding loaned amount. In support of this position, they pointed to a provision in the loan agreement that says " We are entitled to all insurance proceeds for physical damage to or loss of the Vehicle, even if the amount of the proceed exceeds the Adjusted Lease Balance or other amount you owe under this Lease. '' The lease agreement does not explicitly state that a cash down payment will be lost if the assessed value of a totaled car exceeds the outstanding loan amount, nor would a reasonably intelligent person reading this provision ever think it would be applied in this way. Moreover, this provision -- as applied in this way -- is unclear, without consideration, unethical and fraudulent.
If Hyundai is allowed to keep my {$5000.00} cash down payment, they will be unjustly enriched, since this money makes them MORE than whole, while it leaves me unjustly damaged through no fault of my own. I have had several conversations with Hyundai ( as well as XXXX ), and they have been to no avail.
One final point : I leased a XXXX XXXX XXXX from the same dealer at the end of XX/XX/XXXX. When I did, I asked if my {$5000.00} cash down payment on the XXXX XXXX XXXX would transfer over to the XXXX car, and I was told that it would not since the XXXX car would be covered under a new account. At no point was I told that this was so because Hyundai would take the position that my {$5000.00} cash down payment would be lost, even though this OVERCOMPENSATED them for the car. ( In fact, the XXXX dealer told me that if I had purchased the car before the accident, my pay off amount would the something in the neighborhood of {$24000.00}. ) Thus the XXXX dealer took ANOTHER {$5000.00} cash down payment on the new car. This was unethical, as well as being unjust, because, as the XXXX dealer later told me, he knew Hyundai would " scoop up '' my {$5000.00} cash down payment as if it was their own.
Can you help me fight this unethical and fraudulent practice?
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| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The last response you gave me was that i am confused about my consumer rights and that i do not have the rights to opt of my personal information being shared to third party companies like XXXX XXXX and XXXX and you are so laughable for even insulting me.
The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.
In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX & XXXX ) XXXX
According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution.
Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.
In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA.
PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control.
Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.
Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.
I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to a federal complaint.
RE- Defamation of Character This is about the CFPB reply received XX/XX/2023 .While going through the response, I came to know that you are not complying correctly about a few inaccuracies and even some fraudulent information that was reported in it. Remember this is fraudulent because invasion of my privacy of you sharing my info with the third party companies.
According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity.
If the debts were valid you created a false impression that I was not able to pay the alleged debts.
As a result, I was discriminated against a denied my right to extend credit. I also suffered emotional as well financial hardship .Therefore, your company is liable to 15 USC 1681o I hereby grant your company the opportunity to remedy this matter by doing the following things 1- Deletion from all consumer reports 2- pay as per the attached invoice Thank you for your cooperation.
Below is all the proof you need and i will hope you remove these accounts ASAP upon receiving Below I will attach me getting denied because of you below i will attach the consumer law that proves that i in fact do have that ability to choose opt out but you never gave me that option EVEN THOUGH I HAVE IN WRITING that you said i dont so REMOVE ASAP
|
| 12/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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After reading the Fair Credit Reporting Act, the XXXX, a few XXXX 's and what was given to me as my entire car contract which was just and installment agreement. I started to become very aware that both the KIA dealership and KIA XXXX were both committing Security fraud among a few other violations. I starting sending them mail asking for my full contract that I signed and was reverted back to the dealership.I went in person to the dealership and was told they no longer have said document and the installment agreement that I was in possession of was all I needed. I then processed to mail in about a billing error and they denied my request. On XX/XX/2022 I sent a certified mail to both the CEO and their general cooperation address with a RIGHT OF RESCISSION because in the contract I was given it DID NOT state I even had the right to do so with in 3 days of the contract per 15 USC 1635 ( a ). In this same letter I made them aware that I paid cash down payment to the dealership which is a third party in connection with said loan which is a violation per 15USC 1605- ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : I pointed out 15 USC 1635 ( b ) - ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor XXXXay retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
I gave them 20 days to both return the money I have paid thus far and remove any negative things from my credit report, instead on XX/XX/2022 they illegally repossessed my car. When I called KIA and asked them to see a copy of the repo order they referred me to the third party company that towed my car and that company did the same thing referring me back to KIA XXXX so I did a UCC 11 search to see if they legitimately had a lien on my car and to my surprise there was non. in closing there was no transparency regarding the process of the consumer credit application being the financial asset per 12CFR 360.6 ( 2 ) as well as self liquidating paper per 17 CFR 260.11b ( 6 ) which leads me to believe Kia XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.
|
| 09/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XXXX XXXX, XX/XX/XXXX in XXXX PA my XXXX XXXX XXXXXXXX broke down. got it towed to the dealership in XXXX PA to get diagnosed. my engine blew and they couldnt fix it! I had an extended service warranty. They said we could trade it in and I needed to get home to Delaware.
XX/XX/XXXX I walked into XXXX XXXX XXXX XXXX, after tripping over there broken sidewalk and injuring my leg. I re-explained my situation and that I have XXXX and I dont have enough meds to stay. I told them my grandmother could cosign for car because I knew my credit wasnt the best but I have no money down because this was obviously not in the plan. So they ran both of our information and it was getting late but they couldnt get anything for me that night. Had to stay in Hotel. My brother drop me off and I scrambled to figure out other ways to get myself home. Seeing if I could tow it? Have my warranty company get it home since they got it to the dealership from when I broke down? The next day I called to check in and still nothing they did not find anything on the lot under any credit union or bank but I got a Were still trying hang in there my XXXX and my XXXX were already spiked from what had happened and that night I had taken my last dose of medication! I felt trapped already I was scared and alone and I just wanted to go home! The next day I called again and I got nothing again! I had friends and family working back home to see what they could do on their end but came up with nothing! I finally received a call about a car they did find and of course they needed my cosigner there so my grandmother had to take a 5 Hour Drive herself. We got to the dealership sat down and we were told I had two options leave my other car for voluntary repossession or trade it in for the only car they found in XXXX XXXX XXXX with XXXX miles on it and that they could only finance me through their company Kia motor finance. My payments would be {$630.00} a month because of my negative equity on the other car because they only gave me {$6000.00} for it out of the {$13000.00} I owed. I couldnt afford it I know I couldnt afford it but they convinced me that even if they do the breakdown on my engine the warranty company may not pay for it and I didnt have the money out of pocket if that was the case either and then I would really be stuck. I had a XXXX XXXX XXXX. Me and my grandmother both looked at each other realizing we had no other choice it was either this or have a voluntary repossession on my record! We had to get home and I needed to get to work every day. We signed the papers we were there until XXXX. before we left there was another thing they needed before they could finish the deal or it wouldnt be complete. They needed my grandfather cosigned on my XXXX XXXX to come back up with us the next day to sign it over to them! We explain to them that hes too sick to make that drive, After arguing with them they agreed to let us leave on a dealer plate and they would come down to our house tomorrow to have him sign the papers but if he refused they would take the car back and we would have to figure out another way to get the other car here! XX/XX/XXXXXX/XX/XXXX got home they called us and said instead of coming today meet us in XXXX tomorrow Saturday, XX/XX/XXXX to sign over the rights to the rights to the XXXX that one of their guys would be there and where to meet us! Upon doing so the man switched my plates and away we went. The whole thing from the beginning didnt feel right but I didnt know what else to do. In the months to follow more information popped up about this entire ordeal we later found out that before we sign the rights over to the car they fix the engine under the warranty before it was theirs to do any work on and I did not give them permission to do so! Afterwards they sold it and made a profit. After explaining that I was going through a financial hardship due to my health and other factors several times they refused to work with me until I paid 6 consecutive months of payments. So I just kept giving me what I could, and now they want to repossess the vehicle!
|
| 08/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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First : I never received a final bill from either XXXX or KIA Motors Finance regarding the charges on the account. I was never properly notified of this debt, and my credit was severely impacted as a result. The following are the issues that I have been facing with the XXXX company : I previously was able to pay my monthly payments online on the Pay XXXX XXXX website. On XX/XX/XXXX, I logged in to the portal and noticed that I could not pay my balance. The section of the portal that states the balance was blank. I thought that this was odd because I did not receive any letters, emails, or calls regarding the account. So, on XX/XX/XXXX, I called XXXX to discuss the account and whether it had been inactivated. The person that I spoke with stated that my account was still active and that it had been grandfathered in to their new system. That persons supervisor assisted me with getting access to their new system. The new system ( on a completely different website named XXXX Now ) stated that I owed over {$10000.00} on my account, which was over double the actual amount that I owe. Unfortunately, the call ended before I could discuss this with the supervisor.
On XX/XX/XXXX, I called XXXX again to dispute the amount that was stated on the account, but I was unable to speak to anyone. I also noticed during that call that I was unable to pay using the automated system because it stated that my account had not been authenticated yet. I left a message for XXXX to return my call.
On XX/XX/XXXX, I missed a call from XXXX because the call only rang once before ending. No voicemail was left. This is odd because XXXX typically leaves a voicemail and they are aware that they can leave a message.
On XX/XX/XXXX, I received a call from XXXX of the representatives named XXXX XXXX. We spoke for a couple of seconds before the call disconnected. I called her back immediately, but I was informed that she went to lunch. The man that I spoke with offered to help, so I informed him of the situation. He proceeds to tell me that I have a new account number. He also informs me that theres a third web portal where Im supposed to be paying. I inquire as to why I was not notified about this, and he stated that he wasnt sure. I log on to the portal with the new account number, and notice that the total amount that I owe has once again increased to over {$12000.00}. I bring this to the mans attention as this is now XXXX times what I owe, but he is unsure of the reason for the discrepancy. I notify the man that I will try to pay my balance using the new number and the automated phone system because I do not feel comfortable disclosing my bank account information to such a shady company. Even with the new account number, I receive the same message that states that my account can not be authenticated. I speak with a representative who states that she will have XXXX give me a call back once she returns from lunch, but I never receive a call from her. I go online to try to pay on the new portal, and I notice that there are XXXX different accounts all under my name and that XXXX of the accounts are for a XXXX XXXX Account. The third account is for XXXX XXXX. All three of these accounts are incorrect because my car was financed through KIA Motors Finance. At this point, I do not feel comfortable paying into any of the accounts because I can not guarantee that anything is legitimate, especially considering I never received a final bill from KIA Motors Finance.
After that, I tried calling to speak with XXXX XXXX multiple times, but was never able to get in contact with her until XX/XX/XXXX. She transferred me to her manager, XXXX XXXX. I point out all of the discrepancies that I have been having with my account, but nothing is resolved. Instead, she continues to insist that I pay over the phone or mail in my payment. I also discussed with her the fact that the system doesnt allow me to make a payment in the amount that I typically pay. She is unsure of the reason why and says that she will have her supervisor look into it. To this date, no changes have been made to my account.
|
| 09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Hyundai Motor Finance ( HMF ) reported a delinquency on my payments to the credit bureaus claiming that the XX/XX/XXXX payment was done 87 days late, which I'm disputing.
My car loan payment is due every month at XXXX, on the value of {$400.00} USD. The first statement was posted on XXXX with payment due on XX/XX/XXXX.
For XXXX the payment was done as {$400.00} For XXXX, XXXX and XXXX I paid {$500.00} USD each month, expecting that the additional payment would be posted against the principal.
In XXXX I checked the payment history available on the HMF website and noticed that the additional payment done on those 3 months were applied against the interest instead of the Principal. I contacted the Customer Service when I learnt that the process of having the payment applied against the principal is manual and has do be done by phone or written letter.
With that information, still in XXXX, I paid the regular {$400.00} ( which in on recurrent payment directly in my bank account ) and made 2 additional payments ( {$150.00} and {$500.00} ) totalizing {$650.00} of additional payment in the month. As instructed by Customer service I called them and requested the {$650.00} to be applied against the principal.
There is when I assume the problem happen.
In XXXX I went to check again the payment history available on HMF website and noticed that the payment history was not reflecting the actual payments. I checked the XXXX statement ( available on the HMF website ) and saw that there were additional payments posted that was not made by me. The statement mention 3 payments : - XX/XX/XXXX : {$4500.00} - XX/XX/XXXX : {$2800.00} - XX/XX/XXXX : {$3900.00} None of the above payments was done. Which shows clearly a problem on Hyundai system.
The payments up to date was done as shown below ( backed by bank statement XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Up to date there are more discrepancies on the statements available on HMF website. XX/XX/XXXX to XX/XX/XXXX are accurate. XX/XX/XXXX shows additional payments as shown above. XXXX shows wrongly Unpaid Late Charges of {$61.00} USD. From XXXX to XXXX, the total amount due shown is XXXX instead of {$400.00}.
In XXXX the supposed delinquency from XXXX was posted on my credit reports for XXXX and XXXX Lowered my FICO score from XXXX to XXXX.
On XX/XX/XXXX I called Hyundai and opened an internal dispute to fix the problem. They requested 30 days to give me a solution.
On XX/XX/XXXX I called customer service again to follow up on my dispute, they said the dispute was closed and the report was accurate. I opened a second internal dispute with HMF.
On XX/XX/XXXX I called customer service again to follow up on the new dispute and got the same answer that the delinquency was correct and therefore they could not remove the entry from my credit report. I was instructed by the attendant to open a dispute directly with the Bureaus.
On XX/XX/XXXX I opened a dispute with XXXX
On XX/XX/XXXX I opened a dispute with XXXX
On XX/XX/XXXX the dispute from XXXX was closed and updated as legit, so the delinquency was not removed from my record.
On XX/XX/XXXX ( today ), I once again contacted Hyundai Customer Service that told me that nothing could be done and that they would not remove the delinquency from my credit report.
As of today, the payment history of payments are not corrected on the website, not showing properly the value paid against principal, against interest and therefore I can only assume the payoff amount is also wrong.
I'm on the process of leasing an apartment I was just requested today to pay one additional month of rent as security deposit due to this delinquency on my credit report.
Just today I spend about 4 hours dealing with this issue created by Hyundai, which cost me money and time as I have to stop working for deal with it.
It was been 4 months already, I need this to be solved as soon as possible.
|
| 09/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
|
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I bought a XXXX XXXX XXXX around XX/XX/XXXX. At that time I bought an extended warranty from XXXX through XXXX XXXX XXXX XXXX. That warranty is portrayed with false advertisement and does not cover what I was told it would, I wanted to cancel it. After months of calling and sending faxes to XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, I finally went to the Kia dealer in XXXX XXXX . After 2 trips there ( which is very far from my house ) I was given a telephone number of XXXX XXXX. ( so far the only person at the dealership that was helpful ) I talked to her on XX/XX/XXXX and she finally processed a return check for the amount of {$1300.00}. ( document 1 ) I never received the return neither a letter nor any communication telling me how was Kia finance going to handle this return.
*1 calls-I have made tens of attempts to contact a manager or person in charge that may solve my 2 main issues described later ) I have called many, many times I mean over 20 times during these 2 months after 15 to 30 minutes of waiting in the phone sporadically I have gotten a live person to talk to me, however, these are not employees in charge of making any changes or adjustments. they just give me another telephone number, and another one not giving me the name, telephone, or e-mail address of anyone in charge. After all of my failed attempts to solve 2 issues : # 1 How was my return going to be handled # 2 The company should adjust and reduce the monthly amount that they were charging for the mentioned insurance return. My monthly payments were {$370.00}., I was told that the XXXX insurance was about {$40.00}. a month, then my monthly payment amount should be around {$330.00} *2 complaints ( one of my complaints was on XX/XX/XXXX to the Consumer assistance center. Complaint number XXXX ( document 2 ) The only answer that I received was their phone number ( which is never answered ), fax, and address. ( document 3 ) Now according to them, the case is closed even though I have not talked to a supervisor and that they have not answered any of my issues. ( document 4,5 ) *3 letter-I sent a letter on XX/XX/XXXX with a return receipt certificate to Kia motor Finance XXXXXXXX XXXX XXXX XXXX XXXX Ca. XXXX.
They signed it. No response. ( document 6 ) If this horrible customer service, negligence, and bad practices wasn't enough, starting last week the payment department has been harassing me with nonstop phone calls saying that I owe 2 months payments and that they are adding late fees and extra charges, even though that they sent me an e-mail on XX/XX/XXXX stating that my XXXX payment for {$370.00} has been processed. ( document 7 ) I spoke to XXXX on the payment department for the second time on XX/XX/XXXX, he is an employee with no power to resolve this situation, about 2 conversations of half an hour trying to explain the situation and get a manager, he wrote " notes '' and transferred me to " an extension '', waiting for over ten minutes he said that I should call again " tomorrow '' I called on XX/XX/XXXX and spoke to XXXX she was very nice but again couldn't fix the problems. She transferred me again to the extension since they never gave me a manager 's name or phone number, I was again waiting for about 20 minutes with no answer.
I even made an extra payment today of {$320.00} ( document 8 ) even though that according to the above-mentioned e-mail stated that XX/XX/XXXX is paid and my XXXX payment is not due until XX/XX/XXXX I don't want to keep having issues or being penalized for their mistakes.
I have exhausted every possible way to resolve this matter. I have wasted my time, energy and I am emotionally stressed. besides, I don't want this company to damage my hard-earned credit score. I am going to send these documents to them by fax also. It has been more than enough I don't want to keep spending more time energy or money ( hiring a lawyer ) trying to resolve a simple situation with a company that I can't trust.
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|
| 01/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble getting, activating, or registering a card
|
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Web |
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I am an original owner of my XXXX XXXX XXXX. Hyundai was taken to court over their false claims of the miles per gallon that their vehicles were capable of and they lost. As part of their settlement, they offered original owners of the vehicles impacted to be a part of a payment program that would reimburse us for the difference in their claims compared to the actual miles per gallon achievable by the vehicles for as long as the original owner had the car. In order for this program to work, we were to take our car to a dealership to have them record the mileage and the dealership would then report the mileage to Hyundai who would then send us a prepaid card to reimburse us for the difference, based on the national average of gas.
I took my car in to the dealership XX/XX/XXXX to have the mileage read. XXXX XXXX, the service advisor who attended to my car, took the mileage and said I could expect to see the reimbursement card in the mail in about 30 days. At XXXX XXXX time on XX/XX/XXXX, after not receiving my card in the mail I called the contact number, XXXX, that XXXX wrote on my dealership invoice if I had any issues. After waiting XXXX minutes on the phone, someone finally answered just to say that they are currently having trouble with their system but it should be working again soon. They provided me with a case number that I could use to call back in a month when the system should be working.
So I waited until XXXX XXXX time on XX/XX/XXXX to call again. This time the call took XXXX minutes, most of it being on hold. The first person who answered immediately brushed me off and said there is nothing they can do at this point in time and that I just need to keep calling back until things are working again. From the interaction, it sounded as if they had been fielding these calls quite a bit and he even told me that they are just given a scripted response to tell people who are calling in regards to their reimbursement cards. I asked to speak to a manager and I was transferred to his supervisor, XXXX.
XXXX dodged every question I had as well as to when I could expect to receive the reimbursement that I am owed as a result of the lawsuit brought against Hyundai. I asked when the system will be available again and XXXX said he did not have any information when it would be available. I asked when did the problem start occurring so that I could have a better understanding of how long this has been an issue. XXXX said he doesn't know when the problem began aside from using the phrases " it's been quite a while '' and " months back, probably before summer ''. I tried asking XXXX to provide his best guess as to when this started by asking if it was XXXX, XXXX, XXXX, XXXX? He just kept dodging any questions about how long Hyundai has not been honoring their responsibility to reimburse people who bought their vehicles under false advertisement.
In the end, XXXX provided the same scripted answer that those I talked to previously had already told me : just keep calling back to wait for long lengths of your time because we have no clue when XXXX will honor their reimbursements they are supposed to.
This outage of their system is just so happening to occur at a time when the national prices for gas are at historic highs. I have no faith that XXXX will honestly pay reimbursement to reflect those prices and they do not provide a breakdown of how they reached the payout they send on the cards.
In addition to the gas mileage reimbursement card, I was trying to contact them about an additional {$100.00} one-time payment card they were supposed to send me that I never received. The court finally settled in late XXXX and I never received the funds. XXXX XXXX XXXX/ ( Towards the bottom, Lifetime Reimbursement Program/Additional Compensation ) The sites we are supposed to go to for the reimbursement program are no longer working. Sites such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for XXXX ) Others are also having the same problem I am, as can be seen in this discussion thread https : XXXX
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| 08/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX - Completed a vehicle lease from Hyundai of XXXX on a XXXX XXXX including XXXX - Lease was entered into the Hyundai Motor Finance XXXX website XXXX - At XXXX, Lease Buy-Out Quote Generated ( by me ). Due by XX/XX/2023 XXXX - Check from XXXX XXXX, Matching the Unpaid Balance of Buy-Out Quote was overnighted to HMF ( {$50000.00} ) including the signed buyout quote and the odometer statement XXXX - Check was received and entered on my account. Total funds paid on account {$50000.00} -- - including first payment made at dealer for {$800.00} + ( {$50000.00} ) XXXX - Called to inquire status of account closure. Also logged into account. Both reflected it takes 72-hours or more during busy times to progress into closure XXXX - Called again to check status. Told odometer statement was missing and needed to be faxed ( not attached to check ). However document said to attach to check XXXX - Faxed odometer statement XXXX - Called to check status, received notice account was now past due {$800.00}. Told by collections it was pending the buyout being finished, not to worry about past due call in error.
XX/XX/2023 - Received another notice of past due balance. I called again, was told now the past due amount was {$300.00} from the purchase fee. My contract shows a purchase price of {$50000.00} + {$300.00} for a grand total of {$50000.00}. The buyout quote shows total funds provided for unpaid balance = {$50000.00} ; total purchase price of {$50000.00}. The two numbers match Identically down to the XXXX. It appears they are both trying to alter the amount of the buyout letter due by XX/XX/2023 and/or double charge me the purchase fee.
XX/XX/2023 - Called again and was transferred 10 times between collections, support, lease buyout and spoke to XXXX XXXX in Customer Support. Told they couldn't locate the buyout quote. Asked that I email them over including the odometer statement. I did that with her on the phone. She confirmed receipt and said she would forward for correction.
XX/XX/2023 - Emailed for status. No reply XX/XX/2023 - Called again and was transferred 5 times until reaching XXXX XXXX. He reviewed the documents, the numbers, and confirmed I paid what was provided to me in the payoff quote, which included the {$300.00} fee. He said he reviewed the account and XXXX had mistakenly sent to wrong office. That he would resubmit and escalate XX/XX/2023 - Called again, transferred between offices, still working situation XX/XX/2023 - Received letter in mail dated XX/XX/2023 - Stating that I provided funds {$300.00} short, and that my original funds would be return if no additional money provided within 10 business days XX/XX/2023 - Called again, spoke to XXXX in Lease Buy-Out. Stated the funds were due to the first payment being credited erroneously in full and that it should have been reduced by {$230.00} + sales tax. I reiterated to XXXX, that I paid sales tax on the entire vehicle purchase price ( Maryland law ) at time of purchase. My contract reflects State Tax within the lease at N/A and the buyout quote received also reflects the sales tax at {$0.00}.
XX/XX/2023 Called and transferred 8 times within 95 minutes from XXXX. I asked if my account was going to be held while in review, since I am being told the office handling the issue doesn't take calls, and will take 4-5 business days to reach out to me. Eventually hung-up on by XXXX XXXX at XXXX.
I have a loan open with XXXX, who is expecting a Maryland vehicle title in their name ; funds provided to HMF as of XX/XX/2023 totalling the amount requested. My title has not been released and I can not get a straight answer on what additional funds ( or why ) must be provided. This is incurring me an additional cost as I will have to pay a fine for being late with the title swap, I will incur an increased interest rate, a cancelled loan which I would have to reapply using new rates, I would have to pay an additional months rent charge and money factor, and a late notice on my currently spotless credit report. 30 days, nearly no answers on my account.
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| 04/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On XX/XX/2017 I went to XXXX XXXX XXXX XXXX to buy a new car. I was sold a New XXXX XXXX that I was told had miles on it because it was used as a dealer demo. there was documents left in the glove box when I was putting my papers in it. I handed them to the girl who was showing me everything about how the car works. I asked her and the salesman are you sure this car was not previously owned, I was told no. I noticed as I drove it home that there were cigarette burns, one on the seat one on the passage floor. I took it back the very next day, as I was walking around the passenger side I noticed a small dent in the rear back behind the back passenger car. I pointed this out to them. I asked if they allowed their employees to smoke in the cars. they replied no. two days later I was driving to XXXX XXXX and on the highway i heard a weird noise. I got off and walked around the car. I noticed that the front wheel well lining had come loose and was rubbing against the tire. I drove it directly to the dealership. They fixed it and advised me to call the number on the window if it was to ever happen again. About a month later I was driving to Michigan and the same thing happened to the passage front wheel. I did as I was advised called the number on the window. I was advised there was no way for them to come to and help me. SO I drove to the nearest XXXX and bought duck tape and fixed my bran new car with duck tape. It was right after this trip I noticed that the paint on the front end of the car was peeling off. I took pictures and sent them to XXXX the salesman. He advised me to take it to any XXXX car dealership to have them fix it. I was working a lot of hours and did not have a chance until a couple months later. I took my car into the XXXX XXXX dealership. I was asked when the front end work was last done on my car and where. I told them there was never any work done I bought from the dealership in XXXX XXXX new. they looked up the XXXX XXXX and informed me that the car was previously owned and in a car accident.
I call the XXXX XXXX dealership and they advised me that they would check into it and call me back with in thirty minutes. they never called back. this was a Saturday. I called first thing on Monday morning and spoke with the general manager. He advised he would do some checking into it. He did offer to " Make it right '' by exchanging my car for what I should have gotten to begin with. I told him I am afraid to take another XXXX and have the same issues. Then he offered an upgrade. I explained I needed a car that would fit my daughters XXXX. When I arrived at the dealership the manager did not come out to meet me, instead the same salesman that lied to me in the first place came out. He had a XXXX XXXX for me to look at I explained that I needed a car that would fit my daughters XXXX XXXX. I gave them the measurements. I told him I liked the idea of a small suv, which is easy to get the XXXX in and out. they advised me that they could not upgrade me to the SUV 's but were willing to give me a XXXX XXXX. the XXXX would fit. I sat there for over nine hours waiting for the paperwork to get done and not speaking with the manager until after being there five hours and they were charging me more for the new vehicle. I argued with them that he said he would keep y payments the same. but what he did was lower the interest rate. I tried to explain to them that it is not the same. there is a XXXX XXXX dollar difference in price that they are charging me. The salesman now got commission on two cars.
They deceived me on selling me a used car when my receipt even said New they sold me a car that should have been in excellent condition that was previously in an accident and they charged me more for a replacement car.
I needed a car and was desperate.
This is a car dealership that talks about how " HUGE '' they are and what HUGE deals you are going to get. They give away free trips to people who buy cars yet they could not make this right. They sold me a used car when it should have been new.
|
| 08/04/2018 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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There are three companies involved here. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. My issues with XXXX XXXX XXXX XXXX began around XX/XX/XXXX. I fell behind on my payments after my mom passed and I was her neighbor and caretaker. Hospice had her body sent to XXXX 's XXXXXXXX XXXX..we thought she was cremated until I was notified 6 weeks later that my mom was the first of 16 corpses that the funeral home allowed to pile up and were being stored in a cooler that was not working. I kept in touch with XXXX XXXX XXXX XXXX at first However, they can not put any information in their computer system until 2 weeks prior to my payment date. It was useless to call until I was 2 weeks from making a payment. Every 3 days, computer generated, I would get a call advising me that I will be paying for this car much longer than I signed up for because they will continue to charge interest and late fees that will be added to the loan. Then, always, " why are you behind on your payments? '' Every 3 days, I was explaining all that had happened to my mom until I was sobbing so bad, I could no longer talk. 3 days later? The same thing..making me relive the details of my moms death and the funeral home. after some months have passes, I finally get a customer service rep with a heart and advised me I was eligible for loan deferments ... there was no need to be adding all that interest and late fees at the end of the loan. Was I lied to? Absolutely, people lie and deceive others with their words or with their silence. The torturous question about how I got behind on payments continued ... sobbing uncontrollably, I could never finish the explanation. I finally realized, there was no reason what so ever to explain that to each individual employee at XXXX. They were not noting it in the computer. I flipped out and started calling them all day everyday ... finally a supervisor said he would put me on a do not call list. Again, after the damage was done..why did no one tell me I had that option? At this point, I literally XXXX XXXX. The last time I spoke with some at XXXX about getting caught up was XX/XX/XXXX or XX/XX/XXXX. Since communication was no longer taking place, I told er I would pay a month and a half 's payment on the XX/XX/XXXX. They will have to listen to the recording because it was longer than 2 weeks therefore, no note was put in the computer. On XX/XX/XXXX. Secon recovery repossessed my vehicle. Everything I own is in that car because I was moving from the painful memories here. I did not know I also missed XXXX 's payment..if I was aware it was going to repossessed, I certainly would not have left it parked where it could be seen. XX/XX/XXXX, I called XXXX XXXX after I talked to XXXX and made arrangements to get the vehicle back. The first call, she hangs up on me, they keep hanging up on me, not returning my calls and when I had others call on my behalf, they hang up on them too. XXXX and XXXX XXXX, they hired XXXX, told me to check with XXXX about storage fees. XXXX tells me tey d n't know how much it will be until they get a release from XXXX. I asked for their daily storage rate, they said, '' it varies '' I asked what do you mean? My little car cost less to store than a suv? I alerted all parties that XXXX will not cooperate with me by giving me their storage rates. I'm not shelling out XXXX dollars to XXXX just to get to the tow yard and they want a XXXX because I can't afford that, therefore, I would still be without a vehicle. All parties said they have nothing to do with the other. I wanted my car back on the XXXX of XX/XX/XXXX ... .I. they have nothing to do with the other. XXXX XXXX finally gave my personal belongings back, after they told me I can not have them until I hand over my keys ... by the way, no mention of storage fees til I arrive with the keys, then they charged me XXXX dollars. Most of what I am saying can be verified through recordings of the businesses. witnesses that were hung up on as well as previous complaints filed with the XXXX. HELP ME PLEASE!
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX My son leases a new XXXX XXXX for three-years in XXXX XXXX. I am asked to sign as co-lessee ( please find attached copy of the original lease agreement ).
XX/XX/XXXX My son moves to XXXX, XXXX for new job opportunity.
XX/XX/XXXX My son contacts Hyundai Finance to request an extension on his lease due to the XXXX Outbreak ( please find attached copy of the lease extension ) XX/XX/XXXX My son officially receives the six-month lease extension ( through XX/XX/XXXX ) from Hyundai Finance which he doc-u-signs and immediately returns. At no point did Hyundai Finance mention to him that I needed to sign this lease extension. On top of that, I was never notified nor contacted by phone, email or USPS mail with a copy of this lease extension by Hyundai Finance.
XX/XX/XXXX My son makes payment # 2 on his six-month lease extension and continues to make monthly payments to Hyundai Finance in advance of his monthly due date of XX/XX/XXXX. He continues to make the following payments : XX/XX/XXXX ( # 3 ), XX/XX/XXXX ( # 4 ), XX/XX/XXXX ( # 5 ), XX/XX/XXXX ( # 6 ) all in advance of his due dateXXXX Hyundai Finance has accepted all six payments on the lease extension ( please find attached list of the lease extension payments made by XXXX and received by Hyundai Finance ).
XX/XX/XXXX My son goes to drive his car only to find out its no longer where he last parked it on the street in front of his new apartment. He contacts XXXX to learn its been repossessed by Hyundai.
XX/XX/XXXX He contacts Hyundai Finance and was informed that I needed to sign the lease extension and thats why the vehicle was repossessed. He is also told that Hyundai had attempted to contact him by phone but that they are not allowed to leave messages due to privacy laws. My son was unaware of any such calls ( as he does not pick up calls from unknown numbers especially with the proliferation of spam calls everyone receives these days ) and never received an e-mail from Hyundai Finance regarding any issue.
My son asks to speak to a manager and is told it would take 72 hours for a one to get back to him. 72 hours pass and no one contacts him. In fact, its now been over a month days and hes yet to receive a call from a manager. He contacts Hyundai at least half-a-dozen times and gets nowhere. Hes told his only option is to purchase the vehicle outright and pay all of the repo fees.
XX/XX/XXXX I contact Hyundai Finance several times and speaks with 4 or 5 reps and gets nowhere. All of the Hyundai reps are completely dismissive. I also ask to speak with a manager but never receives a call back. I then contacts Hyundai Customer Relations and opens up a Complaint Case ( Case # : XXXX ) XX/XX/XXXX I call to follow up on his case and is told there is no update and is then directed to call Hyundais repossession depart who inform them that there is no way they will reverse this repo order. I have never received an update on my case in nearly a month.
XX/XX/XXXX We both call Hyundai Finance one last time and speaking to XXXX ( Supervisor ) in Texas to let her know that we are getting an attorney.
Summary : I would just like to state that my son acted entirely in good faith during this entire process.
He signed the six-month lease extension with Hyundai Finance as instructed and made every payment on time. He was actually planning on returning the vehicle prior to XX/XX/XXXX and leasing a new Hyundai. He's now been without a car for four weeks. He has been embarrassed, treated like a criminal by Hyundai and has had his and my credit destroyed. He cant even buy or lease a new vehicle right now because of this. Its apparent to us that there is a serious communication issue within Hyundai Finance for which we should not be punished. We firmly believe that their finance department is acting in a criminal manner by deciding to bleed out every last dime from XXXX before taking his car four weeks early after receiving the sixth and final payment of the lease extension. This is clearly a violation of Federal Banking Laws.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Certified Mail : XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Hyundai Motor Finance Care Team XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Attention : Custom Service.
I am disputing the following information on my credit report. I am writing you ( investment partners, Hyundai Motor Finance Care Team and Credit Reporting Agencies ) in regards to matters brought to my attention about my credit report. This issue stemmed from a new car lease agreement in XXXX, involving a Hyundai New Car Dealerships, Hyundai Motor Finance ( HMF ) and myself.
In XXXX, the Hyundai Dealer promised me a " Wear and Tear Protection Policy '' at no extra cost, if I purchase their vehicle, which I did. After the 2 year lease was completed, I returned the vehicle to the dealership. Hyundai Motor Finance sent me a Itemized Bill and Estimate of Excess Wear Damages on XX/XX/XXXX, totaling {$1100.00}. I have contacted both Hyundai Motor Finance and the Hyundai Dealer on multiple occasions, but that was futile. The car dealership makes broken promises that they would take care of everything on XX/XX/XXXX. After requesting copies of my contract on XX/XX/XXXX & XX/XX/XXXX from Hyundai Motor Finance, it seems that neither they nor the dealership had a copy of my other additional service products including Wear & Tear Policy in their position.
On XX/XX/XXXX I reported the matter to NY Attorney General ( NY A.G ). The Attorney General completed their investigation on XX/XX/XXXX. In the NY A.G 's report, from the Hyundai Car Dealership 's General Manager, 2 extra Wear & Tear documents were found with my signatures which were forged. I thought that the matter was resolved, since the NY A.G. was on the case and the dealerships now acknowledged documentations of my policy.
I agreed with the dealer to have Wear & Tear Protection, and other services rolled into my monthly Lease Agreement Statement. If HMR don't have documentation of my Wear & Tear Protection Policy and other service products which I agreed to, then what was the real break down of my monthly statement? HMF can not bill me for Wear and Tear, while the Hyundai Dealer General Manager is claiming that it was included in my Lease Agreement, based on documents he had submitted to NY A.G. I now believe that the 2 fraudulent Wear and Tear documents were falsified to influence the NY A.G. investigation.
The presence of the Wear and Tear documents should not have lead me receiving a bill, which negatively affected my credit scores and curtailed my investment options. See attachments with the NY A.G. Report and a copy of my credit report with the disputed item circled : Please resolved this immediately.
Notes : 1. THE DEALERSHIP NOT JUST MISLEADS THE NY A.G. THEY COMMITTED THE FRAUD ON A WIDER SCALE. THEY LIED TO ME WHEN THEY SAID THAT THEY WELL TAKE CARE OF IT AND DID NOTHING. THEY SHOULD HAVE CONTACTED : THE DEBT COLLECTORS AND HYUNDAI MOTOR FINANCE, TO ADDRESS THE MATTER.
2. THIS MATTER SHOULD NOT HAVE BEING REPORTED TO THE CREDIT AGENCIES INCORRECTLY AND ULTIMATELY HAVING A NEGATIVE IMPACT ON MY LIFE.
3. MY SIGNATURE WAS FORGED ON TWO OF THE WEAR & TEAR RELATED DOCUMENTS FROM THE NY A.G.
4. MY SIGNATURE WAS FORGED ON PAGE S 7, 8, 11 OF 11 PAGES, FROM THE DCN XXXX FORM HYUNDAI MOTOR FINANCE. THE INFORMATION ON PAGE 7 IS ALSO INCORRECT.
5. THE INFORMATION OBTAINED FROM NY A.G. IS NOT THE SAME AS THE DOCUMENTS RECEIVED FROM HYUNDAI MOTOR FINANCE, 11 PAGE DCN XXXX DOCUMENT. SOME OF THESE DOCUMENTS ARE THE FIRST TIME IM SEEING THEM.
6. MY MONTHLY LEASE COST SHOULD HAVE BEEN LESS THAN THE {$270.00} I WAS PAYING, BECAUSE I WAS PAYING FOR FICTITIOUS MONTHLY SERVICES THAT I WAS NOT RECEIVING.
7. I HAVE DETAILED THE MATTER IN MY XX/XX/XXXX LETTER TO HYUNDAI MOTOR FINANCING. PLEASE SEE MY LETTER TO HYUNDAI MOTOR FINANCING.
8. THIS WAS MY FIRST VEHICLE PURCHASING EXPERIENCE ; I ALSO GOT ROBBED DURING THE SALE TRANSACTION. THE TAPE RECORDINGS AND OTHER EVIDENCES ARE AVAILABLE AT YOUR REQUEST.
|
| 08/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
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Web |
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XXXX KIA XXXX XXXX # XXXX, DEBT VALIDATION XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX, NJ XXXX, XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX; XXXX XXXX : XXXX XXXX XXXX XXXX : THIRD-PARTY DEBT COLLECTORS : XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX OWNER ( S ) : XXXX and XXXX XXXX -- XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Re : Debt Validation. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ( A ) For, I am disputing the alleged debt claim to pay the WWT 501c3 income via the pass- through third-party XXXX towing company because they both conspired under arms threat duress coercion to seize the XXXX XXXX away from me and havent articulated in writing the cause of action, yet both are claiming obligation payment for towing and storage fees. -- -- - EXHIBIT A : KIA TITLE OWNERSHIP ( B ) I dont believe this is my debt because this entity is under a private 501c3 corporation chartered code and statutes By-Laws that are only applicable to voluntary donations, membership participants of which Im neither. Thus, based on rules under the Clearfield Doctrine 1943 law, it mandates a corporation obtain consent /contract prior to proceeding with any matter. I have sent several Affidavit of Fact and letters to prove- debt owed by me, as they refuse disclosure to provide evidence of debt obligation. -- -- - EXHIBIT B : AFFIDAVIT OF FACT ( C ) The amount is wrong because : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- a. The WWT 501c3 fail to provide a contract or cause of action obligation ; b. Fail to provide the laws deeming obligation for payment ; c. They are demanding payment in only cash refusing to provide a cash receipt ; d. The amount about {$10000.00} accumulating, they refuse an itemize invoice ; e. Both private companies fail following tax laws to provide disclosure of tax identification information ; XXXX XXXX has no business license or business registration thus, actions deem inducement to fraud, IRS tax evasion, unreported Internal Revenue Service taxable event demand for money over {$600.00} and unsubstantiated claim of debt. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -EXHIBIT C : WWT NON-PROFIT STATUS, ORR COLLECTIONS ( D ) Other, for lacking good faith /by mistake, they are refusing to validate debt, refusing to provide cause of action including not follow rules pursuant to Forfeiture where 90 days is timeline to provide a cause of action or return the XXXX XXXX. Therefore, the Parties are to provide debt validation by answering the following questions under the penalty of perjury and provide the below requested information. -- - Disclosure : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- a. WWT 501c3 establishment, Do we have a contract in dispute Yes/No ; b. XXXX , Do we have a contract in dispute Yes/No ; c. Provide cause of action nature of the crime by XXXX XXXX including payment obligation ; d. Provide payment invoice ; e. Provide Federal Tax identification number for WWT 501c3 ; f. Provide Federal Tax identification number and business registration for XXXX XXXX ; g. Provide rules for Forfeiture deeming res XXXX XXXX seizure past 90 days without show of cause ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Otherwise, I demand {$30000.00} to transfer tittle for just compensation for the XXXX XXXX because duress, its out of my control, care and responsibility as of XX/XX/XXXX. It is tampered with, used by unknown third-party actors for the last XXXX months. Thus, I shouldnt have to take responsibility for incurred damages. -- -- -- -- -- -- -- -- -- -- -- -- -- -END.
|
| 11/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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Filing a complaint against Hyundai Motor Finance for not permitting me to buyout my vehicle per the contractual agreement we have within the lease agreement.
On XX/XX/20, I entered into a lease with Hyundai Motor Finance. The lease agreement included two sections pertaining to a buyout right at the end of the lease term. The first section provides for the option to purchase the vehicle from them, or a party they designate, for the following : ( i ) Residual Value ( explicitly stated as {$10000.00} ) plus ( ii ) a Purchase Option Fee of {$990.00} plus ( iii ) any official fees ( e.g., taxes, tags, license, and registration ). The second section acknowledges that if I reside in a state ( such as FL where I live ) where a seller needs a motor vehicle dealer license that I must process this through the Lessor ( Dealer ) or another authorized, licensed dealer selected by Hyundai. The only other language is that I must notify them 30 days prior to exercising for them to make appropriate arrangements, if necessary.
I have contacted them 30 days prior as well as multiple times since. They continue to direct me to dealerships ( which I would imagine are related parties via a franchise agreement and they likely have contractual rights to ensure the dealerships abide by these contracts ). The issue is that the dealerships will not permit me to exercise my contractual right and purchase the vehicle with the items and amounts set forth in the contract. Rather, every dealership I have spoken with ( XXXX ) quotes me {$1500.00} - {$3000.00} in additional fees above and beyond what is in my contract. I have a proposal from one such dealership as an example in writing as evidence ( as well as the lease ). This proposal includes items such as " Selling Price '' of the vehicle, rather than the Residual Value, above and beyond the Residual Value. It includes other fees such as " Service Fee '' ( not in contract ), taxes/license/tag fee ( which is fine ), but also " E-Tag File '', " Priv-Tag-Agency ''. " Documentation Fee '', " FL Documentation Stamps '', etc.
Due to this, I am unable to exercise my buyout per the contractual agreement I have with Hyundai, which, though I am not a lawyer, by definition should be a breach of contract on their end. There was none of these additional fees in the contract, no mention of being subject to dealership mark-ups, and at the dealership when signing lease, I was informed the amounts in the contract are the only ones I would need to pay to buyout the vehicle.
Over the past 3 months, I have contacted Hyundai Motor Finance various times requesting assistance or for them to make arrangements to complete this, which they have failed to do. On multiple occasions, the representative has informed me that I need to pay these dealer fees, despite these not being in the contract, and again I am not a lawyer, but this would imply to me they are complicit in this act.
I have researched this online and it seems to be a recurring issue in Florida and several articles point to this being against federal laws. See the below excerpt as an example : " Consumer attorney XXXX XXXX said the add-ons violate the Federal Consumer Leasing Act, which states : A dated disclosure must be given to the consumer before signing the lease and must contain all of the information '' and " lessors are required by federal law to provide the consumer with leasing cost information and other disclosures. '' Assistance with this would be greatly appreciated and if I am incorrect in my interpretation of this legal issue, I am happy to remove this complaint.
If I am correct, I imagine there are likely thousands and thousands of consumers in the state of Florida who have simply accepted this practice, had their contracts breached, and had significant amounts of money taken from them, despite having a contractual agreement. This to me seems like it is a widespread predatory act against consumers.
|
| 02/28/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I recently purchases XXXX vehicles ( both XXXX ) from Kia and financed both vehicles through Kia Motors Finance ( KMF ). I also moved from XXXX to XXXX on XXXX/XXXX/16. In to satisfy my obligations as a new XXXX resident, I was required to register my vehicles w/in 60 days ( approx XXXX/XXXX/16 ). By statute, XXXX requires the original title to register the car. I appropriately and diligently asked the XXXX Motor Vehicle Administration ( MVA ) to officially request both titles on XXXX/XXXX/16. The MVA faxed both requests to the fax number provided to me by a KMF representative. I received confirmation of the request from the MVA. About one month later, I received a letter from the MVA that they received my title. However, when I went to register both cars, the MVA informed me that KMF did not send the title for XXXX of the XXXX vehicles. I immediately called KMF to inquire on the status of the other title. To my dismay, KMF alleged that they did not receive a request for a title. I inquired as to how XXXX of the titles to my car was received, when the request was submitted at the same time and the same day. I stated that it was obvious that someone at the title department thought it the request was a duplicate, since there were only minor differences on the request. Rather than argue, I immediately faxed over a copy of the original request and pleaded that they expedite the process, or I may be subject to breaking and a penalty if I did not register my car within 60 days of XXXX/XXXX/16. The KMF representative assured me that they would put in the request. I called back a few days later to inquire on the status. The KMF representative again told me that they never received the title request. At this point I asked to speak to a supervisor. I faxed the request to the supervisor and he said that he would personally email the title department at KMF to process the request. I called back the next day to ensure that the title request was received. Again, the KMF representative said that the title request not received. At this point, I requested to speak to the supervisor again, and he again assured me that he would take care of this request. A few days later, same story. I called up KMF, and no request was submitted. By this time, there was only about 2 weeks left until the 60 day deadline, so I asked the supervisor if he could expedite the process and if they could overnight the title to the MVA. The supervisor said he could not. I then requested to speak to the head boss. He informed me that his boss would call me back later that day. After hours of waiting anxiously, to no surprise, I did not receive any phone call. I also requested that someone from the title department to call me directly so that we could expedite the process. I called three days later and same story. No request was received. However, there was a note that the title department tried to contact me. This was obviously a blatant lie since I never received a missed call and I have full reception all day long. I again requested that my title be sent so that I can be a law abiding citizen and not have to pay extra to register my car. I called once more before the XXXX holiday and same story. After the XXXX, which was past the 60 day deadline, I called KMF and again, no request was received. At this point, I was exasperated and just requested from another supervisor that the title be submitted. She looked into the issue and said that the title request will be submitted. She followed up with a call a few days later ( 2 days past her promised follow up date ) and let me know my request was being processed. One month later the title was taken care of. Luckily when I registered the car, the MVA waived the fine since the delay was not my fault or else I would have had to pay an extra $ 500+. Overall, I spent in excess of 10+ hours on the phone with KMF to deal with this. Completely unacceptable!!!
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| 08/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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1. Purchased a new car sight unseen. Received a car with XXXX miles. This vehicle has had mechanical issues since day 1. I am convinced that the vehicle I received was an old vehicle that had been repaired.
2. I wanted a NEW vehicle with the best warranty and was willing to pay full price. I financed the vehicle at full sticker price plus options. The financed value was & gt ; {$10000.00} over the sticker price.
3. Since then, I have been unable to redeem the manufacturer 's warranty, which diminishes the value that I placed in the vehicle and the original purchase price. I have NEVER been able to obtain service for the vehicle at the dealership of purchase and I have to drive the vehicle to the next closest dealership, which is far. This puts mileage on the car that I never intended. I wanted to remain local and the increased mileage has diminished the value of the car. Furthermore, I am asked to pay cash at this dealership for portions of the services, which they should already be providing.
4. The manufacturer refuses to acknowledge the problems with the vehicle and according to CA law, any claim I have against the dealer and manufacturer, I also have against the finance company, which refuses to take any blame.
5, The finance company continues to state that they are a separate entity from the manufacturer, however, they share a building with the manufacturer and their receptionists have the ability to transfer calls between the XXXX departments.
6. I received a lemon vehicle from day one. The manufacturer and dealer refuse to acknowledge any problems in relations to wind noise and escape, even though I was given a vehicle with miles already on it. I wanted a brand new car. This car had been damaged and repaired at XXXX miles. I am told that wind noise is " subjective ''. They should still be able to correct the issue after over XXXX attempts.
7. The vehicle refused to accelerate over XXXX MPH, which has been documented and confirmed by other consumers. Over the phone, I was told that the engine and transmission " required and update ''. First and foremost, I believe that they should be contacting me when the vehicle needs an update, just as my computer notifies me ahead of time, before any issues. Then, on my paperwork, it says, no issues were found. They are XXXX.
8. The finance company refuses to opt-out my information from sharing and they refuse to put my name on the do-not-call list. This is despite the fact that I have received harassment from their call center, due to multiple phone calls per day and they refuse to leave a message even though I have asked and XXXX threatening to take the car away if they do not receive a payment right then and there. On XXXX occasion they requested an additional {$1000.00} over the phone, to be received through XXXX XXXX, an association of which I am unaffiliated but the finance company is.
9. The finance company has requested up to XXXX minimum payments in XXXX statement. The XXXX statement covers XXXX billing periods ( showing that XXXX payment were made in the prior month, a payment was already made in the present month, and a XXXX payment is still being requested ). This shows that I am consistently making at least XXXX payments a month. I believe that I am overpaid, yet it seems to me that the amount of months that I should be making payments is not going down at all on the paperwork.
10. Preying on retirees.
11. When I call to speak with someone, no one is willing to do anything, They either pretend not to speak XXXX, try to pass the buck to another department, or leave me on hold for unreasonable periods of time. It is unacceptable.
12. The original contract reflects Bait & Switch to increase the price that I have to pay, while offering the least amount that they can offer and duplicate products.
13. I was actually told to come back with a man, so that they could speak to him exclusively.
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| 02/17/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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Hello, Firstly, apologies for lack of brevity, but I 'm a thorough person. Last summer I leased a car ( for the first time ) from Hyundai. I did n't give any thought to what this meant regarding correspondence such as citations, toll notices, etc. Earlier this month, I received a packet from Hyundai Finance containing a citation notice for an alleged violation on XXXX/XXXX/XXXX. There are two stamps on the notice, one stating receipt by Hyundai on XXXX/XXXX/XXXX, the other stating receipt on XXXX ( I 'm not sure of the distinction - I 'm assuming one dept. received it and then passed it along to another dept. ). Though frankly, based on when the citation was sent out, it most likely arrived during the first week in XXXX.
Regardless, they appeared to do nothing with it for weeks until finally, at the last minute, they paid it on XXXX, the day before it was due. It was only after they paid it that they sent me any correspondence regarding the matter, including a request for reimbursement of the {$43.00}. They had all the time in the world to notify me sooner, so I could handle it in my own way, or inconjunction with them. Instead, they just sat on it for weeks, doing nothing with it.
There is a larger issue here than the {$43.00}. According to the citation, by paying the ticket, they admitted guilt on my behalf and waived the right to a hearing on my behalf. It does n't take a lawyer ( though I will be consulting with one ) to know that some aspect of this must be illegal. I do n't even need to look at my lease to know, that while it might state I am obliged to pay for such violations, that it does n't grant the title holder power of attorney to disregard my rights regarding such a citation. What if it was my choice to go to court and see if I could get the ticket dismissed? Hyundai Finance has no right to deprive me of that opportunity. As far as I 'm concerned, by admitting ( their? ) guilt and by waiving ( their? ) right to a hearing without my consent, they agreed to bear the expense of the ticket.
In addition to the citation, another document was included, titled " Outstanding Citations Summary. '' I ca n't even tell from where it was generated - there is no letterhead. It shows two other citations, labeled " Delinquent Notice. '' I 'm assuming Hyundai Finance is claiming they did n't receive these two, as they would have included copies of those as well. These are described only by the citation # - not what the violations were, nor where and when they took place, nor who issued them ( no precinct , county, nothing ). I have no idea as to whom to even call regarding the details of these other two. There 's only one thing I do know about them and that 's that they were never sent to me - not by the issuing agency, nor by Hyundai Finance. I certainly ca n't be held accountable for citations ( especially delinquent ones that have probably incurred fees by now ) that never reached me and that I never knew existed! Something tells me these were also sent to Hyundai and they dropped the ball with those as well. There were also toll notices that all the same principles apply to, but I 'm running out of space.
I also want to point out that when I asked " XXXX '' who they were regulated by - the FDIC? the OCC? the CFPB? - he either refused to tell me or did n't know. He then checked with someone higher up and then came back on the line with no answer for me. Seriously? No one in management had a clue as to which agency regulated them?? So I found out on my own.
As an aside, I had initially intended to file a claim prior to this, regarding a late of fee of {$20.00} regarding my last car payment that I feel is unjust due to misinformation I was given by a rep regarding the precise deadline. There was a reason I needed to know the last minute I could pay, but I 'll save that for another time.
Thanks for your attention to this matter, XXXX XXXX
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| 07/21/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I am at the end of my lease and was prepared to turn the vehicle in due to the unsatisfactory service I had received from the dealership. There was no process in place to inspect my vehicle, I reluctantly left my keys with the dealership and was told I would receive an email within the next few days confirming my turn in. I never received an email. Almost 25 days later I receive a bill from the Hyundai Motor Finance Company for an amount that is not what was disclosed to me at time of application. They are charging me tax on the vehicle. One representative explained to me that it was a sales tax and required in my state. I explained that I already paid sales tax at initial time of lease. She said that she could n't give me more information regarding the tax. There were also charges that reflected damage to the vehicle in the form of stone chips. I disputed this and resolved the issue. This changed the amount due. I requested to have a new bill sent to me to reflect the true amount owed. I was advised to just send payment using the old bill. I refused and again requested a new bill be sent. I was not going to send payment that was less than the amount due shown on the incorrect bill. I also was concerned about the due date. I have never been late with payments and wanted to be sure that a new payment date would be in effect to account for the time needed to send a new bill. I was told as this point that even though the bill states a 15 day payment window, I really have 30 days to remit payment. I commented at this time how that seemed deceptive to consumers. I also requested to speak with a supervisor to voice my concerns with this company 's business practices. I was told that a supervisor was not available and one would contact me. Over the next 7-10 days, I had calls missed from Hyundai Motor Finance. At no time did they leave a message. I have a full time job and am not always available to answer the phone. When I finally was able to speak with a supervisor I was given completely different answers regarding the tax that I was being charged. This time I was told that it was a property tax. I replied that its not my property anymore, how can you charge me a disposition fee ( {$400.00} ) to turn the car over and still claim that I owe a property tax on the vehicle. The supervisor just kept repeating the same thing over and over. Its a standard tax that is charged in your state. I told him at that point that I did n't agree with some of their business practices and thought they were deceptive to consumers. I also stated that I did not receive the new bill that I requested. He said that he had no explanation for why I did n't receive it, but would get it in the mail to me. I again raised concern regarding the due date. I told the supervisor that I did n't want anything reflected as a late payment and he assured me that I would not be considered late on the payment, provided that I remitted payment by the due date reflected on my new bill. I explained to him that I would be very unhappy if I began to receive any calls pertaining to the status of my account, since this was their error in billing and not mine. He again assured me that I would n't. My new bill came with a date of XXXX XXXX and payment due in 15 days ( or is it the secret 30 days?? ) on XXXX XXXX. On XXXX XXXX I received a message from Hyundai Motor Finance asking me to return their call. When I called the next morning, I was treated unkindly by a representative, who refused to tall me why I received the message until I gave them all of my personal information. I verified my SSN, first and last name and she asked if I was calling in regards to a XXXX Hyundai Elantra. I confirmed, but she still refused to tell me why they were calling until I verified my DOB or address. I did not want to give that info ... .she clearly had my information in front of her and was being difficult. I asked
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| 07/13/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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XX/XX/ To Whom It May Concern : My wife and I are senior citizens who reside in XXXX, Virginia, and who drove our XXXX leased XXXX XXXX to XXXX XXXX, Utah, last winter on vacation. While there, we decided to turn in our leased vehicle ( which was under mileage ) and replace it with a new XXXX XXXX XXXX XXXX. The dealership ( lessor ) was XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, Utah. At lease signing we paid {$11000.00} to XXXX XXXX for the residual fee on the old car and the down payment on the new model. Our new monthly payment was negotiated at {$310.00} for 35 months, to be paid to Hyundai Finance on the XX/XX/XXXX of each month beginning in XX/XX/XXXX. I can provide a copy of the lease agreement and all further documentation as requested.
When we returned to Virginia, we also paid the necessary state taxes on the new lease. Following the submission of our XX/XX/XXXX invoice we began receiving letters and phone calls from Hyundai Finance that they were not receiving payments on our new car, nor had they received the residual balance on the old car. I have called the dealership multiple times since XXXX when I first began to get the phone calls and correspondence from Hyundai Finance. My wife and I have personally spoken to the General Manager, the Salesman who arranged the lease, and the Finance Manager at the dealership multiple times over the past six months ; all who have repeatedly reassured us that the problem has been resolved, explaining to me it was a miscommunication between their dealership and Hyundai Finance. And yet EVERY MONTH, and again this XX/XX/XXXX, we continue to receive phone calls and letters from Hyundai Finance telling me my account is in arrears, and who are now accruing interest to what they say are our post-due payments! I have also personally replied via phone calls on multiple occasions with the operators at Hyundai Finance and have discovered that our payments have been credited to our old account ( the XXXX XXXX ) which, to my understanding has not, to date, been closed out, and not credited to the new account ( XXXX XXXXXXXX XXXX XXXX ). However, the miscommunication persists, with no resolution from either the dealership ( who has told me the matter has been handled ) nor from Hyundai Finance to the point where I am now receiving phone calls from collection agencies hired by Hyundai Finance to collect on what they insist is my past-due account! In my last phone call with the Hyundai Finance accounts receivables department, XX/XX/XXXX, I requested a copy of all my payment history to date to be sent to me from Hyundai Finance. After that request, I was told by the clerk that if I would just start submitting hand-written checks as opposed to on-line payments through my bank, that maybe the problem could be resolved!!!!!!! This has ended any further correspondence I will ever have with Hyundai Finance or their agencies.
I have spoken with my attorney and my banker at the XXXX XXXX regarding this matter. XXXX XXXX, who has paid all monthly payments to Hyundai Finance since I leased the car ( based on my on-line bill-pay instructions ) and who has provided me all the documentation of my transactions with Hyundai Finance detailing each monthly payment, the correct address of Hyundai Finance, the date the payment was deducted from my account, the date the payment was received at Hyundai Finance and the correct Hyundai account number written in the payments memo column. Both my attorney and my banker have advised me to contact you, as well as the California AGs office and the XXXX XXXX XXXX to communicate the incompetence and on-going pestering and abuse which has escalated over the past six months. At this point, I do not believe I am capable to solve this issue on my own without your professional assistance.
Many thanks in advance for what you can do to bring about a satisfactory resolution.
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| 04/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Good morning, Ive been having issues with Hyundai Motor Finance, placing in accurate late payments on me and my husband XXXX XXXX credit report, Ive tried to resolve the issue on my own but every time I speak with a customer service rep Im giving different information.
For instance, I spoke with XXXX a Rep for HYUNDAI Motor Finance on Saturday, XX/XX/XXXX at XXXX. She stated I owed a passed due balance for XXXX for the month of XXXX. I asked her how could that be possible and she said because my XXXX payment wasnt paid in fill. I then logged into the website and notice that the payment was paid in full. After going back and forth with the agent XXXX, I went ahead and paid the XXXX via telephone with my debt card. In order for me to qualify for the Covid-19 extension program I had to make that payment per XXXX. XXXX told me to call back on Monday so I could be enrolled into the program and at that point my payment would show up on my account. XXXX said HMF, would see the payment in their system on Monday, XX/XX/XXXX. After making the payment XXXX stated that Ill be able to apply for the extension for the month of XXXX because I was caught up with my payment for XXXX.
On Monday, XX/XX/XXXX at XXXX, I called Hyundai Motor Finance. I entered my SSN number and the automated system said my next pay of XXXX and some change was due on XX/XX/XXXX. After that a rep by the name XXXX got on the phone to assist me. She asked me what was I calling for, I told her I was trying to get an extension on my car payment due to Covid-19. She asked me a few questions pertaining to my finances. Shes wanted to know when was the last time I worked and I told her it was XX/XX/XXXX. She wanted to know why wasnt I working. I told her I wasnt working because the XXXX center were closed and I had to XXXX my XXXX year old XXXX due to school closings because of Covid-19. She asked me when would I return to work and I told her once all of this is over, because Im a XXXX XXXX XXXX I cant find anyone to watch my child because people are afraid that I may catch it because Im a XXXX XXXX XXXX. She told me to hold on to see if I qualify for the program. XXXX got back on the phone and told me I qualify for the XXXX XXXX XXXX program, and I could apply it to the XX/XX/XXXX payment. I told her Im all caught up for XXXX and when I called in the system stated I only owe for XXXX. Of course Im very furious after hearing this information. I requested to speak with a manager and I was told know one is available to speak with me which I find it to be very odd. She told me that a manager would probably call me back tonight or tomorrow. After talking about my payments, XXXX stated that my XXXX payment was deferred and I asked her why would HMF report it as being 30 days late. She couldnt give me an answer. Before I hung up the phone, I told her to apply the extension to my XXXX payment so my credit report for XXXX wont reflect being late. I just checked my report in it shows the payment is late and it hasnt been past 30 days for them to submit the payment. Today is the XXXX and my next payment is due on the XXXX. That XXXX payment shouldnt be on there today.
Im requesting the removal of these late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed from me and my husbands credit report because that information is in accurate. I was never 30 days late making my car payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX remove all the late payments that have been mentioned above from XXXX, XXXX XXXX, and XXXX. Today is XXXX the XXXX, XXXX and my next payment isnt due until XXXX and XXXX is already reported to my Credit report as being 30 days late. How is that possible?
Ive attached some documents that would be useful for this case. If you have any questions you can reach out to me via email or by phone XXXX
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| 08/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In short, Hyundai has reported missed payments on my credit report in XX/XX/XXXX months of XXXX. I returned the vehicle in XX/XX/XXXX and no further reporting should be notated on my credit profile. As a result of this inaccurate reporting, No other lender will give me a loan or a credit card because it shows that I have severe delinquency with another lender ( Hyundai ). Below is the full recount of what happened and how the XXXX 's negligence has negatively impacted me for 2 years now. Please fix this issue.
I returned my vehicle to XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX and purchased a new vehicle from them. The lease on the vehicle matured and was due back to Hyundai in XXXX of XXXX, but I explained to Hyundai my desire to want to purchase the car. There were challenges acquiring a used car loan for the amount that Hyundai was looking for and on top of all of this, the pandemic had begun and jobs were lost. I explained the delays in acquiring a loan and asked Hyundai could I continue making monthly payments to them until I was able to secure a loan on the vehicle and they declined my offer. Told me I need to get a loan or bring in the car. By this point I was not near the vehicle and had gone to XXXX to care for my sick grandmother who had XXXX and the vehicle was in XXXX. I explained this to Hyundai and they ended up writing off the car as a profit/loss write off in XX/XX/XXXX. This was unbeknownst to me and I did not see it hit my credit until XX/XX/XXXX. I stayed in XXXX until The end of XX/XX/XXXX then returned to XXXX at which point I drove to XXXX and returned the vehicle XX/XX/XXXX. XXXX XXXX XXXX never reported this XXXX Hyundai as being turned in. From XXXX XXXX XXXX I got dinged for missed payments on the Hyundai vehicle that I turned in and I disputed it every month to no avail. Finally in XXXX of XXXX I got a letter stating that XXXX XXXX XXXX had the vehicle towed and listed this vehicle as abandoned in lot with no keys. This happened as a result of poor practices during the return of the vehicle and on top of that, someone at their establishment lost the keys. It took 3 months of back and forth between myself, Hyundai, and XXXX XXXX XXXX before XXXX finally admitted to Hyundai that I returned the vehicle 8 months prior to the date they reported it being turned in. Mind you, this whole time Im being dinged for missed payments on a profit loss write off and my credit score dropped XXXX points due to this! It wasnt until XXXX of XXXX, YES A WHOLE YEAR LATER, that Hyundai Motor Finance sent me a payoff letter for the amount owed. This letter they sent me was incorrect and stated I owed XXXX ( because they auctioned off the vehicle ) when in fact I only owed XXXX. Hyundai made the correction and I paid the balance in full once the correction was made in XX/XX/XXXX. At this point I made the SIMPLE REQUEST that Hyundai corrects the verbiage and reporting on my credit report and remove ALL missed payments in XXXX because I turned that vehicle in during XXXX. They have yet to remove those missed payments. If any missed payments are shown on my credit, it should be from XXXX XXXX and then the vehicle should be listed as a profit/loss Write off from XXXX XXXX XXXX There should be no reporting from Hyundai post XX/XX/XXXX! A historical edit needs to be made IMMEDIATELY. I Have been unable to secure any other type of credit or funding due to this error in reporting and it is inaccurate. Furthermore we were in the midst of a pandemic. Due to the negligence of XXXX XXXX XXXX and the inability of Hyundai to accurately report on my credit report, I am now requesting that ALL negative remarks be fully expunged from my credit report and no mention of any write off be made. All late payments need to be fully removed and the o my thing that should be stated is Paid in full/Closed account
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| 04/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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My name is XXXX XXXX XXXX and I want to submit a complaint about Hyundai Motor Finance.
Back in XXXX, I leased a new Hyundai XXXX. I got the vehicle in Michigan and I moved to California back in XXXX of XXXX. For leased vehicles, the vehicle registration has to include both the lessee and the lessor. I am not able to register my vehicle in California because the lessor ( Hyundai Motor Finance ) will not give me the necessary documents to complete my registration. The California DMV requires either of these two documents : ( 1 ) the vehicle Title or ( 2 ) a Power of Attorney for the signature of Hyundai Motor Finance.
For the past 7 months, Hyundai Motor Finance refuses to provide either of these documents. Due to their lack of support, I have not been able to register my vehicle in my new state of California ( and my previous registration expired in Michigan ) so I have been hit with late registration fees ( {$320.00} ) and letters from the DMV that my registration is incomplete and my vehicle can get impounded if I get pulled over by the police. I can not legally drive a vehicle that I have been paying $ 11,000+ lease on-time for the last 3 years, and Hyundai Motor Finance does not care about me as a customer to help me with this.
Document Needed ( 1 ) Vehicle Title : I started this vehicle registration process back in XXXX of XXXX when I moved to California, and for the last 7 months, I have called Hyundai customer service every other week ( our phone calls are recorded by Hyundai and I have a phone log of all of my calls to them ), they constantly refuse to help me. First, I was told that Hyundai never received the original title from the Michigan DMV. Then, I was told that they actually did get the original title but that there was a discrepancy in the title and that they needed to get a duplicate title to fix said discrepancy. Then, I was told that the title was lost but that Hyundai was working with the Michigan DMV to get a duplicate title. The story keeps changing every time I call, and I even had to reach out to the Michigan DMV myself to figure out what is going on. Michigan is a state that does NOT hold vehicle Titles. The Michigan DMV has confirmed that Hyundai DOES have the title for this vehicle. The Hyundai customer service agents and the titles departments are telling me incorrect information and it feels like they are not telling the whole truth and refuse to help me for no good reason.
Document Needed ( 2 ) Power of Attorney for the signature of Hyundai Motor Finance : Not only is the Titles Department not following up with the Michigan DMV to get a duplicate title, they also will not provide me with a Power of Attorney. With the power of attorney letter, I can at least register my vehicle in California and not be at risk of getting charged with driving without registration. I am totally helpless right now, and as a lessee, I can not do anything without Hyundai 's help. The California DMV has already given me 3 extensions for temporary driving permits and they told me they can not extend this any longer and I need to get either documents ( 1 ) or ( 2 ) from Hyundai to register my vehicle. I have already paid {$320.00} on late registration fees, and I am unable to buy the vehicle at the end of my lease because Hyundai claims they do not have a Title to give me. They will, however, gladly sell me a vehicle without a title which is illegal.
To make matters worse, I am going to still be liable for this vehicle if I return it to a dealership at the end of my lease, because the next person will also not be able to register it and won't be able to transfer the vehicle to their name successfully so I will still be held liable for this late registration under my name until this gets fixed. Please CFPB help me fix this, this is my last resort.
Thanks, XXXX XXXX XXXX
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| 01/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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I have been hung up on, talked down to and just out right disrespected so many times, by Hyundai, I lost count. Although I have contacted Hyundai on multiple occasions by telephone since XX/XX/XXXX, to request a two month payment deferral on the XXXX XXXX, I have not been provided the appropriate forms. I was told to call back three different times in XX/XX/XXXX, only to further be stalled. We've spoken to XXXX, XXXX and many more whose name we thought we would never have to notate only to be humiliated and belittled.
In XXXX a verbal agreement was made by telephone with Hyundai, I believe her name was XXXX or XXXX XXXX to pay one of the two months I was behind plus the late fees for the two months ( the account was in grace period for the 3rd payment due by the XXXX ), to allow my account to " qualify for a two-month payment deferral ''. Per the verbal agreement, I was told to call back after the payment cleared so that I could be emailed the forms. The regular payment of {$590.00} and the late fees totaling {$640.00} was made on the due date in my contract, XX/XX/XXXX, on their website. This payment was to be made by the XX/XX/XXXX, according to the Representative. I was placed on hold, while the Representative spoke to a Supervisor which stated due to my previous payment history with Hyundai I could get the two month deferral but, only after the payment with the late fees cleared.
( It is important to note, this agreement was offered, only after I requested to be walked through the voluntary repossession process because I knew we could not catch up with our income being sliced down to one-third. I owed more than {$1200.00}. ) When I called back, speaking to an XXXX a very rude individual, after the payment cleared in XXXX, I was advised I no longer qualified for a deferral because the account was too far behind. When I called back again, speaking to XXXX XXXX, I was told there is no record of my request for deferrals at anytime and I do not qualify because I did not call in XXXX. Then she advised although I did in fact call, I was too late for the deferral. Multiple calls have been made to Hyundai and we all know their call log shows it but, I still can not have the forms sent to me.
Now I am being told the payment made in XXXX was applied to XXXX and the late fees were applied to the XXXX payment and they will continue to collect on this debt. This is ridiculous! Why would anyone call their creditor for absolutely no reason on multiple occasions? Why would I pay an agreed amount not to even obtain the forms? Especially, when I initially called I asked for the two month deferral and/or assistance with the appropriate steps to turn the vehicle in. We got ill, jobs were lost, we only have one family phone now and I have never been late on any payments since XXXX with them, until the whole house got COVID. Even through all of my surgeries and multiple plant shut downs, I have always paid and was never late one time with any of three loans I have had with them since XXXX. My credit is being brutalized because of their unprofessional bullying.
I am requesting this Office assist our family with enforcing our rights under the contract because we are entitled to the deferral we requested. We also are requesting assistance with fair disclosure of the steps required to voluntarily surrender the vehicle to Hyundai, if they are unwilling to provide a deferral. We know the vehicle will be auctioned off and they will bill us the difference, along with the repossession posting on our credit. We would like a copy of the voluntary surrender forms and details on how to schedule to give the vehicle back. It may be in our family 's best interest to reduce our payments by securing two economy cars as opposed to having one with this price tier and horrible treatment from this lender.
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| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Our Monthly billing rate is {$630.00} and I have been trying to get Hyundai Motor Finance to fix inaccurate billing issue for months, since XXXX of XXXX and still have not gotten anywhere. After disputing inaccurate charges on XXXX 3 times Hyundai account information still was not changed to an accurate balance. So after nothing has changed I decided to contact CFPB around XXXX or XXXX and the response they received from Hyundai was that amounts were correct when they absolutely were not. After receiving XXXX, XXXX, XXXX, and XXXX billing statements we were still being billed to me with not only inaccurate charges but inaccurately reporting days of past due amounts to the credit bureau. I then decided to contact the XXXX on XX/XX/XXXX to see if I can get some real help that way. On XX/XX/XXXX I get a phone call from Hyundai Motor Finance executive office because of my XXXX complaint and I spoke with a person by the name of XXXX XXXX, After telling XXXX XXXX about my reason for contacting the XXXX, XXXX assured me and the other person on this account who also was on the call and is the co-signer of this account that he would be fixing the inaccurate charges. He stated that we would probably be on the line for at least 1 hour to try and fix the issue. So as we were going over the account with XXXX XXXX he stated that he thinks he has found one of the issue which was that to him it looks like our payments or not reflecting. After looking at the account some more he stated that it looks like they put or repo fee of {$2300.00} that me and my husband already paid in XXXX which had to be a {$0.00} balance, was added back to our account, which he didnt know for sure. He kept saying he think he sees were things went wrong at on their end. He also said that what he can tell so far from looking at account is that the billing should not be as high as it was but again thats because of all the inaccurate charges they kept adding. And also when you go into your Hyundai Motor Finance account it says you are 90 days past due which was also inaccurate.Towards the end of the call XXXX XXXX also stated that he was putting the repossession they had outs for our car on hold because of the inaccurate charges then XXXX XXXX stated that he would reach back out to us by Friday XX/XX/XXXX and if we didnt hear from him to give him a call. So me and co- signer contacted XXXX XXXX XXXX XX/XX/XXXX to see what progress has been made in fixing our account and he stated he was still waiting to hear back from whoever he needed to look into errors. But on credit report it states that account was closed on XX/XX/XXXX so why didnt XXXX XXXX let me know that my account has not been fixed but reported to credit bureau as closed and charged off. Me and co-signer tried contacting XXXX XXXX Directly again on XX/XX/XXXX over 11times after getting notification from my XXXX account showing that my Hyundai Motor Finance Account had been closed and Charged off as bad dept when they were supposed to be fixing the problem, and still no answer or response from Mr.Bishop. XX/XX/XXXX me and XXXX tried contacting XXXX again after getting notification after getting notification from XXXX again now stating that account was charged off ( 9 ). As Im writing this on XX/XX/XXXX now Im am trying to contact XXXX XXXX I called 10 times back to back and I didnt get an answer, or a response after leaving voicemails on XX/XX/XXXX and XX/XX/XXXX. I am asking that this situation is thoroughly looked into now after being lied to by XXXX XXXX from the Hyundai Motor Finance Executive office, who is now ducking phone calls, emails and clearing our calls when he was supposed to be straightening out the issue. And why are theses write offs and remarks to credit bureau changing so much and negatively instead of taking time out to fix mistakes.
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| 10/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This is a complaint against XXXX XXXX.
Here is the story in short : On XX/XX/XXXX I was involved in an accident with a vehicle I leased from XXXX XXXX. My insurance company, XXXX declared the vehicle as a total loss and advised me they would be paying off my remaining lease with XXXX XXXX.
I was advised by both XXXX and my leasing company that whatever XXXX doesnt cover, my GAP insurance, which is mandatory by the law of NY, would cover the rest.
I was in contact many times with XXXX and I was under the impression that everything was taken care of.
Around XX/XX/XXXX I received a bill from XXXX XXXX for {$4800.00}. THIS IS THE LAST BILL I EVER RECEIVED FROM XXXX XXXX.
I was surprised I had a balance. After many back-and-forths with both XXXX and Hyundai, it seemed that there was some mistake with the way XXXX adjusted the vehicle. Something to do with rebates. XXXX told me they would submit the balance and GAP insurance would cover the rest.
I spoke to Hyundai many times. First they kept on telling me I do not have GAP insurance. I explained to them it is required by law, and it is also on my lease agreement. I was promised many times return calls from a supervisor. THEY NEVER EVER RETURN CALLS!
Finally, they admitted I have GAP insurance, but for some reason which they could not explain, they did not want to file a claim with GAP.
They told me many times they would call me to back to explain, but that never happened.
I believe the reason they did not file is because, as I later found out, HYUNDAI OWNS THE GAP INSURANCE, and they do not want to pay it! So they just dont make the claim!
My leasing company told me they never ever had such an experience with any other company.
Anyways, I was under the impression that between XXXX and GAP, everything would be taken care of.
AGAIN, AFTER XXXX TOLD ME THEY WERE SENDING ANOTHER PAYMENT, I NEVER ECIEVED ANOTHER BILL!
Sometime later, I was checking my credit report with XXXX XXXX, and I noticed HYYUNDAI FINANACE still chowed me owing XXXX. I checked again with XXXX and they said they sent the 2nd check, and they dont know why it shows Im still owing the money. I called XXXX XXXX. They admitted they received XXXX check, but we were still disputing why no claim was filed with GAP insurance for the remainder. The reps didnt know why, and a supervisor was supposed to look into it and call me back.
I was never called back. I emailed them and was not responded to.
This argument was for the small amount XXXX did not cover.
When I saw my Credit Report was still showing I owed the full XXXX, and it showed I was not paying it, I filed a complaint with the Credit Agency through XXXX XXXX.
Instead of just correcting, XXXX XXXX did update the amount, but instead of just billing and discussing the remaining {$560.00}, they sent it an agency for collection, and reported me as over 60 days behind and delinquent on my payment. They reported it as a write-off.
I WAS NEVER EVER BILLED FOR THIS AMOUNT.
NEVER EVER!!!!!!
How can I be delinquent on something I was never billed for?!?!
I believe they did this in retaliation against me for filing a complaint through XXXX XXXX.
As a side point, it should be illegal for the financing bank to own the GAP insurance. There is no oversite and they will never file. Why should they pay when they can just make up any excuse and bill the leaser!
Bottom line : How can I be delinquent on a bill I never received?!?
My credit score was killed because of them. It plummeted for no reason at all! They need to correct this!! Then they should be fined and reprimanded!
I am attaching the most recent bill ( XXXX ) which was before they received a check from XXXX. Then the next thing I received after I filed a complaint. I did not receive ANY correspondence in between these two.
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| 04/08/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
Older American |
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I am wrongly being charged a disposition or loyalty program fee of {$400.00} by Hyundai Motor Finance. Let me explain the situation : I'am a single woman, XXXX yrs. old, citizen of this country for the past 22 years, I have resided in this country since XX/XX/XXXX. Since then always managed my credit in responsible way, keeping score over XXXX. Always working hard to pay my bills on time. What happened to me with Hyundai Financial is that I have leased XXXX cars with Hyundai for the past 6 years : XXXX, XXXX. In the year of XX/XX/XXXX I signed as a buyer for a XXXX Hyundai for my grandson, so he could get transportation, for he was not approved. My grandson asked me for help. For the first 3 years my grandson paid on time, but sadly to say, he lost his job and had a hard time working steady, so he started getting behind on his auto payments. Because of the fact that I already have my XXXX and my recurring bills, I could n't help my grandson keeping up with his auto payments. My grandson facing a financial hardship was not able to keep the Hyundai payments on time, but he continue to pay as he could. As you can see this situation affected my credit history tremendously. So on XX/XX/XXXX I went to the same Hyundai dealer where I leased the XXXX, this dealer is located in XXXX TX. After meeting a salesman I picked up the car I wanted, the salesman ( XXXX ) did the numbers but I requested a lower payment so XXXX advised that will be better to pay the last 3 months of the lease and back to them in XX/XX/XXXX which I did. On XX/XX/XXXX I went back to the same Hyundai dealer and spoke with the same salesman ( XXXX ) to go over the new lease but what a big surprise when the salesman said that Hyundai Motor Finance denied my lease loan, however my grandson account was current by then. Is important to mention that I returned the XXXX 2 weeks before the lease expiration, with only XXXX miles on a XXXX miles lease contract and in excellent good condition, except the windshield that was hit by a rock weeks before of the return of the car, of course the cost of {$310.00} for the replacement by Hyundai is my responsibility to pay for it. Since I knew about the disposition fee of {$400.00} I started to make a phone calls to Hyundai Financial to dispute this charge, I spoke with different customer service people and couple supervisors, I cried and begged many times on the phone but no one at the Hyundai Financial took the time to see my credit history, my loyalty to them, and to confirm that my grandson was current on his payments. They closed the door on me. After feeling like a bucket of cold water was dropped on me, I went back home with my older daughter with no hope to get another auto, which I needed, due to the fact that I have doctor 's appointments, and errands to run daily. So, on XX/XX/XXXX my daughter and I decided to try and went to a KIA Dealer here in XXXX, Texas. To my great surprise and the kindness and professionalism of the dealer I was able to lease my present car that I drive : a XXXX. The finance dpt took the time to hear me out and confirm that the late payments on the Hyundai XXXX that I have signed as a buyer for my grandson was current. Well, after all this took place, I received in the mail a bill from Hyundai Finance charging me for the {$400.00}. So called : disposition fee or loyalty program fee, meaning if the consumer does not buy the next car or lease with Hyundai, I have to pay {$400.00}. I understand this, what is wrong for Hyundai to and this why I write, is that Hyundai Finance did not give the option to lease with them. Under these circumstances I was not able to make a deal with Hyundai Finance, but still they punish me to pay no matter what the {$400.00}. fee which I refuse to pay. I wanted a Hyundai car again but they closed the door on me.
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| 11/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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After an accident in my leased vehicle, my insurance company valued the car at an amount higher than the lease buyout amount and determined that the damage was sufficient for a total loss. XXXX XXXX has claimed that they have the right to any and all positive equity in the vehicle. After XXXX XXXX received payment from my insurance company for the amount requested by XXXX XXXX, they sent me an invoice for a portion of my insurance deductible without providing any explanation of the amount or any reasoning behind asking me to pay. Ive read the lease agreement, and I believe their interpretation is either incorrect or proves the agreement to be predatory. Further, XXXX XXXX did not inform me what was happening in their efforts to seek payment to close my account, nor did they seek my consent in determining what amounts would be dueand in doing so they have pursued an end which is against my fiduciary best interest. When I received the invoice I called XXXX XXXX customer service department to ask why I was being charged this amount, and soon discovered that my calls are automatically routed to the Recovery department, where multiple agents treated me like a delinquent customer, bullying me and telling me to read my lease agreement, talk to my insurance company, or this is our policy, I cant help you. The verbal accounting they have given for how the invoice amount was calculated does not make sense and effectively double-charges me for my deductible. After multiple calls lasting 30 mins to 1 hour and on multiple days, they have still not explained their justification for this charge. Ive tried unsuccessfully to escalate to a supervisor or to other departments within XXXX XXXX and XXXX XXXX. My insurance company says that the amount they paid XXXX XXXX was the exact amount requested by XXXX XXXX, and they are ready to send me payment for a nominal balance due to me ( assessed vehicle value minus deductible minus payment to XXXX XXXX ). Their story makes sense. But I don't understand why XXXX XXXX decided to ask me for an amount related to my insurance deductible, which has absolutely nothing to do with XXXX XXXX. If the lease agreement does in fact support their actions, I dont know why XXXX XXXX didnt request payment for the full assessed value ; that they requested from my insurance an amount eerily similar to what it would have cost me to pay off the lease and own the vehicle outright, is clearly suspect. Frankly, they dont seem to know what they are doing. At one point in this process I received paperwork from them requesting random information, which did not make sense ; and after calling they acknowledged that the paperwork was sent in error. Even now, when I login to the XXXX XXXX online portal to view my account history, I see all sorts of activity and random amounts debited and credited over the last 30+ days, which make no sense even in the context of the total loss or the random invoice. I've submitted multiple requests to XXXX XXXX ( verbally and in writing ) for them to provide a written explanation of the balance due on my account, including a clear and thorough accounting of all balances, payments, credits, or other activities on my account, over the past 90 days, as well as a clear and thorough explanation as to why these activities may or may not be within the rights of XXXX XXXX. They have not responded to this request, nor have the fulfilled the request. This invoice is due in about 2 weeks, and Im concerned that if I let it go unpaid ( ultimately I dont believe I owe them a cent ) their aggressive and unresponsive Recovery department could initiate action against my credit, which could prove a hardship for me to reverse, whether or not it is ultimately determined that the invoice is in error. I don't know what else to do besides seek legal advice.
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| 07/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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XX/XX/XXXX my FICO Score was XXXX. It took close to two years to get my score to XXXX status. I have open a XXXX XXXX account and they were offering a program that would allow me to build my score by getting secure loans and paying them off on time every month. In the 1 3/4 years I have never been late paying that bill thus raising my score. In the beginning of my auto loan, I was late twice but I called them in advance ( between XX/XX/XXXX to XX/XX/XXXX ). No negative reports made to the XXXX credit bureaus, instead they gave me " Payment Extensions '' which means that my original loan maturity ( XXXX XXXX, XXXX ) was extended by one month. During the life of the loan, I received XXXX Payment Extensions which my new loan maturity date became XXXX XXXX, XXXX. I asked the representative both time I requested the extensions, " What 's the catch? '' Both representative said no catch XXXX XXXX and we started laughing because something this easy is normally meant that it was a catch to it. ( I have XXXX of the HMF Representative on a recording explaining the process of the " Payment Extensions ''. ) Nothing was said because of the payment extensions that they will report to the XXXX credit bureaus - 30 day past due for each extension.
Before the very last payment was made ( XXXX XXXX ) It started with Hyundai Motor Finance reporting a 30 Day Past Due to all XXXX Credit Bureaus ( XXXX, XXXX, and XXXX ). At this time I was still making the payments as agreed to on or before the due date the XXXX of each month. I have gotten calls from my ex-employers letting me know that Hyundai Motor Finance had been notifying them ( ex-employer ) about my late bill to Hyundai Motor Finance. It was embarrassing because I felt like it was n't my ex-employers business concerning my finances. I contacted Hyundai Motor Finance customer service or collections department. I ask them why was my account in collections? The Hyundai Motor Finance Representative stated that it was because I was close to being 30 days past my due date. I ca n't remember the exact date, but it was in mid XXXX XXXX to ending XXXX XXXX. I asked Representative if you are looking at my account, you will see that I have XXXX payment extensions making my loan maturity date XXXX XXXX XXXX. The Hyundai Motor Finance Representative stated from what he can see, " I have XXXX payment extensions. '' I told him, that did n't make any sense because I only had XXXX. I said furthermore if I had XXXX payment extensions, my loan would mature on XXXX XXXX XXXX. He paused for a minute or XXXX, then said it was because of the original loan maturity date XXXX XXXX XXXX that I was placed in collections. The more the HMF Representative talked the more I understood why my FHA Mortgage Loan was denied. It became clear that Hyundai reported the 30 day past due XX/XX/XXXX which was still incorrect according to the time frame. The HMF Rep. Stated I was 30 days past due, It was XX/XX/XXXX. So, how could I be 30 days past due? The representative ask, " well when could you have the payment in? '' I told him in XXXX XXXX XXXX the maturity date I was told by the other HMF XXXX. I asked him if what he was saying is true, then why is Hyundai Motor Finance sending me monthly invoices stating my next payment is due on XXXX XXXX XXXX? Why does the Hyundai Motor Finance automated system state my next payment is due on XXXX XXXX XXXX? I got so frustrated by the representative my wife snatched the phone out my hand because she knew I would not be able to continue the conversation civilized. Long story short, although I paid as agreed, 30 day past due removed, but score remain below XXXX according to FICO. I followed protocol and have documented everything from Certified Mail, Credit Reports, Account Information both my own and I printed out Hyundai Acct.
|
| 03/08/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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On XXXX XXXX, XXXX we leased a Kia Optima EX from XXXX XXXX in XXXX, XXXX. The salesman 's name was XXXX XXXX. He no longer works there. Once a price was agreed upon which was {$220.00} per month we began the paperwork process. We were informed of the basic lease information which we are familiar with as we have been leasing cars from various car brands for over 20 years. The one thing XXXX left out of his explanation of our obligation was the fact that Kia has an open-ended lease policy. Therefore, as we were signing papers and initialing away, at NO POINT was an open-ended lease policy explained to us and what that could possibly mean to us at the end of the lease term or if we decided to do an early lease termination, which I 've done in the past with other brands. When this has happened with other brands, we have had to pay the entire term of the lease off and in addition to that, we have had to pay a disposition fee which we know exists in almost all brands we 've ever leased, especially if we decided to lease from a different brand of car. We know that a way to avoid the disposition fee was to stay with the same brand and lease or buy from them again. I have no problem paying a disposition fee because I was made aware of it and I agreed to that knowingly. XX/XX/XXXX we decided to turn in the Kia Optima EX early and lease a Jeep Renegade. The lease was being turned in 6 months and 7 payments early. The Jeep was leased from XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. My son was the person who leased this Jeep as he was the primary driver of the Kia and he was the one who paid off the lease and disposition fee for it. My complaint is technically about both of the above mentioned dealerships. We were 100 % lied to by both places, however the majority of my complaint is about XXXX XXXX. My son brought in his lease paperwork to XXXX XXXX and was then made aware that this was an open-ended lease but that after ALL the payments for the lease term were paid and the disposition fee was paid no further monies would be owed to Kia. He was promised that by the XXXX dealer. Once he had the word of the salesman XXXX XXXX from XXXX XXXX, XXXX we decided to move forward with the deal. The deal was made and then we received a letter from Kia Finance dated XXXX XXXX, XXXX stating that we owed them {$3100.00} early termination fee. They state in the letter that the car was valued at {$17000.00} but they auctioned it off for {$13000.00}. They credited us the payment they received from XXXX XXXX leaving us with a balance of {$3100.00}. XXXX XXXX also messed up because they never called XXXX XXXX for a payoff balance. They estimated he had 6 payments left when in fact it was 7 payments and the disposition fee was {$400.00} and they put in the XXXX paperwork it was {$390.00}. I know it is only a {$5.00} difference there but it shows me the incompetence of XXXX XXXX. I tried getting help from the finance person at the XXXX dealer who also happens to be the son of the owner, XXXX XXXX. He agreed that his salesperson XXXX XXXX was not forthcoming with my son and he was going to try and buy the car back so we would not have to pay XXXX the {$3100.00} since his employee messed up, Once XXXX could not get the car back, he told us he could n't do anything else for us and that my son signed the papers and that the " real '' enemy here is XXXX XXXX. I also informed XXXX that XXXX XXXX did not send Kia the correct amount of a payoff and he shorted Kia one month 's payment and shorted them {$5.00} on the disposition fee and I thought I should get that money back. He told me " no '' because even though his employee calculated wrong, once again, " my son signed the papers. '' The Kia dealer wo n't help either. We were lied to by both dealers. I paid the money but feel wronged.
|
| 02/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I have attached the full complaint.
I have been financing a 2016 KIA Soul through Kia Finance for 1 year now. I have made every single payment on time and have had no problems, until I tried shipping my vehicle overseas due to a military XXXX. I started this process with Kia Finance three weeks ago and it is still not solved. First off, my wife called the service desk number XXXX over 3 weeks ago. She asked about the process on how to ship a vehicle overseas and the response was that a " Vehicle Transport Request Form '' was needed and that we should receive it in the mail between XXXX five business days. XXXX five business days go by and we received nothing, to this day we still have not received this from Kia Finance. After five business days, I call XXXX, a different customer support number. This customer support number " apologizes for the inconvenience '' and lets me know that the form is available online for me to print out ... We fill out the form immediately and fax it to XXXX with all of the extra required forms. I call the customer support phone number XXXX the next day and they say " unfortunately, they still have not received the documents, it can anywhere from XXXX five business days to receive the paperwork. '' I have never heard of a fax taking five business days to be received. I let 72 business hours go by and call back customer support and I get more or less the same answer " unfortunately, they still have not received the documents, it can anywhere from XXXX five business days to receive the paperwork and I can try faxing it to a different number '' ( I do not remember the second fax number by it was confirmed multiple times by customer service that it was also a correct fax number. At this point it is getting closer and closer to my military move and I literally call customer service every day and get no help at all. All customer service has to say is that " unfortunately, they have not received the documents and there is nothing they can do. '' Furiously, I ask for supervisors and managers, still calling every day. Some supervisors said that another office does this entire process and there are " no phones '' in their building and no way to contact them. Another supervisor said he would email them and " should get a response within 72 hours. '' 72 hours go by ... no response. At this point I am less than a week away from moving and need to make something happen, so I refinance. I am now going to have to pay over {$800.00} in finance charges that I would n't have had to pay with Kia Finance, but it would all be worth it, because XXXX was able to give me a letter authorizing me to ship my vehicle overseas ( I got the loan approval and the letter of approval in less than 15 minutes on the phone with a XXXX employee ), even before they receive the title from Kia. I priority shipped the check on a Friday and figured I would be able to ship my vehicle overseas on Monday no problem. Well, I was wrong again. Since my registration stated that Kia Finance had my title, the shipping company needed something from Kia Finance stating that my loan was either paid in full or a letter authorizing me to ship the vehicle overseas. Obviously, I get back on the phone with customer support and ask to have either or. No help once again. " Nothing in our system shows that you sent a check or your account is paid in full. '' Jokes on you this time Kia, I have a tracking number from USPS that shows that it has been delivered. Arguing all day long that they have my money and all I need from them is nothing more than a piece of paper, a supervisor in the morning tells me that as soon the check is received they will process it and email it to me and fax it to the shipping company ( at this point they have not yet picked up the package at their
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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HYUNDAI CAPITAL AMERICA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT DEAR HYUNDAI CAPITAL AMERICA AND HYUNDAI MOTOR FINANCE COMPANY, ACCOUNT # XXXX You are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and housing purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation, a responsibility.
Accurate : correct in all details : exact Prohibition : a law or regulation forbidding something.
As defined by the IRS Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge off as a Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By definition The IRS clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is inaccurate.
15 USC 1681s-says YOU HYUNDAI MOTOR FINANCE COMPANY are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.
15 USC 1681s -2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The letter must file form 1099-c and send a copy if the amount of canceled debt is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier.
The above paragraph is taken directly from the IRS 2021 publication.
Send me my form 1099-C that you should have sent when you filed the account as a canceled debt.
My address is listed in this letter.
15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is, in fact, inaccurate.
In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information, is in fact, inaccurate.
The continued reporting of this inaccurate information is clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE this erroneous, inaccurate account from my consumer report.
YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
Very truly yours, XXXX XXXX XXXX, XXXX
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| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
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Re : Dispute of adverse credit history indication by Hyundai Motor Finance Corporation This is in response to a report that was made regarding a late payment to the various credit reporting agencies by Hyundai Motor Finance Corporation.
I am disputing this report for the following reasons : 1 ) I was unaware that there was a lease-end balance due payment until my bank notified me that there had been an adverse credit report on XXXX.
2 ) I never received an invoice of any kind from Hyundai indicating that there was a balance due following the termination of by lease agreement ( XX/XX/2018 ) until I requested that they send me a copy via facsimile XX/XX/2018. I called Hyundai on XX/XX/2018 after being notified by my bank that there had been an adverse credit indication affecting my credit score. Hyundai claimed to have sent an invoice to me in XXXX of 2018. I explained that I had never received the invoice and offered to pay it immediately. I asked them to fax the invoice to me. They did that, at my request and the past due amount was paid within 24 hours of my receipt of the invoice.
3 ) While Hyundai had called my home several times and left voicemails, the callers failed to indicate the reason or purpose of their calls. At no time did Hyundai Motor Finance indicate in those voicemails that they were calling due to a billing or account issue. I assumed that they were sales/promotional related, since I had just terminated a business agreement with them, similar to the hundreds of other such calls I receive that go unanswered.
4 ) Hyundai had the capability throughout the period of the vehicle lease to take direct draws on my account. However, they chose not to take a draw for this final payment due, without notifying me of that. In fact, I received an email communication from Hyundai on XX/XX/2018 stating that my financial obligation was complete and that the payment schedule was being deleted at Hyundais request.
5 ) Following my return of the lease vehicle, Hyundai immediately shut down access to my on-line account with them ; prior to invoicing me the the end-of-lease payment that they claim was owed. Consequently I could not log-in to see details about any balance due, nor did I have a reason so, because I was unaware of any amount due.
6 ) Although I had updated my address of record in my on-line account, Hyundai apparently sent the invoices for the final end-of-lease payment due to the address of my previous employer, rather than contact me at my home address. Therefore, I could not have been aware of an outstanding amount due nor could I have been aware of an invoice.
I called Hyundai Motor Finance about this and I still have a recording of that call. They were unprofessional and unwilling to correct the credit reporting problem, even though I paid the amount in full within 24 hours of receiving the invoice via facsimile, at my request.
I manage my credit very carefully and, in my opinion, the actions of Hyundai in this cas
e have been unethical and irresponsible. I also believe that their business practices are borderline usury. Had anyone from Hyundai simply identified in a voicemail to me that there was a billing issue, I would have called them back immediately. Moreover, had Hyundai sent the invoice to my home email and/or physical address, this payment would have been made on-time.
As a result of their unilateral actions, my credit rating decreased from well over XXXX to less than XXXX ( at the time ), which caused me great financial hardship. The adverse credit report remains on my credit report still today- despite the fact that I have provided full documentation, including a dated copy of a facsimile transmission of the final invoice from Hyundai to me several months after they claim it was past due.
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| 02/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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My ongoing Hyundai car lease issue. I have faxed the documents/proof of payments to Hyundai 3 - 4 times.
Esseentially : I started a new job ; they were experiencing difficulty with the direct deposit. It took about three months to successfully set it up.
I contacted XXXX XXXX XXXX ( XXXX ) in XXXX XXXX to advise them that I intended to close my account. I was switching to solely banking with my credit union.
Unaware the direct deposit would take so long, I only cancelled two months of bill-pay requests for my car lease, thinking surely I would close the account before that time.
In the meantime, I worked to reduce the XXXX balance as much as possible, to assist with a seamless switch.
Unfortunately, XXXX paid my XXXX/XXXX/XXXX Hyundai car payment, the same time that my direct deposit went through and my credit union ( XXXX XXXX XXXX XXXX ) also issued a payment.
This is my first lease, I often make double payments towards my bills. I thought that I could skip the car payment the following month.
I contacted Hyundai in XXXX to confirm receipt of the double payment and to verify that I could skip a payment.
Hyundai mentioned that they did not see a double payment in their system, they saw a missed payment. I explained the direct deposit/BoA/credit union timing situation, and that a payment was issued from both institutions.
Their non-receipt of a double payment did not sound accurate. I registered their Web site to view my payment history. Their Web site payments sections is a bit confusing, I could not accurately trace the payments.
I called back later for assistance with identifying the double payment ( can not recall the timeframe, days/within a week ). The rep mentioned that they do not show a double payment and referred me back to their Web site.
I inquired about their hours as I would have to call back when I could sit with someone on the phone while reviewing the payments history on their Web site. Otherwise, if I reviewed it alone and we were not on the same page, I would have to continue calling.
After weeks of trying to figure this out, I began receiving bills from Hyundai indicating that I missed a payment, late fees were incurred, and constant harassing phone calls, etc.
As my lease was ending on XXXX XXXX XXXX, I contacted a lease-end consultant, explained the situation to them. The rep was understanding and mentioned that 'Oh, if you made a double payment, you just get to skip the last month 's payment. ' Sounded reasonable to me.
Finally, I thought we were on the same page as I understood that I could only skip the last month 's payment, not the month following the double payment. No luck.
In XXXX, despite my repeated attempts to clarify/understand what was going on since XXXX XXXX, Hyundai started harassing me with phone calls all hours of the day/weekends/holidays, etc.
During my employer 's holiday shutdown, I had to use my vacation time away from family and friends to continue to figure out this situation.
On XXXX XXXX XXXX, a Hyundai rep decided on a new story, they would have received a double payment, but Hyundai returned the payment to XXXX.
On XXXX XXXX XXXX, I physically went into XXXX, sat with a personal banker who researched the inquiry. XXXX confirmed no return payment, provided me payment confirmation and a letter on their letterhead.
Once I left XXXX, I called my credit union. They confirmed that they could also see the payment. I physically went into the branch, explained the situation to the Teller who researched it. The Teller confirmed the payment, printed my statements, and drafted a letter.
I called Hyundai several times to update them and for guidance on how to proceed. XXXX ( customer service rep ) transferred me to XXXX and I spoke with XXXX XXXX.
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| 05/25/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In XX/XX/XXXX, I leased a XXXX XXXX XXXX with Kia Finance America as the lessor. In the fall of XXXX, I moved to California. In early XX/XX/XXXX, I sought to register my vehicle in California at my local DMV in XXXX XXXX. At that time, I was informed that I could only register my vehicle if I had a limited power of attorney signed by a representative of Kia Finance America. At that time, I contacted Kia via its customer service department ( XXXX ) and requested that the document be sent to my local DMV. Approximately a week later, I called Kia Finance America to ask if the document had been sent and was told that it had been. I went to the DMV on XX/XX/XXXX and was informed that it had not been received. I then called Kia Finance America again to ask if the document had been sent and was told that it had been. I went to the DMV again on XX/XX/XXXX and was informed that it had not been received. I then called Kia Finance America again to ask if the document had been sent and was told that it had been. On XX/XX/XXXX, I called Kia Finance America and expressed my exasperation. After speaking with them, I received an unexpected next-day-air package to my doorstep with the limited power of attorney that I had been told multiple times would take days to weeks to process. In late XX/XX/XXXX, I went to the DMV and registered my car ; however, I was told that my license plates would not be released until the DMV received the paper title from Kia Finance America. I then called Kia Finance America and was told that the document would be sent. Upon relaying this information to the DMV, I was assured that my license plates would be sent by postal mail within six weeks from XX/XX/XXXX. Having heard nothing from that time forward, I contacted Kia Finance America in early XXXX and was assured that the title had been sent. On XX/XX/XXXX, I went back to the DMV and was told that the title had not been received. I then called Kia Finance America and was told that I was misinformed- the title was never sent. I was then informed that the title would be sent within ten business days and to call back for a tracking number. After ten business days, I called back again and was told that five additional business days were needed. After calling back after those five business days had passed, I was told that there was a processing issue and that the title could not be sent. I was also told that the customer service department could not speak directly with the titles department. Since XX/XX/XXXX, I have called Kia Motors Finance at least eight times, each time either being told that I needed to wait longer or having the call " dropped. '' On Wednesday, XX/XX/XXXX, I was told that someone from the customer care team would reach out to me within XXXX business days to resolve the issue- this never happened. Upon calling back three times today, XX/XX/XXXX, and speaking to at least five different Kia Motors Finance employees in three different departments ( customer service, customer care, and the special agents team ), I was told that the title would be sent on XX/XX/XXXX, and to call back after that date for an update.
After over six months of corresponding with Kia Finance America, I do not believe the title will be sent, and even if it is, I am curious as to whether my rights as a consumer have been violated. Kia Finance America has continuously supplied me with faulty information and has single-handedly prevented me from registering my car, my right as lessee, for over six months. Unfortunately, I did not record the names of the employees with whom I have spoken, and I do not have a complete record of each call that I have made. I would be happy to submit a copy of my lease or my attempted car registration if it would be helpful.
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| 12/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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This complaint relates to misapplication of payments and potentially fraudulent billing practices. In XX/XX/XXXX 2021 I entered into a new vehicle lease with Hyundai Capital America ( XXXX Hyundai Motor Finance ( XXXX HMF '' ) ). The lease provided for a monthly payment of {$410.00}, with the first payment due onXX/XX/XXXX and the next payment due onXX/XX/XXXX and monthly thereafter. The dealership writing the lease took a payment of {$410.00} and applied it to the first monthly payment.
In early XXXX, I received a notice from XXXX XXXX encouraging me to sign up for autopay. This notice provided my account number, instructions to access their website and stated that my monthly payment was {$400.00}. I followed these instructions and enrolled in autopay, instructing HMF to pull the full amount due from my back account monthly on the XXXX of each month. I also enrolled in electronic communication with HMF.
Each month through XXXX, I received an email telling me that my statement was ready and no other communication from HMF and I saw the monthly direct debit from my back account. On XX/XX/XXXX, I received an email with the subject line : " Your payment is now past due. '' This caused me to review my online statements since XXXX. I saw that a {$400.00} payment had been recorded on my account on XX/XX/XXXX and again on XX/XX/XXXX and then on the XXXX of each month through XXXX. Then starting XX/XX/XXXX my auto payment mysteriously changed to {$410.00}, where it remained through the last recorded payment on XX/XX/XXXX. It is my belief that the XX/XX/XXXX payment was for the XX/XX/XXXX payment date and each later payment was made 17 days in advance of its due date.
I found no information in my statements indicating why HMF had changed the payment amount to {$410.00} and believe that this was done without my consent. In addition, none of the XXXX statements that I received from HMF to date made any mention of a late payment or the charge of a late fee -- they simply showed a payment amount due with no additional detail as to what that amount was comprised of. I believe that this is misleading to consumers and likely violates consumer protection laws.
On XX/XX/XXXX I called HMF customer service and spent XXXX minutes on the phone with, speaking with supervisors in customer service ( XXXX XXXX XXXX and collections ( XXXX ) before my call with XXXX was disconnected. I was informed that my account was now XXXX days past due and that I would need to pay {$76.00} less XXXX late fee ( given as a curtesy credit ) amount to clear my account before anything further could be discussed. I explained that I had done everything correctly and that I believed that there was a calculation error on the part of HMF here. I was unable to get satisfactory answers to any of the following questions : ( i ) What happened to the XX/XX/XXXX payment? It would seem that this should have been credited to XXXX and each other payment credited to the following month 's amount due, thus avoiding any late fees ( ii ) Why did HMF change the amount debited from {$400.00} to {$410.00}? ( iii ) How my account could be delinquent given that it was set to auto pay of the full amount? ( iii ) How the account could have accrued numerous late fees yet only be XXXX days delinquent. I also asked to be provided with a statement that showed me that actual late fees that were assessed against my account, but neither of the supervisory representatives were able to do this.
I would appreciate your assistance in cleaning up this account. I would also highly suggest that you undertake an investigation of HMF 's billing practices as it would be unusually for my account to be the only one for which mistakes such as these could be made.
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| 11/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My father and I have had terrible difficulty getting title for my fathers car after he exercised the buyout option on his lease with XXXX in XX/XX/XXXX, and made the required payments to do so, and became the owner of the vehicle. Neither he nor I have ever received title to the vehicle ; it has been XXXX months.
Subsequent to the lease buyout in XX/XX/XXXX, my father XXXX XXXX, died on XX/XX/XXXX at age XXXX ( I provided all the documentation XXXX requested to XXXX regarding his death ).
Can you help me finally get title? The process with XXXX has been incredibly frustrating and time consuming. And nothing ever happens, XXXX doesn't do anything.
A chronicle of certain events is below : XXXX. My father made all the required payments to buyout his lease on XX/XX/XXXX ; notwithstanding the payments being made, XXXX continued to send notices to my father telling him to return his car to XXXX XXXX. XXXX said they would send title to my father at his home XXXX XXXX, XXXX XXXX MI XXXX but never did ; subsequently, in XX/XX/XXXX, XXXX has said that they had an incorrect zip code which is why my father never received title 3. I called XXXX many times with my father prior to my fathers death ( he designated me as his representative with XXXX on the phone ) ; XXXX was never able to tell us where title was ; they always said XXXX put a note in the file and we should call back ; every time we called back we would repeat the same exercise 4. My father died on XX/XX/XXXX XXXX. In XX/XX/XXXX a XXXX representative told me to send documentation to the XXXX title department ; I provided that documentation ; I didnt receive any response to that letter ; when I called XXXX XXXX connected me to XXXX XXXX Accounts XXXX. On XX/XX/XXXX Deceased Accounts sent me a secure email to XXXX asking for additional documentation to be provided to XXXX vis fax ; on XX/XX/XXXX I faxed the required documentation to XXXX Deceased Accounts ; I did not receive any response XXXX. On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX ; she told me XXXX had the incorrect zip code in XX/XX/XXXX ; XXXX told me she requested a duplicate title be sent to me XXXX. On XX/XX/XXXX I spoke to another XXXX special agent ; he told me that XXXX mailed title on XX/XX/XXXX vis XXXX XXXX number XXXX ; title was sent to XXXX XXXX XXXX XXXX NY XXXX ( this is the correct/new address ) ; the XXXX system says the mail wasnt delivered ( was last tracked in XXXX XXXX NY XXXX and I never received title ( this was odd because XXXX XXXX XXXX XXXX was not aware of this when I spoke with her on XX/XX/XXXX ) XXXX. On XX/XX/XXXX I spoke to a XXXX special agent who told me to call back in the future ; when I expressed frustration, and to talk to his supervisor, he hung up on me XXXX. I have subsequently called XXXX several times ; however, now nobody at XXXX seems to know anything and they tell me to call back later. I'm lost on what to do.
XXXX worried there is some form of fraud going on. The XXXX agents tell me they are not allowed to call me back. It is frustrating for me to call because I always have to call and enter account numbers, birth dates and other information ( which takes 5-10 minutes ). Then, the XXXX agents I speak with dont have the relevant information available to them and XXXX able to communicate with other XXXX XXXX ( e.g., Title Dept and Special Accounts ). Nobody knows what is going on or what to do. I have sent XXXX letters to XXXX by certified mail. I have sent a fax. I have called numerous times. It has been XXXX months.
Can you fix my problems and get title sent to me?
Thank you for your attention to this matter. You can reach me on XXXX or via email at XXXX.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
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| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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HYUNDAI CAPITAL AMERICA Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
I am writing in regard to the above-referenced account/s and transactions. The vehicle purchased at Hyundai of XXXX XXXX and financed though Hyundai Motor Finance.
I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( Hyundai of XXXX XXXX XXXX ) did not disclose this information to me that is required by federal law.
( Hyundai of XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.
( Hyundai of XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
You are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.
Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.
15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.
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| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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I dispute the remaining balance associated with my auto loan account XXXX, as well as the reporting inaccuracies on my credit report. Furthermore, I wish to address the situation involving XXXX 's sale of my totaled vehicle, their undisclosed profit, the issue of ownership rights, and the concern that any insurance payment intended for title release should have been applied to the remaining loan balance. I kindly request your immediate attention to these matters. Through a meticulous review of my loan agreement, insurance payout details, and interactions with XXXX, I have identified significant discrepancies that necessitate resolution. I would like to bring the following critical points to your attention : XXXX. XXXX 's Undisclosed Profit** : It has come to my attention that XXXX profited from the sale of my totaled vehicle without disclosing that such a profit would be generated. Given that I would have never willingly surrendered the car to XXXX for free, it is reasonable to expect that any profit generated should contribute to the repayment of the remaining loan balance. XXXX. **Ownership Rights and Consideration** : The principle of ownership and consideration is pivotal to this situation. I would have never provided my vehicle to XXXX without compensation. XXXX 's undisclosed profit should serve as compensation and be rightfully allocated towards the satisfaction of the remaining balance on my loan. XXXX. XXXX*Insurance Payment for Title Release** : Any insurance payment received for the purpose of releasing the title on the loan should have been appropriately applied to the remaining balance of the loan. It is a matter of fairness and adherence to contractual obligations that such payments be used to reduce the outstanding loan amount. XXXX. **Applicability of Legal Standards** : I believe these legal standards support my contention that XXXX 's profit and insurance payments should contribute to the remaining balance. XXXX. **Detailed Documentation** : To facilitate a comprehensive resolution, I kindly request a comprehensive breakdown of the calculations that led to the remaining balance reported on my account. Additionally, I seek transparency regarding XXXX 's sale process and the rationale behind not applying their undisclosed profit and insurance payments to the remaining balance. XXXX. **Insurance Payout Verification** : To ensure transparency, I urge you to verify that the insurance payout I received aligned with the terms of the policy. I request detailed documentation outlining the calculations used to determine the maximum insurance payout. XXXX. **Correction of Credit Report** : Inaccuracy in my credit report regarding the remaining balance is concerning. I urge you to promptly update the information reported to credit bureaus to accurately reflect the remaining balance after accounting for XXXX 's undisclosed profit and insurance payments. XXXX. **Prompt Resolution** : Given the complexity of this situation, I emphasize the urgency of your review and resolution process. Timely correction of my credit report and a fair resolution of these matters are crucial. Transparent communication is pivotal to resolving this dispute and maintaining a positive working relationship. Please acknowledge receipt of this dispute and provide a clear timeline for your response and resolution of the issues raised. I am committed to cooperating fully to ensure a fair and accurate resolution. Thank you for your immediate attention to this matter. I eagerly await your timely response. The issues at hand are prime for CFPB Ombudsman 's Office to conduct an independent, impartial, and confidential review in resolving and processing the issues arising.
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| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As a consumer, I assert that Hyundai Capital America ; Hyundai Motor Finance has consistently violated my right to privacy, as protected by the Privacy Act of 1974. Hyundai Capital America ; Hyundai Motor Finance, through its various iterations, has reported negative information on my credit report without my authorization, contravening the Fair Credit Reporting Act ( FCRA ), as explicitly outlined in 15 USC 1681 section 602a. This section of the FCRA emphasizes the imperative for consumer reporting agencies to discharge their responsibilities with fairness, impartiality, and due regard for consumer privacy, stating, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Pursuant to 15 USC 6801, I, as the consumer, retain the right to ensure that my private information is not disseminated without explicit consent. Hyundai Capital America ; Hyundai Motor Finance, recognized as a financial institution under the same title, is subject to 15 USC 1681 section 604a section 2, which explicitly states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this specific case, neither Hyundai Capital America ; Hyundai Motor Finance nor XXXX, XXXX and XXXX, a consumer reporting agency, possesses my written consent to furnish this information, rendering their actions unlawful.I hereby unequivocally revoke any and all consent previously granted to XXXX, XXXX, XXXX and Hyundai Capital America ; Hyundai Motor Finance, whether such consent was verbal, non-verbal, written, implied, or otherwise. Additionally, it is noteworthy that Hyundai Capital America ; Hyundai Motor Finance and XXXX, XXXX, XXXX neglected to apprise me of my right to exercise the nondisclosure option, exacerbating their non-compliance with relevant laws.
Furthermore, the inclusion of this adverse item in my credit report by XXXX XXXX and XXXX runs afoul of 15 USC 1681C ( a ) ( 5 ), which explicitly states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' XXXX, XXXX and XXXX, as consumer reporting agencies, are duty-bound to uphold reasonable procedures designed to avoid such violations, as mandated by the requirements delineated in 15 USC 1681b . Additionally, 12 CFR 1016.7 further underscores a consumer 's right to opt out at any time from reporting services.
Hyundai Capital America is also reporting on an account that they have already written off and have sent a 1099c to me the consumer, confirming this. This debt is already discharged. They can't collect on a charged-off or discharged account. After all, it is considered taxable income and income can not be reported on a consumer credit report. This account is an adverse item they are reporting again without my permission, which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX, is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ' I am opting out of your reporting services.
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| 03/24/2021 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/21 I sent a payment to Kia Motor Finance in the amount of {$550.00} using bill payer from my credit union because the Kia website where I had made my first payment had been down for several days and the payment was already due.
On XX/XX/21 I called Kia Motor Finance because I saw on my account that the payment I had made on XX/XX/21 had not been applied to my loan and my account was showing past due. When I checked my account with my credit union I verified that the payment was paid and accepted by Kia. At that time I did see that I had inadvertently put Kias phone number XXXX in the account number section. So I called Kia to try and rectify the error. After over an hour on hold and speaking to several people I was told by XXXX that my Credit Union needed to fax them proof of payment and then my payment could be applied to my loan because she could not find the payment. This process would take approx 3-5 business days once proof of payment was received. Any other payments When Kia received the payment with an invalid/wrong account number the payment should have been rejected and returned to my credit union, but it was accepted and not credited to any account.
On XX/XX/21 my credit union XXXX XXXX XXXX faxed the requested proof of payment to Kia Motor Finance verifying the payment and their acceptance of it.
On XX/XX/21 made XXXX payment in the amount of {$500.00}.
On XX/XX/21 Kia had still not credited my loan for the payment of {$550.00} made on XX/XX/21 and is still showing my account as past due. So I sent a letter to Kia Motor Finance detailing the situation and asking that the payment be applied to my loan or returned to my credit union and I also attached a copy of the proof of payment that my credit union had faxed to them.
On XX/XX/21 my account still not credited the payment I called to see why and what the problem is. I was told I need to make the past due payment. I explained that there is no past due payment if they apply my XXXX payment. Lady verified that they had received the proof of payment from my credit union on XX/XX/21 and it is attached to my account, but that the department that may be able to help me were gone for the day.
On XX/XX/21 received Account Past Due Notification dated XX/XX/21 stating that a payment of {$510.00} was past due, late fees added, and further collection efforts will be taken if not paid.
On XX/XX/21 called again to see why after 3 weeks after Kia received proof of payment from my credit union they still have not applied the payment to my loan. Was told I needed to pay the past due balance of {$510.00} right now to prevent further collection and negative credit reporting. Asked to speak to a manager or supervisor who can tell me why my {$550.00} payment made XX/XX/21 still had not been applied to my loan and if it had been there would be no balance due! Spoke with XXXX from the customer assistance team. She confirmed that the proof of payment was received from my credit union along with the letter I sent. She stated that it is in verification process. I asked her how long that takes and she said 3-5 business days from when the proof of payment was received. I asked her how much longer this was going to take since it has already been 15 business days. She stated she has no idea when they will verify the payment. She stated she would escalate.
At this time I have spent hours on the phone with Kia Motor Finance and have provided them the proof they needed to credit the {$550.00} payment to my loan. My due diligence has still not resolved the problem. My credit score is now in jeopardy and I am in the process of starting a refi on my home which this will negatively affect.
|
| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I contacted Kia Motors Finance to request my credit be updated with the credit bureaus. I was involved in an accident that wasn't my fault. My car was deemed a total loss. I need to find another car so I wanted my exceptional payments to be fully documented and up to date. I called around 15 times trying to explain it. I was getting told I needed to dispute it with the credit bureaus. I finally ask to speak to a supervisor and was denied. The representative said the supervisor wasn't going to tell me anything different than what she said. I contacted the top administrator for Kia, XXXX XXXX, by email. I record everything, that's why I had a dash cam in my to prove I wasn't responsible for the accident. I emailed Mr XXXX and attached the recorded conversation with the lady who wouldn't let me speak to a supervisor. I was way beyond frustrating at this point. Kia has always had a ten day grace period before considering the payment was late. I previously used that ten day grace period around nine times prior to the current incident. It was one day past my due date and I was charged a late fee and it was reported to the credit bureaus so it would appear to be late. This was in retaliation because of the email with me being denied access to the supervisor. The payoff on the car increased on the credit report. XXXX said on XX/XX/XXXX it was {$10000.00} and this was consistent with their automated system. XXXX however had the payoff at {$11000.00} on XXXX the XXXX. The very same day I emailed him about being denied access to a supervisor. Recording the conversation was completely legal. The Oklahoma State Statute says as long as one party of the conversation gives consent to record the conversation it's legal. I was the one party of the conversation who consented to the conversation being recorded. He knew a settlement had been reached. I was waiting to see if the money would arrive during that ten day grace period which I used around nine times previously. The payment is due on the XXXX. On the XXXX I was charged with a late fee and it was recorded on my credit report negatively. In previous ten day grace periods I was never charged a late fee or negative reporting. He's reported false information to the credit bureaus, commiting abuse of power. I have bank account records showing my XX/XX/XXXX payment was made on XX/XX/XXXX. My XX/XX/XXXX was made on XX/XX/XXXX. My XX/XX/XXXX payment was made on XX/XX/XXXX. My XX/XX/XXXX payment was made on XX/XX/XXXX. Anytime there's a {$360.00} charge it's because I deferred a payment. I deferred the XX/XX/XXXX payment. I paid my XX/XX/XXXX payment on XX/XX/XXXX. My XX/XX/XXXX payment was paid on XX/XX/XXXX. My XX/XX/XXXX payment was paid on XX/XX/XXXX. My XX/XX/XXXX payment was made on XX/XX/XXXX. I would catch up and only used the ten day grace period when I had too. I always made sure my payments were made by their definition of being late. I received no documentation stating their policy had changed and no negative comments on my credit report. They knew my settlement was for XXXX which would have paid off the {$10000.00} payoff balance. He made certain {$11000.00} was falsely reported to the credit bureaus so I would have to pay cash or file my gap insurance. A difference of {$730.00}. I need a vehicle. I have to make it to medical appointments in XXXX XXXX 3 hours away. I'm supposed to have XXXX. My auto loan payments were exceptional and now reflect negatively. I can't get a car to make it to my appointments and XXXX if my auto loan has been falsified by abuse of power. If you have any more questions or require further documentation please give me an opportunity to address those.
|
| 01/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
XXXX XXXX, XXXX Hyundai of XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dear : XXXX XXXX XXXX, Please find attach all records pertaining to a dispute that I have been having with Hyundai Finance. Since XXXX XXXX, XXXX Hyundai Finance has demanded a payment of {$450.00} for the lease of the XXXX Hyundai Sonata. They claim that Hyundai of XXXX made a mistake on the lease and that I must pay the new amount.
I called you in XXXX XXXX and confirmed that my lease payment was in fact {$390.00}. You said that you would correct the problem and advise me accordingly. That did not happen and since them I have been badgered by Hyundai Finance Collections ever since.
A letter was sent to both Hyundai Finance and Hyundai of XXXX by my attorney XXXX XXXX XXXX on XXXX XXXX, XXXX ( letter attached ) and in XXXX of XXXX I received XXXX notices of default ( also attached ).
I want to make my intentions very clear, if Hyundai of XXXX can not meet the agreed to terms of my lease agreement and my credit is damaged in any way, I will seek whatever damages are available under the law and use any available public means to get resolution.
I will be more than happy to return the XXXX Hyundai Sonata to you provided you return my XXXX Hyundai Sonata that was taken in as a trade-in. Anything else is unacceptable.
Thank you, XXXX XXXX From : XXXX XXXX Sent : Friday, XXXX XXXX, XXXX XXXX XXXX To : XXXX XXXX ( XXXXXXXXXXXX ) Subject : FW : Message from XXXX Attached is the Monthly Statement in which they want me to pay {$450.00} per month plus late fees. The original deal and the lease Agreement are also attached. Hyundai Finance said by law they had 10 days from the date of the sale to change what they offered me for my car and increase my payment. They are claiming they gave me too much for the trade-in.
They said that it was Hyundai of XXXX responsibility to get in contact with me to make the correction. I asked why after 3 months of calls XXXX XXXX calls per day and night XXXX from their collection group and me going to Hyundai of XXXX in XXXX, who agreed with me that my payment was {$390.00}, are they giving me this line of XXXX now? I told them that they ( Hyundai Finance ) insisted at the beginning of this fiasco that I signed a contract with a monthly payment of {$450.00}. I asked them to send me the contract. They said to call my dealership. I never got a copy of that {$450.00} contract.
I called Hyundai of XXXX yesterday and told them there is no deal and I would return the car and they can get me a XXXX XXXX Sonata with the same mileage I had when I traded it in. The miles ( XXXX ) on the new car they 'll have to eat. Of course, they have not called me back.
Thanks for the help.
XXXX XXXX Regional Human Resource Director XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Tel : XXXX XXXX XXXX Mobile : XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXXXXXXXXXX From : XXXX XXXX Sent : Friday, XXXX XXXX , XXXX XXXX XXXX To : XXXX XXXX ( XXXXXXXXXXXX ) Subject : FW : Message from XXXX Attached is the Monthly Statement in which they want me to pay {$450.00} per month plus late fees. The original deal and the lease Agreement are also attached. Hyundai Finance said by law they had 10 days from the date of the sale to change what they offered me for my car and increase my payment. They are claiming they gave me too much for the trade-in.
They said that it was Hyundai of XXXX responsibility to get in contact with me to make the correction. I asked why after 3 months of calls ( 3-4 calls per day and night ) from their collection group and me going to Hyundai of XXXX in XXXX, who agreed with me that my payment was {$390.00}, are they giving me this line of XXXX now?
|
| 10/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
In XXXX XXXX, I leased a vehicle with Hyundai Financial . This is the exact time the world was stopping due to the Coronavirus Pandemic. The day after I provided a down payment of {$5000.00} and signed my lease papers, I was laid off from my job. This was due to government restrictions and the overall economic situation that government closures had on many businesses. After layoff, I was become no longer able to afford this vehicle.
I immediately called for some help and/or relief. I offered to return the vehicle to the dealer since it was a only a day leased. I was unable to obtain any accommodations. The dealer would not take the vehicle back and I was unable to get in touch with Hyundai Financial to discuss hardship options.
After multiple months of trying to contact Hyundai Financial and being unable to speak with a representative due to phone capacity on their part, I was offered a three month deferral on payment as the ONLY option for my hardship. I accepted this offer, but this offer was subsequently reduced to two months which I dont understand why. Please note, this reduction of terms after being is a deceptive practice as it goes against the prohibition of unfair, deceptive, or abusive acts or practices. Specifically, Hyundai Financial promised one thing, then didnt honor the commitment on a material term of the financial agreement.
I have been exploring options to try and sell my car and payoff the lease payment. I was thinking of selling my car to used car companies and payoff the lease. However, these companies will NOT buy a car off a Hyundai Financial Lease. They have indicated Hyundai Financial will not allow the car company to pay off the lease and buy the car off the lease. I looked at my lease contract and was able to find the provision that prohibits this type of sale to the third party. It was buried in the fine print of the contract that was not discussed with me upon signing. This type of provision is unfair as it restrict my rights to sell the car off the lease ( for the amount of the payoff ) whereas Hyundai Financial is paid the full amount for the car. This provision provides substantial harm to me, and was not reasonable avoidable by me as it wasnt discussed with me prior and was buried in the contract. Accordingly, not allowing the vehicle to be sold and tender the payoff amount to Hyundai is against public policy and is prohibited by the prohibition of engaging in an unfair act or practice. I have expended lots of effort into this and am tired of continuing this route because of Hyundais unwillingness to work with me.
Now, Hyundai financial will not work with me due to my continued hardship on paying the vehicle. I am a XXXX year old woman, on a fixed income now and am unable to find employment.
As a loyal customer of Hyundai Financial, I would like to believe that they are a honest and ethical company ; however, their unwillingness to work with me in my time of need seems to be discriminatory. Is it that they wont work with me because I am a woman? Because I am elderly? Because I am single? Because I am now on a fixed low income of only social security? I continue to think, would they be treating me the same way during my hardship if I were a man? If I were married and could get my husband to speak to them? Or, if I were younger and more sophisticated?
In my multiple leases with Hyundai, I have never missed a payment. Never. However, in the current economic environment, I must make choice of putting a roof over my head and food in my mouth and make the car payment. Making the car payment is not sustainable. I simply can not afford it.
I ask for your help, please.
|
| 08/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Case number : XXXX I refer to the above Case Number and the status at resolution as recorded below and subsequent attachment.
" Response not disputed Hyundai Motor Finance said : Explanation of closure With a commitment to customer service and consumer protection, Hyundai Capital America ( hereinafter " XXXX '' ), which does business as Hyundai Motor Finance, appreciates the opportunity to receive and respond to XXXX XXXX 's complaint. As is more fully explained below, after having thoroughly reviewed and investigated the facts and circumstances surrounding XXXX XXXX 's complaint, and recognizing the confusion associated with transmitting the executed extension agreement, HCA has taken steps to process the payment extension and amend its credit reporting on XXXX XXXX 's account so as to remove the 30 day delinquency mark. Consequently, with the responsive explanation being provided herein, HCA will proceed to close its file on this complaint Response In his complaint, XXXX XXXX expresses frustration and concern that he was unable to receive the payment extension forms in a timely manner prior to leaving the country such that the extension was n't processed and his account fell delinquent. Upon receipt of the complaint, HCA personnel reviewed the account history together with the communications between HCA and XXXX XXXX concerning the requested payment extension. Having completed the review, HCA agreed to process the 1-month payment extension and submit account updates to the credit reporting agencies to remove the 1 late mark. HCA personnel communicated directly with XXXX XXXX and explained this decision. XXXX XXXX indicated that he was appreciative of the resolution. HCA has since confirmed that XXXX of the XXXX major credit reporting agencies have already removed the mark, and HCA is waiting for the XXXX to confirm the same ''.
Further to the resolution, I received a call from Hyundai Motor Finance to the effect that in order to avoid the miscommunication experienced in the earlier payment extension, a new payment extension will be executed using an electronic signature process.
The new agreement was sent to me by email on XXXX/XXXX/2015 and I had it signed and documented signed on XXXX/XXXX/2015. Proofs of execution are attached and reported below A week after I signed the document, I received a barrage of calls from Hyundai Motor Finance claiming erroneously that I did not sign the document within the stipulated 2 weeks and thus the extension is not granted or in more practical terms, they will not honor a duly executed contract.
They proceeded to bombard me with a minimum of three calls per day every day and after about 2-3 months I asked them to stop calling me. They then followed up with two letters per week, one for collection of the original amount of {$390.00} plus late fee penalty now totaling {$600.00}. Incessant threat to repossess my car and did not remove the delinquent report at the credit bureau. All in clear violation of the resolution reached with CFPB and the agreement.
I paid the {$1100.00} for XX/XX/XXXX-XX/XX/2015 representing the 3 months ' payment as directed by their Contact man XXXX. The late fees are still being charged on the XX/XX/XXXX account and rolled over every month with the XXXX 2015 payment.
My prayer and request is for Hyundai Motor Finance to remove this XXXX 2015 payment delinquent and late fees and return to the agreement and initial resolution by Consumer Financial Protection Bureau. This harassment has had a very big strain on my mental health and well-being. I believe it is bullying and should stop.
I appreciate your second Intervention.
Thank you XXXX XXXX
|
| 08/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My car was repossessed by Kia Finance on XX/XX/XXXX. When I learned of this, I called them to find out how much was needed to redeem the car. I got the figure and he told me that it would remain in XXXX Fl for at least a week. Maybe a week and a half. I proceeded to find the resources to pay.
The money was received yesterday, XX/XX/XXXX, so I called to settle the balance. I was given the phone number to call to work on retrieving the car. XXXX told me they were sending the release to the vendor and give it about 30 minutes.
I called the vendor to trying to arrange getting my car back. They would tell me nothing except that they had not received the release yet. That was close to the end of their business day so I knew there was nothing more I could do.
I called that vendor again today, XX/XX/XXXX when they opened. I was told they dont have the release still but the car had been sent to the auction house on XX/XX/XXXX. That I would need to call XXXX back to find out who I needed to speak with next. They told me it is with XXXX XXXX and they gave me the number. They told me they had sent the release to XXXX and give it XXXX minutes. I waited the 30 minutes and called XXXX.
They told me they do not have the release but they also dont have the car yet .... which does not make sense if it was transported on XX/XX/XXXX. Which of course is not even a week by the way. They would not tell me anything more besides call XXXX again.
So, I call XXXX again and they tell me they sent the release to XXXX on XX/XX/XXXX after The other vendor emailed back that the car was already gone. They told me they would send the release, by my count a third time. I tried to get them to do a three way call to try to figure this all out. The XXXX rep refused. I asked for a supervisor. I was told the supervisor would tell me the same thing. I pressed that I get connected with a supervisor. I was transferred to a voicemail box instead of a person.
While waiting for the returned call, I called XXXX to see if any of the releases were received yet. Again, I was told no. I asked them to do a conference call with me with XXXX and they refused. I was told to call back tomorrow morning to try again.
Through this process, I have been lied to from all parties. I have apparently only dealt with people who are unable to complete their job properly. I have been given the run around.
I understand I did have payment problems that caused this initially. I own that. I have owned that in every conversation Ive had. But all three companies are being deceptive and provided unfair treatment as I have tried to resolve this issue.
I managed to learn the city in which the car will be, which is over 4 hours away. And their hours on Fridays are only 9-1. So even IF I can get somebody to respond and acknowledge I fulfilled my obligation, the car will sit at least the three more days.
At this point, I feel they are purposely trying to make this process go fully through auction instead of helping me resolve this. Going in, I knew there would be daily storage fees and Im sure a tow fee. But, now there are unnecessary transport fees that should not have occurred. There are going to be at least 3 more days of storage fees that should have been avoidable. And I see no way to even dispute this because NONE of the parties take responsibility to help or follow through.
This process is deceptive and unfair to the consumer. I was clear with XXXX that I intended to redeem the vehicle. Yet they either accelerated the process to go to auction our willingly allow their vendors to make these calculated moves to increase the fees I will be required to pay.
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
After months of trying to make arrangements for the upcoming months during this Cov-19 pandemic ... Kia Finance did NOTHING to assist my problem of facing complete business closure without a car. Not being able to continue paying for this car was not something I could have imagined. I asked for refinancing at a lower rate and a 3 payment delay like many other companies were doing. That would have given me a chance to secure other means of employment and finance. I was told no they do not refinance. In my report there was claim of late payments Not true! There were NO late payments as they reported. Before the money ran out I said to them, please, I would have to turn the car in.. Even though they did not budge I continued to pay the payment out of the business account hoping they would change their mind, talking with them and nothing! This was XXXX, XXXX and XXXX payments. Then the account was depleted. I was told they would send me the form over the computer, it took multiple calls and different people to get this done. They were rude when I continued to tell them my financial situation had not changed but continued to get worse. Now after three months of shutdown and not one contract, me being high risk because of underlying conditions I did not see a light at the end of the tunnel and now there would be no more payments. I was closing the bank account because they charged monthly fees as well. These conversations with Kia began very early in the pandemic. I had many, many conversations with this company because I began calling once a week. The amount my credit points decreased is unheard of. From XXXX points to XXXX! with just one issue? An issue no one could control, even today as I write to you its still a problem. ( Fact and story ) a young lady I know recently filed bankruptcy a foreclosure and multiple repossessions, credit cards and loans were all sited. Should be devastating on her credit report. Nope. ( Fact ) My record shows I managed my finances perfectly. Not one late payment on credit cards, mortgage or car. One issue.. very devastating on my report! I find this has got to be racially motivated. Why? That person I spoke of is my XXXX friend. She filed bankruptcy 2 months ago. Left her house in PA, cars and credit card. Her score went down 90 points. Over 300k in bills unpaid she walked away from. Who determines the numbers the credit reports drop or increase.
Kia purposely sought to destroy me because I did not allow them to bully me with their threats. They outright lied on my credit report and told me that they would make my credit report go down considerably when they report it to the credit bureau. Its wrong but no one has ever questioned these companys motives or integrity and they ruin peoples lives. No one has seemed to care about those destroyed by them and we lie down and take it .. until now! So my question is What do I need to do? What is my next step and the ones after that? I will continue this fight until my numbers are changed and back up on my credit report. We have suffered twice and it will affect us the rest of our lives. Mentally, physically and financially. Why add another pandemic to our problems with racially. At what point will we be treated fairly in the credibility status. Allowing Kia to do this without a thought shows how bad systemic racism is. We did not start this virus, yet we have suffered the hardest impact from it. Ive mourned the loss of family and friends. Until Kia Finance and others are sited for their immortality we remain in the poverty status and will never be able to overcome it. Thank you for your time and I pray you will contact me soon.
|
| 09/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I leased a car through Hyundai Motor Finance. On XXXX XXXX, I paid off my car in full.
After getting email confirmation that they had received my final payment, I called to ask when I would receive my title ; the agent I spoke with said it would arrive in 7-10 business days. He didn't mention anything about documents they would need for this to happen. Then I received an email asking me to e-sign an odometer statement, which I did.
I then got an email confirming that I signed. When my title didn't arrive after 10 days, I called them again and this time they said they hadn't received my odometer statement, nor a signed bill of sale. No one had mentioned that, I didn't have one and th eperson I spoke to had no information for me about how to get one -she just repeated that I needed to return it. I tried calling again and got an agent who said they would send one via the US mail.She told me I could fax both documents. It came a week later, I filled it out and faxed both docs to them. No title came. I called again and they said they hadn't received the fax ( my fax machine prints a page letting me know a fax had gone through and this one did. I actually faxed it twice to include a cover page just to make sure it wasn't in some way identified ). I asked to speak to a supervisor and the woman who I then spoke to said I could e-mail it and she gave me an email address. I sent it right away, with a message asking them to reply with confirmation they'd received it. No reply. I waited 7 days and then called again. The agent I spoke to said they had not received my documents. She put me on hold for a supervisor and after being on hold 15 min. I hung up and tried again. The agent I got this time told me they had received my odometer statement on XX/XX/XXXX ( my email from them was on XX/XX/XXXX ) but didn't have the bill of sale. This time, I was on hold for a supervisor for 20 minutes and spoke to someone who said neither document was there. I told her I had emailed them and while on hold had forwarded my initial email to the same address, again asking for confirmation. She put me on hold and then told me the " inbox group '' had my email but couldn't download the documents because of server problems ( if the server works to receive emails, not sure how it then can't work to download a doc ). She told me that when they could download the docs, they would post the documents to my file ( which I have no access to ) and my title would arrive 7-10 days later.
While on hold I checked out the XXXX XXXX XXXX to see if there was any information about the company and I discovered 200+ posts by people who also had no luck getting their titles - people trying for several months, even. Everything the agents told me they had told others - server problems, docs not submitted despite evidence of submitting them, etc. This company has NO CONTACT INFO for any dept - no complaint dept, no direct line to the title dept. Every dept posts the customer service number as a means of contact and customer service agents say they can only email other departments- they can't call them to get information. No legal dept is listed on any website I could find, so if I wanted to sue them for my title, not sure how I would be able to. I can't believe it is legal to take payment for a vehicle but not then send the title. In Massachusetts, I can do nothing with my car without the title- I can't sell it, and if by chance I miss the deadline to renew my registration, I can't re-register it. My car is an object of value if, and only if, I have title to it. So : they have taken my money but have not given me ownership of my car.
|
| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX ( my phone number is XXXX ). My car 's VIN number is XXXX. My Hyundai Motor Finance account is XXXX My lease account is with Hyundai Motor Finance. On XXXX XX/XX/2023, there was a cheque payment of {$2900.00} received by Hyundai Motor Finance towards my account, this came from the refund cheque of the extended warranty which I cancelled. I was told by many customer representatives that this amount will be applied towards the principal ( aka capitalized cost for a leased vehicle ). However, a few days later, I checked my online account and was surprised that an amount of {$750.00} was deducted from the {$2900.00} for the XXXX payment ( which is not even due, it is only due on XXXX ). On XXXX XX/XX/2023, I called the Hyundai Motor Finance hotline again, speaking to a lady ( let 's call her the 1st lady ) & asking her why {$2900.00} was not applied to my principal/capitalized cost but deducted towards my XXXX payment though it was not due date. She told me she submitted the request to reverse the payment of {$750.00} and apply the full amount of {$2900.00} towards my principal. However, after she submitted that request, she realized my account is a lease account and she told me for a lease account, there is no principal (??? ) and no interest (??? ), while I tried to ask more questions, the call was cut off. I had no choice but to call again and spoke to another lady ( her name is XXXX ), XXXX told me the amount of {$2900.00} will not be applied to the principal ( because mine is a lease account ) and the amount will stay as a credit to offset monthly payment when it is due. I told XXXX that I am about to pay off, the only thing that holds me back is because those representatives who spoke to me previously told me to wait till the amount of {$2900.00} was cleared and applied to the principal. I waited and waited and now you told me there is no such thing as applying for a payment towards principal for a lease account ( how frustrating it was! ). XXXX finally offered a solution that she would submit a request to refund the balance of {$2200.00} ( which is the result of {$2900.00} minus XXXX payment {$750.00} ). It was still not fair to me because I should have received the full refund of {$2900.00} if I do the payoff before XX/XX/XXXX. But I was so exhausted and I did not want to complicate things further, so I agreed to XXXX 's solution.
After the call with XXXX, I realized the 1st lady whom I spoke to before XXXX also submitted a request ( to apply {$2900.00} towards principal though she realized it was wrong after submission ), so which request will be effective? I called back but it was after working hours so I have to wait till next Monday.
Today ( Monday, XXXX XX/XX/2023 ), I woke up early and called the Hyundai Motor Finance hotline multiple times and spoke to multiple people because every call connected was cut off halfway through the conversation. I just want to know which request will be processed by the Payment team. The request to apply {$2900.00} towards the principal submitted by the 1st lady should be invalid and cancelled. Only the request for refund of {$2200.00} put up by XXXX should be processed. None of the almost 10 people I spoke to today can give me a clear and helpful solution. Either the line was cut off or they told different things with each call, which was so exhausting and frustrating.
XXXX I put up a humble request that a capable, understanding staff who actually works in the XXXX office with a direct phone line help me resolve this please? I was a happy customer and now I am a very desperate & helpless customer.
|
| 01/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I leased a XXXX XXXX XXXX on XX/XX/XXXX through Hyundai Capital. As a consumer, I have the option to buy out my lease during my lease term ; this amount should be roughly equal to the residual amount of the vehicle plus the payments that I still owe and whatever their dictated purchase fee is ( I believe it was {$400.00} on my lease ). I leased this car knowing I was able to exercise my right to buy this car.
As of XX/XX/XXXX, the provided quote from Hyundai Capital to purchase this car was {$13000.00}. This is the amount that if I were to pay them on that date, the car would be fully mine. It would make them whole because it would satisfy our agreed upon value of the vehicle accounting for all of the payments I have made over the last 2 years. When we both signed the lease, we agreed that the value of the vehicle plus all fees was {$21000.00}. I put a down payment down of {$4100.00} and have been making monthly payments towards this car every single month since - over the last 2 years. I have paid over {$10000.00} towards this vehicle ; again, this was fully with the understanding that these payments would apply towards my lease balance. Therefore, it made sense that my buyout quote of {$13000.00} would fully satisfy any obligation I owed to Hyundai Capital for the car.
Unfortunately, the car was involved in a total loss incident in XXXX. My insurance company, XXXX, was going to cut a check to Hyundai Capital for the remaining balance I owed them. As of XX/XX/XXXX, I owed them {$13000.00}. Somehow, on XX/XX/XXXX - 3 days later - Hyundai Capital sent a letter to XXXX saying the required proceeds for the vehicle was {$19000.00}! There was a difference in the proceeds owed of {$6600.00} over the course of 3 days. The $ XXXX I paid suddenly meant nothing. If I had any idea they would try to take advantage of the accident, I would have paid Hyundai Capital the {$13000.00} myself on XX/XX/XXXX!
I intended on keeping this car if it had not been involved in the accident. The accident was a very unfortunate circumstance and this just added extra stress on top of it. I fully believed XXXX was going to pay XXXX the {$13000.00} and that the remainder of the settlement would go to me, the consumer. The amount that I put down when I had to purchase a new vehicle was fully with that number in mind ; I never imagined Hyundai Capital would try to take advantage of the situation and throw out a number that was {$5000.00} greater than my buyout quote simply because the vehicle was involved in a loss. Again, the $ XXXX that I put into this car during our contract completely vanished.
Hyundai Capital may say that - buried in the footnotes of my lease agreement- they are entitled to all insurance proceeds for physical damage to the vehicle ; that the amount I actually owe under this lease doesnt mean anything. However, I am trying to understand how this isnt just a money grab by a greedy corporation. Why do they all of a sudden need {$19000.00}? Are they not just trying to take advantage of an insurance claim? If I knew this would happen, I would have paid them directly and they wouldnt be any the wiser that physical damage had even occurred to the vehicle. I had NO IDEA that - because the check was coming from XXXX - that the amount owed would suddenly be different. I am the one that had to purchase a new vehicle in order to replace the one that I had. All of my equity I had in this vehicle was suddenly gone.
Ultimately, I feel like Hyundai Capital stole {$6600.00} from me. This represents a complete lack of transparency to the consumer and is - quite frankly - extremely predatory.
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| 02/27/2020 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Please review summary of events below : - Completed 36 mo. lease with KIA Motor Finance on XX/XX/XXXX.
- All monthly installments paid timely and in full.
- Per KIA lease agreement ; a final bill with termination fee & wear / use charge should have been generated and billed to me.
- NO billing nor any other form of notice was ever emailed nor mailed to me ( I have never accepted paperless billing ).
- XX/XX/XXXX : I notice very steep drop in my 800+ credit score to mid 600s - It is verified that the issue is caused by a derogatory filing made by KIA against my personal credit for non-payment past due over 90 days.
- THIS IS THE ONLY NEGATIVE ENTRY IN MY ENTIRE CREDIT HISTORY.
- KIA is contacted about issue on XX/XX/XXXX and a copy of the bill is requested for review and processing by my accounting dept..
- I am told bill is {$490.00} corresponding to : {$400.00} - Termination Fee + {$55.00} - Wear charges + Late fee. I request bill be sent by email and USPS for processing and payment.
- NO billing is sent by KIA by either means so on XX/XX/XXXX they are contacted again about the same issue.
- Service rep is advised of my prior call of XX/XX/XXXX and my request for billing. She is also given name of the service rep. whom I originally spoke with to see why no billing was provided on that date. She verifies that the service rep I spoke with on XX/XX/XXXX DID request my bill from another dept. at KIA and that to date they had not answered this request ; reason for which billing continues to be unavailable and was not sent.
- The service rep explains that the original charges of the pending bill were generated " upon sale of my leased vehicle on XX/XX/XXXX '', but that in fact no billing had been sent to me.
- In an effort to assist, the service rep. agrees to formulate an email letter ( attached ) confirming amount due of {$490.00} and include copy of wear / use report which supports charge of {$55.00} for minor scratches. The letter and report are emailed to me whilst on the phone with service rep..
- Full payment is processed electronically on XX/XX/XXXX and email to KIA is sent requesting acknowledgement of receipt of payment and that corrective action be taken for their filing against my credit ... ..No response is received to date.
- Certified letter is sent to KIA with confirmation of payment and requisition for corrective actions.
IMPORTANT NOTE : Per KIA ; all conversations sustained with service reps are recorded and will therefore serve to fully support my points. Other statements made by the service rep will also confirm that they sent never sent billing ... etc ...
Evidently, the internal procedures and dysfunctional inter-departmental workings at KIA have placed me in a position of involuntary default with respect to the payment of an obligation of which they STILL have not duly notified me. However, they were very efficient at filing a derogatory claim against my personal credit which average score was 800+ until this event ( credit chart attached ).
To make matters worse ; I am currently up for evaluation of my personal credit line with one of my banks and this KIA event will result in significant damage to me personally. KIA 's actions have been totally unilateral, extremely prejudicial to me and have severely damaged my personal credit record which I guard fiercely.
I am at a loss as to what actions I may take to oblige KIA to take corrective actions and recuperate my prior excellent credit score. I can not assume that it is legal for a company to create damages to client as a result of their internal business practices.
Thank you.
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| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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DESCRIPTION OF COMPLAINT : I am financing a car, Kia XXXX XXXX. I pay $ XXXXmth on payments. My last payment was XX/XX/XXXX. I have XXXX payments remaining to pay off loan from the XXXX. For 6 months, I am being denied ability to register my car in my state of New Mexico due to the neglect and actions of my car dealer named " Kia Finance America '' and/or state agency named " XXXX XXXX '' . I am reporting this complaint and report my property rights are being infringed. The car dealer as XXXX has bad business and deceptive practices. They continually fail to fulfill their obligations in providing the necessary documentations to allow my registration in New Mexico from Oklahoma. The issues preventing my registration is the need for the correction of the lien holder name and address on the title for Kia has changed that business information since XX/XX/XXXX. Also there is the need for a duplicate title request from them. Some how, The original title was lost due to the state of Oklahoma 's attempt to mailing the title to me. They mailed it to the wrong resident home address that I no longer lived at during that time they mailed it. I am not certain how all that occured, why, or remember for it was 2 years ago. I talked to Kia XXXX for duplicate title request several times and I have talked to supervisors and multiple actions being said resolution has been escalate to higher management to help register my car in my current state. They fail and mislead that they have processed the resolution every month for the last 6 months. Their promises are untrue and delinquent and they fail to take proper action to get my car registered in New Mexico. Now, I no longer am able to register my vehicle and seek immediate help. I have been floating on multiple 30 day temporary registration as a single paper and have had threats of car being towed with no plates for so long. I am XXXX on XXXX XXXX XXXX and need my vehicle. I have done all I can in vehicle registration procedures and my title and registration is being held hostage this way. I already have had past notices of car being taken and towed and a law enforcement citation warning of having no plates on my car. My XXXXr has caused these problems in trying to keep my my property that I have taken a large loan for. This is not right and bad business.
WHAT ACTION WILL RESOLVE PROBLEM : First, Kia XXXX needs to correct XXXX name and address on title because Kia changed that business information since XX/XX/XXXX. View Corrections needed.
INCORRECT : XXXX Kia Finance XXXX XXXX XXXX XXXX, GA XXXX CORRECT : Kia Finance America XXXX XXXX XXXX XXXX XXXX, TX XXXX Second, XXXX needs to request a Duplicate by filing out the Form 701-7 of XXXX XXXX. XXXX XXXXXXXX XXXX at XXXX [ Note : The " XXXX XXXX XXXX '' has strict rules to follow requiring Power of Attorney for documentation corrections. ] The XXXX should then be transfer to below location.
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NM XXXX That is agency I am currently working with in XXXX New Mexico Note : Oklahoma lost original title by wrong attempt to send it to me and mailed it to a wrong residential address and I did not live there at time. I moved long before and the very last time I had physical plates was in Michigan. Therefore, I do not know exactly how this extraneous situation had happened or how original title became lost or why they were trying to mailing title to me in the first place. It has been two years since I lived in Oklahoma to remember why. Please help register my car an resolve this issue it has gone to far out of order.
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| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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As the consumer, whom Hyundai Motor ; Hyundai Capital America greatly benefited from because they securitized my auto contract unbeknownst to me, I have also experienced the horrors, mental and emotional frustration, as well as the embarrassment, pain, and sheer frustration of having my rights consistently violated under The Fair Credit Reporting Act. 15 U.S.C. 1681 et seq. protects my personal financial information collected by consumer reporting agencies, limiting those who can access such information, and the process by which consumers should be able to obtain and correct the information collected about themselves. Also, Hyundai 's implementing Regulation V, 12 C.F.R. pt. 1022 ( known as the Furnisher Rule ) and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ).
Creditor account name inconsistencies have been misrepresenting and misleading in appearance presenting the false perception, that I have defaulted on XXXX car XXXX loans around the same period. This has hindered and prevented me from obtaining reasonable, good faith from creditors to finance the necessary transportation needed, since I completed the settlement payment on XX/XX/XXXX, due to the inconsistent creditor account names reported accurately across all reporting bureaus. ( XXXX - Kia Motor Finance, XXXX - Hyundai Motor, XXXX - Hyundai Motor Finance ) The account status of the charge-off is inaccurate due to me and the co-signer receiving a XXXX to file. The settlement payment, which was reported and filed as income, was made on XX/XX/XXXX. I requested through the 'collection agency company to have the status updated to paid, if not able to delete the reporting of the income. They stated that it was not up to them, and XXXX had to not only agree to the payment amount, but they would advise them on if the collection agency could make my request of delete the account, or paid status. Hyundai Motor Finance has since added, or as they would like to believe, 'updated ', the information that they have been consistently and inaccurately reporting for just shy of XXXX XXXX on the XXXX of this month. Not to mention the most recent opportunities to make all required changes, even dating back from XX/XX/XXXX, when the CFPB announced their findings and penalized Hyundai Motor for, " repeatedly provided XXXX credit report information about consumer payments on loans and leases that Hyundai purchased and serviced. In XXXX cases, Hyundai knew it was providing inaccurate information and failed to take reasonable measures to address the inaccuracies. Hyundai identified XXXX of the issues causing these XXXX in its internal audits, but still took XXXX to address the problems. '' - CFPB XXXX XXXX - XX/XX/XXXX. Delinquency first reported XXXX and XXXX are, ( XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - No Date Listed ). Late payment reported inconsistencies and XXXX are, ( XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Account balance XXXX and XXXX are, ( XXXX- {$3400.00}, XXXX- {$7200.00}, XXXX - XXXX balance showing ). Last reporting date XXXX and XXXX are, ( XXXX - XX/XX/XXXX, XXXX - XXXX Date Listed, XXXX - XX/XX/XXXX ).
Also, what responsibilities and most importantly, accountability do the credit reporting agencies, XXXX, XXXX, and XXXX, play in the consumers right to fair, consistent, and accurate reporting, having known how long this was going on. What controls or assessments, as agencies responsible for compiling and recording this information, are being implemented to ensure furnishers are providing the best and most accurate information?
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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I hereby dispute the current balance for a missing payment on XX/XX/2023 of {$2900.00} not applied to Account Number : XXXX with Hyundai Motor Finance ( HMF ). A payment was made of {$2900.00} on XX/XX/2023, intending to continue with monthly payments when due for XXXX XXXX monthly on a XXXX installment basis, as I have been doing consistently without any late or missed payments. However, upon reviewing your response to my complaint, I noted several discrepancies that warrant clarification. I believe that a payment made on XX/XX/2023 in the amount of {$2900.00} has not been properly applied to my account. I am deeply concerned about the accuracy of the reported balance and the potential impact on my credit history. I request your immediate attention to rectify this situation. I am deeply concerned about the accuracy of the account balance, particularly in light of my consistent payment history. I have never missed a payment and have always paid on time. I have also raised issues regarding the handling of insurance proceeds from my totaled vehicle. I kindly request that you address my concerns and provide me with a comprehensive breakdown of the calculations that led to the reported remaining balance on my account. Additionally, I urge you to update my credit reports immediately to reflect any errors that may have occurred. In your response, you mentioned that a settlement payment of {$23000.00} was received from XXXX XXXX on XX/XX/2023 and applied to my account balance. Additionally, you state that refunds for ancillary product cancellations and other account credits totaling {$3500.00} were applied, leaving a balance of {$3800.00}. I have not received detailed information about these transactions, and I am concerned that they have been inaccurately calculated or applied. Furthermore, I was surprised to learn that my insurance company, XXXX XXXX, profited from the sale of my totaled vehicle without my knowledge. If such a profit was generated, I would expect that it should have been applied to my remaining account balance. As you mentioned, you have no affiliation with XXXX XXXX and may not be aware of the details regarding their handling of the sale. However, I believe it is important for me to understand how the proceeds from my totaled vehicle were utilized. I kindly request that you provide me with the following information : A detailed breakdown of all transactions applied to my account since the payment was made on XX/XX/2023, including the settlement payment from XXXX XXXX, refunds, and any other relevant credits. An explanation of how the remaining balance of {$3800.00} was calculated after these transactions were applied.
Any documentation related to the sale of my totaled vehicle by XXXX XXXX, including any profits generated from the sale. Additionally, I request that my credit reports be promptly updated to reflect any corrections that may be necessary based on the outcome of your review, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under : Section 611 - Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], Section 623 - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ). It is important to me that my credit history accurately reflects my impeccable payment history and financial standing. I appreciate your attention to this matter and look forward to receiving a timely response. Please provide the requested information within 30 days from the date of this letter, as stipulated by the FCRA. Thank you for your prompt assistance in resolving this dispute.
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| 12/08/2016 |
Yes |
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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|
Web |
Older American |
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I signed paperwork on XX/XX/XXXX, to lease a car from a XXXX Hyundai dealership. When I filled out the paperwork, I was required to list my home address and I listed my PO Box as my mailing address which is an entirely different zip code than my home address and both are listed on the lease. I do not receive mail at my address as I do not have a mailbox at my residence. I have never received a bill from Hyundai and assumed that it was part of a payment delay promo for the first three months. This was a promo that they had going on at the time.
My car was repossessed last night on XX/XX/XXXX. I never received a phone message, written notice, email or any communication notifying me of the correct amount of my lease payment, the due date, missed payment, etc. When I called the police department they told me that my car had been towed. I contacted the Hyundai Collections Department and I was told that sending a bill is a courtesy, not a requirement. They sent the bill to the wrong address. I never even received the first bill with account information, options to pay, correct due date, etc. The collection office said that they do n't use email nor are they allowed to leave a message on my cell phone according to CA law. Is this correct?
This is my second lease with Hyundai and I no history of late or missed payments and in fact, one rep I spoke to confirmed that they have my correct mailing address ( the PO Box ) on file. None of my information has changed over the last 5 years. One rep said that according to what is listed on my lease agreement, the bill was mailed to my home address. The amount of the debt owed that I was quoted is more than {$300.00} higher than what my total outstanding payments should be and I was told this included additional fees that I am responsible for even though they erred in sending me a valid bill. I was told that I am responsible for the towing and impound fees also.
During my numerous conversations with several reps I was not provided with a written verification of the debt, not was I told how I might dispute the debt. It has already been reported on my credit report as a late payment ( I have never had one on any account ) and they told me that it will be reported as an auto repossession on my credit, making it impossible for me to purchase a vehicle in the near future and severely damaging my credit.
I want to get my vehicle returned. Am I responsible for additional fees? Towing, damage to my vehicle as a result of the tow? Is this lawful? Is the creditor required to send me an accurate bill? What are my rights for notification? How can I be late on a bill I never received and the creditor acknowledges that I never received written notice?
One representative named XXXX also hung up on me when she could hear my daughter speaking in the background, giving me information and when I called back accused me of lying about my identity. She told me that I had to report to the nearest Hyundai dealership to verify my identity and said she would not speak to me. Not until I asked that she listen to the recording did she confirm that I was the person I said I was. There were no supervisors at all present today, I was informed when I asked for one.
I was told I have to pay the entire amount with a debit card that includes the collection fees in order to release my car. After spending over five hours trying to resolve this and paying the amount, the impound company is closed and I will have to pay another day of impound fees. What is my recourse? Can they seize property without any kind of written notice of debt?
|
| 04/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I purchased a vehicle from XXXX Kia in AZ in XXXX XXXX. They advised us that we qualified for their " Holidays on Us '' program. We signed the " Holidays on Us '' contract showing our first payment would be due on XXXX XXXX, XXXX. XXXX XXXX, I got a notification that our XXXX payment was due. I called XXXX XXXX at the dealership who advised that I call Kia Motors Finance because once they finish on their end they send everything to KMF. Finance then told me to call the dealership as well as they would work on it and get management involved. After calling several more times, on XXXX XXXX, XXXX, Kia Finance told me they did n't have anything on record regarding this program. I faxed in the contract I had and called the following day and verified receipt. I was advised that it was now in payment processing to be paid and would show in XXXX hours and to keep checking online. Checking online is all I 've done for the last two months! After multiple calls to finance and receiving the same status through XX/XX/XXXX, I started receiving collection calls at home and at work ( I just returned to work from a medical leave and having XXXX! ) Multiple collectors told me as well that this is something the dealership had to pay it but they would get management involved. XX/XX/XXXX I called XXXX at the dealership again and she stated that it is with, the sales rep. who handles these issues to take care of as I was not the only person this happened too. After days passing and calling XXXX multiple times throughout the month of XXXX the status never changed. We were waiting on XXXX. I then obtain XXXX 's information, all still while being harassed by collectors ALL DAY, EVERYDAY. Now into XXXX, I emailed XXXX on XXXX XXXX, XXXX with the detail and received a phone call same day. He stated that he just made sure the XXXX payment was taken care of, it has just been paid and that it would post in 48-72 hours. I inquired about my credit being taken care of and he said that they would make sure it did n't. 120 hours later ... the payment was n't even showing as pended and I 'm not only still receiving calls from collectors, but I received credit monitoring notifications advising of a 30 day delinquency now reporting on credit with Kia Motors XXXX. I emailed XXXX again multiple times advising of the status and carbon copied the dealership manager, XXXX XXXX, XXXX XXXX and our salesman XXXX XXXX. It has now been TWO months of me trying to get this resolved and now no responses via email. How much time do I let pass? I should not have depended on them as I did n't expect and realizing all this time would pass while getting the run around. I trusted every person I talked too. I should have just made the payment but feared they would n't then pay XXXX as is it is not part of the contract. If I make a payment it will go towards XXXX and XXXX is now close to being 30 days late. I paid a large deductible for a XXXX and was okay being out of work for a few months because I knew I would not have a car payment until XXXX. I was recovering for XXXX and focused on fixing this issue. This is not customer service but even more importantly the contract is not being upheld. Now my credit is affected!!!! This needs to be fixed! I left called and left a message for XXXX and XXXX due to my last XXXX emails not being responded to by any of the recipients listed above including XXXX, so I called the dealership manager, XXXX XXXX. He told the receptionist to have me email him. Really? This is unbelievable! I 'm starting to wonder if an attorney is the best route.
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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My name is XXXX XXXX and I am the Primary borrow for this account # XXXX with Hyundai Motor Finance ( Auto Loan ). XXXX XXXX is the Co-borrower and makes the payments on the account because she is the driver and owner. I am writing this complaint regarding a late payment reported to all XXXX credit Bureaus for my Hyundai Motor Finance Account. It was reported to the Credit Bureaus 30 days late as of XX/XX/XXXX.
In my defense, I didnt have any knowledge that this account had fallen past due. Hyundai Motor Finance was not calling ME nor sending ME statements in the mail. Nor was I receiving any collections letters in the mail. If I had known, I would have stepped in and paid it immediately and this account would have never been reported late on my Credit Report. Please note once again I was not aware of any delinquency! I only found out that the account was late once it hit my Credit Report at which time it was too late!! Once I learned of the late payment on my Credit report, I immediately contacted Hyundai Motor Finance on XX/XX/XXXX. One of their Representatives had stated that unbeknownst to me, and without my permission I was placed on a Partial Do not Call. It was also stated by one of the Representatives that my contact information was not visible that either it was blocked, unavailable or not listed on the Account. And that only the Co-borrowers ( XXXX XXXX ) information was visible. I advised the Representative that I am the Primary borrower, and I should ALWAYS be contacted and sent statements in the mail. The Representative agreed and then updated the Account to make sure my address and contact information is reflected. so that going forward I would receive phone calls and statements in the mail. I also set-up Automatic Payments as well to make sure this account is never late. My biggest complaint that is that they should have never put me on " Do Not Call '' I never requested that or told them to do that at all. This was done without my knowledge. And, the fact that because of that I get burned because I assumed the Account was in good standing because I wasn't informed otherwise. As a Consumer I have rights as a borrower, I should have been informed and because I'm the Primary Borrower I'm the most important person on the LOAN and no matter what I should ALWAYS be contacted.
Please note the following per Fair Debt Collection Practices Act : As of XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back.
If the collector gets a notice that the letter or message was undeliverable, the collector can't report the debt to the credit reporting agencies unless it achieves communication as detailed above. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ).
I believe this is unfair to me that the Account was reported late to the Credit Bureau without my knowledge and I didn't learn of the delinquency until it appeared on my Credit Report. This has cause me Grief and Anxiety. I have good to excellent Credit and because of this my credit score dropped XXXX points. I'm so upset how my Account was handled with HYUNDAI MOTOR FINANCE.
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I purchased my XXXX XXXX XXXX on XX/XX/XXXX and paid off the entire remaining balance of {$10000.00}. They company sent out the title on XX/XX/XXXX and I received in a week or so later.
When I finally received, they improperly filed my information. They did not relinquish all rights to any refund due for personal property taxes and /or registration fees paid to Kansas XXXX me.
I should be getting a pretty large refund and have spend the last 5 months following up. After numerous calls and hours on the phone, talking to multiple reps and supervisors, they all claim I can not contact finance directly and the issue isn't resolved.
Timeline is below, I don't know what else to do. They have been withholding this information, nothing has helped. Hyundai Motor Finance has been an absolute nightmare to deal with. I also spend hours getting my title information when I moved states. They are a shameful company and I wish I never worked with them.
XXXX : Decided to buy out lease. Paid off vehicle on XX/XX/XXXX for {$10.00}, XXXX. Followed up with company to get title after this call, as the rep I spoke to improperly recorded my payout in my account according to the second rep I spoke with. XX/XX/XXXX they finally released the lien on my vehicle and sent out title.
XXXX : Went to the DMV with new title, submitted to get a new license plate. Ran into issues when I was issued my new plate, but could not get my refund, they explained HMF filed the ownership of my vehicle improperly. HMF needed to authorize a release form to provide me back the refund I am owed by Kansas. Called HMF, explained that I had a Request for Refund Release Form provided to me from my local XXXX KS DMV. Explained the directions the DMV had given me and confirmed this was the correct address to send the form, how to title it, etc. Representative confirmed. Sent in form, was told it can take several weeks to process.
XXXX : Waited for follow-up from HMF or DMV, nothing. Called for any updates and were told there were none.
XXXX : Called HMF and spoke to another representative who said my form must have gotten lost in the mail. This has very personal information on it, I was very alarmed, she sounded like this happens all the time. Asked for an email so I can track progress. Sent email to XXXX on XX/XX/XXXX.
XXXX : Continued to follow up with Hyundai about 8 times from XXXX and XXXX to XXXX. At one point was told they had my information and had forgotten to mark it for next steps, so it was just sitting in my account. I asked to speak to two supervisors, talk directly with finance ( was told I can't ) and asked for specific action steps and a timeline. Was not given one.
XXXX : XX/XX/XXXX, called local DMV again to see if the information had been faxed over. It has not. Called HMF and explained the entire scenario ( again ). Rep said she would check on things. Put me on hold. 30 minutes later someone else picked up and I had to start all over again ( she hadn't put me on hold properly ). The second rep transferred me to another " supervisor '' ( the third one I've spoken with in the last few months ). This supervisor said that on XX/XX/XXXX, my form was internally forwarded to an unknown party ( couldn't see who or what department ) since it was originally forwarded to the wrong department after my last call. There has been no action on the account since.
If it weren't for following up, my form would still have just never been received or worked on. The processes that this company has in place are horrible.
|
| 11/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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XX/XX/XXXX : Tried to pay off car in total with Hyundai Motor Finance. Was not allowed to pay off car online so I had to call customer service do it over the phone. Was verbally given a payoff amount by Hyundai Motor Finance and paid amount off over the phone ( this phone call was recorded although Hyundai Motor Finance will not set the record straight here ). There was a fee to do this over the phone even though I had no other payment option. I paid the money and the fee because I had no other option to pay.
XXXX XXXX : Saw I still had outstanding balance to pay on the account i was trying to close. I called Hyundai to ask what the issue was. They said I did not pay off the car in total -- I asked how that happened even though the HMF representative gave me one amount over the phone. I said I did not create this issue, but that the customer service dept ( who said they were first with Kia Motors instead of Hyundai Motor Finance ) is giving me conflicting numbers. I asked for the issue to be escalated but they did not escalate issue and instead told me to call back in two days to let the software work out its kinks.
XX/XX/XXXX : Tried to pay off car online, but couldnt. They wanted me to call customer service. I called customer service, but they were closed over the weekend, all while my car was still collecting interest.
XX/XX/XXXX : I called customer service and provided account of how I am trying to pay my car off. The calls were all recorded for " quality assurance purposes. '' This was a quality assurance issue because their staff is giving me conflicting payoff amount numbers, accounts, and details regarding the status of my car I am trying to pay off. The call got escalated and I asked for them to find a recording of the XX/XX/XXXX conversation to confirm I was told wrong details. They would not give me any information that they had and instead just told me I was wrong. I am willing to own up to a mistake if I made one, but at this point, they kept telling me different stories and providing me different pay off amounts for different companies of a car i did not own and charging me fees to make a phone payment ( even though I have no other way to pay ). These phone calls are all recorded btw, and I wanted to confirm if the issue originated from me or customer service. They refused to validate any information and instead told me to pay.
So later today ( XX/XX/15 ), I went through automated service to pay, and a customer service rep gave me yet another wrong payoff amount, and I asked for a corrected number. I made this payment because I dont want debt collectors to come after me for a payment I never needed to make. This would hurt my credit score. I asked for the fee to be waived and they waived it for what I hope is my final car payment. Overall, I think Hyundai Motor Finance might be employing shady business practices : Hyundai Motor Finance customer service reps and contractors kept giving me different and conflicting information, charging me fees for payment options I had no choice in determining, collecting interest on a car that I was trying to pay off but they wouldn't give me an online payment option even though I've been using that service with them for years. I was asking for transparency and information that could help me understand why I was being pushed through a labyrinth of incompetency, and they would not help provide any of the information they had on file and had informed me they had on file.
I wonder if this is an experience others have shared.
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Older American |
|
Apparently in XXXX, XXXX XXXX, XXXX picked up a change of address for a local move in XXXX XXXX, MO. The move triggered an alert for Hyundai to check the Department of Revenue in XXXX XXXX XXXX, MO. Hyundai charged me {$630.00} for personal property tax, that they allegedly paid. My XXXX bill showed a balance of XXXX due. I did not receive a notice nor did I receive a bill for personal property tax from the XXXX XXXX Department of Revenue. On XX/XX/XXXX, I spoke directly to an agent for the MO department of Revenue. She stated again, there is no assessment for XXXX, nor will I be assessed in XXXX, since documentation clearly shows the car has always been titled, and licensed in Illinois, as my daughter is the primary driver of the vehicle and lives in ; has always lived in Illinois where the car is garaged. The car was never registered in the state of Missouri. The agent reached out to a 3rd party contractor who picked up the assessment based on address changes in MO, I never told Hyundai that my address and car moved to MO. They made their own inference. MO reached out to Hyundai the physical address is clearly in Illinois, so the assessment was erroneously picked up and MO was not assessing the personal property tax in XXXX either since it was clearly garaged in Illinois. I was not allowed to talk to the 3rd party contractor that created the confusion. I had faxed as requested by Hyundai an appeal for the assessment on XX/XX/XXXX, without acknowledgement from Hyundai and was told send it by fax again, which I did on XX/XX/XXXX. I was apparently notified on XX/XX/XXXX showing a new payment and delinquent bill, however, I actually received written notice on XX/XX/XXXX. Not one call was made to me, not one written or email communication was sent to me. Hyundai did call my daughter multiple times insisting she was late on her payments. The actual car payment was always paid on time and continues to be paid on the due date. Hyundai also contacted via letter to her Illinois address stated she was in arrears. My daughter is not on the lease or note and their contacting her multiple times regarding my personal business, as I am titled on the car. This violates consumer protection laws. After about 18 calls placed with customer service and actually routed to a collections department, I was never told that Hyundai was paying off the tax assessment by taking the lease payments and applying them to the outstanding erroneous assessment, now making it look like my daughter was not making her payments. I have sent payment details, Hyundai has payment details as always paid on time. I was never told that they were pulling money out of the payment, especially with an active dispute. I was not allowed to escalate my issue, I was never given the opportunity to talk to a supervisor. I finally got someone to listen to my issue. She stated to just pay the tax bill in early XXXX and asked if I had to worry about credit issues since they, I feel deceptively took money out of the lease payment and forced a 30 day late charge that i was promised would not be an issue. It was and without notice or explanation Hyundai reported to all 3 bureaus a 30 day late which plummeted my credit score by over 120 points. I was told my only recourse was to send a letter to their credit team with my write up which was sent over 2 weeks ago without a response. I sent in 7 exhibits showing every issue, every attempt to resolve and have never had an outbound call made to me or explanations.
|
| 06/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
|
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Warranty was cancelled in XXXX at the dealership XXXX XXXX in XXXX Indiana, as we were paying off the loan. Was told by dealership would have refund within 14 days from cancellation. Did not receive refund allowed a couple extra weeks called Hyundai customer service they advise that they did not receive notice that product had been canceled and to reach out to the dealership. I went back to dealership and advised that customer service says they still have not received the cancellation. Dealership advised that they sent it and will send it again. Confirmed with Hyundai on XX/XX/XXXX that they received the cancellation and to allow six to 16 business days to receive the refund.
Called back on XX/XX/XXXX was then advised that Hyundai waits 10 days to process a refund after receipt of request and they would be sending it that day and that I would have it within 30 days.
Called back on XXXX to check status as I had not received it and we were approaching the 30 days. Was advised at that time that it was still pending and that they would send a request to release if not done by XX/XX/XXXX allow up to 5 - 7 days from that date.
Called back on XX/XX/XXXX advice still pending allow a few more days. I was told that they would reach out to that department and try to get a better estimated time as the payment processing department were behind and processing request. Called back a few days later only to find out that that request had never been sent. And was assured it would be sent right now.
Called back on XXXX still pending no response from the management request to the other team and none of the representatives I talked did give any more information. Supervisor unwilling to follow up on request sent for an update and told me I just had to wait there was no one else to escalate to there was no other avenue to try Call back on XX/XX/XXXX advised still no response from the management inquiry and that the department will still behind. Advised that this was unacceptable and I wanted to speak with someone who could check on the payment process department and why they are so far behind.
I was told that I could mail in a complaint to the care team and they would review within 30 days. Only after I said that was unacceptable and asked specifically if they could contact the care team did the representative advised that she could open a ticket for the care team to investigate and it would be 3 to 5 business days and someone would contact me.
If I had not asked the specific question they would have put me off for another 30 days before having someone look into this.
XX/XX/XXXX called back again today and was advised that refund is still pending. The care team had reached out and request was being sent for management approval due to the amount of the refund and that they would update account when more info is available - still no eta on when I can expect to receive my refund.
I sold my vehicle on XX/XX/XXXX XXXX close out my account the first week of XXXX and it is now XX/XX/XXXX and I have not received a refund that I was initially told would take 14 business days. I have also been yelled at, hung up, left on hold for over 40 minutes and then disconnected and transferred to the wrong department during my many attempts to work this out.
I advised 3 weeks ago, that f I could not get more information and an estimated time frame that I would be filing a complaint with the CFPB. Well I feel I have been more than patient and thus I am filing this complaint
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
1. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXXXXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft HYUNDAI CAPITAL AMERIC Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX.
Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
9. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
10. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX.
Date of inquiry : XXXX This is not mine.
12. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
13. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
14. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
15. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
16. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
17. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
18. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
19. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
20. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
21. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
22. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
23. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
24. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
25. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
26. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
27. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
28. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
29. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
30. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
31. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
32. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
33. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
34. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
35. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
36. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
37. Identity Theft XXXX XXXX XXXX Date of inquiry XXXX XXXX This is not mine.
38. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
39. Identity Theft XXXX XXXX Date of inquiry XXXX XXXX This is not mine.
40. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
41. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
42. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
43. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
44. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
45. Identity Theft XXXX Date of inquiry : XXXXXX/XX/XXXX This is not mine.
|
| 07/27/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Hyundai Motor Finance incorrectly reported my lease payoff amount due as ~ {$1800.00} instead of the correct amount of ~ {$1300.00} ( Iterminated the lease early and wanted to pay it off ). After calling customer service, we determined that this was due to Hyundai not crediting my automatic payment of {$450.00} in XX/XX/2020 to my account ( this is when I terminated the lease ). I was instructed by the customer service agent to NOT pay the balance due until they corrected the payoff amount on their end. I called back weekly, as the balance owed did not update every time I logged into my account online. Multiple weeks passed, and I was told that representatives were putting notes on my account to ensure that my account would not get marked as past due to credit agencies while they were working on fixing the mistake ( even though when I logged in to my account it said " past due '' ). Obviously, I was concerned that this would show up on my credit report. I was told FIRMLY that it would not. After getting antsy, I went ahead and paid the balance of {$1300.00} in good faith, even though the account still stated ( incorrectly ) that I owed {$450.00}. After a few more weeks and MULTIPLE calls to customer service, the account was FINALLY updated to show that I did not owe a balance. However, that same month ( XXXX ) I got a credit report alert that I had a late payment reported. I disputed this both with Hyundai by sending a handwritten letter ( which I was told to do by a customer service representative ) and I filed a dispute with XXXX. XXXX did not find an error. So, I called Hyundai to ask how the internal dispute went, because they were the entity with my call logs and the supposed " notes '' on my account that agents told me they made. After being told the investigation was " pending '' for weeks- today, a representative at Hyundai informed me that they will not conduct an internal investigation on my behalf, even though I submitted the handwritten letter and requested one. They said that since XXXX did not say there was an error, they will not look into the matter further. I am not surprised that XXXX did not find anything, since on paper it DOES look like I paid late, however, it was only at the instruction of Hyundai customer representatives. I do not have access to my call notes or recorded calls or account notes to prove what I am saying. I can only show on my cell phone bill the number of times I've called. Hyundai owns the call log transcripts and account notes and I can't access them. The only documentation I have is my bank account in XXXX with the payment that never credited ( which is how I proved to Hyundai that they had made a mistake in the first place ). I did NOT intentionally pay my account late, and this error on my credit report for something I was TOLD TO DO BY THE COMPANY will now follow me for 7 years. I have never been more dissatisfied with a customer service department. They ruined the credit score I've spent 10+ years building with the click of a button. I was proactive and called weekly to ensure that this would not happen, in spite of insanely long wait times due to COVID. According to Hyundai no one on their end can contact their collections department and speak to them for me. So, evidently they can make changes to your credit report but, you aren't allowed to question them, speak to them, or get anyone to advocate for you from customer service. Worst experience I have ever had with a business in my entire life.
|
| 01/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX my bank ( XXXX ) mailed an automatically scheduled payment for my auto loan as they do every month, for delivery by the due date of XX/XX/XXXX. On or around XX/XX/XXXX I started receiving notices via text and/or email from XXXX that my payment had not yet been received. On XX/XX/XXXX, I sent my bank an inquiry as to the payment status, on XX/XX/XXXX I received a reply that check number XXXX was mailed on XX/XX/XXXX but had not yet been presented for payment. I was also informed that I could issue a stop payment on the check for no fee once 10 days had passed from the payment due date.
On XX/XX/XXXX, I called XXXX to let them know that the payment was in transit and was confirmed to have been sent XX/XX/XXXX. I was auto-routed to their collections department, where before I was even able to explain the situation to their representative I was asked how I would like to resolve the payment. I explained what was going on, and the representative put me on hold to look in to the account, where I was then disconnected after a few moments.
I waited a few minutes to see if the representative would call back. They did not, so I called again. Again, I was prompted for immediate payment by a representative as soon as they answered the phone. When I explained the situation, and the timetable available for me to issue a stop payment and pay online via XXXX 's website, I was informed by the representative that as long as the payment was made by XX/XX/XXXX, there would be no late fee.
On XX/XX/XXXX, I logged in to my XXXX account to see that the payment had still not been applied. Therefore, I issued a stop payment on the check with my bank and made my payment online via XXXX 's portal ( confirmation number XXXX ). I logged in periodically over the next few days to see if a late fee was applied, and by XX/XX/XXXX the original check was received, credited, and then subsequently removed as the stop payment was in effect. As of the XX/XX/XXXX, a late fee was not appearing on XXXX 's website.
Today, on XX/XX/XXXX, I logged in to update my records as to how much of my payment was applied to principal/interest etc, and noticed that a late fee was added and dated XX/XX/XXXX, and part of my last payment was applied to said late fee. I called XXXX, to which the first representative informed me that despite this late fee being of no fault of my own, they could wave this late fee but the account would not be eligible for any future fee waivers. When I explained that is not acceptable due to the fact that the payment was sent well in advance AND I had followed the instructions and time table of the representative from XX/XX/XXXX, I was told there was nothing the representative could do to allow any future late fees to be reviewed/waived if warranted. I asked to speak to a supervisor, after a few minute 's hold I was transferred to XXXX. He gave me the same response, and when I asked to be escalated further. I was transferred to another manager named XXXX, who was informed that I did not accept the fee waiver. I explained to her that that was not correct, that I expected the fee waiver to occur and that my account be noted so that if this situation occurred again in the future the opportunity to waive the fee would be available. She stated that that is not possible, and that only a single late fee waiver can be applied for the life of the loan, despite this being no fault of my own AND despite the fact that I followed the directions of their employee.
|
| 09/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I am having issues getting my vehicle transported from XXXX, HI to XXXX, IL because I need a letter from my leinholder. I have now been without my vehicle ( in which I have continued to make auto payments ) due to Kia Finance practicing in bad faith being manipulative, deceitful, and giving false information.
Matson/state of HI requires Lienholder to give letter allowing vehicle transport.
Customer Service Department ( XXXX ) is the only people I can speak to however another department reviews documentation and sends approval or denial letter for the vehicle transport XX/XX/19- Faxed all documents to XXXX XX/XX/19- Faxed all documents to XXXX *XX/XX/19- Received call from XXXX at Kia saying missing documents ( policy documents and dates for shipping ). Was given an e-mail address : XXXX XX/XX/19- E-mailed documents to XXXX *XX/XX/19 XXXX ( CS time ) XXXX Called to check status ( 31 min call ) Spoke to Manager XXXX who refused to give any other method of sending documents other than fax XXXX and e-mail XXXX I requested a call back from someone above the manager position, was told it would be about 2-3 business days.
NO CALL BACK RECIEVED XX/XX/19- E-mailed documents XXXX *XX/XX/19 XXXX ( CS time ) - Called to check status ( 65 min call ) Spoke to Manager XXXX ********** who gave alternate e-mail for documents XX/XX/19- E-mailed documents XXXX XXXX E-mailed documents XXXX. XXXX XX/XX/19 XXXX ( CS time ) - Called because I received e-mail error ( 11 min call ) XX/XX/19- Spoke to Customer Service Agent who E-mailed documents XXXX. XXXX XX/XX/19- Faxed documents to XXXX *XX/XX/19 XXXX ( CS time ) XXXX Called to check status ( 22 min call ) Spoke to Customer Service Agent XXXX said wrong e-mail previously given correct e-mail given XXXX. XXXX, stayed on the line to confirm that e-mail was received by manager. Was told documents would be sent to correct department and call back in 3 days for letter.
XX/XX/19- E-mailed documents XXXX *XX/XX/19 XXXX ( CS time ) - Called to check status ( 23 min call ) Spoke to Manager who said confirmed XXXX ********** had submitted documents to department who handles transports XX/XX/19- Received denial letter *XX/XX/19- Called to check status ( 31 min call ) Spoke to Customer Service Agent XXXX saying policy documents and dates for shipping not sent in.
I advised that Manager and CSA said that documents were received by manager. Customer Service Agent said sorry documents not uploaded to file. Spoke to XXXX XXXX who said you can wait longer resend the documents again. Spoke to XXXX XXXX who said they would have XXXX XXXX call me back, not sure why documents not uploaded into the file.
NO CALL BACK RECIEVED *XX/XX/10- Called to check status ( 48 mins ) Spoke to XXXX ( Customer Service Agent ), transferred to XXXX ( Supervisor ) and then XXXX ( Manager ) who said everyone is out of the office for the weekend. Manager sent me an e-mail with his personal e-mail address XXXX, sent documents to his personal e-mail address, copied XXXX. Confirmed on the phone with him that he received the documents and would upload into file/account. Was told to call back on Tuesday for status of letter.
XX/XX/19 @ XXXX ( CS time ) Received voicemail from Manager XXXX to call back *XX/XX/19 XXXX ( CS time ) - Called to check status Spoke to Customer Service Agent XXXX XXXX told to go to website and fill out vtc form again and resend! Requested Call back from manager.
XX/XX/19- emailed requested form to XXXX and XXXX XXXX
|
| 02/15/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
We turned our leased vehicle in after 36 months of paying every single payment on time. It was returned at the start of the pandemic so we literally dropped the vehicle off without receiving an inspection or opportunity to discuss it's value or any equity it might have. We turned it in in good condition with below average mileage. We were told we would be hearing from someone. That was XX/XX/XXXX. Several months later we received a bill for a turn-in fee. At that time I emailed HMF to see if that fee could be waived, I was not making my full salary due to the pandemic. NO RESPONSE. I reached out a second time, saying this is my second attempt to reach you regarding this matter, NO RESPONSE. My turn-in fee was sent for collection, with no regard to my email or an opportunity to pay before being sent to collection. I called and was told I could make payments to satisfy the debt was never told it would seriously impact my credit. The terms of the lease have been satisfied and debt paid. I learned about the impact it had on my credit while trying to refinance my mortgage. My score was low and nothing in my history had changed. When I researched it I found it was due to a derogatory mark on my credit from HMF. I have called many times, spoken to many agents to no avail. I have disputed it through experian and it was resolved but still reflecting on XXXX and XXXX. I did not know I'd have to dispute it across the board. I went into my dealership and the GM was on the phone with another customer with the same issue. The GM gave us the number of customer service and I have been in contact with them but getting nowhere. I was told by one agent, XXXX, it was all resolved and would be reflected on our credit XX/XX/XXXX but nothing had changed. I called again and was forwarded to an " account specialist '' XXXX who actually sounded as if she cared and was going to email someone to help get this resolved. My lender reached out and was told they don't discuss with third party companies that we would have to call ... .which I have more times than you can possible imagine. I received an email on XX/XX/XXXX saying they'd been trying to reach me at a number nowhere close to any number I would have provided and that my case was important please send new number, which I did and now 4 days later still no call or return email. I was told my the GM that the reasons my emails were not returned was because of the Pandemic, " no one was working '' so as a result I'm penalized and a negative mark in now making my credit score lower than what I need to get a good rate with no closing costs on our refinance. We were supposed to close in XXXX, now XX/XX/XXXX our 60 day lock expires and rates have since gone up. I need resolution and I need it now, this is beyond ridiculous. The customer service department is a joke. This could have and should have been resolved by now. For the number of times I called and the amount of time I have spent on hold, being transferred, and the number of agents I have spoke to should have been ample to resolve this issue but you can never speak to the same agent and your lucky if you get the same department. I have tried to reach customer service again today and get a maintenance message and then disconnected. My husband and I work very hard, we are good citizens that pay our bills, this blemish on our credit and the battle we have had trying to get it corrected is nightmare. Any help you can offer will be greatly appreciated.
|
| 03/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX Vehicle was purchased and the dealership XXXX XXXX dealership. From the start of leasing the vehicle it became an issue. I resided in XXXX explained my residence was in XXXX and instead of giving me the proper documentation. The salesman provided me with XXXX residency ignoring that I had proof of new residence so, when it came to be registering the vehicle I received a very hard time on the way I received sale of purchase. The salesman only wanted to bait me into a car as a lease instead of providing me correct information. I did complain and next thing I know I was being subjected to some sort of XXXX XXXX when turning on the car it was making me sick and it felt like some sort of XXXX XXXX or XXXX. Took the car to the dealer in XXXX several times and the company claim it was nothing they could see wrong. However, I XXXX online and founded other people experiencing similar symptoms when driving the vehicle so, it could have been someone tampering with my gas tank. By XX/XX/XXXX I returned the vehicle back to XXXX XXXX and received a voluntary lease agreement where I no longer was responsible. What they done was claim I had the vehicle until XX/XX/XXXX which is not true and placed derogatory remarks on my credit report I want removed. The company treated me discriminatory from the sale of lease. Had me driving the vehicle without proper documentation before leaving XXXX to XXXX. I contacted the DMV where I put in a complaint due to DMV in XXXX claiming someone treated me wrong due to sales on vehicle with residency in XXXX not XXXX. Now I feel the XXXX XXXX dealership is tarnishing my credit report and the amount owed to them for return voluntarily to bamboozle me out of more money than I should owe due to not having the car for a year and paying {$410.00} plus {$1500.00} from XXXX to XX/XX/XXXX. XXXX to XX/XX/XXXX the car was under the dealership who used my name and credit for 3 months I had no entitlement to vehicle and plates where surrendered back to XXXX. So who was fraudulently using my information for 90 days inside the dealership to gain and I get a derogatory credit report. My solution is the company remove the car off my credit report and solve this issue by stating car was resold and I was no longer responsible from XX/XX/XXXX. There treating me like there was no problem with the company from the beginning when, there was a problem right after lease sale. Where I could of got pulled over by trooper with no proper paper work until after I put in my complaint to receive documentation. It was like the salesman did not care as long as he got a sale and found ways after I surrendered car with no high mileage back to there company. All XXXX and I was the only XXXX being subjected to a bait sale and incorrect paperwork to go forward to register vehicle from the very beginning. Now there hindering my credit report making acts of discrimination me being XXXX XXXX who, came to just purchase not be subjected to such a negative outcome. The company gave me documents to fill out without providing information on there in to show what was happening. There scheme was too obvious and then it became mad day once I spoke up about the treatment. I took pictures to show the missing information before signature I was told it would be added after I sign for lease as policy. I had a discount for vehicle there claiming they gave me a discount no they charged me more monetary to benefit sale.
|
| 01/18/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
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I went to purchase a car at XXXX XXXX in XXXX, CA in XXXX XXXX. I was convinced to do a lease instead of purchasing the vehicle by the salesman. The salesman told me several times that I had a 45-day grace period until my first due payment. I was assured that I had this grace period before and after I signed the lease documents. Then in XXXX XXXX, I was told that I did not receive a 45- day grace period because I did not purchase the car but I leased it. The lease agreement was not eligible for the 45-day grace period. This was simple for the sales people to tell me after the fact but I was outraged because I was homeless at the time and I needed the 45-day grace period so that my car payment would be on time. I was assured then that I could catch it up later and there would be no problems. I went on to fight for the late fees to be waived since I was given the wrong information. I have been fighting since XXXX XXXX to date. KIA Motors Finance has told me that none of the late fees can be waived even though the dealership has admitted that the salesperson misled me originally when the car contract was changed from a purchase to a lease. I was homeless from XXXX XXXX to XXXX XXXX, XXXX. I have been financially hindered by my daughter 's condition from XXXX XXXX XXXX XXXX, XXXX. I had to work to get her XXXX for her condition on XXXX XXXX, XXXX and then provide home care for her will working part-time to full-time at a series of jobs that had to be approved by the XXXX benefits departments for employment so that she would be eligible for the XXXX under the XXXX program under the XXXX program. I have just started to get back up to a consistent full-time employment status and now the late fees from the situation have steadily added up since XXXX XXXX. It appears to have reached $ XXXX dollars even though I have paid {$200.00} toward the outstanding late charges and past due amount. I can not get anyone at KIA Motors Finance to talk with me about waiving the fees in this particular situation. The dealership has admitted fault and the KIA consumer affairs department has given me {$200.00} for this admission. KIA Motors Finance will not waive the fees and will not honor the admission of the dealership in wrongdoing in this situation as well they state they have nothing to do with the KIA Consumer affairs department and will not hear anything that I have to say about this situation. I want all late charges and past due charges to be waived. I want justice for my suffering from the beginning. It is not possible for me to scan in all of the documentation I have since I do not own a scanner. I have attached the most recent billing statement with all the accumulated late fees and past due charges on it. Regardless of the unfair treatment, I have continued from the beginning to pay my car payments on time from the 45-day grace period date that I was given at the time of my lease signing. I have not missed a payment even though I was homeless for three months. I have made payments when it was difficult to eat and pay the rent. For my sacrifice and many hours of talking to the dealership, KIA Consumer Affairs, and KIA Motors Finance, I have received nothing except harassment and lack of negotiation from KIA Motor Finance. I have given up. KIA Motor Finance said that there is nothing that they can do. I have gotten nowhere with them in over one year of consistent attempts and going through several supervisors.
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| 11/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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ON XX/XX/XXXX, I SAW AN ADVERTISEMENT FOR XXXX XXXX XXXX XXXX FOR {$33000.00} IN XXXX XXXX LOCATED IN XXXX XXXX, NY.
I WENT THERE THE SAME DAY WITH MY BROTHER, FIND THE SALES ASSOCIATE XXXX XXXX, FINANCE MANAGER XXXX XXXX & GM XXXX. XXXX TOLD ME THAT THEY ARE GON NA CHARGE XXXX OVER THE MSRP. WE AGREED TO $ XXXX BUT HAD TO PUT {$6800.00} TO GET THIS NUMBER AND ASKED THEM TO PROCEED WITH THE PAPERWORK.
XXXX ASKED FOR THE CO-SIGNER AFTER 3-4 HRS BCZ MY WORK NUMBER WASNT GETTING APPROVED. SO, MY MOM CO SIGNED ME.
THE NUMBERS HE GAVE ME AT THE BEGINNING WAS XXXX PER MONTH WITH XXXX DOWN. SO AFTER WASTING MY WHOLE DAY HE SAID THE BANK IS GIVING YOU XXXX PER MONTH WHICH INCLUDES THE TAXES BUT HE WAS LYING ABOUT THE TAXES. HE PUT THE HUGE XXXX FOR RENT CHARGE WHICH HE SAID THAT YOUR CREDIT IS LOW THEREFORE THE BANK WANT IT. AGAIN ITS A LIE, BANK SAID WE NEVER DO THAT.
WE SIGNED THE PAPERS WITH AGREED PRICE OF {$39000.00}, WHICH HE SAID CARRIES ALL THE TAXES AND FEES, AGAIN IT WAS A LIE. HE GAVE THIS NUMBER TO THE BANK AS THE CASH SELLING PRICE BUT ADVISED ME THE OTHERWISE.
NEXT WORKING, WHICH WAS MONDAY XX/XX/XXXX, I CALLED THE DEALERSHIP BUT XXXX WAS BUSY AND COULDNT TALK TO ME XX/XX/XXXX, I CALLED THE DEALERSHIP THAT I WANT TO RETURN THE CAR WITH WHATEVER CHARGE, BUT THEY SAID THAT THEY HAVE NO RETURN POLICY.
XX/XX/XXXX, CALLED DELAERSHIP AGAIN, BUT LEFT A MESSAGE FOR XXXX, HE CALLED BACK AND GAVE ME THE SAME AWNSER THAT THIS AGREED PRICE HAS ALL THE TAXES AND FEES LIES.
AS LEASE WAS VERY HIGH THAN USUAL, I THOUGHT OF BUYING THE CAR FROM THE BANK, THE BANK TOLD ME THAT THE PAYOFF IS ABOUT {$38000.00}. THAT MEANS I DIDNT PAY ANYTHING DOWN.
XX/XX/XXXX LEFT A REVIEW ON XXXX, TELLING PEOPLE TO BEWARE OF THIS GUY. SOMEONE FROM THEIR DEALERSHIP RESPONDED THAT ITS UNFAIR TO SAY THIS AND LEFT HIS EMAIL FOR ME TO CONTACT.
XX/XX/XXXX- I DID CONTACT BUT GOT NO RESPONSE BACK AS OF TODAY. COPY OF EMAIL WILL BE PROVIDED TO YOU.
I LATER CALLED AGAIN, LADY TRANSFERRED ME AGAIN TO XXXX, WHO GAVE ME AN APPOINTMENT FOR XXXX. I COULD NOT GO IN PERSON SO I SENT MY CONTRACT TO HIM IN EMAIL AND EXPLAINED HIM THAT I WILL BE CONTACTING HIM AT XXXX. NEVER GOT NO RESPONSE, KEPT CALLING HIM FOR THE WHOLE DAY AND AT XXXX XXXX A GUY PICKED MY CALL AND TOLD ME TO HOLD UP.
I KEPT HOLDING TILL XXXX THEN I HUNG UP.
XX/XX/XXXX, I REGISTERED A COMPLAIN TO THE CONSUMERS ASSISTANCE FOR XXXX. XXXX HEARD BACK FROM THEM.
XX/XX/XXXX - FOUND OUT THAT CONTRACT WHICH BANK RECEIVED FROM THE DEALER WAS FORGED. EVERYTHING FROM AGREED PRICE, TAXES, DEPRECIATION, RENT CHARGE ON IT WAS CHANGED WAS NOT SOMETHING WE SIGNED. OUR SIGNATURE, INITIALS WERE FORGED.
I CONFIRMED FROM THE BANK THAT MAYBE THEY DO IT THIS WAY, BUT THE BANK SAID IT CANT BE A MISTAKE.
I LOOKED INTO XXXX, XXXX XXXX, THEY ARE REGULARS IN THIS PRACTICE. THEY DO THIS ALL THE TIME WITH PEOPLE AND GET AWAY WITH IT.
THE ONLY PEOPLE PART OF ALL THIS WERE MY MOTHER, MYSELF, XXXX XXXX, XXXX XXXX XXXX XXXX.
I AM ATTACHING TWO CONTRACTS, THE WHITE ONE IS THE ONE THAT THE DEALER HAS FORGED, NONE OF THE SIGNATURES, INITIALS ARE MINE. EVEN THE ADDRESS & DATE OF THE CONTRACT ON IT IS WRONG TOO WHICH IS INSANE.
THE YELLOW COPY IS THE ONE WHICH I SIGNED BUT THE NUMBERS WERE NOT EXPLAINED THE WAY THEY WERE POSTED. IN SHORT, THE DEALER LIED TO ME ABOUT EVERYTHING.
I TRIED TO RESOLVE THE ISSUE BY TALKING TO THEM AND PERSONALLY GOING THERE, BUT THEY DIDN'T LISTEN TO ME.
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| 01/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I leased a vehicle from Hyundai ( USA ) from XX/XX/XXXX-XX/XX/XXXX and made all payments on time.
During the course of my lease, the car had continues issues which required multiple visits to the dealer for repairs. However, all of these issues were never repaired throughout the period of the lease, in spite of multiple visits to the dealer.
I returned the vehicle in XX/XX/XXXX, in total satisfactory condition, having made all payments timely.
Two months after returning the car, I received a bill from Hyundai ( USA ) in the amount of {$2100.00} for over mileage.
I contacted Hyundai by phone and advised them of the mechanical defects of the car which had never been corrected and requested that they waive this new charge in place of the continuous inconveniences I had dealt with throughout the lease of the vehicle.
They never responded to my calls in terms of dealing with this issue.
I then wrote a letter to Hyundai Capital on XX/XX/XXXX, detailing my issues with the car and that I felt I was owed some waiver of this new charge in recognition of the problems that I had brought to their attention, were never repaired, and which they were aware of.
I then received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, on behalf of Hyundai, advising me that I owed {$2100.00}.
As of that date, I had not received any call or letter in response to my l letter requesting that Hyundai contact me to discuss the issue of the new charges. At the same time, before giving me a chance to respond to the letter from the collection agency, Hyundai placed a negative report with the 3 credit reporting agencies showing my account being in arrears in terms of making payments on this charge.
However, I was not even aware that this charge was in place as I was still waiting for a response to my calls and letter to Hyundai, so that, the charge was certainly not late and could in no way being considered not paid.
I immediately contacted XXXX who advised that if I did not make an immediate payment towards the charge, this would affect my credit rating negatively as they would file a late payment adverse report to the credit reporting agencies, which they indeed did.
Faced with this threat of negatively affecting my credit, I agreed to a payment amount of {$1500.00} which I made with three payments on XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) so that the amount agreed to was paid as per the agreed payment schedule made with XXXX XXXX , so that the agreed to amount has been paid, on schedule and as per the agreement.
As of yet, I have still not heard from Hyundai in response to my calls and letter.
Though Hyundai ignored all of my communications and attempts to reach a fair agreement, and in spite of my conversation with XXXX and forced payment schedule, which I kept, Hyundai filed a negative and adverse report with the 3 credit reporting agencies, severely impacting my credit score.
In addition, though this new charge was a completely new charge and not part of my lease agreement, they attached it to the lease agreement as if it was part of it and made it appear as if the lease had been left open and unpaid at the end.
This was not true as I had made all of the required payments during the period of the lease completely timely and was never once late.
This made it difficult to arrange for another lease and has left my credit score severely damaged.
Sincerely, XXXX XXXX
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| 10/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I made an outbound call to the collections department of XXXX XXXX XXXX to advise that I would be sending over an insurance check in the amount of {$2.00}, XXXX i was asked by the representative if this was to catch up my past due payments. I advised the representative that is was and hopefully any future payments. I also asked the representative if I should sign the back of the check, she responded to be on the safe side yes. That same day I sent the check with my account number listed to the mailing address confirmed with the same representative, XXXX. XXXX XXXX, XXXX, TX XXXX. I confirmed via my finance app that the payment was received and applied 6 days later XX/XX/XXXX. My app at that time showed that I had no payment due for my normal date of payment XX/XX/XXXX or XX/XX/XXXX. I receive monthly emails and paper statements to advise the next payment due and I received an email showing that a payment was now due for XX/XX/XXXX when it previously showed that there was no payment due. I then reached out to a representative in the customer service department at XXXX XXXX XXXX approximately Wednesday XX/XX/XXXX. I spoke to a representative and asked why there was no longer a positive balance on my account. The response form the representative was that the payment sent covered the entire past due balance. I informed them that my amount to become current was {$1100.00} so there should have actually been an over payment. I then requested to speak to a supervisor. Once the supervisor got on the phone I explained my situation again and she advised there was a simple process to have the over payment moved back to payments. She advised that when there is a payment over {$2500.00} received then the overage would go to principal. She advised to allow 3 business days for payment to be corrected. I then checked my account on Tuesday XX/XX/XXXX and saw that it showed me to be 80 days past due and owing a balance of {$1500.00}. i then reached out to another customer service representative and was advised that she showed my account to be current but a payment is due XX/XX/XXXX. I asked about the amount I saw online and she stated that it appeared the transfer of funds from principal was declined and the entire amount was reversed. I was then placed on hold but the call disconnected. I called back on XX/XX/XXXX and spoke to a collections representative, as of now my account is showing 82 days past due, and explained my situation and she advised she would get her supervisor to assist me. I spoke with the supervisor and explained my situation. I was then informed that she apologized but they originally applied the payment in error and they caught their mistake so they are not able to put the payment back to make my account positive. I was then informed that my car is eligible for repossession since the days past due and a payment of {$450.00} had to be made by XX/XX/XXXX and I could call back Monday XX/XX/XXXX to request a 2 month extension for the rest. I advised I did not agree with their decision to take the full payment back. i advised as a customer I rely on them to tell me there business practices and I was misled by at least 3 representatives. I asked for the payment to be reversed as they previously had it but was turned down. i ended up making a payment for {$450.00} to try to prevent repossession of my vehicle but i do n't think I should have had to pay anything.
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| 03/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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In XX/XX/XXXX, I elected to lease a new XXXX vehicle, and at the same time turned in an existing leased vehicle. At that time, there were two remaining lease payments that were to be included in the deal for the new vehicle. Several months later in the fall of XX/XX/XXXX, I received communication from a third-party collection firm hired by the finance company, demanding payment for a balance exceeding {$4000.00}. Prior to that call I had not received, and in fact still have not received, any invoice detailing the substantiation of these supposed charges. I have called the company numerous times, quite literally begging them to please send the requested details to no avail. I have complained with the XXXX XXXX XXXX, to no avail either. The company is currently reporting this amount for which a bill was never presented as a charged-off amount on my credit report. I have repeatedly stated, and will reiterate that if there is an amount due, I will be glad to pay it if the company would revise its reporting on my credit report, however I am not in the habit of paying amounts demanded of me without substantiation. The company claims to have sent an invoice in mid-XX/XX/XXXX, however that invoice has never been received, despite verifying the address of record they have on file. Additionally, they claim to have sent a revised invoice in XX/XX/XXXX that similarly has not been received, despite an additional verification I made that the address on file is correct. Furthermore, my efforts to obtain the necessary information have been thwarted by the company 's online interface which disabled access to the account in question and removed all prior history from the the account. Additionally, numerous outbound phone calls have been made to every level of the finance company that I could find, or that they encouraged me to use.
I've left numerous voice messages, and encouraged any form of communication that would put the required information into my hands and bring about a speedy and mutually beneficial resolution to this matter. The only bill subsequent to the turn-in of the previous vehicle received by me was related to personal property tax for tax year XX/XX/XXXX. That bill, when received, was paid nearly immediately, and as such it should be clear that if presented with a bill, I'm willing and able to pay amounts that are validly owed. Since no one at the company has been able to substantiate this supposed amount due in writing, and each person I've spoken with has been unable to assist, I must deem that until sufficient documentation is received to the contrary, the company is attempting to collect a fraudulent amount. It is clear to me that this company is behaving in an extremely unreasonable manner, and has no interest in actually resolving the matter and correcting the damage they've done to my credit report with their fraudulent reporting. Time and time again I'm told that they won't send information by any method except postal mail, that there are no supervisors who can assist, and the prevailing attitude seems to be one of nonchalance and uncaring about bringing about a resolution. Again, if there is a legitimate amount owed, I will be glad to pay it so long as the company also agrees to remove the derogatory information from my credit report as they failed to present an accurate accounting and timely invoice. Additional details are available upon request.
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| 06/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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Hyundai Motor Finance has continually presented me with an inaccurate Final Invoice for the end of our lease and no Inspection Report. Their collections department continues to harass me while not providing a correct accounting.
-- I turned in the Vehicle early on XX/XX/20 ( early ) and was specifically instructed by XXXX XXXX, XXXX XXXX ( XXXX XXXX ) Lease Return Manager to expect to wait 6-8 weeks for the final invoice and Inspection Report. The pandemic hit and so while I had not received anything in early XXXX, I was not too concerned. To this date, I have never received the Inspection Report though I had been told the details over the phone.
-- On XX/XX/XXXX ( 8 weeks ), I called ( two calls - the first representative escalated the treatment of me as having done something wrong and then, hung up on me ) and had six additional calls on XX/XX/XXXX, XX/XX/XXXX ( three calls ), XX/XX/XXXX, and XX/XX/XXXX. I have been told repeatedly that the phone call is an attempt to collect on a debt. I have been told by representatives, that if not paid by XX/XX/XXXX, they would report the unpaid debt to the credit companies. I received the first copy of the incorrect Final Invoice on XX/XX/XXXX ( postmarked XX/XX/XXXX ).
-- In those seven ( 7 ) calls from XXXX XXXX XXXX, I repeatedly corrected that the key was received and I should not be billed ; the parking ticket had been paid in XXXX and should not be on the invoice ; and that the Excessive Wear and Tear had not been processed. Over and over, each rep on those calls confirmed my information as correct and promised to mail an updated Final Invoice.
-- It was not until a XX/XX/XXXX conversation that a representative, XXXX, from XXXX XXXX XXXX through which we have the Excessive Wear and Tear Coverage ( sold by XXXX as XXXX it makes turning in the lease an easier process '' ) told me that " XXXX processes these claims all the time without the lessee holding a report of damage. XXXX just sends it over by fax. '' In a second phone call that day to XXXX, claim rep, XXXX, helped me to complete the cover sheet, and finally, XXXX faxed the Inspection Report to them.
-- On XX/XX/XXXX, with much concern about having our credit tarnished by their overly aggressive tactics, I offered to and paid the {$400.00} Turn-In Fee that is not in dispute.
-- I have subsequently received another incorrect Final Invoice ( dated XX/XX/XXXX but postmarked on XX/XX/XXXX ) that is still incorrect. I received a letter from XXXX that they have paid XXXX ( but still shows incorrectly show the key as missing. Meanwhile, I continue to be harassed with incorrect Final Invoices by mail, text messages, and phone calls regarding this matter.
-- To this date, I do not have a corrected Final Invoice. I do not have the Inspection Report.
-- It is hard to imagine it is not an act of bad faith by Hyundai Motor Finance to carry forth, as debts, items that were previously paid. And, repeatedly confirmed as paid. This has taken an enormous amount of time as each call is typically between 40 minutes and an hour, some may have been more.
-- During XXXX call, I sarcastically thanked the rep for their customer service and she told me " This is Collections, not Customer Service. '' ** Clearly, Hyundai Motor Finance has knowingly acted in bad faith and has continued to pursue a financial obligation that is not accurate.
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| 01/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On or around XX/XX/XXXX, I leased a XXXX XXXX. I paid {$7500.00} up front and was scheduled to pay $ XXXX/month for 36 months. I set up an account and autopay through the HMF website. The payments were occurring on time each month.
In late XX/XX/XXXX, I was notified by a credit agency that my credit had dropped significantly. Prior to that date, my credit score was over 820 for years. In over 30 years, I have never had a single late payment on mortgages, credit cards, auto loans and previous leases.
I reviewed my credit report and saw that there were several delinquent payments and a charge off. Yet I was never notified by HMF? No letter, no email, no phone call. I tried to login to my HMF account but it was blocked.
I called customer support and was passed to your collection department. I was told they were out looking for the car to be repossessed. I asked why and even the customer support person had difficulty understanding why my autopay was shut off without my authorization. She finally thought it had to do with an outstanding property tax payment. I never received notification of an outstanding property tax bill. All of this could have been avoided if HMF had communicated the tax payment deficiency to me.
The only options HMF gave me was to have the car repossessed or send in a cashiers check for {$21000.00}. I was told that if I sent the check I would receive the title within 10-days and that the charge-off would be removed from my credit report.
I decided to send the check. I was told to send it overnight, make copies of both sides, make a copy of the overnight label and email it within 24-hours. I followed all of the instructions. A couple of weeks went by and I did not receive the title. When I called they said an odometer statement was required ( why wasnt I told this? ). I sent one immediately. A couple weeks go by and no title. I call and they said that I need to sign a Bill Of Sale but that they need to send that to me and Ill receive it in 48-hours ( again, why didnt they say that initially? ). A couple weeks go by and no Bill of Sale. I call and they say Ill get it in 48-hours. I receive the Bill of Sale, sign it and send it in immediately. A couple of weeks go by and no title. I call and they say the Bill of Sale is incorrect. They send a new one. Its been three weeks since I sent that in and still no Title.
In XXXX, I get another charge-off for {$35.00} on my credit report. I call and they say it was a mistake and it would be removed in 30 days. The new charge-off along with the initial charge-off are still on my credit report and show I own money.
I recently was denied any further credit due to the delinquent payments and charge-offs that HMF put on my credit report, none of which was my fault and have caused me great distress given my previous exemplary credit. Why ruin peoples lives this way?
During this whole process, HMF never sent me a single letter to say that I purchased the car. However, last week I received an email asking me what my intentions are when my lease expires in 5-months! Really? Evidently HMF does have my email and is willing to communicate with me in regards to purchasing the lease or trading it in for a new car but cant tell me that my property tax bill is due?
After nearly 3-months, I still do not have the title after paying {$33000.00} to Hyundai for this car.
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| 10/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have a car loan with Kia Motors Finance for a XXXX XXXX XXXX. I have been faithfully and responsibly paying my monthly obligation of {$480.00} since XX/XX/XXXX. In XXXX of XXXX, I began making additional payments to speed up my loan repayment with the goal of paying it off this year ( XXXX ). I paid approximately {$14000.00} extra. All was going well until I saw my XX/XX/XXXX billing statement. Considering that my XX/XX/XXXX statement had a payoff amount of {$7500.00}, I was shocked to see that the payoff amount on the XX/XX/XXXX statement was {$8700.00}! According to my calculations and the Principle Balance listed on the Account Details section of my online account, my balance should've been {$2500.00} after make a {$3000.00} additional payment. It appeared they had not subtracted the amount that was applied to principal from the previous balance. Even with that, the payoff amount was way off base and made no mathematical sense.
I called Kia Finance Customer Service on XX/XX/XXXX to try and resolve the issue to no avail. I was transferred to a supervisor but then I was cut off and had to call back and go through the whole things again. The supervisor I spoke with told me it was an error and that there something wrong with the system and that it would get fixed. Well ... it did not get fixed so I called again a couple of week later on XX/XX/XXXX and spent quite some time on the phone explaining this problem. The representative agreed it looked like an error so she sent an email to " payment processing '' and said to check back in a week or so. I did that and still there was no updated status. I spoke with another supervisor who also agreed there was an error and re-sent an email to " payment processing ''. I called yet again a couple of weeks later, still no response from " payment processing ''. I began to wonder if payment processing even existed.
I decided to wait until I got my next statement. Still the same error. I called again. Then I decided to wait a few weeks. Well, now it's been a few months and still no resolution. I just called today XX/XX/XXXX and, unbelievably, I had to go through the whole story AGAIN and they told me the same thing that all they can do is email " payment processing, '' which seems to be some sort of black hole from where no one returns, since they don't response to even customer service. That certainly doesn't give me, a customer, much confidence!
I asked whether there was some sort of escalation process in these situations since it had been XX/XX/XXXX when the first email was sent to payment processing and they still haven't gotten to it and it's now XXXX? Kia Motors Finance Customer Service told me that that's all they could do and there was no one else to contact. I asked who " payment processing '' was and if there was a manager for that group and I was told that there are " people in the group '' ( well, I HOPE so! ), but they don't know their names? Wow. I even told them as a last resort I was going to have to write to their executives or seek assistance elsewhere. Apparently, they don't care.
At this point, I really need to resolve this as I'd like to pay off the loan and the remaining amount is so little ) {$280.00}, but the payoff quote comes back as {$5000.00}. I feel as if they are keeping my car hostage. I will never do business with Kia again.
|
| 01/26/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
Older American |
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on XXXX/XXXX/XXXX I leased a XXXX XXXX. I was told that in the state of Illinois I had too pay tax purchase price of the car. {$33000.00}, less my trade in credit of {$3500.00}. Total tax was XXXX. The residual value was set at {$20000.00}. KIA finance gave me XXXX different buy out quotes. on XXXX/XXXX/XXXX I got a buyout quote of {$20000.00}. on XXXX/XXXX/XXXX I paid {$530.00} for my last XXXX lease payments which were XXXX & XXXX XXXX. Then I got a buyout quote on XXXX/XXXX/XXXX for {$19000.00}. On XXXX/XXXX/XXXX my credit union XXXX XXXX sent a check to KIA Finance for {$20000.00} to purchase the XXXX. I was told by XXXX ( SUP ) and XXXX of KIA Finance, that the taxes were included. on XXXX/XXXX/XXXX I received a message from XXXX asking me to call her at XXXX and ask for extension XXXX regarding my payoff information. I called her back and she said they were closing out my account but there was a refund in the amount of {$350.00} and asked were did I want them to send it. I said to me I verified my address. XXXX said her supervisor would process the closing of my case and they would forward the title to me. She said she would call me back by end of the day. On XXXX/XXXX/XXXX I called XXXX, to follow up and was told the supervisor did not close the account if I would hold on she would inquire. Finally, XXXX said they were processing my account and the title would be sent to XXXX XXXX XXXX XXXX tomorrow. She said my refund of {$350.00} will take up too 20 days to process. On XXXX XXXX, XXXX I received the title and bill of sale, the bill of sale did not reflect the residual value of the car which was {$20000.00} but was the buyout amount of {$2400.00}. I called KIA Finance at XXXX and eventually spoke with XXXX for over 40 min. XXXX said that was the price I paid for the car, but I said there is a mistake. kept justifying the amount. He then reassured me he would expedite my refund. I called Illinois Department XXXX XXXX XXXX, XXXX. I was informed the amount of taxes I would have to pay was {$1300.00} Plus {$190.00} registration and title change. Now I have paid XXXX taxes {$1900.00} and XXXX on the same car. I was never informed by XXXX or the dealership that at the time of lease that if I purchase the XXXX XXXX after lease I would be responsible for a dabble tax. on XXXX/XXXX/XXXX I called KIA motor finance about my refund I was told they are waiting from a response from accounting. I have been calling XXXX about my refund. On XXXX/XXXX/XXXX I called KIA motor finance XXXX at XXXX and spoke to XXXX about my refund of {$350.00} however she said it is pending and she could not tell me anything else. I asked to speak to a supervisor, XXXX and I spoke he stated the check was approved on XXXX XXXX, XXXX but was not processed. He stated he would check with accounts payable and see if he could get it sent to me by next day mail He stated he would get back to me by the end of the business day, he asked for a good number I gave him my home and cell number. as of the end of the day XXXX I have not heard back from XXXX the KIA Finance manager. as of XXXX/XXXX/XXXX I have not received any more information about my refund, or any thing about the taxes. Had I been told about the dabble tax I would not have leased the XXXX XXXX XXXX. I was told I had to pay the whole tax on the car.
|
| 05/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have a car loan with Hyundai Motor Finance. I'm made full and on-time payments of {$440.00} since the inception of the loan in XX/XX/XXXX. I had the account on auto-payment from the same bank account from XX/XX/XXXX to XX/XX/XXXX. For the XX/XX/XXXX payment, I stopped that auto-pay and placed a one-time payment from a different bank account. On XX/XX/XXXX I received a " Payment Reminder '' for the XXXX bill, stating an amount of {$900.00} was due XX/XX/XXXX. I checked my online statements, and the XXXX payment was recorded but the payments made/remaining counts had not changed from the previous month. I verified with my bank that the {$440.00} was withdrawn on XX/XX/XXXX. Due to the pandemic, call volume was high and I contacted HMFUSA by secure message on XX/XX/XXXX. The response on XX/XX/XXXX was to " please call '' the 800 number. I made multiple calls to XXXX, with the billing department informing me that they see " all '' payments being made, and this is a technical issue. The transferred me to their online services unit. That unit informed me they can only resolve certain issues, and this would require the billing unit to " wipe out '' the ghost bill ( and late fee ) on my account. I requested they escalate the issue and resolve it. Some calls later, the solution proposed by XXXX was that I could pay the " outstanding '' amount of {$460.00} ( the {$440.00} plus I am assuming a late fee ). I explained that I did not owe any extra payment or late fee, as I made all payments on time. I also pointed out that my payments made/remaining count is off and how would that resolve that issue. I requested that they correct their systems because there is no missed payment and no late fee owed. I contacted them again on XX/XX/XXXX to request the issue be resolved. As of XX/XX/XXXX my XXXX account now displays the account as " past due '' online. On XX/XX/XXXX I received a call stating that my account was being sent to collections, and the call was XXXX calling to collect payment and that if payment was not made, my car could be repossessed. They confirmed where the SUV was stored. I informed XXXX at XXXX of the lengthy issue, she confirmed she could see the various call and email inquiries, and she confirmed that there were monthly payments made on time and full throughout the loan history. She promised to notate the account and escalate it immediately for resolution. She apologized several times. This call was especially aggravating as my child was in the car, and having to explain what collections were, why XXXX would be calling, and what " repossessing '' the car would mean was embarrassing and mentally painful. On XX/XX/XXXX, I received an email stating my account was past due, and a payment of {$460.00} was past due. Today, XX/XX/XXXX, my wife and joint account holder received a second call stating that this was an account in collections. She stopped the call with a short explanation of the previous calls, and requested XXXX review their records and immediately escalate the matter. I am now requesting CFPB 's assistance. XXXX XXXX own records document the on time and full payments since the loan inception. An error in their system is now causing them to repeatedly email, call, and harass us with threats of collection on an account that is paid on time and in full.
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| 05/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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We leased a vehicle twice from XXXX XXXX / XXXX XXXX XXXX XXXX. The first time they tried to charge us a {$400.00} disposition fee when we had made an agreement with the dealer to have the fee waived because we leased another vehicle at the same time we turned in the first vehicle. This is a normal practice until a vehicle is returned without purchasing it or leasing a new vehicle. Then we turned in our second vehicle three years later on XX/XX/XXXX. Approximately three weeks later we received a letter from XXXX XXXX XXXX asking us to turn in our vehicle that it was due back on the XXXX. I called and let them know that we turned it in on the XXXX. They said they would call the dealer.The first week of XX/XX/XXXX we received a call from XXXX XXXX again saying that we had not turned in the vehicle. I let them know that we did turn it in on time and I had paperwork to prove it. I faxed them a copy of the paperwork and let her know that if she was told that they didn't have it I would go to the dealer myself with a copy of my paperwork showing it was turned in. She did call me back and told me that they did have the vehicle but they never submitted the paperwork to them. Move forward Eight months to XX/XX/XXXX my husband receives a call telling him that we owe {$400.00} to XXXX XXXX. My husband is a long haul driver clear across the country. He calls me with a phone number to call them back. I call XXXX XXXX on XX/XX/XXXX. They REFUSED to speak with me about anything? Told me to call XXXX XXXX XXXX XXXX XXXX. I call them and find out they are a collection agency. I asked them why Hyundai wouldn't speak to me and he said that he couldn't answer that, he didn't know. I asked why didn't we get a bill from XXXX XXXX or a phone call. They had our phone number and our address. Constar told me that XXXX XXXX said they sent an invoice to my street address. I don't get mail at my street address that is why I have a PO box . I let the collection company know that XXXX XXXX sent me a bill all of the time to my PO Box why not the disposition fee invoice she said that it showed that they sent the invoice to the PO Box too, that the bill to the PO Box went to my Husbands name, and the Street address went to my name. I let them know that if that was true the bill would have been received and paid and we wouldn't be going through this. XXXX XXXX never sent a bill. I made a payment on the spot and let them know I would be reporting XXXX XXXX for poor business practices. My husband and I work hard to keep our credit at a high level. I am not disputing that we owed the disposition fee. We just forgot about it and never received a bill for it, had we received a bill it would have been paid. The disposition fee is listed on the contract that we signed three years prior. I pulled our credit reports and XXXX XXXX has ruined our credit. Our credit report shows our payment history is excellent except for what XXXX XXXX has done too it. Our report even shows our payments were on time with them until after we returned our car.Our credit reports speak for themselves. I never got a bill even from the collection agency. They just told me what it was for over the phone so I paid it. I did receive a receipt from them if you want me to send you that just let me know.
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| 10/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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On XX/XX/XXXX I traded in my leased XX/XX/XXXX XXXX XXXX XXXX for a XX/XX/XXXXXXXX XXXX XXXX. The initial intention was to purchase it but they said they would give a good deal on the XX/XX/XXXX and convinced me to bring that specific car that was outside. The car did not have the net, and has a lot of water marks on the glass, which has been cleaned with acid 3 times and every time it gets worse, to the point it is difficult to drive at sunset. That is not the major problem. When the car had approximately XXXX miles, on Sunday, XX/XX/XXXX I was driving to a hospital in LA with 2 friends in the car, on the fast lane. Suddenly the car slowed and slid to the left with an abrupt movement. It was very scary. If felt like it hit a pocket of ice. I thought it was normal because it is a new car. I was doing an internship at Hospital so I had to drive about 80 miles each way and I did it on Mon., Tue, & Wed. and Thu. one way, ( about 560 miles ). On Thursday, coming back, when entering XXXX XXXX, I was driving in the middle lane. Suddenly, the car slip to the left and was very difficult to control ; this time was stronger thant the first time. On Friday I was very afraid so I didn't show up to work and on Sat. XX/XX/XXXX & Sund. XX/XX/XXXX I drove around in town and nothing happened. On Mon. XX/XX/XXXX & Tues XX/XX/XXXX. & Wed XX/XX/XXXX. I drove to and from LA, about XXXX miles a day. I went to XXXX XXXX for a job interview ( drove about 500 miles ). On Wed XX/XX/XXXX, driving on XXXX XXXX to XXXX, I was driving on the slow lane about 55-60 miles/hr and the car abruptally switched to the left and Right in ZigZag. It was very scary. The car has been to the dealership several times to resolve this situation ( after the third incidente ) ... It is now 4 incidents, but they are focusing more on me saying that this bothers me due to my XXXX condition, than for the problem itself ... indeed, their report looks like a report for the cardiologist and not from a mechanic at a dealership. They drove the car for 75 miles and stated that they could not duplicate the problem and called me stating that the car does not have a problem and didn't even bother tocheck it. I am VERY AFRAID of driving a car that is not stable but mostly, a car that we don't know when the slipping will occur. It looks like the car hits an ice puddle. It was so strong that I was ucky in not having any cars on the left or to the right ... I could have killed somebody or killed myself. I need help. I can not continue driving that car. The promised me at the dealership that they would give me another car, but unfortunately they did not give me another car stating that my credit score had dropped. Anyway, their intensions at the dealership were to take this car back but giving it a much less value, meaning that the car they would give me, would be a totally different deal plus the devaluation on this car, making this way the payments go up to around XXXX higher.
On their repair orders, actually it is funny ... they do not mention the problem at all. I even told them that the problem had happened 3 times and it had been very scary.
They removed the " driver 's assistant '' button and told me that the car would be OK. I trusted them and yesterday I almost killed myself!
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| 05/10/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In my initial letter dated XX/XX/2019, to Hyundai Capital America, I specifically requested verification and proof of the alleged debt, including a complete account history. This information was not sent to me in the company 's response. Instead, I received an offer to resolve this debt from a 3rd party debt collector, XXXX XXXX XXXX ( XXXX ). The information I received from XXXX, didnt contain any evidence of the alleged debt, nor did it include a complete account history as requested in my initial letter to the company. Therefore, I mailed a second letter, but this time to XXXX XXXX XXXX, demanding verification of this debt and the companys legal authority in this matter, and proof that XXXX legally owns this debt and is authorized to collect this alleged debt. I have yet to receive any information from XXXX proving that I have a legal obligation to pay XXXX, yet, this company is continuing to attempt to collect an alleged debt without providing evidence of their authority to collect it. Why would I pay a debt to a company that is unwilling to prove they are the legal owner and are authorized to collect it? Debt collection agencies sell debts all the time, if I pay XXXX, what is to stop them from selling the debt to another third party debt collector after I pay it? Therefore, without proof of XXXX legal authority in this matter, it would be extremely unwise for me to pay a random debt collection company for an alleged debt they dont own. Secondly, in my original request to Hyundai, I specifically requested a contract or other instrument bearing my signature proving I was legally obligated to pay this debt and that it was my account. The company has failed to provide with this evidence as well. Instead, in a response I received from Hyundai Finance, ( not Hyundai Capital America ) dated XX/XX/2019, I was provided a copy of a contract which did not contain a date, nor my signature. Without a signed contract or other instrument bearing my signature that created this debt, the company failed has provide me with proof that I am legal owner of this debt. XXXX, Hyundai Capital America and Hyundai Finance have all failed to provide legal evidence of this alleged debt, yet continue to report this account to the credit bureaus.
I am submitting this complaint because under 812 of the FCRA, furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. In addition, under 1692e, [ a ] debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 15 U.S.C.A. 1692e.
Since I have not been provided with the information requested in the attached letters, I have reason to believe that Hyundai Capital America, Hyundai Finance and XXXX XXXX are willingly reporting inaccurate information to the credit bureaus, and may be engaging in unfair and potentially fraudulent debt collection practices. This is why I am seeking the assistance of the CFPB.
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| 09/15/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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On XX/XX/XXXX, I went to XXXX XXXX in XXXX XXXX to return my leased XX/XX/XXXX XXXX XXXX and purchase a new XX/XX/XXXX XXXX. I was about two months ahead of when the lease expired and was told that if I financed a new vehicle purchase that I would pay nothing to return the leased vehicle early ; XXXX would cover all the costs and all I would be paying for was the new vehicle. I was excited, signed my lease, got set up with a loan, and drove off with my shiny new car.
About two months after purchasing my new car, I received a notice in the mail about an outstanding balance of {$1800.00}. Apparently I was being charged with {$880.00} in unpaid lease payments, {$400.00} in early termination fees, {$79.00} in taxes, and {$440.00} in excess wear and tear fees. The unpaid lease payment, early termination fees, and taxes were all supposed to be waived according to my dealership, so I contacted them to get everything squared away. After some back and forth they agreed to pay for everything but my excess wear and tear fees. However, the original contract I signed when leasing my first XXXX ( the XX/XX/XXXX XXXX ) showed that I had paid up-front for excess wear and tear protection. In fact, I paid {$600.00} for the protection, which is more than what the actual fees came out to. Instead of the dealership or XXXX finance resolving the matter, I was directed to file a claim with some XXXX-party company, have my case looked at, and hope I got a resolution before Hyundai Motor Finance put out a collections on this obviously bogus charge.
The dealership eventually agreed to pay off even the excess wear and tear fees, after more than a month of back and forth conversation. When I attempted to check on the status with Hyundai Motor Finance they told me they had applied the first check but apparently they apply these payments in an almost random manner. My unpaid lease payments were at a XXXX-balance but I suddenly had a disposition fee, whereas on my original invoice it said {$0.00}, and no early termination fee, less taxes, and only about {$25.00} for excess wear and tear. The total of the new charges came out to {$440.00}, which is exactly how much I owed for the excess wear and tear in my original invoice. Instead of sanely applying the payment where it was meant to go they used a shotgun solution, not caring about consumer understanding of the line-item reductions as long as the final total was correct.
Although the dealership was awful at handling my case, they eventually attempted to correct things. They also messed up on my DMV papers, causing me to receive a registration renewal payment notice for my old car ( which I no longer had at that point ) and delaying my new car 's registration until XXXX XXXX which meant I did n't have a properly registered vehicle, or license plates, for more than 3 months. But Hyundai Motor Finance is absolutely atrocious. They refuse to apply any kind of customer service to any situation, basically saying " go have someone else fix the problems we created. '' Which is extra upsetting because XXXX of the charges - excess wear and tear - was a bonafide illegal charge, in direct conflict with the contract XXXX and I had signed, and they still did n't attempt to correct the situation personally.
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| 02/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Good Morning, Im submitting this complaint against XXXX XXXX XXXX, because they reported 30 day late payments to the three credit bureaus on my vehicle loan.
The vehicle loan account is in me and my husbands name ; XXXX XX/XX/XXXX, my husband went to apply for an apartment and was denied due to all the late payments that where on his credit report. According to the apartment complex, the late payments showed up on XXXX, XXXX, and XXXX. These are the late payments that are currently on our credit report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
On XX/XX/XXXX at XXXX XXXX, I contacted XXXX to get clarification on these late payments, because according to my documents I was never 30 days late. The first person I spoke with a XXXX over the phone was XXXX and I inquired about all the late payments that were reported to the three credit bureaus. XXXX stated, I only see that XX/XX/XXXX, has been reported to the credit bureaus. Thats when I chimed in and said, According to the credit report that the apartment complex pulled on my husband, XXXX reported these months as being 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ).
XXXX stated that she has limited ability to see whats on my vehicle loan account far as payments are concerned. I asked her to transfer me to a supervisor, and she stated should would be it will be a while before the supervisor would be on the call. I waited 30 mins before XXXX the collections supervisor go on the line. He introduced himself as XXXX the collections supervisor. I asked XXXX, could he tell me what late payments did XXXX report to the 3 credit bureaus because my husband had his credit report pulled by the apartment complex and was denied the apartment because of several late payments on his credit report, I explained to him me and my husband are both on the car loan. XXXX stated, I have limited visablity to you car loan account. I said, You are a supervisor and you cant tell me what 30 day late payments XXXX submitted to the credit bureaus. XXXX said, We report differently to the credit bureaus, for instance if it the XXXX and we havent received a payment by then we report you to the credit bureaus. I informed him that was illegal because by law you must be 30 days late on payments before you can submit it to the 3 credit bureaus. XXXX is giving me this illegal information on a recorded XXXX line. He instructed me to send a letter to the XXXX direct dispute department. After he gave me that information, I informed him that I would be submitting a complaint with the CFPB about these late payments and this wasnt the first time that XXXX sent incorrect info to the credit bureaus on this car loan.
Please remove inaccurate late payments for these months from the 3 credit bureaus ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also is there a way from preventing the month of XX/XX/XXXX and XX/XX/XXXX from being submitted to these three credit bureaus XXXX, XXXX and XXXX.
Ive attached a copy of screenshot from my car payments when I submitted them when I pay them via online. I dont have the screenshot of XX/XX/XXXX because it was in my old phone and it just blacked out on me and for some reason it wasnt saved in the cloud.
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| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hyundai is falsely reporting a late payment in XXXX and XXXX of XXXX, however, all of my installment payments were made on time for my 4 year lease. I received a letter from Hyundai in XXXX of XXXX noting that I owed {$69.00} in damages after turning in my leased car and that it was not a bill, just a notice and a formal bill would follow. I then received a bill in XXXX of XXXX saying that I owed {$69.00} plus an additional {$400.00} disposition fee. My finance representative never informed of this {$400.00} when I leased the car and I called Hyundai numerous times in XXXX to inquire about this fee, and by then the COVID-19 pandamic had started and every time I called, I was prompted with a message saying " we are experiencing higher call volumes than usual, please call back again at a later time '' and they would hang up on me. After calling for weeks and receiving the same message, I then e-mailed them on XX/XX/XXXX, and received an email " Thank you for contacting Hyundai Motor Finance. Our Customer Care Team will respond within two ( 2 ) business days with an answer to your concern. '' ( attached as evidence ). I never received an e-mail response from Hyundai. I was finally able to get through to Hyundai in XXXX of XXXX, and a representative said that my finance representative might not have mentioned it because it's normally waived when staying with Hyundai and that they apologized for not getting back to me sooner but they were understaffed due to COVID-19 and were receiving a lot of calls due to the pandemic. They said not to worry, that they could process my payment and that they would not report anything to any of the credit bureaus since I paid off the balance in XX/XX/XXXX that day and due to them not getting back to me in a timely manner, however, they then proceeded to falsely reporting a late payment to all 3 credit bureaus and are ruining my credit report which has never had any derogatory marks and Hyundai is causing me thousands of dollars in my mortgage process as I am in the process of purchasing a new home. I've attempted to call the Company multiple times to resolve this and they say there's nothing I can do but wait. That the people that deal with disputes do not have a contact number, that everything has to be handled through the mail, and I mailed them a letter with my complain and evidence and it has been over 30 days and they are still not correcting the issue. This is my last attempt to resolve this before filing a lawsuit with my lawyer. He advised me to document all the names of the individuals I spoke with the last time I called Hyundai to resolve this on XX/XX/XXXX. Their names were XXXX XXXX, XXXX XXXX, and the Manager was XXXX ( Employee # XXXX ). They all told me there's nothing I can do but keep waiting. I have been fighting this since XX/XX/XXXX, I don't have time to wait anymore as I am about to lose my house and can not purchase a cheaper home with my current credit score that Hyundai is falsely reporting and taking advantage of people during this horrible pandemic. I have filed disputes through the credit bureaus and they keep updating the account to closed but are not correcting the incorrect late payment history which is the part that is ruining my credit.
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| 12/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Good afternoon, I paid off my auto loan XX/XX/XXXX. There is an over payment due of roughly {$950.00}. I have contacted Hyundai Motor Finance, HMFC five times to get this matter resolved.
My first call for status on the overpayment was at the beginning of XXXX after receiving a payoff letter dated XX/XX/XXXXXXXX and the title. The agent informed me that the overpayment would be mailed 21 days of the loan being paid off.
On XX/XX/XXXX, I called HMFC I was informed that the check was mailed and I should receive it any day.
On XX/XX/XXXX, I called HMFC for status on the check and was then informed that the check was sent to XXXX XXXX XXXX XXXX, XXXX for {$950.00} XX/XX/XXXXXXXX and that I would need to call them for status. I contacted XXXX and they confirmed that they did not receive the check and needed additional information to research on their end ( check number and address where the check was mailed to ). I called HMFC back XX/XX/XXXX, to obtain the information. I called XXXX back and provided them with the details.
On XX/XX/XXXX, XXXX informed me that they were not able to locate the check. I contacted HMFC XX/XX/XXXX, I advised them that XXXX does not have the check and asked what the next steps are to have the check replaced. I was informed that a stop payment can be placed and if I would like the check issued to me directly that they would need to get a verbal authorization from XXXX to do so. I attempted to click over and call XXXX, the agent from HMFC hung up while I had them on hold. I called HMFC back XX/XX/XXXXXXXX and spoke with another agent and was advised that I did NOT need to obtain their authorization to release the refund to me, and that a request would be sent to the back office to have a stop payment placed and the check issued to me directly.
On XX/XX/XXXX, I called HMFC again to obtain status on the refund check and was told that the back office rejected the request and that they needed verbal authorization to have my overpayment issued to me. I expressed my frustration with the agent and explained that I have been getting mixed messages on how to resolve this. I attempted once again to get XXXX on the line, however ; I could not.
On XX/XX/XXXX, I contacted HMFC once again, explained the situation and that I have a representative from XXXX standing by to take our call to provide a verbal authorize to have a stop payment on the check and to provide permission to have the overpayment sent directly to me. I was then instructed that they need the request in writing from XXXX. I requested to speak to a supervisor and was handed over to XXXX in the XXXX. He said that the request has to be in writing.
I am extremely frustrated with HMFC practices, they are unfair and deceptive and outright abusive. I just want the money that is owed to me and should not take three months to receive it.
In addition, not that this impacts me as GAP product was NOT apart of my financing I think it should be noted that the payoff letter that was issued mentioned that unearned GAP insurance premiums that are due would be cancelled-CA was not listed in the states that would be cancelled by HMFC when the law went into effect XX/XX/XXXX. I have attached a copy of the letter for your review.
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| 04/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchased a XXXX XXXX XXXX in XXXX of XXXX with GAP Insurance. On XX/XX/XXXX, the car was in an accident ( not our fault ) and was totaled. I open an insurance claim to deem the car a total loss and subsequently opened a GAP Claim on XX/XX/XXXX and submitted all the requested documents ( i.e. Insurance Eval, police report, etc. ), except for a Full Payment History with a running owing balance, which I then contacted KIA on XX/XX/XXXX to provide me with is Full Payment History to submit to the GAP insurer. KIA took note of my GAP claim number and email address of the GAP company ( XXXX ), as they said they would send the payment history to the Gap Company via email. KIA informed me that my request would be take 3 to 5 business days to process. I called KIA on XX/XX/XXXX to see if my request had been processed, and was told that they did not have a request initiated by me! So I requested KIA to please ensure that my request for a payment history was submitted to the Total Loss Department and to expedite my request, as i was hoping to have the GAP claim process completed prior to my Car Payment due date of XX/XX/XXXX ( which by this day, KIA has clearly not provided the GAP Insurance with my Full Payment History ). Therefore, unfortunately, I have had to make a XXXX XXXX and looks like I will have to make a XX/XX/XXXX car payment on a vehicle that is a total loss and which I can not use my purchased product ( GAP Insurance ) to settle this situation due to KIA not providing me with a simple request. KIA informed me ( on XX/XX/XXXX ) that my request would take 5 to 7 business day to process. I called KIA on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX, in which I kept asking for KIA to provide me with a status update of my request ( that was submitted to their Total Loss Department ). I was consistently told that they could not tell me where in the process/status the total loss department was with my request, nor could they call or reach them. I would just have to wait the 5 to 10 business days for them to process my request. To which I told the KIA rep, that my request was clearly more than 10 business days, as I was calling on XX/XX/XXXX. I also spoke to a KIA Supervisor on XX/XX/XXXX ( which was of NO help ), as she told me that my request would take up to a month to be processed! I asked if there was another option for me to receive a Full Payment History, to satisfy a finalize item needed for my GAP claim, and was told that all they could only submit another request ( to their total loss department ) but that was all! What help was that?! I asked the supervisor to provide me with the total loss departments contact information so that I could reach them and submit a complaint. The supervisor said she did not have a phone number but only an email ( XXXX ) and a fax number XXXX. I emailed total loss department on XXXX no surprise, it's XX/XX/XXXX and I haven't heard a peep from them. Not even an acknowledgement that they received my complaint. KIA is impeding me from completing my GAP claim and utilizing my GAP product as intended!! I dont know how to get them to process my request so that I can successfully use my GAP product and get this nightmare over and done with! HELP!
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| 07/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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I leased a XXXX XXXX XXXX in beginning XXXX of XXXX. I made 36 timely lease payments for {$450.00} due on the XXXX of every month. All 36 lease payments were made on time. The last lease payment which was due on XX/XX/XXXX was paid on XX/XX/XXXX. Technically I had until XX/XX/XXXX to turn in the car but I turned it in early on XX/XX/XXXX. There was a disposition fee of {$400.00} due 60 days after your official turn in date which was XX/XX/XXXX.
On XX/XX/XXXX I received a letter from Hyundai ( see attached letter and for other info ) saying that I owed {$400.00} for the disposition fee plus {$680.00} for wear and tear and {$75.00} for taxes. All totaling {$1100.00}. I sent the letter back saying that I was disputing the wear and tear fee for now but I will pay the {$400.00} disposition fee. Sometime in XXXX I received a call from Hyundai Recovery Department asking if I was going to pay the {$1100.00} and that I only had until XX/XX/XXXX before it was considered late. I said that is wrong because officially I should have until XX/XX/XXXX. Hyundai was penalizing me on the time because I turned the car in early.
On XX/XX/XXXX I called and paid to a Hyundai Representative over the phone {$400.00} out of my checking account for the disposition fee. ( see confirmation number ) Hyundai asked for the balance but I said it was being disputed. We went back and forth over the month of XXXX and finally on XX/XX/XXXX we settled for the amount of {$430.00} because they had over charged me ( see attached letter and payment ). About a week later I get a call from Hyundai saying that I still owed {$100.00} for the balance due and I said no that is wrong, please listen to the recorded tapes and notes. They checked them and found out I was right and they said they would make the adjustment.
My wife and I are applying for a home mortgage and when we checked our credit scores they when from around a pristine 800-825 credit score for both of us down to the mid to high 600 's. The reason being is that not only did Hyundai report to the credit bureaus ( XXXX, XXXX & XXXX ) the {$100.00} as a charge off, which it wasn't, they also said we had a late payment of over 60 days which is not true. When you are disputing a charge with a company, that is NOT a lease payment, ( as stated before all lease payments were made on time ) and they were wrong on the amount they wanted charge me, and you settle for an agreed amount, that should not be counted as a late charge. It was in dispute!
Over decades, my wife XXXX XXXX and I have had a perfect credit and credit scores and we have always without exception have made on time payments. I called the Hyundai Recovery Department to straighten out the {$100.00} charge off reporting error and the late payment situation. They said they would clear up the {$100.00} charge off part but that I would have to write Hyundai customer service to dispute the late fee situation with the credit bureaus. ( see attached letter ) I sent a letter to Hyundai on XX/XX/XXXX explaining the situation asking to please remove the late remarks. I have heard nothing from Hyundai about removing the late fee remarks and the {$100.00} still shows as a charge of on our credit reports.
|
| 10/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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On XX/XX/XXXX, my car was reported stolen. A claim was filed with XXXX and the claim process begun. I reported this to Kia Motors and my account was placed on hold until the claim process was completed. I updated Kia Motors when XXXX stated that they would pay out the claim due to total loss. I was sent claim documentation from XXXX on XX/XX/XXXX stating the amount that was being paid. I also had XXXX coverage through XXXX as well. My total loan with Kia was {$29000.00}. XXXX and XXXX insurance ( through XXXX ) paid out {$15000.00}. I called Kia and informed them of the issue. I stayed in contact with Kia multiple times throughout the claim process stating that the car was not going to be paid off and a balance would be left. I let Kia know that I was attempting to be proactive in the matter and find out what could be done. I was transferred to several customer service representatives and Supervisors and was given no assistance due to all of the payments not being received. I was informed by Kia that they were waiting on a refund check for my XXXX XXXX coverage. Kia stated that they could not give me any more information about my case until this payment was received.
I called XXXX XXXX Kia on XX/XX/XXXX and spoke to a representative that stated that a check would be mailed when Kia submitted the paperwork. I called Kia back twice a week to inquire about options for my account. Kia informed me that they have yet to receive the payment. I called the dealership back and they stated that a check was mailed in XXXX and they could provide me with the tracking number.
I spoke to a representative in XXXX about the options to work on this account due to the balance that was left. I was informed by the representative that Kia only gave one option to the customer. I was informed that the remaining balance of {$12000.00} could be paid in 6 months at a payment of {$2100.00} a month. I was told that due to Kia not making a profit from this account because there was no collateral ( the car ) involved, it would not be beneficial to keep the account open. I informed the representative that there was no way that I could make a payment of {$2100.00} a month, continue to maintain housing, care for my children and continue to work at both places of employment. I was then told that if I could not agree to the terms an pay this balance off in 6 months, the account would be charged off and reflect negatively on my credit. On XX/XX/XXXX Kia closed the account and charged the balance off as bad debit. This had a tremendous impact on my credit. I had this account with Kia for over 2 years and was never late on a payment.
I was not given reasonable efforts to settle this account so that my credit would not be negatively impacted. I 'm almost certain that Kia has sold this debt to a collection agency and will be able to write this off as a loss at the end of the year. This is unfair to be treated in this manner, especially when I had no control over my car being stolen. I paid faithfully every month and maintained by account with Kia. I feel that I have been violated all over again. Once by the thief that stole my vehicle and twice by the company that financed my car loan.
|
| 11/12/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I submitted a complaint # XXXX on XX/XX/XXXX. Subsequently on XX/XX/XXXX I received a fax of notice of toll violation previously unreported to me by XXXX XXXX ( attached ). on XX/XX/XXXX I received a message from XXXX the manger I had been speaking to saying that per my instruction they received the notice of this violation but did not pay. She also informed me they would pay if they received another notice. I was able to reach her by telephone on XX/XX/XXXX. The recorded call call was around XXXX. I told XXXX that I was taking care of the violation per instruction of Delaware Dept of Transportation. I asked again why a notice dated XX/XX/XXXX took so long for them to receive and why I never got a copy. I also pointed out that this was a " Final Notice of Toll Violation. '' The notice she had faxed me on the next day 's violation was just a " Notice of Violation '', meaning there are at least two notices and perhaps an earlier notice before administrative charges accumulate of which I never received notification. the copy of the violation she had previously faxed me me was for {$54.00} but they paid {$91.00}. It is unknown to me whether they were issued a Final Notice invoice for {$91.00} or just paid the new total since they " received it after its due date. She had previously blamed these delays on the mail, but I was told that that the notices went from their office in XXXX XXXX, MD to XXXX to XXXX XXXX, TX and that is where they are marked " received ''. That is 4 weeks. Clearly the delays ware internal to them. She also told me that it took time for them to identify who the lease belonged to as the violation only lists the tag number. I was incredulous and asked if she really wanted to tell me that on a recorded line- that there was an arduous process to match my tag tag number with my identity. I asked if I could talk to her supervisor who could explain in detail this whole process and also explain why they quoted that paragraph in my lease as justification to pay a violation on my behalf without even notifying me, and she said there was no one else to speak with but her. I then informed her that I had filed a complaint with you and would wait until I heard something before I took additional action. She then threatened my credit- yes, on a recorded line. I responded that if that happened I would engage counsel. On Saturday, XX/XX/XXXX i received a letter ( attached ) form XXXX XXXX XXXX with a copy of this last notice in question. You can see it is marked " received " by them on XX/XX/XXXX. Interestingly they were able to mail this to me for me to take care of. I have no idea if this is because I told them not to pay it when I learned of it quite by accident o=r not. That said you can see that even on the back of this final notice there is a page which allows me to correct the mistake and pay the original toll- if XXXX XXXX had given me the chance. Again, all of these issues are the result of a faulty transponder. XXXX? Hyundai had no right to withhold these violations from me, pay violations with added administrative fees and then demand payment from me and threaten my credit. I hope you will act and resolve this on my behalf.
|
| 12/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
My husband and I purchased a XXXX XXXX XXXX on XX/XX/XXXX at the XXXX XXXX XXXX in XXXX XXXX, FL. We took advantage of a $ XXXX discount, offered only if we financed the car through Hyundai Finance, with the intention of paying the car off in full when the first statement arrived ( copy of cancelled check with Pay Off Figure attached ). Three days later, we were called back into the Hyundai Dealership where we were told that an INCORRECT VIN ( Vehicle Identification Number ) was assigned to the initial contracts we signed and as such they were NULL and VOID. We were then asked to sign a second set of contracts with the CORRECT VIN assigned to the car we purchased. The problem was that Hyundai NEVER CANCELLED, the first contract, with the INCORRECT VIN, that was issued in error. According to Hyundai, 2 cars were purchased and they generated 2 account numbers, without ever correcting the VIN assignment. Efforts to correct this error with Hyundai Finance and the XXXX XXXX has resulted in empty promises to correct followed by unresponsiveness. For the past 3 months, we have been inundated with an escalation of phone calls from debt collectors, repossession notices, and delinquent reports to the 3 credit bureaus which has resulted in the collapse of our once excellent credit score. My husband and I are XXXX and XXXX years old respectively. We bought this car to celebrate selling our home in NJ and moving full time to Florida. We did not anticipate to have this marker in our life tainted by such unethical and unfair business practices and a level of unprofessionalism I have not encountered until now. As a result, we have not taken the car out for fear it will be repossessed and we will be stranded somewhere. We decided to take this action after going to the XXXX XXXX in person this week on XX/XX/XXXX. The man who sold us the car very clearly hid from us ( as he had not attended to our numerous messages where he promised to ( correct this problem with the manager ). We were told to sit in a waiting room, when suddenly a man, who does not introduce himself, comes up to us and asks us for a copy of the VOIDED contract and our ACTUAL contract. We were stunned. He did not sit us down, he did not allow us to show him other documentation ( and we have everything ), and he did not apologize for the error that has resulted in inappropriate and unfair attacks from Hyundai Finance. Given the lack of professionalism and the lack of unresponsiveness and accountability to our concerns, we are not confident Mr. XXXX will address these errors. I was so jarred by this encounter, that I followed Mr. XXXX to his office where I asked him for his business card and told him, that I had yet to receive a Bill of Sale for a car I purchased in full back in XXXX, XXXX. He said nothing. We have been attempting to correct this error for 5 months with very similar results. After months of phone exchanges and explanations, we received written confirmation from Hyundai that we paid off our car in full, STILL referencing the INCORRECT VIN. The first contract has not been cancelled and our account remains in default. Please take us off this merry go round.
|
| 12/19/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Every day beginning on the XX/XX/XXXX of each month, XXXX XXXX XXXX - 3rd party collection department calls me about my payment being late. My payment is due on the XX/XX/XXXX. They call 4 or more times a day, do not leave messages, and at least 2 of the calls are now originating from an Unknown number. I answered this unknown number today, I had to ask repeatedly who was calling and the person kept asking me who I am instead of identifying herself as being with XXXX XXXX XXXX ( XXXX ). I have spoken with XXXX several times this year, and they record their calls. I have informed them that as of this year XX/XX/2018, my payday was changed to the 4th Wed of every month. I asked if they could move my payment date so my payments would be on time instead of 9-15 days late depending on the month. I was told to defer the payment instead. The person did not advise at that time that to qualify for payment date change, I can not have any extensions or deferred payment for 6 months. In XXXX, I asked them for help with my payment date change and was steered to a deferral of the payment to the end of my term. I was not advised that I would not be able to change the due date if I agreed to this action. I have called and written to them several times about changing my due date. This loan over 3 years old and I have never been 30 days late. However, they have deferred several payments and never informed that the due date change could only occur if the deferred payments did not occur within the past 6 months. They are now harassing me with calls the day after the XX/XX/XXXX, refuse to identify themselves, do not leave any messages, and now the calls are escalating in number to 4 or more times a day with some of these calls being from an unknown number. I feel harassed and I have several XXXX and illnesses where this harassment is creating unnecessary stress and duress. I have informed XXXX that I will continue to make payments and that their tactics are the reason the collection calls continue. Had they advised me of the due date change option accurately and appropriately, there would be no need for collection calls as my payment would be on time each month instead of 9-15 days late. I would also not being paying unnecessary interest and fees if they had informed me of this choice accurately instead of deferring multiple payments throughout the term of my loan. I still paid them within 2 weeks of the deferrals when I received my money. However, they do not apply the payment or any overage payments ( I almost always send more than the payment amount due ) to the principal balance of my loan as I have instructed on numerous occasions through their website and speaking to customer service. Instead, they lower the payment amount due on the next month. I feel like this loan should have a lower principal balance due to the instructions I tendered for application of my payments, and the harassment should stop. Stress exacerbates my illnesses, and harassment from XXXX is causing stress for me at this point. They have violated the FDCP in numerous ways as well as conduct predatory application of the money I send to my principal balance.
|
| 09/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
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In XXXX of XXXX I walked into XXXX XXXX of XXXX and was approved through Hyundai Finance for a purchase on a XXXX XXXX XXXX which I gave a {$2000.00} down payment I was sold gap insurance without the option of not having it I was told I had to have that protection on the car. I proceeded with the sale of purchase. Fastfoward to XX/XX/XXXX I recieved a call from XXXX XXXX of XXXX NC where I live now and they told me that XXXX was buying back their XXXX XXXX XXXX and other models. I went into the dealership and was told that I could get a brand new XXXX XXXX financed again through Hyundai Finance again and that they would pay off my current car loan at the time which the total on my bill of sale was for {$19000.00}. I did not have to put any money down I said ok. I also was told that since the car had XXXX on it that they are paying off XXXX would owe me the money left on the XXXX contract. I did that process XX/XX/XXXX and received a letter of conformation that it was closed on XXXX XXXX from the cancellation department with Hyundai Finance. I then was told that the check would come from the dealership I orignially purchased the car from which was XXXX XXXX of XXXX. I called on XX/XX/XXXX and talked to patience with the accounting department at XXXX XXXX of XXXX and was told a check was sent to them from the XXXX cancellations department and she fowarded my check on XX/XX/XXXX to Hyundai Finance which they recieved on XXXX XXXX, XXXX. I proceeded to ask her why she would send it to them if a bill of sale was provivded to their office and she said that they did not give a letter to them stating that the car was paid off and that a bill of sale was sent but it does not come to her office. XXXX then stated that Hyundai Motor Finance would reiusse the check. Whenever i call the XXXX number listed for Hyundai Motor Finance it states the car is paid off and that they recieved a check for {$550.00} which is for my XXXX XXXX cancellation. I recieved a letter from Hyundai Motor Finance on XX/XX/XXXX stating that the car had been paid off and that all leins had been released and the title for the car would be sent to the dealership listed which is XXXX XXXX in XXXX NC. On XX/XX/XXXX I spoke to Hyundai Finance and was told they seen the the check and that it would escalated to be sent out in 7 days. On XXXX the XXXX I called and was told the contract belonging to this car was still active and their is now a balance on the car after I explained to the represenative that it was an error I was told it would escalated and handled and closed so I could recieve my check. On XX/XX/XXXX I was told from an alleged manager after asking to speak to a manager named " XXXX '' " We dont owe you nothing, you will not get any money until we get the XXXX on the account ''. At this point I am frusrtated because of how nasty she was I told her it was fraudulent and that you can not recieve and apply a payoff payment as future car note payments and not release my XXXX XXXX cancellation check. I am now looking into legal action against all parties involved because I feel this predatory on all ends. Please i need help with this matter.
|
| 06/09/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
On or about XXXX XXXX, XXXX, I visited XXXX XXXX in NJ. When I was at their place, having no intention to purchase that day in question, they told me that it was my lucky day and that they will give me a great deal in exchange for my XXXX XXXX. I am a person having very basic knowledge of XXXX, and before I knew they had all the paper work in place for me to sign. I told them that the vehicle is also in my son 's name, and he will need to sign too. To which they said there was no need. I do not know what they did about it. I wanted to test ride, they gave me none, in fact told me that I can return the vehicle anytime I wanted to, which is what is a very good thing about lease. I was misled and was pushed around. Car Dealership did not give me the credit they promised for XXXX, and in fact when I demanded they explain they could not. They gave me a leased car ( of which I had no understanding and in fact misrepresented on ), a very very basic model, which only had AM/FM when I was promised more, it did not have navigation, which I was promised earlier. Yet the price they charged and monthly lease payments ( {$410.00} per month ) generated is not for a basic XXXX car, but what easily can be for a very good name brand with great features. In short, not only they took my car, without my son 's signatures, despite myself bringing it to their attention, they made sure that I walked out with a big exploitive win for them and a big liability for myself, a liability I did not understand, as I got a car on terms I had no clue about. I was misled on, a very basic model with none of the features I was promised, and numbers the dealership manipulated very well that it would make your head spin. I was simply pushed around and bullied. When I asked for my car back and undo the deal they wanted to do nothing about it. When later I visited the dealership with another individual, at which time when my son 's ownership issue brought up again, and how they could have overlooked, they tried denying having any knowledge about it - which I or anyone would find hard to believe, because this is a fact that can be easily checked- but later seems to reluctantly agree that I had mentioned. Given the current state, I am being pushed to make my monthly payments on a car I was misled on which I have resisted, learning only later that it was leased with no return at any time, as they had represented, of which I had no knowledge of, what it was all about. But most of all, they have tried converting my son 's property without his permission, even when I personally reminded, and this is a fact one can easily confirm, especially a car dealership would easily have it confirmed. In short, I bring it to this ageny 's attention not only to seek a just result and undoing of the transaction, but because, I do not want anybody else to suffer at the hands of this dealership ( XXXX XXXX ) and its finance company ( KIA Motor Finance ) as I did. I want the entire deal be undone and such dealerships and their finance companies because of their agents be brought to task. They know how to prey on innocent consumers, whom they can manipulate.
|
| 04/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
XXXX/XXXX/XXXX My husband and I were victims of a fraudulent transaction at XXXX XXXX Hyundai. We were convinced or rather " conned '' into trading in our 4 month old XXXX Hyundai Elantra for a more expensive vehicle ( XXXX Sonata ) with the promise of a XXXX XXXX passenger van. The van transaction was being done on the side and being delivered from their " repo lot '' in XXXX. This entire transaction took place at the dealership with gentleman XXXX XXXX XXXX XXXX XXXX XXXX XXXX sales XXXX ) who both represented themselves as employees. Once the paperwork was signed, XXXX XXXX said he had to take the new XXXX to XXXX to bring back the van. We took home the ( trade in ) Elantra until he returned with the van. On XXXX/XXXX/XXXX we still did not have the Sonata or the new van so we called the dealership and spoke to XXXX XXXX and demanded the Sonata back or would call the police. A gentleman by the name of XXXX XXXX returned the Sonata to our place of residency this same day with XXXX miles on it. On XXXX/XXXX/XXXX, XXXX Al XXXX came to our home and picked up the XXXX to ( reportedly ) take to the dealership as this was the car we were trading in. We were told the van would still be delivered to us this same week.
After being ignored by all staff at the dealership and hung up on, we filed complaints to various agencies and asked to see the owner of XXXX XXXX Hyundai. We met with the alleged " partner '' XXXX XXXX who stated he had no knowledge of such transaction and denied knowing XXXX XXXX XXXX XXXX XXXX. XXXX XXXX stated he felt horrible and would help us get a van and into a less expensive vehicle. After a couple of weeks, we were financed for a XXXX XXXX XXXX on XXXX/XXXX/XXXX. This was our only sincere interaction with XXXX XXXX. During our meeting, XXXX XXXX denied knowing XXXX XXXX and XXXX XXXX. Both XXXX XXXX and XXXX XXXX reported to us that neither men work for XXXX XXXX Hyundai.
On XXXX/XXXX/XXXX we were called into the dealership to resign paperwork since wife changed employment. When my husband went to the dealership he was told the financing did NOT go through and they took the Malibu back. He was NOT offered the Sonata back. I had to go to the dealership to pick my husband up ( The Sonata was seen for sale on the lot ). Hyundai Motor Finance called several times demanding late payment for the Sonata. We explained what happened and requested cancellation of the loan since dealership had the and still has the XXXX. XXXX XXXX stated he would pay the first month payment of the loan as a goodwill gesture ( see attached- it 's not even the right car ). When I called Hyundai finance, no payment had been made.
We believe this was another attempt to deter us or defraud us.
We have NO idea how we got financed for the vehicles since our credit is less then average XXXX we upgraded. No money down ; trade in was a new car. We had also gone to XXXX other dealerships prior and were denied.
Also, after checking credit reports, we have OVER XXXX hard inquiries from XXXX XXXX Hyundai, Hyundai Motor Finance and XXXX XXXX XXXX on both of our credit reports. without permission
|
| 12/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XX/XX/2019 I purchased a XXXX XXXX and took out a 48 month 0 % interest loan with Hyundai Motor Finance in the amount of {$16000.00}. The first installment of {$330.00} was made on XX/XX/2019. On XX/XX/2019, after driving the vehicle XXXX miles during the 64 days of ownership, the car was rear-ended by another motorist. 100 % liability was accepted by the other motorist 's insurance company which is XXXX XXXX. As of XX/XX/2019 XXXX XXXX deemed the vehicle to be a total loss. After a minimal amount of negotiating with XXXX XXXX we agreed on a settlement amount of {$14000.00}. I made my second installment payment of {$330.00} on the due date of XX/XX/2019. As of that date the payoff balance was {$15000.00}.
In the remainder of this narrative I am reporting on what I have been told by the parties involved. XXXX XXXX has forwarded to me the documents they purport to have sent to Hyundai Motor Finance. I have nothing from Hyundai Motor Finance to support any of the information they have provided over the phone.
On XX/XX/2019 XXXX XXXX sent a letter of valuation to Hyundai Motor Finance and requested a Letter of Guarantee. In the period between XX/XX/2019 and XX/XX/2019 I made multiple calls to XXXX XXXX and Hyundai Motor Finance to learn the status of the situation. XXXX XXXX said they were waiting for the Letter of Guarantee they needed to issue the check for {$14000.00}. Hyundai Motor Finance claimed they needed the valuation. On XX/XX/2019 State Farm called Hyundai Motor Finance and the latter 's representative confirmed that a Letter of Guarantee had been sent out that very day and at XXXX XXXX 's request he would have a fax of the document sent out. As of this morning at XXXX XXXX on XX/XX/2019, XXXX XXXX has received no document, hard copy or fax. The latter despite the fact that on at least 3 more occasions in the interim, Hyundai Motor Finance has been called, has been requested to fax the document, and has confirmed they have again done so.
Although Hyundai Motor Finance has never suggested that this might be a sticking point, today ( XX/XX/2019 ), I made an installment payment ( actual due XX/XX/2019 ). Rather than the amount due of {$330.00}, I made the payment for {$400.00}. As a result, the balance due as of today will be {$14000.00}.
I do not know whether my actions today will finally incentivize Hyundai Motor Finance to actually send the requested Letter of Guarantee and in your eyes make this complaint moot. However, I can tell you that this incident and specifically our treatment by Hyundai Motor Finance has been a nightmare for both my wife and me, who are both senior citizens. At this point our credit rating has dropped at least 25 points having to have two car loans open at the same time. In addition, a check of Hyundai Finance 's XXXX page and relevant consumer watchdog sites reveals that such treatment as we have received is apparently standard operating procedure for this company. I am not asking for any financial remuneration. I am asking for help in making this nightmare end and ideally helping others not to have to experience it.
|
| 01/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, 2015 I wrote to Hyundai Finance at the addresses ( there are XXXX different ones ) listed on my credit reports regarding an outstanding balance of {$180.00} they were reporting. Their response dated XXXX XXXX, 2015 listed a vehicle purchased at XXXX XXXX in XXXX, XXXX Their letter, it should be noted, included no suggested method of payment and included the disclaimer that as an 'original creditor ' they are not subject to the FDCPA. I wrote back on XXXX XXXX, 2015 to explain that I had never purchased a vehicle at XXXX XXXX ( in fact had never been to XXXX, PA XXXX but that I was willing to pay the {$180.00} to get this delinquent balance off my credit reports if they would provide an invoice or some other way to pay. That letter was ignored. I sent a subsequent letter, and received in response a bill of sale from XXXX XXXX XXXX in XXXX, PA NOT XXXX XXXX of XXXX, PA. It should be noted, XXXX and XXXX are on opposite sides of Pennsylvania. It should also be noted that despite my pleas, there was nothing in the envelope but the bill of sale. There was no explanation. There was no statement of how the {$180.00} balance was determined. There was just a piece of paper that directly contradicts the previous letter from Hyundai Finance. I wrote a follow-up that was ignored. I also submitted several contact attempts through the Hyundai Finance website which were also either responded to with a generic reply or ignored. It seemed I was left with no other option but to file a complaint with the XXXX regarding this matter. I did so on XXXX XXXX, 2015. Subsequently, I was contacted by XXXX XXXX of Hyundai Capital. XXXX XXXX, however, would only agree to speak to me on the telephone, even citing a 'company policy ' to 'not communicate an ongoing conversation by email '. I responded to XXXX XXXX to explain that any verbal explanation over the phone, or any discussion of a settlement to this dispute, would need to be IN WRITING, so could he please advise if he is willing to put any documentation and/or promises in writing? I received no further response from him. Hyundai responded to my XXXX complaint by suggesting I file a fraud complaint if I do not feel I actually purchased the vehicle in question. A follow-up to that complaint received the same response, either I could file a fraud complaint OR I could take this matter up with the CFPB. So here we are.
I will NOT file a fraud complaint as having such notations in a credit bureau file can lead to adverse action on other positive accounts as well as can impair the ability to acquire new credit. There is no valid reason I should have to suffer further damage to my credit due to the inability of Hyundai Finance to resolve this matter. Additionally, I simply wanted an explanation of how this {$180.00} balance was determined and a way to pay it if it is valid. There was no thought nor accusation of fraud until Hyundai Finance sent me a letter stating the vehicle in question was purchased at a dealer I had never been to in a city nowhere near my home. THEY are the ones with conflicting information, not ME.
|
| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I had never turned in a lease before. I contact XXXX XXXX XXXX in XXXX, XXXX, XXXX and XXXX to ask questions about the process. They told me to have my car inspected in advance of turn-in in case there was anything beyond wear and tear I wanted to fix.
I did that. They booked it, the inspector came out. On my 2 vehicles He found : 1 Scratched Rim, 1 chipped windshield, and hail damage.
I told him it was acorns and that the charge for hail is extreme, but he said its all the same.
So I decided Id get the acorn damage fixed to avoid the {$470.00} charge.
I asked the dealership I was getting my next lease from if they had anyone theyd recommend. They gave me the contact of the guys they use for dent repair.
The gentleman quoted me {$250.00}. He asked to be paid in cash but provided me the invoice/receipt as promised and did a spectacular job. I photographed the flawless car.
When my end of lease bill came, I called XXXX XXXX and paid everything except for the acorn/hail charge. Both cars disposition fees, and the rim and windshield fees. I followed instructions and emailed my receipt and photos of the repair.
They told me to expect the balance to settle after a brief review period.
Instead I received a text notifying me that Im delinquent. So I called and they explained that the invoice I sent was not sufficient because a portion was written in.
I contacted the repair guy and he said this is how we do it. We write in your vin, your price and your repair. So I called XXXX again and they said we cant tell this is a legitimate business. Do you have a business card, contact information? To compare to whats on the invoice?
I did, I sent that too. Then XXXX said theyd call me if they had any issue. They didnt call but a couple weeks later ( mid XXXX now ) I got another delinquency text. So I called them.
I was told that theyd investigate the reason the balance was still there and get back to me. When they did, they said they need to contact the repair guy and verify he has a real business and really did the repair ( my pictures were high resolution and showed that, but they wouldnt accept that ) and that if they were satisfied theyd close out the balance. If not, theyd call.
They didnt. But two weeks later another text. So I call them again. In tears. What more do you need? What more can I do? They said if we dont have a credit card or debit receipt, we can not consider it repaired and clear the balance.
Despite all my advanced calls asking for any and all requirements, they never once said that repairs must be paid for in cash. Never.
They now are telling me to pay the balance or go to collections. The car has no damage, none. Its beautiful. But they say they have no way of knowing that.
I have already paid {$250.00} to repair the dings, I can not paid {$470.00} on top of the {$250.00} ... that was paid to alleviate the {$470.00} in the first place.
Further, I sent all my text messages dating back to my first interactions with the repair guy, I sent them his request for cash, everything I can think of, Ive done.
Please help me!!
|
| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I was contacted earlier this year by a person claiming to represent Hyundai stating that I had a past due balance on my account. At that time, I was unaware of any balance due, and had already turned in this leased vehicle to the dealership months earlier, in favor of a renewed lease on a newer vehicle. While speaking to the agent on the phone, I logged into my account at hmfusa.com, and saw that I have a {$0.00} balance. My most recent statement for this account was dated XX/XX/2019 and showed Total Amount Due {$0.00}.
Considering I had an unknown person calling me unsolicited and asking for money, while giving me conflicting information from what my online statement showed me, obviously this raised red flags. The agent was unable to tell me why my online account showed no balance due, or what the amount owed was for. The agent advised they would mail me an invoice showing me the balance due, which I agreed to review and pay if it was in fact legitimate.
This invoice never arrived. I have still yet to receive any piece of paper showing what the balance owed is for.
Moving forward, I have been in the process of refinancing my home. Earlier this month, my mortgage broker advised me that they noticed a sharp drop in my credit score from one day to the next. I immediately reviewed my credit report to find that Hyundai reported my account as seriously delinquent, for a vehicle I had turned in more than six months ago, and for an account to which I have no statement showing I owe any money. To add to this, my account was enrolled in autopay, which served to pay any balance for the duration of my lease. Any money owed should have just been debited from my account, but that is not what happened.
I have since attempted to resolve this matter with Hyundai Motor Finance over the phone over multiple occasions. I was transferred, hung up on, and lied to. I was told I would receive a call back from a manager within 72 hours, only to find out a week later that no managers make outbound calls, and that there was no record of that request on my account.
I have since paid the balance due, despite still not seeing any invoice to indicate what it was for, as my concern for the $ XXXX dollars that I was told I owed is far less than the impact this has taken on my credit report. I have worked very diligently throughout my life to maintain a flawless credit score, however this incident has taken me from over 800, to in the 600s at the time of this writing. I am in the process of trying to refinance my home, and this incident is severely impacting my ability to do so, and in turn costing me FAR more money than the {$300.00} Hyundai requested ( and in turn received ) from me.
I have now sent a letter in writing to Hyundai, as I was told this is the only method I am able to communicate with their disputes department. I initiated a dispute with XXXX when this first appeared ealier this month, however just today this has now appeared on my XXXX report as well, despite having already been paid!
I have attached the most recent statement I have for this account.
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| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$420.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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| 01/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a new Hyundai XXXX XXXX on XX/XX/XXXX from XXXX Hyundai in XXXX XXXX ( Dealership is now closed ). The vehicle is financed through Hyundai Motor Finance, a service brand of Hyundai Capital America. The monthly payments were {$460.00} since XX/XX/XXXX ( see attached payment history per Hyundai Motor Finance and XX/XX/XXXX billing statement ). During the COVID-19 Pandemic period, the monthly payment has increased to {$510.00} since XX/XX/XXXX. Hyundai Motor Finance changed the terms of the loan contract/agreement. This is in violation of the Truth in Lending Act ( TILA ), the Consumer Credit Protection Act, TILA, implemented by Regulation Z ( 12 CFR 226, the Fair Credit Billing Act, the Consumer Leasing Act and, the Truth in Lending Simplification and Reform Act of 1980.
It appears that there may be predatory, unfair, or deceptive practices occurring during the Pandemic.
Ive contacted Hyundai Motor Finance by telephone ( XXXX ) XXXX ) six separate occurrences from XX/XX/XXXX to XX/XX/XXXX to request an adjustment and nothing has been done. Each representative has said the increased payment amount is an error.
I completed the increased monthly payment on XX/XX/XXXX for {$510.00}.
1. XX/XX/XXXX XXXX with Representative XXXX He said my payment should be {$480.00} and sent an email to request the adjustment. The billing statement would be corrected in 5-10 business days.
2. XX/XX/XXXX On hold for more than 30 minutes. Spoke with XXXX, Customer representative. He said XX/XX/XXXX email went to wrong department. XXXX sent another email and said monthly payment correction would be made from {$510.00} to {$480.00} 3. XX/XX/XXXX XXXX in Customer Service sent escalated email to correct payment to original contract amount of {$480.00}. No change was made.
I completed monthly payment on XX/XX/XXXX for {$510.00}.
4. XX/XX/XXXX XXXX, Customer Service reviewed account, saw various attempts to request change through emails. I requested to speak with a supervisor. Spoke with XXXX. She sent escalated email to correct increased payment to original contract {$480.00}. Requested that my loan be rebooked. Said the change would occur within 5 days. No change was made.
5. XX/XX/XXXX, I sent an email on the website ( XXXX ) to dispute {$510.00} monthly fee. Never received a follow up message at all.
I completed monthly payment on XX/XX/XXXX for {$510.00}.
6. XX/XX/XXXX, I spoke with XXXX, representative. She stated that the payment would be adjusted to {$480.00} and she and her supervisor Ms . XXXX XXXX would be sending an email to the payment processing department.
It is now XX/XX/XXXX and no change has been made. Ive sent an email through the website today.
I just made the XXXX payment of {$510.00} on XX/XX/XXXX.
Im on social security XXXX and receive a fixed income. I was hit by a car while walking across XXXX XXXX in XXXX. I was in assisted living from XXXX to XX/XX/XXXX and now we have COVID-19 Pandemic. This is an extreme hardship. Ive attempted to rectify this issue with the customer service representatives to no avail.
|
| 09/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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My KIA lease was turned in on XX/XX/XXXX. I called immediately after the lease was turned in and I was informed that I was not able to make a payment until the final invoice was issued.
The final invoice was issued on XX/XX/XXXX. At that time, I had not received an update in regards to the Excess Wear and Tear reimbursement that was due to me ( around {$700.00} that I still have not collected ) so I reached out to KIA for an update and to also inquired about the payment terms of the final invoice. During this phone call, I was assured that there was NO DUE DATE for the final invoice due to COVID 19 and I could to pay the final invoice after I have received an update to the Excess Wear and Tear reimbursement.
I continued to reach out to Kia a total of XXXX since XXXX. Each time inquiring about the excess wear and tear and also inquiring about payment terms on the final invoice. Each time I spoke with a customer support agent they shared with me that there was NO FINAL DUE DATE for the outstanding invoice due to COVID 19 and one agent even shared with me that they had adjusted the payment to be due in the middle of XXXX. Regardless, I decided to pay the balance due since my wife and I entered into Escrow on our first home purchase. I made multiple payments, two payments were made on XX/XX/XXXX and the last and final payment was made on XX/XX/XXXX.
Each time I spoke with customer support I stressed that I am in escrow for my home and I need to make sure that my account stayed in good standing - each time they assured me my account was in good standing and they showed that I have an A+ consumer rating on a scale of A-D in their internal system. I never received any notification in writing from KIA that my account was past due or that the payments I made were late, or going to be marked late. I have to stress that I have always been the one who initiated the conversation with the end of the lease and payoff.
There is NO DOUBT that KIA has violated every required step that protects consumers under the Fair Credit Reporting Act of XXXX.
The worst part is that I am in the middle of purchasing my very first home and this erroneous late charge has resulted in a 81 point drop in my FICO score. The change to the interest rate because of KIA 's error will be an increase of $ XXXX/mo to our mortgage. This is detrimental, heartbreaking and unacceptable.
I have attached a call log breakdown in the documents section of the dates/times that I reached out to KIA ( local dealership for drop off and corporate contact ). The log does not include the 3 most recent calls that were made on XX/XX/XXXX.
I kindly ask that you PLEASE help me resolve this ASAP. A gentleman I spoke to this evening from KIA finance support ( 15th time I have called ) stated that he was filing a complaint for me but it would take a minimum of 30 days for my complaint to be resolved. I DO NOT have 30 days. As stated multiple times, my escrow is set to close during this time.
I also want to add that not once in the 4 year lease term was I late on ANY payment.
|
| 07/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Note : I filed a complaint with the company already. however, the manager in Customer Service advised me he did not think anyone from the complaint department would get back to me. The manager acknowledged the issue, but did not know what would be done do fix it.
Recently, Kia Finance made changes to their statements and ( and according to the manager ), their payment application hierarchy. This has made the statements very confusing and the hierarchy change was never communicated to me.
Prior to the change, if I prepaid my lease one month in advance, I would get a bill indicating a due date and an amount owed as XXXX ( Example attached XXXX. Now, even if I am prepaid, it still shows me an amount due and the date it is due because the company keeps advance payments in suspense until the due date ... and then applied them..
This application of payment may be legal or not, but Kia has a systemic issue the CFPB must address, and it is that Kia repeatedly dose not have correct information on Statements ( Example attached ). For instance, even though my XXXX payment was made prior to the statement date, it is not reflected anyplace in my XXXX or XXXX Statement, which causes confusion. XXXX Both attached ) When I called today, I was given misinformation at the first two levels ( CSR and 1st level manager ) and my call was escalated to a higher level manager in customer service who assured me my XX/XX/XXXX payment was applied, and that it should have been listed on my subsequent statement. This needs to be fixed.
So my complaints are : 1. I want my payments applied on the day of receipt and not placed in suspense.
2. My XXXX Statement is incorrect and does not reflect my XXXX XXXX payment. I want it fixed for my records. Either that, or i want it reflected on my XXXX statement.
3. Kia finance does not break down how your payment is applied on a statement. If you owe {$540.00} and pay {$600.00} they initially place your entire payment in suspense till the due date instead of applying it. Then, on the due date, the place the extra {$53.00} in suspense so that the next month, it can all happen again and they then take the {$53.00} in suspense and apply it to your payment, place your payment in suspense, and apply it on the due date - so even though you pay extra each month - you never get ahead and your payment amount never changes. The {$53.00} is just carried forward in suspense in perpetuity. If this is legal, it needs to be disclosed on the statement as such. I want my payment application broken down on the statement and for the statement to read I owe zero that month if my payment was already received. Kia is telling me I owe money, even though I do not, just because they'd like to keep the money in suspense. I f I sent it, and they got it ... I don't owe it.
4. I'd like my past payments properly applied on the date of receipt and interest recalculated.
5. The statements with improper information problem is clearly a systemic issue. I'd like my future statement to be correct and accurate.
|
| 06/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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I purchased 2 new XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I traded in two XXXX kias for them. The contract stated that the pay off the old loans on the XXXX kias and the new loans and first payment was due in XXXX. I would have no payment from then until XXXX. I surrendered the titles to the XXXX cars and left with my XXXX kias.
This was on XX/XX/XXXX, AS STATED BY THE CAR DEALER NO PAYMENT WOULD BE DUE UNTIL XXXX. I was also told to expect checks in the mail for the difference in warranties, gap etc.. Once the paperwork all went through.
But on XX/XX/XXXX Kia Finance auto debited the payment for the XXXX car I no longer owned and had surrendered/signed over to the dealer 2 days prior for XXXX. This would have been the due date for the XXXX car, had I not traded it in as it was on auto pay. I contacted my bank who informed me since I did not own the car and the transaction was still processing, they would put a stop payment on it, and I authorized this. The XXXX was refunded.
On XX/XX/XXXX I got a check from Friendly kia for XXXX and then one for XXXX stating difference on payoff for trade in. and I cashed this checks in what appeared to be overpayments. Without a letter of explanation or instructions, I took this to mean this was the money owed to me for overpayment that salesmen talked about on XX/XX/XXXX XXXX XXXX XXXX I received a letter stating this was paid in full. It stated your retail installment account was paid in full. In addition, the car dealer XXXX XXXX, got the title released from Kia Finance and re-sold the XXXX kia.
Apparently on XX/XX/XXXX my bank reversed the payment of XXXX on XX/XX/XXXX. The letter clearly stated I was not responsible for the debt. ( You cant pay for something you no longer own that was re-sold and paid the person who bought it ( XXXX XXXX ).
Now, Kia Finance has illegally re-opened this account and is charging 6 % interest daily stating they were paid right they claim they were owed XXXX but the dealer only paid XXXX yet they sent me the paid in full letter and released title to the kia dealer. This is a difference of {XXXX -- -so even if the stop payment for a car I no longer owned or owed on that I did on XX/XX/XXXX had anything to do with this that amount was only XXXX and would not have given this amount.
XXXX XXXX states that the dealer was given this XXXX payoff amount on both XX/XX/XXXX, and XX/XX/XXXX. On the phone they stated that this payoff amount of XXXX already included the XXXX XXXX payment that was not yet made but this was clear to the dealer and it should have been sent to them as part of the payoff amount, but instead they got this lessor amount of XXXX.
The dealer only paid them the XXXX yet they released the title and sent me the letter on XX/XX/XXXX saying the debt was paid in full. In addition the dealer says this is the only amount kia requested.
Can they do this and open back up and hold me responsible for a debt they already cleared and said was paid in full. And claim they did not get enough money?
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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|
XXXX XXXX Letter of Explanation of account ( s ) in dispute submitted to credit agencies XX/XX/XXXX The account in dispute is the Hyundai loan from XXXX for a leased car.
XXXX turned in the Hyundai about 60 or 90 days prior to the end of the 3-year lease. At the time the car was actually turned-in, I tried to pay off the remainder of the balance, but Hyundai told me they would send a final bill for the remaining balance on the lease. Thirty days later, I had not received the final bill so I called them. They indicated that the bill had been sent hardcopy ( via mail ) three weeks prior and the payment was required within ten days of the invoice being issued- hence, the payment was already overdue by approximately a week.
While on the phone with Hyundai, I explained that I did not receive a paper bill in the mail and also that I had always received and paid our bills electronically. I confirmed payment arrangements and sent the payment via bank transfer - all while still on the phone. I informed the agent that the payment had been made and the call ended.
Several weeks later, as I was balancing the check book, I noticed that the final payment made to Hyundai had been recently returned to our account, as the recipient had failed to process the transaction.
I called Hyundai again and explained they had failed to process our final payment. Again, I confirmed payment arrangement and made the final payment via bank transfer while still on the phone.
Several months later ( around XXXX XXXX ), late payments up to 120 days appeared on my credit report. I entered a dispute as it is my opinion that the late payment for the final balance was not due to our oversight or negligence but rather that of Hyundai. In the dispute, I provided copies of our bank statements indicating that the final payment made ( which was one or two days late at the time ) had been returned due to lack of processing.
I've tried several more times to dispute the late payments on my credit reports and was denied each time by Hyundai. In the past almost 7 years, I've purchase two new cars, got several loans, remortgaged our house, etc. all while having these late payments on my credit reports. I believe that these late payment notices on my credit reports have impacted the interest rates on all of the aforementioned personal business dealings and more. The late payments are still on my credit reports.
Recently, I became of a lawsuit in which Hyundai settled in XXXX to pay {$19.00} XXXX due to incorrect credit reporting practices to the credit agencies. This has effected my life not only financially but emotionally as well. I would like to be part of this settlement and if my name is not already on the list of the millions of consumers that were affected by this, then I would like to know how I can get my name on the list.
Lastly, I can provide the original letter that we sent to Hyundai back in XXXX along with our banking statements showing our attempts to pay the outstanding balance of the lease when we turned in the car.
|
| 05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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In XXXX, XXXX, after making all of the payments required, I returned a 2015 Hyundai XXXX that was leased back to the dealership. When I turned the car in, I asked the gentlemen if they needed any information from me or payment and they said, no, we dont need any other information from you, you are good to go. This was an opportunity to verify my address, phone and additional contact information. No information was collected from me while turning in the car.
Sometime in the early XX/XX/XXXX, I received a call from Hyundai collections department claiming that I had an outstanding balance for the lease turn in. I had advised them that this was the first Id heard of this and that I had received nothing in writing from Hyundai nor any calls. I asked for the information in writing so I could see the breakdown of costs. I received the breakdown via fax on XX/XX/XXXX at XXXX XXXX. After reviewing the breakdown, I paid the amount on XX/XX/XXXX in the amount of {$710.00}, check # XXXX. The check was posted / cashed on XX/XX/XXXX.
Furthermore, the collections person was extremely rude and continuously argued and talked over me the entire conversation.
I made 3 years worth of payments, fulfilled my obligation and should have been an exceptional customer to Hyundai.
Had Hyundai contacted me sooner and given me the opportunity to make the payment, I would have settled payment within a reasonable period-of-time, much like the timeframe of the final settlement outlined above.
The result of reporting me delinquent to the credit agencies has resulted in financial loss ( roughly {$8700.00} - the difference between 4.25 % and 4.375 % new home loan ) via the interest rate I received from my mortgage company. My credit score dropped over 80 points.
I sent a letter regarding the same XX/XX/XXXX asking Hyundai to correct my credit report. After waiting 30 days from the sent date, I called Hyundai and spoke to a manager. She stated that they will fix the credit reporting. I received a letter ( see attached ) stating the same. The letter stated to allow 30 to 60 days for processing. I placed a 60 day calendar to follow up with the credit agencies.
I called XXXX and XXXX on XX/XX/XXXX to see if they had received any information from Hyundai. Both agencies claimed they didn't receive any information from Hyundai Motor Finance. I filed disputes with both agencies.
I called Hyundai on XX/XX/XXXX to discuss the matter and to obtain status. After speaking to another manage, she claimed they updated " late payments '' but they would not be removing the delinquency which is impacting my credit score.
The letter Hyundai Finance sent on XX/XX/XXXX acknowledged my letter, the dispute and stated they would update it. This was deceptive in that they acknowledged my dispute but stated they would not correct the delinquency.
It appears they have violated FCRA requirements and did not update the credit agencies even though their letter clearly stated they would. Their deceptive practices has caused me financial loss.
|
| 11/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Original Creditor : kia financial XXXX XXXX NOTICE FORMAL REQUEST FOR VALIDATION OF ALLEGED DEBT : Dear kia XXXXXXXX XXXX XXXX This is notice of my formal request for validation of debt in accordance with the fair debt collection practices act pursuant to 15 USC 1692g. I have noticed that your company has put this alleged account on my credit report with no prior written notice giving me an opportunity to formally dispute this account. This is a direct violation of my consumer rights. I dispute any validity of this account and demand that that this account be removed immediately from all credit reports.
I am not aware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX and therefore am not liable to repay your company any money for this alleged debt. So that I may further assist you I am requesting that you validate the debt. Validation differs from verification whereas I am challenging the authenticity of the alleged that you are attempting to collect please provide me with a true copy of 1. The authenticated contract or note with the signatures and next thereto.
2. The accounting and general ledger statements showing the full accounting of the alleged death that you are now attempting to collect.
3. The name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt 4. Verification under penalty of perjury that as a debt collector you have not purchase evidence of the debt and you are proceeding with collection activity in the name of the original maker of the note.
5. Verification from the stated creditor that you are authorized to act for them.
In accordance with the fair debt collection practices act person went to 15 USC 1692f, the collection of any amount ( including any interest fee charge or expense incidental to the principal obligation ), unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
NOTICE OF DISPUTE I am disputing any interest regarding the above account whereas I believe the correct balance owed is XXXX. Please update the record with XXXX XXXX and XXXX notifying them that interest portion of the alleged it is in dispute. If you are unable to validate the information within 30 days the account must be deleted. The debt is considered to be invalid until I receive the contract requested at the address provided above. If the above is not done within 30 days from receipt of this letter, you will be sued and liable in federal court for violations pursuant to the FDCPA and punitive damages for harming my credit score and wasting my time addressing this frivolous alleged debt. also they had sold the debt 3 different so there are 3 debt collectors trying to collect on a debt was paid from insurance company. XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX kia fin America XXXX XXXX XXXX acct XXXX my rights was violated would like to sue for XXXX for codes they broken and hardship this had caused me. thank you for your time
|
| 03/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
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I applied for a loan with XXXX XXXX and had purchased XXXX vehicle during the month of XXXX 2014. I was told that I would be getting a good deal on the vehicles in which i purchased. I later found out that the interest rate charged for the loans at the time was almost XXXX times that of the average consumer for the credit score that I had and when I came back to speak to the finance manager. The dealership had let her go for fudging many of the loans and jacking up many customers interest in order to make a higher commission and she was no longer employed with the company due to her increasing many loans on the interest that some of their consumers were paying. The dealership as of today 's date has never contacted me and had i not inquired I would have never known the truth. When I applied my credit score was showing XXXX approximately and thought that I would get the lowest interest rate at the dealership offered but instead I received an interest rate that was nearly XXXX of that of the regular consumer. I am requesting an investigation on the lending of loans and services of this company based on the following Discrimination based on race, and color, gender for I was charged a higher rate than other consumers of a different race, gender or color I request an immediate investigation on the loans that were processed during the time that I applied and it will show this to be a everyday factor practice based on race and to investigate the transactions of this company and how they are advertising a certain price and then selling their vehicles for more than the advertised price. It is like a bait and switch on the consumer. Predatory lending has clearly been an everyday factor in order for the finance department to make a better commissions on the consumer who is not aware of how the process works. I was charged a higher rate for no reason other than greed. Fair and accurate transaction was not taken into account by dealership. Equal credit opportunity act has been was not taken into account. Gramm leach biley act was not taken into account. After purchasing the vehicle I was called back into the office to sign more paperwork again after the vehicle was in my possession for more than a month. I was told that it was necessary in order to get my military discount. I never got the discount on my vehicles and the price of the vehicles was sold for more than they advertised which I later found out from the XXXX ledger. I am still trying to figure out where is the discount and why was I charged a higher interest rate and why did the finance manager deliberately fudge my loan. consumers of a different race who have purchased from this dealership have lower interest rates than mine with lower credit scores than what I had when I purchased my vehicle. As of today 's date their is no discount, higher interest rate, higher price paid for vehicles and the military rate was applied later and went somewhere else for all I know. It is truly a shock to me to see a dealership do this to a consumer.
|
| 09/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
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I was out of state traveling and had left my vehicle at my friend XXXX XXXX 'XXXX XXXX complex, XXXX XXXX in XXXX Rhode Island because she was supposed XXXX XXXX me to and from the airport. My XXXX XXXX XXXX was left on private property in the parking lot of her apartment complex. Upon returning on XX/XX/XXXX, my vehicle was no where to be found in the parking lot. I first called the towing company associated with the apartment complex who had no knowledge as to the whereabouts of my car. I spoke to the XXXX of the apartment complex and she had no knowledge of my vehicle being towed. I called the XXXX police department and asked them if they had any records related to my vehicle and they didn't have any information regarding my vehicle. The XXXX police department sent an XXXX to XXXX XXXX apartments to try and further assist me at which point I was advised to fill out a police report stating my car had been stolen and that upon recovery I would like to pursue legal action against anyone found to be involved in my missing car. I called the customer number for Hyundai Motor Finance, the company my vehicle is financed through and they told me that my car was repossessed and gave me the number to the recovery agency.
I was out of state at the time my vehicle was repossessed and had made arrangements to pay the total amount due upon returning. I had called Hyundai Motor finance on XX/XX/XXXX to get the total amount due from the automated phoneline in order to XXXX the total amount due upon returning.
I never received anything through certified mail stating that my car was going to be repossessed which according to the state laws in Rhode Island and Massachusetts is a legal requirement prior to repossessing a vehicle to let the person responsible for the auto loan know the vehicle is going to be repossessed prior to the vehicle actually being repossessed.
According to the state laws in Rhode Island XXXX The city/town police department in which a vehicle is going to be repossessed from must be notified prior to the repossession of said vehicle.
The XXXX Police department had know prior knowledge of my vehicle being repossessed the date of XX/XX/XXXX, nor the date of XX/XX/XXXX, XXXX, or XXXX of XXXX. The Rhode Island Recover company in XXXX Rhode Island did not do their due diligence in taking proper action required prior to recovering my XXXX XXXX XXXX on XX/XX/XXXX of XXXX.
The Rhode Island XXXX company that repossessed my vehicle for Hyundai Motor Finance also illegally took my car from private property which according to the state laws regarding repossession of a vehicle in the state of Rhode Island XXXX is illegal action.
Therefore, I wish to formally file a complaint against Hyundai Motor Finance for wrongful repossession of a vehicle without proper notification prior to repossession, and also with the company associated with the illegal repossession of my vehicle for not taking the proper and legal steps prior to the recovery of a vehicle for a financial company.
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| 08/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American, Servicemember |
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Around XX/XX/XXXX or XX/XX/XXXX I went on the Hyundai Finance site and did a payment of XXXX. This was the amount HF Cust Service told me was the total buyout.
XX/XX/XXXX - received an email acknowledging my full payment.
XX/XX/XXXX - Faxed an Odometer Statement to HF XX/XX/XXXX contacted HF Cust Svc - was told they needed the Odometer statement. Faxed it again.
XX/XX/XXXX - contacted HF CC - was told they needed the Odometer statement. This time we used their secure messaging ( esign ) process. Got confirmation that it was successful.
XX/XX/XXXX - contacted HF CC - they still need the Odometer Statement. Used their secure messaging system again. Got confirmation that it was successful.
XX/XX/XXXX - contacted HF CC - they still say need the Odometer Statement. Used their secure messaging system yet again. Got confirmation that it was successful.
XXXX - contacted HF CC - they still need the Odometer Statement. Used their secure messaging system again. Got confirmation that it was successful.
XXXX spoke with Cust Care - Asked for a supervisor, transferred to XXXX XXXX she said they still need the Odometer Statement. Used their secure messaging system again. Got confirmation that it was successful. She said she would email the Title Dept and tell them it was okay to release my title and that they should send it out by tomorrow - gave her my email.
XX/XX/XXXX - Spoke with XXXX. She ask for yet another Odometer statement. We got disconnected??? Called back, spoke to XXXX, she said they are waiting on the Odometer Statement!!! Requested a supervisor and was conntected with XXXX. his ID is XXXX - he said he can see that the odometer statement was received, and assured me I would receive the title in 7 days.
XX/XX/XXXX - Called, requested a supervison and was connected with XXXX XXXX. She said the title dept was behind so she has been given another way to get the title, via her email. She said to send it to her and that she would attach it to my record so Title Dept can send the title. She said allow 48 hours for processing.
email to XXXX Sub : Vin, Odometer, Acct # Explain the situation in body of email XX/XX/XXXX Contacted XXXX again. This time I was told that the Title had been mailed on XX/XX/XXXX. Then they told me it had been mailed to NJ, when I told the person that the address was wrong he check something and said he had been wrong and that it had been sent to XXXX XXXX. So now I wait.
XXXX - called- spoke with XXXX XXXX ask why I haven't I received my title. She checked and guess what, she says it was sent to XXXX XXXX XXXX!!!!!! So now she said I have to wait until it's received in NJ, returned via the USPS process for undeliverable mail, received by XXXX, gets through their mail handling to the correct dept., another title is created, then sent out to me. In the meanwhile, they will send me a release of lien via email ( in 7-10 days ), which does me no good - I can't sell the vehicle without a registration.
XX/XX/XXXX - filled out this complaint.
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| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of account/item which do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility This account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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| 10/18/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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Hi, This is my story.
The lease for my XXXX Hyundai XXXX has a maturity date of XX/XX/XXXX. Initially I was going to sell it to the Dealer, but after realizing that what they were telling me was erroneous, I retracted. Originally, my vehicle had been grounded on XXXX by the dealer, and I was even granted an extension from Hyundai Motor Finance, to wait for my vehicle to be ungrounded, in order to purchase it. On XX/XX/XXXX, an agent from Hyundai Finance confirmed seeing my vehicle ungrounded and instructed me to process the payment for the payoff amount ( {$15000.00} ) online, which I did.
I have evidence of {$15000.00} going out of my bank account effective XX/XX/XXXX, this is the amount I was provided as a payoff amount by the agent from Hyundai Motor Finance.
Supposely my title would be sent to me between XXXX days, but on XXXX I decided to call back because I hadnt received it.
The agent that I spoke with said that my initial payment was insuficient, and that in order for the tiltle to be released, I needed to process an additional payment of {$320.00}, which I immediately did while on the phone. I also have the evidence of this amount going out of my account.
Between XXXX and XXXX I called almost every day to check on the status and to see through that the new payment was applied, my account was closed and that my title was emitted. I spoke to multiple agents, and three supervisors, which each assured they would get the payments applied and my acocunt closed. One of them even gave me his name ( XXXX XXXX XXXX, and his supposed direct line XXXX ext XXXX, and told me to call him back in three days to validate everything was solved. That never happened, because they dont even have direct lines. I never heard back from anyone.
On XX/XX/XXXX I called again to check the status and they said that I was being issued a refund for both payments, since they need all in one payment, and my first payment was insuficient. That I should wait between XXXX days to receive those refunds which both had been submitted on XX/XX/XXXX. Later that week I received the check for {$320.00} ( which I still have on hand and havent checked ).
Today is XX/XX/XXXX ( its been exactly 45 days since the submission of the last payment ), and I havent received the refund for the {$15000.00} or my tittle. XXXX is keeping my money, and not giving me the tittle, and that is the reasson for this claim. Today was the last opportunity I gave them, I called and one of their agents sent another email ( this same procedure has been done by everyone I have spoken to ) to cancel the refunds and apply the payments to my account to get it closed, but I truly dont trust them anymore.
There is no transparency, no follow-up process, no communication at all. There is only one escalation protocol, which is from the agent to a supervisor and half the times the call is lost and no one calls back, the other half, the supervisor says that there is nothing else to be done, that I just have to be patient.
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| 04/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
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On XX/XX/2022, I went to the dealer XXXX Hyundai located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. To get information about a car lease. Before providing my ID or agreeing to moving forward with any type of deal to lease the car, the representative said they had to do a SOFT INQUIRY to first see if I was eligible for an offer and if it was good for me then we would proceed with the credit application process. They capture my information on their system and before providing it I asked again what type of inquiry was this and I was assured it was only a SOFT INQUIRY. After this I was taken to the finance department and at this point I hadnt signed any consent to submit a credit application or was I asked for authorization to do a HARD INQUIRY on my credit, the finance person proceeded to read an apparent credit report under my name and even gave me my credit score. I immediately asked him again if they had done a SOFT INQUIRY and he confirmed this to me for 3rd time. After he read the report from his system I asked him for a copy of it and he only gave me a paper that showed my credit score, I received this paper after he had the report on his system and even before asking me for my ID or agreeing to submit a credit application since we had not even seen the numbers nor had I agreed to lease the car. After the finance person presented a different offer from what we had been told by the sales representative I declined to move forward and left the dealer. 30 minutes later I found out they had actually run a HARD INQUIRY in my credit report which I never agreed to. I immediately called the sales representative and he was as surprised as I was, he questioned the finance person about the inquiry and I could hear the finance person over the phone yelling at the sales representative and then he picked up the phone yelled at me denying ever saying it was a soft inquiry and hung up.
Under the Federal Trade Commission Act, Section 5 Unfair or Deceptive Acts or Practices an act or practice is unfair when it ( 1 ) causes or is likely to cause substantial injury ( usually monetary ) to consumers, ( 2 ) can not be reasonably avoided by consumers, and ( 3 ) is not outweighed by countervailing benefits to consumers. Since Hyundai finance is supervised by the CFPB and it cooperates with the FTC, Hyundai is supposed to be in compliance with its regulations.
FCRA 819 specifies that a party who knowingly and willfully obtains information from a consumer reporting agency under false pretenses shall be fined under Title 18, United States Code, imprisoned for not more than 2 years, or both. '' I was very clear about not doing a hard inquiry if I the deal was not honor because Im under contract a few months out from closing in my house. Now I was left with no car and a hard inquiry preventing me from getting one at another dealership because another inquiry will continue to hit my credit report and potentially getting me denied for my mortgage which Im supposed to close soon.
|
| 10/09/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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|
Web |
Older American, Servicemember |
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On XXXX XXXX, XXXX my son, daughter and I leased a XXXX XXXX XXXX from XXXX XXXX. This vehicle was for my wife of 46 years who had been battling XXXX for some 5 years and was having major mobility challenges. The XXXX would be large enough to fit her person mobility scooter in the rear compartment.
On XXXX XXXX, XXXX my wife took a turn for the worst and was again admitted to the hospital. She slipped into a XXXX on Wednesday, XXXX XXXX and XXXX on Saturday, XXXX XXXX. We were all devastated. I am still in shock and not able to overcome my grief.
In XXXX, XXXX, I struggled to drive the XXXX XXXX over to XXXX XXXX and spoke to the associate with whom we originally obtained the lease. I explained to him the entire story relating to the vehicle and the XXXX of my wife. He spent some time conferring with other staff. Finally, he returned and reported to me that there was nothing that XXXX XXXX could do to help me return the vehicle.
I am finding the death of my wife quite difficult and having the XXXX XXXX sitting in my driveway is a pungent stab in my heart each day. I have advertised the vehicle for sale in a variety of settings and on numerous swap lease sites. I have spent hundreds of dollars trying to find someone to take this vehicle. I finally found someone who said he would take over the lease. However, when I called XXXX XXXX, I was told that KIA did not allow a lease transfer so I lost that opportunity. Recently I decided on another strategy and thought I could just pay off the lease and then hopefully sell the vehicle. After paying for weeks of advertising I finally found someone who agreed to purchase the vehicle. I then called XXXX XXXX and they told me that I had to contact XXXX XXXX. I again contacted XXXX XXXX but the associate with whom we originally worked had left XXXX XXXX. I was transferred to several other people, to each of whom I had to go over the entire story. Finally, I was told that I could not just pay off the lease. There were other fees and charges but when I asked how much these might be I was told an estimated additional {$3000.00} but an exact figure could only be calculated once I began the process of buying out the lease. I was told I would need to drive the vehicle to XXXX XXXX for inspection and odometer verification. I can not do that because the initial 30-day vehicle tag has expired so I have no legal way to drive the vehicle on a public way. The vehicle has only 1,000 miles on it.
I have continued to make the lease payments and I also have continued to maintain full insurance on the vehicle at a total combined cost of about {$500.00} per month.
Frankly, I am lost. I need to get this vehicle off my driveway. The memories just seeing it there evokes such terrible grief that it is unbearable for me and my family. However, every time I seem to develop a plan, some barrier appears. It has been now months of struggling to relieve us of the pain of having this vehicle as a persistent reminder of the tragic death of my wife.
|
| 10/28/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
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Web |
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I had a Kia Lease and turned the vehicle in several months early on XXXX/XXXX/2016, which was before my XX/XX/XXXX payment was due on XXXX/XXXX/2016. When I received my payoff statement from Kia, I contacted them on XXXX/XXXX/16 and spoke to XXXX to set up a payment arrangement. I agreed to pay {$250.00} that day and $ XXXX/mo after that. I asked her about any credit reporting that may be done and she assured me my credit would not be impacted. She also advised me that my account would be turned over to the Recovery Team in XX/XX/XXXX and they would be able to grant me an extension. On XXXX/XXXX/16 I pulled my XXXX credit report and saw that Kia had reported my XX/XX/XXXX payment as 30 days past due. I called Kia and spoke to XXXX who advised my account should not have been reported since my vehicle was turned in before the payment was due. She submitted a dispute and advised to allow 7-10 business days to resolve. I spoke to XXXX on XX/XX/XXXX who was unable to provide me any updates on my dispute and submitted a callback request for a supervisor to call me within 2 days. When I never received a call, I called on XX/XX/XXXX and spoke to XXXX XXXX, a supervisor in the Lease Ends department. XXXX confirmed that my vehicle had been turned in on XXXX/XXXX/16 and there was no reason my account should have been reported ; he said it was a system error. He advised that the correction had already been submitted to the credit bureaus and I would receive a letter in the mail verifying that. I also asked him about the Recovery Team and if I needed to speak to them to get an extension on my account. He placed me on hold and double-checked and assured me that I did not need to do anything further, just continue making my payments the way I had been. I then receive a letter on XXXX/XXXX/16 from XXXX, a third party collection company regarding my outstanding debt. I speak to XXXX at Kia on XXXX/XXXX/16 who assures me that the third party company is only brought in to help Kia with their collections and does not impact credit. She also advised that the decision on the credit dispute was a denial and I would have to send a written dispute in to the credit bureaus. She advised that I would need to talk to the Recovery Team regarding anything else. I spoke to XXXX on the Recovery Team who reassured me that my debt was not sold to XXXX and there is no credit impact. She could not provide an explanation as to why I was lied to by XXXX XXXX when I spoke to him on XXXX/XXXX/16, and advised me I would need to set up a new payment arrangement with XXXX. She also confirmed the denial on my request for the credit correction. She explained that the policy of Kia is that a written dispute is needed, regardless of who 's error caused the credit reporting. She refused to put me in touch with a supervisor at that time and promised a supervisor would call me by the end of today. It is now XXXX EST ( 20 minutes from their closing time ) and I have not heard from anyone.
|
| 04/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
|
|
Web |
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In XX/XX/2019, I purchased a vehicle from a Hyundai Dealership in Maryland. I initially was going with Hyundai Motor Finance ( HMF ) for the loan. However, I chose to go with a different financial institution. Toward the end of 2019, I began receiving statements from HMF which I took as an error. I then began receiving notifications from XXXX that HMF reported that I was 60-120 days past due on the payment on a loan I never had. I contacted XXXX twice to dispute these charges. The first time XXXX did not find in my favor which baffles me as I provide all the information required. Furthermore, if they looked at the VIN numbers for the XXXX XXXX Loan and the reported HMF Loan as I suggested, they would have seen that the numbers were the same. Therefore, that should have alerted XXXX that there was an issue. When a consumer has to go through what I have been through because of these large companies, it does not give the consumer much faith in the creditors.
I contacted HMF but I was only able to speak with the collections department. The first person I spoke with was very rude and told me to contact the credit bureau to straighten it out. I called again and spoke to someone else in collections and they recorded the situation and said she was escalating it to another department. The " other '' department was then going to call me to rectify the problem. Needless to say, I never received a call.
I then contacted the Hyundai Dealership management and the general manager and finance director also made several attempts to rectify the situation as well but did not get far with the Hyundai XXXX. The XXXX even told the finance manager that I would receive an AUD number that could be shared with creditors. The AUD number was to inform the creditors that there was inaccurate information ( I believe ). I never received this information either. The dealership provided me with a timeline of their communication to HMF about not funding the loan. The timeline began back in early XX/XX/2019. There was additional talk about a check being sent to me from HMF, which was never the case.
The fact is HMF processed a loan in my name on this vehicle that was already financed through another financial institution. HMF has falsely reported statements to the credit bureaus. HMF has caused me stress and anxiety and increased XXXX episodes. HMF has caused my credit score to take a huge hit and reduced my credit worthiness significantly.
Ive recently received a letter from HMF stating my account had been reviewed ( my second request ) and found that there was an error and an update would be sent to the credit bureaus in 30 to 60 days for the corrected information to reflect on my credit report. It took them one day to damage my credit and I dont feel it is fair to allow a company to place false reports and just walk away without some repercussions. They're actions had an adverse reaction to my livelihood and HMF shouldn't be able to say oops and walk away.
|
| 01/29/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Below is the main body of the letter I sent to XXXX XXXX XXXX to correct their error.
Time Line : XX/XX/XXXX o Lease begins and throughout the lease term we made payments through automatic withdrawal from our account.
XX/XX/XXXX o Our mortgage company and I called XXXX XXXX XXXX and on a recorded line and I paid off the remaining balance of our lease. XXXX employee confirmed on the recorded line that I had paid off our lease term.
Bank statement to show the payment was made attached o Not only that but you reported to the credit bureaus that we had paid it off as there was a {$0.00} balance due.
XX/XX/XXXX o We had an automatic payment come out of our account.
Bank statement to show the payment was made attached o We called XXXX and spoke w/ another employee who informed us it was an error and credited our account back.
o Credit to our account showed up on XXXX Bank statement to show the refund was made attached XX/XX/XXXX/XX/XX/XXXX o We received a notice that another payment was due.
o We had called several times during this period and despite XXXX making a clerical error on their end we elected to simply pay the extra payment so that our credit would not be impacted.
Please understand the time line above is an approximation. Your records should reflect the actual dates as well as your recordings of my phone calls. I had a good faith dispute about the charge you were saying I owed. Despite not agreeing with the charge I made the payment to avoid a negative impact to my credit. I was reassured several times by your employees that my credit was not going to be negatively impacted which I learned was not true.
Credit is tied to everything we do. My car insurance is more expensive because of bad credit reports, loans are more expensive and more. To say I am disappointed in what you have done to my credit is an understatement. I have worked hard to have my credit be over 800 and have never had any kind of late payment on any account.
I have also contacted XXXX directly and they have started a dispute electronically with you. I have also contacted the Consumer Financial Protection Bureau ( cfpb ) and filed a formal complaint with them.
My hope is that you will do the right thing and correct my credit report and that litigation is not necessary. If you look at my file you will see that the above time line is pretty accurate. If you listen to the recordings that I know your company has you will also hear someone who had a legitimate dispute and that even though I disagreed with the final payment I made it as I was told by your company that it was the only way to avoid a negative impact to my credit, which apparently happened anyway.
In the event you do not correct your error I am putting you on notice by this letter that I will file a lawsuit. As such I would expect all of the notes and recordings and anything else tied to my file be preserved in anticipation of that legal action.
I appreciate your response to my complaint.
|
| 12/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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During the pandemic our lease was up. We called as we always do as responsible adults 3 months out and in a panic due to everything shutting down. Kia corporate kept telling us we do not know anything. Can not answer. I called Kia XXXX and they said they were closing down and their lot was full and they could not accept anymore cars. The said only XXXX was open and could take our car. We called them and they said to bring the car in and we can see what they could do because they also maybe shutting down. Upon arrival we explained that we could hold onto the car for another month or two because we did not want three payments since were were barely working and my wifes company had been shut down. They explained to us that we should NOT get a bill from Kia for the extra three months and that IF we did that they should work with us on it and not to worry and it was a good idea to turn in the car early since they may be shutting down. WHY WOULD ANY HALF SMART person get a new car and not wait a month or two if they did not have to? EIGHT months go by and we got a letter in the mail from KIA stating that we owed 3 months of the other car! I called them and they would not discuss as per usual. I had to write in and wait another 30 plus days for a response. Then when I got one - they offered me a payoff amount because I was LIVID and they would not and refused to work with me. I agreed to basically pay those scammers two months and they not only put in as a charge off but also 3 months late!! How dare them and now we just got scammed again by Kia and they salesman who refinanced our car pulled a fast one and said that for {$50.00} extra a month we would have a service plan that covered all MAJOR services and we said that's really good because we just had an oil change but did not get the full service because were were not sure if we were refinancing or getting a new car. Had a 30 minute talk about it. We then got the plan took it in to XXXX and had to PAY FOR OUR SERIVCE up front got scammed again because the {$50.00} a month was only for oil changes and who in their right mind would pay {$50.00} a month for 7 years for oil changes????? After the manager delayed with every excuse in the books for never getting back to me blah blah it was too late to cancel the loan docs. They finally sent the money to XXXX XXXX credit to put toward the principal as well so I have proof of being duped once again by Kia. And THREE kias ago we were told that we got a new one and found out it was a different year than we were sold and I have another friend who they did to as well. This company is also fraud and horrible - I wish we never got stuck into this but they force us to stay or we have to pay them {$500.00} to go to a different kind of car at lease end. This is the only reason we have stayed with this terrible company- we are being held hostage- this is a joint loan and needs to also be fixed for XXXX XXXX XXXX XXXX XXXX. Same address email XXXX XXXX
|
| 08/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
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I opened a car loan with Hyudai Motor Finance ( HMFUSA ) 2 years ago in the state of XXXX XXXX. I moved to XXXX on XX/XX/XXXX and went to my local DMV on XX/XX/XXXX to get my new driver 's license and registration. I had contacted HMFUSA the week before to see what I needed to do to obtain the out of state title transfer and where to mail the request. They said I needed to respond to a secure email and that they would send me all the information they would need, which they sent right away and I immediately responded to the email with the requested information. They also gave me the address to mail the written request and I gave that to the DMV and they said they would request it. I called HMFUSA 2 weeks from then to check on the status and was told something was processing? I called back the next week and was told the same thing. The next week when I called, I asked to speak to a supervisor and they gave me a " SPECIAL AGENT '' who said they did not receive anything from me or the DMV, and I was also told I could not speak to anyone in the Title Department because they don't have an extension. I was beginning to get frustrated and was asking him why the previous agents were saying something was processing but he kept talking over me and then ended up hanging up on me. He did tell me there are many people waiting and I am not the only one. Now it's a month later and I called again last week and asked them to resend the secure email to me so I could respond again, I also got their fax number and my local DMV said they would fax the request to them and then I personally mailed the request via certified mail to them. I was told I would have to wait 48 hours to call back to see if they received any of these requests. 2 days ago on XX/XX/XXXX, I called HMFUSA and after speaking to someone who said she could not see anything pending or processing and that I should make the request online through my account. ( There is no way to do that, and I would think the agent would know that )! She then transferred me to a special agent again and I believe it was the same XXXX young man I spoke to before and hung up on me because he said the same thing like he was reading from a script. He could give me no information whatsoever! I have read reviews from people that have and are going through the same thing with this company and were told the same things as me. I am concerned that the state of XXXX will contact me because I no longer have XXXX insurance, but still have their plate on my car. HMFUSA agents have lied to me that my request was processing, and that they have never received anything from me or the DMV but then in the next breath, they tell you that they can't call the title department, they ca. n only email them. I was told by one of the agents that he was sending an em to escalate my request. The State of XXXX gives 30 days to transfer registrations and I am well over that and I started the process 3 days after I moved on XX/XX/XXXX.
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| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On Saturday XX/XX/XXXX, at around XXXX I went in to XXXX XXXX located at XXXX XXXX XXXX XXXX to see a car I was looking into purchasing. We ( XXXX- a XXXX employee, my brother, mother and myself ) sat inside to discuss purchase amount. I was presented the California Consumer Privacy Act form which I reviewed and signed. Form is attached. While in discussion with the sales rep, XXXX, I made him aware that I already had a preapproved loan and was not interested in financing. During discussion, he asked me questions one of which was for my social security number. Before providing it to him, I stopped him and asked Youre not running my credit, right? to which he responded No, this is being used in house. and followed with explaining it wouldnt be a hard inquiry and was just for their records. He was documenting all of these answers on his tablet. Later, I received multiple phone notifications from various credit monitoring services ; XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX- that hard inquiries were run against my credit. The inquiries displayed XXXX XXXX. When I started getting the notifications, I confronted them about why they were running my credit and where I authorized them to do that. As well as requested a copy of the form I signed that authorized to it. Another gentleman who had joined us looked confused and left to go discuss in private with XXXX. The on site manager came to our table and brought the California Consumer Privacy Act form I signed and said that this is the form that authorized the credit check. Upon reviewing again, I asked him to point out where in that document I explicitly authorized them to run my credit to which he said it doesnt say it exactly or something of that sort. I continued to push back because this form does not say anything about permission to run my credit. The manager came back and said that the form on the tablet is what authorized them to run the hard inquiry. However, I was never presented with anything on the tablet and definitely never signed, or even touched the tablet. I requested they provide me with screenshots of what was filled out on that tablet since I was never read anything, checked any boxes, signed or gave verbal authorization to do such credit inquiry. In fact, I specifically said they were not allowed to run my credit. The only form I was presented was the California Consumer Privacy act form. The manager screenshotted and printed out copies of the tablet form, including the terms and conditions which XXXX apparently signed without my knowledge. The second attachment is the screenshots the manager provided of the tablet form. Which again, I did not see, yet alone have knowledge of being filled out, checked and signed on my behalf.
In summary, XXXX XXXX ran hard inquiries against my credit score after expressly being asked if they were running my credit to which they said No, and additionally, completed forms on my behalf without my knowledge that allowed them to do so.
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| 02/14/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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On XX/XX/XXXX I leased a brand new XXXX XXXX XXXX for 48 months, 10,000 miles per year at a monthly payment of {$350.00}. At the time, I also purchased a {$490.00} excess wear and tear warranty on the lease from the dealer that would help refurbish the vehicle at the end of the lease to make it saleable. In XX/XX/XXXX, the same dealer ( XXXX XXXX ) contacted me and told me I could get into a new lease. At this time, I just put new tires, new brakes and a brand new windshield on the XXXX. It had 46,134 miles on it as well and was about 3.5 years old. At the time, the same dealer had older models with more miles on the lot for over {$12000.00} asking price. They offered to sell me the vehicle at {$11000.00} but I declined and leased a XXXX instead. The dealer sent a final check to XXXX of {$2700.00} after doing their financial due diligence and quoting me a new monthly payment of {$350.00}. In the 4 years I owned the vehicle, I was NEVER late or missed one single payment. Months later, I get a bill from Hyundai about disposition fees and dirtier than normal seats and dirty carpets. I asked to see proof that the excess wear and tear warranty up to {$7500.00} was utilized an they refused to show any proof or pictures. They then turn around and sell a less than 4 year old car, with 46k miles, new tires, new brakes and a new windshield at auction for {$6500.00} and want me to pay the balance. This is fraudulent, unethical and immoral & seems punitive since I leased with someone other than Hyundai. They never offered to sell me the car at a lower cost, even the {$8600.00}, which clearly would have made us even. They have no proof they utilized and applied the warranty I paid for which would have certainly increased the value above wholesale/auction cost. The XXXX value in average condition for this vehicle was between {$8000.00} and {$9300.00} for a trade-in or private party. Clearly the {$6500.00} was just giving the vehicle away without any concern for my finances ( as they were just going to charge me any difference they claim ) and there is NO PROOF they utilized the excess wear and tear warranty which would have unquestionably increased the value. What they did should be illegal. I have never missed or been late on any payment in my life and now this situation is affecting my credit negatively. I would have bought the vehicle at a discount, but that wasn't offered and I think it is disgusting that they can just do whatever they want and just attempt to extort my money from me without any regard or input from me about it. They never contacted me after I requested the proof the warranty was applied and the vehicle could be sold for an increased price. I am requesting this be removed from my credit report entirely unless they can prove they applied the warranty and did ANYTHING to try and sell a newer vehicle with lower miles and new items mentioned above at something greater than the lowest selling market ( auction ).
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| 03/04/2019 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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In XX/XX/XXXX about a Hyundai XXXX leave at that point Im making payments in XX/XX/XXXX I have contacted them because we had a lapse in payment, made payment arrangements dates times with them They added all the dates in their computer. Made all the payments got all caught up, At this point they repeatedly called me turning told him I already made payment arrangements and told them that I made a payment they said that they didnt have it I said oh but let me give you the confirmation number when I did that they found my payment. Then in XXXX we fell behind I caught them actually XXXX I caught them every time I told them but I was going to pay and how much I was going to pay them print computer number because when out to me and next day get another phone, I never noticed anything any computer so Im XX/XX/XXXX I caught them made a payment of XXXX took it off my card. On the phone with them that day I made payment arrangements tell them I say that with my bank for XXXX to come out every two weeks And I told them that I would be making bigger payments and a back payment every two weeks and Ive called him every week to set that up XX/XX/XXXX or XXXX XXXX they repo my car I never got a notice about it never got a phone call. I called them it was on the phone with them for three hours spoke to XXXX XXXX few other people they knew nothing they just tell me what I/O road finally they had this lady called me a case manager from consumer affair is she was assigned to my case later on that day I get a phone call from the people that re-polled it said that Hyundai finance call them And told them that they were to give my car back right away I get it that day at XXXX XXXX have received and I made payments and I tried to find out what went wrong, Very next day I called to find out what went wrong in every Day The last two weeks and got no answer everybody that is in the phone didnt have any information any so XX/XX/XXXX I get this letter in the mail stating urgent notice regarding your vehicle repossession they mailed it out on the date XX/XX/XXXX they repo my car to XXXX .In this paper it states are you {$770.00} when I was talking to them the XXXX they were saying it only XXXX when XXXX XXXX every time I talk to him its a different amount I have on my receipt and I paid them Im just afraid that theyre going to come take it again even though I paid them so I called somebody XX/XX/XXXX the consumer fair number they gave me I said like to speak to you ladies had with my case they said oh it looks like its 30 days old now we got to make a new one I just hung up on them so frustrated .Then in XXXX they called my husbands job seven times and harassed him I finally called them and asked them to please never call his job again, called this number here the one they have on file .I talk to somebody that Hyundai somebody from the bar association and they sent them what they were doing was breaking the fair debt collection practices act
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| 06/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Hyundai Motor finance has fraudulently treated me as a chattel slave to a contract. due to non-disclosure and I have recently send correspondence that they have decided to ignore. By law I never was given proper notice that the contract was the asset. The contract was fraud, no meeting of the minds or value and proper acceptance was given. I have rescinded the contract due to fraud and I sent a w-9 to request the EIN still no response and will be sending a 211 IRS whistle blower form to audit the accounts of others as well. These subprime lenders know federal laws and constitution yet continue to fraud the public. The laws states that all obligations are of the United States Government 18 USC 8, 31 USC 3123, HJR 192 and Public Law 73-10. I have requested to recoup all funds paid into the off balance account. They also violated federal law by not disclosing that the transaction is either a cash OR credit transaction. They charged my credit card ( ssn ) and demanded federal reserve with threats to take the car even repoed the car and I paid many fees to get the car returned. Finance charge is the sum of all charges and they charged me a down payment and many other fees. They also made me pay for my own issuance which is all against the law. I have noticed this fraud and demand all recoup of funds returned. Please be advised that if deprivation of rights has occurred by cfpb as well as Hyundai Motor Finance can be held liable by law. I want this matter settled immediately as by law I can rescind and express the trust as the grantor and beneficiary and received my recoupments under holder in due course doctrine. I know that CFPB, HYUNDAI MOTOR FINCE Knows THE LAWS OVER CONTRACT, anti-trust and defrauding the government. Please be advised that I have rescinded the contract the documents are attached. You have attempted to close out the contract which out consent of the ORIGINAL creditor! Also prove that you loaned me something. You have used mail fraud payment statements not a true bill without proper endorsements which was always a positive balance and to my knowledge of accounting you can not pay a positive balance so credits were due to me. Fraud has taken place. I CAN GET THE DOJ, secret service and other government agencies involved I can seek damages and due to the contract being fraud fill a class action. Correct your mistake and close this account immediately. I have logged into the account and its still active which means fraud is still going on. Prove that you did not securitized the loan? Provide the original note which is the contract I initially submitted to get financing thats the original asset.. not the fraud contract you have sent me! The United States corporation is in bankruptcy so to request I pay is against the law. You have made me pay and I have the right to rescind and recoup payments made. This is written in good faith and I have an adverse claim in the contract as I am the only signature.
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| 10/07/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On XX/XX/XXXX, I leased a XXXX XXXX from XXXX XXXX XXXX, a local dealership. On XX/XX/XXXX, I was rear-ended by a third party driver. I always had maintained insurance required by the lease with XXXX, but a claim with XXXX was not necessary as the other driver and its insurance company XXXX admitted 100 % fault and agreed to pay for the damages.
I soon called Hyundai Capital America ( dba Hyundai Motor Finance or HMF ) to report the accident and to assist HMF with making a claim with XXXX The HMF representative told me that HMF will take care of everything and that I would not need to do anything. I soon drove the car to a local body shop approved by XXXX to get the car repaired, but XXXX declared the vehicle a total loss. XXXX adjuster subsequently told me that HMF and XXXX had settled for the full payment of the vehicle and that the matter was closed.
In late XXXX, XXXX, I received a surprising demand/collection letter, dated XX/XX/XXXX, from HMF ( attached ) stating that I owed HMF {$970.00} for prior damage/condition adjustment of the vehicle. HMF falsely claimed that there was an insurance deficiency of {$970.00} for condition adjustment, even though the lease agreement does not require for such payment by the lessee. HNFs claim is also flawed as it decided to deal directly with XXXX and exclude me from the settlement process. When I called HMF on XX/XX/XXXX to ask for a copy of the settlement agreement between HMF and XXXX, HMF refused to provide a copy. I had to call XXXX to obtain a copy of the settlement agreement ( see attached ).
Section 25A of the lease agreement ( see attached ) states that the lease is terminated in the event of a Total Loss, and that the lessee would owe the Total Loss Early Termination Charge outlined in Section 22C. Section 25B states that if the lessee maintained the insurance required by the lease, HMF would waive the Total Loss Early Termination Charge, when HMF receives the insurance proceeds for the vehicles actual cash value.
There is no dispute that the there was a Total Loss or that I maintained the insurance required by the lease. The only dispute raised by HMF is that I owed {$970.00} to HMF for condition adjustment. XXXX stated in its settlement summary with HMF that the amount of wear and tear/damage is consistent with its age. In HMFs settlement letter to XXXX dated XX/XX/XXXX, HMF agreed to an insurance payment of {$17000.00} from XXXX as the full proceeds of the insurance policy covering said vehicle. In the settlement summary between HMF and XXXX, the Actual Cash Value for the vehicle was shown as {$17000.00}, which HMF accepted as full proceeds of the insurance policy covering said vehicle.
In many calls with HMF, I explained that I do not owe {$970.00} to HMF. HMF refused to listen and HMF has recently placed a negative credit information on my credit report with the major credit reporting agencies. I have always paid my lease payments on time.
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| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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After making the first payment online, I had set up Auto-Pay, but may have accidentally set the first Auto-Payment to start the day after I made a payment, causing me to go through a process to refund the Auto-Pay payment as well as cancel it. After that, every payment period I attempted to make a manual payment on their website XXXX but after triple checking my information after numerous attempts, the payment still wouldn't go through, with their website telling me to contact my bank if the issue persisted. After contacting my bank, XXXX XXXX, they told me everything was fine with my account and that it must be a bug in Hyundai Motor Finance 's system instead. So I called the number for their customer service and tried paying over the phone, which required a fee of about XXXX dollars or so, to no avail. Same issue. I got in contact with what I thought was a Customer Service agent but was actually a Collections Dept. agent that said to make a payment with them it would incur a fee of XXXX, but due to my situation they would waive it. But even after being on the phone with them for about 20 minutes the situation seemed unchanged, where giving them my bank information and triple checking with them it wouldn't go through. After that they wanted to try using my Debit Card, which didn't work at first, but after a bit of silence they said it finally went through. Sounds fishy, and very irritating. That was the first time back in XXXX. In XXXX the same issue happened online and the same stuff happened, only that was the time I found out I was calling Collections instead of Customer Service, and when I asked to be transferred to Customer Service they told me to call a certain number, not giving me any instructions after I told them it was the same number I've been calling them at. XXXX I had the same issue, but I had them use my card which apparently was still on file with them. XXXX, today, the same issue but I finally got in contact with Customer Service, hoping to get to the bottom of my issue. After telling them my issue, repeating myself more than once about the information, they went through the same process, telling me that they'd waive the over-the-phone fee " one time only '', even though either their website or something else internally was causing my payments to not go through. After getting my confirmation number of the payment, I asked if there was anything that could be done to prevent or fix my issue, such as set up an Auto-Pay or maybe there was something on my end that could cause the issue, but they told me instead that after 48 hours that I should call again and set up Auto-Pay. And that was it. That was their solution. No promises of fixing the issue. There is no actual support being done, giving me the feeling I should instead refinance with a credit union, but I worry that's their goal : to have my loan debt be bought off in its entirety and profit of the possible interest to be accrued.
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| 10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I have leased my car through Hyundai Motor Finance ( since XXXX ) and have never missed a payment or paid late, ever. I knew my lease was up in XXXX, so months in advance XXXX XXXX of XXXX ) I started the work of trying to purchase my vehicle. I spoke to numerous people, car dealerships, etc. with NO luck on this because of " COVID '' ( they said that with COVID they were unable to help me - but it was their job to help me figure out what to do at the end of my lease term regardless of covid, my lease would end ). This alone was a hassle, and Hyundai didn't bother sending me a " what to do at the end of your lease '' packet until AFTER my lease was over.
I ended up extending my lease for 6 months with Hyundai Motor Finance after trying to get a hold of them SEVERAL times over the course of months. They said everything was good to go, and I could pay my bill monthly as usual until XXXX of XXXX. All I needed to do was sign the " lease extension email. '' I. never. received. the. email. I called several times over the course of months but at one point I was just over it - because why should I have to be the one to take care of this when the company has done NOTHING but been a hassle and has provided absolutely no assistance to me. I kept manually paying my car payment as usual. Finally Hyundai called me in XXXX of XXXX because I never signed the extension ( yeah Hyundai - I know I never signed it - YOU never sent it to me and I was tired of following up about it ). They said " Sorry, looks like we had the wrong email on file. '' They promised to resend it to me. Never received it.
Less than one week later - my car gets repossessed. I can not explain how HEARTBREAKING this was. Never missed a payment. Never paid late. Always a good customer who tried my best to be proactive even though Hyundai Motor Finance was the absolute WORST and XXXX company I have ever worked with. Because THEY never sent me an email, and kept sending it to Lord knows where on their part, I got punished. Due to their mistake.
After days and days of phone battles, I convinced Hyundai Motor Finance to give me my car back and pay all of the fees since they were at fault. They agreed. Now I settle on a home THIS WEEK. and Hyundai tells me that even though I did nothing wrong, my credit will automatically be hit for this. I have outstanding credit. Seriously. And because of the fault of this company, my credit that I have worked so hard to keep high, is going to be affected. And there is " nothing '' they can do about it. It is " automatic. '' In the middle of me settling on a home with my fianc that we have worked so incredibly hard for ... ... ..
I called them and asked them to not let it affect my credit. They said no. I told them I would be reporting them to the CFPB. They said " go ahead. '' So here I am! And to think if they would have just helped me purchase my vehicle back in XXXX - none of this would have happened ...
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| 08/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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I lease a XXXX through Kia Motors Finance. I have always paid on time without issue. I am enrolled in auto-pay for my bills with electronic statements so I don't need to give my payments much thought. In XX/XX/2020, unbeknownst to me, Kia included a charge for " property tax fees '' in the amount of {$280.00} on my statement. Kia never sent me an email about this. Kia never sent me a letter about this additional charge. Kia never left me a voicemail about this additional charge. My monthly auto-pay continued each month. I never heard a word from Kia.
Due to the pandemic, I had changed residences temporarily. My mail was being forwarded to another location while I was living at a different residence. Thus, my mail was delayed. On XX/XX/2020, I finally received a letter from Kia, dated on XX/XX/XXXX, that I owed property taxes on the vehicle. I immediately paid the amount owed as this was the first time I had learned of it. In fact, I paid the property taxes, and I paid for an extra month inadvertently. Thus, Kia owes me {$170.00} currently.
Kia never informed that I owed this money until the account was already severely delinquent. They are required to notify me of my debt and make a good faith effort to collect the money. They never did this and merely reported me unfairly to the credit bureaus.
The money I owed Kia was not even for the car payments. It was for taxes owed on the car. This is something that is outside the contract. The account was not actually delinquent. As you can see in the payment history, all my payments were made each month. I was never charged a late fee. These were for property taxes. I can not be reported to a credit bureau for late payment of property taxes.
As a result of this, my credit has been severely damaged,. I am in the process of trying to purchase a home, and this will cost me thousands of dollars,. My once pristine credit has been destroyed. I gladly would have paid this debt on time if Kia had just picked up the phone and called me. I gladly would have paid this debt on time if Kia had just sent me an actual letter in the mail notifying me. Because I was set to auto-pay, I don't look at my statements. I continued to make payments regularly on the account without knowing there was this additional fee.
It is unconscionable that Kia would destroy someone's life and credit over {$280.00} in the middle of a pandemic. I had the money to pay {$280.00}. I don't have the thousands of dollars it will now cost me for a subpar mortgage due to the damage that has been done to my credit.
Please, I am begging Kia, to remove the delinquency from my credit report. You never notified me about the debt. If you had just left me one voicemail or sent one letter before reporting me as delinquent, I would have paid. I have been a reliable customer, always paying my bills on time. The only reason I didn't pay this fee is because I didn't know about it.
Please help me.
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| 01/24/2024 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I advised KIA that I would be purchasing my vehicle at lease end. Per KIA 's requirement, I sent a cashier 's check for the payoff amount. I sent it by certified mail and when I didn't received confirmation of delivery, I contacted the USPS who indicated they could not find the letter. After three days of the post office investigation, they still could not find the mailing.
I consistently called KIA, requesting they note my account with the issue with the delivery. I went to my bank who issued the check and requested a stop pay be placed on the check. My bank advised they could to this but they wouldn't be able to reissue a new check for 90 days. While sitting at my bank, I called KIA again and was told my payment wasn't received so we proceeded with the stop pay. This was on XX/XX/XXXX. I was transferred to a lease end rep to discuss a potential lease extension under the circumstances but was then advised they couldn't discuss that with me since my account had been flagged with a claim. They advised XXXX reported my vehicle as a total loss. It was obvious that the wrong account was flagged since my vehicle has never been involved in any insurance claim. Even though it was KIA 's error, I had to call XXXX since KIA reps can not make any phone calls. XXXX immediately issued an email confirming they have never had a claim for my vehicle but KIA advised they would not be able to look at the email for 3 days. Realizing I was dealing with reps who don't have a clue, I sent the attached letter, overnight to the CEO of KIA. I have confirmation that letter was delivered by XXXX on XX/XX/23 and I have received no acknowledgement to date. I called KIA again last Friday, XX/XX/23 to see if at least the claim flag had been removed. The automated system then indicated my payment for the lease buy out had been received on XX/XX/23 but their rep indicated the claim flag still had not been removed. I immediately contacted my back who had me come in the same day and sign a form to release the stop pay on the check and confirmed that the check had not been presented for payment. I called yesterday to again check on the claim flag but was advised that while my payment had been received, it was rejected by my bank. I spoke with my bank this morning and they confirmed the funds were available and the check hadn't been presented for payment. I called KIA again today, to inform them of this but their rep said he couldn't determine what KIA did with my check and again said he would send an email to their payment department but once again, no one would look at it for at least 3 days. So now again, my cashier 's check of almost {$23000.00} is missing and KIA can't explain what they did with it. This has been extremely stressful and KIA has been a nightmare. All communications have been instigated by me. I've called daily, emailed daily but not once has KIA contacted me to say what they are doing about this mess.
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| 06/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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1. XX/XX/2020 -- I have 2 accounts with Kia Finance for leases on 2 XXXX XXXX XXXX cars bought at the same time. Account numbers are almost the same but last 2 numbers ending in XXXX and XXXX. Kia Finance started mis applying my payments and putting both payments on the XXXX account in XX/XX/2020.
2. I would have to return their calls about a missed payment and wait on phone for 30min to 45 min each time and frequently have to call back because they had a rule that if phone conversation took longer than 3 minutes they would drop the call. I did not find this out til XX/XX/XXXX by a customer service representative at Kia.
3. Kia Finance did not take responsibility til I spoke with a supervisor XX/XX/XXXX who directed me to send in the notarized letter attached. She said they were mis applying payments to the wrong account and she would have this corrected.
4. I have an attachment of the corrected file from Kia of the mis applied payments but they made it so my payments were late. They have dings on my credit file for XXXX and XXXX on both vehicles. I have never been late for any payments ever with any company. Feel free to check my credit file. I have called and ask them to fix this several times without any results.
5. I attached and included my bank statements of check payments and also the on line payments they made me do because they kept calling and harassing me that my payments were late on the XXXX account. They had both of my payments on the XXXX account.
6. This is not the only problems I had with Kia Finance. I almost did not get to move from XXXX to XXXX because Kia would not give me the paperwork to transport my vehicles to XXXX. They would be nice on the phone and say they were sending but they would never send. It took me 6 months to get the transfer paperwork for the dock.
So many phone calls and so much of my time.
7. Once I was in XXXX XXXX XXXX XXXXhen claimed they did not approve to send my vehicles to Virginia and would not release the information to the DMV for me to register my cars. So many phone calls and so much of my time. I now have the paperwork and my cars are registered.
8. It has been a nightmare working with this company. It seems like it is costumer support issue and mis management of policies from the top. The company has a process in place to make you get completely exhausted calling and waiting to ask the same questions.
9. I can not get a home loan because of these XXXX and XXXX dings on my credit for this lease. These are the only things wrong on my file and the mortgage company is saying to fix this and they will give me my home loan.
10. I hope by reporting Kia Finance does not make my problems worse because this seems to be their process. If you call and complain about anything, they just make your issues worse. My guess would be that the nice people on the phone are hiding their mistakes because the upper management are firing staff.
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| 04/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX I returned a car that I leased from XXXX XXXX in XX/XX/XXXX to lease from a different car manufacturer and was under the impression I owed nothing else. Prior to leasing my new vehicle, I called Kia Motors Finance to get the remaining balance due on my car so the dealership could pay off the active amount due. I was given the amount of {$1000.00} and that amount was paid by XXXX XXXX XXXX and from there assumed the car was paid off in full.
Seven months later, XXXX XXXX, I received a letter in the mail from KIA stating that I am being put into collections due to a balance that is owed on the car. I called the customer service line at Kia Motors Finance and asked for a brief explanation on the balance and was told that it was due to the lease end balance that was owed on the vehicle, items like wear and tear etc. Kia states they mailed a bill to me in XX/XX/XXXX, however that bill was never received and I lived my life thinking nothing was due. Also, upon speaking with the representative at Kia, I was informed that they only submit a Bill once to the consumer and if there is no response to it Kia does not submit any other letters or phone calls asking for payment. I paid the amount due from Kia after I requested to have the bill sent to me to review. They did send it but with this being the first time I saw it the damage was already done on my credit report.
I paid the balance to prevent myself from being sent to collections ; however my account with Kia Motors Finance remains sitting on my credit report as greater than 90 days late and will remain until XXXX per my free credit report paperwork. Since I never received the initial letter I am asking to have my credit report be back dated to when Kia claims they mailed the initial letter in XX/XX/XXXX. I have never missed a car payment with Kia and my credit report supports that. This situation is most likely due to an error/issue with the lease end and I would hope that my positive credit report with Kia could help support my claim.
I contacted the attorney general regarding this issue after filing multiple credit report appeals with XXXX with no budge from Kia Motors Finance. They opened up a case file for me in XX/XX/XXXX and have been working diligently to help correct my credit report. Kia motors finance will not budge and as recent as XX/XX/XXXX they claim that my dispute with them is " inaccurate ''. I firmly believe that I was never late on any payments as I would have called and paid the claim as soon as I would have received the bill. The attorney general from XXXX, NY states that they can no longer assist me with mediation on this issue and suggested that I filed a complaint through the Consumer Financial Protection Bureau.
This false report is hindering me from obtaining approval for a new financial lease for a car and has left me with many sleepless nights. I appreciate any help in this matter.
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| 03/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX we purchased a brand new Hyundai Sonata from XXXX XXXX in XXXX Utah. We opted to put it on a loan ( altho we could have written a check and paid for it outright ) as they were offering an additional {$1000.00} in rebates. So we financed it and their finance department told us to pay a large chunk as soon as the loan was live online.
The loan is through XXXX XXXX ( XXXX ), not through the local dealer and the problem lies with XXXX XXXX.
On XX/XX/XXXX I made a payment of {$24000.00} that was to be applied 100 % to principle only. But they did not do that. They applied it to principle ( {$24000.00} ) & interest ( {$34.00} ). This made a complete mess of the loan. We should have 6 or 7 payments of {$440.00} each remaining, the payoff should occur in XXXX or XX/XX/XXXX.
But their mistake caused multiple problems : 1. It changed the due date of my NEXT payment to XX/XX/XXXX!
2. It changed the amount due for each payment to {$300.00} instead of {$440.00} I have called them 6 times at ( XXXX ) XXXX and I am getting the run around.
I called first on XX/XX/XXXX as that is when I first noticed the error. I was told it should be fixed in 24 hours. It was not fixed in 24 hours.
I called again on XX/XX/XXXX and was given the runaround again and this time I was told it would take 3-4 business days to reverse the payment and apply 100 % of it to principle.
I called on XX/XX/XXXX as the problem was still not fixed. At this point I asked for a supervisor who was supposed to escalate it.
I called on XX/XX/XXXX when I went online and found no changes to my account again.
I called today, XX/XX/XXXX and was finally given to a supervisor named XXXX who told me that she would take care of it TODAY and call me back. Right now, 4 1/2 hours have elapsed and she has NOT called me back. So I called again and this time I got someone named XXXX. I asked her to transfer me to XXXX. She told me that she didn't know who XXXX was and couldn't do that. And yet, after I told her my next step would be to file this complaint, she had a miraculous restoration of memory and she told me that XXXX must be on a break or out at lunch. ( So she was lying to me in the first place about not knowing who XXXX is or where she was ). XXXX told me she would submit the request AGAIN and it would take ANOTHER 3-4 days. By this time, I'm boiling over and I said, " You have been telling me that for 9 days! '' So that is where I left it. I am frustrated beyond belief and in the meantime, we continue to accrue interest on the loan that we should not be accruing.
I have dealt with them before on a short-term loan ( similar circumstances ) and just getting a simple address change done took 8-9 phone calls. They are maddening and should be thoroughly investigated.
XXXX would like us to recommend them to our friends. Sorry. I can recommend the car itself but I would never, ever recommend XXXX XXXX to anyone.
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| 12/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I paid off my lease for my XXXX XXXX XXXX in XXXX XXXX by obtaining an auto loan through my preferred local bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). The payoff process with Kia was exhausting to say the least. No one could provide a payoff statement and the only option I had was to use the buyout ( or buydown ) statement available to me online. Once the payment was mailed and delivered, it took over a month for the lease to reflect in their system as paid in full. I then experienced issues when requesting a hard copy of the payoff statement to provide to XXXX for completion of the loan. Eventually XXXX was able to accept a copy of the transaction history and a paid in full letter that took several months to obtain in itself.
The next, and current, issue at hand is regarding the title. As previously stated, the loan was paid in full in XXXX XXXX. The title was not mailed to me until XX/XX/XXXX, which does not appear timely. Not only was there a delay in receiving the title, but also the title was not properly notarized. The title I received was dated and stamped by the notary and all information was completed, with the exception of the notary 's signature. The notary signature is required by my county for processing of the title. XXXX requires that they be listed as the lienholder on the title, as well.
After several weeks of back-and-forth conversation with Kia 's escalation team and customer service, it was finally determined that I was incorrectly advised that a new title would be sent to me and that I would need to send the title back to the Title department for corrections. I was told that I could request the document be overnighted back to me once signed. I agreed and mailed the title back to the Title department via XXXX 2nd Day Air to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, TX. The tracking number is XXXX and I paid {$25.00} out-of-pocket for this.
The title was delivered on XX/XX/XXXX. It has been confirmed that this has been received but is still being processed. I am told every 2 weeks to call back in 5-7 business days for an update. I can not contact the Title department directly. No one can email me. No one can call me. The agents can only submit requests and I am left with nothing but hope that the process is completed in 5-7 business days.
Not only is this process exhausting and frustrating, but also very stressful. XXXX has stated that we are in breach of our contract and they will be accelerating the debt owed ( {$38000.00} ). Additionally, the county has informed us that the taxes for the vehicle will be approximately {$2300.00}.
As a middle-class family, we do not have this amount just sitting in our bank accounts. We are in the process of building a house and have XXXX small children. An acceleration of debt would negatively impact our credit score, causing us to be unable to continue construction on our new home.
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| 11/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/XXXX I submitted a consumer complaint under complaint ID XXXX. In that complaint I advised Kia motors XXXX that an erroneous claim was sent to the credit reporting bureau that I was 60 days late on my auto loan that had auto draft set up. I was originally told by Kia that it is a kia policy to automatically turn off auto pay for the very last payment to ensure that the full amount gets paid. After complaining that I was not properly notified of the termination of auto payment I submitted the aforementioned consumer complaint. In that complaint I was told by Kia the following : " While XXXX is sensitive to the concerns of XXXX XXXX, there seems to be some confusion as to XXXX XXXX Autopay plan. Autopay is a monthly recurring payment system that customers can sign up for on XXXX XXXX XXXX. The customer sets the date of withdrawal and determines the number of payments to be withdrawn. On XX/XX/XXXX, XXXX XXXX set up Autopay to withdraw a total of sixty three payments. The term of XXXX XXXX contract was for sixty six payments, two of which were made prior to his creation of the Autopay, leaving one payment unaccounted for. " Kia is now reporting that in fact they did not turn off my auto pay as a standard practice but that there is an unaccounted for payment because I selected one less payment of the terms of my loan.
I counter that claim with proof that two payments were made on XX/XX/XXXX. This payment is not being accounted for and was done in error which I previously complained about. Attached is proof in the form of a bank statement from my personal checking account that auto-drafts were made from showing the 2 payments that were made on XX/XX/XXXX.
Furthermore, attached is my payment history document from Kia. This document shows that as of XX/XX/XXXX I had made 65 payments of the 66 payment loan term. As Kia mentioned in their XX/XX/XXXX consumer report response : My final payment was due on XX/XX/XXXX- Meaning I had one payment left ; that was eventually paid on XX/XX/XXXX in order to close the account. Including the XX/XX/XXXX payment and the 2 payments that were made on XX/XX/XXXX that actually means I paid kia 67 payments of a 66 term loan.
Kia, please review your accounting records in respect to my checking account records and you will see that I made all 66 payments to Kia before the maturity date and yet Kia sent a false claim to the credit reporting bureau that I had a late payment.
My desired resolution at this time would be to withdraw the late payment claim from the credit reporting bureau. I am not even fighting you on the extra payment in the amount of {$350.00} that I made. I just want the claim removed from my credit report. If needed, I will even send you a copy of my checking account showing all 66 payments before the loan maturity date. If the late payment claim is not removed, I will be forced to take litigation.
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| 01/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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Complaint | Car Title not received | Waiting for refund | I bought a XXXX XXXX in XX/XX/XXXX. I moved houses in XX/XX/XXXX and requested change of address.
I paid off the car on XX/XX/XXXX. As of XX/XX/XXXX I have not received my title. I understand from what KIA has told me that at the end of the month of XXXX, the title was sent to the wrong address.
On XX/XX/XXXX an extra payment was deducted from my account, which a refund was issued via check on XX/XX/XXXX, and again sent to the wrong address.
I called on XX/XX/XXXX since I had not received the title and because I noticed I paid 1 extra payment. I was told that it had been sent to the wrong address -- both the title and refund. They said a lien release would be issued and sent to my current address and that a new cheque would be issued as the old one would be stopped.
As of XX/XX/XXXX I had not received anything. I called again and spoke to XXXX, who said that it had been sent to wrong address again, and that a new cheque would be sent out on XX/XX/XXXX and lien request was put into system.
As of XX/XX/XXXX I had not received anything. I called again, and spoke to XXXX who said that the system notes showed that cheque was to be processed on XX/XX/XXXX and title showed as in process. I asked to escalate, speak to someone and that I would be putting in complain if by XX/XX/XXXX I had not received both the cheque and lien release. I was transferred to XXXX, of KIA Finance, Supervisor. He said that the lien request had been sent in XXXX and the refund had not been re-issued.
Kia Finance sends mail without tracking number or anything. I requested this service to track the mailing, but was told they did not do that. I had to pay XXXX when I said I wanted to do that, I was told I needed a XXXX Account, which as a personal consumer do not have. He said a lien release was being issued and refund to be re-issued. I should receive both the following week.
As of XX/XX/XXXX XXXX told me the refund had been processed but not sent. A date for when it would be sent could not be provided. I spoke to XXXX at approximately XXXX XXXX. The lien release had not been processed. I spoke to Debr a Senior Supervisor at KIA, the highest person I could speak to there. No information could be provided. He did not say anything but that a new request will be submitted. It would take another 5 business days to receive further information. He can not provide answers or further information, could not have me speak to anyone else.
They said I had to write to : Kia Finance Attn : Care Department - XXXX XXXX XXXX XXXX XXXX CA XXXX Below are details of my account. This is poor customer service. There are important documents, sent via non-tracked mailing and with unknown recipient. All of this is the fault of KIA Finance. I expect both the title and refund issued and mailed with tracking and with email tracing.
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| 04/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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Monday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX was towed due to me falling behind on my payments.
I am self employed with XXXX children one of which is XXXX XXXX and I have had XXXX XXXX within the last year on my service due to XXXX XXXX. I have had to be on bed rest at some point and time which did put me behind with my earnings and income. I have however regained strength enough now to work full time and continue being on time with my payments moving forward.
XXXX XXXXXX/XX/XXXX I called kia around XXXX that morning to find out all details on the car and how i can regain repossession. I was told the balance I had to pay was {$2200.00} which was the fee for me being behind on payments as well as the fee for the towing. I immediately told them how serious this was for me to continue working and because I have kids I informed KIA MOTORS, XXXX XXXX XXXX XXXX XXXX XXXX ), as well as XXXX XXXX that I was serious about obtaining my vehicle as soon as I Could XXXX
XXXX I exorted all my funds and borrowed {$1000.00} to pay the balance owed and attempt to get my vehicle only to be told by XXXX XXXX that my vehicle was taken to auction the day prior which was THURSDAY. I spoke to XXXX XXXX that day and he never mentioned that.
I paid {$2200.00} to kia and my car is at XXXX XXXX in XXXX until XX/XX/XXXX. I am very aware of the law and I know this can not be legal. I am current on my payments since I have now completely paid the balance. I have not received a bill of sales or any letter of attempt to sale my car at this auction. I am told I must pay this auction {$230.00} as well as pay for my expenses to take a trip to XXXX to obtain my vehicle which will inquire funds as well. I don't have a way or help to get to XXXX and it will be almost impossible to do so with my XXXX XXXX XXXX child.
This has caused me a great deal or hardship and pain as I am exhausting funds using XXXX to get to where me and my kids need to go with no transportation and because I am self employed it is impossible for me to get to work destinations. I have no way to pay for my kia being at the auction.
I am told by XXXX that kia would be able to assist with my car being brought back free of charge and that KIA motors should be responsible. I am begging for help in this matter as everyday is costing me that I can not make money. I have lost countless cleaning jobs and everyday I am spending money. Please help me.
The damages and stress this is causing will make me become XXXX
I have invoices everyday from XXXX when I was supposed to be able to pick up the vehicle showing that I will no longer get paid for missing those jobs. This has caused me to be behind on my rent as it is the beginning of the month. I have already received a letter to make payment or ill be taken to court for possession of the occupied apartment.
This is not fair to me. Please help.
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| 04/14/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX says they are totally separate ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
XXXX XX/XX/2021 Payment inadvertently made of {$24000.00} on lease payment due of {$240.00} Said funds were transferred from my XXXX XXXX XXXX checking account to XXXX XXXX.
XXXX XX/XX/2021 Called XXXX Customer Service to report over-payment. I was told they would look into it.
XXXX XX/XX/2021 Called XXXX Customer Service and was told the payment processing department could not process the refund because of possible stop payment on my check, and was told to check with my bank. Called XXXX XXXX XXXX and they informed me that no such stop payment order had been received and the funds had had been withdrawn from my account and sent to XXXX. I immediately relayed this information back to XXXX XXXX Customer Service and was told this information would be sent to the Payment Processing Department.
XXXX XX/XX/2021 I inquired as to the status of the refund and was told the service request had been submitted to the Payment Processing Department on XX/XX/XXXX, and was would be sent to me by XX/XX/XXXX ** XX/XX/2021 I was told that XXXX XXXX could not find my request for a lease extenstion, which I requested on XX/XX/2021. They told me that they would check and would call me back. I never received a call back.
XXXX XX/XX/2021 I was told Customer Service would email XXXX XXXX Department and would explain the over-payment and would request that the over-payment be applied to one expect the refund in 30 days, and/or 16 business days.
XXXX XX/XX/2021 I was told that the refund check would be sent, but would take 3-5 days for me to receive it.
XXXX XXXX XXXX I checked on the lease extension and was told it had been approved and I could ignore the " request to return leased vehicle '' letters that I had been and would be receiving. I checked on the status of the refund and was told it was still being processed.
XXXX XX/XX/2021 I called Customer Service and was told that their prior request to the Check XXXX Department had been improperly completed and that they would submit a new request.
XXXX XX/XX/2021 I was told by Customer Service that no response had been received from the XXXX Department and that they would submit an email to them marked urgent.
XXXX XX/XX/2021 I was told that an urgent email request had been submitted, but Customer Service had not yet received a response.
XXXX XX/XX/2021 This information was FAXed to XXXX XXXX, Attention CARE Department XXXX XX/XX/2021 Talked to employee supervisor and manager and was told, in each case, it was in process and would be sent 16 days from XX/XX/XXXX, although they had no official confirmation and would send another email if refund date could be improved.
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| 07/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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To whom it may concern, I am writing to you as my last resort. I have called Hyundai Motor Finance on six occasions in regards to correspondence I have received from said organization about the status of my account. On XX/XX/XXXX I received a text from www.hfmusa.com. It stated I have a payment past due. Upon seeing that I was concerned since I paid the full balance of the lease on XX/XX/XXXX. Here is a clip from the email sent from Hyundai Motor Finance : I have this complete email if needed. I have documentation of the withdrawal as well from my bank statement. This amount was quoted to me from HMF customer service. I sent this amount because it was required for me to pay the full balance of the lease in order to qualify for my mortgage. I can document this as well.
All of XXXX all was well with the monthly payments. Each month the monthly payment of approximately {$230.00} was deducted from my account. My lease is due to terminate in XX/XX/XXXX. So when I got the text I checked into the other documentation I had. On XX/XX/XXXX I got this email from HMFUSA on my account balance. You can see that it indicates that I still have a credit balance of {$2700.00}.
I have called HMF concerning this six time. The first time I was accused of being a liar because the inserted documentations did not have a confirmation number. The CSR eventually hung up on me. I have worked closely with call centers and know how they work so I escalated my calls to a supervisor, account specialist, and call center manager. I then called to speak with the call centers manager. I was given to one of her peers as she did not resolve this issue. I requested to speak with her manager. I was told that they were not available. I was told I could not have a name or contact information to that person.
I then called corporate offices and tried to go through their switchboard. I was transferred to a number with a recorded message that said their office was closed. I called back and got no answer 4 more times. I called once more and got the same switchboard operator who told me that there was nobody in their corporate office available due to the virus. I begged her to give me anybody who can contact somebody in their office who could help me. She passed me through to an Executive Assistant in Finance who in her message said she had nothing to do with leases. I left a message and have not heard back. I am concerned because I was told in one of my last calls that this issue has NOT been resolved. I do not want to walk out my door one day and the car is repossessed and I have negative credit reports placed on file.
Please respond to me by either email or US Mail. I wish to maintain a paper trail if I need to settle this issue in the court system : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Cc : Hyundai Motor Finance XXXX. XXXX XXXX XXXX, TX XXXX
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| 07/23/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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This is the letter that we had sent to Hyundai Motor Finance-Credit Dispute Center back on XX/XX/XXXX. Please review letter for description of events that had transpired leading up to this complaint : To Whom It May Concern : Today Im writing to request a goodwill adjustment to my credit files.
My son hopes to be attending college this fall, and my wife and I are in the process of applying for a student loan to help pay for his education. To our surprise, the lending company denied our application because of a negative mark on our credit report. We have always had excellent scores and have never had an issue securing credit. Upon further investigation, we discovered that our credit report from XXXX included an Adverse Account from Hyundai Finance.
The lease agreement for the XXXX XXXX XXXX XXXX that we drove ran from XX/XX/XXXX through XX/XX/XXXX with a total of 36 payments. The first monthly payment was included in the amount due at lease signing. The remaining 35 monthly payments were consistently made on time. And at the end of the lease period the vehicle was returned directly to the dealership on time without issue.
Some time after returning the vehicle we began receiving calls from XXXX XXXX, a debt collection company. Thinking it must have been some sort of scam, because we knew we were current with all our accounts, we ignored the calls. Then we received a letter from XXXX, dated XX/XX/XXXX.
When I called XXXX regarding the letter I was stunned with the amount they were collecting, {$2500.00} for mile overage and excessive wear and tear. I immediately contacted the Lease Maturity Team at Hyundai regarding the balance due. My wife and I were under the impression that we had signed the leasing agreement with 14,000 miles per year. We checked our copy of the leasing agreement and, to our surprise, it indicated only 12,000 miles per year. So on XX/XX/XXXX we paid the balance in full via telephone with XXXX XXXX. With the debt paid, XXXX sent us a Release of Debt letter indicating that our account had been satisfied in full.
To be clear, the Hyundai dealership never told us that we had overages on our mile allotment or that there were additional charges to be paid on our account, and we never received any bill directly from Hyundai Finance. We also never received any notification from Hyundai or XXXX that a late payment would be reported on our credit report as a negative mark.
Taking into account our 36 months of on-time lease payments and the mitigating circumstances around the additional balance due, Im requesting a goodwill adjustment to our account and hope you will consider my request to have the Adverse Account removed from our credit report.
Thank you for your time and consideration. We hope your compassionate resolution of this matter will help us secure a bright and productive future for our son.
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| 12/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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This complaint is regarding Kia Motors Finance. My normal monthly payment is {$370.00}. On XX/XX/XXXX I made an online payment of {$1000.00}. I expected the monthly payment to be paid and the remainder go to the principal of the loan. On XX/XX/XXXX I went to make my monthly payment and the total amount due stated XXXX. I called KMF customer service and explained how I wanted the previous months payment allocated. The representative said it could be done and submitted an order to move {$620.00} to the principal. I then asked the rep what the payoff balance would be for that day ( XX/XX/XXXX ) and he stated that since I was being credited XXXX the payoff would be {$3300.00}. I immediately paid that amount on their website. I asked the rep when I would receive my title and he stated after the payment clears the title will be sent within XXXX business days. When I received my statement for XXXX XXXX my {$3300.00} payment did not appear and in fact it show I missed a payment in addition to another payment due for a total of {$740.00}. It also showed that XXXX payments remained on the loan. After being away for the XXXX holiday, I called Kia on XX/XX/XXXX and explained the above. I asked the rep to review the phone call from XX/XX/XXXX to hear what the rep stated was the payoff balance told to me by the employee since she stated there was a remaining balance on my account. When she was unable or unwilling to do so I asked for her supervisor. I waited for 20 minutes and A a woman named XXXX XXXX who refused to give an ID #, told me she would check into my issue, placed me on hold for another 20 minutes and disconnected the call. I immediately called back into customer service got another rep, explained again, asked for a supervisor again and was hung up on again. I called back on XX/XX/XXXX and went through the same scenario 4 times. Speaking with supervisors XXXX, XXXX, XXXX XXXX, and XXXX. All of whom were rude, obnoxious and unhelpful and who all placed me on hold and disconnected the call. My XX/XX/XXXX and XX/XX/XXXX statement both do not show my payment for {$3300.00}. KMF has not properly accounted for my payment and and continues to keep an open balance balance on my loan and continues charging me interest since XX/XX/XXXX. They will not escalate the issue, refuse to access audio recordings to shed light on the discrepancies, and refuse to take accountability for mistakes made by their employees. I contacted the so called Customer Affairs Division who quickly tells you they only deal with warranties. No one was willing to assist me in getting this issue resolved.
I would like the recording from XX/XX/XXXX when I was directed to pay {$3300.00} to pay off my car to be listened to and or released. I would also like any interest charged from XX/XX/XXXX to date, to be removed, my account closed and title released.
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| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had Contacted Hyundai not once more like 5 x on not one but 2 leased Vehicles, Prior to this I was a loyal Hyundai Consumer for over 18 years our Daughters first Car was threw Hyundai @ XXXX shes now XXXX I leased my car with a cosigner. My uncle, XXXX XXXX, and Hyundai Salesman lost my whole deal.and I paid dearly buy putting that Vechile with a Balance of {$9100.00} which was incorrect as it was traded for another Hyundai that I ended up paying a lot more in interest cause 2 Hyundais were on my report they stated when I called this was according to Credit Reporting XX/XX/XXXX # XXXX which only cause they were Penalized this car was taken off my Credit Report but the damage was already done.
On the second car still on my Credit Report same thing but they tried saying the Car had a scratch on it and this time they claimed I owed {$12000.00} and claim wear and tear I traded this car as well and I had it for 3 years with 17,000 miles to Kia here in Florida I spent a lot of money because I put me on the credit agencies, not once one cop of the two cars that was unfair, because Ive always been faithful to Hyundai Kia took possession of the vehicle it was mint Upon having a discussion with Hyundai the woman from Texas told me that the car again had wearing tear, as well I had to pay that {$800.00} Fee Which I was no longer responsible for the vehicle, because Kia took the full possession of it, and I financed a car through Kia that was through the roof, because of what Hyundai did to my credit report Its not just about Wrongfully putting me in the credit Bureau. It was a trickle down effect in this particular vehicle was making up and still listed in the credit Bureau as of my last pill of my credit report is XX/XX/XXXX I feel, Hyundai owes me Compensation for what they wrongfully have done when I was not in Error, Hyundai was and they got fined but I Paid dearly for Their Ignorance and I am considering pursuing this Matter to an Attorney against Hyundai for Not just hurting my Credit but for the Numerous times I have called and was told they would work out a payoff plan it goes much deeper, like my Anxiety and non Compassion they had to a very Loyal Consumer as I stated Hyundai affected Me and my Credit Score as I said the last vehicle is still on my credit report which means everything that I apply for I either get denied, or I pay higher rates, which is not fair if they had just done the Correct, Honest Way in handling all of this but their Greed Cost me a Woman who is on XXXX and on a Fixed income SSDI Any chance of getting a loan to allow me to move forward with my life So their being penalized got them out of their Jam, But has done Nothing to help Consumers who got hit in many different ways This is why I am Seeking an Attorney as I feel I should be Compensated for their Errors.
Thank you, XXXX XXXX XXXX
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| 02/16/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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To whom it may concern ; Concerning the subject in the reference line, please allow me to detail the facts of which I believe that I have been a victim of trickery in the leasing of my vehicle.
On XX/XX/XXXX I signed a leasing agreement with the XXXX Company where I purchased a vehicle with ID XXXX, model XXXX, for {$15000.00} with monthly payments of XXXX for 36 months, as stated in contract No. XXXX.
I have received several calls from this same concessionaire and contacted by an employee of this company named XXXX, who stated I qualified to renew my lease and with this news I was motivated to renew it again. I then went to XXXX to learn more about the terms and conditions of the renewal and agreed to do so. I was told the remaining payments of the previous lease would be assumed by them. Hence I leased a new vehicle, according to contract XXXX dated XX/XX/XXXX.
However, believing that the previous payments were made by the concessionaire in a timely manner in accordance with the express commitment made by them, with great surprise and disappointment, I answered a call from XXXX., On XX/XX/XXXX, where I am told about the delay in payments on my account and that this would affect my credit since one of the payments of the contract of Initial leasing purchased with XXXX under contract XXXX had not been made. Desperate in the face of this situation, I tried to explain to them of what was agreed with the concessionaire and that I was not responsible for such payment, since I had renewed the lease with that same concessionaire and that the debt of the previous lease would be paid by them. To that the collection agency responded that they were not aware of this, but that apparently this practice was common with this concessionaire because they already had reports of other cases similar to mine and despite the circumstances and knowledge about this dealer, they could not do anything about it, and that the only option I had was to make an immediate payment of the outstanding fee and not reported and that with the register 's receipt of cash that they gave me claim it directly from the concessionaire.
They offered to close my case in full if I immediately paid the sum of {$300.00} instead of XXXX which was the total due on my account. They also pointed out that they were not the ones in charge of reporting to the credit bureau and that the only ones who could do so was HYUNDAI MOTOR FINACING, and that their work was only collections.
When I realized the seriousness of the matter, the first thing I did was to make a payment in the amount that the agency told me to pay immediately so that my credit record would not be smeared and my financial rating would not lower my credit score. However, the consequences of being late in payments and not being notified on time about this situation had already been created.
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| 05/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/2020, I paid off my auto loan. I wrote to the finance company in Georgia on XX/XX/2020 requesting they cancel the Gap Insurance and issue a refund for the unused premiums. I waited a couple of weeks ; and, after not hearing back, I called the GA office for a status. I was told I had to write a letter to the XXXX XXXX XXXX in XXXX XXXX, FL.
I wrote a second letter to the XXXX XXXX XXXX on XX/XX/2020. Again, I waited a couple of weeks and then I called on XX/XX/2020 for a status update. The representative told me my request had been processed on XX/XX/2020 effective XX/XX/2020, the date I paid the loan in full. She further told me the dealer had the funds and she instructed me to call them.
On XX/XX/2020, I contacted the dealer in XXXX XXXX, NV by phone. The operator told me their offices were closed for a month because of the Covid 19 virus.
I waited another month and then began calling the dealer again. On XX/XX/XXXX I was transferred from one extension to another, but no one answered the phone. I left numerous messages and no one called me back. I also engaged in a Chat Session and explained my situation in great detail, including the fact that I had moved to TN on XX/XX/2020. I gave them my new address and I was told I would receive a call back.
When the call was not returned, I called the dealer in XXXX XXXX again on XX/XX/2020. The result was the same. I was transferred all over the place and sent to extensions that went unanswered. I called back several times, was hung up on several times, but finally spoke to someone named XXXX who transferred me to someone named XXXX. XXXX was rude, unprofessional and nasty. She told me I would have to go down to the dealership in person. When I told her that was not possible since I was living 2,000 miles away, she then told me I would have to call the finance company. She tried to out talk me several times and even hung up on me! She was, though, actually able to tell me the amount of my refund. This tells me my refund had, in fact, been processed on XX/XX/2020 and the dealer was holding my money.
I wrote a letter to the CA office of the auto finance company on XX/XX/2020. I have not heard back ; but, in the interim I have tried numerous times to contact them by phone. Every time I have called, and after entering all of my information to identify my loan, I hear a message saying something like 'Our lines are extremely busy right now. Please call back later. '' And then I get disconnected.
I have now gone full circle and am right back at the beginning of my journey. I am hoping someone in your office can help me get this resolved once and for all.
If the dealership is holding my funds ( which I definitely know they are for at least 2 months now ), they need to send me a check asap. I have waited way too long to get my money back.
Thank you.
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| 06/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I purchased a XXXX Kia XXXX XX/XX/XXXX. In XXXX of XXXX the vehicle was repossessed for 3 monthly installments in arrears. I paid the balance and regained possession of the vehicle in XXXX of XXXX. Before I regained possession my name was reportedly ( by a Kia Motor Finanace employee ) removed from the vehicle title. My name was never added back to the title once I regained possession. I was made aware in XX/XX/XXXX when I attempted to renew the vehicle license plate tags/registration. At that time a representative of the Florida Department of Motor Vehicles advised that my name was no longer affiliated with the vehicle and had been removed XXXX months prior. I was also advised that I had no ownership interest in the vehicle and that I could not register or renew the license plate tags on the vehicle.
I operated this vehicle for XXXX months, unbeknownst to me, with an improper license plate as it was no longer affiliated with this vehicle. I have not been able to register the vehicle or drive the vehicle since XX/XX/XXXX. I have contacted the Kia Motors XXXX finance company multiple times to correct this issue. I now have to contact my insurer to advise that the vehicle does not have a valid license plate and I am no longer the registered owner. I have called and sent emails and I am continually routed between the collections and customer service team. I have been told to call back for a supervisor, placed on hold and the call was immediately disconnected, and repeatedly told by representatives that they can not help me. I have also been advised that the problem has been corrected and I go to the Department of Motor Vehicles only to learn that my trip and waiting are in vain because nothing has been corrected. My housing community has warned me about have a vehicle on the premises that does not have a valid registration. Please help me. I can not drive to work, I can not register, sell, or trade the vehicle and Kia is doing nothing to assist me in correcting this issue. If this issue is ever corrected I will now have to pay additional fees to obtain a new license plate and a surchage for being without insurance for some time. Since I have been unable to drive the vehicle for several months I am unable to consistently work 40 hours per week. If/when I pay for other transportation it makes it impossible to pay my care note in full and on time. I am now 60 days in arrears again and the finance company is threatening repossession. I am convinced that this was their intent all along. Kia Finance has breached our contract. I am expected to pay for a vehicle that I can not use and that I do not have any ownership interest in.
The Florida Department of Motor Vehicles is unable to provide any written documentation to support this claim because I do not have any ownership interest or connection to this vehicle.
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| 11/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XXXX I was involved in an accident with my XXXX XXXX that caused it to be totaled. At the end of XXXX my Insurance told me to request Payment History from Hyundai so I can provide it to GAP. XXXX was my First-time requesting Hyundai to send me my Payment History on my totaled XXXX XXXX XXXX. XXXX told me that they were going to email me the requested documentation. This is the first occurrence of me never receiving the information. I gave until the end of XXXX in case there was a delay which I then had to call Hyundai again to put in a second request. I spoke directly to customer service and asked them to send the requested Payment History to by my email and my Sons email since we are both on the account. I was informed that they would email it to both of us as well as mail it out directly. Again, I never received either format they said they would send it in. Unfortunately, I did not have another opportunity to request the documentation again until XXXX due to being sick. I was at last able to receive an email from Hyundai on XX/XX/XXXX but could not open the attachment provided on it. After XXXX attempts of trying to open the attachment, I had to call Hyundai again on XX/XX/XXXX to put in the request again. They proceeded to tell me that it was a back-office problem and they would email the request again for me. I was also reminded that everyone is working from home and that I should be patient. As I understand and was being very patient, I asked them again to please send it since I could not open the original. I, once again, never received the requested History. On XXXX, Hyundai put my car on an unpaid debt status even though they knew I was trying to get documentation from them in order to provide it to GAP so it can be paid off. I never heard back from them after the negative status change. Sadly, I had to request the documentation several more times after this occurrence but never received it. At the end of XXXX, I called Hyundai again to inform them that I am going to get a lawyer involved if they do not send me the requested Payment History. It was at this time I was finally able to receive the paperwork one week later. It is now sent to GAP and is in the process of being fixed. The problem I am running into right now is that this entire process and disregard from Hyundai has caused my and my sons credit to drop more then 50 points causing us to be below XXXX credit score. I have been trying to move and rent a house for a month and a half now but keep running into the same issue. Credit. I need to have this removed from my and my sons credit so we can return to our original credit score before this dreadful situation occurred with Hyundai and so we can finally move as weve been needing to. I appreciate you taking the time to read my complaint and assistance on this matter.
Thank you.
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| 07/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hyundai Motor Finance took two payments from my checking account in XX/XX/2020 when only one payment was due and I did not authorize the second payment. I contacted them several times and was told it would take 16 business days to reverse it and they would then have to send me a paper check. Every person I spoke with at Hyundai has acknowledged that the 2nd payment taken in XXXX should not have been taken from my checking account because I did not owe 2 payments. They suggested I leave it and it would pay my XXXX car payment in full. Hyundai taking two payments in XXXX caused serious financial problems for my family because my monthly payment is {$720.00} a month. I left the payment with them and have since contacted them because the automated account information still says I owe my payment by XX/XX/2020. I called them and told them about this and they told me " not to worry about any late notices I receive ''. They would not and have not given me a receipt for the extra payment in XX/XX/2020 to reflect the 2nd payment was applied to XX/XX/2020. It looks like I just paid an extra payment on my account to Hyundai.
For several months I have not been able to access my online account without calling Hyundai and having them delete my old account and start a new account. It works when they " fix it '' but the next day it won't let me access my account again. I put in my information to try and fix it myself and it tells me that my information is not correct. The information it asks me for is my date of birth and social security number. I have asked for technical support help to get it fixed permanently but have never been given that option. So at this point Hyundai fraudulently took over {$1400.00} from my checking account in XX/XX/2020 and made it sound almost impossible to get the money put back into my checking account in a timely manner. So when I decide I really have no other choice and believe my car payment is paid for XXXX and that I won't have another car payment due until XX/XX/2020 I find out that it was never applied to XXXX and I owe another {$720.00} by XX/XX/XXXX which I can't afford to pay. When I originally called them in XXXX it was to get them to help me fix my account again so I could log on and make my XXXX car payment but instead they took the two payments and charged me {$7.00} for each payment because they took the payment by phone. I am getting cheated so badly by Hyundai Motor Finance and I really need help. I have called them repeatedly and they lie every time.
I also want to include that When I called in early XXXX to have them fix my account so I could log in they told me I didn't owe a payment for XX/XX/2020 because I was paid ahead so I opted not to make a payment in XXXX and use that credited amount for my payment. I included this because I do not want this getting confused.
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| 08/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem extending the lease
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Web |
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To whom it may concern, My lease expired in XXXX. My intentions were to purchase my vehicle but due to covid and lockdown restriction did not have the opportunity to go find a financial lender nor get a buy out from original dealership. Kia finance said they understand and gave me a 30day extension over the phone. On XX/XX/XXXX I spoke to KIA again and stated my wife was XXXX and I would need more time, the representative said we will give you a 6 month extension all the way up to XX/XX/2020, as long as I paid the previous balance which was in amount of XXXX, which I gladly did. Fast forward my wife had tested XXXX for XXXX and it complicated birth plan including moving her XXXX that was schedule to remove her XXXX due to the fact she is a high risk. On XXXX XXXX my XXXX was born. Today XX/XX/2020 I woke up to find my car missing and according to KIA finance manager XXXX my car was repossessed. When I asked why was that when i had an extension and we had a agreement the said agreement was never finalized, rather than contacting me, they repossessed my only working car on a day my XXXX had a doctor appointment for his 2 week check up. I asked why was I repossessed? did i owe you money?, he said no we actually have credit for you. I asked what was it then, he said because of a contract that was not finalized, I said but you have your money why could you not have just sent again I will gladly resign and submit he just kept telling me to bad nothing I can do. I pleaded and expressed the embarrassment in front of my neighbors, my wife post hormonal crying because of the stress of us not being able to make our babies doctor appointment and everything to no emotion or empathy just did not care. When I went to pick up my belongings, they did not allow me to get the things out of my car which they already had gone through and packed. I could not remember everything in car but the 2 most important things where my children car seats and my firearm, which they had gone through and taken apart. As well as now to receive my belongings I am being charged {$100.00} cash fee to get my own things that should have never been taken away in the first place during these challenging times. Which again I have barely left my house in over 2 months to avoid contacting or getting infected with the covid which would affect my wife newborn and XXXX XXXX XXXX. During this time of need I do not understand how you guys can tell me to pay my bill and when you find out I do not have a bill you hang up and claim a disconnect and say themselves they have no reason why this car was picked up. I feel very disrespected and can not believe the way I was treated after being a loyal customer for over 9yrs and not even get a proper apology nor explanation on why the events have occurred and brought such much turmoil to me and my family.
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| 01/18/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Loan opened without my consent or knowledge
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Web |
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I allowed a family member to use my information inquire on a car loan. After the inquiry, I told the family member and the Kia Finance loan officer the interest rate and monthly payments were too high and probably unaffordable for her. The family member and Kia Finance still continued to use my information to process the loan. Kia Finance has also caused repeated and double digit decreases to my credit ratings. On XX/XX/XXXX, Kia Finance caused XXXX inquiries to be placed on my credit reports. Kia Finance failed to warn me in advance of these numerous, unwanted and credit destroying inquiries. I have repeatedly asked Kia Finance to remove my name from this account and to remove this account from my credit reports. Kia Finance refuses to remove my name from this account or to remove this account from my credit reports.
I have never and would never use a finance company for my auto loans. I would never accept a {$620.00} per month payment or an XXXX percent interest rate for a car or any other loan. I only use my banks for my loans. My family member was lured into this predatory loan. Kia Finance knew she was unable to make these payments but still provided her this loan. Additionally, Kia Finance has horrible review and I would never use Kia Finance for an auto loan. My family member is now in default on this loan and owes nearly {$2000.00}. On XX/XX/XXXX, Kia Finance caused my credit score to decrease by XXXX points. Then again on XX/XX/XXXX, Kia Finance caused my credit score to decrease by another XXXX points. This is a total of XXXX points decrease of my credit score. This is not the first time Kia finance has destroyed my credit score. On XX/XX/XXXX, Kia Finance caused a XXXX point decrease to my credit rating.
Kia Finance is a predatory and unscrupulous lender with terrible customer reviews. Kia Finance has destroyed the credit scores of many of its very own customers. Kia Finance also sent mail to my home for my relative who does not even live in my state. Kia Finance also uses ringless voicemails to harass its customers.
Kia Finance also attempted to force me into an illegal procedure to register this vehicle from another state in my state. The vehicle was purchased and insured in XXXX. Kia Finance told me I had to register the vehicle in XXXX. Kia Finance even sent registration documents to the XXXX Department of Motor Vehicles. It would have been impossible and illegal to register this vehicle, purchased and insured in XXXX in XXXX. Furthermore, the State of XXXX requires an emissions test. It would have been impossible to obtain an emissions test on this vehicle located in XXXX for a XXXX emissions test. Even if possible, it would have needlessly cost me XXXX of dollars to register the vehicle in XXXX. This vehicle was purchased by and for my relative in XXXX, not me.
|
| 10/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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|
Web |
Older American |
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On XXXX XXXX, 2015 evening, I signed a contract for a new car with features misrepresented by the salesperson. The car was returned to the dealer 's possession the next day, within XXXX hours.
On XXXX XXXX, 2015, I was asked by the floor manager to come on XXXX XXXX, 2015, to get the problem solved when the salesperson will be at work.
On XXXX XXXX, 2015, when came after XXXX, I was told by the salesperson that the car dealer can not do anything because it was " late, '' and I was asked by the salesperson to come on XXXX XXXX, 2015, specifically before XXXX.
On XXXX XXXX, 2015, when I came before XXXX as requested, I had to wait for approx. two hours for the salesperson. Finally, three hours after I came, a XXXX contract for another new ( " replacement '' ) car was signed, but BACKDATED by the car dealer to XXXX XXXX, 2015, from to me unknown reasons. The XXXX contract was allegedly cancelled as never happened ( as being told by the car dealer, ) and the down payment paid on the XXXX car was fully transferred to the XXXX car contract. The car dealer did n't provide me with any document/declaration related to the cancellation of the contract for the XXXX car.
On XXXX XXXX, 2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the finance company congratulating me on the purchase of the XXXX car that was in a car dealer 's possession since XXXX XXXX, 2015. The finance company opened an auto loan account for the XXXX car that I had NO POSSESSION of anymore, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including a car dealer 's commission, on XXXX XXXX, 2015. XX/XX/2015, I received a first monthly statement, generated on XXXX XXXX, 2015, for the first car that was not in my possession since XXXX XXXX, 2015.
The car dealer allegedly assigned the contract for the XXXX car to the finance company on XXXX XXXX, 2015. XX/XX/2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the same finance company congratulating me on the purchase of the XXXX car. The finance company opened an auto loan account for the XXXX car, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including another car dealer 's commission, on XXXX XXXX, 2015.
When I sent a letter to the finance company requesting information about the dates on which applications for auto loans were approved, the dates on which auto loans were reported as opened and closed to Credit Bureau Agencies, and other questions regarding XXXX car contracts and auto loans, the finance company refused to answer my questions stating that as a creditor they have no obligation to answer my questions.
|
| 09/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX, I leased I XXXX Kia XXXX from XXXX Kia, located in XXXX XXXX, NY. On XX/XX/XXXXXXXX I brought my car in for it's XXXX mile oil change. After waiting for over 3 hours, I was told that when the technician forced a computer update, it " burned '' the computer out and the car was not driveable. I was without my vehicle for a few days. On XX/XX/XXXX, I was driving my car on the XXXX XXXX XXXX, and the car shut off without warning while I was driving it. I was able to coast to the side of the road and called XXXX when I smelled something burning. The car was towed to XXXX Kia, then to XXXX Kia. I was told it was a faulty fuel injector. I expressed my concern for my safety and the safety of others, as well as the car being unsafe to drive. I wrote a letter to Kia corporate expressing my safety concerns. The car has given me issues ever since I owned it and has been in the shop numerous times, but because there is no " code '', I am told there is nothing wrong with car. I requested that me lease be canceled and my money to be returned. I even asked for 1 month lease payment to be waived since I was paying for a defective car that has been in the shop numerous times. On XX/XX/XXXX, I was given a waiver to sign and that I would be credited 3 car payments totalling {$1100.00}. I informed XXXX that I would not sign a waiver releasing them of any past, pressent and future issues with the car, and that my life and the lives of others are worth more than 3 car payments. I expressed that they continued to ignore my safety concerns. I stated that I am afraid to drive the car and the car is unsafe. The car continues to have issues and I am told they can't find anything wrong.
On XX/XX/XXXX, I was driving my car into my friend 's condo complex. The car once again shut off without warning while I was driving it. The smell of gasonline was nauseating. My car once again had to be towed to XXXX Kia. I spoke to XXXX, the service manager and expressed that I am scared to drive the car and my safety and the safety of others are at risk. Should I have been on a busier road, there clearly would have been an accident. Someone would have gotten hurt or killed. I called and emailed XXXX at Kia corporate. I informed her the car once again shut off without warning while I was driving it and that something has to be done because someone is going to get hurt or killed. She stated she would esculate the case. whatever that means. Now I am having nightmares about crashing the car. I am in desperate need of your help. I am requesting a replacement vehicle at no extra charge or my down payment and all payments that have been made to be refunded. The cost of that will be much cheaper than a lawsuit for someone's injuries or death. I greatly appreciate your help with this matter.
Respectfully, XXXX XXXX
|
| 04/16/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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In XXXX of XXXX I purchased a car from Hyunadi Capital America for the amount of {$23000.00}. I made payments of {$430.00} every month for four years. Sometimes I was late or didn't give the full amount but I always got caught up. Sometimes I gave them the payment early or an extra payment.
In XXXX of XXXX my car payment money was taken out of my account by a family member who had my pin number. So when Hyuandi went to take it out it was rejected for non payment. I got some of the money back and gave them what I had. I made arrangements to make more payments to get caught up, like I have done in the past. The young lady said she couldn't promise anything. The next day at XXXX in the morning they came to take my car. I cried for days, I never ever had a car repossessed. I paid off many new car loans and I had every intention of paying this off. I had one year to go and it would have been paid off. ONE YEAR!!
I didn't have the money to get it from them in the two weeks they said, so I had to let it go. The next few days I was watching TV and there were ads for a Hyuandi Program selling used cars that were under 50,000 miles in great condition. I realized this is why they were so eager to take my car as it had only XXXX miles on it and it was like brand new. I was in the middle of getting the brakes done and detailed. They just took my car because they wanted it for their program. They didn't care about what they did to me, so why should I care about the bogus amount they want from me. They took my car and lied to me.
Then I got the paper work from Hyuandi explaining that they sold my car for only {$5000.00} dollars and that I owed them {$4100.00}. The remainder of the loan was {$9000.00} and some dollars. I asked for a bill of sale to prove to me that is how much they got for my car that was like brand new and had under 45,000 miles on it. They sent me this bill with all these fees attached, I know that they got more than {$5000.00} for my car, it was like brand new.
I am disputing this on my credit report because it says it is closed. I refuse to pay {$4100.00} on a car that they sold and got way more for it than they told me, they had to. Why would Hyuandi tell me exactly what they got, all these corporations want to do is rob the little people like me. I had one year to go, I paid on it monthly all the time, but sometimes it was difficult. I am asking Experian to take it off my credit report. I can not give them this reason on their website so I thought maybe you can help me get it off my credit report.
I will try to get up enough nerve to call Hyuandi and tell them to remove it. But I fear that they will just lie to me again and tell me I need to pay this. They repossessed my car because of the program they were having, USED CARS UNDER 50,000 MILES!!!
|
| 04/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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Purchased a vechile in 2012 , I voluntarily returned the vechile related to financial hardship. I never heard back from the auto dealer, I was provided with no information regarding the car for possible repossession of the vechile, nor when it was sold. However I did hear from a collection agency asking for {$8000.00} + approximately! When I request validation of the information according to the law, I received no information but transferred to the collection agency. I began the disputing process with all XXXX credit bureaus but was unsuccessful, the item continued to be verified with no prof how. I never received what information was provided or how the conclusion came about. So I decided to contac t Kia Motors myself and spoke with the Kia financial office whom then sent me a copy of the contract which was tampered with showing misrepresentation of a legal document in which my husband and I never signed. My address was completely hand written over. According to the law the company must provide me with proper notification for redemption as well as deficiency. As well as being compliant with the 1. Uniform commerci al act 2. Retail installment sales act 3. Truth in lending act 4. Consumer fraud act Upon further investigation, I then spoke wit h the manager from the auto lot where the car was brought, whom then emailed me an unsigned contract with a different address ( the ad dress which was hand written over the contract after it was signed ) illegally. Enclosed is the contract in which I received from kia finance department, as well as the contract from the manager of Kia Motors unsigned with a different address which was not provided via drivers licenses from myself and husband in which the company altered without my consent, nor was it signed when changed, or initialed by me when performed nor was this misrepresentation on the contract upon signing. Furthermore, What I did not understand is that, if I was present at this time when the address was changed ; why was the contract fully reprinted for me and my husband to sign a clean accurate contact, if this happen while we were present at the dealership, as well as what other information was altered? According to the law if one pie ce of the contract was inaccurate and misrepresented then this item would be dismissed for non valid information, contract fraud as well as a criminal act breakage of : The Fair credit Act 807 using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Not to mention this item was sold a two debt collector whom I have no contract with whom continues to report negatively on my report while the item is closed and listed as a charge off, as well as providing false information to all XXXX credit bureaus.
|
| 03/26/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
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I leased XXXX XXXX on XXXX.
I paid {$2600.00} in down payment which includes the first-month lease amount.
I entered all the details in their XXXX XXXX XXXX XXXX on the lease day correctly and I am attaching screenshot of it as well.
I was expecting the first bill around XXXX.
I haven't received it from Hyundai until XXXX.
I called Hyundai salesman at the dealership who helped me getting the vehicle and he disconnected the call sending a text message " I will call you back ''. ( I have proof of the messages ).
After a few days, I called him again to receive the same text message.
I sent him a message explaining about the missing bill to explain the issue.
After a few days, I called the dealership number and reached the finance team which went to the voice message system.
This kept on happening and on XXXX, the car was repossessed from my apartment complex parking lot at the night.
I thought the vehicle was stolen.
I called Hyundai care to disable car movement if they can and they suggested to raise a police case and provide the case number.
I went to the police station and they checked and told the vehicle was not stolen but repossessed.
I called the Hyundai care again and told them about this and they gave number of recovery team. It is closed for Saturday and Sunday.
Monday morning I called the recovery team and asked them I haven't received the bill and I was trying to reach the dealer and salesman but no help.
They went through the records and found the mails sent to me were bounced back, they noted my email ID wrong. They were contacting my employer 's phone number which I don't have access to. I gave it when they asked for employer details.
I haven't received any communication on how to pay.
They told me I need to pay a {$370.00} repossession fee and a lot fee which came to {$210.00}.
I asked to waive the fees because it was not my fault for not reaching the right number. I called my first point of contact ( Dealer ) and sales person at the dealer but no use. I have proof of the messages I sent to them.
I pleaded them and left multiple voice messages to their manager XXXX XXXX but no use XXXX he never responded ). They know it is their fault but they say it is their process and I need to bear the {$600.00} for repossession charges.
I created a complaint earlier " XXXX '' which was closed saying they reached me multiple times but the point is they tried to reach me on wrong phone number and wrong addresses which was not provided by me.
I am attaching the screenshot of the details in Hyundai system where it shows the details are wrong. I have asked them to correct Home details which they updated. But before update, the Home, Billing and Garaging details are the same which are no where related to the details I provided in my documents.
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I've been trying to resolve a property tax abatement issue with Hyundai Motor Finance ( " XXXX XXXX '' ) for over XXXX months ( since XX/XX/XXXX ). XXXX XXXX claims that I still owe property taxes on a previously leased car/account which is incorrect. I've spoken with multiple XXXX XXXX customer service representatives as well as emailed them numerous times and the issue is still not fixed. XXXX XXXX representatives have repeatedly told me that there is nothing for me to do on my end and that I've provided all the documentation/information they need ; however, the problem never gets taken care of. Hence, I'm reaching out to CFPB for assistance in resolving this issue. When I originally spoke with a XXXX XXXX representative in XX/XX/XXXX, I was informed that it would take approximately XXXX days to fix the property tax abatement issue. It now has been over XXXX months.
Additional details regarding dates of contact with XXXX XXXX are below : I first provided the requested documentation to XXXX XXXX on XX/XX/XXXX. Since then, I've spoken with HM Finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've also emailed XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, none of these phone calls or emails have led to my property tax abatement issue being resolved.
Additional information regarding my property tax abatement issue with XXXX XXXX is below/attached : I have tried to resolve a XXXX property tax abatement issue with HM Finance for XXXX XXXX months. Specifically, XXXX XXXX incorrectly lists that I still owe {$280.00} for property taxes on a previously leased vehicle. However, I returned the leased vehicle to XXXX on XX/XX/XXXX ( see attached Vehicle Return Receipt ). Please also see the attached document from the XXXX of XXXX regarding XXXX XXXX of Corrected Fees. The total tax amount paid for XXXX was {$340.00} and the overpayment for XXXX was {$280.00}. As a result, the correct property tax amount that I owed for XXXX was {$57.00} ( {$340.00} - {$280.00} = {$57.00} ), not the {$280.00} that is currently listed.
I've paid the {$57.00} which was the correct property tax amount that I owed for XXXX. However, my account still incorrectly shows that I still owe {$280.00}. Based on my conversation with a XXXX XXXX representative, I was informed that management was going to remove the {$280.00} amount from my account balance because it was listed in error. I was also told by the XXXX XXXX representative that my account was paid in full and that I did not owe any additional monies. However, this is not reflected when I view my account. My XXXX XXXX account still incorrectly shows that I owe {$280.00}.
Bottom Line -- I want the {$280.00} removed from my HM Finance account and I want my account to reflect that I owe XXXX monies.
|
| 11/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
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I purchased a lease with Hyundai in the city of XXXX California back in XXXX for a XXXX Hyundai XXXX XXXX. I was around XXXX XXXX XXXX and paid the lease on time for 6 years straight. The Hyundai payments were XXXX a month. I gave a XXXX Hyundai XXXX for trade with a trade in value of {$6500.00} and also a {$2800.00} down payment for the somewhat brand XXXX Hyundai XXXX with that had just under XXXX miles. Because of my age and credit history I was taken advantage with a predatory lease! I was told that I would be able to purchase my car for {$10000.00} at the end of my lease, and if I didnt I would have to pay for wear and tare of the car as well as {$.00} a mile of excess use! When purchasing the lease they insisted on me purchasing the gap insurance they provided for just in case I didnt want to keep the car and had excessive mileage then it would cover what ever balance over the {$10000.00} it would take to purchase the car. This what lead to a higher payment to Hyundai per month! My perfect credit score allowed me to purchase this car and I was excited and wanted me to protect myself in so I thought! 6 years later with over {$23.00}, XXXX invested in paymentsnot including maintenance for the car plus a trade in we are in the pandemic and they would not allow me to purchase the car for what I we agreed the buyout would be! I couldnt not deal with original Hyundai XXXX that bought it from because they went out of business for bad business practices. The XXXX Hyundai XXXX XXXX brand new value was {$23000.00} and after 6 years the value became {$18000.00} and the Hyundai would not honor the {$10000.00} value or not allow me a chance to make further payments to keep the car unless taking out a loan! They would not allow me to take out a loan because of going over XXXX miles in excess miles! With that the excess mile is now owed {$23000.00} which is the price of the car! Since then I have been backed in to a corner. Because of this my debt to Hyundai went from paid in full of lease to a inaccurate reporting on my credit report from owing nothing to owing {$14000.00}, and then over {$23000.00} in excess miles which is the price of the brand new Hyundai XXXX! I tried to settle the debt that I felt was of {$5000.00} which is the same amount I offered to give them as a down payment for the car at end of the lease and they said no they can only take {$18000.00}. They then sent me to collections with inaccurate reporting to an account that was maintained instead creating a new account for a new debt history that I never settled for. The collection company offered {$8000.00} pay off but I rejected it and they gave the account back to Hyundai where they wont come up with a reasonable resolution for a car that I worked very hard for to maintain and keep!
|
| 12/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
Older American, Servicemember |
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TOPIC : a ) KIA FINANCE AMERICA denied my loan application. Why are they telling me that Im 3 months behind in car payments?
b ) Without my permission, why did XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, send my loan application to XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, Application Number : XXXX, Dated XX/XX/XXXX, for the XXXX XXXX XXXX? This loan application was also denied!
c ) I have called XXXX XXXX, and KIA FINANCE AMERICA XXXX or 6 times, concerning the loan for the XXXX KIA XXXX that is on my credit report and why they refuse to have it remove, because XXXX KIA has the XXXX KIA XXXX, and KIA Finance America denied my loan. The response I get from them is They are not responsible for removing anything off my credit report.
d ) I have all the documents that prove everything XXXX saying. These XXXX companies are committing XXXX XXXX and damaging my credit history.
XXXX ) On Friday, XX/XX/XXXX, I was at XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, to purchase a XXXX. After talking to XXXX XXXX XXXX, XXXX, about what I need the XXXX for, he convinced me to purchase a XXXX XXXX XXXX. I did explain to XXXX XXXX XXXX that my XXXX XXXX is not XXXX or higher, but he assured me that does not matter.
XXXX ) XXXX XXXX XXXX ran my XXXX XXXX and told me that I was right about my XXXX XXXX, but he was going to talk to XXXX XXXX XXXX, XXXX, to get his approval for the sales.
XXXX ) XXXX XXXX XXXX returned and told me if I want to get the XXXX XXXX XXXX ( XXXX ), I must do the following : a ) Return my XXXX XXXX XXXX to Drive-Time, because I can not afford XXXX car payments, and beside I would get a better XXXX.
b ) If I decided to keep the XXXX XXXX XXXX, I would need to put a down payment of {$4000.00}. I listen to XXXX XXXX XXXX, and returned the XXXX XXXX and I did not have to pay a down payment.
XXXX ) I was told that since the lender ( KIA FINANCE AMERICA ) will not approve my load until Monday, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, wanted me to fill out and sign all documents, and then I could XXXX XXXX the XXXX XXXX XXXX over the weekend. But I had to put the XXXX on my insurance policy first. So, I did.
XXXX ) Once approved, the dealership XXXX XXXX will sign the documents and back date them. Then I will get a signed copy of the Sale Contract.
XXXX ) That did not happen!! I went back to the dealership and XXXX XXXX XXXX told me that the lender, KIA FINANCE AMERICA, denied my loan application.
XXXX ) XXXX XXXX XXXX told me not to worry because he has another XXXX that I could purchase. It was a XXXX XXXX XXXX. I did look at it, and since they took the XXXX XXXX XXXX, I told XXXX XXXX XXXX that I wanted it. I was told that I needed a {$4000.00} down payment. I refuse to pay and left both the vans at the dealership.
|
| 06/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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On XX/XX/XXXX I traded in my XXXX XXXX XXXX at XXXX XXXX in XXXX for a XXXX XXXX XXXX.
On XX/XX/XXXX I logged in to my Hyundai finance account and noticed my account had not been paid off.
On XX/XX/XXXX I contacted Hyundai Finance XXXX and explained to them that I had traded in my car on XX/XX/XXXX. The representative explained they had not received my check and I needed to make a payment. I explained to Hyundai finance I had just paid the XXXX XXXX a fee for the trade in, I didn't have money left over and everyone in my household had been laid off and unfortunately i was the only financial provider. They explained because I was not the one laid off they could not help me. I then contacted XXXX XXXX and they explained they had sent out the check. I called back Hyundai Finance and they said to give it a couple of days before I call to clear the account.
On XX/XX/XXXX I made a payment to Hyundai Finance of {$420.00} in fear of it affecting my credit score since my credit score was XXXX and I am planning on purchasing a home in the end of XXXX.
On XX/XX/XXXX XXXX XXXX gave me a XXXX XXXX tracking number and I discovered the payment had been received by Hyundai Finance on XX/XX/XXXX ( the day before I originally called them with the concern ) On XX/XX/XXXX I received an email from Hyundai Finance confirming a payment of {$18000.00} had been received on XX/XX/XXXX. I logged into the account and confirmed the payment. I also discovered Hyundai Finance entered my payment of {$420.00} before entering the {$18000.00}, using my second payment to get the interest and principal payment. I then contacted Hyundai Finance on XXXX XXXX and explained to them the payments and the concern of the over payment. They informed me I should get a refund within the next 10 days.
On XX/XX/XXXX I called Hyundai finance looking for my refund payment plus I explained the XX/XX/XXXX statement showed I had a balance of {$88.00}. I explained to the representative my pay off balance on XX/XX/XXXX was {$18000.00}, 2 payments totaling {$18000.00} was received by Hyundai Finance and I should in fact have a refund of {$460.00} and not a balance. She explained once the account is closed which would be on XX/XX/XXXX it will finalize if I owe more money or I get a refund.
On XX/XX/XXXX I called Hyundai finance and the representative explained he will send another email to their finance department.
On XX/XX/XXXX I submitted a dispute with XXXX due to the Hyundai Finance open account that has been paid off On XXXX XXXX I get an email from XXXX XXXX letting me know my credit score dropped 31 points. I logged into my XXXX account and sure enough my credit score dropped because my Hyundai Finance account is still showing active and a balance so the debt to ratio is much higher.
|
| 08/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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On XX/XX/XXXX I was looking for a new car, I happened to find a brand new car out at XXXX XXXX XXXX in XXXX XXXX, Nevada. I purchased a XXXX XXXX XXXX XXXX brand knew. I was very happy my XXXX was the maker of the car Kia Motors Finace. Well XXXX, XXXX, XXXX a tragic event happened in my life and, our house caught fire. Evberything we had was lost encluding my brand new car that was in the gargage at the time of the fire. Our home was a two story home, so everything on the bottom story off the home was burnt encluding the gragagr as, thats where the fire took place it was a bad water heater, that exploded the landlord, never replaced the water heater the whole three years we lived there, and we were going to buy this home as, soon as, our lease was up. any how we have been trumatized we lost everything. All our things nothing was saveable. In the mean time I started the claim right away in fact Kia Motor finance started working with my Insurance XXXX right away cause I lost allo the paperwork in the house fire everyone was so helpful. I had full coverage Insurance Gap two extended warrantys on this car, we all agreed on this on a conference call if Kia Motors will look back at there calls. The loan was for XXXX at the time of the purchase that is what was financed to me in XX/XX/XXXX when the insurance and, gap plus the payments I made from XX/XX/XXXX IN THE AMOUNT OF XXXX you would think the car would be paid in clear,, nope I get a statement in the mail stating I owe Kia Motors Finance XXXX then the lady I spoke to was lieing about me having any warrantys cause at this point I told her why werent the warrantys appied there should be a credit balance thats what I was told when I spoke to Kia Motor Finance in XXXX on the XXXX, XXXX when we had a three way with my insurance. She told me owe sorry I found them but, you got to cancel them I canceled them when the fire happened back in XXXX when I filed a claim with everyone, I told the dealer to cancel them when I replaced the car after the fire. This car should actully be paid off without the warrantys even being applied. GREEDY PEOPLE PERIOD -- -- -- -- -- why did Gap only pay XXXX when my car insurance paid above the acv value? XXXX I never missed one payment the time I had the car not one. I even always paid extra on some payments. I just lost everything my home everything I own I have exhusted my accounts, to try and, live I live in a one bedroon right now with maybe a weeks worth of outfits, and underwhere but, you want XXXX, XXXX when I had two warrantys that were for XXXX and, XXXX that where never even used, and I only had the car not even 9 months with less then XXXX miles on it at the time of loss. This is insane that car is paid it was paid before you even got the warranty money.
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I am writing to dispute the accuracy of the information on my XXXX credit report regarding the account mentioned with HYUNDAI CAPITAL AMERICA. The reported account status as " Account charged off/Never late '' is inaccurate and misleading. I am requesting a thorough investigation to rectify this error.
I hereby dispute the following : Account Information : Account Name : HYUNDAI CAPITAL AMERICA Account Number XXXX XXXXXXXX Type : Auto Loan Date Opened XXXX XXXXXX/XX/XXXX Date of Status XXXX XXXXXX/XX/XXXX First Reported XXXX XXXXXX/XX/XXXX Responsibility : Joint Status : Account charged off/Never late. {$3800.00} written off. {$3800.00} past due as of XX/XX/XXXX.
I dispute the accuracy of this account status for the following reasons : Payment History : Contrary to the reported status of " Account charged off/Never late, '' I have consistently made on-time payments as per the terms of the 72-month installment loan. Specifically, in XX/XX/XXXX, I made a payment of {$2900.00}, with the intention of adhering to the regular monthly payments of {$580.00} for the remaining term of the loan. My payment history has been characterized by diligence and punctuality.
Discrepancies in Account Balance : I have received correspondence from Hyundai Motor Finance ( HMF ) indicating that a settlement payment of {$23000.00} was received from XXXX XXXX on XX/XX/XXXX, which was subsequently applied to my account balance. Additionally, they noted refunds for ancillary product cancellations and other account credits totaling {$3500.00}, resulting in a balance of {$3800.00}. However, I have not received comprehensive information regarding these transactions, and I am concerned that they may have been inaccurately calculated or applied.
Missing 1099-C Form : Furthermore, I would like to bring to your attention that HYUNDAI CAPITAL AMERICA has failed to provide me with a 1099-C form for the written-off amount of {$3800.00}. This omission is significant as it should result in the reported balance being zero, in accordance with tax regulations.
I earnestly urge you to take prompt action in updating my credit report to accurately reflect the details of my payment history and resolve the discrepancies presented. Given my consistent record of responsible financial conduct and adherence to the payment schedule outlined in the original agreement, it is crucial that my credit report accurately reflects this information.
I kindly request that you conduct a thorough investigation into the accuracy of the reported account status, the handling of insurance proceeds and account credits, as well as the missing 1099-C form. As per the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to complete this investigation and provide a response.
|
| 10/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As of XX/XX/XXXX I had a past due balance of {$1200.00}. On XX/XX/XXXX, I contacted Hyundai Motor Finance to make a payment of {$630.00} XXXX plus processing ). While I was on the phone with Hyundai, a 3rd party provider working with the company proceeded to take possession of the vehicle. At that time I was still on the phone with Hyundai, and when I told the agent that I was no longer in possession I was told that they would no longer be able to take a payment through my past due balance and that I would have to contact their collections department. At that point I ended the call with Hyundai Motor Finance. On XX/XX/XXXX I contacted the collection department to reinstate my loan, at that time I was told that I had past due amount of {$1200.00} and that I would need to pay that amount plus repossession & processing fees before I could reinstate my loan and regain control of my vehicle. I proceed to set up two payment from two different accounts to pay the total amount due given to me of {$1200.00}. And at that point I was told that my loan was reinstated and that I would be able to pick up my vehicle from the lot. After that call I found out that the original payments of {$630.00} that I had called to schedule on XX/XX/XXXX had already been taken from my account and that as of XX/XX/XXXX my actual amount due was {$600.00} plus the cost of repossession instead of the {$1200.00} stated by the collections agent, in violation of the Fair Credit Practices Act. At that point I contacted Hyundai Motor Finance and was told that they would not be able to refund my payment as it was done with a debit card. I was then told to contact my bank to reverse the transaction with them instead. I proceeded to contact my bank who told me that they could not reverse the transaction until it had cleared with the bank, and that I should be speaking with Hyundai Motor Finance as this was an error on their part. I proceeded to call Hyundai back, and when I asked to speak with a manger to work to refund my payment I was told they were in training and could not speak with me. At that point the agent said there was not much more they could do and requested that I ended the call unless I had further questions. Due to the over payment to Hyundai Motor Finance my checking account balance as of XX/XX/XXXX was around {$19.00}. Due to this overcharge I am unable to report to work as of Thursday XXXX as I no longer have access to the funds required to cover the cost to get to work and I am forced to take a day off at a cost of {$350.00}. I will likely need to take the same on Friday with the same cost. If I am unable to have these funds refunded to me by Monday I will not have any more personal days available to be used with my employer and risk termination.
|
| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
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I bought a car on Friday XX/XX/2020 from XXXX XXXX XXXX. Saturday I found out my hours have been cut due to Covid-19. I took the car back to XXXX XXXX XXXX Sunday XX/XX/2020 as soon as they opened to inform them that I would have to bring the car back because the financing will not go through once the company calls my job to verify. So the XXXX XXXX XXXX tells me that the deal is sealed and I would have to just have to have a repossession. Now I didnt sign the documents ( contract ) until almost XXXX that Friday night, and all banks close at XXXX the latest. So he said well when the bank calls once they verify we will return you the car and I will be able to get my down payment back. I get a call today from the General Manager XXXX XXXX and he tells me that the deal is sealed. I contact the financing company Kia Motor Finance and this company tells me the dealership is supposed to verify they just manage the payments and thats it. So I call the dealership back and I let them know what the financing company has stated and to let them know that my HR has not received a call to verify my income from the dealership and or the financing company. So how could I get approved for financing without correct income. The GM XXXX XXXX tells me they dont have to verify that information on a loan! That now how its done! And the deal is seal! I informed him that I am aware that all deals that are contingent upon financing has to be verified and I havent had the car over a week. And if they would have verify my income status I wouldnt be approved for the loan! He stated again that he doesnt have to verify to get me approved for a loan through a financing company. Now Im in a situation that I technically wouldnt be in if the bank or the dealership wouldve verify with my job!! This is illegal and Ive never heard of a company loaning out lump sum of money without making sure a customer can repay them back they money. I feel like the company XXXX XXXX XXXX didnt verify my information because they knew they would have to return me my down payment and they decided to push the deal through even though they knew of the situation that just occurred and they want this deal instead of what is in the best interest of the customer. This is illegal and it need to be fixed immediately. I asked for the Owners Name and number and no one at the dealership wanted to give me his information XXXX XXXX said I would need to do research to get his information. But the business XXXX XXXX XXXX said I would have to get his number from XXXX because that information comes from him!! I am getting the run around! I hate I purchased a car from XXXX XXXX XXXX They are Frauds!! This is so horrible how dealership treat people! Especially in such a short time!! This is sad!
|
| 11/26/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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On XX/XX/XXXX I called XXXX XXXX XXXX located in XXXX NY to find out how I would handle the lease end during Covid19, my lease was expiring on XX/XX/2020.
I was advised by the Sales Manager XXXX that I could turn my lease in early with no penalties and that I could smoothly transition into a new lease without owning the last 2 months of payments. The car was delivered and we exchanged cars on XX/XX/2020.
I received numerous letters from Kia Finance ( will attach in other section ), every time i received a letter stating that i had a balance due because of early lease termination I was advised by XXXX the sales manager that I should ignore them because the dealership cut a check and the account was closed and the vehicle was being picked up by Kia XXXX. One the last letters that I received stated that I owed XXXX XXXX called kia Fianance to dispute this and he was told that this money was owed because the lease was turned in early. XXXX told them Kia Fiance offered an early termination deal with no penalties and that I idid not owe the money. I was later advised by Mr XXXX ( owner of dealership ) that Kia Finance was incorrect with their statement and this money was owed due to a mileage overage, which XXXX also told me I would not be responsible for being over the mileage because i was " family '' and a repeat customer.
XXXX said not to worry, he would straighten this out, and then i later found out he was no longer employed, the owner Mr XXXX would not help fix things, instead he gave me a credit of XXXX to purchase items from the dealership. I ended up paying the XXXX to Kia Finance in XXXX, I was told I would receive a paid in full receipt that i could submit to the credit agencies within 10 business days, originally i was told that they would email me the receipt, in calling back other times, I was told they could not honor that because of security reasons and working from home to due COVID, I was incorrectly advised and I was assured the receipt was being put in the mail, to date i still do not have it, I have called many times with no satisfaction. I was then contacted by my credit card company XXXX they were notified by XXXX XXXX and XXXX of this delinquent payment which resulted in my accounts being frozen and ruining my credit. I feel the actions of Kia Finance are fraudulent along with the 3 credit agencies I mentioned above, one of the attachments clearly shows the account being paid off and closed out, and I never made a late payment. I need to have the 2 late payments expunged from my credit reports. I will never do business with the XXXX dealership again, I got a major run around, I am in the process of trying to relocate and obtain a mortgage and I was advised that I can not until this issue is resolved.
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In the midst of the pandemic in XXXX, my husband ( who has submitted a duplicate CFPB complaint ) and I returned our KIA XXXX XXXX exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. All our monthly lease payments were completed without a missed payment. We advised KIA Finance by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from KIA Finance. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid and with no previous warning of any kind. In any case, we assumed this collection letter we received belatedly would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by KIA FINANCE in XX/XX/XXXX per attached documents.
We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked HYUNDAI KIA Motor Finance to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. In fact, all our bank and revolving credits have an exceptional standing. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
|
| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
XX/XX/XXXX a loan payoff payment was accepted and processed. Payment from XXXX XXXX In XXXX, Maryland to KIA Motor Finance ( KMF ).
XX/XX/XXXX automated payment was taken from my personal checking account.
XX/XX/XXXX I called KMF for the first time and I was told that the overpayment refund check was mailed to XXXX KIA to a po box that KMF had on file.
The same date ( exact date unknown ) I called XXXX KIA and was told by the Finance Manager that the dealership had not used that po box in several years and they likely would not receive the check. The dealership recommended that I call KMF back and ask that the check be stopped and re-issued to me. I called KMF back and explained the situation to them and requested that a stop payment be made on the check and asked that it be reissued to me as requested by the dealership. A KMF rep told me that the request would be Putin their system.
Two weeks later I called KMF to request an update and I was transferred to their escalation team where I was told that no action was taken because the dealership would have to call to make that request because the check was originally sent to the dealership. I called the dealership and asked the Finance Mgr call to make that request. The finance mgr called me back that same day to tell me the call was made and that KMF representative told them that they would submit a request for stop payment on the original check and reissue of the check in my name to my address based on the dealership request.
On three occasions after that call, I spoke with three members of the escalation team and was told that their system showed requests but no processed payments. On each occasion, the last being XX/XX/XXXX I was told the requests would be processed and a check would be mailed within 10 business days.
Finally, on XX/XX/XXXX I spoke with XXXX of the same escalation team and was told that KMF would not reissue the check in my name because it had to be reissued to the dealership and that they would require a phone call again from the dealership for information on where to send the check for the dealership. At no time in any of the prior phone calls was it mentioned to me that an additional call from the dealership would be required. I explained this to XXXX and she said that she cant control what other people told me and their processes are only incoming that they can not make phone calls to a dealership or to a person to tell them what additional actions needed to be taken to rectify the situation.
Meanwhile, I have a call into the dealership, finance manager, and I am waiting for them to call me back so I can explain that they have to go through this process to receive the check and then they can issue the check to me separately.
|
| 08/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, SC in XX/XX/XXXX. It was a brand new vehicle. To make a very long story short, I had to get my engine replaced in late XXXX due to the engine malfunctioning and it throwing a rod. It took 3 months to repair because the dealership was behind due to other people having engine malfunctions. It took weeks to get a rental which was hectic because me and my husband both worked and commuted with a XXXXyear old. After my husband drove my car off the lot, my car was sounding a little funny, almost like a sucking nose that we ended up having to take back to the dealership to have them tell me that I needed to pay a diagnostic charge even though my car was well under warranty limit. I ended up speaking with the manager and he had the technician look at it to only be told it was nothing engine related even though my engine light was on! A few months after that, my car started losing power and was inoperable. I had it towed to the same dealership only to be told that I needed another engine replacement due to low pressure in one cylinder! The dealership told me that I would be responsible to pay and the warranty would not cover repairs since they already took care of it the first time. The cost to repair would have been over what the value of my car is. Me and my husband had to leave my car at the dealership since it was not drive-able. I received a letter in XX/XX/XXXX stating that they plan on selling the vehicle and they ended up selling the vehicle at auction for {$1700.00} in XX/XX/XXXX. I recently just found out that my car is under recall for the same reasons it was in the shop the first 3 times since XX/XX/XXXX. Hyundai concludes that the XXXX XXXX were having engine and mechanical issues. I have a recall number and have spoke to 3 different departments to see what I can do to resolve the balance I have left to pay on the car of {$8700.00}. I knew there must have been an issue since the last few times Ive went to the dealership there were a lot of vehicles needing engine replacements. I have documentation that states the dealership used faulty parts in the first engine repair And I believe it wasnt fixed correctly the first time. If it had been recognized sooner, I could still be driving my vehicle and have the issues fixed but because Hyundai waited to long to investigate the issues I have to suffer. Ive sent 2 letters to the CEO to have my case reviewed because it is not fair to me. This has been frustrating to deal with the past few years and its affecting me and my husbands credit and I need it resolved especially since this was not our faults and we were denied the use of the warranty we were paying for. These vehicles are not safe.
|
| 01/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TN XXXX and applied for a XXXX XXXX XXXX XXXX XXXX pricing at {$8600.00}. I originally spoke with XXXX ( a car salesman ) who was able to get to financing and get me approved for the loan I was requesting. When he brought over the offer document it had an additional fee as he stated was for XXXX that was not in the original amount nor in the specified fees online. He then told me that XXXX is in the fine print. I then asked him to show me where it was in the fine print he was not able to pull it up so he asked his manager XXXX to look it over and they proceeded to print off a new offer showing a RECONDITIONING fee. I asked to speak with the manager XXXX to come over. I explained to the manager that fee is not stated on the website either. And that I am aware the only fees that should be charged are taxes, tags, title, and sometimes doc fees. XXXX proceeded to say that he would contact his general manager to try to get the fee removed. He went to a back room and came back XXXX minutes later stating he could not remove the fee and would need a {$3000.00} down payment. This company broke the law! Per 15 USC 1662b & the Truth in Lending Act it is against the law to state that a specified downpayment is required in connection with any extension of consumer credit. And per 15 USC 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
I have attached photos from the dealers website to support my complaint.
|
| 07/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I leased a Hyundai XXXX from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo. term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted Hyundai to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per Hyundai Motor Finance 's ( HMF ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX was shipped from XXXX XXXX to the GM at XXXX XXXX XXXX. The GM at XXXX XXXX made the shipping arrangements.
I never had any contact with HMF after I returned the car and XXXX XXXX paid off the remainder of the lease.
On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted HMF to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by HMF. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. HMF kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of HMF and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that HMF did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that HMF spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to HMF since XX/XX/XXXX.
It is apparent to me that a Hyundai employee must have taken the XXXX after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. HMF either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the GM at XXXX XXXX, who I leased the XXXX from and who I shipped the XXXX back to in XX/XX/XXXX had been fired and is no longer working for Hyundai. Hyundai refuses to provide me any information proving who returned and made payments on the XXXX. I believe Hyundai is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.
|
| 11/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
On XXXX/XXXX/XXXX, my husband and I went to XXXX Hyundai located at XXXX XXXX XXXX XXXX in XXXX Florida for a service appointment for my husband 's XXXX XXXX. The appointment was at XXXX XXXX and as soon we arrived we were approach by the Financial Manager, XXXX XXXX. He told my husband that he can get a XXXX XXXX XXXX and that he will deal with the upside down. I told XXXX XXXX and my husband that the XXXX had only XXXX miles and that we should keep it. However, XXXX XXXX continue with his effort to make a sale. He asked me to cosign for my husband to upgrade his car and I replied that I was in the process of buying a home and I can not be a cosigner. By XXXX I told them that I had to leave and that I would like to get the XXXX back because I needed to go to work. I spoke with the General Manager, XXXX XXXX, about the car that we took for services and he directed me to the Service Manager. I was informed that they did not touch the car. I strongly feel the Financial Manager manipulated the entire situation and advised the service department not to touch our car as he was pushing for us to purchase a new vehicle instead. At this point my husband agreed to purchase the XXXX XXXX XXXX, but this would require me to cosign for him. I asked several times why my husband could n't be the sole purchaser for the XXXX XXXX when he was able to purchase the XXXX only in his name and was not given a clear explanation. They said it was required but would n't interfere with my home purchase plans as I would only be a cosigner and my husband 's name would be listed as the primary buyer. Under those terms, I finally agreed. Upon meeting with my mortgage broker the following week, I was informed that the loan showed up as my responsibility on my credit, greatly increasing my debt to income ratio and no longer qualifying me to purchase the home. I was in complete shock after hearing this news, I am listed as the primary buyer and not as a cosigner, contrary to what I agreed to at the dealership. I have discussed this situation with Hyundai Financing, with the Dealer directly, with the General Manager and I have intended to discuss the issues with XXXX at the Corporative office. No one has offered me a solution. I have been told that in the state of Florida the wife and husband are considered the same in a financial matter, but I find the dealings of this dealership to be extremely unfair, unethical, and irresponsible. I do n't believe we were treated fairly and strongly believe we were misled for their own benefit. I am asking that Hyundai Financing comply with the contract that I signed and list me strictly as a consigner releasing this debt from my credit or remove my name from the purchase entirely.
|
| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I set up my car payment with Hyundai Motor Finance to be automatically deducted from my checking account each month on the payment due date ( XXXX of the month ). The monthly payment is {$430.00} and I authorized fixed payments of {$500.00} expecting the additional {$63.00} to be applied to principle. No where on the setup screen can I indicate additional principal and no where on the setup screens does Hyundai say how their system handles the additional funds. Nor is the payment waterfall disclosed on the monthly statement However, in the FAQ section on the mobile app. in the principal payment section, it states that payments under {$2500.00} would first be applied to past due fees and payments, then the current payment and excess will be applied to principal. On XX/XX/XXXX I realized that Hyundai did not deduct my monthly {$500.00} payment from my bank account so I logged to check the status only to find out that I have 0 payments due. I called Hyundai and was told that funds received above a payment but less than {$2500.00} would always be applied to future payments. When I stated that the website and mobile app are not clear and Hyundai should allow borrowers to specify excess to principle I was told Hyundai used to allow this but received a lot of complaints because old people didnt understand. Strike 1 - age discrimination. The agent said he could fix the first 7 payments that I made and would credit the additional funds to principle. I wanted written confirmation of the corrections and asked for a free and backdated phone payment to the due date because clearly this was a Hyundai error. The agent couldnt accommodate so I asked to speak to someone in the XXXX. When I told the new agent what occurred and the age related comment I was told the mobile app never allowed the customer to specify additional principle. I was also told that I wasnt entitled to a free or backdated phone payment and that it could take up to 2 weeks to correct my account. I was also told that I would have to call after each time I make a payment to ask that the additional funds paid be moved from future payments to principle.
To date, 15 days after calling, I do not know if my account was ever corrected. I logged on to the website and the latest statement available was generated XXXX. There are no corrections on the XXXX statement and nothing dated after XXXX showing the corrections were made.
Always crediting funds remitted above and beyond the monthly payment amount to future payments and not to principle ensures Hyundai will collect all of the interest over the life of the loan and doesnt allow the borrower to prepay without being penalized. And not disclosing the payment waterfall is shady.
|
| 07/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I HAVE A XXXX XXXX XXXX THRU KIA FINANCE AND I WANT TO KEEP IT. I CALLED AND TOLD THEM I WANTED TO PURCHASE THE CAR, THEY TOLD ME TO FILL OUT THE ODOMETER READING FORM, WHICH I DID. THEN ON XX/XX/XXXX I CALLED FOR THE PAY OFF AMOUNT AND THE GENTLEMEN TOLD ME WHAT IT WAS AND CHECKED TO SEE IF THE ODOMETER READING FORM WAS SUBMITTED. MY PAYMENTS WERE DUE ON THE XXXX AND THE MORNING OF THE XXXX I PAID OVER XXXX TO SETTLE THE LEASE PER THE PAY OFF QUOTE THE EVENING BEFORE. AFTER SEVERAL WEEKS I CALLED TO ASK ABOUT MY TITLE IF IT WAS MAILED OR GOING TO BE MAILED. I WAS TOLD MY PAYMENT WAS IN " SUSPENSION '' AND I NOTICED THAT ALTHOUGH I GOT AN EMAIL STATING THEY GOT THE XXXX, IT WAS NOT POSTED TO MY ACCOUNT TO CLOSE THE ACCOUNT. THEY HAD TO PUT A WORK ORDER IN TO ESCALATE IT TO THE DEPARTMENT TO CLOSE MY ACCOUNT AND TOLD ME ONCE THEY CREDITED MY ACCOUNT THAT THE TITLE WOULD GO OUT IN 7-10 DAYS. THAT WAS XXXX WEEKS AGO. I TALKED TO A MANAGER SHE LOOKED AT MY ACCOUNT AND SAID IT SHOULD ONLY BE 2-3 DAYS AND I COULD EXPEDITE IT IF I WANTED TO FEDEX IT. WHY SHOULD I PAY FOR YOUR ERROR JUST GET IT DONE PLEASE. SO A WEEK WENT WHEN BY I CALLED AGAIN ONLY TO BE TOLD HE DID NOT SEE A WORK ORDER ESCALATED AND HE WOULD HAVE TO DO ONE. HE APOLOGIZED AND I AM LIVID. I GAVE THEM XXXX AND I HAVE NO TITLE. I ASKED TO SPEAK TO A MANAGER AND SHE SAID " THE ONLY '' THING SHE COULD DO WAS SEND AN EMAIL TO THE DEPARTMENT TO CREDIT MY ACCOUNT. AGAIN NOTHING!! I CALLED MONDAY, XX/XX/XXXX TO BE TOLD THE REASON I DON'T HAVE MY TITLE IS BECAUSE MY ACCOUNT IS STILL OPENED BECAUSE I OWE PRINCIPLE OF {$130.00} ..WHATTT!!!! BECAUSE YOU PUT MY MONEY IN A SUSPENSION FILE AND IT SAT THERE MY ACCOUNT WAS PASSED DUE, PER THE ONLINE PAYMENT HISTORY AND I MAY NEED TO PAY THE PRINCIPLE IN ORDER TO CLOSE OUT THE ACCOUNT, IT IS XXXX 'S ERROR NOT MINE. JUST RECENTLY I SEE MY XXXX POSTED ON LINE AS OF XX/XX/XXXX, JUST LIKE I SAID I PAID IT. ONCE AGAIN, I WAS TOLD THEY WOULD NOTE ALL OF THIS AND SEND IT TO THE DEPARTMENT THAT CLOSES THE ACCOUNT I TOLD HIM TO ADD TO IT THAT I GOT AN EMAIL STATING THEY GOT MY MONEY XX/XX/XXXX AND MY PAYMENT HISTORY SHOWS THE MONEY WAS POSTED ON XX/XX/XXXX AND MY AMOUNT DUE IS XXXX ( XXXX ) AND NOT {$130.00}. HE TOLD ME TO CHECK BACK IN XXXX HOURS AND EITHER THEY WILL CLOSE MY ACCOUNT AND SEND OUT MY TITLE OR THE WORST SCENARIO I WILL NEED TO PAY THE PRINCIPLE DOLLARS FOR THE ACCOUNT TO CLOSE.
I DID WAS I WAS SUPPOSE TO, WHEN I WAS SUPPOSED TO AND KIA FINANCE OF AMERICA IS HOLDING MY TITLE XXXX.
PLEASE HELP A CONSUMER WHO PAID HER LEASE EVERY MONTH ON TIME AND JUST ASKING WHAT IT LEGALLY AND RIGHTFULLY MINE, MY TITLE, SO I CAN SHOW OWNERSHIP OF MY CAR, ONCE AND FOR ALL!!!
XXXX XXXX
|
| 08/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
Kia Motors Finance XXXX XXXX Tx Paid loan off 10 months early, on XXXX/XXXX/XXXX Title is recorded with State of Georgia, e-title.
TITLE STATUS IS UNDER LIEN XXXX spoke to Kia Finance representative. they confirmed account paid in full and closed. title department will release lien on E-title, send me notarized confirmation the title has been released. Title department only works Tuesdays and Thursdays.
XX/XX/XXXX Kia representative stated an email will be sent to title department to investigate and resolve issue. allow 24-72 hours to research and resolution They only work Tuesdays and Thursdays. Representative will request they send Lien release letter. Timeframe estimate unknown.
XX/XX/XXXX or about, Two Copies of a letter from Kia stating the final payment had been received and the account status is paid in full and closed. The letters are obviously photocopies.
XXXX XXXX XXXX took Final Payment letter to Ga Department of Driver Services. XXXX informed the letter was insufficient to have the lien released. It must be original copy on corporate letterhead and signed to be considered for releasing lien. I brought that requirement up with Kia Special Agents when discussing release letters from that point forward.
XX/XX/XXXX representative is transferring call to Special Agent Escalation Team based on our multiple calls on the same issue. Title Department experienced non-specific errors in clearing the lien. GA DMV would need to be contacted. Kia 's last recorded entry on the claim file was XX/XX/XXXX.
XX/XX/XXXX Transferred to Special Agent. She stated Title Department has not responded to previous [ internal ] email, then transferred to supervisor. She will try to have a Lien Release Letter sent to address of record. She will ask title department to follow up with Georgia XXXX XX/XX/XXXX Special Agent stated the release request was rejected. Agent would send an email to Title Department to release title electronically then have release documents sent to home address. Indicating this has not worked in the past, the call was transferred to a supervisor. Supervisor explained no one in the Special Escalation Team has authority to directly contact the Title Department.
XX/XX/XXXX They had not yet heard back from Title Department from last week 's request. I asked if there was a corporate complaint contact. and was provided a mailing address in XXXX XXXX CA.
XX/XX/XXXX Representative stated the request from the Special Agent Escalation Team was closed on XX/XX/XXXX. Special Agent Escalation Team expressed my claim has been escalated to the Care Department. I will be contacted within two business days.
XX/XX/XXXX There has been no contact from the Care Department.
|
| 10/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am requesting to file a complaint against Kia Motors Finance for incorrectly reporting my account as a charge off. I was involved in a car accident in XX/XX/2019, ( which I may include my air bags did not go off ). Following the accident, I received a balance of {$1500.00} in XX/XX/2019, that was still owed for my deductible and miscellaneous issues ( low tire tread, etc ), even though my car was considered a total loss. I did not have {$1500.00} to pay Kia up front, so I contacted them and was told by a representative of Kia, that I would need to pay {$250.00} a month until it was paid off. ( All calls are recorded, which I also requested to pull and listen to ). I had zero issue with that and I agreed to this {$250.00} per month payment and made payments monthly until I paid it completely off on XX/XX/2019.
XX/XX/2019, I received an alert from the Credit Bureau that I had a negative remark on my account. After reviewing the remark and my severally dropped credit score, I noticed Kia had reported my account paid charge off. I was completely shocked considering I made the payments requested every single month. I contacted the Credit Bureau immediately, XXXX, to dispute this remark. I also took time out to write Kia my own dispute via mail on XX/XX/2019, stating that I never have been late on any payment with them, or ANY payments in almost 6 years of credit history. I attached all of the information located on my credit report for XXXX, XXXX, XXXX and XXXX as reported ON TIME. They did not report any months as late. Also, the summary of my Kia account stated zero late payments. I requested that Kia report my account as paid off, closed. On XX/XX/2019, I contacted XXXX to get the results of my dispute and was told that Kia stated my account was reported correctly as charge off. On XX/XX/2019, I was alerted of yet another remark of a late payment on my credit report for XX/XX/2019. Kia went back on my credit report and change my ON TIME payment to LATE! I can not believe they changed it, to cover themselves.
Charge offs typically dont happen unless payments are severely late. When you start missing payments, creditors first send letters reminding you of your past-due bill. I never received a past due bill and my account was never sent to collections.
This charge off remark dropped my credit score from a 750+ to XXXX. I have never had derogatory remark on my credit score and always have made my payments on time. Kia is dramatically hurting my credit now and my future. Especially of being a home buyer by inaccurately reporting information incorrectly. If this does not get removed from my credit report, I will be contacting an attorney for future investigation.
|
| 04/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I leased a XXXX XXXX XXXX. This is our XXXX XXXX in the last 9 years. For the first time I was getting close to the miles. Visited XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX trying to get a solution becuase didnt want to go over the miles. None of them advicsd me that it would be better to pay the extra miles than getting a new car at the moment. None of them were able to work deal that made financial sense to me. At the end I decided to return the car and pay the XXXX remaining of the lease. At the time I received the first bill XX/XX/XXXX I contacted Hyundai Motor Financial and told asked them to wave the XXXX early termination fee so I can pay the difference Since a new need for a Hybrid came up I wanted to stay with the branch and with the Ioniq I can get a tax credit. At that time the ioniq wasnt available, I made an initial payment of XXXX to my account. The representative told me he will extend the due date until XX/XX/XXXX until the car became available. XX/XX/XXXX was here and the car I wanted wasnt available, At the moment paid another XXXX requested the fee to be refunded and was declined again. Asked the representative if paying after XX/XX/XXXX will affect my credit her asnwer was that everything stay in house and an internal recovery department will contact me.
In XX/XX/XXXX I received a call from XXXX a collection agency asking me all my information. I wasn't comfortable answering and the agent told me they will send a letter. That letter came in a week letter and than in XX/XX/XXXX the agent call me again. When he was asking my verification questions he told me he cant talk to me because my date of birth didn't match his records he had XX/XX/XXXX and my DOB is XX/XX/XXXX he promise a call when fixed. On XX/XX/XXXX he calls me back telling me they corrected the information and we can now talk. I told him that I will pay the invoice completely because I didn't want to affect my perfect payment history I have built for the last 12 years. He told me is to late because in XX/XX/XXXX I was reported to the credit bureaus with a delinquent account. I wasn't happy XX/XX/XXXX was the day he couldn't verify me over the phone because of their mistake. I told him I will pay when they remove that negative mark from my credit. He talked to his supervisor and told me they will do and exception and email Hyundai to get that off my credit in exchange I have to pay in full.
It is now XX/XX/XXXX and I haven't receive a call back, the mark still in my records, I called then 3 times and are always with a high call volume. I emailed Hyundai Motor Finance and they directed me to recovery who directed me to that XXXX number.
This is not the first time HMF damaged us.
|
| 02/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I bought my XXXX XXXXXXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/XXXX. The car was sold for {$43.00} XXXX. But when you add the finance charges, the Total sale Price is {$58000.00}. Thus the difference between the actual cost of car and the Total Amount that I am paying is a whooping sum of {$15000.00}. The financier is Hyundai Finance. It is believed that having made a profit of {$15000.00} from a client for whom you had sold a used XXXX XXXX at an exorbitant Amount of {$43000.00}, would make this XXXX merchants sheath their knives. But it didn't, rather they continued their extortion scheme by introducing accessing fees each time I make a payment. The monthly payment is {$790.00}. Each time I make this payment I am forced to make an accessing fee of {$3.00} if I use the automated phone line or more if a caller from their call center collects the money over the phone. Last month, I could not make a one time payment due to inflation and bad economics in the state of the nation ; so I called Hyundai Finance and informed them that I would split my payments in two installments. First {$400.00} made before XXXX timeline and the balance made shortly after. The automated system collected the accessing fees of {$3.00} the first half payment of {$400.00} and equally collected another {$3.00} for the balance of {$390.00} paid on another date. I called Hyundai Finance to complain that this a rip off and is tantamount to stealing and a ploy to keep me indebted to them forever. I informed them that I had bought a car already before I stumbled into them. The car was a XXXX XXXX. And on quote " I AM not being charged any accessing or additional fees to make my monthly payments till date through the multiple avenues they provided for payment " And also the Finance charges from the Financier of the XXXXXXXX XXXX were far much less. I demanded for full refund of all the accessing fees I have paid till date, on the XXXX XXXX XXXX model and total withdrawal of the accessing fees. They declined. They are also asking for late fees notwithstanding that I .made a committal fee of {$400.00} within the required period and informed them of the date for the next payment. Recently they said they have opened a website for the option to pay without fees. I am not able to use the website option moreover internet access is required to use it. Also the car Amount of {$43000.00} was hiked to {$43000.00} on their paper correspondence with no Justification or explanation whatsoever. Their interest is not debt recovery. It's all about keeping me indebted forever. This XXXX merchants should be stopped Forthwith from doing business in the United States of America
|
| 08/02/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have leased an XXXX from a MA based dealership in XX/XX/XXXX and ended on time and paid in full my 3-yr lease in XX/XX/XXXX. I have not heard once, by phone or mail and nothing was ever reflected on my credit report about any payment demand. Only after I disputed, in XX/XX/XXXX, via XXXX that the account was still open, I received a charge-off of $ XXXX.I disputed it via credit bureau and no resolution, with still impact on my credit score.. Still no phone call or mail. After a second dispute, the answer came back negative and now I have a XXXX charge off. I called Hyundai ( XXXX ) and I was told three different things by three different people. The first told me my car was stolen and was charged residual value, then I called back and was told that I had not paid the last 5 months of lease ( which I have bank proof I did ), then I called again and was told that my insurance did not cover some charges to fix the car. I feel the company has no idea what's going on and certainly has not notified me of anything and now I have 70 pts dropped in my report which affect my finances. I filed complaint with the XXXX and XXXX came back with the same statement, but no document or proof about the charge off.
XXXX response is totally out of place and inaccurate and lacks of evidence. There is no one piece of document I have received. My car had minor scratches and my insurance covered those charges, I brought the check to Hyundai dealership and never heard from dealership or XXXX again for almost two years, until recently and only because I initiated a dispute on the account status. Now XXXX claimed not only that they invoiced me, but also that the car was badly and heavily damaged and completely totaled. Assuming for a minute this is the case, a much more detailed and timely investigation should have taken place. Anyone, including a business, should have a complaint about a product, a return or anything else, should timely notify the consumer. How do I know that what XXXX is true and even if it was, that the car was damaged further, after my release? It is too convenient and totally unfair to let things go and after a long period of time assuming certain facts and charging someone largely differently than the original status ( when i turned in my keys ). XXXX should prove that detailed reports have been sent, should also speak with the dealerhip that took in my car and remove the credit charge from my report, at least until this situation is resolved or attemped to be resolved. I am willing to do anything I can on my part, but with no documentation in my possession, not with a mere statement over the phone and without evidence it is an impossible task!
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| 01/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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Due to covid, my business and income suffered. I contacted Kia finance and requested help and asked if there were any covid options to help. I was told no. After falling behind on the vehicle by 30 days an account manager called my phone and advised that if I were able to make the payment I would then be eligible for a two month deferment. I advised that I would be able to make the payment in a few days when a client was able to make payment to me. He stated that would be fine and to call back on Monday. He advised all my calls were routed to him. However, after making the two payments ( both vehicles ) and calling on Monday, I spoke to a customer service rep who did not know who the account manager was. She did not route me to him. I passed along the information he provided and she advised I could move forward with the deferment. She was incredibly rude and asked a lot of personal and deeming questions. When she was complete and received the information she asked for the call ended. Less than 45 days later my car was repossessed. I had just been paid the evening prior and was bringing all my accounts current. My XXXX XXXX was over. When I headed to the driveway at XXXX to take my babies to daycare, my car was gone. I NEVER even received a phone call. I was under the belief my cars were in deferment. I called Kia and was advised I was almost 60 days behind and my account was not in deferment. They stated they had no knowledge of a deferment and no recording of that call or any other call from my number. Furthermore, they stated my phone number wasn't even listed on the call list. We have owned the cars for two years. I purchased them and I earn the income in our home. I have always been listed but prior to repossessing our cars they switched all contact details to exclude my line- which was listed for XXXX XXXX to my husband 's employer line and cell phone. They never once left a message- on account there is no voicemail set up!!! I paid close to {$3000.00} to have my car returned that I was told would be in deferment for two months. And even now that my account is current, the online system still shows past due balances though I pay it in full and more each month. They refuse to remove the two late payments ( 60 day lates ) from my credit and refuse to acknowledge this failure to defer the account. Kia 's sales team, financing, customer service department, all of it has been so dissapointing and unsatisfactory from the start of this purchase. We have not had a late car payment in six years! I asked for help and they denied it.. and when it was finally offered in the form of a deferrment- they repo 'd my car and marked me 60 days late.
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| 01/30/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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I am writing to file a formal complaint against KIA Finance for their gross negligence and repeated failures in handling my vehicle registration transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since XX/XX/2023, I have faced numerous roadblocks due to their incompetence, jeopardizing my compliance with legal requirements and causing significant financial hardship.
The Issues : Incorrect Titling Address : Despite repeatedly clarifying that the title 's garaging address XXXX XXXX XXXX differs from the mailing address XXXX XXXX XXXX KIA Finance continues to send the title with the incorrect address. This critical error prevents me from registering my vehicle in XXXX, where I have resided for nearly XXXX months.
State Requirement Violation : New York law mandates vehicle registration within 30 days of establishing residency. Due to KIA Finance 's persistent errors, I risk exceeding this legal timeframe and incurring potential penalties.
Inadequate Customer Support : Despite assigning an Executive Customer Support representative in XX/XX/2023, communication remains abysmal. My attempts are met with lengthy response delays, conflicting information from lower-level support, and a complete lack of proactive updates on the title 's status. The last contact, in XX/XX/2023, was only achieved after directly involving the representative in a call with the MA RMV to expose their consistent form submission errors. Since then, I have received no further communication despite repeated attempts.
Financial Burden : KIA initially acknowledged their responsibility by covering the cost of re-registering the car in MA in XX/XX/2023. However, after this call with the MA RMV confirming their incorrect form submissions, they inexplicably retracted their admission of fault and refused to reimburse the resulting insurance overages I incurred.
My Request : I urge your immediate intervention to resolve this frustrating and costly situation. I request the following : Expedited Address Correction : KIA Finance must submit a corrected form to the MA RMV reflecting the accurate garaging address ( MA ) and mailing address ( NY ).
Investigation and Corrective Action : Conduct a thorough investigation into the repeated titling address errors and implement robust measures to prevent future occurrences.
Improved Communication : Facilitate effective communication with KIA Finance, mandating regular updates on the title 's progress and establishing a definitive timeline for its arrival.
Reimbursement : KIA Finance must honor their initial acknowledgment of culpability and reimburse me for the insurance overages they caused due to their negligence.
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| 09/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I currently and since XX/XX/XXXX, have a car loan through Kia motor finance. I have made payments late but NEVER over 30 days. In the past I was 15 days late on payment and Kia contacted me but, when the did they introduced themselves as a different company, I believe it was Hyundai motor finance?? they called me and asked me for my personal information before they would speak to me and since I did not have a loan with Hyundai ( and anyone could call and ask for my information!! ) I became suspicious and would not speak with them. They were extremely rude. After I got off phone I called Kia back within in 24 hours and explained what happen. I they realized, at least I think, that the same company must collect for both kia and Hyundai. This happened to me 3 or 4 times when I had been 15 days late. Each time I complained and requested no one would contact me by phone again but rather by mail, I even on one occasion sent a letter with my request not to be contacted by phone. My request was never honored. I still received threatening phone calls. I always made the payment by the 28 or 29 day, if not sooner, directly to Kia and I always contacted them to let them know when I would make the payment and why I was late. Again this did happen several times through out the loan. In what I believe was XX/XX/XXXX, I spoke to someone at kia, again complaining because someone had called and was rude to me on the phone. This person was very nice and offered to extend my loan 1 month which would help me get caught up and I would not be late each month. She seem surprised that no one had offered to do this for me in the past. She actually extended my loan two months ahead I believe. I told her about the rude customer service I had received and she apologized and ASSURED me that I had never been turned in to the credit bureau. Earlier this year I received a copy of my credit report which showed that prior to talking with her Kia reported me to the credit bureau 4 times!!! None of which I was 30 days late, but they said I was!! I disputed this through the credit agency but still would not remove from my credit report. I contacted Kia and tried to get information about who I spoke to XX/XX/XXXX. They refused to put me to the correct department stating they would not take my call then they refused to tell me who I spoke to XX/XX/XXXX who extended my loan and told me that I had not been reported. After arguing they did give me an ID of XXXX?? I am not sure how this will help me since I can not be put in touch with this employee. I do not know how to have these false reports removed and why would someone at Kia lie about reporting me in the first place?
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| 04/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I purchased a brand new XX/XX/XXXXXXXX XXXX in XX/XX/XXXX. I never had any issues with the vehicle until XX/XX/XXXX of XX/XX/XXXX. While driving to the store my check engine light came on and my engine seized. I brought my car to XXXX XXXX XXXX XXXX to attempt to have the engine covered under my warranty. The service department notified me that it would be covered and my engine would be replaced. At that time I was delighted and glad to have a XXXX product. As the weeks went on, it came to my knowledge that XXXX engines were currently being recalled worldwide for metal in the engine. This sparked millions of people to be bringing their cars in for repair. The engines were coming from XXXX XXXX and due to be shipped. Each week I would call and check on my engine status. Each week I was told a later date until I discovered that the workers in XXXX XXXX were currently on-strike with no return to work date. Any engines would be on backorder until further notice. I was instructed by XXXX that I could rent a car and be reimbursed for the rental fees 90 days after I received my car back which still had no set date. There was no loaner car or way for XXXX to rent me a car in the meantime. I pay a high car payment and can not afford to pay weekly for an undetermined amount of time for a rental car. I also attempted to have my payments lowered or deferred while I was waiting for my engine. Neither of these were options according to XXXX XXXX XXXX. I was offered a two month payment defferment but those payments would be added to the end of my loan term.
Today, four months without a car and still no eta for the engine, I attempted to trade my car into XXXX and buy another XXXX. This was my absolute last resort as I have no vehicle and am close to losing my job. I was told there was no way they could finance a new car to me due to my credit rating. I was also told once again to get a credit card and charge my rental fees to it. This is not a realistic option. My hands are completely tied with XXXX and they are leaving me no choice but to default on my loan due to not having a vehicle. My car will have to be repossessed and I will not only live with that on my credit report but will still have to pay for the vehicle. I also now need to find a way to purchase another vehicle.
I have spoke to XXXX XXXX XXXX, XXXX Consumer Affairs, XXXX XXXX XXXX XXXX Sales and XXXX XXXX XXXX XXXX XXXX. I call almost daily and am constantly told there is nothing they can do to assist me in anyway. They have left me without a vehicle and an impending repossession due to no fault of my own. I wish I could continue making my payments but it will not be possible.
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| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My son was involved in a motor vehicle accident involving a XXXX XXXX which I co-own. My son was taken to the hospital and the vehicle taken to a tow yard. Shortly after, during XXXX period my XXXX and XXXX got XXXX. In the meantime, XXXX got XXXX and shortly after my XXXX was XXXX and out of work. This was also causing delays in us being able to handle any business. I was out of work for two months, my son was out of work for five months. I requested a deferment on the payment after making the XXXX payment, this was approved by Hyundai up to XXXX. In the meantime, the vehicle sat in the tow yard waiting to be resolved by insurance. I was notified by the tow yard that Hyundai 's appraiser stopped by to look at the vehicle, and they advised them they were abandoning the vehicle and had no interest in removing the vehicle but Hyundai never advised us of this. Hyundai never notified me of such action or their intent. As the days accrued at the tow yard, my drivers license was being jeopardized by the tow company which placed a lean on my license. At that moment I removed the vehicle from the tow yard. Hyundai never notified us of their intentions prior to the CHARGE OFF. I came to find this out through an alert in the credit reporting where it stated that the account was in charge off due to natural disaster and also stated that we were late on our payments. I immediately contacted Hyundai for clarification. At which point they notified me that they no longer had interest in the vehicle and that the vehicle was placed in charge off due to lack of payment. I tried to explain to them that the last payment was XX/XX/XXXX and they charged the vehicle off 10 days later. How could this information be correct? They never offered me true clarification to this matter. When we attempted to call Hyundai they initially advised my son that they would settle the debt for {$6400.00}. They later advised him that they would settle but never give us the title. We were continuously calling Hyundai, they were refusing to give us a payoff in writing and were verbally giving us different amounts from $ XXXX {$11000.00} every time we would call. They charged off the vehicle onXX/XX/XXXX, 10 days after a payment was made. My son and I asked many times to receive a phone call from supervisors and no one ever returned the call.
I am requesting that HYUNDAI retract the delinquent reporting and the charge-off status from XX/XX/XXXX thru now in all three credit bureaus. Hyundai violated the FCRA by not giving me an opportunity to satisfy the debt prior to the reporting and no notices were sent until I saw the miss reporting information on my credit.
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| 01/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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Hi Team, Thank you for your time.
A gentleman used his credit twice to lease XXXX and XXXX Hyundai. I made the payments. XX/XX/XXXX loan papers completed to buy out lease of the XXXX. I am listed as the buyer and the gentleman as the co-buyer.
{$36000.00} financed, {$780.00} per month covered by me for XXXX months. With no communication or request, the gentleman paid the next XXXX payments. I paid XXXX. On 29 days past due, the gentleman hadnt surprised me with the mystery gifting. Hyundais website would not allow me to make payment as it had the XXXX previous times. Photographed and later sent to Hyundai dispute department, the screen notice reads : Your account is not eligible to make a one time payment at this time because your account is inactive or you have no more payments remaining .... Customer Service : XXXX XXXX XXXX XXXX.
XXXX XXXX, financial services rep available. I made the payment. The rep said to me, good thing you paid, you can be towed on the 31st late day when there is a LEGAL HOLD on your car. What is that? ... .. she talked to management and then relayed to me that she could only talk to the buyer or his ATTORNEY. What attorney?
My XXXX club could not tell me what a Legal Hold was, in this scenario. DMV could only tell me that the record looked good from their end. Hyundai dealership that sold me the car could only instruct me to try corporate again. I did, and same as before, they would not tell me what was going on. I was told it was being escalated to the RECOVERY DEPARTMENT.
I use my name and social for all login and verbal communication with finance. The finance website labels the account with gentlemans name. A payment history I recently requested came to my temporary mailing address in the gentlemans name. Hyundai Assurance Car Care mailings are addressed to me. The California DMV registration reads : Me or the Gentleman.
Why did the dealership have the XXXX year old gentleman sign as co-buyer if it was only his credit that makes the sale possible? Why did Corporate then reverse those positions? Is this just a Legal way to make the sale and get the numbers to crunch? Why does the attorneys presence get the company to stop treating me as a loyal customer?
A Promise to Us written in the sales contract I signed reads : You ( I ) agree not to expose the vehicle to misuse, seizure, confiscation, or INVOLUNTARY TRANSFER. I will keep this aspect of the contractual promise just as I have kept my payment promise. What possibly could I have done improperly to deserve being kept in the dark about why the car I am faithfully making the payments on is being referred to the Recovery Department?
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| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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NOTICE TO AGENT TIS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.
I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 10/24/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX I paid my annual excise tax to the town of XXXX via Kia Motor Finance Co for my leased XXXX Kia XXXX in the amount of {$180.00} for XXXX.
XX/XX/XXXX I leased a new XXXX Kia XXXX. I traded in my XXXX Kia and transferred my plates to the new car.
XX/XX/XXXX I contacted Kia to request a refund of the tax paid, as I paid the tax for the year on a car that I held onto for 11 days. Kia agreed an abatement was due and they, as title holder, would contact the town of XXXX XXXX XXXX XXXX XXXX to filed for an abatement.
XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX to check if Kia had filed for an abatement. They confirmed that Kia had not done so.
XX/XX/XXXX I contacted Kia again, not having received my refund, nor an update on the status of this refund. I was told by Kia customer service that I would need to mail a copy of my current MA registration for the XXXX Kia.
XX/XX/XXXX I sent to Kia 's property tax department, via certified USPS mail a copy of my registration as well as a letter which included my account number, vin, etc.
XX/XX/XXXX I contacted Kia for a status update on the abatement. They were unable to provide me an update but stated that they would have a representative reach out to me within a couple days.
XX/XX/XXXX I received a call from XXXX XXXX in the escalations department. She stated that Kia did not receive my registration ( which again was sent certified mail ). XXXX XXXX agreed to email me after our call and that I could rely to her email and attach a copy of my registration and I did so. I can provide a copy of this correspondence if needed.
XX/XX/XXXX I contacted Kia to request a timeline for when I might receive the abatement. I spoke with XXXX in escalations and was told that they had no copy of my registration received ( by either USPS or email ) and that only a fax of my registration would be accepted.
XX/XX/XXXX I filed a complaint with the Massachusetts AG office ( I have not heard back as of XX/XX/XXXX ).
XX/XX/XXXX I filed a complaint with the consumer financial protection bureau ( CFPB ). Kia responded to the complaint stating that they filed a request with the XXXX XXXX XXXX XXXX XXXX The CFPB then considered the complaint closed. This is untrue. XXXX tax office has NO record of any filing by Kia.
XX/XX/XXXX I contacted Kia for a status update. I spoke with XXXX from customer service who was unable to provide an update. I requested a call back from someone who could provide an update.
XX/XX/XXXX I contacted the XXXX tax collector 's office and spoke with XXXX. She confirmed, with certainty, that no request for an abatement had been filed from Kia.
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| 07/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have email over 50 times every time about a new issue, fist it was the car almost XXXX me on a 25 mile drive from a defective XXXX XXXX computer issue, then it was the wheel and tire insurance cancellation that never got applied to my account, then it was hacking my phone ( or more like anything and every device I own connected to the internet ) which they are currently still doing, and now it is billing issues my account is almost completely paid off ( less then 400 left ) the automated phone system say my title was sent the XXXX of XX/XX/2020 but since when u purchase a vehicle you sign a waiver of power of attorney they took my title and are now saying I owe more. I have proof they are somehow making my dmv mail go directly to them too. I asked for a dmv pic fee refund for a different car I cancelled and the dmv approved it but when it was sent to me it was a new check from my dealership stating they had recieved it And they used it to pay my title fees because they don't relized that I know the had previously asked for over 2 refunds for the title and taxes and reinciated the purchase without my knowledge at the time atlast two times I know because I smelt something fishie so i went to the local police dept and ever time I went they confirmed its license plates had been once again reinstalled with a new number. When I finally recieved some plates inside the paperwork stated " sent to the our business partners Hyundai XXXX XXXX '' well the new check said we over charged you here 's what we owe you.. they had the malicious nerve to send me a {$1.00} check and then not apply the rest to the balace of it to my loan a {$250.00} tip maybe they took it as idk where these people logic came from but the dealership is super currupt they put me in 3 cars in 6 months that when I fina ) y got into one I wanted to keep they turned around and went out of their way to give me a car they had fixed because something happened to it with intent that I would never find out .... Well guess what I did. So they maliciously gave me a undisclosed damaged " new '' car for way too much and when I confronted the owner he gave me a written gureentee that it wasn't true even know you can clearly see the car is lopsided I fixed the electrical issues by myself but any somewhat detail oriented person can clearly see that atleast the driver door front wheel panel and maybe the whole or atleast the part above the driver has been replaced, also they vin isn't correct. I found stickers inside the engine compartment with different vin 's then the one visible in the cab or driver door or on the labels on all the exterior of the car.
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| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am writing this in hopes it finds the correct person. I went to the Kia of XXXX dealership in XX/XX/XXXX to discuss the transition of my existing lease. There, I met with a sales associate named XXXX. I didn't want to be late in turning in my XXXX XXXX lease especially as my delivery date was coming up.
When discussing my new lease options, XXXX graciously offered to take back my current lease and waive any fees that would be associated with me terminating my lease a few months early. He made me feel confident that there would be no further financial liability for the XXXX XXXX that we had turned in.
With this information, we agreed to take out two new leases instead of just one as we loved the service and dealership so much and were wanting to stay with XXXX vehicles as our past vehicle experience was great.
XXXX spoke with his manager XXXX who approved the deal, and we left with our two new vehicles, very satisfied.
For the next couple of months, we were heads down due to XXXX and the delivery and care for our new baby. Once we came up for air in XX/XX/XXXX, I noticed my credit score had dropped 100 points and my previous auto loan was still showing a balance of {$730.00} owing. Also, that the balance was now stating it was charged off with a default date of XXXX XXXX the month I turned in my vehicle.
Short-staffed and in the middle of COVID, I understand that things were very hectic at the dealership during the time of my visit, and this may have been an oversight on their part, but I was made a promise that hasn't been fulfilled.
I have tried to contact XXXX, the sales rep, XXXX, the sales manager, and the general manager Mr. XXXX of the dealership, and they failed to honor the deal we made and rectify the situation. I get it- their credit scores didn't plummet only mine, but no one seems to care.
I can't seem to locate any written documentation showing our agreement which yes I should have ensured I received however I am asking that you please honor our verbal agreement and remove the balance owed and charged-off status account from my credit reports. It should just report it paid in full, as agreed with a final update date of XX/XX/XXXX.
Again, I am a long-time brand ambassador for Kia and I am always telling my friends and family, even strangers, how much we love our vehicles and the dealership. I would estimate that 3-4 people of my friends, family and members of my church that I told about my car have actually gone and bought Kia 's . I beg you to please do the right thing and act on this right away. Please correct my credit report so I can get my credit scores back.
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| 07/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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Subject : Notice of Dispute - Repossession of Vehicle under SCRA and Request for Remedies Dear Hyundai Motors Finance, I hope this letter finds you well. I am writing to dispute the repossession of my vehicle, XXXX XXXX, XXXX, which occurred on XX/XX/XXXX. As the spouse of an active service member, I believe that my rights under the Servicemembers Civil Relief Act ( SCRA ) have been violated in this instance.
Pursuant to Section 3952 of the SCRA, I have the right to be protected from repossession without a court order if I meet the following criteria : 1. I purchased/leased the aforementioned vehicle prior to entering XXXX XXXX XXXX
2. I made a deposit or installment payment on the vehicle prior to entering XXXX XXXX service.
Based on the abovementioned criteria, I am confident that I am entitled to the protections provided by the SCRA, and the repossession of my vehicle without a court order is a direct violation of my rights.
I kindly request that you take immediate action to rectify this matter by : 1. Ceasing any further attempts to collect the debt associated with the repossession of my vehicle.
2. Returning my vehicle to me, free of any damages or charges incurred due to the repossession.
3. Correcting any negative reporting on my credit file regarding this repossession incident.
4. Refunding any fees or costs associated with the repossession and subsequent legal proceedings.
I expect a prompt response to this letter, acknowledging your receipt and acceptance of my dispute, within XXXX days from the date of this letter. It is imperative that you provide a formal written response detailing your proposed resolution or any additional information required to proceed with this dispute.
Failure to comply with the SCRA and address this issue in a timely manner will leave me with no choice but to explore all available legal remedies to enforce my rights, including but not limited to pursuing a lawsuit for violations of the SCRA.
I have enclosed copies of relevant documentation, including proof of marriage to the XXXX XXXX XXXX the vehicle purchase/lease agreement, and evidence of payments made prior to entering XXXX XXXXXXXX XXXX, to support my claim. Please review these documents carefully before formulating your response.
Thank you for your immediate attention to this matter. I trust that you will promptly resolve this dispute in accordance with the rules and regulations set forth by the SCRA. I request that all future communications regarding this issue be in writing and sent via certified mail to ensure proper documentation.
Yours sincerely, XXXX XXXX XXXX XXXX.
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| 12/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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My wife and I leased a vehicle from XXXX XXXX XXXX. We made every payment on time and purchased the vehicle prior to the lease expiring ( XX/XX/2108 ). My Credit Union ( CU ) sent Hyundai the funds and the title was transferred. Hyundai was slow to issue a check to the County Clerk for the taxes. My CU had to redo my loan papers to account for and to pay the taxes that were necessary to transfer the vehicle. My wife and I received a check from Hyundai made to the XXXX County Clerk. I voided the Hyundai check and asked that it be re-issued to my wife and I. After several weeks went by I called Hyundai in XX/XX/2018 to ask when we would receive the check. I was told that they would send a check in 3 to 4 weeks with no request for additional information. After receiving nothing in the mail I followed up with a call on XX/XX/2018. I was told that a check was not sent and that I needed to provide Hyundai with proof that the taxes were paid and then it would be another 3 to 4 weeks prior to us receiving a check. I explained that we are now paying interest on the tax money with my CU loan and that Hyundai is receiving the benefit of holding my money for months in the interim. The onus should not be on us to take time from work to prove to them that the vehicle is transferred and that the taxes are paid. Hyundai is already paid in full. Hyundai also refused to check to see if they were still listed with the BMV as owners or to confirm with my CU if a transfer took place. Hyundai could easily have checked my state 's website or checked Hyundai 's own licensing or tax department to verify the transfer. When I asked Hyundai what would happen if I would not have submitted my payments on time for their vehicle they stated they would have taken it or filed suit against me to recoup the funds. When I asked why it was ok for them to hold our money after we fulfilled all of our obligations for the transaction without any repercussions to them, Hyundai stated " that's the way it is ''. I asked Hyundai to specifically tell me what proof they wanted me to send and they could not tell me exactly what it was they wanted. They simply said that they just needed proof. The burden is now on me to provide some " proof '' and submit it in the hopes that it is acceptable. If so, in another 3 to 4 weeks we may get our money returned. Meanwhile, we had to pay licensing and insurance for our lease buyout vehicle but can not get our own money back to offset our expenses. This is nothing more than a giant company bullying and taking advantage of a small consumer while not caring about the impact to the individuals.
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| 12/26/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I returned a XXXX XXXX XXXX in XX/XX/XXXX. The lease was not up until XX/XX/XXXX ; however, I returned it early in connection with leasing a new vehicle. The new vehicle is a XXXX XXXX XXXX XXXX. Both leases were through XXXX XXXX XXXX.
The dealership promised to pay all remaining amounts due on the lease ( excluding excess wear and tear ). I received confirmation several weeks later from XXXX XXXX XXXX that no further amounts were due on my XXXX XXXX when I received the next statement that showed a XXXX balance.
In XX/XX/XXXX ( 5 months after returning the vehicle ), I received a bill from XXXX XXXX XXXX for {$310.00}. There was no documentation explaining why I owed this amount. I tried calling XXXX XXXX XXXX but could not get through. I left a message but no one ever returned my call. This was the first I ever heard that any amount was owed on my XXXX XXXX.
Approximately, 3 weeks later, I received a call from a debt collection agency ( XXXX XXXX ). I explained the situation and told them that I was contesting the bill. They said they would put it in for challenge. I did not hear from any one again until XX/XX/XXXX when XXXX XXXX called me again. I once again told them that this was to be challenged and they told me they would come back to me.
I finally received a letter on XX/XX/XXXX from XXXX XXXX. It included a description of amounts charged by XXXX XXXX XXXX and amounts paid. It ends with a balance of {$310.00} ; however, it never explains why these amounts are owed ( e.g. missed lease payment, fees, damage to vehicle ). It also claims this letter was sent to me on XX/XX/XXXX ( 4 months after lease termination ) ; however, I never received it.
On XX/XX/XXXX, I was finally able to reach someone at XXXX XXXX XXXX. They told me the amounts owed are for a missed lease payment. I explained to them that the dealership had agreed to pay all go forward lease payments. They told me " that was my problem '' and tried to connect me ( again ) to XXXX XXXX. I called the dealership and they told me that all lease payments were made.
XXXX XXXX XXXX has submitted this issue to credit agencies and damaged my credit score. They have also told me I owe money on a lease ( 5 months after lease termination ) but never provided me with any disclosure as to why I owe this money. They also will not even discuss this issue on the phone with me. I would like to know whether this is truly my obligation to pay and would like my credit score repaired. I would also like to make sure that XXXX XXXX XXXX provides full, adequate and timely disclosure of amounts due by their customers.
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| 02/27/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I purchased a XXXX Hyundia Accent for XXXX XXXX Hyundia on XXXX XXXX, XXXX the first contact had added costly services to include extended services, roadside, motor train, XXXX insurance, which at the time I had declined and asked the salesman XXXX XXXX to take out the services and charges. I called the dealer insisting the change or they could take back the care. XXXX responded its too late. I showed up to the dealership and spoke with the finance manager who kept claiming to be a XXXX as myself whom turned out to be dishonest and deceptive.The finance manager canceled the old contract provided a new one with a higher interest rate. He claimed Hyundia Motor finance would refinance a lower rate after 6 months.The total price was XXXX I made 22 payments totaling {$7700.00}. Today I called to find out the payoff and was told I owe {$13000.00}. The Rep ( XXXX ) explained more than half of my payment goes to interest and a {$5.00} daily interest rate is n't visible in the contract which is why she explains it to customers after the fact. I would have NEVER AGREED to that clause. I spoke to the elevation dept Rep XXXX who stated that Hyundia motor Finance will not change the APR even though I have two contracts from the Hyundia dealership. Hyundia is misleading customers, never called my references or verified my employment because they are taking advantage of female customers in an all men work place. The environment was very intimidating. They continue to call send emails and brochures to take back my care for a lesser price to put me in a more expensive car with old debt on top of the new payments. They are a foreign Entity misleading the XXXX XXXX with no Oversite. in XXXX these practices are going unchallenged and unnoticed due to a lack of education. I 'm asking for an investigation into Hyundia and a lower APR for misleading me twice. I have both contracts. Customer Service Rep XXXX then Escalating Dept Rep XXXX stated that Hyundia would not change the rate and does not refinance check with my Bank! Even though I went to a Hyundia Dealership to avoid this mess of small Mom and Pop and Bad Credit places I was treated Terribly after they got my first Signature and paystubs. I asked for a manger and XXXX placed me on hold came back XXXX min later stated manager was n't available yet. She asked if I would continue to hold or someone can call me back. I agreed to continue hold the it was silence then disconnected NO return call they have my number. I am asking President Trumps Administration To PROTECT the AMERICAN People from HYUDIA MOTOR FINANCE and companies like them.
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| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX, I leased a XXXX from Hyundai. Back in XX/XX/XXXX, I was laid off from my job due to the pandemic. I called Hyundai Motor Finance ( HMF ) in the month of XX/XX/XXXX to have my payment deferred on my lease because I was uncertain of my financial situation. The person on the phone said it was ok to do since people everywhere were getting laid off. They explained that my payment will be pushed to the end of the loan. I then called back in XX/XX/XXXX and they explained the same thing regarding my XX/XX/XXXX payment being deferred. I noticed on my XX/XX/XXXX payment statement, my lease maturity date was not XX/XX/XXXX ( the original date ), but XX/XX/XXXX. Since they told me that the payments were thrown at the end of the loan, it made sense that two deferred payments extended my lease date to pay for those payments ONLY. However, on XX/XX/XXXX, when I received my last bill, it was for {$950.00}. I called HMF the same day at XXXX XXXX CT and the agent said it was because my loan was deferred for two months, so that bill includes the two deferred payments and my last monthly payment. I told them, yes it was deferred for two months but my original lease maturity date was XXXX XXXX which is why XXXX XXXX is the new one. She was not really sure after 45 minutes of being on the call. I then called 8 more times after that and talked to other agents and supervisors and no one knew what to do or what had happened. The only common response from everyone was that I had two payments deferred, but I explained that I have already paid 39 payments for the XXXX lease for {$12000.00} which is the same amount in my contract for the lease agreement which is {$12000.00}.
However, I was not told until yesterday, XX/XX/XXXX at XXXX CT, my lease went from 39 months to 41 months because I kept the car longer and it was explained to me, which is not true. I even asked if they had pulled up the transcript that is recorded from XX/XX/XXXX and XX/XX/XXXX conversations with the agent and they did not and will not. They failed to do their due diligence. HMF is failing to admit to its mistakes, yet they said multiple times that their system ADDED payments because it didn't know how to defer lease payments. So they are penalizing me to pay for something that their system messed up. I should not be penalized for their broken payment system. I would've never agreed to extend my lease for 2 more months, 3 years ago. That does not make any logical sense, because I knew I was going to be working again. HMF is violating my lease agreement and they don't want to be held responsible.
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| 11/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Upon reviewing my credit report, I notice XXXX XXXX XXXX, reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. Since I was not the rightful / legal owner of the XXXX XXXX XXXX. Due to XXXX XXXX XXXX dealership illegal activities during the sales transaction. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have XXXX or even had XXXX some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15.00}, XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Desired Resolution / Outcome Desired Outcome : Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.
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| 05/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I bought out my lease in XXXX of XXXX. The car was paid in full, yet title remained in Hyundais name. I am now seeking to get the title put in my name, but require Hyundai to send me the title and a letter authorizing me to transfer title in to my name, as the legal owner. My initial request was sent 5 weeks ago, at which time I was told a copy of title and the letter authorizing me to put title in my name would be emailed to me, and the original title would be mailed to me. ETA provided of 5 business days. Five days later, nothing received, I called back to find out they had no record of my request, but they would start it now. 5 more business days requested. After those five days, I received a copy of title via email, but no original title or title transfer authorization. I called again, and was told I could not receive either without an Odometer Statement, something never mentioned in my two previous requests. They sent me the Statement, I signed and returned immediately, and have e-mail confirmation from HMF of the documents receipt dated XX/XX/XXXX. I was then provided another 5-7 business day turnaround time to process the statement and attach it to my account. On XX/XX/XXXX, I called to confirm receipt of the Statement, and was advised they dont have it. They sent me the Statement again, I completed immediately and returned, and received another e-mail confirmation from HMF that the Statement was received dated XX/XX/XXXX. Ive now called again today, XX/XX/XXXX, and been advised that they dont have the Statement, 14 days after I received confirmation that HMF has the completed document. They sent the Statement again, I returned it again, and have an additional confirmation of receipt by HMF.
Everyone I speak to shares the same story about not having any direct communication with any other department, and therefore no Avenue to research, investigate, or escalate the situation. Everything thats been asked for by HMF has been provided multiple times, with confirmation from HMF that its been received, yet no level of customer service is able to assist further, or provide any alternate Avenue to completion. At this rate, the five weeks Ive been attempting to work with HMF is going to increase exponentially because nobody at HMF believes its their responsibility to actually assist, they simply pass the responsibility on to a department they cant speak to directly.
I want the title and the POA authorizing the title to go in my name, and Ive waited through several failed 5-7 business day turnaround times. There should not be any more such delays.
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| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My Kia was stole in XXXX of 2022. XXXX marked it as a total loss, but then found the car 20 days later and cancelled the total loss in XXXX of 2022.
I've been paying {$370.00} to Kia towards my car every month on time ( about {$3000.00} down from what it was at the time of the total loss ). A few weeks ago, someone from Kia reached out and said my car is still marked as a total loss because XXXX never called them. After I explained the situation, they said they would put a note on my file that it is not a total loss. I then called XXXX and asked that they reach out to Kia Finance to get it sorted.
This month, I am unable to pay my car payment because my account was closed by Kia for " unpaid debt ''. No one from Kia called to tell me this was happening. I called Kia finance today and no one was willing to help me solve the issue. I was just told they needed someone from XXXX to call, they wouldn't provide me with a supervisor 's number to help me. But meanwhile, my car is now marked as unpaid debt, my credit most likely has taken a hit and I don't know if someone will try to repossess my car. Kia Finance said they sent a note of final notice to an old address, which they knew was the wrong one because I changed it over the phone with them XXXX weeks ago when they initially called me. So when he was telling me they sent me the notice, he read off an address that wasn't the one I just confirmed the call with. No one cared about my situation, and given this is a financial wing of a big institution, it's incredible that no one saw the urgency or issue in what they've done. I don't understand how so many steps seem to have been skipped to my detriment.
This whole issue was started by Kia making a faulty car that was easy to steal. Now a year later, they somehow decide I'm not making payments when I can prove I've been paying every single month. Now I'm at the mercy of XXXX calling Kia in time before this goes further. I blame Kia Finance for not properly communicating to me or XXXX or checking my payments before closing my account. If XXXX had been the ones communicating with them to begin with, why am I the one being affected? WHERE HAS MY MONEY BEEN GOING THE LAST YEAR????
I want to understand how my payments over the last year have still been marked as debt, considering even when my car was considered a total loss, I had to continue making payments until XXXX sent them their payment. So how am I responsible for continuing to pay when it's another company 's responsibility to make a final payment, and when I do just that, my account closes?
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| 03/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX my XXXX XXXX XXXX XXXX was a Total loss have a remaining balance of XXXX for my gap Insurance to pay my gap insurance needed my contract and payment history from my line holder which is Kia motor finance but my lien holder Kia Motors Finance dont have my contract no where on file .Then Kia motor finance submitted the wrong finance amount in there system that I have on My original dealership contract that I signed. I then told Kia motor finance how do you have no contract when you bill me statements every month with the right Monthly payment they never have no answers I call them everyday I talk to All the supervisor in there they tell me they All tell me they have to wait till booking department emails them back because the booking department is the one that gets the contract from the dealership and has to put it in the system so they can see it in there their system .with that its been A month and a half and there is still no contract and still no reason how they put in a wrong finance amount. Every time I call they just keep telling me we will email the booking department. And then Kia motor finance is still billing for that balance XXXX And also Billing me late fees due to their actions they dont have my contract that I can give to my gap insurance are any questions on how they have the wrong finance amounts on their behalf .so my gap insurance cant go on with the pay out till they respond and have the contract Kia Motors Finance is still telling me I still need to make the payments when there at fault for this Because of their incorrect actions they made. Now it affected my credit score real bad I ask Kia if they can put a hold on the payments till they get the contract from there booking department because there at fault for this they told me no they cant and steel charging me late fees even when they no they dont have a contract on file and wrong finance amount .I cant pursue on with the gap Insurance pay out until my Kia Motors Finance fixes their mistake they made one there end which I never get answers from them and I called them every day and they tell me the same thing over and over. My gap only gives up to 6 months its been since XXXX I been dealing with this .So basically my Contract I financed at the dealership doesnt match Kia Motors Finance XXXXount in their system and they dont have no contract in their system They basically messed up my credit score and my life Causing my credit score to drop majorly..I even took upon to write a letter to their legal department to their headquarters and to their customer complaint
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| 07/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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The issue is with Kia Finance. Due to the pandemic, I was unable to pay my installments due on XX/XX/XXXX and XX/XX/XXXX. I contacted Kia Finance starting XX/XX/XXXX to request the payment to be deferred and they said they would be deferring my payment to the end of my loan. When I called on XX/XX/XXXX to do the same, they said that my prior payment, which was supposed to be deferred was extended so I needed to call again to request my XX/XX/XXXX payment to be deferred too. After that, I have called and spoke to the customer services agents multiple times ( I am not exaggerating when I say I called more than 20 times ) At the end of every phone call they agents would say that my payments were being deferred without penalties to the end of my loan. I was able to restart making my payments on XX/XX/XXXX so I paid XX/XX/XXXX installment online, as before the pandemic, counting that my other two payments were deferred. My online account didn't say anything about my account being past due. On XX/XX/XXXX Kia Finance called saying that I was late 2 months and I had to make a payment of a XXXX and dollars and something else, and that is not counting the upcoming installment that is due. After more than an hour phone call, they said that now I only need to pay XXXX, that includes XXXX late fees and if I wanted I could call another phone number and ask for assistance at a different department. They expect me to pay this month {$1000.00} to have my account current which include XX/XX/XXXX installment ( XXXX ) that I have scheduled to pay on XX/XX/XXXX and XXXX for a prior LATE payment with LATE PENALTIES, which should have been deferred to the end of my loan without penalties. I called the number provided ( XXXX ) multiple times since XX/XX/XXXX and no one answers, they computer answered and put me on hold for 45 minutes before getting disconnected.
Today, XX/XX/2020, I spoke over the phone with XXXX ( ID XXXX ) she said that my XX/XX/XXXXpayment was applied to a prior installment, one of the ones I requested and they agreed to be deferred, therefore I am late and I need to pay late fees. After 2:06 hours on the phone she said that she would send a request to have someone else calling me next week.I have heard this before and they NEVER call me back.
So at this point, I need them to fix my account. I should have those XX/XX/XXXX and XX/XX/XXXX payments deferred WITHOUT LATE FEES to the end of my loan. And if I need to make any payment now, I will find the funds to pay for it WITHOUT LATE FEES. It is not right they are profiting for mistakes they made.
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| 09/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We leased a new XXXX XXXX in XXXX of XXXX ( XXXX model year ) through KMF ( Hyundai Motor Finance/Kia Motor Finance same company I think ) lease ended 38 months later in XXXX. Upon lease end we sent in remaining balance to purchase the car outright off lease as well as odometer disclosure to KMF. KMF cashed the check. We were under the assumption that we had the title in hand up until XX/XX/XXXX when we started thinking of selling the vehicle that we owned outright. Upon looking for the title we found we only had a copy of the title in our file. I first contacted the DMV in Wisconsin as I assumed we must have lost the original. The DMV informed me their was still an KMF lien/name on my title and they could not get me a duplicate. ( XX/XX/XXXX ) Same day called KMF and they said, yes we actually have your title but you never sent us an odometer disclosure. ( untrue, and even so don't you think they would call us since they had no problem cashing the check ) So we jumped through all the hoops to send in another odometer disclosure and waited a week. Called several times and they say they never received it. Then literally while I was on the phone calling days later the agent showed that they had received it by some miracle just as I was talking with them. Said it would take a few days to process and release the title. Waited a week and called again. They claimed it was still processing and to try again a week later. Called on XX/XX/XXXX and they said they just released it and mailed it and to give it 7 days or so since it mailed from Georgia ( no tracking of course ). They also repeated the address that they sent it to and it was correct. Called again XX/XX/XXXX and they said again that it was mailed out and there was nothing they could do. No tracking, no nothing but they could escalate my claim via an email to their title department. ( they have done this several times already ) So that has prompted me to go online and see if anyone else has had this problem. To my astonishment their are pages of claims that KMF has done this to them. Some people waiting months to get titles ( and dealing with the same smug scripted responses from the KMF call center people with no way to get anything accomplished except " we will send an email '' ) As of today XX/XX/XXXX I still don't have a title for my vehicle we paid them for almost 4 years ago. This has gotten ridiculous and now after reading the dozens of people having the same problem during the same time period I see that I will have to resort to some other way of getting what is mine in a timely manner.
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| 08/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/2020, I walked into XXXX XXXX located in XXXX, PA. I had the intention on purchasing a leased vehicle. I found a car that I liked and we started to discuss pricing. The sticker price for the vehicle was {$32000.00}. I told them that my credit was pulled at another XXXX dealership but I was unable to purchase the vehicle because it was not in stock. Finance then told me that they would have to run my credit again, which I did not understand. When the previous dealership ran my credit they told me my credit score was XXXX. However, upon XXXX running my credit they informed me my score dropped to XXXX. I could not understand why it would drop so dramatically within 3 days. Nevertheless, I told them I did not want to put any cash down for a leased vehicle. XXXX XXXX returned and advised that I would need to put down {$8500.00} with {$2000.00} off due to promotion and I would have to pay {$420.00} per month for 48 months to lease the vehicle. Next, finance come over with the paperwork. This was my first time buying a car so I admit I should have done more research before going into the dealership. I agreed to the terms and signed the documents.
I returned home and told my family of my purchase. After discussing this with my family, I soon learned that I was signed into a terrible deal. Upon reviewing the contract, I saw that with my down payment and my monthly fees I would have paid {$28000.00} towards a vehicle with the sticker price of {$32000.00}. The residual value for the vehicle is {$17000.00}. So in order for me to keep the vehicle I will have to spend {$46000.00}. I immediately tried to contact the dealership with my uncle to advise that I no longer wanted the car. They refused to accept the car and told me I need to contact Kia Finance. I spoke with several representatives waiting for someone to assist me. I was told by one representative that I needed to go back to the dealership and speak with the General Manager and/or Finance Manager. I spoke with both and they again refused to accept the car back. I called back to Kia Motor Finance, and asked if they would deny my original application or void it. I was informed that this was something the dealership would have to handled. I was told so much conflicting information for days. I explained to everyone I spoke with that I feel like I was taken advantage of but no one helped me. Also, I was told that if I traded the car in or sold it that I would be hit with a very expensive early termination fee. I contacted a few dealerships but the most they would offer for the vehicle $ XXXX.
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| 01/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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In XXXX of XXXX I opened an account with Hyundai Capital Amierca to lease a Hyundai XXXXXXXX. Every payment was made on time ( or early ) between XXXX and XX/XX/XXXX.
In XX/XX/XXXX I received an offer to trade in my lease early with XXXX Hyundai located at XXXX XXXX XXXX XXXX XXXX NJ XXXX. Part of this deal was that they would make my final payments for the existing lease and I would start a new lease with my next vehicle. We proceeded with the transaction and I began my new lease.
In XXXX of XXXX I received a letter indicating my payment was late for the existing vehicle. I brought the letter to my dealer and they called up Hyundai Finance and advised me not to worry, their check was sent to them and there is probably a delay. This occurred in XX/XX/XXXX again and I was told the same thing.
By XXXX of XXXX the creditor had put the account into collections as a chargeoff. I then came into dealership, made them conference call Hyundai Finance and it was at this time the dealer realized they made an error in calculating payoff. They immediately sent the check to Hyundai Finance and the account was closed as paid, with a charge off.
In the following XXXX years, I returned to the dealer several times asking they contact Hyundai Finance as my credit report was showing XXXX late payments and a charge off. The dealer reached out and was told this information would be corrected.
This past XX/XX/XXXX, my wife and I began looking for a home and upon checking credit I noticed this issue remained uncorrected. I called all credit bureau 's opening several disputes which all returned without any change. Upon calling the credit bureau 's I was told that I had to write the creditor as they can only report what the creditor agrees to.
Over the past 4 months I have called and written the creditor only to be told ultimately that while they understand the dealer made the error, they would not update the reporting information as it was " correct at the time ''. I asked if they understood I as the consumer was not at fault and they indicated " yes, we understand, the dealer is, but the information being reported is technically accurate ''.
As the innocent party, following the direction of the dealership who assumed responsibility for payment, I don't understand how I end up the damaged party. As Hyundai Capital America has refused to make a change, I am requesting your assistance in correcting this information. The attached letter contains account numbers, address 's for relevant parties as well as the dealers own words on the current issue.
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| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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Affidavit of truth Dear XXXX XXXX XXXX I XXXX XXXX XXXX hereby rescind to be liable or compelled to perform on the contract and agreement I entered with XXXX XXXX dealership on XX/XX/XXXX.
I entered into this contract agreement with XXXX XXXX dealership without : 1. Full disclosure of my right to rescind.
2. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ).
3. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ).
I have reason to believe that XXXX XXXX dealership willingly and knowingly took advantage of me and my consumer credit.
I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that pursuant to 15 U.S.C. 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charges. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such rescission.
In addition, I was given false and deceptive information, as I was informed that a down payment of {$4600.00} was needed for me to drive off the lot. Notice that pursuant to 15 U.S.C. 1635 : within 20 days after receipt of notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property which in this case is a XXXX XXXX XXXX vin # XXXX.
Pursuant to 15 U.S.C. 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.
Pursuant to 15 U.S.C. 1611 ( 1 ) ( 3 ) : one can be fined up to {$5000.00} or Dave imprisonment for up to one year or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, XXXX XXXX XXXX willfully violated this law when you failed to disclose and provide all information clearly to me as a consumer.
Your failure to comply with this rescission will result in civil liability for fraud pursuant to 15 U.S.C. 1640.
I will also follow up with an invoice for said violations ( {$1000.00} per violations ) Furthermore the overall payments of {$47000.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without prejudice. All natural inalienable rights reserved.
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| 09/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Account number XXXX XX/XX/XXXX ( 4 ) phone calls to Hyundai Finance ( Option 4 ) Talked with XXXX who directed me to pay off the total amount on online.
Submitted a one time payment of {$11000.00} ( Confirmation number XXXX ) as well as the exact odometer reading for the car ( XXXX ).
Was told by XXXX to call back next day, that payment would clear they could release title to he sent in 7-10 days.
XX/XX/XXXX ( 1 ) Phone call made to Hyundai Finance ( Option 4 ). Spoke with ( unknown ) and informed it could take up to 1-2 days. Was asked to update my address to my current address XX/XX/XXXX {$11000.00} was taken out of my bank account so proceeded to call to have title released.
Spoke with someone ( unknown ) who stated I owe an additional {$160.00} due to the change in address ( questionable, but emergency to receive title in time so paid ). Confirmed they received the {$11000.00} but was still pending s XX/XX/XXXX ( XXXX ) Phone call made to Hyundai Finance ( Option 4 ) Calling because now the amount of {$160.00} was taken out of my bank account.
Got transferred to customer service at that point told me that the money still not applied but all of my paperwork is submitted, and now this will take 7-10 additional days.
XX/XX/XXXX - informed me that the in-house process will take between 30-60 days to apply the amount paid on XX/XX/2022 & XX/XX/2022. asked for supervisor who said he put priority but unwilling to tell me how long it will take.
XX/XX/XXXX - customer service said XXXX still owed. Transferred to lease end who said they see both payments but not released, transferred to lease end who said requested to close account an additional XXXX days before can be processed.
Was told would have title in hand in 10 business days. Paid nearly $ XXXX online and now told you to two months. Had a buyer lined up for car, now Im not able to sell because they keep promising different dates. Moving out of state XX/XX/XXXX. Read reviews online, and this is what they do. It is so important I get the title in hand when promised. My family and I have completely packed up everything we have and depended on getting the title in hand to be able to sell the car and get out to our new home on the XXXX XXXX to be there for my mothers end of life. It is extremely disturbing that there are promises made to customers which we depend on.. in this case, family and I will not only miss saying goodbye to my mother, but my family and I could end up homeless without a place to stay, and down $ XXXX. My bank has confirmed they accepted the payment.
|
| 01/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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On XXXX XXXX I paid off my vehicle with Hyundai Motor Finance. I called the company to inquire the process for the receiving my title. I was to that the lien release would be processed in 10 and to call back on XX/XX/XXXX to verify it had been processed. I was also told that Florida was an electronic state and they would receive the lien release and title.
On XX/XX/XXXX I returned the call to Hyundai and was told the lien release had been processed and I also requested that a copy be mailed to me.
On XX/XX/XXXX, I called the DMV in Florida to verify that they had received the release and to find out what I needed to do to secure my title. I was told by the representative that the system showed that my title had been sent electronically to Georgia per the lien holder. I immediately hung up and called DMV in Georgia. I told that Florida had advised me that the title was sent to them electronically from the lien holder, Georgia advised me that they are not an electronic state and that upon reviewing my file with I needed this corrected immediately as I was moving from Florida in approximately 2 weeks and did not have 30 days to process a lost title per DMV in Florida. After going round and round with Hyundai and not being able to speak to the title department directly a manager basically said the same thing with no resolution to correcting their mistake of sending the title to an address that was not correct, I finally contacted Florida again to see what could be done as I was leaving Florida in 2 weeks. The representative said the title had been mailed and I could do one of two things, ( 1 ) I could wait and file a lost title or could come have them print another copy. I went to DMV on XX/XX/XXXX to get a printed copy and was told the cost was {$85.00} ; given my relocating and not being able to come back to Florida in 30 days I paid to have the my titled printed.
When I got home I called Hyundai back again advised them of what I had to do to repair their mistake, as always they verified the they sent the title to the wrong address and that the had to send an email to the title department. I advised them I needed to speak to someone who could issue a refund of my {$85.00} to cover their mistake with my title, I was placed on hold for approximately 5 minutes, The rep came back and said based on your payment history, I immediately stopped her told this had nothing to do with a payment history and that I wanted a refund for having to pay for their mistake she states that they would not refund me the {$85.00} and hung up.
|
| 03/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX, I made a payment of {$580.00} as reflected due on my XX/XX/XXXX statement. That payment was to cover for a due date of XX/XX/XXXX. The payment successfully posted. I logged in this morning and was alarmed to see a payment due on XX/XX/XXXX of {$700.00}. Now, I has also called about 6 months ago after receiving notification of tax payment due for my vehicle. I asked the associate if I could make payments over the minimum and when I do, would that automatically be applied to the balance I owe for taxes. She confidently replied YES. So, for 6 months I have been doing that, only to find that they have not been applied to taxes. Why would I overpay on a lease? On XX/XX/2020 at approximately XXXX XXXX EST, I made a call to Hyundai Motor Finance to discuss a concern I had with my payment due amount. I spoke with an associate that told me that I still owed the {$700.00}. I asked to speak to a supervisor. XXXX XXXX, supervisor at Hyundai Motor Finance, informed me that the website was incorrect and I owed nothing more for XX/XX/XXXX but would go ahead an resume my normal payment amount for XX/XX/XXXX. He also provided me with a confirmation number. Due to his lack of confidence on the call, I waited a few hours and called back at XXXX XXXX EST. The associate the informed me that I actually owe {$190.00}. She was unable to explain to me why her explanation differed from XXXX XXXX 's. I then asked for another supervisor and specifically requested to not speak with XXXX XXXX again but of course, he came on the line. When I confirmed that it was him I spoke to earlier, I asked for a different supervisor to which he responded, " There is no one else here. It's just me ''. He also advised that it " may '' be possible for me to get another supervisor so I offered to hold but he told me that y only option was to call back to " try '' to get someone else. At which point, I requested an address to submit an Executive Complaint/Escalation. His response, " We do not have that. There is no address to submit a complaint and your questions or concerns end here ''. I have been in the XXXX XXXX for over 13 years and I am WELL aware of the options to Escalate beyond the call center environment. So my next move is to call back for a 3rd time with the anticipation that XXXX XXXX 's shift has hopefully ended and see if I can get a 3rd amount of payment due from a different supervisor. This is not an acceptable response to my financial concerns. He/they did not help and can not provide accurate information and refused to help me.
|
| 07/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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( This is what I sent to them ) Consumer Report To whom it may concern, I financed a car through Hyundai on XX/XX/XXXX. We agreed my payments would be {$260.00} a month. Since the day I made my first payment, XX/XX/XXXX, I have paid {$400.00} a month. I did this to cut down on the interest. I also told them them that any EXTRA money I wanted it to go towards the principal. This is how you cut down on interest. I recently found out that they have not been doing ANYTHING that I have asked. I have called multiple times in the past complaining about this same things just to be told " Oh, we'll fix it for you. '' And then they do nothing. I've called so many times this past month, XXXX, just for someone to tell me " Oh, ma'am we apologize but it's seems like they have been XXXX XXXX you account for a while. '' It shows on my account that I owe way more then I am suppose to.
The last phone call I made was on XX/XX/XXXX and I was told that because I mentioned Consumer Law that my case needed to be escalated to the powers that be. Go figure. The lady then told me that it can take up to 10 business before someone would call to discuss my case. I said ok. It is now XX/XX/XXXX and I have yet to hear from anyone from Hyundai Motor Finance. It feels like they are NOT taking me seriously and I feel like they are purposely robbing me of my hard earned money. Typically, you're suppose to give a business at least 2 weeks to correct an issue. Well, it's been almost 3 years. I'm done talking, I'm done waiting, I'm done being nice. I have recently disconnected my auto payment and I have decided to no longer make my payments. This is something I have LITERALLY told the representatives of Hyundai Motor Finance that I would do IF they do not correct the problem. They have literally ignored my every request. This is what has brought me to you all. All I ever wanted was for Hyundai Motor Finance to correct my account and to listen to me but they have shown me that I do not matter. So, now I wish to sue them. Sue them for negligence and pain and suffering. All of this could have EASILY been settled had they followed through on their part.
I have called MULTIPLE times, I have sent emails, and now I have sent a hard copy complaint via mail. Legally I have given you over 30 days to adjust or fix my account and you all ignored me and did nothing.
If this does not catch your attention then hopefully a lawsuit will. Good day.
I have filed a complaint with State of Nevada Office of the Attorney General and the Federal Trade Commission.
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| 07/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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My XXXX XXXX XXXX was determined to be a total loss on XX/XX/XXXX. Ive made several calls to Hyundai Finance asking questions about the total loss process with issues at each step. Including several requests to show me what they use to determine what balance is owed to make it even or refund/GAP insurance uses and these requests always were ignored including my email on XX/XX/XXXX and XX/XX/XXXX to the email address XXXX.
Ive been told Im not allowed to speak to this department and customer service cant answer questions, they can only send an email and then it is up to me to follow with the customer service department to see if the total loss department responded. They dont respond then either.
I was initially advised my refund check would be {$1400.00} on XX/XX/XXXX by customer service. I then called back on XX/XX/XXXX to check the status and was advised the payment was now {$970.00} because a deductible was applied and that shed never seen this so would submit an email to them to ask about this. I followed up on XX/XX/XXXX and was told they had no answers for me, that a deductible is applied for the GAP insurance whether its used or not and they couldnt tell me more. I asked for documentation that showed they had this right because in my contract documents it didnt have this language. I was on this call for 40 minutes when the supervisor disconnected the call and did not call me back. I sat on hold for an additional 15 minutes to speak a new representative who offered to help but after all the time I had wasted, I requested that the initial supervisor and/or her supervisor contact me back and was told hed submit the request and it should be completed within 24-48 hours. I never received a call, email or letter from anyone. I called today, XX/XX/XXXX and they advised the check was finally sent to me on XX/XX/XXXX - XXXX weeks later but still for the {$970.00}. The supervisor ( XXXX XXXX ) stated all he could do was send an email requesting the total loss department send me documents about this deductible but he didnt think they would, a request was already sent from my last call that they never responded to and that that was all he could do. He could not hold that department accountable, escalate the situation or even let me speak to his supervisor. If the GAP coverage wasnt used, I do not understand how they can apply a deductible to the refund issued. Separately that they have ignored consumer requests for documents to confirm this seems like bad business practices and failure to comply to consumer rights.
|
| 02/09/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
Describe what happened so we can understand the issue ...
After loosing my job, I fell behind on car payments, I always called and made arrangements. I had called KIA MOTOR FINANCE and made arrangements to pay the balance of XXXX on the XXXX of XXXX. I had made a payment of {$500.00} XXXX and that payment had cleared my account.
XXXX XXXX I woke up to my car missing. I immediately called KIA MOTOR FINANCE they told me that had not taken my car back. I called the police, after 2hours the police informed me the car had infact been repossessed by KIA MOTOR FINANCE.
I sent KIA MOTOR FINANCE the record of my payment on the XXXX XXXX being withdrawn from my bank account and I asked them why I they had repossessed my vehicle if arrangements had been made, and then told me that they had not done the repossession forcing me to call the police and waste a public officials time based on a lie.
They would not answer my questions, they told me I know owed from a beginning balance of XXXX which was reduced by a {$500.00} payment on the XXXX XXXX, to {$960.00} was no infact {$1400.00} + {$490.00} + {$320.00} and another {$370.00} to the tow company.
I had 48 hours to complete the transaction.
I paid the full amounts owed to everyone and went to pick up my car. The tow company XXXX in XXXX, CO did not print me a receipt of payment, I was informed they could not print. I retrieved my car which had significant damage on both the driver back door XXXX and the passenger bumper.
Immediately I informed the lot clerk, who pulled up the pictures of my vehicle when they picked it up on XXXX XXXX. I stood behind her and took pictures with my cell phone, clearly the there was no damage in the photos on the computer, proving they lot or drivers had done the damage upon repossession.
I asked fora copy of the photos, which I was denied. The owner XXXX, asked to speak to me on the phone, he told me I was " confused '' and when I protested he yelled " XXXX and let me talk '' At which time I called XXXX Police Dept. who sent XXXX officers to assist me and take note of the damage, the verbal confrontation and the photos displaying on the computer showing no damage.
The police informed me the owner would prefer me take the vehicle to a repair shop and " send him the bill '' rather than give me his insurance information.
I refused the offer and requested the insurance information for a claim.
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Problems when you are unable to pay
|
| 05/23/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
On Monday, XX/XX/XXXX my wife and I leased a new XXXX XXXX XXXX from XXXX XXXX. As part of the transaction, the termination of our lease on our XXXX XXXX XXXX was processed. As discussed with the sales manager in great detail, part of the deal was that we would be " free and clear '' of our lease on the XXXX XXXX XXXX, which included the early termination of our lease. The only payment moving forward would be on our new lease for the XXXX XXXX XXXX.
In the first week of XXXX, I discovered via an email regarding my credit report that XXXX XXXX XXXX claims that we owe {$1400.00} and are delinquent on the outstanding balance for Early Termination of the Lease on the XXXX XXXX XXXX. We have never received a bill in the mail or via email. I called XXXX XXXX XXXX and attempted to explain that this was incorrect ; it was our understanding that I did not owe anything, as the termination of the lease was part of the transaction of leasing a new XXXX XXXX XXXX. I was told by the representative that this was based on the sale of the vehicle and the terms of my lease. The representative was very unpleasant and stated that XXXX XXXX XXXX did not communicate with dealerships and that I need to contact the dealership if I felt there was an error.
I went to the dealership and my sales representative referred me to the finance manager who I communicated with via email. Yesterday ( XX/XX/XXXX ), the finance manager left a voicemail stating it was not {$1400.00} that I owe, but only two payments, which would be around {$790.00}. She also referred me back to the sales rep and the manager, which I will do. Though there may be a possibility of a clerical error, at this point I feel that I am getting the run around, so to speak. Either way, I think there was a binding verbal agreement that the old lease was terminated without any liability, and that we were only financially responsible for the new lease.
Additionally, I never received a statement for the {$1400.00} from XXXX XXXX XXXX, and it was reported to the credit bureau without my knowledge that XXXX claimed it was owed. I stopped receiving payment reminders for the XXXX XXXX via email in XXXX. The website now shows the balance owed of {$1400.00} and number of days it is considered late. It also shows that we made 35/36 payments on our lease, with only the XXXX payment as not paid. I not only contend that I do not owe the {$1400.00} and but it also should not have been reported as late to the credit bureaus, so that needs to be removed from my credit report.
|
| 07/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 11/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, CA. During this purchase, I traded in my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX offered to give me the payoff amount for my trade-in, and we concluded the transaction the same day without issue. On XX/XX/XXXX I was auto-debited for my monthly payment on the XXXX XXXX . After two weeks, Hyundai Motor Finance had not processed the payment from XXXX XXXX, and by extension XXXX XXXX XXXX, to release the lien and transfer the title to XXXX XXXX. At the time, I was not concerned as I knew I would be reimbursed. Two days later on XX/XX/XXXX, Hyundai Motor Finance processed the payoff from XXXX XXXX, and my account was closed by Hyundai Motor Finance. I waited for my refund check from Hyundai Motor Finance.
After approximately 3 months I called Hyundai Motor Finance and reported I had not received a check. They told me they would issue another check. I waited another month ( XX/XX/XXXX) and called again to report I have not received a check. They said they would issue another check. I wanted another month and called Hyundai Motor Finance again after not receiving a check. This time I was escalated to a supervisor who reported that XXXX XXXX has to request the check as XXXX XXXX overpaid for the vehicle by definition, and that XXXX XXXX has to refund me. I was explicitly told that the Dealer has to call in. I gathered information and communicated with XXXX XXXX.
I then began communications with XXXX XXXX, Controller for XXXX XXXX, and she has been attempting to assist me. Throughout the entire process, Hyundai Motor Finance has continued to delay, and misdirect XXXX XXXX and still has not made any attempt to refund XXXX XXXX, XXXX XXXX XXXX, or myself. XXXX talked to multiple different reps, including XXXX and XXXX, and got varying responses. XXXX was then told that they could not help her as the customer would have to be the one to call in. This goes against everything I was told. I then attempted a final call in XX/XX/XXXX, at which point I talked to XXXX XXXX He said he would resend the refund check to XXXX XXXX XXXX and would follow up with me in XXXX business days. XXXX XXXX never called me, and XXXX checked with XXXX XXXX XXXX and they never received a check.
It now has been almost 1 full year, and Hyundai Motor Finance is continuing to engage in deception and fraud as to not return an over payment. All that I ask is that I am refunded the money I am owed by Hyundai Motor Finance, which amounts to around {$560.00}.
|
| 08/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I had a vehicle loan with HMF that I was paying off at an accelerated rate by making extra payments. I decided I wanted to pay off my entire loan in one lump sum. When I contacted HMF to receive a payoff quote, I was told that some of my previous payments were being held " in suspense '' because of how far ahead I was on my payments ( roughly 22 months. ) I was unable to get an accurate payoff quote because of this. I was told to generate the payoff quote online, payoff the amount that was shown, and that any overage would be sent back to me as a refund once the loan was paid off.
I generated a payoff quote on HMF 's website on XX/XX/2020. The payoff quote was {>= $1,000,000}. I knew this amount to be higher than what I owed but again was assured it would be handled by the payment processing department. I wrote the check, sent it in the mail to HMF.
I received correspondence from HMF on XXXX XXXX from a gentleman that was assisting me in getting the payments that were being held in suspense cleared. He informed me via email that he was able to do so and that my payoff quote should now be correct. I had already sent the check in the mail by that point but generated another payoff quote online just to confirm. The payoff quote generated on XX/XX/XXXX after payments were applied properly was {$9000.00}. This is about what I expected the payoff quote to be so I felt confident that all issues had been resolved and that the difference would be handled when the loan was finalized.
I received a letter in the mail from HMF that my loan was now paid off and I was able to receive my title from the DMV. I have contacted HMF numerous times over the last few weeks to get an update on my refund. Each time I am told that there has been no update from payment processing and there is nothing further they can do.
The difference between what I sent to HMF ( {$10000.00} ) and what my corrected payoff quote amount was ( {$9000.00} ) is {$1000.00}. That is the amount I am owed from HMF.
The last correspondence I have from HMF was on XX/XX/2020 from the same gentleman that was helping clear my payments via email. He confirmed that I would be receiving a refund and that he was " working on the refund now '' but explained that due to COVID19 accounts payable is working from home and processes are behind. I feel that I have been more than patient during this time and would simply appreciate an update on this situation and would like to receive the money I am due.
Thank you for your attention to this matter.
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Back in XX/XX/XXXX, I leased a car through XXXX XXXXXXXX in XXXX MA. ( Which is now a XXXX XXXX ) I already was not happy with my purchase experience.
Now, This past XX/XX/XXXX, they repoed my car, with no warning & I still haven't got a full explanation of the exact reasoning.
In XX/XX/XXXX, I was laid off because of the Pandemic, and currently still am. I did email to ask to defer payments, like they offered but didn't receive a response.
In XXXX, There was an error in taking money out of my account, but in my bank statements, you can see I put the money into my debit that day for my monthly car payment.
Faithfully, ever since and before this - Hyundai has taken my monthly payments out like usual.
ON XX/XX/XXXX around XXXX XXXX - My car was repoed out of my fathers driveway. No warning. ( I didn't think anything was wrong, considering my monthly payments were being taken out per usual. ) Shocked this was happening and it was too late to call anyone, I checked every account I could.
My hyundai account said I had a balance past due of " {$880.00} '' and said the total due was {$1100.00}.
The woman I spoke with the following morning, said i had to pay {$1300.00} for them to tell me where my car was and {$120.00} cash to go pick it up an hour away by XXXX ( it was XXXX XXXX ) or they could auction my car if they wanted.
From my account it looks like the total I was charged was {$1300.00}.
On XX/XX/XXXX, I sent Hyundai a check for {$1400.00}, I checked with my bank, and yes Hyundai did cash this money electronically, but never posted it to my account.
The following day, XX/XX/XXXX I called and they said I had to wait a few days for me to get out of " repo '' and help me further with my account.
XX/XX/XXXX - I called and then asked to be transfered to a supervisor, after getting no help - but he also told me he can not help with Repo 's.
I asked about the missing check, he agreed they have no record of it and to mail in a bank statement to California but said " once we process it, it will be in your account '' My credit score also went down MAJOR because of payments they say I haven't made.
I am XXXX year old girl. I work hard to make all my payments in a Pandemic.
Of course, if I thought I had owed money, I would have paid.
Now, this is going to affect so many things that I won't be able to do in the near future because of bad credit I don't believe I should have.
I have money that is missing & unaccounted for, and every payment I have been told I owe is different.
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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On XX/XX/XXXX, I entered into a lease agreement with Kia Finance America for a XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, I decided to do a lease buyout and purchase the vehicle with a lease buyout loan from my bank. I made my regularly scheduled payment on XX/XX/XXXX as agreed. Kia Finance America received the buyout payment from my bank on or about XX/XX/XXXX, and held the funds against my account, but did not apply the proceeds to the lease buyout until on or about XX/XX/XXXX. The lease buyout transaction was completed prior to XX/XX/XXXX.
In XX/XX/XXXX, I received a notification on my credit monitoring that my score had dropped over XXXX points. I logged into my credit monitoring tool and saw new negative information from Kia Finance America, indicating that the account was closed and late. I immediately disputed the information and contacted Kia Finance America and demanded they correct the information within 48 hours as I was in the process of refinancing my home. They came through and reported the corrected information with XXXX and XXXX. However, since they did not respond to the dispute from XXXX, XXXX decided to remove the account from my report for Kia Finance America 's failure to respond.
On XX/XX/XXXX, I received a notice from XXXX that Kia Finance America demanded that the account be re-added back to my XXXX credit profile. The information that was included in the demand for reinstatement contained wholly inaccurate information, indicating that the account was past due and more than 30-59 days past due, with derogatory comments in the additional information block. I again contacted Kia Finance America and demanded they correct the information, they submitted changes, but still contained inaccurate information, and continued to affect my mortgage, and other specific XXXX scores.
At this point, I got into a back and forth with XXXX, XXXX ( the credit monitoring tool I use ), as well as Kia Finance America, trying to get the information correct, and all 3 continue to point fingers at each other. I gave up for a while after disputing several times, and then being unable to dispute until recently.
On XX/XX/XXXX, I was able to submit a dispute through XXXX against the data in my report regarding Kia Finance America. On XX/XX/XXXX I received the results, and Kia Finance America has doubled down and added more new and inaccurate derogatory information. This is a clear violation on several fronts of the Fair Credit Reporting Act and needs to be resolved immediately.
|
| 02/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I submitted a previous complaint to Hyundai about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except Hyundai to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, Hyundai charged me a fee and said they would have waived it if I had gotten a Hyundai. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another Hyundai. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does Hyundai think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, Hyundai instantly begins reporting late payments to the credit agencies? Why can Hyundai take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when Hyundai was unresponsive during the pandemic and it was difficult to receive responses )?
2. The process to have Hyundai honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to Hyundai, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to Hyundai. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment.
Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions Hyundai should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy?
2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/XXXX?
|
| 08/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I paid off my vehicle with KIA Finance over 4 months ago. I have been on the telephone with them for over 3 hours in 5 separate calls. They will not send me a title.
Background : XX/XX/XXXX : I paid off my lease to purchase a XXXX XXXX XXXX. I received acknowledgement of the payoff.
XX/XX/XXXX : I received a " letter of no interest '' from KIA Finance ( the leasing entity ). I was told this letter would be sufficient to obtain a title in my state of residence, Virginia.
XX/XX/XXXX : With the pandemic backlog at the Virginia DMV, this was the next available appointment to get a VA title. On that date, VA DMV personnel told me I needed : a ) the original title, b ) a bill of sale, and c ) what sales tax may have been included in the purchase.
I requested and received a written letter to this effect from VA DMV. I then made a request for these items through KIA Finance Customer Service. I first talked with an individual named XXXX, then a supervisor by the name of " XXXX ''. XXXX told me a title would be sent in 5-7 business days. I faxed the request from VA DMV directly to XXXX XXXX 's Title Department to make sure they understood the request for these documents was from the VA DMV, not me. This call 's duration was 1 hour and 2 minutes.
XX/XX/XXXX : With no response, I called KIA Finance customer service again. First a person by the name XXXX, then a supervisor by the name of " XXXX '' ( sp? ).
XXXX promised a call-back with an update. Call duration : 22 minutes. I did not get a return call.
XX/XX/XXXX : I spoke with a person named " XXXX ''. He said the issue had been escalated, and action would be taken in 3-5 days. Call duration : 13 minutes.
XX/XX/XXXX : A customer service person named XXXX confirmed a title had NOT been sent. I was connected to a supervisor by the name XXXX. When XXXX could not help me, I was connected to a manager, XXXX. XXXX said he would " do his very best to get a response from KIA 's title department ''. He suggested I call back the next day for an update. Call duration : 48 minutes.
XX/XX/XXXX : This time I was connected with a " special agent '' named XXXX, supposedly working with the KIA title department. She said a request had been made with the title department, and I would have to wait 5-10 days for a response. When I told her this was unacceptable, she tried unsuccessfully to reach the manager, XXXX. When he was unavailable, XXXX said she would try to find someone else who could help me. After 45 minutes, the line disconnected.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I previously co-leased a XXXX XXXX from Hyundai through Hyundai Finance. In XXXX of XXXX ( at the beginning of the COVID-19 pandemic ) I was attempting to return a leased vehicle on time, but Hyundai made it extremely difficult to return the car. After being turned away at multiple Hyundai dealerships, I finally found one that would allow me to turn in the car. The vehicle was turned in on time and in perfect condition.
At the time of the turn in, I was told that due to COVID, there would be no exchanging of documents and I wouldn't be provided with any paperwork. I was also told to expect to be contacted later with additional information ... such as the turn in fee. However, I was informed to expect delays with being contacted because of COVID making things more difficult. I was never told how or when I'd be contacted.
After months and months of waiting, both my co-lessee and I were notified in XX/XX/XXXX of a negative credit pull from Hyundai over an unpaid fee. I was shocked since I had not heard from Hyundai about any outstanding fees.
I immediately called Hyundai Finance and asked what happened. They told me that they do not send the final invoice via email despite all prior invoices being sent by email. They also said that if they call and I miss the call, they do not leave voicemails. The only way I could have been notified of the final fee was by letter, which I never received.
I turned out that Hyundai had the incorrect address and the final invoice was not actually sent to me, but rather some other address that doesn't even exist.
I would also like to point out that I regularly checked my online account and saw nothing, until I called and followed up with Hyundai Finance. Once I spoke with them, the original invoice including the fees in question posted to my account. You can see in the attached documents that the final invoice has the incorrect address. When I spoke to Hyundai Finance in XX/XX/XXXX, I told them of the error in address.
I settled the outstanding amount with Hyundai the day I learned of it, but it seems that they have kept the negative credit mark on the accounts of my co-lessee and I. When I filed a dispute with Hyundai, they investigated themselves and found there was no wrong doing and that nothing would change.
I am desperate to remove the negative credit report for both my co-lessee and I since the fees were paid immediately upon learning about them, despite being denied the opportunity of knowing about them in a timely manner.
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
|
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness.
Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties.
I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA.
Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.
I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.
Thank you for your immediate attention to this matter.
|
| 05/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
In XXXX I purchased a certified used XXXX XXXX XXXX from Kia in XXXX, XXXX for {$15000.00} under my maiden name. My car was financed through Kia Motors Finance at the time.
In XXXX I paid the remaining {$12000.00} balance from my joint XXXX account with my husband under my married name through a payment request from our account to Kia Motor Finance.
At the end of XXXX we got military orders to move to XXXX I then inquired about my title and was told it was sent to a random address of which has never been on my account and was not ever verified before sending the title.
I then requested multiple times for the title or lien release to be sent to me of which it got denied each time because Kia Finance stated that I was not the one that paid the loan off. However, I explained very clearly the situation and was still denied my lien release. I then reached out to someone from Kia Finance Corporate who was able to assist me in getting my lien release. At this time I also emailed in a copy of the check and proof that I paid off the vehicle. I received the lien release the day the military needed to ship my vehicle.
Upon being in XXXX, my registration expired. I attempted to get it renewed, however. The XXXX DMV said I was unable to get the registration renewed with the lien release due to it still being in Kia Motor Finance 's name and because I purchased the vehicle in XXXX Following this encounter, I reached out to Kia Motor Finance customer service again to request a duplicate title to be sent to me. I was told that it would be sent out as soon as possible. I also spoke to the XXXX DMV who verified that Kia Finance was in fact the one who needed to request the duplicate title. A couple weeks later I called and was told that my request was once again denied to which I was never told was the case. I then spoke to escalations who gave me another email to resend the documents. I sent the documents and was again told the title would be sent and it would be received within 10 business days. Upon checking on the status of the title following the 10 business days, the title had still not been sent out. As of XX/XX/XXXX I was told once again the title request has been submitted but have not received any proof that this is the case. I have also spoken to a military lawyer who has submitted a written request.
Due to my registration being expired since XXXX, we have had to get a new secondary vehicle because I am unable to legally drive my vehicle or sell it if needed.
|
| 12/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I leased a new XXXX XXXX in XXXX of XXXX. With my lease I also purchased a Dent and Wheel protection plan through XXXX. My original monthly lease amount was going to be {$120.00}, but the protection plan fee was added to my lease, so my monthly lease payment became {$150.00}. A few months later, I found out that I was originally sold the wrong plan ( due to the type of wheel ). XXXX resolved the issue by cancelling the plan and giving me a {$500.00} refund. Meaning, I kept paying the XXXX till the end of the lease. I accepted the {$500.00} settlement. So far so good.
The problems started afterwards. At the end of the lease, in XXXX of XXXX, I requested an extension on the lease from Kia Finance, and I received it. At that time, I was told by a Kia Finance agent on the phone, that due to their computer system, they can not change my payment to {$120.00}, and I would have to keep pyaing the XXXX, eventhough I did not have the Dent and Wheel protection plan anymore. They told me on two separate occasions, by two different agents, that I would get a refund of {$180.00} for the overpayment at the end of the 6 months extension period. One of these agent 's name was XXXX.
XXXX months of {$30.00} overpayment results in about {$180.00}, Therefore, I kept paying {$150.00} monthly for 6 months, and requested the {$180.00} refund at the end of the lease. I called several times and talked with different people about my refund. My call was always transferred from ane person to the next, I was put on hold for long periods of time, such as XXXX minutes, but no one seemed to know who was responsible for refunds. Eventually, I spoke with XXXX, back in XXXX, who told me that I would not get a refund. When I asked why, she put me on hold for a long time, for doing research, and eventually she coud n't give an explanation. Just said that my account was not due for a refund. I asked to speak with a supervisor. She said she was the superviror and that her supervisor was not available. I also mentioned that I wanted to write to Customer Service. She told me that even if I contacted Customer Service by writing, the letter would come to her and she would deny my request.
Kia Finance Attn : Care Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Even though, this is about a {$180.00} refund, I feel that I received an unfair treatment from Kia Finance . Also, the same problem could happen to someone else, who might lease an expensive car, therefore lose more money in the process, than I did.
|
| 02/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I contacted Kia financial last week to request an extension due to financial hardship ( covid ) and the representative who represents the company said I did not qualify for one until a year of making full payments from the last extension I received. So I asked her to read me the dates of my prior extensions I had one in XX/XX/2018 and a few months later in XXXX 2018 i had received another one. So, I asked her how was it that i received back to back extensions that did not require a full year of payments. She could not explain it to me so her answer was extensions are a courtesy. I asked her if the extensions were indicated in the initial contract I signed she could not answer. She then put me on hold spoke with a Supervisor and came back on the line and said I just spoke with my supervisor and we need only two payments to be made to qualify you. I was confused at all the inaccurate information I was receiving. I came across civil code XXXX ( a ) and XXXX which states that 180 days after the state declares that the emergency related to the COVID-19 disease has ended, no service may ( d ) repossess or give notice of intent to repossess a mobile home or motor vehicle. Secondly under civil code XXXX ( b ) On a car contract, the initial required forbearance period is 90 days. Civil code XXXX ( b ) on the borrowers request, the forbearance period must be extended throughout the covid 19 emergency period and for 180 days thereafter. During the forbearance period, the services may not assess, accrue, or apply to a borrowers account any fees, penalties or additional interest beyond the amounts scheduled or calculated as if the borrower made all required payments on time and in full. Civil code XXXX ( b ), XXXX ( c ). Thus the servicer will receive no interest or compensation for the delay in receiving payments that would have fallen due during the forbearance period. Today I called and spoke with a representative requested an extension and was denied saying that I needed 4 more payments to qualify for an extension. I went ahead and explained to the representative the civil codes in effect and he didnt care pretended he understood, but did not have any clue about what I was talking about and became dismissive. He stated he would submit a customer complaint. I also requested a copy of my contract signed by both parties. As of today I have not received a call back or a copy of such contract. I need some assistance in fixing this issue or continue with a claim agains them.
|
| 02/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
When I leased my vehicle I signed a contract for XXXX per year and at the end of my lease I was billed for XXXX per year so instead of owing XXXX XXXX I owed XXXX XXXX but my contract said I signed to pay for XXXX per year ... after looking over my contract I noticed that I have two copies one that says dealers copy and one that says leasees copy, none of the numbers match!!! I told the dealership this, they blew me off I told the titling company this and they said there was nothing they could do because they were just using the contract that XXXX XXXX XXXX had submitted to them. I showed my new dealership and they suggested I get a lawyer because the contract was messed up!! I never once missed a payment with them before and the lawyer that I had spoke to told me to try to negotiate with the company first. So even though the company had been XXXX XXXX, and very inconvenient over the phone and email, I decided it was best for me to drive there, even though its 2hours for me to get there ... I spoke with XXXX XXXX, and a guy named XXXX, and asked that someone from fianc would be available and if I would be able to see XXXX XXXX They both had said yes, and so at the start of COVID I drove out there to clear this up. The guy went in circles claiming the contract was clear as day but then claiming it make no sense that the numbers did not match on both copies, then told me I should not even have a copy of the dealers copy, I said why so I wouldnt know you were trying to get over on me?!? He then asked to have the copy and told me there wasnt anything I could do, I told him I wanted to speak to the XXXX he said he was the head of finance, and that he was sorry that I wasted my time driving out there. I told him I wasnt leaving until I talked to XXXX XXXX, and he said sorry he just left!! Then because of COVID my lawyer was not getting back to me! And I thought because of the pandemic it could have been postponed because I never once received a phone call or letter about the money after XXXX! Then when I called the titling company to make a payment I was told my account was closed. I thought maybe they had figured it out! Then I went to buy my house only to find they put it in as a charge off dropouts my credit over XXXX points!! This is ridiculous for me to be punished for their mistake, and I dont just have {$4.00} extra grand to pay a car company that filed paperwork wrong!! I had a credit score in the XXXX before and this disheartening especially in these times!
|
| 07/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
In XX/XX/XXXX, my brother XXXX XXXX went to XXXX XXXX with his ex wife. She was trying to purchase a car. The salesman ran her credit and said she was denied. So they asked XXXX how is your credit? He said I am not sure. They got his Id, information, and ran his credit and told him they can get him approved for a auto loan in his name only. They asked him about his income and if he had proof of income. XXXX got XXXX and get a SSI check for XXXX a month. His only source of income. After he helps out with the bills he barely has money for a haircut. He gets food stamps. If he was to get approved for a car it should have been a used car under 8000.00 and with a XXXX month car payment. XXXX is XXXX XXXX as well. He is XXXX. He was presented with a good deal as the salesman said. A brand new XXXX more money for the salesman ). XXXX XXXX XXXX. XXXX was financed for this car@XXXX month. No one considered a debt to ratio for his car payment. And XXXX a month for insurance. I research and called 2 attorneys and was advised XXXX never should have been approved for this car. His income should have been between 1500.00 to 2000.00 a month at least. But his is only XXXX a month. I believe he was taking advantage of because 1 he is a minority and they wanted to put him in debt. Knowingly his income was too low for a XXXX car payment. 2. He has a XXXX and XXXX. He probably didn't understand. We have tried to help him much as possible with these payments that never should of been approved. I don't know of anyone with a Income that low that gets approved for a brand new XXXX. I want XXXX XXXX and XXXX XXXX XXXX to make this matter right. If not we will seek legal advice and a attorney representation. Hyundai has damaged XXXX credit with reporting negative on his credit report. We want this revised to show good standing. We also want XXXX XXXX and Hyundai to refund all monies. XXXX was so depressed after he got this car. Worried about paying for it and keeping it. He ca. XXXX XXXX due to XXXX XXXX from his XXXX XXXX from XXXX. He went in XX/XX/XXXX and got a job. Hoping to keep his payments current. Stressed and worried from all the rude and consistent threatening phone calls. He got a job .but been so stressed out about his car on his 3rd day on the job he had a XXXX. Multiple XXXX, he been to XXXX. And is now on XXXX XXXX XXXX. Both entities play a part in his failing health. He never should have been approved for this car loan with his income. Please see attached documents.
|
| 09/24/2018 |
No |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
At the end of the my lease, there existed over mileage and minor damages to the vehicle. I was in contact with XXXX XXXX in an effort to settle the over mileage and also the damage. I was consistently told by Huyndai that there was no option for a payment plan available to me to cover these excess charges. My only option was that I had to wait until the account was sent to collection in order to make payment arrangements for these charges. I offered to make payments to Hyundai and they refused to accept them unless it was the full amount. I explained that I was not in a position to pay the full amount at that time, but would be able to pay it in full over the course of a period of time. Hyundai said to wait and deal with the collection agency. I waited until I received the information from XXXX XXXX, XXXX, they acting as debt collector for XXXX XXXX XXXX company and at the direction of Huyndai made payment arrangements with me. During all of my conversations with both Hyundai and XXXX XXXX, I repeatedly asked and was told that excess mileage would not be held against me on my credit report. All Lease payments were paid on time and in full. As of today, my credit report has been damaged, My father who was a co-signor on the lease has received a Release of Debt from XXXX on behalf of XXXX XXXX XXXX See attachment. He received this document after filing his complaint with the CFPB and the information was removed from his credit report. XXXX XXXX, XXXX, should also have sent the same information to me as I was a co-signor/borrower. The payments were paid as outlined by the Collection Agency for the over mileage and excess wear and tear. See attached comments from XXXX outlining all of the dates and payments made. Again I was told this would not appear on my credit report. Hyundai should be correcting my account as their agenct, XXXX XXXX XXXX told me that since this was for excess mileage and damage it would not be reported. If Hyundai had offer any type of payment option at the end of lease for over mileage or excess damage I would have made the payments directly to them. I would ask that my credit report be corrected and all delinquencies from XX/XX/17, XX/XX/17 ; XX/XX/17 ; and XX/XX/17 be removed from all three of the repositories listed under XXXX XXXX XXXX. I would also request that I receive a Release of Debt correspondence from XXXX Collection on behalf of XXXX XXXX XXXX and also a Release of Debt from XXXX XXXX XXXX as all payments have been paid.
|
| 02/01/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Dispute of Charge-Off, Down Payment, Credit Inquiries, and Removal of Hyundai Finance from Credit Reports Account number XXXX To Whom It May Concern, I am writing to dispute several issues related to my account with Hyundai Finance Company, as well as to request the removal of Hyundai Finance from XXXX and XXXX under Section 609 of the Fair Credit Reporting Act ( FCRA ). Furthermore, I request a cease and desist, and the release of vehicle titles and forfeiture of the vehicle contract.
1. **Charge-Off and Down Payment Issue** : I am disputing the charge-off status on my account, as I believe the down payment made was done so under questionable circumstances and may have been illegal under U.S. Code 1666a. I request a thorough review of the down payment transaction and the charge-off status on my account.
2. **Credit Inquiries** : My credit was run in remedy, as stated in U.S. Code 1662 and U.S. Code 1635. I was not adequately informed of this action, nor did I authorize the credit inquiries made on my behalf. I request clarification and resolution regarding these credit inquiries.
3. **Removal of Hyundai Finance from XXXX and XXXX : Hyundai Finance has been removed from my XXXX credit file, and I request the immediate removal of Hyundai Finance XXXX XXXX XXXX and XXXX credit reports under Section 609 of the FCRA. The inaccurate reporting negatively impacts my creditworthiness and financial standing.
4. **Cease and Desist Request** : I request that Hyundai Finance cease and desist all reporting activities related to my accounts. Please refrain from further reporting to any credit reporting agencies regarding my accounts, as it is my right to request such action under the FCRA.
5. **Request for Vehicle Titles and Forfeiture of Vehicle Contract** : Furthermore, I request the immediate release of vehicle titles associated with my accounts held by Hyundai Finance . I hereby forfeit the vehicle contract associated with the aforementioned accounts and request that Hyundai Finance take the necessary steps to facilitate the return and transfer of ownership of the vehicle ( s ).
I expect a prompt response to this letter within the statutory timeframes outlined by the FCRA. If you require any further information or documentation, please do not hesitate to contact me at Sincerely, XXXX XXXX
|
| 04/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
It is my belief that Kia Motors Finance ( " KMF '' ), a division of Hyundai Capital America ( " HCA '' ) engaged in illegal, high risk predatory lending behavior regarding my lease of a XXXX Kia Sorrento. This is a separate concern from my complaint regarding credit reporting and notices.
When I initially leased the vehicle my credit profile was highly overextended with all my accounts having balances at or near their limit and with multiple credit cards having been opened and used to their limit within the previous XXXX day period. I also had one vehicle already financed that was not to be traded or resolved as part of the financing. I believe this alone indicated an exceedingly high risk lending situation.
Despite my young age, a plummeting credit profile, and having another vehicle financed outside of the purchase, KMF indicated approval for the lease.
Believing purchasing was not a good idea I reiterated to the dealership to share with KMF my employment situation. I indicated I recently had my employment terminated with XXXX XXXX XXXX and that I may or may not be rehired into my position. The dealership advised they shared this information with KMF and that they felt based on my employment history that I could afford the lease and would likely find another job if needed.
Despite KMF having immediate knowledge that I was largely unemployed they approved the lease and added a clause waiving the need to verify my employment and income. I believe this waiver was added so they could avoid having to decline the lease. I believe this is a case of predatory lending as KMF had knowledge that I could not afford the vehicle and knew I did not have a worthy credit profile but proceeded with financing, regardless. The lease went through underwriting without any agents of KMF seeking to verify income, employment, available cash balances or my previous earnings. I was only required to sign the documentation and provide a government issued identification card.
Ultimately as a result of KMF providing me a lease they knew I could not afford the lease quickly fell into default ruining my credit profile. This lease was predatory in nature and the type of behavior seen here is unethical and illegal. I volunteered the vehicle back to KMF in good faith.
After the vehicle was in the possession of KMF, the errors and violations continued which are discussed in a separate filing. If KMF had followed normal lending practices this would have been avoided.
|
| 07/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My wife and me traded in our old vehicle XX/XX/XXXX, from XXXX of XXXX XXXX XXXX, and leased a new vehicle from the same dealership. At the time we traded in the vehicle we were due for our XX/XX/XXXX payment. We understand all payments are our responsibility to make, but when we trade in a car we expect the dealership to pay the old car off within a reasonable time frame. XX/XX/XXXX, I receive a call from XXXX XXXX XXXX stating our XX/XX/XXXX payment had n't been made. I advised XXXX XXXX XXXX that we no longer owned the vehicle and Kia of XXXX XXXX XXXX should have paid it off. I then call Kia of XXXX XXXX XXXX, to inform them the car has not been paid off. I also informed them that now my wife and my credit report reflects a 30 day late. Kia of XXXX XXXX XXXX, informed me that they will provide us a letter to send XXXX XXXX XXXX in order to have our credit reports corrected. I 'm sure Kia of XXXX XXXX XXXX is in some type of violation for not sending the payoff timely. Instead of providing the letter from Kia of XXXX XXXX XXXX to XXXX XXXX XXXX, I disputed the issue with the 3 Credit Bureaus at the beginning of XXXX. 2 of the 3 credit bureaus changed the 30 day late from XX/XX/XXXX to XX/XX/XXXX. My wife and me no longer owned the car as of XX/XX/XXXX, therefore we are not sure why we received a 30 day late, in a month we only owned the car for 11 days. One of the bureaus removed the 30 day late altogether. I called XXXX XXXX XXXX,XX/XX/XXXX and informed them of the issue. The lady I spoke with stated my account ( XXXX ) did not reflect a late payment. She then advised me to dispute the issue with XXXX XXXX XXXX and they will make sure the 30 day late is removed. I disputed the 30 day late with XXXX XXXX XXXX around XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX stating " The disputed information is accurate as reported. '' I called XXXX XXXX XXXX XX/XX/XXXX and inform them of the letter received. The lady ( XXXX ) that I spoke with, needs to be a manager if she is not already. She was so calm on the phone, she was able to keep me from going off on her, even though I my issue was not resolved and I hung up on her. XXXX stated that it was still our fault since we sign the contract that we will make all payments on time and that we need to have KIA of XXXX XXXX XXXX call XXXX XXXX XXXX to have the late removed. I 've attached all the documents I sent XXXX XXXX XXXX, which includes the letter from KIA of XXXX XXXX XXXX.
|
| 06/20/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
Began process of purchasing auto at end of car lease on XX/XX/XXXX. After repeated problems with Hyundai Motor Finance saying that that the forms were not complete, and resubmitting forms over a period of a month, XXXX website finally indicated that title was sent. Title was sent to wrong address.When I called back, I was told that it would be resent to the correct address, and that it would take about 20 days. When the title did not arrive and I called back, I was told that the title was NOT sent because the rep made a mistake and indicated that it was a retail account, not a lease. Her name was XXXX and she said that she would escalate the issue and that the title would be sent to the correct address. Request # XXXX was opened, and I was told that I would get a call back from a supervisor within three business days. When that did not happen, I called back again and spoke with XXXX, who said he was a supervisor. Did not know why I did not get the call back, and created what he called a " corporate '' escalation '' number XXXX. Said I would get a call back from a supervisor by XX/XX/XXXX. I continued to request to know when the title would be sent and to what address. I did not get a response to this request, and called Hyundai Motor Finance again on XX/XX/XXXX. The supervisor I spoke with said she could not answer my questions, and transferred my to XXXX, who indicated that he is a manager. XXXX indicated that my requested was closed on XX/XX/XXXX and reopened on XX/XX/XXXX, but could not tell me why it was closed and reopened. He also told me that my previous request ( XXXX ) was resolved, but that the title was not sent. He could not tell me what this outcome meant. I explained to him that my bank has sent XXXX letters requesting the title, and that they may consider the loan to be in default if the title can not be supplied within 30 days from XX/XX/XXXX. He said I could not speak to the title department, as they do not have phones (! ) and opened a new request, number XXXX. He told me to call back in XXXX business days to see if the issue is resolved! When I asked to speak with his manager, he said that that person takes care of bigger things, like the rent on the building, and does not speak with customers. I have been in contact with my bank on a consistent basis, so they know that I am having problems getting the title sent to me. Each time I call, I am told that the title is on file, but I can not get it sent to me. Please help!
|
| 10/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
In XXXXXXXX XXXX XXXX I leased the car from XXXX XXXX XXXX XXXX XXXX XXXX NY ). The leasing company would be Kia Finance, Account Number available upon request.
At this time, Kia Finance would be the title holder.
XXXXXXXX XXXX XXXXXXXX I had completed a lease buyout through XXXX XXXX, Account Available upon request.
I called XXXX XXXX customer service to request a duplicate title. They had told me that since XXXX received the title, I would have to request a duplicate from them/have XXXX request from the DMV.
Reached out to XXXX, they had advised that they never received the title. They suggested that Kia orders it. XXXX has never received the original title and had therefore not been able to file on my behalf.
Ive contacted Kia Finance multiple times and requested to speak to their supervisors. Neither the representatives or supervisors were willing to order a duplicate. Nearly every rep had said that since the title was sent to XXXX, they would have to put the request through.
This went back and forth for about three months. A supervisor at XXXX was in direct contact with me. She had believed Kia was going to request a duplicate from the DMV. This ended up never being requested and XXXX has not responded to my last three status requests.
Kia Finance has now refused multiple times to send me or XXXX a duplicate copy as they believe they are not the Title Holders.
Ive attempted to have XXXX XXXX Kia request a copy. The first time I went in, a representative gave me an Odometer statement to submit to Kia Finance. She claimed this would correct the title issue. Nothing was every confirmed to be received and no updates were made to my title.
I visited the dealership a second time and was told that since it was the end of the month, they were unable to assist me. I scheduled a follow up for XXXX.
When I went back in, the title/billing representative had said she would request the title from Kia Finance directly/her contact there. I followed up a week later as I didnt hear anything and was told that Kia Finance had not responded.
Ive reached out to Kia Corporate as well. That was shooed away and they did not seem to understand the situation.
I also had filed a complaint with XXXX XXXX XXXX and had just recently requested to keep the case open. Kia has never reached out to me regarding this.
File number available upon request I've now had to hire an attorney to draft a demand letter as well as file this complaint.
|
| 03/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
In XXXX of XXXX I received letters in the mail stating that I owed Property taxes on my car. The total of taxes owed was {$1800.00} for 3 years worth of back taxes. My car is leased so the company pays them directly to the town and then I pay them back with my car payment. I promptly mailed in paperwork showing that my taxes had been paid and I did not owe the money. A few months later I realized the charges were still on my account so I called the company and they claimed they never received my paperwork in the mail so I then proceeded to fax it to them on XX/XX/XXXX. They told me it takes 72 hours for faxes to be uploaded to your account so I called back a few days later and they claimed they had not received my fax. I then faxed the paperwork again on XX/XX/XXXX as well as sent the paperwork via certified mail on XX/XX/XXXX. I called back on Monday XX/XX/XXXX because I had gotten a delivery confirmation of my certified letter. They stated that none of my faxes had been received and my certified letter would take up to 3 days to be uploaded to my account. At this point I asked to be transferred to the escalations department. The lady then tells me she is not sure why none of my paperwork has been received, but she will send me an email from a secured email address that I can send my paperwork to. I sent the paperwork on XX/XX/XXXX and called back on XX/XX/XXXX. At this point they tell me they finally had received my paperwork a few days prior, however, they need more information because the secondary taxes that were put onto my account were from a different town than the one I had originally paid my taxes to, so essentially the leasing company had paid my car taxes to two different towns. On XX/XX/XXXX I faxed and emailed over more paperwork showing that I did not live in the secondary town and my car was insured and registered in the original town I had paid to for the past 3 years. I called back on XX/XX/XXXX and again, they told me they did not receive anything but to try and email it again. I then emailed the paperwork to them once more and called back on XX/XX/XXXX. On this date they told me they still had not received my supporting documents so I ask to be transferred to a supervisor. When he gets on the phone he tells me he is not sure why nothing is coming through and gives me another fax number to send my documents to. I tell him I will try to fax the paperwork again, but would also be filing a complaint at this point.
|
| 01/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
In the midst of the pandemic in XXXX, we returned our KIA lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. We advised KIA Finance by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be XXXX and there would be delays in receiving any paper mail while we were overseas.
We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from KIA Finance. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid. In any case, we assumed this letter would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by KIA FINANCE in XX/XX/XXXX per attached documents.
We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report.
We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked HYUNDAI KIA Motor Finance to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry.
We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
|
| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I hope this message finds you well. I am writing to seek your assistance in resolving an ongoing issue regarding the issuance of the title for my XXXX XXXX, which was paid off on XX/XX/XXXX. Unfortunately, my car was involved in an accident and deemed totaled on XX/XX/XXXX. In order to process the insurance claim, my insurance company requires the title for the vehicle.
I have been in contact with Hyundai ( Kia ) Finance on numerous occasions to request the title transfer, and I regret to inform you that despite my persistent efforts, I have not received the necessary documentation. I have made calls to Hyundai ( Kia ) Finance on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each of these interactions, I have been assured that my title was mailed to me ; however, to date, I have not received it.
Furthermore, I have encountered discrepancies in the information provided by XXXX ( XXXX ) XXXX regarding the date of mailing and the estimated time for receipt. For instance, during my call on XX/XX/XXXX, I was informed that the title was expedited and sent on XX/XX/XXXX, with an expected delivery time of 10 business days. However, when I called on XX/XX/XXXX, I was told that the title was actually mailed on XX/XX/XXXX and that it could take an additional XXXX weeks to arrive.
This situation has left me without a vehicle since the beginning of this year, as my insurance company is unable to process the claim without the title. I am facing significant inconvenience and financial strain due to the extended delay in receiving the title and the subsequent inability to settle the insurance claim.
I kindly request your intervention in expediting the process of issuing the title for my XXXX XXXX. Your assistance in resolving this matter promptly would greatly alleviate the difficulties I have been facing. I understand that administrative processes can sometimes encounter unforeseen challenges, but given the prolonged nature of this issue, I am hopeful that your intervention can help expedite the resolution.
I am more than willing to provide any necessary documentation or information to facilitate the resolution of this matter. Please feel free to reach out to me at XXXX or via email at XXXX.
Thank you very much for your attention to this matter. I eagerly await your response and hope for a swift resolution.
Sincerely, XXXX XXXX
|
| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
In XXXX of XXXX, I completed the final payment of my loan on a XXXX XXXX XXXX through Hyundai Motor Finance.
Hyundai Motor Finance has confirmed this loan payoff status.
I expected to receive the title in the mail within a month of paying off the car, as outlined by HMF. When I received no such mail, I called HMF. They indicated the title was still processing but should be sent out shortly.
In XXXX of XXXX, I called again. They told me that the title should be on its way.
In XXXX of XXXX, I called again. I was told the title was sent to a DMV rather than to me, and had since been returned to HMF. No explanation was offered as to why this was. They told me they would begin the process of creating a duplicate title to send out to me.
I called several more times, with no progress updates offered until XX/XX/XXXX, when I was told the it might take another month for the duplicate title to be created. They could offer no explanation as to why this process would take this much time.
I called again in XX/XX/XXXX, they told me the process was complete, and the title should be mailed out to me shortly.
I called again in XX/XX/XXXX, they repeated the same thing. The process was complete and the title should be mailed out to be shortly.
I called again in XX/XX/XXXX, and they repeated the same thing. I indicated that this was completely unacceptable and that I needed some assurance that this would actually be mailed out. They indicated that they were adding an escalation tag to the title release, and that I should expect to receive the title in the mail within 5 business days.
We are now on XX/XX/XXXX. I just finished calling them again, and was once again told that the process was complete, and they would be mailing it out shortly. Once again no explanation could be given for the delay. Once again they said they would mark an escalation on the account. At this point, I do not believe them.
We are approaching one year since I payed off the loan, representing 6 years of on-time payments. I have received numerous communications from HMF in the mail during the lifespan of the loan, so I am under no illusions that they have difficulty delivering mail to my address.
Given the decreasing value of the asset, HMF 's refusal to deliver the title within anything resembling a reasonable timeline has cost me real money, leaving aside the mental tole of needing to call them so many times only to get the same repeating non-answers.
|
| 09/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased my vehicle XX/XX/XXXX. The dealership submitted the incorrect county ( XXXX XXXX ) to DMV for taxes. I live in XXXX XXXX. XXXX XXXX sent Kia Finance a bill for {$770.00}. Kia Finance paid the bill and then charged my account for those taxes. I contacted Kia Finance several times in XXXX to make them aware i do not live in XXXX XXXX and this tax bill is incorrect. They advised they will submit to their tax department to resolve. In XXXX my statement still reflected the taxes. i contacted Kia finance again, this time i was advised they can not correct the error i need to call the county to correct. I contacted XXXX XXXX and they confirmed they deleted my vehicle from their system and DMV was updated to show my correct county of XXXX. They also confirmed they returned the refund to Kia finance. My XXXX statement still showed the tax bill from XXXX XXXX. I called Kia finance again and was advised i needed to submit my registration and an explanation of why i feel i am not responsible for the taxes. i advised them the refund was sent to them, however i kept being told they can not call the county to track down the refund and that i had to call. The county advised i am not the owner of the vehicle and therefore kia finance needed to call them to resolve. Mid XXXX i started to receive collection calls. instead of them contacting the county to find out where their refund was they starting applying my payments to the tax bill and therefore showing me as past due and calling me to collect. i spoke to several agents pleading with them to call the county to resolve with no one taking ownership to assist. I contacted the title manager at the dealership to help me resolve since they made the error on my tax locality, Kia finance refused to talk to her to resolve. Now we are in XXXX. up until a week ago i was still receiving collection calls. i spoke with a rep name XXXX. she put a hold on the collection calls while she submitted a request to the tax department to research. She called my Friday XX/XX/XXXX to inform me the tax department confirmed they did receive a refund check from the county yet it still has not been applied to my account and therefore my account is still showing past due affecting my credit. This is ridiculous that this has been going on for 3 months, with no resolve. There has been nothing but push back on me as the consumer to resolve an issue i did not create. it makes me not even want to keep the vehicle.
|
| 05/19/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
On XX/XX/2014, I leased a 2014 XXXX XXXX. My payment date was the XXXX of every month and that worked just fine for the first XXXXwo years of the lease but then my financial situation changed. I am retired from my full-time position and try to work part-time to supplement my Social Security and pension. I live alone and have no family so I have to be self sufficient. My situation changed and I needed to start making my payments on the XXXX of the month when I received my pension. I called XXXX XXXX XXXX and asked if they could change the due date so I wouldn't accrue late fees. They said they couldn't do it but the dealer could. I called the dealer and was told that the lease was generated by XXXX so the change had to come from them After that I called XXXX every month to ask them to work with me. I got hung up on twice and they always refused to work with me. I asked for a supervisor and was told they didn't have supervisors. As a result, I finally quit calling and just continued to pay my lease on the first every month ( paid it online ) and they continued to ding me with late fees. I never missed a payment.
When my lease ended I considered buying the XXXX but also looked at XXXX 's. I called XXXX to get the payoff and told them I was trying to decide between buying the XXXX or leasing a XXXX. When the payoff came out to be {$2700.00} MORE than the car appraised for, I went with the XXXX. One month later I got a bill from XXXX for {$840.00} -- -- - {$400.00} for a disposition fee and {$400.00} late fees plus {$47.00} tax on the disposition fee. I was completely unaware of a disposition fee as was the dealer. There was nothing on any of the lease end reminders and the lady I talked to about the payoff said nothing when she learned I might be leasing a XXXX. ( The disposition fee is charged if the customer chooses to not stay with XXXX ).
I called XXXX and explained that I am a senior citizen on a very fixed income and I was totally unaware of such a fee. I also explained that I had tried for over a year to get them to change my due date and no one would work with me -- -- they were just rude when I called and hung up on me twice. I asked if, under the circumstances, they would waive both fees as I don't have that kind of money. They won't budge. I am sick to my stomach over it and would like some help in getting the fees waived. It will take me years to come up with that kind of money. I will NEVER have another XXXX.
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This dealership XXXX Hyundai ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase onXX/XX/XXXX, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from Hyundai Motor Financing and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit.
After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
|
| 03/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Amortization schedule shows delayed payment.. I've been sending regular mail to Hyundai Motor Vehicle finance since XXXX!!
Never ever a problem XXXX XXXX XXXX.. XXXX Hyundai XXXX XXXX XXXX XXXX XXXX ... no problems ever mailing to.
Hyundai Motor vehicle Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX another new XXXX. no problem except for the Finance manager salivating excessive Greed when I refused warranties.
While signing the contract. By the way my XXXX hyundai XXXX trade in.. XXXX up sidedown. Added on to my new Hyundai XXXXXXXX XXXX contract. Geez ... thx?
3rd car purchase..
Never a problem...
Enter XXXX... missing mails? Delayed payment credit applying to principal.
Wasn't too concerned based on favorable Tenure since XXXX no alarm bells.
Enter XXXX...
Several more hiccups... numerous calls madr asking someone in the XXXX? Who doesn't disclose their Real Name about my missing or malfunctioning ..account credits.
Enter XX/XX/XXXX payment mailed...
Gone.. poof... now we're in XXXX XXXX
And still no payment received. So I mail XX/XX/XXXX payment...
And I file complaints online to uses and actually drove to XXXX post-office spoke w postmaster XXXX and XXXX XXXX.
XXXX XXXX payment artives.arrives.. 3 days later XX/XX/XXXX miraculous appears! @! Yeah right?
Wrong!
So I send XX/XX/XXXX payment certified mail.
Now I'm suspect of the receiver at XXXX XXXX XXXX XXXX XXXX XXXX. Well my payment arrives XX/XX/XXXX. At XXXXXXXX XXXX. Verified by XXXX manager at XXXX post office ( XXXX ) XXXX ... I also have copies of the certified Mail Receipts!!
Hyundai doesn't apply credit to my account til XXXX XX/XX/XXXX!!!!! Wow.
So now I went to XXXX XXXX XXXX where I have my checking account.
We discover Hyundai Motor Finance a ACH method of cashing the check... there's no paper trail. It's cloaked accounting on a simple interest loan..wow.. new and improved? Safe n effective.. lol..
I send a paper check regular mail for a purpose! It establishes a paper trail ... hello.. Check N Balance? Right? A paper trail!!! not some phatonm digital easily manipulated ... cause after many many years of good business.. I see a dramatic difference recently with this " ACH '' gimmick of no accountability. I have the paperwork and managers of the usps to stand by my accusations of bank fraud! Breach of fiduciary relationship. Bank manipulation of a simple interest loan by AcH cloaked accounting ... thank-you Sincerely XXXX XXXX
|
| 01/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
On a new car lease dated XX/XX/2021 with Hyundai XXXX, I made monthly payments and received written confirmation as follows, dated : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/XXXX. 2021 All payments were electronic transfers from my bank account ending in XXXX.
Beginning with the XX/XX/XXXX payment, all payments were completed with Auto-pay a Hyundai XXXX XXXX XXXX which I set up and received email confirmation dated XX/XX/XXXX.
On XX/XX/2021 I received phone call from an individual who stated they represented Hyundai XXXX XXXX Department who stated my account had been referred to for collection to a contractor XXXX XXXX who requested a large payment amount.
I knew my account was current and had been paid before the monthly due date since the lease began. For that reason I suspected the caller was a scammer, as the phone number did not show up as HyundaXXXX XXXX.
I asked to speak to a manager, and was connected with XXXX XXXX who stated XXXX was not in effect and the service was not available to me. She stated several late fees had been applied to my account. She also stated my bank had rejected payment on several of the auto-pays. I stated this was impossible because I have copies of all confirmations or receipt. I REQUESTED ALL LATE FEES BE REVERSED, and a written statement of their error.
Before the XX/XX/XXXX call, I had never been contacted by Hyundai XXXX ; not by email, nor my phone nor by a statement to my home address. I wrote a letter to Hyundai XXXX dated XX/XX/XXXX, disputing the handling of my account, and never received an response. In the letter I requested confirmation stating they made a mistake and that all late fees and credit reporting be immediately reversed.
After I ended the call, I checked my financial statement that are used for Auto-Pay but I did not see transactions on the dates shown on the confirmations I received from Hyundai XXXX XXXX
I consider this to be suspicious and predatory! I contacted the financial institution used for Auto-Pay, XXXX XXXX XXXX and met with the bank officer, who stated that not one electronic payments had been rejected. I gave the bank officer copies of all confirmation notices from Hyundai XXXX, and he immediately called Hyundai XXXX. He advised the rep that XXXX XXXX had not received nor rejected such amounts.
This dispute remains unresolved. I have since paid off the lease since I consider their tactics to be dishonest and predatory.
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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Summary of issue : I was sent a final remaining bill from KIA Motors in XX/XX/XXXX for {$120.00}. I paid the bill in full on XXXX XX/XX/XXXX. In late XX/XX/XXXX I noticed on my credit report of a potential delinquent account from KIA motors for {$140.00}. I contacted KIA and they stated it showed I paid on XXXX XX/XX/XXXX, but a stop check was issued on XXXX XX/XX/XXXX and they never received the payment. I asked them why they never sent a message or called me prior to reporting it as a delinquent payment. They had no answer for this. I paid the full amount " again '' plus the {$20.00} late fee for a total of {$140.00} onXX/XX/XXXX.
The stop check issue happened because 9 months ago my car insurance and bank " XXXX '' put a stop paymnet on my monthly payments to Kia because the leased car was totaled in a storm. XXXX and KIA were working out the payment issue to pay off the car. Both XXXX and KIA recommended putting a temporary block so no more monthly payments would be debited from my account since this car was totaled in the storm, unusable, and towed away by XXXX in XX/XX/XXXX. Unbeknownst to me XXXX made that stop payment permanent for all KIA transactions, hence why the XX/XX/XXXX payment did not go through.
I have had steller credit for decades and no missed payments, collections, etc. The KIA reporting is not indicative of my credit rating or credit history. I asked them to request to have it taken off my credit because it was a mistake, they refused.
I have spoken to KIA about this and they deemed the late payment to be valid, although they NEVER informed me the previous payment never went through. They did not give me a chance to rectify the situation, they only reported a delinquent payment. I have asked for a call back from a supervisor numerous times over the past year and never received a call. I have contacted all 3 credit agencies who refer me back to KIA to correct the issue. KIA will do/has done nothing to correct this. My credit score before all this was XXXX, after that one missed payment which I have never had, my credit score dropped to XXXX. This cost me thousands of dollars because I bought a home in XXXX.
KIA should have informed me of the issue before placing it on my credit report. I was never given a chance to correct the issue, nor even told they was an issue. Found out myself 3 months after the fact reviewing my own credit report, ridiculous.
Thanks in advance, XXXX XXXX
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| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/XXXX I attempted to contact Hyundai Motor Finance on at least 5 occasions, to only be hung up on at least 4 of those times by the agent. On the final attempt I was able to escalate my issue with a manager/supervisor to hear my issue, see below : I leased my vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was a XXXX month lease, set to end XX/XX/XXXX. When going through the lease process, I was informed that I would be making my payments for 36 months, with my final payment being due XX/XX/XXXX, and returning the vehicle XXXX of XXXX.
XXXX hit my family hard financially at the beginning of XXXX. I reached out to Hyundai Motor Finance to request a deferment of payments. XXXX agreed to defer my payments for both XXXX and XXXX of XXXX. It was explained to me that they would be adding 2 months to my lease term, to allow me to make up the XXXX missed payments from XXXX. I agreed. My original term was set to expire in XX/XX/XXXX, was now extended to XXXX of XXXX. To be clear, I was informed I would be using the XXXX extra months to pay my deferred amount, not take on an additional XXXX months worth of monthly payments as well.
I made a payment in XX/XX/XXXX, assuming this was to cover XXXX deferred payment from XXXX, and XXXX would be the XXXX payment. I made a single payment in XX/XX/XXXX. I received a bill in XX/XX/XXXX that indicated I owed a XXXX payment and also the XXXX deferred months from XXXX, totaling over {$1300.00}.
I was made aware that my XXXX deferred payments would be a replacement of the XXXX extended months, not in additional to the XXXX extended months. Based off XXXX 's math, I am now payment XXXX months of payments on a XXXX month lease.
In speaking with a manager today, they explained my thought process doesn't make sense and it doesn't matter what I was told over the phone, that this information was included in my letter that I received. I asked for a copy of this letter via email, to which I was told an email takes XXXX days. I asked for their manager as I needed this right away since my payment is due XX/XX/XXXX. The supervisor I was speaking with said there is no one else to speak with and I need to wait the XXXX days for the email. I advised this is unacceptable since my payment is due in XXXX week and need the supervisor or manager to walk me through the letter to better understand. The supervisor refused and indicated there's nothing she can do about it.
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| 04/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I have purchased a new XXXX XXXX from a local dealer in XXXX and sold the vehicle to XXXX in XX/XX/XXXX. XXXX sent a pay off check to Hyundai Motor Finance on XX/XX/XXXX and the check was cleared XXXX cashed out - {$11000.00} ) on XX/XX/XXXX but it was never applied to my account to this date.
I have called HMF a total of 5 times to get this resolved. The first time, they requested the check number, amount, and a copy of check back and front. I got them the information they requested. My account has not been updated to this day ( XX/XX/XXXX ). I spoke with a total of 3 escalation point managers. The first manager that I spoke to on XX/XX/XXXX was able to locate the check and requested it to be applied to my account because she found the check was applied to a non-existing account that was one number away from my account. She issued a ticket to correct the error but it was not solved until I called them again today ( XX/XX/XXXX. ) They made a mistake by putting one number wrong. They started calling me two times daily to tell me that I'm behind on the payment and charged me a late fee. I made one extra payment on the loan. They have cashed the the check and currently have the fund and still hasn't applied it to my account and I'm about to make the second extra payment to prevent paying another late fee and being forwarded to a collection agency as they told me that they send it over to a collection agency once late payment is older than 30 days.
I spoke with XXXX and they provided all the information that was related to the transaction and the account number on that check was correct. HMF made a mistake and hasn't admitted the mistake and instead they charged me a late fee.
There was absolutely no way that I could speak with someone who had information related to my account whenever I made phone calls. I had to go through from the CS person and asked to escalate the situation up as their ability to research the check was limited and was not able to solve the issue. I had to spend at least one hour each and every time I called them to get to someone who could even search what has been going on with my account. This company 's customer service system was just a nightmare lacking communication within their system and the inconvenience falls on the customers.
My personal note to the company - I have purchased a total of 5 new Hyundai vehicles in the past 10 years and will never do a business with them again.
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| 09/28/2019 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I was in a car accident and my XXXX leased XXXX was totaled. My lease was with Hyundai Capital Finance. On XX/XX/XXXX the account was settled with my car insurance, XXXX. I spoke with both companies to confirm that there was nothing else I needed to do and they both said everything was settled.
On XX/XX/XXXX I got a new credit report in which my score went down by more than 120 points due to an unpaid balance of {$1000.00} with Hyundai Capital Finance. On XX/XX/XXXX, I proceeded to contact the company to ask what this debt was about. The agent I spoke with informed me it was money my insurance company didn't pay originally. I asked this agent why they did not attempt to contact me before marking my account as negative on my credit report. The agent said that they sent a letter to an address I haven't lived in for the last two years. My follow up question was why they did not attempt to call, email me, or contact the co-signer of this lease, to which the agent responded, " That is not our policy. We just send one letter and if we don't hear from you we send it to our debt collector agency. '' I told her that no collection debt agency had attempted to contact me in regards to this debt, so how could they ruin my credit without ever attempting to contact me? She said she could not speak to the process, but that I could try to contact XXXX and XXXX to dispute the claim. On XX/XX/XXXX, I promptly paid the debt and sent out letters to both companies and one to Hyundai 's Dispute Center.
Now, XXXX and XXXX have updated the account as paid and did not take any action in regards to my dispute about not being properly informed of such debt. I called Hyundai Motor Finance again on XX/XX/XXXX and spoke with another agent. I asked him if I could speak with the dispute center because I do not believe it is fair that my credit went down over 120 points when I have never made a late payment in my life. He told me all I could do was contact the credit agencies, both of which have not done anything. I have not heard back from Hyundai 's Dispute Center I promptly paid my debt and if you look at my credit report, I have never made a late payment in any of my accounts. This decrease in my credit score will negatively impact the next decade of my life. As a law student, I depend on my good credit I worked for to get good interest rates with my loans. I have been diligent in my payments to make this possible.
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| 07/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX I spoke with a XXXX from Hyundai and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my Hyundais report.
On XX/XX/XXXX I contacted Hyundai at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from Hyundai stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late.
On XX/XX/XXXX I sent an a dispute to XXXX and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop 56 points.
XXXX I sent another dispute through XXXX and showed records that I am attaching here if able to show proof from my account at Hyundai, I was never late and they received all my payments every month and the XXXX payment shows received.
I feel that being turned down for credit because of the error Hyundai created and XXXX not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from Hyundai showing my payments received.
I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that Hyundai has created. I don't know where else to turn.
Thank you, XXXX XXXX XXXX XXXX
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| 01/25/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX NC to purchase a new XXXX XXXX XXXX. The loan was written with Hyundai Motor Finance and include GAP insurance. On XX/XX/XXXX I traded in the above XXXX XXXX XXXX and the loan was paid off in the amount of {$48000.00} on XX/XX/XXXX with no additional balances owed. I began contacting both XXXX XXXX of High Point and Hyundai Motor Finance to cancel the optional GAP insurance product to receive a prorated refund and I have not received any solution. Multiple emails ( 2 ) and calls/voicemails ( 10 ) were made or sent to XXXX XXXX beginning XX/XX/XXXX that went unanswered until XX/XX/XXXX, which is when I was contacted by XXXX that he could assist. I signed the required documents that day and the request was submitted. Contact History attached Both of these businesses have continued to play the telephone game with Hyundai Motor Finance knowing nothing about GAP refunds and each keep telling me to contact the other and I have since been told by XXXX at XXXX XXXX that the insurance has been cancelled however funds can not be released to me even though I am entitiled to the refund. I have been advised that they are waiting on direction from Hyundai Motor Finance on how to distribute the funds, however as of XX/XX/XXXX they have not received a response to their submission on XX/XX/XXXX. I inquired as to why no one has reached out to Hyundai Motor Finance and I was told that they are watching it in an online " portal '', I assume like watching paint dry. Neither company is doing their due diligience to ensure the refund is being provided to me in a timely manner which is creating harm. I was told by XXXX that the refund has to go back to Hyundai Motor Finance so they can then in turn return the money back to me however that has not been done. So I requested the check directly since the loan is paid in full and Hyundai is no longer owed any funds. I have technically paid the GAP to Hyundai Motor Finance in full and am due the funds directly. I am unsure as to why there needs to be funds sent to a loan that is now closed.
I have been told by other Hyundai dealerships that Hyundai Motor Finance does not handle GAP refunds at this time and should go back to the initiating dealer. XXXX XXXX seems to be the only dealership that is not aware and is making it difficult. I feel at this point they are hoping I forget and they can keep the money that is owed to me.
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| 08/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Hyundai Motor Finance. I had a 36-month lease that I paid on-time. I turned in the XXXX XXXX on XX/XX/XXXX and recv 'd a document from the dealership acknowledging the return - showing no additional amount due.
In XX/XX/XXXX, I start to get marketing materials for another lease/loan. I don't want another XXXX, so I recycle the papers. More materials come, more recycling.
I received an alert from my credit monitoring service stating a late payment has impacted my credit score. I look today & it's this lease I have paid in full. There is a {$420.00} fee charged to my account. I did not get any calls, any texts, any emails - nothing to let me know I had this amount due. The fee was added after I returned the car. The dealership did not tell me ; I left the showroom assuming I was free and clear. Apparently, Hyundai bills a fee to those who don't lease another vehicle with them. Seems like a penalty on an outstanding customer.
I looked on the website where I normally made my payment and NOTHING stated I was delinquent. I clicked around, saw my final payment, saw the lease paid out on XX/XX/XXXX - all looked satisfactory. I kept clicking ... clicking and then saw the fee.
I called Hyundai today and spoke with XXXX (? ) who gladly took my debit card payment over the phone. I paid the {$420.00} today ( XX/XX/XXXX ).
I asked about credit reporting. She said it would reflect as paid. I told her I did not know about this debt, already have another vehicle, and would like for this to NOT impact my credit since I have always been a great customer. She stated Hyundai had to report accurately and there was nothing she could do to correct it. She told me that I was 214 days past due! She told me I should have charged-off in XXXX! She didn't know why I wasn't charged-off so she put me on hold. When she came back, she said because they were closed in XXXX ( COVID-related ), everything had been pushed back 60-days. A charge-off! If I still had the XXXX XXXX, you can bet Hyundai would have tried to repossess it and not just charged it off. However, I don't have the collateral anymore, but I still owe a fee.?
I should not have been billed the fee. I feel it is a harassing tactic for additional business and revenue. Hyundai let it impact my credit and because I am no longer a customer of theirs, is unwilling to correct the credit bureau like I asked, although they now have their money ( {$420.00} ).
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| 01/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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I signed a 36 month lease agreement on XX/XX/XXXX for a new XXXX XXXX XXXX. Near the end of that lease, XX/XX/XXXX, I decided to purchase the vehicle. I followed the instructions as outlined for lease-end purchase on the XXXX XXXX XXXX XXXX XXXX I mailed a personal check for the buyout amount indicated and enclosed a requested odometer reading form with the check. I had not heard anything from them for a couple of weeks, so I called and spoke to someone through their call center. I was informed they had never received the odometer reading form and they could do nothing further until such time that they received it. As I stated above, I had already mailed in a completed paper odometer reading form included with my check on XX/XX/XXXX... ..they cashed the check, so I know they received the form even though they claimed they had not. I completed and uploaded another odometer reading form through their website and sent it in. They assured me it would only take a week to ten days for the check to clear the bank and the paperwork to be completed by their title department. Weeks went by and I heard nothing from them. In the meantime, I received an Illinois tax form for the purchase of the car. I signed it and sent it back. I also faxed the same form to them. Another call to XXXX, and I was assured that all necessary forms and signatures had been received and the title would be released and mailed to me within a week. That was nearly two weeks ago and still nothing. It has been 57 days since I began this process and still no title. I want to sell this car and I am unable to do so as long as they continue to hold the title. I will attach a letter from XXXX acknowledging the date and amount of the purchase. I researched the Web to see if there were other customer complaints about XXXX and I found numerous accounts which read as if I had written them myself. Exact same complaints. Necessitating filing with the XXXX and CFPB in order to secure their titles. Their buyout process is unnecessarily burdensome and protracted. Any other vehicle I have paid off through a lending agency like a bank has provided me with the title within two weeks. I feel helpless. Repeated calls to an offshore call center has gotten me nowhere. There is no phone number listed for their title department. Please help me get my title!!!
Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Customer Service Dept XXXX
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| 01/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
Older American, Servicemember |
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To whom it may concern. We purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX dealership located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX The phone number is XXXX XXXX on XX/XX/XXXX. I owned a XXXX XXXX before and loved it and we are enjoying our latest purchase. However, the Sales Manager is the one who closed our deal. His first name is XXXX. The Finance Manager is XXXX XXXX XXXX. The deal was we traded in our XXXX XXXX XXXX with only 30,000 miles on it and XXXX and I, ( XXXX ), agreed in addition that we would pay another {$4200.00} and shook hands. He told me that in order to get the best deal, we would have to actually finance {$7000.00} and we would get {$2800.00} back once the loan was funded. Thus, is the agreed upon price of {$4200.00}. According to XXXX, the loan was actually funded on XX/XX/XXXX. We received a check in the mail on XX/XX/XXXX for {$2600.00}. I immediately called XXXX to inform him that the check was {$200.00} short. He acknowledged there was an error on their part and would contact the corporate office who issues the checks of the error and have them issue us another check for the {$200.00}. He told me that if I had not received it by Wednesday, XX/XX/XXXX to call him. I actually gave it till Friday, XX/XX/XXXX. He told me there were steps the dealership could take to find out what the problem was and would call me back that afternoon. He did not. I have called him multiple times and so has my husband and have also left messages with XXXX the Sales Manager and to date, neither one of them or anybody else has returned any of my or my husband 's calls. I am attaching the document that they call a " We Owe You Owe '' stating the above information along with the check stub of the amount we actually received. We are incredibly upset what this dealership has failed to do. And I have no other recourse unless I want to file in small claims court. This could cost me more that I am already out. This is totally unacceptable and should be rectified immediately. I am making my payments to XXXX XXXX. If I owed money and did not repay it, I would be turned over to collections and have my credit rating ruined. I am appealing to somebody, anybody to handle this asap. We would both appreciate some intervention. For a dealership as large as XXXX XXXX, I can't imagine that this situation would be tolerated. Thank you for your time and attention in this long over-due matter.
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| 01/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I leased the new XXXX XXXX XXXX on XX/XX/XXXX and returned it on XX/XX/XXXX after struggling to return the car at the end of its lease, as nearby XXXX dealers refused to accept any Fuel Cell car ( XXXX ). I then bought the new XXXX XXXX XXXX on XX/XX/XXXX. As per XXXX 's loyalty offer, the end of lease vehicle return fee and excess wear fee ( which can be up to {$500.00} ) was to be waived as I bought a new XXXX car. Although the end of lease return fee was waived, I was billed for {$230.00} for excess wear. After receiving the bill from Hyundai Finance, I reached out to them explaining the whole situation, and the representative in each call assured that it would be fixed and I wouldn't need to worry about the bill, but I received the same threatening bill again stating that it would be referred for collection if I failed to pay. The latest bill that I have received to date was on XXXX XXXX, and when I called Hyundai Finance in XXXX to pay the bill ( so that the bill would not be referred for collection ), the representative at Hyundai Finance stated that there was no outstanding so I wouldn't need to pay anything. On the following week, I again received a call from Hyundai Finance, claiming that I still owed Hyundai Finance {$230.00} and that it would be sent for collection if I failed to pay. So then I shared my conversation with a Hyundai Finance representative who confirmed that I don't have any outstanding bill to be paid and he would be sending the letter in this regard via email, which I never received. This time again, the representative confirmed that it was some internal fault and their request for waiving excess wear charges was not submitted properly in the system which she has now submitted and the account is clear now.
The same day when I was checking my credit score, I found that my credit scored has been lowered to XXXX from around XXXX. This is the height of mismanaging the customer 's account leading to lowering my credit score. In this whole process I have gone through a lot of mental agony and pain and due to this act by Hyundai Finance I lost my mental peace which has also affected my day to day life. On part of Hyundai Finance, they repeatedly miss-managed my account and did not care to fix the fault in their system even after my requesting several times. Consumers ' trust will be compromised if these kinds of companies are let go without heavy penalties.
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| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I am experiencing trouble with Hyundai Capital America, and in particular with my Kia Finance account. Within the last 2 years I have opened up lease agreements with this company for XXXX XXXX model year vehicles. I received a letter from them in XXXX of XXXX informing me that I had an outstanding balance against both of the vehicles that I have leased with them, due to taxes levied by my state. I have no issue with this, this is expected in the case of a lease. This was the first notice I received because both vehicles are set up with AutoPay so I do not check their website regularly. Within 48 hours of receiving the notice in the mail, I logged into my Kia Finance account and attempted to initiate payment. I thought I was all set and the payment was due to be processed. Then, to my surprise I received another letter in XXXX of XXXX informing me that both vehicles still had an outstanding balance. Apparently on the first attempt, both payments failed to process, I believe because of issues with their web portal. When I attempt to log into the web portal now I have something like a 30 % success rate using a standard XXXX PC and a Chrome browser, which is not the performance I would expect from such a large company. In any case, I logged back into my web portal in XXXX of XXXX, saw that it was indeed reporting a balance, so I scheduled payments for both vehicles again. In this case, it would appear that payment for only XXXX vehicle was processed The next communication I received in XX/XX/XXXX was from the collections department telling me I was delinquent and that the delinquency had already been reported to the agencies. I checked on the account, contacted customer service and had them process payment over the phone. I then checked on my autopay status, saw that it claims autopay will pay the " Amount Due '' and brought that up as a complaint with them. I also sent a letter to their dispute department and the process was not followed as described on the phone.
I submitted the above complaint to the XXXX and was contacted by Hyundai Finance America and told that this is just how their payment system works. I maintain that if it is represented on the website that I will be charged the amount due, then there should be no issues with delinquent payments. If they want to change the language on their website then in the future people might not be in the same situation I was in.
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| 04/20/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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* problem : Kia Finance does not acknowledge my property tax exemption for a leased vehicle and is reporting me as delinquent to the credit reporting bureaus.
FACTS : * In XX/XX/XXXX, with my permission, my wife used a power-of-attorney to lease a XXXX XXXX XXXX while I was on an XXXX XXXX XXXXXXXX.
* Between XXXX and XXXX, XXXX repeatedly paid vehicle property taxes on my behalf and then informed me that I had to pay them back.
* Under Virginia law, my military status made me eligible for an exemption.
* So each time, I asked XXXX to provide me a copy of the tax bill so that I could contest the taxes.
* Each time, XXXX failed to provide me a copy of the tax bill, instead sending me a printout of their computer screen saying I owed taxes.
* ( One year between XXXX and XXXX, my wife paid XXXX for property tax without my knowledge, just to get XXXX to stop bothering us. ) * But each year thereafter, I continued refusing to pay XXXX the taxes until I received a copy of the property tax bill.
* I continued to make each normal monthly lease payment.
* Eventually, XXXX began applying my monthly payments against the taxes, and notifying me I am delinquent on my monthly payment.
* XXXX also began reporting the alleged delinquency to the credit bureaus.
* In early XXXX, I gave up on XXXX.
* I went to the XXXX XXXX, VA, government myself.
* XXXX XXXX, VA, denied my requests for archived copies of the tax bills.
* However, a nice person there walked me through an alternative way to prove my tax exemption status.
* I provided copy of this tax exemption paperwork to XXXX and requested the following : 1 ) written acknowledgement of my tax exemption between XX/XX/XXXX and XX/XX/XXXX, XXXX ) reimbursement of past property taxes my wife and I paid to XXXX but should not have paid, 3 ) correction of my payment records to reflect no delinquencies on my monthly lease payments, and 4 ) immediate correction of XXXXXXXX XXXX reporting to the credit bureaus so that I can close this vehicle lease in XX/XX/XXXX without issues.
CONCLUSION : * As of XX/XX/XXXX, XXXX has failed to respond to my requests.
* This lease ends on XX/XX/XXXX.
* If these issues are not corrected by XX/XX/XXXX, my financial credit standing will be in jeopardy.
* ( I XXXX from the military on XX/XX/XXXX. So, between XX/XX/XXXX, and the end of the lease on XX/XX/XXXX, I know I am no longer tax exempt. )
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| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a lease with Hyundai from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from Hyundai Motor Finance ). HMF then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). Hyundai Motor Finance claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that HMF would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that HMF broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one.
HMF also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called HMF ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call HMF indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. HMF informed me that they would escalate in order to process the lease extension paperwork since it was their mistake.
HMF then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. HMF has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed.
I have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by HMF I will be pursuing legal action and enforcing my rights under consumer law.
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| 07/25/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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2016 Hyundai leased through Hyundai Finance was involved in an accident in XX/XX/XXXX. It was declared a total loss by the insurance company, who sent a check for the total cash value of the vehicle, less a {$500.00} deductible as expected.
All Hyundai leases include gap insurance that is advertised to cover the difference between the value of the insurance settlement and the payoff amount, including the insurance deductible up to {$1000.00}.
XXXX XXXX XXXX offers a description of the coverage.
I had also made the lease payment for the month of XXXX prior to the date of vehicle loss, and am expecting that to be refunded.
I received a letter in XX/XX/XXXX with a summary indicating that I was liable for the {$500.00} deductible. I called Hyundai Finance asking for an explanation why they charged me for deductible since it is covered by their gap insurance. They said they would get back to me with an explanation. I did not receive any correspondence or calls since then and assumed it was settled.
Today I noticed a decrease in my credit score. I pulled copies of my reports and found that Hyundai Finance had listed this lease account as closed with a {$290.00} charge off.
The account should be credited for the {$500.00} deductible and the {$200.00} over payment refunded to me. The false charge off needs to be removed from my credit reports.
This is the quoted referenced text from the Hyundai Finance gap insurance description : Our GAP is the best way to avoidgaps.
If your car is totaled or stolen, it can be a devastating experience, especially if you're still making payments on it. And to make matters worse, the amount your insurance company pays in the event of a total loss may be less than the amount you still owe. This, plus your deductible, can create a significant gap between what your insurer pays and the amount you owe on your vehicle. Our Guaranteed Asset Protection ( GAP ) waives the difference between your primary insurance settlement and the outstanding balance on your vehicle 's financing, subject to terms and conditions of the program.
GAP helps cover the difference Hyundai Protection Plan GAP protects you with these value-added benefits : Available on loan amounts up to 150 % of your vehicle 's MSRP, up to {>= $1,000,000} Covers your insurance deductible up to {$1000.00} ( not available in all states ) Waives covered losses up to {$50000.00} :
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| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Complaint against Hyundai Capital America, Account # XXXX To Whom It May Concern : This letter is to dispute the inaccurate and negative information Hyundai Capital America ( XXXX ) furnished to the three ( 3 ) Credit Reporting Agencies ( CRA ). Hyundai Motor Finance violated my Fair Credit Reporting Act ( FCRA ) rights which are listed below.
1. FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) 2. FCRA 623 ( a ) ( 8 ) ( E ) and 623 ( b ) ( 1 ) ( E ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) and ( b ) ( 1 ) ( E ) 3. FCRA 623 ( a ) ( 6 ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) 4. FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ) HCA is reporting my account as being charged off instead of account closed. Traditionally charge-offs occur when a customer is at least XXXX days late paying their bill. As you can see from the payment history provided, I have never been 120 days past due. Lastly, there is no indication that XXXX sold this account to a debt buyer or transferred the account to a collection agency. If so, I would have been made aware by the collection agency that my account was delinquent and given an opportunity to resolve the matter. This did not happen.
XXXX is reporting that the 1st day of delinquency is XXXX. This is inaccurate! Based on my payment history, all payments were made consistently each month. Enclosed are bank records and Hyundais monthly statement showing that I made a payment in XXXX and XXXX.
On XX/XX/2023, I sent a dispute letter to all three ( XXXX ) credit bureaus informing them of the inaccurate information that was placed on my credit report. XXXX updated my credit report, which still reflects a charge-off and a false delinquency date.
It is my hope that after your investigation : XXXX. My XXXX account will reflect a closed account instead of a charge-off, and XXXX. The delinquency date be removed, and all payments updated to reflect paid on time.
XXXX has a grave responsibility to report true and accurate information on a consumers credit report. The inaccurate reporting charge-off has lowered my credit score and decreased my credit score and buying power. I am in arbitration with XXXX because they have violated other laws as well. I have attached a detailed timeline for your reference, which will provide you with more context.
If you have any questions or concerns, please feel free to contact me via email or my cell at XXXX.
|
| 01/12/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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In XX/XX/XXXX I leased a car with XXXXXXXX XXXX in XXXX, NY ( 3 year lease ). In the winter of XX/XX/XXXX I started receiving calls from XXXX XXXX offering me the opportunity to turn my lease in early. XXXX XXXX kept on calling me until finally ( in XX/XX/XXXX ) I went in to listen to the offer. Before even attempting to listen to the car salesman, I asked if I would be required to pay any money ( at all ). The man insisted I would not. The car I was turning in was way under the mileage amount and there were no damages to the car ( besides a few stains on the seat which I absolutely would admit to ). When all was said and done, I turned in my lease and exchanged it for a new lease. I decided that I would come back to exchange the cars due to the fact that I needed to clear items out of the trunk. I returned to exchange cars and, again, asked the salesman if everything was set and done. I asked if the car is okay and all set, and the man insisted " yes yes everything is taken care of. '' Like I should have imagined, it was n't. In the summer of XX/XX/XXXX I received a bill. I called XXXX XXXX XXXX requesting a rundown of this bill. The man on the phone could not tell me what I was being charged for and someone said that they would call me back. No one ever called me back. In Fall of XX/XX/XXXX I received a bill from a credit reporting agency. Hyundai had sent the bill to a XXXX XXXX XXXX. I went into Hyundai demanding to know why I owed the money. The manager of XXXX XXXX claimed upon inspection the car had damages totaling to such a large amount. They also mentioned some kind of fee in which I am required to pay because they did not get the amount of money that they wanted at auction. I told them that I am not paying this bill due to the fact that this inspection was done with none of my input and out of my sight. As well, I was not informed of other fees even though I consistently asked if there would be other fees. Furthermore, even though XXXX XXXX XXXX sent this bill to collections, they are still reporting it as late EVERY MONTH on my credit report. I am taking them to small claims court but I also need something to be done about the reporting that they are doing. It is not right and they participate in predatory practices and underhanded transactions. They preyed upon individuals and when all is said and done they do n't do anything to assist you.
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| 10/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
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1. My vehicle was hit in XXXX XXXX, 2020 and declared at first " Total Loss '' by the hitter 's insurance company, XXXX XXXX. However, I and the insurance company agreed later that my car could be fully saved after repair simply because the damage occurred to trunk only and the mechanical function was never affected by this accident. Therefore, the insurance company paid all repairing cost and the repair was completely done in XXXX. I also achieved the certificate of no mechanical error from the California State government-designated mechanics.
2. I contacted the California DMV to renew the registration in May, but they said my car was still in salvage status that the Hyundai Motor Finance ( HMF ), the lender for my vehicle, should cancel salvage. The DMV also wanted me to bring a copy of title or lien.
3. From XXXX, I have contacted HMF and they did not know how to handle this request from DMV. Their insufficient understanding of job knowledge dragged this problem until XXXX. Finally they wanted to receive the cancelation notice of total loss from the insurance company, XXXX XXXX and so XXXX emailed this notice to HMF 's total loss department on XXXX, 2020. Despite numerous contacts with HMF 's customer service which has required 30 to 90 minutes each time, they answered their computer did not show the receipt of notice and so wanted again another email from insurance co. The insurance company again sent an email to total loss dept. of HMF on XXXX XXXX. The insurance company always forwarded me their emails.
4.Since XXXX XXXX, I have contacted the customer service five times to check if their total loss dept. received the notice from insurance co. However the customer service staff and their supervisor as well again did not know what was going on with their total loss dept. saying apology and asking to wait one or three days or a week. On XXXX XXXX, the supervisor, XXXX, wanted the insurance co. to fax the cancelation notice to their total loss dept. I repeated this ridiculous action asking the insurance co.to send again notice by fax.
5. Due to failure to respond this simple request on time, the Cal DMV accrued the penalty. And I even was not able to drive this car since XXXX.
That's why I sincerely look forward to the CFPB 's help in dropping the salvage and covering the loss of my time and DMV 's penalty by Hyundai Motor Finance.
Thanks you.
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| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
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| 12/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX I went to XXXX XXXX in XXXX, PA to evaluate my XXXX XXXX XXXX that I am currently leasing it in order to determinate the equity on the car. Due to the maturation of this lease, I was getting ready to replace my ending lease with a new lease ; I choose a XXXX XXXX XXXX XXXX. They did all the paper words, I signed my application and their process begin. I check my credit report and I saw two Hyundai Finance inquiries, on my previous two lease I notice that they uses to do two inquiries, so, didn't surprise me. That day, they couldn't finalize all the paper word with their bank, so, they asked me to come back next day to finish with that and exchange my XXXX XXXX for the XXXX XXXX. On XX/XX/XXXX morning time, I returned a phone call from the dealership ; they stated that I have an outstanding balance with Hyundai from previous lease. I explained to they that I paid the Hyundai Finance already on XX/XX/XXXX. Then they started to question me about a loan that the saw on my credit score. Long store short. They said that they will call Hyundai Finance regarding the outstanding balance. When I hanged out, I did called Hyundai Finance directly. I told them what XXXX XXXX in XXXX told me about my old lease outstanding balance and they said that I was in good standing with previous and actual lease that they don't know where they got that information with an outstanding balance because that not what they see on their end. I asked for a copy of my pay off letter which was sent it to me right away. Once I get out off work, I passed by the dealership, I showed them my payoff letter and let them know I wasn't interesting in the XXXX anymore. They weren't happy about that, specially when I remind them that they are more dealership out there. Next day, XX/XX/XXXX. I received ten new notification from my credit wise about XXXX new inquiries. I thought, It must be a mistake, I called each of those inquiry company which each stated that they received credit application on my behalf from Hyundai auto but it was after I decided to don't go forward with the lease renewal. My understanding, they just want to show their power of making sure I won be able to get a car with another leadership for a while just because this minority old lady refused to take their car after they admitted that they were wrong about an outstanding balance and that annoy them.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/XXXX - I paid for a lease with Hyundai, upfront and in full. The agreement was for me to owe {$0.00} for the life of the lease. The attached contract and receipts show this was paid, including an additional cash amount corresponding to the turn-in fee.
XX/XX/XXXX - 35 months went by and the lease was nearing the end, so I turned in the vehicle. At this time, the representative confirmed the vehicle was in good condition and the lease terms were completed. So I purchased another vehicle through the dealership.
XX/XX/XXXX - 9 months after finalizing the lease, I was charged a fee since I didnt purchase a XXXX XXXX turning in the vehicle. Of course this was a mistake since I wasn't informed of the fee when turning in the vehicle and also because I have documents proving this was already paid over 44 months ago. So I started the process to get this corrected.
XX/XX/XXXX - Hyundai was initially unresponsive, as this occurred during the pandemic. But even though it was difficult to connect with a representative to correct their error, I immediately started getting late payments applied to my credit reports.
XX/XX/XXXX to XX/XX/XXXX - I continued trying to work with Hyundai to encourage them to abide by the contract. They refused. Then I started working with the credit reporting agencies to have false blemishes removed from my account. They simply asked Hyundai if they were accurate, to which Hyundai confirmed they were, and so no changes were made. All of the credit reporting agencies completely ignored the consumer, the contract, receipts and other documentation, and instead simply took the word of the creditor. As a consumer, all of my rights were taken away.
XX/XX/XXXX - I ultimately gave up and just decided to pay the erroneous bill in order to have this removed from my credit report. So I paid the fee for a second time! Unfortunately this was never removed from my credit report. My score plummeted XXXX points based on this single, false record. And my hands are tied - there's nothing I can do to prevent Hyundai from keeping these false records on my report and destroying my business.
PLEASE HELP. AS A CONSUMER, I DID EVERYTHING RIGHT - MADE 3 YEARS OF PAYMENTS UP FRONT, PAID A BOGUS FEE TWICE, TURNED IN THE VEHICLE ON TIME AND IN GREAT CONDITION. I'M A PERFECT CUSTOMER, YET SOMEHOW THEY ARE STILL ALLOWED TO DESTROY MY LIFE!
|
| 07/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Issue is with XXXX XXXX XXXX, specifically XXXX XXXX in XXXX, Ohio.
Had a 3 year lease ( XX/XX/XXXX - XX/XX/XXXX ). Turned car into a local Hyundai dealership in XXXX because they said they're the same company ( XXXX XXXX XXXX and XXXX XXXX XXXX ). Never received a bill or communication from XXXX after that point. At this point all of my communication with XXXX XXXX was through paperless billing ( email ) or mail to my then and now current address ...
XXXX XXXX XXXX, XXXX, OH XXXX ( Skip ahead a year ) My girlfriend and I applied for a mortgage and were declined because my credit score was in the 620s. When I leased my current car and turned the XXXX in ( XX/XX/XXXX ), my credit score was in the 720s. Our mortgage lender told us I had an unpaid bill from XXXX so I contacted XXXX XXXX. They had charged me {$60.00} for wear and tear, which is completely acceptable. But they also charged me {$450.00} for a " re-stocking '' fee. I believe that is the terminology they used.
We can obviously debate how scam-like a concept that fee is but that's not the issue. I paid the fee as soon as I learned about it in XX/XX/XXXX. Idiotic but whatever it was probably in the fine print.
The problem was that they charged me a fee, never told me about it and sent it to collections twice without me ever knowing, for a year. And that is what killed my credit score and my specific issue. I have not been able to get a credit card since and build my credit back up because of it so I'm asking for help in dealing with XXXX XXXX, and that specific " ding '' on my credit report.
When I spoke with XXXX they said all of the communication had gone to my original lease address ( 3 years prior ) ...
XXXX XXXX XXXX, XXXX, Ohio XXXX ( I think this is accurate ) ... and even though they had my current address had only sent mail to the one they knew I was no longer at. They also could have easily communicated with me through email since I was registered for wireless billing. Essentially from my standpoint, they billed me something outrageous for no reason and then compounded it by knowingly sending the only communication to and old address I would never receive.
After immediately paying the bill, XXXX XXXX told me they would sending a letter to the credit bureaus explaining the issue so I wouldn't be screwed by their negligence but that apparently never happened.
|
| 11/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
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Web |
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I XXXX : XXXX reached out concerning a transaction between XXXX, XXXX XXXX XXXX dated XX/XX/XXXX involving note and security deed and secured by residential property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee, XXXX, on XX/XX/XXXX.
The letters I sent were to inform KIA MOTORS FINANCE/ KIA FINANCE AMERICA XXXX that I am exercising my right to rescind this transaction due to a breach in contract which deemed to be null and VOID at the time that the transaction had taken place due to the lack of FULL delivery of all material disclosures that are relevant to the plan.
Upon reaching out dated XX/XX/XXXX, in response to my letter mailed and dated XX/XX/XXXX. In my letter dated XX/XX/XXXX, I disputed the Alleged {$16000.00} debt that you are attempting to collect. I additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights to request a verification under the FDCPA. I requested a copy of a signed contract. I also requested that you delete any and all reporting made to any consumer credit reporting agencies. You have clearly failed to address my very specific legal request to RIGHT OF RESCISSION, CEASE AND DESIST delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false, and KIA MOTORS FINANCE/ KIA FINANCE AMERICA are in clear violation of the FDCPA.
KIA MOTORS FINANCE/ KIA FINANCE AMERICA failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of KIA MOTORS FINANCE/ KIA FINANCE AMERICA sending me a signed contract of agreement signed by all parties involved as requested, KIA MOTORS FINANCE/ KIA FINANCE AMERICA mailed me a ( Re : Request for Information about Your Account ). ( Re : Request for Information about Your Account ) is NOT a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Also, my personal information was released without my consent or knowledge to a third party.
|
| 08/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
|
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After the lease ended, we decided to purchase the car. We refinanced the car with our local credit union on XX/XX/2019. A few weeks later, the credit union reached out to say that they did not receive the title. I first reached out to Hyundai, on XX/XX/2019 via the internet. I was requested to follow up via the phone. I called XX/XX/2019 to ask about my title status. After being on hold for over 1/2 hour, I was told it was because the odometer statement was never submitted to them. ( They never sent an odometer statement in the first place. ) So they agreed to send it to be docusigned. The statement was signed and sent back to them. I called the following day to verify if they received the document. They told me that they couldn't verify it because it hadn't been three days yet, so to call back. At this time, I asked that the bill of sale be sent as well. They said that they could email that to me. I called back after 4 days ( I gave them an extra day ), They said that the document signed didn't work because they accidently clicked a box on the form that they sent me. ( There was no followup from the company to me to let me know this. ) The form was signed again and sent to Hyundai. We requested that they send the title and bill of sale at this time as well. They promised that the title would be released within a week and the bill of sale would be mailed and we would get it within 5-10 business days. We received the title release as of XX/XX/2019. We further waited the end of the 10 days, with no bill of sale from Hyundai. We called again and were told they would email it to us within 5 business days. At this time, we verified the email address again. 5 days has passed again and we have not received anything. We called again today and they said they would have it to us within 3 days.
They received our payment at the beginning of XX/XX/2019. It has now been two months, of dealing with this company with no results. Within our state, we have 30 days to register and pay our sales taxes. I can not complete this without the bill of sale on the vehicle. That window of time has passed and every additional day we are charged interest and penalties on the taxes due.
We ( my husband and I both ) have spent an exorbitant amount of time ( hours ) attempting to fix this and Hyundai seems largely unconcerned with helping us resolve this issue.
|
| 09/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
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Web |
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Back in XX/XX/XXXX, when the Corona Virus outbreak began, I heard that Governor XXXX XXXX was offering an assistance program to help families who are experiencing financial hardship due to COVID-19. I had contacted HMF and requested payment assistance with my loan and I asked them to extend the term of my lease agreement. This is because I had lost my job on XX/XX/XXXX and because I spent a lot of money paying them {$600.00} on XX/XX/XXXX for property taxes which is a large sum of money with my low unemployment income. I am leasing 2 cars, a XXXX XXXX XXXX and a XXXX XXXX XXXX for a total lease cost of : {$460.00}. HMF had agreed to delay payments for one month and they told me in order to keep getting assistance, I should contact them every month. After the first month of assistance, I did not call back, as my financial situation stabilized enough for me to make payments. After a period of about 2 months, On XX/XX/XXXX, one of my vehicles had been towed. When I had contacted HMF, they had told me that this happened because I was 3 months past due on my payments. Prior to this, I had auto pay set up from my banking account. Since I had asked for financial assistance, instead of postponing my auto pay, they canceled my previous agreement completely, and left me unaware that my autopay was no longer active. There was no urgent email or mail, informing us that our payments were past due. I agreed and I paid a total of {$1400.00} for two months of payments for 2 cars. I was charged a late fee totaling {$59.00} for 2 cars.
Since I was late on my payments, HMF charged me an additional miscellaneous charge of {$420.00}. They also destroyed my credit. On top of these extra charges, I spent {$370.00} for towing. This made things very difficult for my son since he was unable to work because his car was towed. This caused a lot of financial problems, ones we would not have if it werent for HMF.
I believe that this situation is only HMFs fault because they didn & # 39 ; t give me full information from the beginning, and they didn & # 39 ; t contact me by email or mail. HMF is abusing the corona virus situation by forcing excessive charges on people who are struggling. Hyundai Financial Department is very unorganized and uneducated. Management is very rude. I & # 39 ; m leasing my 2 cars for 2nd turn with HMF, but this will be the last one.
|
| 05/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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I call Kia Finance at the end of XXXX, I was told I could defer 3 payments due to the affect of the corona virus, I would need to call a few days prior to the payment due date each month and put in the request. I requested for the XXXX payment to be deferred which I was told was approved, however the finance company proceeded to put the payment through my bank and the payment was returned since the funds were not available which was the reason for the deferred request in the first place. I called Kia Finance and spoke with a representative who stated that when I originally called for the deferral the rep should have taken my account off of auto pay, she then stated that she would refund the fee 's associated with the transaction since the deferral was approved. I called again in XXXX at the end of the month prior to the due date and requested the deferral which again I was told was approved. I called yesterday XX/XX/XXXX to put in the 3rd request for the XXXX payment and was told that I owe {$1400.00}. that I had 2 returned payments, when I tried to explain to the representative what had happened she was very nasty and argumentative, she continued to tell me that I had deferred a payment in XXXX which did not happen I made my XXXX payment, the deferral program didn't start until XXXX when our state was locked down, it got to the point where she was yelling that we could end the call right now or we could proceed to request the deferral for XXXX instead of XXXX so instead of making things worse I answered her questions and tried to call again this morning and speak with a supervisor and was told no one was available to assist me which is what I have been told every time that I have made that request.
I was assured by the representative that I spoke with in XXXX that this would not affect my credit and that the payments would be moved to the end of my lease, now I have payments showing 30 days late along with late fees. I have always been an outstanding customer with Kia Finance, this is my 2nd lease with them and my payments were always set up on auto pay and have been paid every month on time. In the past 3 months I have had the worst customer service, they have been very rude and unwilling to try to rectify the mistake that was made on their end that is causing financial problems along with a very negative impact on my credit.
|
| 12/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
|
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Lease ended XXXX and vehicle returned. XX/XX/XXXX statement for {$620.00} received ( {$400.00} disposition fee and {$220.00} excess wear and tear ).
Kia Motors Finance ( KMF ) personnel have contacted me on my cell phone and also at my place of business on too many dates to list to collect this disposition fee and excessive wear and tear on a lease. I do not owe those funds. When the first invoice arrived, I called the XXXX number to notify how the account was being handled. The disposition fee was being paid by Kia of XXXX, as we had purchased another vehicle from them, and the Excess Wear and Tear fee was covered and would be paid by the insurance we purchase through XXXX XXXX XXXX.
Kia of XXXX ( XXXX XXXX, Manager ) issued check XXXX for the disposition fee of {$400.00}, which was sent to KMF on XX/XX/2019, which KFM claims was not received. On Friday, XX/XX/XXXX, Ms. XXXX advised that she was over-nighting yet another {$400.00} payment to clear the disposition fee.
On XX/XX/XXXX, XXXX XXXX XXXX confirmed to me in writing that they had issued a check for the {$220.00} excess wear and tear under the policy we purchased.
As of todays discussion, the collector calling claimed none of the above payments have been received, then put me on hold to check into it. At least twice the phone was picked up and when I said hello, it was placed back on hold. After about 15 minutes on hold, the phone line went dead.
I have attached documents from the parties that indicate they have fulfilled their obligation to me and sent these payments to KMF. Therefore, once KMF properly applies these payments, there is a XXXX balance on the account. I have also emailed these to an email address of XXXX that was provided to me by one of the callers, which means you have this information in your files, yet continue to receive harassing calls.
It is imperative that KMF update their records and show that I dispute having any obligation for this debt. I doubt that the problem is with Kia or XXXX or XXXX XXXX XXXX and believe Kia Motors Finance company is disorganized and the SNAFU lies in KFM so the payments can be properly applied, this will all be resolved.
Attached is a current letter I'm sending, a copy of the check fthat was issued, a copy of which was provided to me by Kia of XXXX and a confirmation letter of payment from XXXX XXXX XXXX.
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| 04/08/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Older American |
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I made a serious mistake by entering into a lease agreement with XXXX XXXX in XXXX NC. XXXX XXXX XXXX. At the time I went to just look around, my XXXX lease was expiring. I defiantly was pressured into this vichle. I am XXXX and the simply wore me out. The went so far as to drive me back to my home with a salesmen to pick up my puppy, so I wouldn't leave and not come back. The said they did not want anything to happen to the XXXX XXXX I was turning in. I was looking for a payment of about 260 . I finally got out about XXXX XXXX that night, with the car. When they sent me to the financial man he gave me all these papers in small print to read. I stupidly trusted him. There motto is Our customers are always for life. Now I know why. They failed to tell me I would get a bill from XXXX for XXXX because I did not buy from them, plus I was billed for some damages on the XXXX. They did not want me to go with the salesmen as I was supposed to do., to get the pay off. The knew I was going to be billed and that would have stopped me from leasing the XXXX. Instead they turned in themselves and a few days later I received a XXXX $ bill from XXXX. Within two days I receive a bill for over 350.00 + . From Hyundai. When I returned to ask about this they never told me I would have that bill as soon as I left wth the car. In addition to that I find the finance man put two warranties on the car. One for maintenance and one for one for Master tech, whatever that is. I was unaware of that. After much haggling they removed the warrantees and gave me a credit. To make matters worse my daughters company closed and she was without a job. She still does not have a job and now has XXXX and it will be 6 weeks before she can even think about it. She has moved out so I have no help from her. Now the payment was impossible. I am behind and they Want to reclaim the car. I will never catch up. I have pleaded with them as I live on SS. It's a constant battle. I returned to the dealership and asked for help. I tried to turn it in and get an older car from them. No never. They want me to lose the car so they can repo it and then sell it cheap and I would be paying for a car I don't have. I am desperate and have no where to turn to. This's lease is now almost one year old so I have two more years of torture unless I die first. I guess I would be out of the lease.
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| 08/29/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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How much does XXXX charge municipalities to bill customers for tolls and taxes? XXXX and XXXX dont add surcharges to toll and tax bills, but XXXX apparently does and is therefore incentivized to charge their customers for taxes and tolls that arent due or owed. I will be submitting a Rule Making request about this officially to CFPB - but Auto Financing companies shouldnt be collecting excise taxes or tolls for a fee.
In their prior complaint response ( XX/XX/XXXX XXXX ) KIA admits that they are charging me for XXXX excise taxes that I do not owe. They admit they requested a refund from the Municipality ( XXXX XXXX XXXX ) and that I should pay them this money even so. Yet after they responded to the CFPB saying this, they sent me a letter saying they will put my account into collection on XX/XX/XXXX for this money I dont owe. I moved away from that town a year ago.
Their first response ( XX/XX/XXXX XXXX ) says that the taxes due were for XXXX which was an outright lie because I had paid XXXX taxes over a year ago. I supplied proof previously.
I will be filing a lawsuit against XXXX to claim damages from this harassment that Ive received from them since leasing this car. I was overcharged by dealer, then XXXX refused to acknowledge that I surrendered my prior XXXX ( when I took possession of present car ) and they tried to force me to pay for the surrendered car too, then 2 bad tires on brand new car and they refused to honor the warranty and now this. Not only is this illegal behavior it is also discrimination. I am certain if you look at your statistics you will see that theres patterns in their abuse - especially age and gender.
This is systemic abuse and I can not help but think that if they were forced to keep Hyundai Motors Finance customer support functions onshore that this wouldnt happen in the USA. Theres financial incentive causing this abuse to occur. Its happening because it is offshore. Americans wouldnt needlessly hurt other Americans like this. This company is toxic due to this.
Also someone in XXXX leadership is not smart thinking that their customers are disposable and that hurting customers makes wise business sense. Especially someone like me who is repeat customer and never has been late on a car payment ever in my life.
The amount of stress that this company has caused me is unconscionable.
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| 07/30/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX I have co-signed for a car for my X Wife. She took the car in the divorce. She had stop paying for it, the and give it back to Hyundai in XXXX. Hyundai Closed the account in XX/XX/XXXX. In XX/XX/XXXX an other payment was made. That was a court ordered payment FINAL payment to pay off Hyundai 's debt by my X wife of {$1600.00}. Because the account was close I didn't pay attention to it. I have opened a secured credit card. 3 years went by and my credit scores were the same never went up. Now I know why. Cost it me a lots of money so far. A few months back I opened the details of the credit report. I was shocked. 2 and a half years went by suddenly Hyundai started reporting the months they alleged I owe the {$1600.00} and reporting it this is under collections. Between XX/XX/XXXX and until no one ever called me to collect any money. I wasn't hiding I have a listed number. Their statue of limitations of 5 years of collections run out anyway. Hyundai altered my records just recently. Removed the actual date of when the account was CLOSED and left only when the FINAL payment was made. I have the proof of the original dates what they have recorded. Why would a company would wait 2 and a half years to even making merit less demands. They started reporting again in the middle ofXXXX. No company would wait 2 years, and they didn't even after my wife first stopped paying. They have instantly referred the case to collection back then.The records says now in Collections Charge Off. XXXX already corrected their records and have removed the monthly chart what the company claimed, how I have not paid any money back to them for the months and years. My credit newer went up and suffered because of Hyundai monthly reported false claim for the last 2 and a half years. And they are still reporting on it as of now. Their last report was in XXXX. They are 3 months beyond the statue of limitations of any collections anyway. So when when is the reporting will stop? Why do they REMOVED from the credit agency records the actual date/time when the account was closed? Regardless of the last date of the payment of XX/XX/XXXX. They got paid fully. They have left in the XX/XX/XXXX, it makes it looks like they are legally demanding, collecting and entitled the money! FRAUDULENT practice. They have tailored the financial data to their needs.
|
| 10/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I started 72 month auto loan with XXXX XXXX XXXX in XX/XX/XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and Hyundai themselves on over 10 occasions ).
I had made the last payment on my auto loan on XX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me ).
There was another payment made on XX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XX/XX/XXXX.
There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment.
On XX/XX/XXXX, Hyundai advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to Hyundai, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points.
On XX/XX/XXXX, I sent XXXX, XXXX, XXXX AND Huyndai all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status.
On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be.
On XX/XX/XXXX, Hyundai, once again, reported my account to all three credit reporting agencies as delinquent with a XXXX balance on this closed account. As a result, my credit dropped another 62 points.
I have made, again, in excess of over 5 calls to XXXX and Hyundai trying to get my report corrected and to get Hyundai to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because Hyundai wont correct their system.
I am trying to purchase a home and this 62 point drop in my credit is preventing this from happening. Hyundai is not helping me with this matter in ANY way other than telling me to keep disputing it.
|
| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XX/XX/XXXX - paid off a lease buyout for {$11000.00} for a XXXX XXXX XXXX that had a lease maturity date of XX/XX/XXXX.
XX/XX/XXXX - submited odometer reading document and fedex account number to hyundai motor fiance as requested.
I have called customer service and the lease end dept literally every day sincenpayingnoff the buyout to ensure I had done everything I was suppose to and that there would be no issues or surprises.
XX/XX/XXXX - XXXX was told that the title was to be released and mailed overnight with my XXXX account number on Friday, XX/XX/XXXX. I would recieve no later than Saturday, XX/XX/XXXX.
I did not receive the title on XX/XX/XXXX.
Instead on XX/XX/XXXX when i called to request a tracking number, i was told it woudlnt be mailed out until Monday, XX/XX/XXXX.
Title was notnmailed on XX/XX/XXXX. On XX/XX/XXXX i was then told that titles are only mailed Tuesday and Thursday.
I was then told my title would go out overnight from my XXXX on XX/XX/XXXX and i would receive XX/XX/XXXX absolutle latest.
It is now XX/XX/XXXX and still no title has been overnighted to me.
From XXXX I have called multiple times every single day to ask for updates, a tracking number, stslatus of title etc.
I have literally been told conflicting information by every single time. That includes the time I was told on thing by a rep then transfered to a supervisor who gave me the exact opposite on THE SAME CALL! This happened during two different supervisor calls.
During this time I have also been hung up and cursed at by a supervisor who was responsible for taking escalated calls. His name was XXXX.
I have been lied to.
I have lost multiple offers to sell this vehicle due to their continued failure to deliver on the promise of having the title to me by specific dates.
I was offered $ XXXX for this vehicle by XXXX that was good up until the day after I should have received my title on XX/XX/XXXX. The offer as of today has gone down to {$15000.00} and will likely expire before I get the title if I ever do. They have cost me XXXX XXXX XXXX thus far.
I have sent at least 30 emails requesting a update and tracking number with ZERO responses.
Customer service refuses to help and states they have no way to contact the title dept.
This complaint is my last resort to get any type of hopeful resolution
|
| 01/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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Loan from XXXX XXXX XXXX XXXX : Loan originated in XXXX of XXXX for approximately {$35000.00} rate of 3 % for 60 months I set up auto payments shortly there after, I included a small amount extra in the payment to be included in the principal to pay the loan off faster.
I noticed that the extra I was paying was NOT being applied to the principal as I requested. I called on XX/XX/XXXX to try and straighten this out. The reps at XXXX XXXX alleged that they could not apply the extra with out a phone call to implement a manual process. So they were making it intentionally difficult to pay a loan off early? I resigned myself to not being able to fight a large company, and told them to go ahead and apply the extra money I had paid to the principal. I was told this was done and I would receive an email/notice of some sort.
As far as I can tell nothing happened. No notice, no extra paid down on the loan. I called again today on XX/XX/XXXX with the same issue. I would like to know how I am unable to pay this loan down. I do not understand why the process was difficult it is all simple math and is in no way complicated, unless by design of XXXX XXXX XXXX XXXX. The reps gave me generally the same story that I could not pay any extra principal on the loan without a phone call and manual process. However this was ONLY available to the past 3 months of over payments. I said yes please apply the principal but I insisted on some sort of notice in writing that this was being done. The flat out refused to give me any notification. I got " service numbers '' which mean nothing to me. I would like to see something in writing that my transaction is being processes, and carried out. I have zero way of knowing if XXXX XXXX will keep their word or simply get lost in their bureaucracy. I asked to escalated to someone who could give me some sort of notice. I spoke to " XXXX '' and I was met with refusal.
( Service numbers provided by XXXX XXXX : XXXX XXXX XXXX ) No one would identify themselves to me, I had no way of knowing who I was talking to or what actions to take next if my money was not being spent according to my wishes.
I would love to have a conversation with someone knowledgeable on the subject. I also find it unethical that a company can make paying off a loan so difficult for consumers.
Thank you XXXX XXXX XXXX
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| 09/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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|
Web |
Older American, Servicemember |
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On XX/XX/XXXX, we leased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, NM, via Kia Motors Finance XXXX The car and service has been great and we have had no problems until attempting to exercise the " option to purchase the Vehicle '' as specified in writing in the lease. The lease states in section 9. Purchase Option at end of Lease Term : " You have an option to purchase the Vehicle from us at the scheduled end of the Lease Term, AS IS, WHERE IS, from us or a party we designate ( See Section 23 ), for the Residual Value on line 7D above ( " Purchase Price '' ) plus a Purchase Option Fee of $ N/A. You are also responsible for any official fees, such as those for taxes, tags, license and registration. Please see Section 23 on the back of this Lease for additional terms and conditions. '' Since the " Purchase Option Fee '' is printed as N/A ( not applicable ) we are entitled to exercise the purchase option for the Residual Value , printed on line 7D, of {$17000.00}. However, when we contacted Kia Motors Finance on XXXX XXXX XXXX, their telephone representative insisted that we must also pay a " Purchase Option Fee '' of {$320.00}. We informed her that she was mistaken and that both parties were bound by the written terms of the Lease. After approximately 20 minutes, she obtained a copy of the lease from their records and confirmed that it indicated N/A in the space for Purchase Option Fee. However, she insisted that such a fee must still be included or they would return the check. We calmly explained that would be in violation of the Federal Consumer Leasing Act and that if they persisted in this position, we would contact the CFPB and the NM Attorney General. She agreed to elevate the issue to a manager and get back to us within 72 hours. However, since we must pay the Residual Value by the fast approaching XX/XX/XXXX, we are alerting you in hopes that this can be resolved prior to that date. This error should not have occurred, and based upon the initial attitude of the Kia Motors Finance telephone representative ( she stated that they were recording the call ) it sounded as though this violation might be common practice. We also alerted the dealership ( XXXX XXXX ) of this problem, however the responsible manager was not in the office and would not be able to contact us until Monday, XX/XX/XXXX.
|
| 09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Initially, on XX/XX/XXXX I went to XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I was looking to make an exchange of my vehicle lease. The when I agreed to allow them to run my credit they chose not to disclose what was my score or what agency they looked at in coming to a determination regarding my credit worthiness.
When I asked them for it, they said that the report comes through digital means and that it could not be printed out. the sales person provided me with a score that I knew to be incorrect from all of the credit services that I use. When I explain that fact to him, he told me that my services only give an estimation that is usually incorrect.
As the deal for the financing on the new lease had to be done, they lost my credit profile and had to run my credit a second time ; this was about a month later in XX/XX/XXXX. Once again they failed to give me a report of how they arrived at their valuation of my credit worthiness. This company has been poor in its consumer relations, especially as it pertains to credit evaluation.
Since that time, it has been disclosed that after taking in the previous vehicle and making the exchange for a newer model, this dealership did an evaluation of the vehicle 2 months after the exchange and did not acquire my signature as proof of its reported damages. The damages that they have listed are also no accurate as the vehicle was not given to them with those damages.
XXXX XXXX also failed to make the proper calculations as to the payoff that they needed to make to Hyundai Motor Finance on the first lease, which has prompted Hyundai Motor Finance to ask me for more money, even though that amount was transferred onto the new lease as part of the deal. XXXX made the original payments that they thought were accurate but Hyundai Motor Finance stated that they miscalculated the amount.In my calls with XXXX, they have not allowed me to speak with a finance professional from their location and finance professionals have not returned my calls even though I have left multiple voicemails when I have gotten through.
Neither XXXX XXXX or Hyundai Motors Finance want to contact one another to settle this matter. It seems to me that they may be running a scam by adjusting amounts months after the fact and requiring consumers to take on more obligations.
|
| 02/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
|
We purchased our XXXX XXXX XXXX new in XX/XX/XXXX. We financed through Hyundai Motor Finance.
In XX/XX/XXXX we had vandalism on our car and was sent a check from our insurance written to both us and HMF. We contacted Hyundai and they told us we had different ways to handle that.
1. Send the check to them, they would sign it and send it back to us to take to a repair shop.
2. Send the check to them, signed and they would arrange the repair 3. Send them the check signed, and they would apply it to the loan then we could pay for repairs out of pocket. The rep explained it would be just like a payment.
We chose # 3 as that would be the fastest way to get our car fixed with less back and forth. We signed the check, wrote a letter saying we wanted it applied to the loan. We didnt make our payment that month as we used that money to fix the car.
Soon after we started getting calls from HMF stating that we were late on our payment and had penalties and negative credit reporting. We contacted HMF several times to get it resolved but no one could tell us what was going on. We asked several times to speak with management but never was returned any communication.
Finally after almost 2 months we finally talked to a manger and they said that they would resolve the problem. They saw the payment but it was applied to the back end of the loan and not as a payment. He could fix that but we would have to dispute the negative credit reports and they would not fight it, that would be the only way to get the credit fixed. So we disputed it, and they did fight it. We still have it reporting negatively on our credit.
Then at the end of XX/XX/XXXX our car was in an accident and totaled. Our insurance covered the worth, then our gap insurance would cover the remaining, until we received a letter from our insurance company stating that HMF reported we were missing a payment and they would not cover {$700.00} of our loan. We would need to pay that.
It was our understanding that HMF corrected the missing payment and no longer showed that we were missing a payment. We contacted Hyundai and they stated they showed nothing about talking to a manager and there was nothing we could do.
Now we have severely negative credit and collections due to an error on Hyundai Motor Finance. We can not get anyone to resolve it.
|
| 09/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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After turning in my lease early in XXXX of XXXX, Hyundai Motor Finance sent me an invoice stating that I owed {$1700.00}. I was under the impression that the dealership was charging me fees for terminating my lease early ( when in fact they solicited me to turn my lease in and swap for a newer model ). I went to the dealership, as well as called HMF, and after much frustration saw no resolution. Eventually they sent the bill to collections and it appears on my report as " charged off as bad debt ''. I filed a complaint with cfpb and they responded stating that I owed the money for terminating my lease early and have yet to pay the amount owed. As previously stated, I was solicited by the dealership and called on multiple occasions for the opportunity to turn my lease in early. Therefore, I knew that these charges were not valid. I decided to take the issue to small claims court. I was to sue XXXX XXXX AND Hyundai Motor Finance due to the fact that I was not aware of which party was at fault. Neither party showed up to court on the day of the trial and that was when I set a new date and contacted a lawyer. A lawyer from XXXX XXXX called me, and I had my lawyer call him back. After investigating, it was discovered that XXXX XXXX sent Hyundai Motor Finance a check that was to cover my remaining payment. This check was dated XX/XX/XXXX. This amount was NEVER applied to my account. The actual total that I owed was {$570.00}. For a whole year I was back and forth with the dealership AND HMF and not one person could catch this error or explain what the issue was. I even asked for a new invoice in XX/XX/XXXX, and this amount had still not been applied. So, I have a negative remark on my credit report for an amount of money that I was not responsible for. I need Hyundai Motor Finance to have this negative remark removed from my credit report immediately. I was not responsible for this bill that was sent to me and I looked for help and an explanation, wasted time, energy, and money going to court, and received no help from either the dealership or Hyundai Motor Finance. It was only when I had a lawyer contact them that I saw any progress. This item must be removed as soon as possible, for I am hoping to purchase a residence in the near future. Thank you in advance for your help regarding this matter.
|
| 07/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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On XX/XX/XXXX I leased 2 vehicles from XXXX Hyundai that were suppose to have monthly payments of {$370.00} each. My spouse came with me as I needed his signature for credit purposes. We were there a very long time and when we were about to sign for the leases the leasing manger started talking about a Tire and Wheel Protection Plan that he highly recommends because XXXX XXXX is famous for nails in tires etc ...., I initially said no when he told us the additional amount. He was very persistant and came back with a lower price for this plan. Due to the amount of time already spent in the dealership and my husband getting more upset with me, I said " yeah go ahead put it on ''. my monthly payments then went up to {$390.00} and {$390.00}. I thought I could cancel this at any time and just make my normal care payments, not realizing this was part of the Lease Agreement incorporated into the monthly payment. On or about XXXX of XXXX, I called the dealership and asked how to cancel the plan. I was told " oh we can cancel it, but you still have to make the same payments and at the end of the lease payments number XXXX & XXXX will be paid for because you would have an overage. '' I told them that is not what I wanted to do and was told there is nothing that can be done. I called Hyundai Motor Finance several times beginning XXXX and got bounced around to numerous different people and departments and not one person could answer the question I was asking. I was told that they didn't even see a Tire Protection Plan on the agreement but there may be some way the computer system divides the money. I finally this past week was able to get someone that informed me there is absolutely nothing Hyundai Motor Finance can do and if I just make the {$370.00} payments on both vehicles that they would mark me as being late with both payments every month. I do not want my husbands credit to be ruined as it already went down because XXXX Hyundai did 2 credit checks on him which was not necessary when they already had one and could have used it towards the other vehicle that day. Anyway, I DO NOT NEED THIS TIRE/WHEEL PROTECTION CONTRACT NOR DID I WANT IT IN THE FIRST PLACE BUT WAS FORCED INTO IT BY THE LEASING SALES MANAGER AT XXXX HYUNDAI . I just want to make my vehicle payments which should be {$370.00} each.
|
| 07/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Due to Covid-19 my Husband who is the main source of income in our family was furloughed on XX/XX/XXXX. Hyundai Motor Finance, whom we have two vehicle leases with, was offering 90 days deferment for those affected by Covid related lay offs. The only option they gave to apply the deferment to your account was a email form on the website where you selected 'Covid 19 '' as the reason for deferment.
I submitted the form in XXXX and received a generic email saying they received my request. We never received any follow up information in the mail, or calls from Hyundai to confirm the deferment plan. I continuously called their customer service line the entire month of XXXX and XXXX, getting an automated recording that they had high call volume and to try again later. I was not able to successfully talk to someone live until XXXX.
The customer service representative told me to not make any payments for the past due accounts and that they would have to process one month at a time, to apply for the deferment program, but that XXXX, XXXX and XXXX would be covered under their program. Several representatives assured me that our credit would not be affected, our account would not be late and that the deferred payments would get added to the end of our lease term billing.
Since then, we have noticed my husbands credit score, as well as mine, have gone down significantly. We attempted to contact Hyundai, receiving once again the automatic message about high call volume, with no option to speak to a person. After several days of trying a representative told us that the deferment program was no ended and there was no way to apply the program to our now, very overdue account. I asked to speak with a supervisor and was given no helpful information and was told our credit would be affected until we paid our account in full. They claim that we never followed up on the deferment program, when I did actually call repeatedly with no way of talking to someone.
I contacted our local XXXX XXXX XXXX XXXX and they said, as long as I filled the form claiming Covid job loss on there website I would be okay and eventually it would be applied to our account.
We are unsure what to do, but are discouraged our credit is being affected despite Hyundai offering a 90 day deferment, that we met every requirement of.
|
| 05/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
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I took delivery of a new XXXX XXXX XXXX on XX/XX/2020. The 1st ( lease ) payment of {$390.00} was made at the dealership that day. I created a " payee '' on my Credit Union website using a " place holder '' for the account number, which I neglected to update before the next scheduled payment date. This resulted in my CU sending a paper check with an incorrect account number to Kia Motor Finance ( KMF ), which could not process it. On or about XX/XX/XXXX, realizing my ( account number ) error, I attempted to make a one-time payment from the KMF website, which did not work. I called KMF multiple times during XX/XX/XXXX to ensure my repeated attempts to make payments in a timely manner were documented. A KMF agent told me in XX/XX/XXXX that the listed payment amount was incorrect because the wrong county tax rate had been applied ( by the Kia dealer presumably ) and that future payments would be {$360.00} ( KMF website still indicated {$390.00} as of XX/XX/XXXX ). The {$390.00} payment due XX/XX/XXXX was ultimately recognized/processed on XX/XX/2020 ( KMF requested a fax from my CU, which the CU reportedly sent ), which is 15 days after the due date, incurring a late fee of {$18.00}, which an agent reportedly waived as a courtesy. According to KMF, credit report exceptions are not sent until an account is 30 days past due, yet I had a late payment report filed with the credit agencies. On XX/XX/XXXX, my CU made an electronic payment of {$380.00} ( {$360.00} + XXXX for the " waived '' late fee ), which was processed by KMF on or about XX/XX/2020 ( again KMF needed a fax confirmation from the CU ). On XX/XX/2020 I contacted KMF to ascertain why the website indicates {$390.00} is due XX/XX/2020 and discover how an account of 3 months age with two on-time payments could be charged multiple late fees. I reviewed the account history with an agent, who acknowledged the account history looked untoward and connected me with a supervisor, who said my electronic payments are actually sent as paper checks ( my CU disagrees ). The supervisor disputed that multiple fees were being applied and the line went dead ( I sincerely hope he didn't hang up on me ). As of XX/XX/2020 I have made two payments of {$390.00} and one of {$380.00} to an account that according to KMF should be due {$360.00} monthly.
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| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HYUNDAI CAPITAL, for committing identity theft. I have never given HYUNDAI CAPITAL, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with HYUNDAI CAPITAL and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving HYUNDAI CAPITAL any right to collect on this alleged debt.
I have never received any documentation requesting validation from HYUNDAI CAPITAL, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HYUNDAI CAPITAL, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HYUNDAI CAPITAL, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HYUNDAI CAPITAL, continues its collection efforts, I will file for litigation for actual damages caused and HYUNDAI CAPITAL, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 06/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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KIA XXXX ACCT # XXXX I am writing to complain about fraudulent lease-related practices at the XXXX KIA dealership XXXX at XXXX Rt. XXXX XXXX in XXXX, New Jersey.
The dispute in question is embedded into this communication as an appendix.
On XX/XX/XXXX, I completed the terms of my XXXX lease of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original lease was initiated on XX/XX/XXXX. I then entered into a new lease on the same day for a XXXX XXXX XXXX. While learning what my options would be in terms of moving into a new lease. I asked the Sales Associate, XXXX XXXX, directly about how to deal with minor damage on the car I had leased. He basically dismissed the question and did not address it further.
Subsequent to this, I received a communication from XXXX saying that I owed more than {$2400.00} in damages, despite the fact that I had purchased the Excess Wear and Use insurance, which was strongly recommended by the sales team. This insurance cost me roughly an addition {$40.00} per month. I made numerous efforts to reach out to XXXX XXXX without any response or guidance. Note that XXXX XXXX is no longer with the company.
This lack of transparency and intentional obfuscation was the basis of what has become an unethical debt collection situation. A charge-off was posted to my credit report in XX/XX/XXXX. When I attempted to contact the corporate office, once again I was not given the information needed to further investigate the Excess Wear and Use Insurance or to use something that was rightfully mine and that I paid in excess of {$1500.00} for.
This business has a grade of F from the XXXX XXXX XXXX XXXX https : XXXX ), with numerous complaints filed for this type of bait and switch activity. I have tried to rectify this situation for more than 3 years and have intentionally been ignored or misled. Somehow they say that they have no information about the Excess Wear and Use Insurance in terms of how I might access it, although they sold it to me.
I request that this be removed from my credit report immediately and that your agency provide additional information about how to move forward with this situation. Also, is it possible to sue in order to compensate for the impact of a charge-off on what would otherwise be a near-perfect credit report?
Please advise and thank you.
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| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX PA, XXXX, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00}, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}
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| 01/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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In XXXX of XXXX, I signed for a 3 year lease with XXXX XXXX XXXX in XXXX XXXX for a XXXX XXXX. My lease payment was through the roof due to interest, which is understandable. Fast forward 2 years, I wanted out of my lease but I signed for 3. I was able to turn in my lease early and got into another lease through XXXX XX/XX/XXXX. I personally returned my lease to XXXX XXXX XXXX in XXXX XXXX, signed early lease termination papers. Nobody checked my car for dings or dents, interior, wear and tear, nothing. This is the first red flag I should have taken into consideration. Im unsure of where my XXXX XXXX went after dropping it off in XXXX XXXX but its thankfully out of my hands now but what if something happens after releasing it back to XXXX. I have no proof of the excellent condition I returned the car. On XX/XX/XXXX, there was a withdraw transaction to my bank account of {$380.00} from XXXX, which was my car payment. Ive been out of this lease now for one month, why are they charging me another lease payment? I called customer service and spoke to XXXX. Not only was she rude and impatient with me, she told me they are unable to release the payment of {$380.00} back to me and the only way they would release that chunk of money back to me would be if there is no exterior/interior damage after the inspection of the vehicle is done, which takes up to 90 days. I am no longer a customer of XXXX, why do they even still have my bank account information on file? XXXX told me it is my responsibility to stop payments from withdrawing. I asked to speak to someone else a little more understanding, she transfer me to XXXX the supervisor. XXXX told me he can not issue me a refund. The only way they will release the {$380.00} back to me is if I dont owe XXXX any money for exterior/interior which will take up 90 days. I am completely unaware of any damage to the vehicle so there is nothing they should be charging me for so the money should be released back to me and they should have done a walk through of the vehicle with me. I will not pay for damages Im unaware of. Im not a customer of them anymore! I contacted my bank because its technically an unauthorized transaction being I did not authorize for them to continue to pull money from my bank account after not having the car for one month.
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| 06/26/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American, Servicemember |
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Leases a XXXX XXXX XXXX in XXXX, XXXX while I was living in XXXX ( XXXX XXXX ) Hyundai Motor Finance holds the paper. ( XXXX XXXX XXXX, XXXX XXXX XXXX, Ph XXXX ACC'T number XXXX ) I moved to XXXX in XXXX, XXXX. The vehicle was registered in XXXX XXXX XXXX XXXX XXXX was shown as the lien holder. Monthly statements were sent to my XXXX address.
In XX/XX/XXXX I decided to purchased the subject vehicle. I was instructed by Hyundai Motor Finance to obtain a payoff letter from the local XXXX XXXX. ( XXXX XXXX of XXXX XXXX, XXXX ; XXXX. XXXX ) Upon receipt of the payoff, ( Estoppel ), letter and other required documents I obtained a loan from XXXX XXXX XXXX to purchase the subject vehicle. A bank check in the amount of {$10000.00}, ( the amount stated on the estoppel letter ) was mailed on XX/XX/XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, the designated address on the Estoppel letter. My XX/XX/XXXX statement from Hyundai Finance shows these funds these funds were received on XXXX.
I have now been informed by Hyundai Finance that they are " refunding '' these finds to me, because the vehicle is " garaged '' in XXXX and I will have to go through the dealership in XXXX where I originally leased the vehicle.
First, I have know idea what they mean by " garaged ''. They knew of should have known the vehicle is in XXXX, base on the fact that it is registered here, and because of the monthly statements coming to my XXXX address.
Second, there is no mention of this requirement in the Estoppel, ( payoff ), letter. Now it has been awhile, but if my memory serve me correctly the purpose of obtaining an Estoppel letter is to prevent any further claims from be asserted. You get one bite at the apple.
I have met all the requirements of their Estoppel letter, therefore the remedy I am seeking is to get a clean title in order that I may add the new lien holder, XXXX XXXX XXXX.
It is grossly unfair to require me, without prior notice, to deal with a dealership 880 miles from my home.
I am, as I always have been current, on the monthly payments, but I suspect Hyundai Motor finance will expect me to make the XX/XX/XXXX payment.
This whole episode is ridiculous ; I have never heard a a lender refusing to take the funds necessary to payoff a loan.
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| 11/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Since the end of XX/XX/2022 I have been trying to get Hyundai Motor Finance to transfer my title from state to state and for nearly XXXX months they have failed to do it, and at every step they have given me conflicting information or missed their own deadlines.
XX/XX/XXXX- XXXX sent from insurance company to XXXX ( and they claim it was never received ) XX/XX/XXXX - Three-way phone call initiated by insurance company with myself and XXXX to confirm where to send letter again. Was told to fax XXXX. Spoke with a XXXX at XXXX and insurance company faxed it to XXXX XXXX times while we were all on the phone. No confirmation was ever communicated to me that it was received XX/XX/XXXX - Faxed another XXXX times by insurance company. Was escalated and told to email XXXX with the letter from the insurance company XX/XX/XXXX - XXXX with XXXX at XXXX around XXXX. Was told titles department received documents on XX/XX/XXXX. XXXX said it would take XXXX days to process and send to insurance company. Was never completed XX/XX/XXXX - XXXX week pass and the form was never sent. I call and was escalated to a XXXX, a supervisor at XXXX. XXXX submitted an official complaint and work order to complete the title transfer. I told her that I was going to start getting parking fines because of out-of-state license plate/title. XXXX said I would hear back from the escalated service people in XXXX to XXXX days. I stated that I would take them to court for daily fines XX/XX/XXXX - Received phone call from XXXX XXXX at XXXX at XXXX. She told me the the title would be sent to insurance company " by Friday [ the XXXX ] or no later than Monday [ the XXXX ] '' XX/XX/XXXX - Spoke to a XXXX at XXXX and was told it would be sent out the XXXX. He escalated me to XXXX, who was rude and dismissive of my concerns. He stated that titles are sent out " only on Tuesdays and Thursdays '' and this would be sent to insurance company on Thursday, XX/XX/XXXX, which contradicts the information I received from XXXX.
This is the single most frustrating encounter I've ever experience with a company. I am beyond frustrated and it's starting to cost me real money. I just want to register my car in my new state and XXXX and a half months to complete this transfer is entirely unreasonable and borderline unethical.
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| 02/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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XX/XX/XXXX I traded my lease vehicle for a new car, the auto dealer purchased the lease vehicle. The final full pay off was posted to my account on XX/XX/XXXX in the amount of {$23000.00} and based on my final payment record left a Credit Balance of {$35.00}, additionally I received a letter dated XX/XX/XXXX that my lease is considered " satisfied in full ''. As of date and today call, KIA lease still shows my account open and has yet to disperse the {$35.00} credit balance, after calls back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have been told that it takes 90 days from the date of final payment to close the account, on one call I was told that it took only 30 days form the date the final payment posted, either way I have yet to receive the {$35.00} credit balance.
Second, I reside in the State of Virginia ( VA ), I am responsible for the vehicle tags and their cost, upon selling the lease to the dealer I turned in my tags to the department of motor vehicle ( DMV ) on XX/XX/XXXX, the VA DMV mailed the reimbursement to my home address on XX/XX/XXXX however made the check payable to KIA Lease ( Hyundai Lease Title Trust ) in the amount of {$74.00}, I immediately took the check back to my local DMV office who in-turn mailed the check to KIA Lease, again I gave KIA lease until XX/XX/XXXX to reimburse me, my call in XX/XX/XXXX yeilded no answer, my call at the end of XX/XX/XXXX was told they had a check but had not mailed it out, my call as of today XX/XX/XXXX was told that the check for {$74.00} was mailed out on XX/XX/XXXX.
I asked as to the other information again as noted in my first paragraph as to the account and the {$35.00} credit balance, I was told today XX/XX/XXXX they see no record of a credit balance and that they could send an e-mail but that would take another 4-5 days for an answer.
I just want to ensure that no once else has these issues, as an consumer I am expected to pay my account on a certain day and I met that, I was never late, however KIA Fiance seems to be able to hold onto a consumers refund until they determine it is OK to release.
Please find out why my account is not closed, why I can see a credit balance which has not been dispersed and why they also held on a refund that they never were responsible for.
Thank you XXXX XXXX
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| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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In XXXX of 2023 I was supposed to move to California from Georgia, however we soon realized I would not be leaving until late XXXX. I called my leasing company whom told me I would be able to change my address with no changes to my payment. I changed my address in XXXX of 2023 to my parents home in California, at the end of XX/XX/2023 I called my leasing company explaining that I was not moving until XXXX, my following statement from my leasing company included a Sales/Use Tax for roughly XXXX dollars. I was confused where this sales/use tax was coming from and called my leasing company again. I was told it was because my address was changed to California. I explained the situation and what I was told, the representative stated that I would have to call the California tax authority to get the issue resolved. While this is being taken care of I was still paying my monthly car note but did not pay the sales/use tax because it was something I did not agree to paying. I called the California Tax authority and was told there was nothing they could do because my car is not registered in California and that Kia, my leasing company should be able to just remove the sales/use tax from my billing. I called Kia and explained this situation to them when I was once again met with a rebuttal that I just need to pay it and California will give me a refund, I once again called California Tax Authority which they said was not possible. From Monday XX/XX/XXXX to Thursday XX/XX/XXXX of 2023 I received 7 calls from Kia 's finance department stating my account was past due for XXXX dollars, which was the sales/use tax. I gave them a call back XX/XX/XXXX at XXXX am to explain that I was still waiting on a return call from the California tax authority to get the issue resolved. From that call alone the representative said he would put a note on my account to let them know that the outstanding balance was from a sales/use tax. From XX/XX/XXXX after talking to them about what was going on I received 3 calls on Sunday XX/XX/2023, 2 calls on Monday XX/XX/2023, and 2 calls Tuesday XX/XX/2023, and then another 2 calls today Wednesday XX/XX/2023. I called them today XX/XX/XXXX and explained the situation once more, I was then placed on hold for over 30 minutes and then the line disconnected.
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| 01/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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I contacted Kia last fall to get assistance due to losing work from Covid-19. They told me they could extend three months of my loan to the end of the term but I would have to pay at least one payment up front for them to do that. I paid over XXXX dollars to them, processed the paperwork. One month later they were calling me for more money and informed me that my request was denied and " you have to make ten monthly payments on time to qualify for a postponing of your payment again. '' I have made every attempt possible to pay what I could and last week I made a payment of {$50.00} on the internet. I borrowed money this week from my son when I found out my Stimulus payment was going to be postponed. I attempted to log into the website, my account was locked. I called the number and the guy advised me I would have to pay an additional {$7.00} to make the payment over the phone when my son was present to give permission.
I attempted to call again this evening, the first call went to the automated system - a {$3.00} fee to process a payment - and was going to take my payment until I put in my social. I then got transferred to a live agent who advised me they had to get me over to my agent. I began talking to my son and she said " excuse me '' and I responded with " I was talking to someone else. '' The line disconnected. I called back, same situation, automated system sent me to a live agent so I could make a payment for an additions {$7.00}. I asked this agent if she could take my payment and she immediately got rude with me saying " when you give me your name, I can pull up your account. '' I gave her my name, she told me she would have to transfer me also, I again I said something to my son. This agent said " who are you talking to. '' I responded with " my son. '' and she disconnected the call. I tried to call back 3 times and each time the call was disconnected. Finally on the fourth try, my son also called from his phone and we finally got the payment sent in.
This feels like they are refusing to take my payments even though I have informed them of the situation and how it relates to Covid-19.
Please help, they are demanding all of my stimulus check before they will reopen my account on the website so I am not charged additional fees to make a payment.
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| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I have been a very long term loyal customer of Hyundai and KIA. I have leased or purchased 7-8 Of their vehicles over the last several years. I have been very happy until now.
Last month I was a victim of a hit and run accident on the freeway which totaled my leased XXXX XXXX. I was on payment 30 of 36. My payoff on my account shows XXXX for insurance claim. My insurance company paid XXXX which is the XXXX they determined of XXXX deductible. Which means I should get a refund of XXXX. XXXX XXXX. Thats how this works in my world. Instead, I get a call that I owe them another {$500.00}??!! What?? They say its for my deductible. They tell me when a leased vehicle is totaled they dont go by the payoff. They apparently can just come up with whatever number they want. Whatever the Insurance company sends them they can say, YAY! I will keep that!! Well thats absolutely ridiculous. I maybe could understand if I had just bought this car but I made all but 6 of the payments which is reflected in the payoff. If I had bought this vehicle and not totaled it this is the amount I could have purchased it for. Whats the difference? I was expecting I would receive a refund to offset some of the down payment I had to place on my new vehicle. We live in different times right now as far as vehicles go. To just be able to come up with whatever payoff you want if a car is totaled is absolutely ridiculous and should be illegal. If its in soma fine print somewhere nobody Pointed it out or nobody would lease m. Its ridiculous. Why would I want a higher claim against my insurance than what I know I owe on a vehicle. Makes zero sense and this company is taking advantage of insurance companies.
I sure hope you can help rectify this situation. I sincerely appreciate your time. I can attach my account showing my payoff that was through XX/XX/15. As well as my insurance company documents. The first rep from your company told me that I shouldnt be able to see what the insurance company buyout quote was so she was going to make a ticket with IT. Thats very shady if you ask me. Cars are far more expensive now than they were 2.5 years ago when I bought this vehicle. I cant buy the same vehicle for the same amount of money. My payment on my new vehicle is almost double.
Thank you for your time!
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| 03/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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Continuing saga of the harassment and incompetence of Kia Motors Finance. Having paid of the full payoff amount the Kia Motors Finance in XXXX ( XXXX ) and provided them ( and CFPB ) copies of the proof of that transaction and copies of the check made payable to them and cashed in XXXX ( XXXX ), the issues with Kia Motors Finance continue to grow. A supplemental check was sent to them, even though their online statement for my account showed full payoff. This online account has been doctored and manipulated in it's current form to remove the evidence of that payoff. They received a check for the same amount as originally paid by XXXX XXXX XXXX XXXX of {$14000.00}. Kia Motors Financed cashed this check again on XX/XX/XXXX. They took this amount and show this in their current online records as being {$13000.00} rather than the correct amount they cashed. They then had the nerve to take {$330.00}, {$420.00}, and {$6.00} from that amount arbitrarily nd apply it to my account as " payments '' even though the full payoff amount was paid in XXXX ( XXXX ). SO, regardless of their unfair and possibly illegal transactions they initiated in house, where in the missing money from the cashed check of {$14.00}, XXXX and {$13000.00} they show in their records?
They also show in their records that they sent me a " refund check '' in the amount of {$310.00} on this same date of XX/XX/XXXX. I have not received any check from them as they claim. I requested a copy of that check and proof of cashing, but they have yet to respond and provide this since it obviously doesn't exist.
They have also refused requests by me and from XXXX XXXX XXXX XXXX to provide the Release of Lien or the Title as required by LAW.
Online records now show " missing '' XXXX ( XXXX ) and XXXX ( XXXX ) entries showing full payoff made and arbitrary and additional payments taken by Kia Motors Finance for payments NOT DUE.
I know CFPB will not take any action except put these continuing complaints and problems with Kia Motors Finance is some obscure database, but hopefully there is an agency somewhere out there that will step in and enforce the law, protect the consumer, or get companies without morals or ethics like Kia Motors Finance to at least be held accountable to for their action against customers.
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| 07/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Good afternoon, In XX/XX/XXXX I leased a XXXX XXXX XXXX, in XX/XX/XXXX, XXXX months before my lease was up I was notified by the dealership that I could turn in my lease early, if I was interested in leasing another vehicle.
I went to the dealership, turned in my leased vehicle, and did a new lease on a XXXX XXXX XXXX.
When I first least the car, in XXXX, I was called back into the finance office, as they stated there was a problem with my lease, I re-signed new paperwork, and never looked at the lease again.
XXXX XXXX XXXX, when I did the new lease, again, I was called XXXX weeks later in XX/XX/XXXX, as there was a problem with my lease paperwork, I went back in and re-signed paperwork again.
Approximately XX/XX/XXXX I was notified By XXXX XXXX XXXX XXXX, that XXXX XXXX over {$3000.00} in excess mileage for my lease.
I specifically, asked for, demanded, a XXXX-year, XXXX mile per year lease, this is the XXXX lease that I have had over the past XXXX years, I have never had anything lower than XXXX miles per year.
The dealership is now stating that that is not what I signed, I am working with Hyundai Motor finance. XXXX, who have a greed to deduct half the charge as I have done my due diligence with proof of photographs from the day I purchased the car, my dollar amount per month with the added dollar amount for extra miles, however, the dealership is absolutely unwilling to work with me.
In addition, today I went to the dealership as I was promised a three-year maintenance service contract with the new car, and came to find out today that there is no service contract on my paperwork, again, I was lied to by my sales person/finance manager Hyundai Motor finance. corporation has an open case pending, and recently sent us to collections, my father, was a cosigner on the first lease they have threatened to take our homes if we do not make this payment.
I would have made the payment, if I had all signed up for XXXX miles a year, the sales person lied, the finance manager lied, in both instances and they are not willing to except responsibility.
I need some assistance in trying to sort this out Hopefully without obtaining an attorney, or blasting them on social media, yelp, the Better Business Bureau, I am beyond frustrated and need some assistance.
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| 01/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchased a XXXX Hyundai XXXX in XXXX. That car came with a defective backup camera and since XXXX, XXXX I have been trying to have that camera replaced through the warranty.
I took to the Hyundai service center in XXXX XXXX, as well as XXXX XXXX, CA.
In XXXX, XXXX Hyundai XXXX XXXX diagnosed as defective and needed to repair, and in XXXX, XXXX when I took my car to have the backup camera repaired, I was told by the XXXX at that location that since I gave them a poor score rate when I received a survey, that was the last time I was going to be allowed at that location, and my repair was not done. I asked them to send the part to the Hyundai Dealership in XXXX, CA, so I could get that replacement over there and they told me that they would get back with me, but I never heard back from them ( XXXX XXXX ). I filed a complaint with Hyundai Motor XXXX and up-to-dat my issue has not been resolved. The last time I heard from a representative named XXXX representing Hyundai Motor XXXX was on XX/XX/XXXX via email. She provided me a number to call at XXXX ext. XXXX. That number and extension goes straight to voice mail and they never return customer 's calls. I contacted Hyundai Corporate XXXX at XXXX on XX/XX/XXXX and spoke to XXXX, and she told me that since complaints are handled by a XXXX party, she could not help me to reach XXXX. I sent XXXX an email on that same day and asked for a call back and as of today ( XX/XX/XXXX ), I haven't heard from her or anyone representing Hyundai. My case number is # XXXX I also had a promotional subscription for XXXX that was set to expire in XXXX, XXXX and I accidently hit the cancel button on XX/XX/XXXX and I immediately called to get that subscription reinstated, since it does not expire until XXXX, XXXX. I spoke several times with numerous representatives and was promised reinstatement, but that was never done. On XX/XX/XXXX I spke to XXXX that said he did put a ticket for reinstatement of subscription and up-to-date I have not heard from Hyundai - XXXX or XXXX any confirmation of subscription reinstatement. I was also told to go online to reinstate subscription, but when I go online, the system does not offer reinstatement and requests XXXX payments of {$XXXX} each. I explained that to XXXX and other representatives.
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| 07/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed a complaint before back in XX/XX/XXXX about Kia Motors Finance. After I filed that complaint the company took the negative marks off and even the debt itself like they said they were. Well they putt is back on in XX/XX/XXXX and this time they put that it was 30-59 days late in XX/XX/XXXX and them 60-89 days late in XX/XX/XXXX on my XXXX report. On the XXXX report they have reported closed and charged off as bad debt. On XXXX, they reported closed deragatory charge off.
Those late payments and bad remarks have caused my credit score to go down over 150 points. I spent over three years to get my credit score over 800 and now it is XXXX. I am hurt because credit is everything and you cant do nothing without it.
I had to once again put my home improvement project on hold because of the bad hard hit to my credit by Kia Motors Finance.
When I reached out to them they told me that because the payment was due on the XX/XX/XXXX of the month and I paid it on the 1st cause them to report 30-59 day and 60-89 days late on my credit and that is so wrong and messed up on so many levels. I did not ask for my car to be stolen or anything to this nature but Kia Motors Finance is making it their priority to hurt my credit and I have been sticking to the payment plan that they gave me. I started with XXXX and now the balance is XXXX but they still feel the need to hurt my credit while I sticking to the payment plan.
I know everything has policies and procedures but my car being stolen out of my driveway was very unexpected and i didnt have XXXX laying around to pay in full. That is why I put myself on a payment plan with them. Every time I call them its new information given to me and new things they keep telling me that I never knew in the beginning.
The car was stolen in XX/XX/XXXX and I am still dealing with this and its like Im still getting punished for something that was beyond my control.
Now when I ask them why did they put it back on my credit after they took it off and they could not tell me why. I am really sick of this. The next payment of XXXX is due on the XXXX. I am not trying to get out of paying. I just want them to report what is correct and have a little XXXX for people that this happens to cause we dont ask for this to happen to us at all.
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| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX and with CFPB as well and they still have not corrected my report. And past reporting to credit. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
With that being said you cant report a charge off and current late payments on a credit report and this is clearly a violation of fair credit reporting. Thats like double damage to credit reporting on me in all credit agencies. I have been disputing this same is time and time again and this is causing a hassles for something that should be deleted because it violates the law of credit reporting by all agencies. And reporting a past due amount on an account that is charged off as well.
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| 05/31/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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HYUNDAI MOTOR FINANCE FORMER ACCOUNT NO. XXXX I am charging HYUNDAI MOTOR FINANCE with LARCENY in the amount of {$2600.00}. This complaint relates to two payments I made one on XX/XX/2019 in the amount of {$950.00} and the second payment of {$1700.00}. I made these two payments in GOOD FAITH and, I thought each of these payments had been applied.
At the end of the lease in XXXX, I requested a print out of my lease history agreement with HYUNDAI MOTOR Finance to review. I discovered these two payments were never applied to my lease agreement. I believe these two payments should have covered nine payments at {$340.00} per month. Because these two payments were never applied to my former lease account, I incurred further interest charges that, also, should be returned to me over the nine payments I made to get ahead on my car payments.
When I complained to The Hyundai Customer Care Center, the customer service represent gave me a difficult time in stating if I had sent these two large payments in ; then, these payments were applied. I responded by stating to her these payments were on reflected and/or credited to my lease payment account.
I, further, spoke to a dispute customer representative who stated to me that I should mailed the front and back of these two checks. I had given him all the required information : date, check number, amount. He could not find either payments doing a payment search on his computer. I mailed them OVERNIGHT to HYUNDAI MOTOR FINANCE CORPORATION/THE PROCESSING CENTER.
I was informed by HYUNDAI MOTOR FINANCE/PROCESSING CENTER that both of these payments would be re-debited to my checking account. This information was stated to me in XXXX. As a follow up, I kept calling HYUNDAI MOTOR FINANCE to state I had not seen these two payments re-debited to my checking account.
Now, HYUNDAI MOTOR FINANCEXXXXPROCESSING CENTER is stating that it had re-debited the two payments to my checking account in XXXX. As of this date, I continue to wait for my overpayments that were never applied to my former account and have never been re-debited to my checking account.
UNDER THE PAINS AND PENALTIES OF PERJURY, my bank, XXXX XXXX XXXX XXXX XXXX, can confirm these two payments were never, ever re-debited to my checking account with them.
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| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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OnXX/XX/XXXX, I contacted a mortgage loan officer to get pre-approved for a home loan. My wife and I had sold our home and were interested in purchasing one on the market. While reviewing payment numbers, we were informed for a delinquent account on our credit report. The mortgage loan officer provided me with information to call and get more information on the account. I called and was informed about the delinquent account. My wife and I were unaware the delinquency existed. I immediately call the creditor and paid the balance of {$420.00} on XXXX and asked for the account to be removed from our credit report. The customer service representative informed me that I would need to call all three credit bureaus and dispute the account. I filed disputes with XXXX, XXXX, and XXXX. The disputed showed that the account was paid in full, but still delinquent. I work in the financial services sector with collection organizations. I reached to the the collection agencies we use at my job to get counsel on how to proceed. They informed me that the creditor is the only party that can remove a delinquent account. I called the company on XX/XX/XXXX. They informed me that they could not remove the delinquency without explanation. They told me to reach out to the dealership and obtain documentation from them on the miscommunication they had provided me when turning in the car. I obtained a letter from the dealership onXX/XX/XXXX. On XX/XX/XXXX, I mailed the letter from the dealership and the a request for the delinquent account to be removed from my credit report. On XX/XX/XXXX, I received a letter from the creditor stating the information was inaccurate and the dispute information is accurate as reported. On XX/XX/XXXX, I called the creditor. I spoke with a women and she told me that due to there policies and procedures, they did do not remove accounts from credit reports. I told her that I have provided the information requested from previous calls. She informed me that this is the dealership 's fault, they provided me with incorrect information. I replied that the dealership takes ownership for the issue as stated in the provided letter. She replied that they would not remove the delinquent account. I am providing documentation to confirm all of this communication.
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| 06/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Leased vehicle was returned on XX/XX/20. Final check # XXXX of {$990.00} was mailed on XX/XX/20 to pay off the remaining balance, posted on XX/XX/20 on their website incidicating payment was received. The withdrawl also appeared on my bank account on XX/XX/20. Shortly after this I have started to receive calls from Kia Motors Finance ( KMF ) indicating my payment was not recieved and there was an outstanding balance of {$990.00}. I spoke to several individuals over the phone at KMF and have gotten very different explanations each time. I was first instructed to wait 7-14 days due to the check possibly not getting posted on their end, even though my bank statement showed the transaction. After this incident I spoke with another individual who requested my check number which I provided and he explained to me they would have a supervisor look into this matter and contact me via phone. I never heard back from the supervisor, each member of KMF indicated they saw the comments from the last employee I spoke with however nothing was done. Most recently within the past few months ( XX/XX/20 ) I was advised I need a copy of the check in order for them to look into this matter. The transaction that took place on XX/XX/20 from my bank indicated my check was converted to an electronic transaction by the merchant. ( KMF ). Due to this I was unable to obtain a copy of the check. I have contacted my bank as well and they only have the transaction that took place on that day. On XX/XX/20 My credit reporting agency alerted me that I am deliquent on this payment. I have once again contacted KMF explaining this charge has already been paid off and I have documents I am willing to send over to support this. However, KMF always gave me the same response now that I need a copy of the check and they were not sure why it got converted to an electronic transaction. I most recently on XX/XX/20 recently filed a dispute with XXXX indicating this information is not correct. On XX/XX/20 I received my dispute back results indicating this information was reported correct however the KMF loan indicates the account as closed but I still show the negative impact on my credit report. Thank you for taking the time to read this, I would like this issue to get resolved as soon as possible.
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| 05/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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On XX/XX/2017, I arrived at the XXXX XXXX XXXX XXXX dealership to discuss the return details of my XXXX XXXX XXXX as well as a possible new lease. After several hours w XXXX who also assisted me in leasing 3 years prior, we agreed on terms that would allow me to begin a new lease on XXXX XXXX as well as cover all closing costs on my XXXXXXXX XXXX plus, any wear and tear fees or other charges that may occur. It was made explicitly clear to me that once I enter into a new lease w Hyundai there would be no further liabilities of any sort regarding the older lease. I spoke with the general manager of the dealership as well, who likewise assured me that the agreement we reached was as I have described. Since all the details had been settled, I left the dealership with a new lease on a XXXX XXXX having fully believed that all my financial obligations for my XXXX XXXX lease had been cleared. In XX/XX/XXXX I received a notice from the co which I had gotten wear & tear coverage from ( XXXX ), that if I wanted to make a claim for coverage on my returned lease I would have to send in certain documentation. Thinking that I was not in need of this coverage because those fees ( if any ) had been covered during the negotiation of new lease, and since I was NOT notified otherwise by XXXX ( XXXX XXXX XXXX ), I didnt apply to receive any compensation for wear & tear charges. Continuing into XX/XX/XXXX I received a call from XXXX telling me that I had a balance remaining on my lease for wear & tear charges. Per instructions from XXXX & XXXX I mailed the documents received by the dealership to XXXX only to be told weeks later that they were incomplete & unacceptable. For the next few months i went back & forth between XXXX, XXXX and XXXX XXXX XXXX trying to resolve the situation. These entities/affiliates did not communicate w eachother, and throughout the process one was always blaming/waiting for the other 's performance. The situation was taking long to resolve and i became concerned due to the fact that a collection agency was involved ( even though i was continuously assured all was well ), i decided to expedite/resolve the matter and ended up paying the XXXX I was later partially reimbursed by XXXX. The following month XXXX put a 90 day late on my credit report.
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| 11/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
Servicemember |
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Kia Motors Finance is trying to unlawfully force me to pay an extra {$7200.00} through XXXX. This is for a vehicle lease that has already been paid in full. On XX/XX/2022, I received the Insurance BUYOUT QUOTE from Kia Motors Finance directly. I immediately forwarded this information to my insurance company, XXXX XXXX, who in turn sent a check for the full amount of {$31000.00} directly to Kia Motors Finance. Kia was incredibly difficult to work with, provided no quote over the phone, and I had to go onto their website to find this information. XXXX XXXX tried numerous times to call and receive the payoff amount and was denied this information. After my fourth call to Kia, someone finally helped me find this payoff information. If you inspect the buyout quote I uploaded, it shows the reason for the buyout quote as INSURANCE, and shows the amount of {$31000.00} as being good through XX/XX/2022. If you look at the next document, it shows XXXX XXXX sent them the payoff of XX/XX/2022, well before the expiration date of XX/XX/2022. They have since tried to change the amount we owe them illegally. They have been harassing my husband by calling his phone number three times a day even though we gave them the correct number many times. When I try to call them back to speak with them, they keep me on hold for hours and then hang up on me, never speaking to me. When I answer a call they make to my husbands phone, its just a recording to call them. They are intentionally not talking with me or working with me. They made it clear either I pay them extra money, or they go after my credit. In a letter they recently sent me, they are stating that they will " charge off '' this amount in a couple weeks and try to destroy my credit. I am a hardworking immigrant and military spouse who has been paying all my legitimate bills on time for years trying to build up my credit and provide a good life for my children. Please help me with this immoral company abusing their power to hurt me and force me to pay unsubstantiated money. I never would have imagined a company as large and trusted as Kia to be so bad. How can a company say they are owed a certain amount, get paid that amount, and then try to change what they are owed after they have been paid??? THIS IS EXTORTION!!!
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| 12/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I leased a Hyundai in XXXX and made every payment on time. I leased another Hyundai, in the summer of XXXX and turned in the XXXX car. As part of the deal, my last few payments on the XXXX vehicle were to be paid by the Hyundai dealer. Apparently, the payoff funds were applied to the new vehicle, instead of the old vehicle. I have no idea if the Hyundai dealer or the XXXX XXXX XXXX made the error. I began making payments on the new car and, still today, make my monthly payment on time.
My credit score took a major hit as 3 payments on the old car erroneously appeared as past due. After much legwork, that I was required to do between the dealer and the finance company ( they would n't do any research, saying it was my problem to resolve ) the finance company agreed that the payoff funds had been received when due and they agreed to remove the late payments from my account. Several weeks later, my score returned to normal.
Later in XXXX, one of the late payments appeared again ( on the old account ) and I filed a dispute with XXXX. A few weeks later I received a notice stating that the information was correct ... .and I then noticed that all 3 late payments were on the XXXX report.
After many phone calls, I was finality able to convince XXXX XXXX that the late payments should be removed again, and I assumed this finally solved the problem.
In the spring of XXXX, I received another notice ( from XXXX XXXX ) that my score had dropped. All 3 late payments were again on my report. Removing the errors took even more phone calls, as I was repeatedly told the data was correct and that XXXX was to blame. I finally reached a reasonable person at XXXX XXXX who saw the full history and actually apologized. I appreciated her help, but stated that I was very concerned with the apparent lack of controls that would prevent this problem from happening again. Knowing that if they did n't correct the source data in their system ( s ), a repeat posting of this data was certainly possible. Unfortunately all this lady could do was correct the data already sent to XXXX.
Today,XX/XX/XXXX I received yet another notice that three XXXX payments were now showing as late ... ... ...
XXXX XXXX is n't open in the evening ... but I will call them again in the morning.
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| 03/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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HYUNDAI MOTOR FINANCE DID NOT CORRECT PAYMENT DISPUTE AS PROMISED YOUR COMPLAINT On XXXX, a payment due for XX/XX/XXXX, in the amount of {$350.00} was submitted from one of my checking accounts, posted, then was reversed. The SAME DAY, I submitted another payment, in the amount of {$350.00} from a DIFFERENT checking account. The 2nd payment posted to my Hyundai account, reduced the principal balance, but the DUE DATE did not update. Hyundai has acknowledged there was a " glitch '', but failed to correct my due date. Hyundai opened a complaint, but no resolution has been made. The funds were deducted from my XXXX XXXX " XXXX checking '' account, trace ID # XXXX on XX/XX/XXXX. Per Hyundai 's own payment history, which they provided to me, my principal balance on XX/XX/XXXX was {$16000.00}, and after the XX/XX/XXXX payment posted, my principal balance was then {$15000.00}. I struggled to make two more payments in the month of XX/XX/XXXX to bring my account current, but my due date has still not been corrected.
ATTACHMENTS Hyundai payment posting discrepancy.pdf ( 104.3 KB ) XXXX XXXX Hyundai XXXX ( 80 KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond.
Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.
COMPANY 'S INTERIM RESPONSE Hyundai Motor Finance requests additional time to research and respond to this complaint.
Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response *******Hyundai Motor Finance ( HMF ) has researched the account of XXXX XXXX and apologizes for any inconvenience. At this time, HMF has given proper credit for the payments made by Ms. XXXX and confirms that the next payment is due on XX/XX/XXXX. Any negative credit reporting related to this issue has been updated. ***************** DESCRIPTION OF NON-MONETARY RELIEF Payments were credited and credit report and due date updated. *********************
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| 07/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased a car through Hyundai Motor Finance ( HMF ) in XX/XX/XXXX. The 5-year auto loan was fully paid off as of XX/XX/XXXX. I have yet to receive a clear title for my car.
I thought it was odd that I still did not receive a title, even after taking into consideration potential processing delays related to Covid. So two weeks ago ( XX/XX/XXXX ) I found out through the DMV website that there was still a lien on my vehicle. I immediately called customer service at HMF, and the rep told me that the title was never electronically released to the DMV. She told me that this would be escalated as a high urgency request and that I should follow up if I didn't receive a title by the end of the week.
I called again on Friday of that week ( XX/XX/XXXX ) and spoke with a rep named XXXX, who then told me that the request was sent to the team handling title releases and it would take 3-4 additional business days to process the release.
I called again on Wednesday XX/XX/XXXX, spoke with a rep named XXXX who transferred me to his supervisor XXXX. She told me that the title department has still not initiated the process of releasing the title and the only recourse is to follow up with them again via email, but there is no other way to directly contact them or escalate the issue further. She kept making excuses that the title department was " extremely backed up '' but given that my car was paid off 6 months prior I don't understand why this shouldn't be a priority request. She said it would take another 7 business days to get my title released.
I asked if HMF would provide compensation in the event of lost value due to the delay ( e.g., if I were to sell my car but I couldn't get my title before the offer expired ). XXXX said yes, but XXXX then said no, HMF does not compensate for such delays.
I checked again today ( XX/XX/XXXX ) and DMV website still says the same thing - there is another lienholder on my vehicle.
HMF did not release title of the vehicle to the rightful owner for 6 months after the loan was fully paid off, and even then, it took my following up with customer service to initiate the process. Furthermore, even after I repeatedly followed up and requested immediate transfer of the ownership rights, HMF is refusing to do so.
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| 01/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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We brought a vehicle back in XX/XX/XXXX. Our son totaled the car months later. Insurance was paid to cover a portion of the vehicle ( ~ $ XXXX ). GAP was to pay their portion ( {$870.00} ) and we were supposed to the remaining amount ( {$270.00} ). However, my son made another payment based on the letter he received in XX/XX/XXXX informing us of the balance. That being said there were issues internally where the money from GAP did not get transferred in time and the account was charged off. As you can imagine our credit score was shredded by over 100 points.
XXXX XXXX agreed that this was their mistake ( " we take full responsibility '' ) as of XX/XX/XXXX ( my wife 's birthday ) but has shown no urgency in making things right. I have personally been dealing with XXXX XXXX of XXXX XXXX ( dealership we purchased the car - in fact we bought 2 cars ).
XX/XX/XXXX ( XXXX ) : In an email thread between XXXX XXXX and XXXX XXXX there was a procedure referenced that informed us the steps that would be taken to fix our credit. This is the exact verbiage - Hey XXXX, The account shows {$0.00} balance as of XX/XX/XXXX.
Once the dispute letter is received and reviewed by the Credit Dispute group, if approved they will notify the customer and all 3 bureaus with an AUD number. The AUD number is the control number/confirmation number where a lender authorizes an edit to the customers credit report. The bureaus will then make the changes. The changes, we are told, typically take 60 90days. If a customer calls the bureau directly with their AUD number, they can request a manual update.
Thanks, XXXX XX/XX/XXXX - We received the refund in the mail on this date. XXXX could not advise us on when we would receive this but continued to tell us he had no information yet he was emailing Hyundai Motors Finance. How does a check come to us and the people he was emailing have one in the system for us and in the mail. Yet, he could provide no details?
XX/XX/XXXX - As of today there is no update on our credit. As mentioned above you can see the steps they were supposed to take but nobody can advise us with an update nor an AUD number. In fact, my son got a call today stating the very opposite. That Hyundai WOULD NOT be able to do anything to repair our credit.
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| 09/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Kia Motor Finance Company is not allocating the correct interest to the principal. There has been numerous contacts made to Kia to fix this and they have yet to fix the error. Each rep that has been spoken to has acknowledged the error, to include supervisors and stated to wait '3-5 days for corrections ' and each time nothing has been corrected. Spoke with XXXX on XXXX XXXX to ask why the fees hadn't ever been calculated correctly and she stated because 'you will have to pay {$2500.00} a month for any of the payment to go towards the interest. ' Of course we knew this was wrong but for her to say it more than once, we decided to check our contract -which we can not locate on the web nor received-and call back. At this time, we had begun to make payments ( over-payments ) weekly at the time but the interest rates were not correct nor was the principal going down. Spoke with XXXX on XXXX XXXX who also saw the discrepancy ( to include giving us the interest rate XXXX and stated she was escalating the case and it would take XXXX days. No changes were made. On XXXX XXXX, spoke with XXXX who also stated she saw the discrepancy and stated she would escalate it and to give them 3-5 days. No changes were made. XXXX XXXX called back spoke with XXXX who claimed that he was looking into it, hung up but never called back although he asked at the beginning of the call for the call back number in the event we were disconnected. Called right back and spoke to XXXX who also saw the discrepancy. She escalated it to supervisor XXXX who also saw the discrepancy and he stated the same as the others, he would escalate it but only he said to the supervisor of the department and allow the 3-5 days. The supervisor was informed that a change needed to be made or we were going to take further action to include possible class action. No changes have been made as of yet. This is absurd! If they are doing this to us I'm sure they are doing this to millions of their 'consumers ' This is not only robbing us blind, it is effecting our credit scores by showing higher balance due which is not the case. Also, with this being said, the current interest is not only not calculated correct, it should be lower by now. This has to be stopped! They need to be investigated.
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| 04/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot.
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional compensation on XX/XX/2019 ).
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us.
Hyundai Motor Finance, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us.
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or Hyundai Motor Finance and sought recovery through insurance once the claim was accepted.
We spoke with Hyundai Motor Finance ( XXXX ) on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway.
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing.
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by Hyundai Motor Finance in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.
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| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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This is a follow up to complaint XXXX.
I have contacted the XXXX department of revenue as well as the XXXX XXXX clerk ; neither have any record of any communications from hyundai. I called Hyundai motor finance this morning and was told that titles had been sent to an office in XXXX Georgia ( for some reason ) and the XXXX department of revenue weeks ago. None of that appears to have happened. I was told that the note said they were missing some information, but they had no idea what that information was specifically. I was then transferred to someone who specializes in titles, but after 11 minutes on hold I was hung up on.
I called again and was connected to someone who specializes in titles ( but who does not actually work in the titles department ). Apparently no one can contact the title department for anything at any point, so what they might need or what they might have is purely speculation on the part of whoever answers phones. I was then told that they did in fact have the address for the county clerk 's office but they had no idea when a title might be sent. They also stated that they could not even send an email to the title department to ask. This title specialist had absolutely zero information about my title. I've been trying to register this car for months and have repeatedly sent Hyundai the requested information. Despite this they say my request was initiated on XX/XX/XXXX which email communications with Hyundai show to be completely untrue. I asked for legal department information so I could send an intent to see notification and of course they neither have a phone number nor an email address. Their only contact is a physical mailbox in california.
I had multiple messages in my Hyundai America messaging center showing that I had sent duplicates of the requested information, however they appear to have somehow disappeared since I submitted my last complaint.
Forums are filled with similar things, Hyundai has absolutely no interest in correcting this problem or making it easier for consumers. I'm in the market for three more cars for family members and despite liking my car I have crossed Hyundai 's completely off the list. After hearing how difficult this has been several friends have bought XXXX instead.
|
| 02/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/XXXX, I received an email from XXXX that I had been marked delinquent on a Kia Motors Finance bill. My credit plummeted more than 100 points. I turned my Kia in that past XXXX for a XXXX. I called Kia the second they opened on Monday and it turns out I had a {$120.00} payment from something that they screwed me over with for not returning it to them.
I paid it right then and there and then asked for it to be taken off of my credit because I had absolutely no contact from Kia that I had owed anything. They asked me for my address and I gave it to them and they told me that it didn't match my address on file. They had my old apartment address. However, I had in my hands ( miraculously saved ) a lease end kit that they had sent to me at my house -- -thus proving that my address was SOMEWHERE at Kia , They told me I could write a letter to dispute, but there is no phone number or email address to get in contact with the credit department XXXX I did that day and also opened a dispute with XXXX.
Both disputes came back saying that they were not in the wrong and that it will stay on my credit until XXXX of XXXX. I have 6-8 years of on time lease payments to Kia. I paid that bill the second I knew about it ( from XXXX, never from Kia ). I have NEVER missed a payment on anything. At one time, there were five Kias in my family 's driveway. I called the number at the bottom of the Kia letter and was told that a manager would call me back in 24-48 hours.
A very rude manager called me back and basically told me it was my fault for not changing my address and they had searched the system to send me the lease end kit, but could not answer my question as to why that same courtesy wasn't given when I was not responding to a bill that was way less than my lease payments. She told me I could open a credit dispute with XXXX and in the middle of telling her that I had already done that she claimed that she could no longer hear me, jumbled out an 800 number with no warning and hung up. I called back the number that had called me, talked to a lady that gave me another number to call, and called that number. That woman told me that the original manager was giving me the number to the credit union and that she disconnected the call.
|
| 05/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
I filed for Chapter XXXX bankruptcy in XXXX XXXX, but I indicated to my lawyer and my car loan company that I intended on continuing to pay on my XXXX XXXX XXXX car loan through Hyundai Motor XXXX. However, once my bankruptcy was filed Hyundai Motor XXXX made it impossible to pay my auto payments online or over the phone. The first payment attempt I realized that they had locked my options on my online access for my loan, so I could not pay on my loan. It listed a XXXX number to call so I attempted to call it to make the payments, but the number would ask for my account # then ask if I had a direct extension number or wait on the line to be connected to representative. However, after it transferred me to another extension it would immediately disconnect the call. I tried numerous different Hyundai Motor Finance numbers, but it would always transfer me to this number if I put in my account #. Finally, I tried a different number without disclosing my account number and I was connected to a representative. I was able to pay my XXXX monthly payment, but the representative I was transferred to indicated that I would not have online ability to pay on my account until I signed an reaffirmation agreement for the loan. The representative indicated that XXXX had been sent to my attorney, and I needed to sign it before they would resume normal payment processing with me. Additionally, she said that this was required by law due to the court stay for the bankruptcy proceedings? Since that time I have been unable to get a representative on the phone and the reaffirmation agreement was never sent to my attorney as they indicated that it would. My attorney has indicated that he has never received any reaffirmation agreement from XXXX, and he disputes that the stay would have required XXXX to lock me out of my online account. The stay ended a few days ago and now I do have access to my online account again, but the payments required and late fees have stacked up making it very difficult to catch the loan account up to date. I believe Hyundai Motor Finances actions were both unethical and dishonest, and quite possibly illegal. I only wanted to maintain my loan with them but I believe they are trying to push me into a repossession situation.
|
| 07/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2020 I made a payment in excess of what I owed on my vehicle loan. The payment was for {$620.00}. For whatever reason, the payment was not applied to my account, I contacted the company immediately, but they have a procrastinated, terrible, and antiquated way of communicating.
On XX/XX/XXXX, I spoke to one of their CAT agents, who was supposed to resolve the billing issue, ensure no back interest, late charges, etc.
I was advised it would be resolved within 24-48 hours. It never was.
Ive been communicating to Hyundai via their XXXX attempting to engage someone in their executive leadership team, because this practice is violating federal and state laws governing Fair Debt Collection practices. And this is an egregious example of such, I had to instruct the collections Dept. of this company to suppress credit reporting, or Ill initiate an immediate lawsuit for violating the above rights I hold as a consumer, and for violating my vehicle contract.
I have since made multiple efforts, multiple emails, multiple calls, and multiple messages to their corporate twitter.
In all instances the matter continues, is exacerbated by them telling me Im delinquent or routing me to their internal collections team, then telling me their trying to collect upon a debt I do NOT owe them.
This is not only illegal, its despicable.
The company agent advised me that their was an internal billing system change/update, which caused this problem not just for myself but for countless customers.
Hyundai took NO action to notify customers affected, nor did they attempt to inform customers that they would take proactive actions to mitigate inappropriate, and or unlawful collection calls or attempts, especially for debts that are not in a collectible state.
As of today XX/XX/2020, their rude customer service agents still have not resolved this issue.
I will NOT be making any payments to my account, until this issue is resolved, and if Im charged late fees, or added interest beyond my normal due date, that will not be remitted to this company.
Ive been speaking to your agents whom are paid by your consumers, such as myself, and this issue is unacceptable, likely illegal, and will not be tolerated by this consumer any longer.
|
| 02/18/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
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On XX/XX/XXXX, we went to XXXX Hynundai to see the XXXX XXXX XXXX. We had been leasing a XXXX model from them and it was up in XXXX of XXXX. We were talked into taking advantage of the year end lease incentives by turning the XXXX model in early and getting into the new lease. The dealership said they would make the 2 remaining payments, which is common practice. So we took advantage and leased the new vehicle .In XX/XX/XXXX, we received a letter and bill stating that we owed lease payments on the XXXX model for a total of XXXX. I immediately contacted the dealership, spoke to the Finance Dept who told us they would take care of it. I received no further communication from Hyundai so I assumed it was handled In XX/XX/XXXX, I received a credit report update that showed our credit score had been reduced by XXXX points specifically because of the " non payment of the lease payments '' I contacted Hyundai Finance corporate and spoke to a " XXXX XXXX '' at XXXX XXXX in NJ.
He looked into it and told me he couldn't understand why this was happening since he showed that they had received the 2 payments from XXXX Hyundai. He needed to consult with upper mgmt and asked me to call him next week. When I tried to reach him,, I was unable to and the Hyundai finance person I did reach refused to talk to me saying it was in the hands of the collection agency so call them.
I did and even though I sent them documentation from the the dealership showing there was nothing else owed, they claim we still owe {$370.00}. XXXX XXXX said he showed 2 payments from the dealership ( one for {$400.00} and one for {$370.00} ), so why do we still owe?
He said the first one was received on XX/XX/XXXX and the copy of the check Hyundai gave me is dated XX/XX/XXXX. So where does another payment come from?
XXXX XXXX sent all the documentation to Hyundai Motor Finance but they still claim we owe the {$370.00}. XXXX thinks it is possible that Hyundai, misapplied the one payment to the new lease, and we would still have to pay the {$370.00} but it would probably come off the end of the new lease. Not Acceptable. We don't have a lot of money and like many people now are struggling during this pandemic.
Appreciate any assistance you can give with this..
|
| 03/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On my XXXX statement Hyundai Motor Finance ( HMF ) started charging me sales tax on my leased vehicle ( following my move from MD to NM ). However, since I initially leased my vehicle in MD, I paid all the sales tax on the full purchase price of the vehicle up front. I started calling HMF in XXXX to resolve this issue, and now, in XXXX of XXXX, they STILL have not removed those fraudulent charges.
Back in XXXX of XXXX I was told by someone in Customer Service that all I needed to provide was documentation from the NM DMV to prove that I owed no tax on the vehicle. I faxed that documentation ( my Application for Vehicle Title and Registration ) on XXXX and called shortly thereafter to confirm it was received by their sales tax department. That document ( signed by the MVD ), explicitly states that the tax due on my vehicle is {$0.00}. However, on my XXXX statement I was AGAIN charged sales tax.
At this point, I have been lied to numerous times by different people working at both HMF Customer Service as well as their Collections department. I have been told at various times that they are collecting sales tax for the state of NM, the XXXX XXXX XXXX XXXX, and even the state of MD. None of those are true, as evidenced by both the DMV documentation I provided, as well as the fact that HMF started charging me this additional fee in XXXX of XXXX, while the vehicle wasn't even registered in NM until XXXX.
Now HMF has escalated to harassment - I get calls almost daily from their collections department, and when I try to reach back out to Customer Service to figure out why they haven't removed the illegal sales tax charges, I always get routed to Collections. Even worse, when I talk to Collections and ask them to transfer me to a Supervisor or Customer Service, they tell me they won't unless I pay the " past due '' amount. Now I am literally being extorted for {$90.00} just so that I can talk to Customer Service and ask them why they haven't done their job.
In short, HMF has been dishonest, harassing, and illegally charging me for " sales tax '' for over 6 months. I need help resolving this issue, because HMF is unwilling to acknowledge the fact that they are extorting me for money that I do not owe the state of NM.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. Hyundai Capital America is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Hyundai Capital America is the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and Hyundai Capital America, whether it be verbal, non-verbal, written, implied or otherwise is revoked. Hyundai Capital America and XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to Hyundai Capital America, in which they have not responded to. The law states that the company has 21 days to respond and they have not, as of yet.
|
| 08/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I submitted a Cease and Desist letter to XXXX and in that letter I stated that stated that as the Original Creditor 15 USC 1692a ( 4 ) That I do not owe the debt. I have made numerous calls to them requesting information on the Original Creditor to whom they claim the debt is owed in accordance to 15 USC 1692g ( a ) 5 they have failed to provide that information despite numerous attempts to have those records sent. I have made several complaints which CFPB refuses to look into despite the many violations of the debt collector and their continuance harassment, threats to confiscate my property and their use of abusive language. I have sent a recession and that was ignored as was all other correspondences I've sent to them. XXXX CONTINES TO SEND XXXX LETTERS ALLEGING THAT I OWE A DEBT DESPITE THE CEASE AND DESIST XXXX IS REFUSING TO ADHERE TO AND ADDRESS THE DEMANDS SET FORTH IN THE CEASE AND DESIST CFPB continues to close this case without further investigation! This is a direct violation of the enforcement authority of your organization : Enforcement Authority CFPB is authorized to conduct investigations to determine whether any person is, or has, engaged in conduct that violates Federal consumer financial law.16 Investigations may be conducted jointly with other regulators,17 and may include subpoenas or civil investigative demands for testimony, responses to written questions, documents, or other materials.18 CFPB may bring administrative enforcement proceedings19 or civil actions in Federal district court.20 The Bureau can obtain any appropriate legal or equitable relief with respect to a violation of Federal consumer financial law, including, but not limited to : Rescission or reformation of contracts.
Refund of money or return of real property.
Restitution.
Disgorgement or compensation for unjust enrichment.
Payment of damages or other monetary relief.
Public notification regarding the violation.
Limits on the activities or functions of the person against whom the action is brought. Civil monetary penalties ( which can go either to victims or to financial education ). CFPB has no criminal enforcement authority.
16 Sec. 1051 17 Sec. 1052 ( a ) 18 Sec. 1052 ( b ) and ( c ) 19 Sec. 1053 20 Sec. 1054
|
| 02/05/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Hyundai Theft of {$370.00} Hyundai Acct # XXXX Tell my Story First, I am a XXXX on a SSA small fixed income that gets to me on the first week of each month on a date from XXXX to the XXXX. My XXXX XXXX was picked up/delivered on XXXX XXXX but Hyundai required my lease date to be back to a XXXX due date for payments, not for when I started or made my first payments on this car. For about 1 1/2 years Hyundai Motor Finance harassed me routinely that by mail my payments were getting to them beyond their purposely shortened due date and grace period which was unchangeable on the XXXX of each month. This then caused me to mail checks to them early than the XXXX and without coverage money in the bank. They seemed to say pay on time or they would hurt my very good credit rating. So I wrote checks to them BEFORE the money was in my checking account.
I constantly requested to them by mail to consider a longer GRACE period for me extending the due date in their programming that was causing all this harassment. They did nothing but harass me more. NOW in XXXX I saved enough money to make my {$180.00} monthly payments fully funded, early and get there faster thru banking AUTOMATIC payments that according to XXXX XXXX took only XXXXXXXX days to get to Hyundai in Texas. So if I could determine how long this would take automatically so it got there by any months XXXX date. I would go automatically by computer transfer.
Because of Hyundai continuous harassment up to this automatic change I had to change the send date 3 times before anything was suppose to happen. Instead it ( XXXX ) was factually sent 3 times to Hyundai on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX ( bank records are available ) or 3 times XXXX. It should be obvious to anyone that only XXXX {$180.00} would pay my each month payments but not Hyundai they now claim they felt these XXXX close date payments by me was wanted for advance payment ( that is the thinking of pure incompetence ) so they rolled this in to the months lease payment rather than questioning me or mailing it back to me. STEALING was a lot easier to do and then to continue their harassment of my fixed government income. They now totally REFUSE to pay back this stolen {$370.00}
|
| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I co-signed with my granddaughter on the lease of a XXXX XXXX XXXX. I was aske by the dealer, XXXX XXXX in XXXX, Az to co-sign with my granddaughter on the lease to get the best rate and payments. While applying in my granddaughters name for lease approval I only noted later that the dealer actually placed me as the lessee when the following issue arose. On XX/XX/XXXX my granddaughter took her vehicle to the local XXXX dealership XXXX of XXXX XXXX, NC. to work out payment arrangements on her car which we knew was considerably over the allowed mileage even after extended lease renewal. The salespersons at the dealership told my granddaughter they would take care of the lease turn-in and proceeded to sell her a new vehicle. They then reported her old vehicle as an abandoned leased vehicle somehow removing my granddaughter from the old lease and converting the lease to me as the leaseholder and coordinated the lease turn-in with Hyundai Motor Finance ( HMF ) /Hyundai Finance Company ( HFC )/ Hyundai Capital America ( HCA ) .With no contact with me the vehicle was processed by HMF/HFC/HCA with a value of {$6800.00} and I am told by HMF/HFC/HCA sold with a {$14000.00} balance due after penalties and fees . ( I could have and would have paid for the vehicle had I known it was being sold as it was worth {$6800.00} ). While HMF/HFC/HCA had been in contact with me the entirety of the lease term if there was any issue they indicated they couldnt contact me about the lease turn-in issue. They never bothered to simply ask my granddaughter how to contact me, neither the dealership nor the finance company. Or to just contact me with the email address they had been using for years. I found out about the whole process when I noted my credit score had dropped and could not figure out why. After several contacts with the HMF/HFC/HCA XXXX the dealer and finally two complaints with the XXXX I noted that HMF/HFC/HCA was reporting the issue as a leasing write-off and I dropped the active pursuit of resolution. I am now getting a new home mortgage and am being told that this reporting is having a negative effect on my credit score and thereby loan worthiness. Sure would appreciate your help with this issue. Thanks
|
| 09/29/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I turned in my lease on XX/XX/XXXX and received a bill from Hyundai Motor Finance in XX/XX/XXXX. I tried contacting the dealership for help, because my husband has been out of work since XX/XX/XXXX due to Covid-19, and the dealership never contacted me back, this went on for over 2 months. On XX/XX/XXXX, I finally spoke to a manager who basically told me too bad nothing I can do for you, you have to deal with Hyundai Finance. I have had nothing but issues with this XXXX XXXX XXXX, I was more than happy to end my lease early. On XXXX XXXX, I contacted Hyundai Motor Finance, I spoke to XXXX XXXX, he told me there was nothing they could do to help, that it could possibly be sent to the credit bureaus once the account hits 90 days. I explained to him about my husband being out of work due to the pandemic and receiving less than $ XXXXweek, after about 30 minutes XXXX XXXX told me to call back at 90 days, XX/XX/XXXX and they could offer me a settlement. On Friday, XX/XX/XXXX, I noticed my credit score dropped 47 points I was furious, I called Hyundai Finance again on XX/XX/XXXX, received a settlement amount of {$470.00} and paid it off ( after having issues-4 phone calls before actually getting the XXXX XXXX number ). Every other business is working with their clients/consumers during Covid-19 except Hyundai Motor Finance. Hyundai Company only cares about money, they don't care about their customers needs.
I would like to have my credit score fixed and this negative report taken off my credit reports. I attached the 2 letters ( 3 pages ) I received which neither says anything about reporting to the credit agencies prior to 120 days. I have submitted a complaint to XXXX on XX/XX/XXXX and to date, Hyundai has not replied to them.
On XX/XX/XXXX, I called Hyundai Motor Finance to be sure my balance was zero and XXXX told me I had a balance of {$110.00}, according to XXXX, she is submitting a waiver for the {$110.00} and I will receive a letter stating my {$0.00} balance. I could not believe that they had not cleared this up since I paid the settlement amount on XX/XX/XXXX. As of today, XX/XX/XXXX I still haven't receive any confirmation my account is zero.
Please help!!
Thank you in advance for your help.
|
| 06/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
Re : Account XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from Hyundai Finance XXXX The amount financed was XXXX at 5.75 % APR, to be paid in 60 months starting on XX/XX/XXXX. Payments were in the amount of {$380.00} a month. To be clear, this was NOT a lease! On XX/XX/XXXX, the car was involved in an accident, which was a total loss. Our insurance determined not at fault and began the process of paying off Hyundai Finance. I made the XX/XX/XXXX, payment and the XX/XX/XXXX, payment waiting for the process to conclude. In XXXX, my insurance received a payoff amount of {$20000.00}. This amount was given before Hyundai Finance received our XX/XX/XXXX payment. On XX/XX/XXXX, I received a letter from Hyundai finance informing us that they have not received payment from our insurance for the total loss in the amount of {$19000.00}. My insurance XXXX a check for {$20000.00} on XX/XX/XXXX, which was the amount originally quoted and didnt not include the payments I had made. Shortly after the title was released by Hyundai Finance to XXXX XXXX XXXX in XXXX, IN. To my surprise, on XX/XX/XXXX, I received an email letter from Hyundai Finance informing me that there was a remaining balance due of {$1900.00} and that the payoff amount was {$21000.00} and all they received was {$20000.00}. I called immediately to get information as to why I owed anything and for Hyundai Finance to explain the situation. How can this be possible when I only financed XXXX and on top of that I made two payments? Why did you release the title if there was a balance? Hyundai Finance does not have a logical explanation as to where this amount came from. In the meantime, Im told that Im now on collections and that this will be reflected on my credit report. I have called countless times, too many to remember, and every time no one knows where this balance came from, or Im told something different, and you escalate the situation to a manager who is supposed to call me in 2 or 3 days. The manager never calls, and when I call again, you have no record of the escalation, or my concerns, and the process starts over again. Im getting the run around and no answers. Im getting no resolution.
|
| 11/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have tried XXXX times to move my due date. I finally spoke with a XXXX on XX/XX/XXXX who said he would process my request to move it somewhere between the XXXX of the XXXX This was to be completed by the XX/XX/XXXX ( on a recorded line ). I have been very up front with KIA finance with the fact that the due date change is to align with our paydays. If they do not change it, then we will always incur fees because we can not make it within the XXXX XXXX grace period. At no point did KIA say I could not change the date, just that I needed to wait until eligible, a date they did not provide, and no one at KIA finance will speak to it, and they change the qualifications for it every time I call. Below is there quoted language from a previous CFPB complaint about the same issue. As you can see there is no indication that I can not change the due date, or a definitive answer on when I am eligible. I called today XX/XX/XXXX to inquire about my due date update, they said it was denied, and that I was delinquent and needed to pay. I asked why it was denied, they transferred me XXXX times and no one would tell me why, and I have not recieved anything in writing both of which are illegal. I am asking KIA finance to update my due date XXXX last time before I seek legal representation, all their calls are recorded and there is ample evidence in those calls that I have recieved multiple answers, wrong info, and even been ignored, hung up on, and transferred without notice. KIA finance is giving me the runaround, and they are not being honest. I requested the due date change before my payment was due, and they are slow rolling the process until after my due date in order to deny my request, I am sure this is also illegal.
Company Response on due date change : " While Kia Finance America ( KFA ) is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to KFAs willingness to provide him a due date change for his XXXX payments. On XX/XX/XXXX, KFA spoke with XXXX XXXX, who inquired about a due date change for his XXXX payments. XXXX XXXX was advised that due to his previous due date change request, he would need to call back once his account was again eligible for a due date change. ''
|
| 07/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Hyundai Motor Finance XXXX has failed to provide me with the title to my vehicle after I exercised the purchase option under the lease.
1. I exercised the lease buyout option in late XXXX, 2021, sending Hyundai the full amount of the buyout. I also mailed them the odometer statement at the same time.
2. Hyundai acknowledged receipt of my payment and credited my account on XX/XX/2021.
3. On XX/XX/2021 I called to inquire about the status of my title. Hyundai said they had not received the odometer statement, so I faxed it to them at the number they provided.
4. On XX/XX/2021, I called to see if they had received the fax. Hyundai said they had not, so I faxed it again to the number they provided. They told me that the title department was " backed up. '' 5. On XX/XX/2021, I again called to inquire about the status of my title. Hyundai again told me they were waiting on the odometer statement. They suggested emailing it, which I did.
6. Later on XX/XX/2021, I received an email back from the email address I had been given indicating that it was not the correct email address, but that they would forward it to the correct department. When I explained that this was the email address I was given, the reply I received said " I understand and apologize, the change is recent and was made so the lease buyout team can receive emails from external sources. The volume in the titles inbox was beginning to become unmanageable with items we have to forward to internal teams. Customer service is still adjusting to the change. Thank you for your understanding and patience. '' 7. I have followed up with calls every few days since. Hyundai still has not indicated that they have received or processed the odometer statement.
8. Since I exercised my buyout right, I have moved out of the state where this vehicle was originally registered. I am unable to register or title the vehicle, as I am required to do by law, in my new state of residence without the title.
9. Hyundai refuses to provide any assistance on this matter. On my calls to customer service they literally tell me " there is nothing we can do. '' I have sent the odometer statement to them four times, three different ways ( and verified receipt ).
|
| 01/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
Older American |
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In the process of refinancing my XXXX XXXX XXXX I made the payment due XXXX XXXX on the due date the loan refinance by XXXX XXXX was paid loan in full XXXX XXXX according to the amount they were given and the XXXX statement which shows the payoff amount. I am due a refund of that XXXX payment for XXXX. I have made several calls to Hyundai Motor Finance Customer service regarding the refund overpayment made of {$390.00}, I have Never received a phone call text email or letter from hyundai Motor finance nor any communication regarding my request all calls and mail were initated by me with no response a copy of my certified mail receipt via postal mail are included in my documents, I got no response to that certified letter I sent to their corporate office. My bank statement shows the payment taken from my account. Hyundai Motor sent an email acknowleging the monthly payment made XXXX XXXX for {$390.00} as well as the full payoff of {$19000.00} XXXX XXXX Below is the Call log of phone calls I made to Hyundai Motor Finance each time I was told they would look into it I never got a call email letter or any response.
XXXX XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXXcalled also sent certified letter to corporate office requesting refund XX/XX/XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXX with Supervisor XXXX told me escalating my case to payment processing center XXXX XXXX called XX/XX/XXXX, XXXX with XXXX XXXX said excalating XXXX XXXX for refund to payment processing center XX/XX/XXXX, XXXXSpoke with XXXX customer service I asked for supervisor or manager transferred me to XXXX she told me my case was closed no refund was due my payment of {$390.00} was part of the payoff amount for my loan she gave me the case # XXXX. I am a XXXX yr old senior on a fixed income I feel humiliated ignored and abused disrespected as a customer I never missed a payment never late with my account with Hyundai Motor Finance would never do business with them again or advise anyone I know to do so, I know I am just one person they are a large corporation but they should not be allowed to treat people the way I have been treated. I just want what is owed to me. They just wanted me to sit down shut up and go away!!!
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| 06/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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HAVE REACHED OUT TO THE DEALERSHIP ABOUT THIS ISSUE.I JUST FOUND OUT THAT I AM BEING CHARGED A PER DIEM RATE IN THE AMOUNT OF 9.22 % IN ADDITION TO THE 8.25 % XXXX. ALSO I ASKED FOR AN EARLY PAYOUT QUOTE. THE QUOTE WAS FOR THE TOTAL DUE AS IF IT WAS FOR THE FULL TERM. WHICH INCLUDES INTEREST RATE. I MADE AN EFFORT TO SPEAK WITH THEM TODAY AND THEY REFUSED TO SPEAK TO ME BECAUSE I AM ONE DAY LATE MAKING MY MONTHLY PAYMENT. A PAYOUT QUOTE SHOULD NOT BE THE SAME AMOUNT FOR 75 MONTHS IF I HAVE ONLY HAD THE CAR SINCE XX/XX/XXXX.
THE PER DIEM CAME TO MY ATTENTION AGAIN ON YESTERDAY WHEN I WENT TO SEE IF I COULD TRADE IT IN FOR A XXXX TO GET A CHEAPER RATE. XXXX XXXX STATED THAT SOMEONE SCREWED ME OVER ON THE PREVIOUS DEAL AND THAT I AM OVER {$24000.00} IN NEGATIVE EQUITY IN THE XXXX XXXX BECAUSE OF THE PER DIEM ON TOP OF THE YEARLY 8.25 % INTEREST RATE.
I AM PAYING OFF THE XXXX THAT I PREVIOUSLY OWNED AND THE DEFECTIVE XXXX XXXX. I WAS CLEARLY UNDER THE IMPRESSION THAT I WAS CARING OVER THE NEGATIVE EQUITY OF THE CAR.
IF YOU LOOK AT THE CONTRACT THERE IS NO MENTION OF HAVING TO PAY A DAILY PER DEIM FEE IN THE AMOUNT OF {$9.00}. I WOULD HAVE NOT AGREED TO THESE TERMS. IT IS THE SELLERS LAWFUL DUTY TO PROVIDE ALL COST THAT IS TO BE PAID IN THE CONTRACT. THE CONTRACT THAT I HAVE IN HAND DOES NOT MENTION, LIST, OR STATE DETAILS OF A PER DIEM.
IN ADDITION I WAS UNDER THE IMPRESSION THAT XXXX XXXX WAS PAYING OFF MY XXXX XXXX XXXX AND I WAS GOING TO BE UPGRADED TO A XXXX XXXX XXXX, IN XXXX OF XXXX. AFTER HAVING THE CAR LESS THAN TWO WEEKS THE PAINT STARTED TO FAIL. THE CAR WAS IN THE SHOP FOR 28 DAYS. AFTER RECEIVING THE CAR BACK THE PAINT WAS STILL WITH DEFECT, IN XXXX OF XXXX THE SUNROOF FAILED TO OPEN AND CLOSE PROPERLY. I TOOK THE CAR TO XXXX XXXX WHO GAVE ME A RENTAL CAR WHILE THE SUNROOF WAS BEING REPAIRED. XXXX THE SALES PERSON STATED, " THIS CAR IS GIVING YOU TOO MUCH PROBLEMS. WE ARE GOING TO GET YOU OUT OF IT. '' BY XX/XX/XXXX, I WAS IN A XXXX XXXX XXXX XXXX. I WAS HAPPY WITH THE CAR BUT WAS NOT AWARE THAT THE DEALERSHIP HAD CARRIED OVER NEGATIVE EQUITY FROM THE XXXX XXXX, I WAS UNDER THE IMPRESSION THAT I WOULD BE EXCHANGING THE CARS BECAUSE OF THE DEFECT IN THE PAINT AND SUNROOF.
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| 01/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I cosigned with my daughter-in-law for a car loan through XXXX XXXX XXXX in Arizona in the summer of XXXX. My now my ex-daughter-in-law will not take financial responsibility or even sign off on a voluntary transfer ( although I know her work address in Michigan where a process server could find her ). XXXX XXXX XXXX informed me that abandonment could be completed to accomplish removing the vehicle from my debt, so I requested to process an abandonment on XX/XX/XXXX. At that time, I reminded XXXX XXXX XXXX that I had already updated the vehicle location with them when I dropped the vehicle off in mid-XXXX at the dealership in XXXX where it was originally purchased. The dealership provided me the courtesy of dropping the car off there, since I explained to them that I was selling my Arizona home in two days and was leaving the state. The dealership is located in XXXX, AZ.
I am looking for a document to prove that I have surrendered and or abandoned the XXXX, but when I called XXXX XXXX XXXX today ( XXXX ), they told me that they do not know the whereabouts of the car and the case is closed!
XXXX XXXX XXXX provided me with the vendors number ( XXXX XXXX XXXX at XXXX ) to pick up the vehicle, but XXXX XXXX said that the vehicle was not at the address, and they received a cancellation order.
XXXX XXXX XXXX denies knowledge of the whereabouts of the car, although the Hyundai dealership informed the XXXX Police that a repossession tow occurred.
The Town of XXXX Police Report is XXXX and the officer in charge can be reached at XXXX. I am also making a report to the AZ Attorney General, because failure of XXXX XXXX XXXX to protect their collateral once informed of the vehicle 's location at the dealership has resulted in a misplaced vehicle. I am unsure if the vehicle is lost due to error fraud, but a misplaced car could be used in criminal activity, especially as close as Arizona is to XXXX.
I understood I would receive a XXXX for cancellation of debt income in the full amount of the unpaid loan, but now that the car is lost, XXXX XXXX XXXX has lost the opportunity to sell the car at auction to remedy their ability to collect on the loan which affects consumer finance.
Thank you!
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| 02/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This complaint is against company " Hyundai Capital America Dba Hyundai Motor Finance, Kia Finance America And XXXX XXXX XXXX XXXX XXXX XXXX In Utah ) '' who reported numerous systemic errors to consumer reporting companies and failed to help when asked to investigate this matter.
These are the ways i asked for help to investigate issue but no response/resolution was given to me.
1. Called finance customer service atleast 30-40 times.
2. Sent a US Postal letter to company explaning the issue ( Attached ) 3. Spoke to local dealership about this issue.
1. 1st of all, Customer service clearly mentioned that " communication was being sent to wrong address '' yet they reported balances. As it was at the peak of COVID ( XXXX XXXX ), not knowing what to do, i waited for official communication which was being sent to wrong address as their system had misinformation. I keep checking my account but no information is given.
2. In multiple customer service calls, they mentioned to me that " we don't know howmuch balance is and that i need to wait ''. I kept calling but they never communicated to me about balance.
3. after few months, i was told " balance is XXXX amount '' and i immediately paid off and clearly asked " if there is any left ''. they said NO.
4. After few months, got a collection notice that " there is still balance ''. I called finance customer service again and informed about " not getting any communication '' and surprised to know from customer service that " they still have wrong address on my file ''. I paid off balance again and askd to send " PAID IN FULL '' letter as a backup.
5. Even to get " PAID IN FULL '' letter, i had to call multiple times and in the end, after 3-4 weeks, finally got the " PAID IN FULL '' letter ( attached ). This happened in XXXX XXXX this overall process, costed me so much of mental pressure in addition to that Global crisis COVID tensions and my credit score drastically down around XXXX points.
6. Now, after 2 years, i again got a letter from collection agenecy that there is still {$75.00} balance due. Again, i didn't get any communication from KIA but direct from collection agency. my credit score already down XXXX points yesterday.
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| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XX/XX/2023 Applied for Hyundai Loan. Consented for Credit report must be pulled just on this date ( applicable to just for 10 minutes, due to the situation that we were forced to purchase a vehicle at XXXX XXXX on XXXX ). Hyundai used a CREDIT SCORE ( no model name ) to price against FICO SCORE leading to credit discrimination XXXX XXXX leveraged my personal information collected on XX/XX/2023 and made an unauthorized hard pull without my consent.
XXXX I applied for a loan for personal emergency, that loan was denied and later approved for exorbitant 20 % APR costing me more than XXXX XXXX at the end of the term. The reason for denial is due to excessive hard pulls in my credit file. Hyundai is directly responsible to cause excessive hard inquires on my file.
Hyundai has been evading all my emails and calls. My requests to Hyundai Senior executives have not been heard. Hyundai has treated me very poorly and made discriminative comments. I opened several cases and all of them were resolve without evidence and proper resolution.
Hyundai to address following noncompliance items or provide reasonable supporting written document for each stature to support Hyundai is complying.
1. FCRA ( Fair Credit Report Act ) 15 USC 1681b Permissible purpose a. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & b. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 2. REG B ECOA violation Credit Discrimination 3. UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violation in line with # 3. Deceptive because multiple Hyundai divisions making hard pulls without disclosure. Unfair because XXXX XXXX used on a XXXX risk-based pricing grid thus adding to credit discrimination.
4. TILA ( Federal Truth in Lending ) - requires that borrowers receive written disclosures about important terms of credit before they are legally bound to pay the loan.
5. Fraud and Identity theft ( Hyundai was authorized to use my personal details just for XXXX not forever/Indefinite. Thus, it is more than just negligence. Hyundai is aware technology can be leveraged ; however, Hyundai did not set controls for the purpose of profits. That is a clear intent to cause damages to consumer
|
| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
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|
Web |
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I contacted Hyundai in regards to my contract with them and see that they have been Unfair, Deceptive to me in several ways and also have abusive practices. Hyundai never explained to me that the finance charge does not include charges of a type payable in a comparable cash transaction. According to 15 USC 1605 ( a ) The finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the creditor as an incident to the extension of credit and doesn't include cash. That's a violation/step to getting my down payment back. Hyundai never explained to me my right to cancel. According to TILA, I have/had the right to cancel. I was never given papers stating the " RIGHT OF RECESSION ''. I was required to put a down payment down or trade in. Hyundai did not give adequate notice. And according to the term " adequate notice ' as used in XXXX of this title means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning.Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 15 USC 1615 ( a ) ( 1 ) If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. According to 15 USC 1611 ( 1 ) anyone who willfully and knowingly gives false or inaccurate information or fails to provide information which he/she is required to disclose under the provisions of this subchapter or any regulation issued thereunder shall be fined not more than {$5000.00} or imprisoned not more than one year or both. Also, according to 15 USC 1662 ( 2 ) No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpaymentis required in connection with any extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount.
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| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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XXXX Dear XXXX and XXXX : Hope this letter finds you well. I leased a XXXX XXXX XXXX from an independent dealer in XXXX, XXXX. All payments for the life of the lease were made on time and in full. Still, due to the fact that the dealer took on responsibility for the post-lease fees, and due to the covid pandemic, the dealer was unable to complete the payments on time, Hyundai has ruined my credit with negative charge-off status remarks and late remarks. Hyundai credit dispute department has no telephone, email or physical location. The only way to dispute Hyundai 's remarks on one 's credit profile is via a XXXX XXXX XXXX. The dealer who leased to me the XXXX XXXX XXXX which matured in XX/XX/XXXX ( and was returned on time ), wrote a letter to the Hyundai credit dispute XXXX XXXX explaining that he had told me that he would take care of any post-lease fees, including wear and tear fees. Attached is the letter that the dealer mailed to Hyundai explaining that due to covid affecting his business, the post-lease fees were not paid on time by him and therefore when I found out what had occurred, I paid the full amount of the fees myself. It is standard for auto companies, including Hyundai, to remove a customer 's charge-off and late remarks to the three major bureaus when the dealer has accepted responsibility. And yet, Hyundai credit dispute department wrote to me that they won't clear my credit despite the dealer 's letter explaining his responsibility for the lateness. Throughout my conversations with Hyundai, I had been assured that if my dealer was responsible for the lateness of the post-lease fees, if the dealer simply wrote a letter, then it was Hyundai 's policy not to punish the credit of the customer. Prior to any post-lease fees, I paid on time and in full every single month throughout the life of the lease from beginning to end. And now, Hyundai ruined my stellar credit anyway, despite receiving the attached letter from the dealer. Hyundai even has the audacity to report XX/XX/XXXX as a charge-off status and as late ( depending on the bureau ) even though all post-lease fees had already been received by Hyundai on XX/XX/XXXX XXXX receipt attached ). Can you please help me?
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| 06/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I leased a new XXXX Hyundai XXXX in XX/XX/XXXX. I paid a {$1.00}, XXXX deposit and traded in a XXXX Hyundai XXXX valued at {$4000.00}. Upon leasing the vehicle I had many unresolved issues by Hyundai. I spoke with their consumer affairs department multiple times and they failed to correct the issue. Although those issues are independent of the issues concerning this complaint, they are relevant in that Hyundai continues to act in bad faith against consumers. My lease was for 36 months and was set to expire XX/XX/XXXX. On XX/XX/XXXX, my car was declared a total loss due to flooding. I paid approximately {$14.00}, XXXX in lease payments. My insurance carrier encourages, XXXX, sent Hyundai Motor Finance a settlement check in the amount of {$19.00}, XXXX. In total, Hyundai Motor Finance received approximately {$33.00}, XXXX for the vehicle, an amount that far exceeded the market value of the vehicle even when it was brand new. When I initially contacted Hyundai Motor Finance XXXX of its representatives advised that he believed i would be entitled to a refund. I received a final statement from Hyundai which included a fee of {$75.00}. I paid the {$75.00} and called Hyundai to inquire when I would receive my refund. Hyundai advised they would not be providing me a refund. I explained they were overpaid by my insurance company, I traded in my old vehicle to lease their vehicle, and I also placed a {$1.00}, XXXX deposit. Hyundai explained they were not involved with the initial lease transaction. I explained to Hyundai the dealership, XXXX XXXX Hyundai XXXX XXXX, advised my trade in and a {$1.00}, XXXX payment was required for approval by Hyundai Motor Finance. In fact, I remember the dealership quoted me a very high lease payment ( over {$500.00} ) which exceeded Hyundai 's advertisement of {$300.00} for a new leased vehicle. They were able to get me down to a payment of {$420.00} at a rate of 4 %. I asked Hyundai to reimburse me the {$1.00}, XXXX and the cost of my trade in vehicle. Hyundai has refused. I am now without a vehicle and unable to fiannce a new vehicle as Hyundai has been overpaid by my insurance company. Hyundai is engaging in unfair trade practices against its consumers.
|
| 05/13/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
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I had a 3-year lease with Kia for a XXXX Kia Sorrento that concluded on or about XXXX XXXX, 2016. The vehicle was returned on time, without damage and under mileage. All payments were made on time during the life of the lease. At the conclusion, I was invoiced the {$400.00} disposition fee as per the lease contract. I called Kia finance on XXXX/XXXX/16 and asked them to waive the disposition fee, but they declined. The reason I requested the disposition fee to be waived is because of repeated failures with the vehicle 's operation. Within the first few months of taking ownership of the vehicle, it started having problems with the electrical system, most notably that the voice-dialing feature of the hands-free system did n't work properly. I brought it to the dealership ( XXXX Kia in XXXX, OH ) more than once and asked them to fix it, but they were unable to. On the last instance, I had the technician sit in the car and was able to re-create the problem for him and his response was " Yep, that 's a problem, good luck with that. '' I did n't press further as I was willing to overlook this as a singular, one-off problem. However, about 18 months later, the car started having problems with the remote starter that XXXX installed prior to me taking ownership - including several instances where I drove the car and when I attempted to turn it off & take the key out of the ignition, the engine kept running. I again took the vehicle to the dealership but they were unable to find or recreate the issue. Finally, just a few months before the lease expired, I was driving XXXX mph on the highway and the car completely shut off and I had to pull to the side of the road. I took it to the dealership again, but they were unable to find any problems or recreate it. I finally turned in the vehicle at the end of the lease and will not be doing business with them again. I asked the people at Kia Finance to waive the disposition fee as a sign of good faith and they declined. I will be paying the fee so as not to have it go to collections, but I think this should be investigated further as the company was repeatedly unwilling or unable to resolve multiple safety issues with the vehicle they leased to me.
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| 09/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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Bought my new Kia in XX/XX/XXXX, started first regular payment XX/XX/XXXX. I have been making double payments to Kia Finance every month up until XXXX. Every month I called and asked the overage to be applied directly to the principal because I was told I HAD to call or they would not do that. Turns out they were not doing that anyway. I have a log of all my calls and who I talked to and I even told one of them in XX/XX/XXXX that I did not believe my payments were being applied correctly and she rudely told me I just did not understand and was wrong. I kept making my payments though. Fast forward to XXXX and I am looking to get rid of the car because of some issues, the dealer tells me my next payment on my car is not due until XX/XX/XXXX. THIS MEANS MY PAYMENTS WERE NOT GOING TO THE PRINCIPAL! They were just advancing my payment and applying it to the total loan even though that is NOT what I asked them to do. I have a log of everyone I spoke to and what day. I KNOW what was said. I then spoke with a supervisor on XX/XX/XXXX who assured me they would pass this issue on to the payment department, ( who by the way they will not let customers speak with ) and that I would have it fixed in a week. It has now been two weeks. I called again on XX/XX/XXXX and was told my concern would be escalated and I would be sent an email when they fix and adjust my payments. STILL zero communication from anyone and the issue is not fixed. Not to mention when I add my payments up, money is missing and every time I asked about that, they changed the subject and would not answer. THIS COMPANY IS HURTING CONSUMERS. They are blatantly trying to make us feel XXXX and confused so that they can apply our payments wrong and take more of our hard earned money. Kia Finance should not be allowed to continue in this way and I want someone to ACTUALLY help me and not just say they sent a request over. Even the dealership said they were applying my payments wrong, but every time I called they assured me they were. I literally have no ability to even help myself as this company continues to XXXX me over. There is no transparency and no way to see where my missing money went. I am at my wits end. Please help!
|
| 01/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
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I leased a white XXXX XXXX on XXXX XXXX XXXX at XXXX Dealership XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I leased the vehicle for 4 months because that was the only option, they had for me at the time. ( Which I initiated only a 3 year lease contract ) The sales rep at the time pushed me to lease it for 4 years in case I wanted to buy the car. The day I returned my lease on XX/XX/2019, I went into the dealership and advised them that I was returning the car and I did not want to buy another car. The sales rep and manager continued to push for a sale and ask me why I didnt I want to purchase a new car if I had amazing credit. I advised that I no longer wanted to stay with KIA and was going to see other options on my own. The manager then took me into his office and as I returned the car, they had my sign off on the last checkup. As I signed off on the car the manager entered the ending Mileage and noticed that I did not use all the mileage on the vehicle. The manager then said, wow you really dont drive ; you still have a lot of milage left to use. I then proceeded to take pictures of my Lease in case I would get any type of discrepancy and the first picture I took was the mileage which I still have on my phone. As I was getting ready to leave the Manager asked me one last if I didnt want to look at the new vehicles they received for the new year. I once again said no thank you and left. two weeks after the vehicle was returned, I received a letter stating I owed a balance due to high mileage when in fact the Vehicle was left in perfect condition. I have tried for the last 4 years to dispute this collection with XXXX and XXXX, and I am not getting anywhere. So here I am now filing a complaint for Kia 's sales tactics and unethical Behavior of extra fees that should have never been billed to me. I certainly feel that my car was most likely used after it was returned or some false information was entered when the charges were made. I am disappointed and disgusted with KIA as I was a great customer who was never late on their payments. Until the Lease was returned you can see on my credit report where the issue started and the negative impact it took on my credit score.
|
| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
On XXXX XXXX, XXXX, I returned a XXXX XXXX XXXX at the end of the three-year lease.
XX/XX/XXXX, the XXXX Dept. of Motor Vehicles sent a Notice of Delinquent Renewal and a fine because XXXX failed to notify DMV that they took possession of the car. I cleared that up with DMV.
XX/XX/XXXX, my credit monitoring service notified me of a Delinquent Account due to Hyundai, and my credit score went from XXXX to XXXX.
Hyundai said I owed a {$400.00} disposition fee and {$65.00} for excessive wear, a total of {$460.00}, and that bills were mailed to me. I said I did not receive any mail from Hyundai. I check my secure mailbox daily and the XXXX said there were no reports of mail theft at my address.
Hyundai said they called me but did not leave messages as per the law. As per the XXXX Police Dept. Financial Crime Section, that law applies to telemarketers ; Hyundai and I had a business relationship and they should have left messages.
Hyundai said they don't send notices via e-mail. I reminded them I paid my bill and had other electronic transactions with them.
XXXX XXXX, XXXX I received a bill from them and mailed a check to Hyundai.
XXXX XXXX, XXXX as per my bank Hyundai transacted my check.
XXXX XXXX, XXXX my credit monitoring service notified me that Hyundai made the XXXX XXXX XXXX, and my credit score went from XXXX to XXXX.
I sent several letters to Hyundai asking that my credit be repaired.
XXXX XXXX, XXXX I received a letter saying Hyundai Motor Finance record reflects that on XX/XX/XXXX we received a final payment in the amount of {$460.00} on ( this account ). At this time your account status is paid in full and closed.
I filed complaints with the Federal Trade Commission and the XXXX Dept. of Business oversight because Hyundai Finance is located here, but those efforts hardly improved my credit score.
In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX for Conflict Resolution. Last week they finally got a response from Hyundai that the company does not have my records and to challenge my score with the credit agencies.
To this day, Hyundai continues to send me maintenance reminders and sales notices related to the leased car I returned.
|
| 02/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX I was mailed a bill for a property tax assessment from the year XXXX in error. I was also notified of a separate bill via email for a different amount, also in error. The first bill is for {$300.00} due on XX/XX/XXXX. The second bill ( which I only received notice of via email ) was for {$270.00} due on XX/XX/XXXX. I bought out this lease in XXXX of XXXX. All outstanding taxes and fees were paid in full at that time.
I contacted the XXXX XXXX XXXX XXXX on XX/XX/XXXX, and they have no record of these bills and assured me that they have been sent to me in error. They said if I had a tax assessment in my name, it would have come straight from XXXX XXXX and I would have an account number in order to look this information up. She also mentioned that they get these calls all the time and they have no account in my name with outstanding taxes due.
When I called and spoke to a representative from Hyundai, they were also unable to give me any information regarding where these charges came from, how they were calculated, what my XXXX XXXX tax account number is, or why I have XXXX separate bills from XXXX years ago. When I log onto my XXXX account, there are no documents, statements, or any other information on where these charges came from either. They told me to *mail* a letter to XXXX in California requesting an abatement so they can do some research on the issue, and then wait XXXX business days before following up. There is not a direct phone number nor an email for me to reach out to and expedite the issue. The representative said she would email the department for me.
I am not inclined to pay these bills and I would like them removed from my account as soon as possible. I no longer have an active lease account with Hyundai Motor Finance and should not be receiving any bills from this institution. Ive had issues with unexplained property tax assessments from XXXX in the past and the abatement process went nowhere. I ended up paying them taxes in a state I no longer lived in and hadnt lived in for over a year. I do not want these charges on my account to be sent to collections and affect my credit, nor do I want to give XXXX any more of my money.
|
| 11/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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This company are XXXX When I canceled the first two checks for {$3700.00} and {$1400.00}, KIA finance applied them as payments and {$300.00} to interest when they should not have. They are at fault and even the lady who called me on XX/XX/22 said it was Kia finance fault because when you cancel a warranty the payments should automatically go towards the principal balance and not count as a regular payment or interest. Kia finance lied in their response, when I initially contacted the Ohio Attorney Generals office was because the XXXX dealership did not send the other checks that I canceled to apply to my principal. My letter was never requesting the ancillary product refund to be applied to only the principal balance of my account. How could I be past due when KIA applied the checks as payments/interest instead of applying them to my principal balance in the first place? Applying canceled warranties to the principal is common practice for all auto loans. They waited two months later to reapply the {$300.00} to my principal making my account past due. Also, the only reason why I paid on XX/XX/22 is due to me refinancing my car because Kia finance is a horrible company. My loan officer told me to pay for this month and I did what i was told. Attach are the documents showing Kia applying the checks as payments and interest when they wasnt supposed to in the first place. Even my current loan officer said when you cancel warranties they are supposed to go towards the principal balance not as a payment or to interest. Sadly, i did not know this at that time until the Kia representative called me on XX/XX/22 to inform me of this. Kia finance already have lawsuits for reporting inaccurate information on consumers accounts and they have lawsuits for applying payments wrong to consumers accounts! You guys had already sued hyundai for inaccurate credit reporting who is the same company as Kia finance. This is a ongoing issue that Kia finance/hyundai is doing! Attached are the documents. I never contacted the ohio general attorney office to request the checks to be applied to my balance, I do not know why Kia is lying and is supposed to be a business. This is not right!!!
|
| 09/03/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Re : Failure To Provide Debt Itemization Statement / Verification Documents To Whom It May Concern : This complaint is response to a conversation had with a XXXX XXXX representative on XX/XX/XXXX. XXXX XXXX has consistently failed to give an explanation of conflicting information concerning an alleged debt in the amount of {$860.00} placed on my credit report.
I was provided two reasons by XXXX XXXX as to why the alleged debt was placed on my credit report as follows : 1 ) I am responsible for interest charges incurred from GAP insurance coverage 2 ) Auto loan payments were due post verification of total loss claim I was told by the XXXX representative the GAP insurance coverage was contingent upon receiving the police report substantiating the total loss of vehicle. The police report was submitted via fax the next day after the vehicle was recovered in irreparable condition in XX/XX/XXXX.
I was told by a XXXX representative at that time the GAP insurance coverage was in effect and that no further payment on my auto loan was necessary. Please note at no time in my correspondence with XXXX during this on going matter was I told the debt was the result of failure to pay interest on my GAP insurance until XX/XX/XXXX.
I contend I do not owe XXXX XXXX the alleged debt in the amount of {$860.00}. I have kept detailed record of XXXX XXXX XXXX repeated failure to provide an itemized record of the alleged debt. It is my contention that XXXX XXXX XXXX willful neglect of properly giving this matter the attention it deserves over a three year period has unfairly hurt my credit rating violating the following : Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ).
Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors.
Based on XXXX XXXX XXXX own records your company is in fact alleging the debt is the result of interest incurred by GAP insurance. I am well within my legal rights to request specific documentation that would be pertinent to the alleged debt your company claims I owe.
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| 05/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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On XX/XX/XXXX we returned the car at the local dealership. They told us to just leave the keys at the front desk and they would send the release of liability. This took about a week to get after several back and forth communications but we did get it. At this point we thought everything was done.
About a week or two after that we received a letter dated XX/XX/XXXX. This letter stated that we owed {$2100.00}.
I called in late XXXX or early XXXX, I don't recall the exact date. After calling the number they explained that they do an inspection after we drop off the vehicle and found that there was damage to the car, we were missing a charging cable, and there were additional fees.
In good faith I paid the {$400.00} " Turn in fee '' as supposedly it was in the contract. I also paid the {$.00} " unpaid lease payments '' as it minimal and not worth disputing.
I was told if I disputed any of the charges I have to mail in a letter explaining my issues. I chose to do this certified and sent the letter on XX/XX/XXXX. The letter was received XX/XX/XXXX, XXXX XXXX.
I disputed the {$250.00} in damages as I have pictures from the day of turn in at the dealership showing no damage. I also disputed the charging cable as they didn't even inspect the compartment under the trunk floor where we kept it, this was in the pictures from there inspection. I have no way to prove that I had it in the car at drop off since they accepted the vehicle as is and the charging cable can be easily removed, lost or, stolen.
While waiting for a response Kia financial called my wife, threatening again to damage our credit even though we have no response based on the dispute letter. Since the only options for dispute they gave us we followed quickly, we have no recourse.
Because we value our credit, we have now sent in a replacement charging cable. This was sent on XX/XX/XXXX and was " Delivery attempted - no access to delivery location '' on XX/XX/XXXX. This cost us {$44.00} for shipping and is valued at {$1500.00} per Kia Finance.
We still have not heard back regarding our dispute letter. The electronic version of this letter is included as a word attachment to this complaint.
|
| 06/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I Have always paid my Hyundai Motor Finance payment as agreed. Due to a combination of bank errors, Hyundai Motor Finance not updating my account info as requested and failing to have a system in place to collect payments after items were incorrectly returned NSF due to bank error, Hyundai Motor Finance is now falsely reporting my account as past due from XX/XX/2013-XX/XX/2013. On XXXX XXXX, 2013 I paid my account with good and collected funds in my bank account but my bank mistakenly returned the payment NSF ( as evidenced by the attachment ). I was n't made aware of that at any time by XXXX until XXXX of 2013, at which time I immediately paid the amount owed in full. There was also a bank error in the summer of 2013 when a wire that was sent to my account was returned due to an extra number being added to the account number. It happened on the exact day I made a payment to XXXX ( as evidenced by the attachment ). Again, I was n't made aware of this at any time by XXXX until XXXX of 2013 as XXXX had failed to update my contact info. I have written to XXXX on more than XXXX occasion. ( sent certified mail yet they claim they did n't receive ) asking them to correct my info on my credit report. XXXX has refused to correct my account info and has given me incorrect and false information regarding my account. Other than this approximate 6 month stretch when the bank returned a check I had sufficient funds on, I have had no late payments of any kind in the past 6 years. XXXX is also profiting from a flaw in their system by charging me late fees on payments that could n't be accepted by them after my boyfriend discovered the banking error XX/XX/2013 while I was in XXXX and he tried to make payments over the phone. Their system would n't allow the customer service representative to over ride the system because of the past NSF 's. Although XXXX 's customer service representative had indicated to him that he DID over ride the system and that the payment had been made when in fact it did n't. This exasperated the problem and has caused my credit report to show additional late payments to XXXX. XXXX profited financially by charging me late fees they did n't deserve.
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| 01/18/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XXXX XX/XX/XXXX I submitted an online payment to Hyundai Motor Finance ( HMF ) in the amount of {$14000.00} to pay off the final lease payments and purchase a XXXX XXXX XXXX.
I requested that the title be sent via XXXX, but nothing ever arrived. After about a month, I contacted HMF and was informed that they had sent the title by XXXX and instructed to wait for it to arrive, but they would also send a letter of no interest.
On XXXX XX/XX/XXXX, I called HMF again to inquire about the status of the title and letter of no interest. An agent named XXXX told me that the title had been returned by XXXX to HMF on XXXX XX/XX/XXXX. I was transferred to a special agent named XXXX who told me that he did not have a record of the title being returned to HMF. He said they sent the letter of no interest on XXXX XX/XX/XXXX, but that never arrived either. XXXX instructed me to send a letter requesting a duplicate title plus a check for {$15.00} made out to the Virginia DMV. That letter was sent by certified mail on XXXX XX/XX/XXXX and it was signed for at the HMF Titles Department on XXXX XX/XX/XXXX.
On XXXX XX/XX/XXXX I called back to find out why the DMV check had not been cashed. I again spoke to XXXX who told me that they have no record of receiving the letter/check. I gave him the tracking number on the certified letter, and he said he would forward it by email to the titles department and to call back in 5 business days for an update.
On XXXX XX/XX/XXXX I called back and again spoke to XXXX. He said there has been no update. He said he would send another letter of no interest via XXXX and he said he would again escalate the issue by email to the titles department.
It has been nearly four months since I paid off the vehicle. I am unable to sell it because I don't have the title, and HMF has not given me any indication that they have processes in place to remedy this issue. The {$14000.00} that I spent on this car represented the bulk of my emergency savings. My intent was to sell the car and recoup that money. The value of the car is decreasing the longer I wait to sell it, and I am also continuing to pay for auto insurance on a car that I am not using.
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| 09/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH HYUNDAI CASE # XXXX XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX XXXX HYUNDAI DEALERSHIP IN XXXX XXXX FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX RECEIVES XXXX A MONTH SSI XXXX XXXX HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX A MONTH RENT, HYUNDAI HAS RUINED XXXX REPUTABLE CREDIT. WE ARE ASKING HYUNDAI TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX AND ONLY RECEIVES XXXX A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. HYUNDAI FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT HYUNDAI PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM HYUNDAI ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX YOU CAN SPEAK WITH XXXX AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING HYUNDAI TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
|
| 01/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Greetings, XXXX XXXX XXXX is currently reporting to XXXX that I had a lease with their company, which totaled in the amount of {$18000.00} opened in XX/XX/XXXX. I am not aware of who opened this account nor do I have any information outside of what was provided in the letters sent to dispute this account in XX/XX/XXXX. Upon my knowledge of this fraudulent account, I immediately filed the proper reports to support my position of identity theft, on this account and several other items on my credit reports. This account was fraudulently open in my name. This has become very frustrating for me and is causing damage to my credit. I have made efforts to dispute this issue for a whole year and this is still hindering my credit.
Pursuant to Fair Debt Collection Practices, XXXX has not been able to provide me with 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this fraudulent debt.
They have been non-compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that they are liable for willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]. They have failed to provide a copy of any alleged contract or other instrument bearing my signature.
Lawfully I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act With regard to XXXX, they are continuing to give me a hard time with this account. XXXX, as well as XXXX were excellent in assisting me and understanding my concerns and have complied with my efforts in disputing this account as a fraudulent account and have completely removed it. I notified XXXX of the actions in XX/XX/XXXX that the other two bureaus have taken and they are continuing to keep this account on my credit profile. I have taken the steps to dispute the account on XXXX website and certified mailed letters regarding FCRA Section 605B. They are handling this request as a common dispute and had no urgency in complying with the law.
Thank you for your assistance in this matter.
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| 03/15/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX Received call from Kia Finance, rep XXXX XXXX, indicating I was 11 days overdue with payment of {$500.00}. I indicated not only did I not not owe any payments I was ahead of schedule on payments. I indicated to rep that XXXX statement that stated it was printed on XX/XX/XXXX did not arrive until XX/XX/XXXX. I mailed a check on XX/XX/XXXX, followed up on XX/XX/XXXX to verify if received by Kia and indicated to them untimely receipt of mail ( even though it shows it was mailed from California where I am located ). As due date was XX/XX/XXXX again checked to see if check received it was not went onto web site and payment made with confirmation number received for effective payment on XX/XX/XXXX due date. On XX/XX/XXXX an additional payment was received by Kia Finance as check dated XX/XX/XXXX was cashed, confirmed this with XXXX XXXX and XXXX. I received a statement from Kia on XX/XX/XXXX spoke to XXXX XXXX and XXXX requesting a new statement be sent as the statement dated XX/XX/XXXX only indicated one payment on XX/XX/XXXX - I confirmed on that phone call that Kia Finance had cashed check on XX/XX/XXXX and that money was received I asked for an updated statement with correct amount and was advised by rep that it would be generated in 3-5 business days. On XX/XX/XXXX additional payment sent for {$500.00} which was cashed at our bank on XX/XX/XXXX. To this date I have not received any confirmations from Kia Finance in writing that they have received. Speaking with XXXX I was told amounts were listed in suspended payments category?? and that I WOULD NEED TO TALK TO CUSTOMER ASSISTANCE TEAM. Since this was listed in my account why should I have to make any calls plus they had payments. Needless to say aggravating. I have called numerous times to KIA Finance today attempting to reach this team and have been placed on endless holds, 52 minutes, 26 minute, 35 minutes, 24 minutes, spoke with numerous!! representatives today with being sent to a different individual each time. I too have matters that I need to take care of and can not spend this endless amount of my day trying to correct a situation that isn't even my fault and THERE IS NO DEBT OWED.
|
| 08/24/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I paid off a XXXX XXXX XXXX lease vehicle by mailing a check and an odometer statement-check was cashed on XX/XX/XXXX in the amount of {$12000.00}. I called on XX/XX/XXXX to check on the status of my title and was told they were missing the odometer statement, I stated I would fax in the one I had, got the fax number and faxed in the document. I called back onXX/XX/XXXXto check the status and was rep confirmed they had received the odometer statement and they were sending an escalated email to close the account and I should receive the title in 7-10 business days. Around XX/XX/XXXX I called when I still had not received the title and was told again they had the odometer statement, the title had not been release and I just needed to wait. I asked to speak to a supervisor. The supervisor stated had the odometer statement and that they would send an email to the titles department requesting the title to be released. I called back on XX/XX/XXXX and the rep told me the title had still not been released, I again asked for a supervisor who told me they did not have my odometer statement and that I should email it to XXXX along with a letter explaining the long wait and for the title to be sent next day mail. The next time I followed up with a supervisor I was told they still did not have the odometer statement and they they don't even have an email to send things too ( basically her or the last supervisor is incorrect ). She also stated that they only accept the XXXX XXXX odometer statement ( glad someone finally told me ). The supervisor also informed me that they can only emailing the title department is the only way they have to contact them ... This seems really odd for such a large company. On XX/XX/XXXX I sent in the Hyundai Motor odometer statement next day mail through USPS and confirmed it was delivered on XX/XX/XXXX in the XXXX. I called on XX/XX/XXXX and XX/XX/XXXX and it is showing as not received. I am not the only person having an issue with this company and titles being released. I found multiple complaints on the XX/XX/XXXXand a news article on XX/XX/XXXXThey are holding customer money for weeks to months at a time. which should be illegal.
|
| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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Rep stated deferment was denied due to documents not being received in timely manner. Document received from Kia finance via email from their XXXX XXXX on XX/XX/2023, I signed the document within the XXXX XXXX on XXXX XXXX at XXXX... received a confirmation email showing I had signed the document along with a final copy of the agreement for my records. Kia statement and reason for denial is false and has negatively impacted my and the cosigner 's credit reports leading to denial of loans and extensions of credit. Documents were received, signed and returned within Kia 's XXXX XXXX. I never received a letter or email stating I hadn't returned the document or that the deferment was denied for any reason. The receipt I have states it was returned and accepted and I was given a copy of the final signed document showing it was completed. I did not receive any additional phone calls from Kia after XX/XX/XXXX until XX/XX/XXXX, of which were not answered until the XXXX due to my being at XXXX with co-signer who is in XXXX due to an auto accident that occurred at the end of XXXX, beginning of XXXX and was part of reason for deferment request. My being XXXX for XXXX at end of XXXX was other reason for deferment request. Kia rep stated they did not receive signed document and stated I had to make a payment because I was now in default, and without a payment I could not request a new deferment. I explained I had an email confirmation of deferment agreement on XX/XX/2023 but was told it did not matter because it was denied. When I asked to speak with the department who denied it I was told no one could speak with that department, not even they, the customer service rep, could speak with them directly. But my concerns would be sent to them after I made a payment. After payment I was directed to call back to request a new deferment and notes about my issue with orig deferment denial would be on account. No one could address the issue of the denial or issue with my credit being negatively affected. I can not forward emails or documents within email linked to Kia 's XXXX system, but I have attached screenshots of header information. Their XXXX XXXX is XXXX XXXX
|
| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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Good afternoon, My name is XXXX XXXX I am financing a XXXX XXXX XXXX through Hyundai Motor finance. I created an online account in their website to make payments. the first time on XX/XX/XXXX put my bank account information for autopay the payment got declined, on XX/XX/XXXX I was able to access and correct a number that was wrong in the bank account # and make the payment I received an email saying they received my payment authorization for {$430.00} and then another email confirming I am authorizing recurring payments to that bank account.
On XX/XX/XXXX I finally received an email with payment confirmation of the {$430.00} that I made on XX/XX/XXXX, I decided to change the due date to the XXXX so another payment for the same amount {$430.00} was processed on XX/XX/XXXX the next day I received an email the payment was processed, and then on XX/XX/XXXX Hyundai sends another email saying my payment was not processed due to Returned Item - XXXX No account / Unable to Locate Account.
At this point I am confused and upset if the payment I made using same bank account I left on autopay on XX/XX/XXXX went through why the one on XX/XX/XXXX got rejected?, I confirmed checking my statements on my Hyundai account and my bank transactions. I called Hyundai customer service on XX/XX/XXXX around XXXX EST and asked the supervisor XXXX why did this happened why my payment got rejected and they have blocked me from making payments online via my Hyundai account. She said because I had 2 rejected payments consecutive my online account is blocked to make any payments for 90 days and that I either must pay through the phone which will incur in a fee or send checks till then. she asked me how many numbers my bank account has, I told her XXXX, she said in her system only shows XXXX we also check last XXXX numbers. Now I have taken a picture of when I made my last payment and the account I left for autopay which shows XXXX. To what it looks Hyundai Motor finance is manipulating consumer 's information to charge late fees and other. Plus the 90 days block from my account seems like a harsh penalty seeing that I have put XXXX as down payment already for this car.
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
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Date : XXXX RE : Late Payment Removal Account Number : XXXX Balance : XXXX Late Payment Dates XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX This letter serves as my explicit instruction and written notice.
This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor.
This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence that clarifies this billing error.
What authority do you have to collect debt in the United States?
I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. XXXX Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
I am keeping a careful record of all correspondenceor lack thereofmade via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication.
|
| 01/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
I purchased an extended warranty with my new car, it was explained to me, and I could also read in the contract that I could cancel this warranty within 60 days of purchase. A few days after I had the car I called the finance officer at the dealership and told him I wanted to cancel the extended warranty because I was concerned about the extra cost. I was told that if I cancelled at that time, the loan amount would still be the same every month because the loan had already been approved and could not be changed. So I thought I would wait to cancel until later, just in case I still had the car after 5 years, when the original warranty would end.
It was not explained to me that the warranty I purchased would start on day XXXX of the contract instead of after 5 years which is what I assumed. Because why would I purchase an extra warranty to run alongside the already very good warranty that Hyundai is very proud to advertise. Nowhere in the contract does it state when the extended warranty starts.
I even called the main Hyundai finance office a few times just to be sure that I had my facts correct and could cancel and get my money back. No one either at the dealership or the main finance office told me that if I waited 5 years to cancel after the initial warranty ran out that I would only get half the money back.
I feel completely mislead by both the dealership and the Hyundai Corp. I did not sign part # 3 on the form that says the service plan was explained to me, it obviously was not or I would never have waited so long to cancel the extended warranty.
I had not planned to keep the car this long, my plans changed because of Covid etc.
I went ahead and cancelled the contract after my final payment was made, but I am very upset that I lost half the money and I would like to see if that could be remedied.
I would also like to add that it was extremely difficult dealing with the dealership regarding cancelling this contract. I had a hard time getting anyone to return phone calls, including the general manager who never got in touch with me. I even resorted to driving XXXX hour to the dealership so I could get anyone to help me initially.
|
| 10/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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We purchased a XXXX XXXX in the summer of XXXX. The car was totaled on XX/XX/XXXX. At that time, we owed {$1500.00} on the car. Our insurance company, XXXX XXXX XXXX, settled our claim for {$12000.00}. We were owed {$11000.00} after the car was paid in full. Our insurance company was going to send Kia just what they were owed and send us the check for the balance.
Unfortunately, Kia wanted XXXX XXXX to handle it differently. I am attaching a letter from Kia Motors Finance to XXXX XXXX, asking for the entire settlement, despite only being owed {$1500.00} on the car.
XXXX XXXX sent the check for {$12000.00} to Kia Motors Finance. The check was received by Kia on XX/XX/XXXX and cashed on XX/XX/XXXX. I have attached a copy of the cashed check from my insurance company. We have called Kia Motors Finance on a minimum of 10 occasions. We have been told on 4 different occasions that the check for the balance of {$11000.00} will be sent to us in 7-10 business days. Each time 10 days has passed and we call again, we are told that there are no notes showing that anyone processed the check. Many times when we call, we ask for supervisors until we've talked to every supervisor available. Every time, we are on the phone for a minimum of an hour. We are always told that all that they can do is " send an email to processing. '' We are told there is no phone number for processing and there is no one for us to call. We very much feel we are getting the run around. We are starting to fear that the company is filing for bankruptcy and we'll be out a significant amount of money. The behavior of many of the people we've spoken with has been very concerning. Some have acted helpful and they tell us what we want to hear and then nothing happens. When we call back, there are no notes that we've ever called. We have no idea where to turn and feel very much that Kia Motors Finance is holding our money hostage. This was never their money to begin with. We owed a very small amount, always paid our monthly payment on time and in excess. We deserve to be paid what we're owed. We had to take out a loan to purchase another car for which we are now paying interest.
|
| 11/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I leased a vehicle with Hyundai Motor Finance in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my XXXX ( only ) credit report from XXXX XXXX XXXX XXXX and XXXX ( XXXX ) dropping my score 82 points. I called Hyundai who told me I had always prepaid and never had any missed payments, so I filed a dispute with XXXX on XXXX XXXX. By XXXX XXXX I received a letter from XXXX that Hyundai provided them all documentation and Hyundai removed the erroneous information. I never received an explanation of how someone goes backwards XXXX XXXX years and adds inaccurate information though I do believe it was the gentlemen I upset at Hyundai who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again Hyundai reported all the same erroneous information that was just resolved. I contacted XXXX and they verified that Hyundai once again did the same thing on a closed account that Hyundai just removed from the account. The XXXX women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call Hyundai on my behalf. I truly believe Hyundai has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called Hyundai, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score 77 points and I feel this is going to continue happening over and over again. Please help me.
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| 12/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My XXXX XXXX XXXX is currently being financed and I filed for a state title transfer ( CA to NY ) request in XX/XX/XXXX and was notified online that the entire process should take XXXX weeks. Hyundai Motor Finance received the paper title from California in XXXX and claims to have sent me the documentation requested which was never received to my address. After contacting customer service, I have been told every possible excuse as to why my title which they have been in possession of for 5 months has not been sent to the NY XXXX. I requested that a certified copy be sent to my home address, and I have been told that Hyundai Motor Finance is incapable of certifying a copy and must send the original title to the XXXX which was never sent. I was then told that misinformation and that they can certify a copy and will be sent out. After no movement, I again called and was advised that my request was denied because they only send out the original title but that has to be requested by the XXXX themselves. When I contacted my local XXXX, a XXXX representative called Hyundai Motor Finance and clarified that they do not request information like that, and that Hyundai Motor Finance is responsible for sending me, the client, a certified copy of my title to complete registration of my car. Most recently ( as of XX/XX/XXXX ) I was told that there has been no progress made on my request because only clients with paid off accounts can receive a certified copy of the title, and any situation otherwise ( still financing ) would need the original title be sent to the NY XXXX. I have been trying to get this resolved since XX/XX/XXXX ( multiple calls/week to Hyundai Motor Finance XXXX which is when this request should have been completed by. My registration for my car has been expired for over 2 months now, and I am unable to move or drive the car and must pay for private parking in order for the car not to be towed and impounded by NY state for being unregistered. I simply need a certified copy of the title ( which is legal ) for my car that is being financed sent to my home address so that I can have it be registered in the state of NY and drive-able.
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| 01/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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XX/XX/XXXX, car reposed by KIA Motors. After calling KIA for instructions on what was needed to get the car back. A cashier 's check was sent to KIA on XX/XX/XXXX, XXXX amount owed. My mom and I called KIA on XX/XX/XXXX, to get status update, we were told that even though it was cashier 's check they would have to clear it and due to holiday season it XXXX take some time. On XX/XX/XXXX, I called KIA, they told me the check had cleared. I would need to call to schedule an appointment with the XXXX XXXX XXXX in Maryland for my personal belongings and the vehicle auction house in Virginia to get my car since they had it moved to that location the week before. On XX/XX/XXXX I obtained an appointment from the XXXX XXXX in ( MD ) and auction location in ( VA ). On XX/XX/XXXX, I got my belongings from XXXX XXXX and vehicle back auction location with additional separate fees from the XXXX XXXX to get my belongings back and additional fees to auction location to get my vehicle back. XX/XX/XXXX, I went to ( MD ) XXXX to get new tags, was told ( No Vehicle in My Name ) anymore no Title was it transferred to XXXX on XX/XX/XXXX. XX/XX/XXXX KIA sent me XXXX to get title. I returned the same day XXXX # XXXX XXXX received XX/XX/XXXX but when calling KIA, they said XX/XX/XXXX per phone call with them on XX/XX/XXXX. On XXXX sent it to XXXX, KY ( XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX via XXXX XXXX. XX/XX/XXXX, called KIA twice for status update was told first time additional XXXX weeks for title and on XXXX call that day I ask for email record stating additional XXXX weeks for title with my father beside me they said they couldn't send me an email. My dad spoke to them too ( XXXX XXXX XXXX XXXXXXXX just said check back in approx. week. We can't give you any further information on our request. KIA rep said I already inquired on the XXXX of XXXX they sent a request in for update then. KIA still wants monthly payments but at same time inhibiting me from driving, I am requesting to see if any laws have been broken by requesting payment on something while still inhibiting the individual use at the same time thus effecting/hampering my employment options.
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| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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XXXX XXXX has violated the FCRA. On XX/XX/2023, the XXXX XXXX that was financed with the company was totaled by a rear end accident. I made payment for the XX/XX/2023 due date. The other car 's Insurance company, XXXX XXXXXXXX XXXX requested a Letter of Guarantee on XX/XX/2023. The amount on the letter was incorrect. The Insurance company requested for the updated letter on XX/XX/2023, where they were told a letter would be issued within 3-5 business days. Since this date, the insurance company has called 5 other times to receive the letter and was told 3-5 business days. I called the finance company around XX/XX/2023 as the payoff of the vehicle has still not taken place. When speaking with customer service, I had requested an extension/deferment of payment. I was informed one could not be applied due to the age of the loan ( I bought the car in late XXXX of XXXX ). I was informed that as long as it was paid off within 15 day after the due date of payment, no penalty would be received. I understood and agreed. Come XX/XX/XXXX, I found out that the finance company has still not received the letter of guarantee with the correct amount. I called the finance company and spoke to a Manager Named XXXX XXXX who would not provide his last name ). I got the run around that it would be 3-5 days to get the letter of guarantee to pay off the car. Plus, I've now received a late payment fee and a negative hit against my credit score, when this should have all been resolved in XXXX. I received a letter in the main indicating the pay off due to the totaling of the car hasn't occurred yet ( well, I'm still missing the letter of guarantee for the insurance company ). The manager refused to escalate the issue, I waited 3-5 more business days and have still not received the letter of guarantee. The next payment due is XX/XX/2023. Anything better than agreed on my credit is unacceptable. This company has violated my rights as a consumer and should immediately rectify this issue. Due to their willful failure to comply with FCRA requirements, the company is liable for actual or statutory damages and punitive damages as they are destroying my credit.
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| 08/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I. On the day of XX/XX/2023 I downloaded the payoff quote from my Hyundai motor finance online account for the total amount of {$25000.00} including the {$3.00} per deem charge.
XXXX. Next day, XX/XX/XXXX I paid off the total payoff quote on my account selling my car to the XXXX XXXX XXXXXXXX located XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$20000.00} and paying them the surplus of {$4900.00} for the total amount of {$25000.00}.
XXXX. Even though I paid my total debt with Hyundai motor finance on XX/XX/XXXX I got deducted from my XXXX XXXX XXXXXXXX account what used to be my monthly payment of {$500.00} and this is not even reflected on my payment history and wasnt either refunded.
IV. The Balance Amount for the XX/XX/2023 was for {$25000.00} and my payment for {$25000.00} was reflected on the Hyundai Finance online account for the XX/XX/2023. Regarding this payment I have serial questions : a. Why if the payment was for a total amount of {$25000.00} to the principal account went just a total amount of {$25000.00}?
b. Why is Hyundai motor finance charging me {$15.00} for NSF?
c. If {$25000.00} minus {$25000.00} plus ( - {$110.00} ) of interest, plus ( - {$15.00} ) of NSF equals {$480.00}, why is Hyundai motor finance charging me as payoff quote those {$480.00} when they actually owe me that money?
V. Since I paid off my total balance, I have been trying to contact Hyundai motor finance customer service phone number multiple times trying to get an explanation on why the credit report stills showing up my XXXX XXXXXXXX debt and why now I have a new payoff quote.
I tried to contacted them and explained this whole situation 6 times already, and sent them a physical letter on the XXXX of XXXX to the Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, according to their website asking them for : I. Please remove the payoff charge of {$480.00} XXXX. Please issue me a refund for the {$500.00} deducted on the auto payment on XX/XX/XXXXXXXX XXXX XXXX
XXXX. Please close my account after is proved I owe you nothing.
IV. Please contact me or reply to me through a formal way.
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| 02/18/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have contacted Hyundai Motor Finance ( Attention : Care Department XXXX XXXX XXXX XXXX XXXX, CA XXXX ) in order to get my cars title with no success. I wrote them with respect to my XXXX XXXX XXXX XXXX : XXXX and my numerous attempts at receiving a copy of my title. The car was originally a lease, after which, I decided to purchase when the lease ended. My Hyundai account number is XXXX.
Hyundai said they delivered my title on XX/XX/XXXX to my home address at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. However, I never received it. I have made numerous ( failed ) attempts and countless phone calls with customer service and Hyundai Titles Department to no avail.
Specifically, on XX/XX/XXXX, I sent a request for a duplicate title through the Hyundai Titles Department. Despite sending the mailing to the correct address provided to me by your customer service, the mailing was lost and appeared to have never been received by Hyundai. The tracking for this first request is : XXXX.
After calling countless times regarding my first request, I was told by a customer service manager to send another request, which I did. The tracking for my second request is XXXX. As youll see, my request was delivered to the front desk of the titles department on XX/XX/XXXX and was received by XXXX.
I now am speaking to XXXX from Corporate and she said the request for a duplicate title has been rejected! The tracking number for this request is : XXXX. XXXX did not further assist me and I have not received a call back from her. Her direct line is : XXXX.
As you can imagine, I am at my witts end. I have been dealing with customer service unsuccessfully for three whole months! Now corporate cant even help me! I have not been able to drive my car during this time, and consequently, I am now facing economic hardship due to the lack of customer service support or assistance from Hyundai, as I have not been able to get to work without my vehicle!
I am beyond frustrated. I have paid for the car in full and have not been able to use my own vehicle. Please contact me at XXXX or email me at XXXX so that we may resolve this matter.
XXXX XXXX
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| 03/31/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We bought out the lease for our vehicle in full with Hyundai Motor Finance on XX/XX/XXXX. Payment was issued to Hyundai Motor Finance in the amount of {$19000.00} which included the remaining balance of the lease in addition to the Illinois sales tax owed in the amount of {$1200.00}.
On XX/XX/XXXX we received the following documents : Bill of sale, Title, and a Illinois Department of revenue ST-556 Sales Tax Transaction Return form.
We took all of these documents to the DMV with the goal of transferring the title and registration from Hyundai Motor Finance into our names. The DMV declined our request because they cited a lack of any evidence showing that the Illinois Sales tax has been paid. I showed them the form ST-556, however they said there is no confirmation stamp or transaction number referenced demonstrating that the payment has been made. I attempted to go back a second time, and was again declined for the same reason. The supervisor even called the Illinois department of revenue, referencing the tax return form and they confirmed they did not see the payment of {$1200.00} referenced on the form given to us by Hyundai Motor Finance.
I have called Hyundai Motor Finance numerous times ( at least XXXX separate occasions ) since then between XX/XX/XXXX and XX/XX/XXXX and have spoken to both regular sales reps and supervisors giving them this background information and requesting a " sales tax paid letter '' demonstrating proof of payment of the sales tax to the state of Illinois. Each time I was told that this was handled by a separate " back office accounting department '' which nobody can talk to directly and that they can only send them an email relaying my ask. Each time I was promised to be given the sales tax payment proof within XXXX business days ( sometimes via mail, sometimes via email, other times via the website direct messaging ) and in the end I never received anything from them on any of these occasions. The best they could do was send me another duplicate copy of the same ST556 form which was useless. I have attempted to file complaints with supervisors, and that also had no effect.
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| 02/18/2022 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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In late XXXX of 2021 my wife and I bough caught XXXX XXXX. It took me a month to be paid back pay. In that time frame I fell behind on my car note and went 60 days past due. I reached out to Kia multiple times for help but they offer no assistance. Kias. Covid assistance can only be used if your note is current ( kind of useless ). Kia finance began calling my phone repeatedly. Up to three times a day. Hyundai/Kia called my wifes old employer and spoke with them about the debt which was humiliating. I finally spoke with an agent ( collections agent ) and she told me that my account was not secure and I needed to pay my balance before further collections activity happened she hinted at my car being repossessed. I forked out 800 dollars ( she could give no explanation on why 800 dollars would secure the car ) to ensure my family had a car. I was assured Id be fine until XXXX. That 800 dollars was all I had for almost a month to feed my toddlers. I had to borrow money from my parents to survive. Hyundai/Kia again resumed collections calls one week later. They called repeatedly primarily while I was at work. It was useless to speak to them because they will not help they just ask you to pay your balance in full. I posted a XXXX dollar payment when my back pay finally came in. Kia took 4 days to process the payment. In that 4 days my account which was current when the payment was submitted went past due by 2 days therefore making me unable to move my due date so that the current month would not be behind. So now they are calling over and over and over. I spoke with a female agent last week and told them what happened and to more or less pound sand until I pay them the XXXX I owe them for XXXX. Im fed up, they have harassed me. I have severe XXXX which causes horrible anxiety. They have driven me to consider running the car off of a bridge at one point due to their tactics and unwillingness to help. They need to be punished. I have attached photos of the many times they have called me in the last few days. They have called more than 5 times a week by my estimation however I recently deleted my received call list.
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| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am writing to dispute the delinquency of payments on my account. I woke up this morning, XX/XX/2023 to a XXXX hit to my credit score over a charge of {$120.00} that I am just now finding out has been assessed to me since XXXX. I spoke to a representative at XXXX that claimed they had sent me letters to indicate my balance that was due to two parking tickets that had been assessed directly to my car. I have never had a ticket assessed directly to my car in XXXX years of leasing, so this is new to me as well.
XXXX also claimed they had called me twice since XXXX to let me know but could not leave a voicemail due to regulatory laws in my state. If they couldnt leave a voicemail and I have not actually been receiving collection notices, how am I to know that I owe money that would ultimately result in such a significant penalty? Also, the account shows my balance is only 18 days overdue, so if these charges have been assessed since XXXX, wouldnt it show a longer delinquency?
Nevertheless I have since been paying my car balance down regularly with no actual communications to me that I had been delinquent.
I have attached proof from my bank account and with XXXX XXXX that I have been paying down the balance of my lease monthly at the beginning of every month and have been in good standing this entire time. I also am hoping that my overall good standing with my credit/finances can be taken into consideration at this time. I have never been late with a credit card payment, student loan payment in XXXX years, I have leased 4 different cars with XXXX and have never missed a payment there either.
I believe this has been a miscommunication over a seemingly small amount of money that I would have paid had I been properly notified of the charges. I have attached payment of the outstanding bill as well. I have worked my entire adult life to maintain a good credit score in hopes to buy a house, and I am hoping this small issue does not set me back and this hit to my credit score can be removed and my original credit score can be restored.
Thank you so much for hearing my dispute.
Sincerely, XXXX XXXX
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| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Hyundai Motor Finance, I called XX/XX/XXXX and spoke with XXXX XXXX regarding a stop payment for a refund check XXXX XXXX XXXX XXXX XXXX ) and advised me that the check would be issued to my husband XXXX XXXX. After a week I called to ask for updated status on the cancellation 3 separate times ( was told it was pending management approval ). I then got on the phone again with XXXX XXXX XX/XX/XXXX ( 10 business days later ) who expressed that she was who took my request initially XX/XX/XXXX and that they have a new process that she was unaware of and would now submit the claim to her supervisor. I called again XX/XX/XXXX and spoke with XXXX who let me know the check was being sent out but to the same old address since the XXXX on car was my husbands name and XXXX never switched his address leaving the old one. XXXX request a supervisor call and changed my husbands address or so I thought. I called the following day because XXXX said she would call back that day or the next. I called the following day XX/XX/XXXX and spoke to XXXX who then changed my husbands address and would push an email to all supervisors to give me a call. I called today and spoke with XXXX who let me know that the check is still pending cancellation. The check amount is {$2200.00} but XXXX from the dealership at XXXX XXXX sent me a copy of the voided checks which came out to {$2300.00} missing {$140.00} which was confirmed there is not reason for this and would be sending this up to management. I have submitted over 6 request over the month to speak to a supervisor and have never once received a call. I was sold a XXXX XXXX XXXX lemon vehicle XXXX XXXX and took XXXX until XX/XX/XXXX to take the car in and deemed it lemon. My first complaint of the car stopping whiling driving was XX/XX/XXXX. I was told I needed to pay {$890.00} upfront for the mileage on car after subtracting the gas I put in the rental. The checks were printed on XX/XX/XXXX and its XXXX XXXX XXXX I have called about 15 times since XX/XX/XXXX. Customer Service rep told me this was ridiculous and to report it to CFPB for a response since they cant get back to me.
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| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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This is not a car dealership complaint. This is a Hyundai Corporate complaint.
My wife and I decided to buy our leased XXXX XXXX XXXX in XX/XX/XXXX, and we were approved for a car loan for the buyout amount of XXXX. Our Credit Union mailed the check and odometer/mileage disclosure statement to Corporate Hyundai Finance and waited for the title and bill of sale to be sent to them, so I could register the car and pay the sales tax at the Rhode Island DMV . When nothing ever came after a month, I called Hyundai and explained the situation, and they told me it was sent, but the credit union said nothing ever arrived. I called numerous times about the status of the title and bill of sale and was transferred to different people, even being hung up on by customer service when I pressed for more information. The credit union then got involved by calling Hyundai and received the run-around about how the title was sent, which it was not, and even they were hung up on by customer service. After another month and numerous calls, Hyundai sent a " letter of no interest '' to the credit union, and we thought the DMV would accept it. When I went to the DMV to register my car, that letter was rejected, and they told me that according to the law Hyundai has to send the title to the bank along with an updated bill of sale. If they can't find the title, they would have to request a new copy from the DMV and then send that with the bill of sale to the credit union. As of today, XX/XX/XXXX, 8 months later, the bank still hasn't received anything and my options are few, and I need some major help. I sent a letter with accompanying documents on XX/XX/XXXX, explaining the entire situation to Hyundai Finance, and wouldn't you guess, the letter seems to have never been delivered to them. I am going to send out more copies of that material to every department I can find to see if anyone can help. After doing my research, it seems this is a tactic Hyundai has used on hundreds and hundreds of people. My registration expires in XXXX, and I find it incomprehensible that Hyundai would partake in this kind of business practice.
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| 05/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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Web |
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Hello, my car was having issues the I purchased from XXXX in XXXX, AR in XXXX of last year, in XXXX of this year I had it towed to the actual Kia shop because I was told from XXXX XXXX XXXX, which is who XXXX uses for a shop, that my car needed a new motor. I had the car towed with my car insurance company, XXXX, since its free towing on XXXX XXXX. The car was towed to Kia dealership on XX/XX/XXXX. I didnt get a rental until XXXX because XXXX claimed they would give me a loaner vehicle & I never received one. I tried to request a loaner vehicle from Kia in XXXX, AR however I was told that they no longer have loaners because during Covid they discontinued the program but, Per XXXX the Service Dept manager, I would get full refund once I submitted what I have from enterprise to Kia. Well, its now XXXX & Kia has definitely given me the run around. First, they needed proof that my last 4 digits on XXXX invoice matched the card. I sent that in. Then they needed proof that my bank account processed the XXXX and something payment from XXXX I sent that in. Next they needed proof of the itemized bill from XXXX updated with the refund deposit submitted back to me from XXXX and something to XXXX and something, I sent that in. Next I requested that Kia escalate my issue because theyre were beginning to request plenty and nobody was telling me anything if I would get it refunded or not. I get a case manager XXXX, and now hes requested the Title or proof of purchase guess what, I sent that in even though I dont know what that would possibly prove for an XXXX refund. Now XXXX requested the towing bill! Its too much! My car was towed to Kia on XX/XX/XXXX & because they were too busy to get to my car and behind Kia just told the tow driver to drop my car off. They did not begin working on my car until late XXXX so Kia is trying to say I dont get the full refund of my rental I receive some of it because they wont pay for the days that Kia didnt work on the car even though I had the rental when its not my fault they were behind nor is it my fault they didnt do paperwork for my vehicle when it came in on the XXXX.
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I purchased a lease with Hyuandi and used their in house financing through Hyuandi Motor Financing. Upon the end of my lease term I decided to lease a new vehicle with the same company and equally went through their in house financing. My vehicle was paid of by the company themselves ( it was literally their vehicle ), the new lease was contracted, I put a down payment on the lease and made my first months payment and thought I was good. The same week I purchased the new vehicle I was receiving collection calls from their back office threatening reporting my late payment to my credit report. You can imagine I was confused because I was in a completely different vehicle and had already made a payment towards the new car. In a panic I went into the car dealership and spoke with the manager. I was told they can see in their system that everything is paid off and it just needs to process. I was told it take up to two weeks to process but no additional payments had to be made. Again, this was a duh for me because it makes no sense to be paying on a vehicle I no longer own. Not only was it in their possession but it was paid off and I was in a new car. Low and behold I receive an update on my credit report that after perfect history throughout the entire lease, they reported I did not make my last payment on time. I hopped on this immediately and have written all required information to Hyuandi. Not only will they not correct the issue but they are taking no responsibility for the negligence on their behalf. I spoke with multiple managers ( even for a second opinion ) and was consistently told it would be remedied. It has yet to be resolved and all Im getting is if you provide new information we will re open the investigation. What a poor investigation. What a poor process and what a poor experience. Now I am looking at a late payment staying on my report for 7 years because they refuse to remove this mark and own up to their mistake. Theres no reason I should have had to do so, but I would have even been willing to make an additional payment and have them reimburse me. Instead I was told otherwise.
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| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XXXX of XXXX, my Hyundai XXXX was deemed totaled by XXXX. I immediately connected with the deal, XXXX for the Gap insurance information because I was informed by XXXX that their value would not cover the full balance. Upon receiving the Gap information, I called the XXXX for instructions. I immediately contacted Hyundai Motor Finance to inform them of my misfortune. I gave them XXXX 's information and the information for the Gap company, XXXX. I was told by the representative the claim was still new and they had to wait to see what XXXX would pay before they would file a claim with XXXX. I was reassured they would handle it from that point.
On XXXX XXXX, XXXX, I received a demand letter requesting I pay the difference that was not paid by XXXX. I immediately called Hyundai to inquire as to what happened the gap claim. I spoke with XXXX who informed me that was not their job. May add that was not what was told last year. She was curt and brazen in her tone and refused to provide any assistance. I called the XXXX to find out what I needed to do. The first represented was n't very helpful and I demanded to speak with a supervisor who informed me if Hyundai can prove that they did try to reach out to them then they might be able to help. It appears that if they are not informed after the insurance company pays. the consumer forfeits their claim. I find that ridiculous. The supervisor stated that they should have emailed me a list of items needed to satisfy the claim. I told her I never received the email and she informed me it may have gone to spam. As a result, she sent the information again to help me get started.
After getting off the phone with XXXX, I immediately called back Hyundai for more information. I waited on the phone for twenty-five minutes only get XXXX who stated she could n't hear me and I needed to call back. She proceeded to disconnect the call. At which point, I decided it would be best get you involved. When your finance company drops the ball and demand payment, ( after they reassured me, they would handle the matter ) I need a power greater than myself to get answers.
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| 03/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
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I refinanced and paid off my vehicle loan with Kia Motors Finance ( KMF ) in XX/XX/XXXX. I sent them the cleared check that clearly stated that the " Payee '' - Kia Motors Finance cashed the check. It was in XXXX XXXXThey claimed that the " bank cashed the check '' and that they never got it. Not possible, however they still made that claim. They took an additional payment from me of {$450.00} in XX/XX/XXXX even though I had stopped the automatic debit option in XX/XX/XXXX. Their online portal showed the full payment made and I received no bills or notices from KMF in XXXX or XXXX of that year. In XX/XX/XXXX, KMF started sending me bills again even though payment in full had been made in XX/XX/XXXX. I called them, texted them and tried to get them to fix their problem after receiving these new notices. At first they said they would fix their problem, then they stated they received the payment, but that it had been credited to an " invalid '' account. Then they stated that there was an incorrect account number on the check they received and placed blame on the sender even though their name, my name and the account number were 100 % correct. Then they stated that the " bank had the money and that they didn't even have an account with '' the bank they cashed the check with.
Well, during all of this time, they continued to harass me for payment not due, continue to assign " Past Due '' charges to my account, continued to accrue interest charges, and I started receiving notices of impacts to my credit score along the way.
The bottom line is a warning not to ever do business with Kia Motors Finance unless you want to be treated as poorly and irresponsibly as they treated me. There is no " customer service '', only individuals under that heading that are there to solely protect KMF, take your payments, unfairly threaten former customers, and provide false information to cover themselves and KMF when their incompetence and mistakes are revealed. It is unfortunate that businesses like this are allowed to flourish and not be held accountable for their unethical business practices. Borrower Beware!!!
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| 09/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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In accordance with the fair credit Reporting act Hyundai Motor Finance, has violated my rights.
Hyundai Motor Finance recently took repossession of my car after I suffered a hardship ( was behind 2 months due to COVID-19 ). Spoke to a representative who asked me when I would be able to bring payment current - upon giving her a 5-7 day window- she explained to me that my vehicle was not currently in a repossession status as of yet but I needed to make that payment. Upon making multiple payments via XXXX XXXX quick collect totaling over XXXX which was more than what was owed ( my monthly payment was roughly {$670.00} ) right after I made the payment- my car was repossessed a few days later. Upon speaking with the towing company the lady expressed that sometimes they will lie to get you to make the payment and still take the car. I was working from home and with no childcare ( which was due to my daughters dad having XXXX ). I had to cover tuition that month which is what put me behind. I am a parent with one income - so I had no idea that they towed the car. Upon calling they told me that I had to pay the whole loan balance off opposed to the {$1700.00} that they said was past due. Keeping in mind I paid my balance. The tow trucker driver told me that the system is automatic and that because I paid via XXXX XXXX quick collect and didnt make the payment over the phone and it was the weekend Hyundai probably didnt know it was made. However, upon trying to explain my situation to Hyundai reps I was met with ridicule and condescending tones and one rep even disconnected the call. Ive been with Hyundai Motor Finance for a total of 7yrs that was my third vehicle in a row with them. So to be treated like that during one of the most low moments in my life was very hard. It impacted not only my mental health in the moment - but now I am without a vehicle, this will impact my credit as I am trying to save to purchase a home for my daughter and I. They refused to work with me only manipulate me into a payment just to go against their words. I am still lost and do not know what to do. Please help me.
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| 01/29/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I leased XXXX XXXX on XX/XX/XXXX.
I paid {$2600.00} in down payment which includes the first-month lease amount.
I was expecting the first bill around XX/XX/XXXX.
I haven't received it fro
m Hyundai until today. I called Hyundai salesman at the dealership who helped me getting the vehicle and he disconnected the call sending a text message " I will call you back ''. ( I have proof of the messages ).
After a few days, I called him again to receive the same text message.
I sent him a message explaining about the missing bill to explain the issue.
After a few days, I called the dealership number and reached the finance team which went to the voice message system.
This kept on happening and onXX/XX/XXXX, the car was repossessed from my apartment complex parking lot.
I called Hyundai care to disable car movement if they can and they suggested to raise a police case and provide the case number.
I went to the police station and they told the vehicle was repossessed.
I called the Hyundai care again and told them about this and they gave number of recovery team. It is closed for Saturday and Sunday.
Monday morning I called the recovery team and asked them I haven't received the bill and I was trying to reach the dealer and salesman but no help.
They went through the records and found the mails sent to me were bounced back, they noted my email ID wrong. They were contacting my employer 's phone number which I don't have access to. I gave it when they asked for employer details.
I haven't received any communication on how to pay.
They told me I need to pay a {$370.00} repossession fee and a lot fee which came to {$210.00} and police repossession clearance {$15.00}.
I asked to waive the fees because it was not my fault for not reaching the right number. I called my first point of contact ( Dealer ) but no use.
I pleaded them and left multiple voice messages to their manager XXXX XXXX but no use ( he never responded ). They know it is their fault but they say it is their process and I need to bear the {$600.00} for repossession charges.
I have uploaded the sale document for reference.
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| 05/14/2015 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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My sister provided Hyundai Motor Finance my phone # while hers was not working. I received a call from their XXXX number and when advised my sister was not available and asked who was calling. Female declined to identify herself or her company. I advised that the cell phone being called belongs to me and they no longer have my permission to dial my number manually or via their automated dialer. Female then hung up on me. My sister took care of the past due payment ( was just an oversight ) and we assumed everything was good. payment rec by HMF on XXXX/XXXX/15. On XXXX/XXXX/15 I recevied another call from HMF. I had my sister call back and they advised her account current and no record of call. Advised could furnish proof of call and requested again that they no longer call me.Rep said nothing he can do. Sister requested supervisor who told her the only way they would guarantee no calls to my phone is if she revokes her permission for ANY phone contact. My sister said she still wants to be contacted, just not at my phone number. Supervisor said nothing he can do. Also said that there were no automated calls out and that the only way she would have been dialed after she revoked permission, would be a manual dial. I called back in and advised that it is my cell and I revoke authorization, that they absolutely were not to manually/auto call my number any further. Ultimately they were calling out to an unauthorized party about a current account ... manually. Intentional harrassment. I received another call today from the XXXX number and a 28 second long dead air voicemail. Sister called back in and of course they had no record of call and were unhelpful again. I called back in, they said i had to get in touch with consumer affair department and because I 'm not a customer, just an innocent third party that they are harrassing that I would have to communicate with them via mail. Finally agreed to send me over via phone so solution could be expedited, but they kept just transferring me back to customer service. Eventually male rep told me that there was nothing I could do about the phone calls.
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| 12/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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XXXX has my loan for our car that was totaled in XX/XX/2019. My insurance company and I have been calling weekly over the last two months attempting to get a letter of guarantee to get the loan paid off. XXXX has changed their story every time we call. I was told the letter was sent back in XXXX then it was they needed additional information from the Insurance company which was received on XX/XX/XXXX. Then it was they had the wrong fax number then it was the letter was never created as the total loss department is backed up. Then last week i was told that the total loss department is caught up but mine was overlooked. They can't communication with the Total loss department other than email. There is no way to call them. I have called 1-2 times a week and keep being told i have to wait there is nothing they can do. Multiple emails have been sent by my insurance company and the customer service team to this total loss team, but yet not one of them have been responded too. My husband and I both work and have a XXXX XXXX XXXX. We need 2 cars, we have had a hard time getting another loan as this one is still reflecting on our credit report over 2 months after it's been totaled. We had to get a loan for a new car with a higher than we ever had interest rate and we can't afford to pay three car payments. So now this loan is behind and they are reporting it to our credit when it should have been paid off over two months ago but we are waiting on them. I talked to two supervisors over the phone with customer service who keep telling me i'm XXXX there is nothing they can do as they can only email the total loss team. The stress and time i have put into this totaled car over the last three months is ridiculous. How can a company 's only contact with a department be by email? XXXX is gaining interest and fee on this account by not allowing us to pay it off. But yet i have to continue to take time out of my already busy schedule to call and get told that i have to wait longer. I have been waiting long enough! All the insurance company needs is the letter of guarantee and this loan could be paid off.
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| 08/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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We leased a XXXX XXXX XXXX, new from XXXX XXXX. Turned in the lease on XX/XX/XXXX. And purchased a new XXXX XXXX XXXX from the same XXXX dealership. In XXXX we received a notice that the XXXX XXXX XXXX was in collections and a repo guy came to our house looking for that car. We got in touch with XXXX XXXX to see what the issue was and come to find out they didn't " ground '' the car. Kia stated that it was a mistake on their end and they would take care of it. Our credit was severely damaged from a issue that was not our fault.
Then XX/XX/XXXX ( so 2 years after we turned the car in ) we received another letter stating we owe {$1000.00} for " Early Termination Liability ''. Obviously we didn't know what this was about, so after making MULTIPLE calls to the Kia Customer Finance, which was no help, we decided to go up to a XXXX XXXX. Well the XXXX XXXX was sold to XXXX XXXX. They took a look at all of our documentation and said this was a huge mistake on XXXX XXXX 's part but they couldn't help us. They said it was not " XXXX 's '' problem it was " XXXX 's '' problem. They XXXX XXXX XXXX XXXX told us that it looks like XXXX pushed back the grounding date of the car on XX/XX/XXXX. Apparently they can only backdate it so far, which makes it look like we turned in the car in XXXX, when we did all of this in XXXX.
I then contact the XXXX of XXXX. He states that is not able to help us. And that XXXX is " stonewalled '' from helping us because of XXXXXXXX XXXX liability.
Our account number is : XXXX We called XXXX and spoke to someone on XX/XX/XXXX for 24 minutes. XX/XX/XXXX for 28 minutes. Called XXXX on XX/XX/XXXX minutes and then again on XX/XX/XXXX for XXXX minutes. This was all XXXX XXXX relations who were not able to help us in regards to this bill.
We have attached the Lease Agreement that states we owe {$1000.00}. We have attached the contract for the XXXX purchase of the new XXXX. I have attached all of the communication with the Sales Manager XXXX XXXX from XX/XX/XXXX. We have attached our entire payment history of the XXXX lease. The customer delivery checklist is attached.
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| 05/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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I secured a XXXX loan with Hyndai Motor Finance. My monthly payments are {$550.00}. due and payable on the XXXX of the month. On XXXX XXXX I made XXXX payments to Hyndai Finance. XXXX from my personal bank account and the other from my business account. I could n't stop the personal account payment because it was automatically deducted from my account. On the XXXX of XXXX I called Hyndai Finance and told them I had made a XXXX payment and requested a refund of {$550.00} because of this. I was then told by XXXX of their Customer service XXXX that he would arrange for the refund and I would be getting it shortly. Not true! XXXX weeks later I called Hyndai Customer Service back again, ( XXXX of the next XXXX calls I would eventually make to them ) and was told that I would have to wait a total of 20 business days till my refund was processed! I waited the prescribed amount of time and called again and again through XXXX XXXX. On XXXX XXXX I was told that my refund was being processed, they confirmed my home address and told me the payment " was in the mail '' ... Today, XXXX XXXX, 2015 I called because I had not received the payment and asked why ... I was told today that I needed to confirm with them that the original payments had been made and negotiated by the banks!!!
Nonsense! they knew this was so on the XXXX of XXXX and acknowledged this to me!
I have yet to receive the refund..I am helpless in this situation and have no idea when I will be getting my refund ... I have been ripped off by Hyndai Finance and do n't know how to solve the problem other than filing a law suit against them, which I believe I will do if I get no satisfaction this week.
Hyndai Finance is a predatory scam operation..Their business practices are XXXX step below criminal..Their Customer Service Operation is nothing more than a " slip of the tongue, service, tell them what they want to here with no solutions to any problems ''. They do n't deserve to be in business nor do they deserve the fiduciary responsibility of taking my money.
I would appreciate any help you can give me in resolving this situation..
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| 11/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Account reinstatement or redemption after repossession
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Web |
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Kia Finance America has violated XXXX XXXX and XXXX XXXX rights on many fronts. I have proof and paperwork documented of the fraud, non disclosure and breach of contract with how they violated our rights.
On or around XX/XX/XXXX, I got the payoff for my XXXX XXXX XXXX, from Kia finance america. I sent in my certified funds for the amount a little over the payoff to cover any interest or overages. Kia accepted payment and then released the lien also the title and they sent us clear title with no liens. I then got the certified copy of the title. Then a couple months later kia stated the payment was reversed and not accepted. Which is a violation of my rights on many levels. Acceptance of payment so discharged. They never returned anything back to me. My equity has been taken and my rights violated. My wife and I both called to resolve this matter but Kia insists that we still owe approximately {$9400.00} on said vehicle. Kia has violated constitutional law, contract law, ucc, codes and statues that are put in place to protect XXXX and XXXX XXXX as the consumer.
So now they say we are 160 days late and the car was illegally repossessed. I have the clear title with no liens. I also called Kia again and entered my social security number to verify myself and they state thank you for your payoff and we will be sending your title in the mail as you requested. So it still shows my payoff on the automated system. Kia has illegal sent out repossession orders to XXXX XXXX XXXX in XXXX XXXX Florida which now holds my private property illegally. I contacted Kia again about the illegal theft of my vehicle and property and they claim my account is being handle by a special department and they would need 3 days to contact me back. This happened to my wife 2 months ago when she called Kia to try and figure this out. Kia never contacted her back. They never contacted me. Kia claims they cant leave messages when calling, so how would we know if they called if we didnt answer or were busy at work? This has caused my wife and I unbelievable heartache, stress, financial hardship among many other things
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| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Todays date is : XX/XX/XXXX Regarding Account : CERTIFIED MAIL RETURN RECEIPT REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling.
Account Name : Account Number : XXXX XXXX XXXX : KIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost.
You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion.
Also, make sure late fees are accessed properly.
In this regard, I hereby request the following steps to remedy this situation.
To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account.
Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company.
Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date.
If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others.
If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report.
Im thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/25/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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We had problems with the vehicle I leased from Kia Finance from the very beginning. There were check engine lights that would periodically come on. I took the vehicle to my Kia dealership XXXX Kia in XXXX , MI on XXXX XXXX , because I was concerned by these lights and I was told by them that they could not detect an issue. I suggested changing the oil and doing a more thorough inspection but they advised that it was not necessary. Eventually the vehicle died and I was told it was because the oil was never changed. I was disturbed by this because the vehicle had been to an authorized Kia Service Center multiple times and even when I suggested an oil change was told by these supposed expert professionals that they could not detect any issues and told an oil change was n't necessary, multiple times when the vehicle was brought in. We had the vehicle towed to the XXXX Kia dealership and was informed that they would contact us to see what they could do. Months went by without us receiving any word from them, until I received a bill in the mail recently for {$9800.00}. This included {$8900.00} in unpaid lease payments, {$400.00} disposition fee, and {$530.00} in official fees and taxes. The bill also indicates that the {$9800.00} payment is due within 15 days of the notice. This is totally unreasonable. When I contacted K ia Finance they advised that they could not even discuss payment arrangements until the account went to Collections. I do not think this is right that I am being asked to pay for a vehicle that was ruined though I did my due diligence and took it into a Kia service shop multi ple times to voice my concerns with the warning lights that would come on from time to time and even recommended an oil change, which ultimately ended up being the reason why we were told that the engine died. It is also completely unfair that my credit will be ruined by this unjust bill of {$9800.00} that is due in a ridiculous amount of time, 15 days. I do n't think that anything should be owed on the vehicle and want this to be immediately removed from my credit report.
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| 05/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I have been trying to correct a multitude of problems with Kia Motors Finance since XXXX of XXXX due to them incorrectly applying extra payments to interest instead of principal, erroneously charging me late fees and NSF fees and later agreeing to waive them but never updating my balance, charging me higher interest on a higher principal balance due to failure to correct my principal balance as promised and then later promising to correct the inappropriate interest charges and not doing so, and continuing to erroneously report a late payment and incorrect balance to the credit bureaus despite dispute and numerous calls. I contacted Kia on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, email on XX/XX/XXXX, XX/XX/XXXX by phone an email, and today I spoke about the problem again with a XXXX reference number XXXX who confirmed they still had not corrected the payments but he could see I have called numerous times about it and that it was supposed to be corrected. I spoke with a supervisor on XX/XX/XXXX who reported she would " waive the NSF and late fees '' and XXXX said he saw that and it should have been updated within XXXX hours by Friday XX/XX/XXXX but could not explain why it had not been updated once again. I have included call logs, my Kia Finance payment history that shows payments, and how the principal balance has not updated in months nor have the extra payments for principal been moved as promised. You can also see NSF or late fees randomly applied to my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They also applied {$510.00} out of my {$700.00} to interest only on XX/XX/XXXX payment which is more than the required {$600.00} and then reported me as late in XX/XX/XXXX to XXXX and the other credit bureaus despite filing disputes with all XXXX. I am tired of calling this company and them doing this to me and the late payment interfered with a mortgage application I applied for just last month and was part of why I am paying a higher deposit to my new apartment since I could not get a mortgage.
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| 07/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My leased XXXX XXXX XXXX was involved in a total loss accident. My insurance company XXXX got all the paperwork together and sent all necessary documents to Hyundai Finance who manages my lease. The accident occurred on XX/XX/XXXX and the paperwork was submitted on XX/XX/XXXX. Despite 5 phone calls and numerous emails, Hyundai Finance is refusing to supply XXXX Insurance with the letter of guaranty and copy of title. I received a letter from Hyundai Finance on XX/XX/XXXX stating that " monthly payments are not required after the date of loss '' but I'm still getting billed by Hyundai Finance to make lease payments. After calling twice to Hyundai Finance and speaking to two supervisors on XX/XX/XXXX, they hung up on me after promising to " escalate '' the situation and look into the matter. The first supervisor 's name is XXXX XXXX XXXX employee id XXXX - he refused to give his last name ) and the second supervisor did not give his name. They have no explanation for why they aren't sending the requested documents to my insurance company, and meanwhile, I'm being charged to pay for a lease on a totaled car that I'm not driving. When I ask Hyundai Finance why the requested documents haven't been sent and if I can speak to someone in their department, their response is " all we can do is send them an email request and there is no to physically speak to. '' After I called the number at the bottom of the attached letter, the supervisor said he was going to look into my account and ended up hanging on me.
I feel there is definite fraud going on here. They won't send the documents to my XXXX insurance company so they can get paid the car value check, and they won't close my account. Meanwhile, I'm still being billed for payments and having my credit report threatened even as they send me correspondence saying I don't have to make any further payments.
Please help! I just want Hyundai Finance to send over the letter of guaranty and close out my account. My complaint is with Hyundai Finance who seem to be behaving in a fraudulent manner.
Re : Hyundai Finance Account Number XXXX
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| 09/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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On XXXX XXXX, XXXX my son was driving a Hyundai XXXX that was in an accident and totaled. I co-signed the loan on the car. The insurance covered the cost of replacing the car along with GAP insurance that was paid to Hyundai Motor Finances on XXXX XXXX, XXXX. My account with Hyundai is # XXXX. In XXXX, XXXX I happened to check my XXXX Credit Report and noticed that Hyundai was still reporting almost {$20000.00} still being owed on this car that had been paid off by the insurance companies. i contacted both XXXX and Hyundai about this. XXXX issued a dispute to Hyundai and considered the car as having been paid in full. When I finally got through to Hyundai Motor Finance the representatives were very rude and stated that there was a {$350.00} balance left on the car. I questioned them as to what this was for and they could not tell me specifically. I asked, if there was a remaining balance on the car, since GAP paid them in XXXX, why they never contacted me or sent me a bill. They told me they do n't do that and I " would have figured it out eventually ''. When I asked to speak to a supervisor I was told that one was not available and they had up to 72 hours to return my call. Today is XXXX XXXX and I am still waiting. I sent a certified letter to Hyundai Corp. offices in California on XXXX XXXX telling them about the problem I was having with Hyundai Motor Finances. I received a one sentence letter back stating that the balance was correct. Again there was no explanation of what it was for. A regular car payment is {$380.00} a month so this balance was not even for a monthly payment. On XXXX XXXX I again called Hyundai and spoke to someone named XXXX who told me a bill had been sent on XXXX XXXX. I never received it. I asked her to send me another bill and itemized statement. None has ever been received. Yesterday I received a phone call from a woman at a collection agency telling me the account with Hyundai had been sent to collection. I explained the situation to her and at this point I am absolutely livid. In addition, my credit score has dropped XXXX points this month.
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| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This complaint is in response for complaint number XXXX. The facts are XXXX received THREE checks. XXXX received two checks on XX/XX/22 for {$3700.00} and {$1400.00}. On XX/XX/22 XXXX received the THIRD check for {$1700.00}. All three checks was applied as a monthly payment. Under complaint XXXX XXXX alleged that I requested all three checks to go only towards my principal balance, which is a LIE! I attached the emails between me and XXXX XXXX who works at the Ohio General Attorney office which show me ONLY requesting the check for {$1700.00} to go towards my principle balance. If you look at XXXX XXXX response who ( works at Hyundai Capital America ), his response is highlighted showing XXXX XXXX acknowledged I only wanted to apply the check for {$1700.00} to my principal balance. Where do you see me asking for the first two checks {$3700.00} and {$1400.00} to be applied to my principal balance? NO WHERE!!! XXXX XXXX failed to apply the third check {$1700.00} to my principal balance which prompted me to call XXXX on XX/XX/22 to request this be done because XXXX XXXX ensured that it would be done and FAILED to do so. On XX/XX/22, is when someone from XXXX went in and moved the money from payments {$3700.00} and {$1400.00} to my principle balance WITHOUT MY CONSENT, which made my account late. Someone from the customer care team called on XX/XX/22 and admitted/ACKNOWLEDGED that XXXX made an error on my account and did not try to correct the issue. Instead, XXXX tried to make it seem like my account was late when it wasn't until XXXX went in and changed my payments. I sent in all the proof, showing I DID NOT request all THREE ancillary product refunds that XXXX received to only be applied to my principle balance. The calls are recorded, this is also my proof! I was never late, XXXX received two payments on XX/XX/22 which paid my account up to XXXX, the reason why I received NO PAYMENT due statements for XXXX and XXXX. I even attached my payment history showing {$300.00} going to interest for checks {$3700.00} and {$1400.00} before XXXX went into my account to changed it.
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| 05/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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My name is XXXX XXXX of XXXX , NJ. I purchased a XXXX Hyundai Sonata fr om XXXX XXXX Hyundai DBA XXXX Hyundai @ XXXX XXXX XXXX XXXX XXXX , NY XXXX . The car 's list price was {$29000.00} and a Service Agreement of {$3400.00}. I ended up financing {$35000.00}, with a finance charge of {$24000.00} ( 18.99 % APR for 72 Months ). My monthly payment was {$830.00}. The total sale price was {$65000.00}. I gave the dealer a {$5000.00} downpayment, part of which he told me would be applied to my first monthly payment, and the rest would be applied to the downpayment of the car including Motor Vehicle Fees and taxes. My complaint is that on XX/XX/XXXX the car dealer advised me to sign the blank contract as I had my child, was in a rush for work, and he would fill in the details based on our verbal agreement. To my dismay, upon receiving a XX/XX/XXXX letter from Hyundai Motor Finance I had a contractual agreement to pay twice the amount of the value of the car. This is in stark contrast to the dealer 's prior verbal assurance that my car payments would be no more than {$320.00} per month.The dealer pacified my complaint by telling me that he would rectify the matter with a new contract, but I should make payments as to not run in default on the contract. Coincidently, a majority of my payments are applied to the interest and not the principal. Eventually, I could not keep up with the payments, after losing my job. After the last partial car payment on XX/XX/XXXX , and a verbal agreement with the finance company to pay the balance the following morning, my car was repossessed the following day. Subsequently, the repossessor sold my car for {$9000.00} at an auction and is now harassing me for {$23000.00} to be collected by XXXX XXXX , XXXX ( Collection Agency ). Please help as this is ruining my credit, placing me under XXXX . I am a single mother o f a XXXX -year-old chil d who was born with XXXX and has had XXXX XXXX , which is causing financial and XXXX hardships. Please see attached file of documents to support my claim.
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| 02/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Kia Finance formally Kia Motors Finance has charged me a check return fee that I should not have been responsible for as it was an error in their system. I submitted my regular car payment on XX/XX/2023 using the same checking account I have used with them for over six months. Matter of fact when I went to pay online the account and routing numbers were auto filled only showing the last four digits of the account number. Days went by and I noticed my payment had not came out of my account. I called my bank they said nothing had came through for the payment and I had nothing pending. I then Called Kia finance where I was advised my car payment was late and that they were trying to collect a debt. I said I made my car payment why did it not go through. The customer service rep advised that it was returned invalid account number???? How is the account number invalid when I didn't even have to type it in because its been preloaded the last several months. I was also advised of a {$25.00} fee for this. I was advised there was nothing the agent could do other than submit a customer complaint. I then asked for a supervisor in which I was told that there is not one available. That the only way I could speak to a supervisor was by doing a customer complaint and I was told I would receive a callback from a manager within 24 hours. It has been five days and I still have not heard anything from Kia Finance. How is this legal that they get to do this. Also to avoid getting a late fee added on I went ahead and paid the full amount due. Which in return I got a {$7.00} fee for making the payment over the phone. This needs to be addressed as I expect a refund of these fees as this was an error that was no fault of my own. This has to be on the company, There is an issue with their payment system which caused my car payment to not go through. On another note when a car payment is late with them they charge something called " daily interest fees '' which is added to the end of your loan. I can not find any information about it in my contract I signed with them but I am not usually late.
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| 05/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX XXXX ( Car Dealer ) uses predatory practices towards the elderly ( my Mother ). My mother is XXXX XXXX ( and has had failing XXXX for the past 7 years. Dealer has solicited her and been talking her into taking a new car, under a reoccurring LEASE every 1 - 2 years. I live in CO and she lives in CA. She can no longer drive or take care of herself and need to move her to CO into assisted living. The payments have also incrementally increased to where she is paying close to $ XXXX on a lease of a Kia XXXX. The going rate for a lease on this car is closer to $ XXXX. Currently, she owes {$36000.00} on a car that is only valued at {$26000.00}. Dealer said they bare no responsibility and that changing out leases every year is a norm ( he indicated he did it himself, but then backtracked when I asked if he would put that in writing ). A very nice sales rep XXXX XXXX XXXX XXXX noted that there are records of their sales staff soliciting her to trade in every year.
Here is the breakdown : XXXX XXXX a new Kia XXXX XXXX finishes out lease ) - No issues w/ this lease.
XXXX New Lease on XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX Solicited for new lease on new XXXX- She signs on XXXX ( XXXX ) - Solicited for new lease on new XXXX- She signs on Total owed to terminate current Lease {$22000.00} ( will not own anything at end ) Current buy out for latest vehicle- {$36000.00} Current car worth ( XXXX ) - {$26000.00} Lease payment : {$670.00} for 48 months starting XX/XX/XXXX Multiple calls with XXXX XXXX. My husband took a trip to CA and tried to speak with the owner XXXX XXXX ( would not see him ), the GM ( would not talk to him ), and finally the Sales manager ( XXXX XXXX XXXX whom he spoke with. He claimed no responsibility and said that if she passes, to supply the Leasing company a death certificate and that they would then allow for a resolution. Also tried to insinuate that yearly car exchanges as part of a lease are the norm ( said he did it himself, until my husband asked if he would put it in writing and he backed off ).
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| 08/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Hyundai Finance refuses to give the consumer any paper title, even when the loan on the vehicle is paid off. This is a racket as it causes the consumer great hardship when wanting to sell the vehicle ( unless you go back to Hyundai or XXXX of course. ) Our situation is that we bought a new vehicle in XXXX from Hyundai in XXXX XXXX. We bought a XXXX XXXX XXXX and financed it through Hyundai as a great rate was offered through the dealership and factory. ( We did n't think anything about not getting a paper title because we had a loan on it. ) Once we paid the loan off in XXXX, XXXX, however, we requested the title. The XXXX number for Hyundai Finance said we would receive it in the mail and if any problems to just call them back. We also told them we were in process of moving, but it did not concern the customer service representative. We moved to XXXX for a job transfer in XXXX, XXXX. Our mail was forwarded, but all we received from Hyundai was a " Dear Customer '' letter dated XXXX XXXX, XXXX. It states, " Congratulations! Our records reflect that your retail installment contract, referenced above, is paid in full. '' In the next paragraph it states, " The original lien on your vehicle was filed electronically and your title will be forwarded to you by the Department of Motor Vehicles. You should contact your local Department of Motor Vehicles division for questions regarding your title if you do not receive it. '' So we called XXXX DMV, where we resided since XXXX and the where the vehicle was registered since. XXXX DMV told us our vehicle was still titled in XXXX. Upon calling XXXX, they said to fill out a form and mail to them and they would send us a " replacement title '' because the title is only electronic. I find this horrible practice by Hyundai, causing a lot of consumers unnecessary grief and confusion regarding an expensive asset. Is n't it a violation to not give the title back to the consumer, and put this all on the states and their residents? What about people who have to move for a job or military? I ca n't see XXXX or XXXX doing this practice.
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| 09/05/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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On XX/XX/XXXX, I timely returned a leased vehicle to the XXXX Dealership in XXXX, CA ( " Car Pros '' ). The vehicle was XXXX miles UNDER the contractual maximum. An onsite inspection was performed at the direction of XXXX XXXX [ last name omitted ] during which they took the vehicle into their repair/maintenance section for approximately 30 minutes. Mr. [ last name omitted ] returned to me with a " Vehicle Return Receipt, '' which lists the mileage and date of return. We both signed it. He verbally stated the vehicle looks fine, and that they were going to ship it off " for auction. '' As the car was XXXX miles under the allowance, and there were no defects, damage, or noticeable wear given the low mileage, there was no discussion at all about " excessive wear and use. '' In any event, the car DID NOT have " excessive wear or use. '' On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, which has offices in CA and TX, which states " This is an attempt to collect a debt, '' demanding {$480.00} for excessive wear and use. XXXX offered no accounting or evidence of the alleged " excessive '' wear or use. And, as XXXX has had the vehicle in their possession for several weeks, I now have no means to inspect the vehicle myself.
I find the practice of accepting a vehicle return, doing an inspection at the dealership, providing the return receipt with no mention of a further inspection or evaluation, and then sending a bill for {$480.00} for " excessive use '' to be extremely unfair and vulnerable to fraud and abuse. The consumer is completely at the mercy of the anonymous and unchecked leasing company, which obviously has an interest in charging fees. I am predicting there are other consumers who have encountered this problem.
I called the XXXX # on the debt collection letter XXXX same as above ), and entered the last four digits of my SS # as requested, and then a recording says " this is an attempt to collect a debt and any information you provide will be used ... '' Eventually a recording told me to call back. I have not yet called back that XXXX # number.
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| 10/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I leased a XXXX XXXX XXXX ( VIN # XXXX ) vehicle from Kia Finance. Lease ended on XXXX. We issued a check and bought the lease vehicle for {$17000.00}. We received the title and bill of sale in late XXXX. NJ the sales tax is 6.625 %.
The Bill of Sale and Title does not reflect the sales tax paid by me. It indicates {$0.00} sales tax paid when in fact {$1000.00} sales tax was paid per their payment history documents. This amount is exactly 6.625 % of the purchase price.
Purchase price = {$15000.00} Sales tax collected = {$1000.00} Other fees collected = {$320.00} Check Total = {$17000.00} I contacted Kia Finance on XXXX and reported the issue. I reviewed the issue and reviewed the numbers and they confirmed the amount collected for sales tax. They stated that the bill of sale will be updated to reflect the amount collected. They stated that the title can not be re-issued. They stated it would take 3 weeks for the document to be approved and mailed out.
I called Kia Finance on XXXX since I had not received a corrected Bill of Sale or Title. The agents informed me the request was denied internally but no reason was given. I escalated to a manager at the call center since my car registration was expiring XXXX. He indicated that he has escalated the request and that I should receive the corrected documents by the end of the week. Documents will be emailed. No documents were received and my car registration has expired. The call center continuously drops my calls and I have not been able to resolve the matter and Kia has not reached out to me to provide an update. I need to register my vehicle and will need to rightfully reflect that sales tax has been collected by Kia Finance.
I will be including the following : Payment history- which documents the sales tax collected.
Check Image Kia Letters dated XXXX and XXXX Kia Title - indicates no sales tax collected on the tax stamp and on the back of the document Bill of Sale - indicates no sales tax collected Kia Paid in Full Document Kia Motors Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX
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| 04/23/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I got a lease from XXXX XXXX XXXX back in the middle of XX/XX/XXXX. Everything seemed great on their end but, then I noticed in early XX/XX/XXXX that they made 2 unauthorized hard inquires on my credit report.
Starting in early-mid XX/XX/XXXX I called and spoke with numerous Managers and finace managers at the XXXX XXXX XXXX XXXX dealership. By the way it was very hard just to get ahold of them on the phone. I started with leaving multiple messages and voicemails to the people in charge. Finally I was able to get ahold of a couple of different managers but, they stated that they either could not do anything or that they were going to check and see if there is something that they could do. I gave them a sufficient amount of time to get back to me and provided them with my personal cell phone and email address but, they never called me back. I tried calling them and getting ahold of them again but, I was unsuccessful in getting any sort of resolution this way ( all of this went on for about 5-6 weeks ).
In XX/XX/XXXX I consulted a lawyer and he helped me put together a formal letter ( attached below ) as the next step to try and find a solution. I stated my complaint and asked them to remove these unauthorized credit inquires from all 3 credit bureaus. Yet, I never even received a response from them after waiting months ).
About 90 to 120 days later ( either in XX/XX/XXXX or at the very latest XX/XX/XXXX I called the coroprate number for XXXX. I spoke with a customer service representative and a supervisor and they said they would get back to me with a resolution within 1-2 weeks. They never called me back within that time-frame so I called them back around XX/XX/XXXX and they stated that it could take 30 days to resolve.
Now it has been almost 60 days since Ive conatcted them and I have not recieved any calls or anything close to a resolution for everything. So, at this point I feel as though Ive given XXXX more than enough time and I feel that Ive done all I can in dealing with XXXX myself and Im now hoping thag cfpb can resolve this matter for me.
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| 01/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I Leased XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX. shortly after the lease I find myself under a lot of emotional and financial XXXX as I am now a victim of these theft and vandalism crimes in my area, which are still on the rise for this exact make and model. First date was XXXX XXXX my vehicle was in the area of where I attend XXXX XXXX XXXXXXXX the window was busted in and I had to repair it out of pocket cost {$300.00}. And again rear window was busted into XXXX XXXX another out of pocket cost of {$300.00} for window repairs! There is also damages to the key ignition and steering wheel column which impacts the cars overall function. Repair cost and estimate is still pending at this time. After the first incident I took the car back to XXXX dealer in XXXXXXXX XXXX and other places to try getting out of this vehicle, I was told my car had depreciated in value to $ XXXX which is ridiculous. now with no where to turn I feel trapped in a vehicle that has caused me already too much XXXX XXXX XXXX XXXXXXXX, I am risking my safety driving in this vehicle, not to mention the fears I have driving and parking it anywhere in an open area only to come to a missing or vandalized car is sickening. These incidents have left me to drive with broken glass, during winter months standing outside having to call police to scene, crying and feeling completely violated. In other recent attempts to trade in I feel undervalued as a customer at these dealerships and as a consumer of a XXXX vehicle. The low trade- in value Im rudely being offered for this vehicle is not fair, I should be able to trade this car in for something of equal value as my purchasing price. I can not afford to think my only option is to just under sell it after only having it for 4months, I want to avoid giving up on this car and ultimately ruining my credit over Hyundais faulty production of older models not installing immobilizers leading to this ridiculous trend of cars being stolen! By reaching out I am wishfully hoping someone can assist me in a better solution!!! For my peace of mind and safety!
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| 05/24/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I wanted to get some help for I am being defrauded.
I've been defrauded by a women who I dated for couple of months, I leased the car worth {$23000.00} 2019 XXXX XXXX under my name on XX/XX/2019 for her to commute because she has no credit to buy or lease the car on her own and her existing car has serious problems and so she can no longer drive that car.
Right next day after she took the car from a dealer in XXXX, she discontinued and blocked our conversation over text and voice as well ( she did not respond nor answer my text ) and 5 days later she said she wanted to end the relationship out of nowhere.
I asked her why didn't she tell me sooner and took 5 days without any communication or stop leasing the car when she knew that she was going to end the relationship the right next day?
and she said she never asked for it but the fact is we've been shopping for a car over a week and I even shopped at the dealer while she was at work and sent cars information back and forth over text messages and we already discussed on the car issue quite some time and now she is trying to get away with the situation when I am left with {$23000.00} car for nothing.
I already have two cars of my own and no other cars needed for me and I really don't know what to do with this terrible situation.
I asked the dealer if I could return the car but they said it is done deal and they won't accept it back She was there when we leased the car the whole time, she saw I signed the contract, a sales person is my witness and she was the one who drove off from a dealership and after she ran over 100 miles during the last 5 days and she left me a debt for {$23000.00} I can't sleep nor eat because I feel so sick and stressed out in this situation and needed to get help from consumer advocate like you I believe fraud is a serious crime and I firmly believe that she must take the responsibility on this matter.
I have all the evidence such as text message conversation and witnesses.
She resides in XXXX, California Please advise me what I can do to get out of this situation.
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| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I am writing in hopes that I can get my automobile title situation resolved as quickly as possible and would appreciate your assistance and investigation into this matter. The vehicle I am writing about is a XXXX XXXX XXXX - VIN # : XXXX. I was at the end of my lease on the XXXX from Hyundai Motor Finance and I decided to payoff/purchase the vehicle instead of returning it. I requested a payoff quote and mailed Hyundai Motor Finance a cashier 's check in the amount of {$10000.00} on XX/XX/XXXX. Hyundai Motor Finance received and applied the check to my account on XX/XX/XXXX. The only document I received from Hyundai Motor Finance for proof of payoff was a Paid In Full Letter ( attached below ). I asked if needed anymore documents in order to obtain my vehicle title and a representative told me they had submitted an electronic release of lien to the TxDMV. Unfortunately, I have attempted to obtain the title of the XXXX XXXX for the past year now with 2 visits to the XXXX XXXX Tax Office in XXXX, TX with the representative telling me they have received no electronic release of lien from Hyundai and that Hyundai Motor Finance was still the owner of the vehicle. They told me the Paid In Full Letter and my copy of the cashier 's check was NOT enough documentation to complete the title transfer. Can you please help me obtain the vehicle title for my XXXX XXXX? I have tried in good faith to have Hyundai confirm they had already submitted an electronic release of lien to the TxDMV and there was nothing else they can do for me. I have read many other horror stories online on XXXX forums with other consumers having the exact same problems with obtaining vehicle titles from Hyundai Motor Finance. I am NOT alone in this predicament. It was recommended in those forums to file complaints with the XXXX and CFPB describing my situation as I am doing now over 1 year and 3 months later! I would appreciate a quick response to my inquiry. Please contact me at XXXX or on my cell phone at XXXX with any updates/next steps. Thank you for your assistance in this matter.
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| 02/24/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I previously submit a complaint about my early lease termination with XXXX XXXX XXXX. My complaint seemed to be resolved and I was told on XX/XX/XXXX that I basically do not have anything else they can possible bill me for. On XX/XX/XXXX, I had a XXXX dealership contact Kia finance to get my remaining payoff balance. My salesman asked Kia Finance for ALL fees, all balances so that way it can be rolled into my new XXXX lease. They gave them a pay off balance of {$2600.00}. XXXX paid that balance. Fast forward to XX/XX/XXXX, I received a bill in the mail for {$360.00} from Kia finance. I called Kia Finance and they told me my remaining balance was {$3000.00} so I am paying the difference of {$360.00}. XXXX specifically asked for ALL fees, ALL remaining balances so why am I stuck with an early termination fee? After contacting Kia finance, this was not resolved and I was told it would be easier to discuss the fee with my XXXX salesman. I called my salesman at XXXX and he had no problem calling Kia to sort this issue out as I should not have ANY bill from Kia finance. Thankfully, Kia finance records calls for quality assurance but when requested by my XXXX salesman for the call to be pulled to show Kia finance that he specifically asked for ALL FEES AND ALL BALANCES, Kia finance said they are not able to pull the call but a manager can do a manager will be in contact with one of us. I have not received a phone call. My salesman has not received a phone call. To my knowledge, I still have a {$360.00} bill from Kia that I absolutely will not pay until that phone call is pulled for proof that they were supposed to give this balance to XXXX. I can not believe the amount of XXXX I have had to deal with during my first lease with Kia. My salesman from XXXX is completely baffled at this company. The only way this will be resolved is if Kia pulls that call and hears that my XXXX salesman asked for all balances and Kia did not provide him with this random fee. Im not paying it and neither is XXXX so hopefully Kia finance can figure it out amongst themselves.
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| 10/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American |
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On or about XX/XX/2017, I purchased a car from XXXX XXXX dealership, XXXX XXXX XXXX XXXX, XXXX XXXX Il XXXX and HYUNDAI Motor Finance, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX was the Finance company. Because of hardship, XXXX, brining extra bills that XXXX care did not cover I felt behind in my payments by two months. Within that two months I started paying my car notes as normal, $ XXXXusually before it was due. I called and talked with the finance company after reading in my contract that I could extend the date in my contract if there was a problem therefore I called the finance company and ask for my contract to be extend my contract for last payment by two months. The young lady told me that I could do that if I double my payments for three ( 3 ) months, I told her that if I could do that I would not need to extend my contract date. The next bill I send the regular payment {$340.00}, plus two-hundred dollars ( {$200.00} ). I couldn't continue to do that it would put me behind in my medical, and utilities bills. Therefore I just send the regular bill of {$340.00}, every month, I receive Social Security and I'm on a budget, therefore I didn't have extra money. To honest I was going to pay Hyundai when the stimulus check from the government came, I'm still waiting and they're still playing while people are in desperate need. Under the laws as I'm too understand of Illinois, and UCC 9.506. as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere.
also I never stop sending in the regular payments it was just the two payments and they could have extended my contract by two months. Being a senior the car was my transportation to shop for groceries, go to my doctor appointments, as well helping other seniors get to the doctor and the store church when it was open, no i didn't charge for gas because I felt God had bless me with a car and why not share with those who didn't have now I don't have.
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| 04/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX I noticed two negative credit marking on my XXXX Consumer Credit Report from Kia Motor Finance. I spoke with an agent after multiple transfers and hold times for almost an hour in reference to my dispute. I was advised by the dispute department to submit a credit reporting dispute due to the late markings being charged from an Insufficient fund fee which was taking out and applied to the fee and not as a payment transaction. Kia 's online system allows you to view the payment transactions, but not the breakdown of how payments are applied. I requested a pay history which shows when the monthly payments posted to the file. No payment was missed.
I was never called to advised any fees had not been paid and was unaware of any issues, even though I am the primary customer on the file and my XXXX XXXX XXXX is co-maker.
I reviewed my credit this morning XX/XX/XXXX which decreased my XXXX score more then 30 points now that there is a 60 days delinquency now showing from Kia Motors. No payments have ever been over 30 days delinquent and it is unfair that my efforts of being a good standing consumer is now in jeopardy due to this matter I called Kia Customer service at XXXX XX/XX/XXXX to ask to speak with the dispute department regarding credit reporting and I was refused to be transferred due to payment which was due on XX/XX/XXXX has not been posted to the account. Even though it is and arrangement on the file for payment of XXXX for XX/XX/XXXX. I asked to speak with a supervisor and was placed on hold for more then 25 minutes before a team lead XXXX ( employee # XXXX from XXXX XXXX location ) took the call. I again requested a contact number or department that could asset with my dispute/complaint and he as well stated their is no number to contact that department. He advised that I should mail my complaint to Kia Motor Finance at XXXX XXXX XXXX XXXX XXXX CA XXXX. I asked how would I be able to follow up once I submitted the letter. He advised to include my name and call back number but still gave no instructions for resolution.
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| 07/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
Older American, Servicemember |
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To : Hyundri Finance Finance Dept.
I wanrt to send this letter to apologize if there was something myself or my wife had done. In appying for a car through you finance company. We have had XXXX cars finance through your finance company since XXXX. Which the first car was XXXX and the second car was XXXX both XXXX. XXXX Hyundia which was call HUB Hyundia when we purchased our cars. A month ago we when in to XXXX because we receive a call from the company that we could come in and trade our XXXX Hyundia as they did in XXXX. When we went in we talk to them about a XXXX XXXX they offer us XXXX for the XXXX XXXX and the XXXX would be finance into the XXXX XXXX. The XXXX XXXX was offer to us at XXXX which instead of adding the XXXX they add the XXXX when they got through with the figures they told us the XXXX XXXX would XXXX with the payments being XXXX a month we wanted the payments down to XXXX a mo. We were told the vechicle was approve by Hyundri Finance this was in the later part of XXXX. When we couldn't agree on the payment terms please kept in mind this was later part of XXXX. They still when ahead and ran our app over 6 six times to different car loan companies through the next XXXX weeks which cause my credit scores to drop. My credit score even though they drop was the same that of XXXX and XXXX when Hyundri Finance, had finance both my cars in XXXX and XXXX and our income has increased by XXXX. We receive a decline letter from you XX/XX/XXXX which reached our mail box XX/XX/XXXX. My XXXX score and my wife XXXX score as of XX/XX/XXXX is higher then it was both times we purchase cars in XXXX and XXXX. I am sure your company does not care that we have been loyal customers we have never miss a payment on either car. Actual if you look at our track record evey monthly payment has been more the actual payment the company assigned. We will continue to payoff the XXXX and I am sure another company would like to have our business. We are sorry for seeking a trade in that the XXXX call us on and then said the Hyundri Finance had approve.
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| 08/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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We have been scammed by XXXX XXXX XXXX XXXX XXXX. They let us leave with a brand new vehicle and confirming our loan was approved through XXXX XXXX and that the only document pending was a water bill, which we later provided. At this time we also paid them {$2000.00} as down-payment.
A few days later they start harassing us saying that Hyundai needed more documents from us. Long story short and after many days of going back and forth with the sales manager, a finance member and the sales person, we provided them the following documents : Green card copy Passport copy Driver Licence copy Social security card copy ( front and back ) Water bill Marriage certificate Apartment Lease copy After having all these documents that could easily end in Identity theft we received more calls from the dealer saying that they still needed more proof of residence from my husband. At this point we felt we had been scammed.
They weren't straight forward from day one and NEVER explained to us that all these documents were going to be needed in the first place and instead, let us leave their dealer keeping our down payment and confirming that the loan was approved.
We received a CANCELLATION CONTRACT notice from them and we immediately returned the car. The sales manager as always promised us the down-payment refund would take some days and that he would try to be a full refund or at least {$0.00} per miles used.
The day came and for our surprise they deducted {$0.00} used deducting a total of {$680.00} for XXXX miles ; we tried to complain and told them that the return of the car was happening per THEIR request and because they weren't honest with us from day one but as always they just don't listen.
Consumer 's rights are not being fulfilled in that place. I left with the remaining amount of the down-payment feeling completely scammed.
Of course we do not agree with what they did to us and we demand a full refund of our down-payment.
The day we returned the car they kept all the original documents, including the Contract Cancellation notice.
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I am writing to dispute the reporting by HMF to XXXX of my liability for a late payment from XX/XX/2019. I will simultaneously be reporting this to the HMF and XXXX for further review. Grievance.
1. I allege my ex-wife fraudulently processed a chargeback on prior payments made on my lease to HMF. Upon learning this, HMF indicated that their systems had me requesting the chargeback, to which I replied with the allegation. I further asked that they respond to the chargeback dispute inquiry with XXXX to affirm the payment was legitimate. They refused. I was unsuccessful in convincing my ex-wife to make the payments and so they were two months behind with no warning.
2. When I began receiving calls from collections, I also offered to furnish evidence of the fraudulent chargeback. On XX/XX/XXXX, HMF collections called me with indicating that if I didn't make a payment that day, there would be negative reporting on my credit because we were " at the 40-day mark. I went ahead and MADE A PAYMENT THAT SAME DAY, XX/XX/XXXX. Because I was told this payment would avoid negative reporting, I am here alleging erroneous late payment reporting by HMF inconsistent with their own internal procedures and external communications to me.
If they are exempt from disputing the chargeback, they most certainly should be held accountable for the communication regarding credit. There is more context to the situation that HMF is aware of and avoided answering the substantive issues above in complaint XXXX. Simply reviewing the payment record without listening to the recording of the collections conversation misses this vital communication, even if claimed as agent error ex post facto. It costs you nothing, HMF, to correct this error in your reporting. It most definitely costs you a customer if you refuse to correct the error. It shouldn't be my credit, in the meantime, that is the only thing impacted. There is an easy and just fix to this well within your power to redress.
The software below is not processing attachments. HMF has relevant payment history.
|
| 02/28/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Purchased a XXXX truck from Kia Motors in XXXX, Oklahoma and shortly after that purchase the truck was totaled in an accident. Insurance paid the truck off and Gap Insurance made up all differences. While insurance was being processed and evaluated the truck payments were still being made. All insurance and Gap money was sent to Kia finance to settle loan and pay off truck in total including payment overage. There was an overage of funds as payments continued and were made after the accident of {$2000.00} that should have been refunded to the owner after settlement. Kia Finance in XXXX TX received those funds and posted them on XX/XX/XXXX from XXXX and XX/XX/XXXX from GAP insurance. Multiple calls were made to recover funds and no refund check was issued or cut until XX/XX/XXXX with a promise of 3-5 days in mailing. No refund check for the overage has ever been received as of XX/XX/XXXX. Kia customer service Escalation team suggested that we allow them to cancel the check and reissue and that process would take another 15 days plus 3-5 days in mailing. They added there was no way to expedite that process. They were also asked if they were paying interest on the money they have been withholding since XX/XX/XXXX. They answered no, they do not do that. I am pretty sure if the situation was reversed they would expect interest. To date we have spoken to 38 people in Kia customer service in 17 weeks, no check received, had 4 promise of call back and have received none. It has been 3 weeks since they say they mailed the check and none received and the process has been 18 weeks so far with no satisfaction. Now they want another 15 days to reprocess the check and 3-5 days to get it here in the mail. My confidence lever is zero in their ability to mail a check. These are horrible business practices and extremely horrible service. They got their money back in XX/XX/XXXX along with mine and I want mine back with interest. If they were an honest company they could step outside " normal '' policy and expedite the check with interest and apology..
|
| 07/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I opened a Auto Loan with Kia Motor Finance on XX/XX/XXXX. Since I opened this loan I have had issues with KMF applying my payments to my account.Every month I have to call customer service after my payment task them to do so. After I call it takes around two weeks for it to be applied and its usually time for the next months payment to be made.
After dealing with this since XXXX, I have also had to complain about them applying my payment towards late fees that I should not of had due to my payment was made on time and KMF reporting incorrect information on my credit report.
The major complaint is that my payments after applied is being distributed incorrectly. Please Note that my Due date is the XXXX of the month @ {$570.00} Examples : Date:XXXX. Payment:XXXX. Principle : XXXX Interest:XXXX XX/XX/XXXX. XXXX. XXXX XXXX XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I made an attempt to put my payments ahead by 2 months so I would never be behind.Since the computer and the company could not keep up with payments, I am not ahead at all. Instead they calculated my payments incorrectly. Also during the time that I was making extra payments they had another system glitch that completely wiped out ever single payment that I had made since XX/XX/XXXX. After the payments were put backing the system over 30 days later, nothing was the same. My account was even showing past due when I made extra payments to be ahead on my payments by two months.
KMF has made it very difficult to remain accuracy with my payments.I really wanted to make extra payments so that I could have paid my vehicle off early. KMF customer service does not help solve any of these problems. KMF gives an excuse every single month that I am not the only customer dealing with this issue but this has been going on for years.
I am absolutely convinced that due to KMF applying my payments incorrectly, I should owe less on my vehicle than what is being showed.
|
| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
|
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I financed a car through Kia Finance for a XXXX XXXX XXXX. The loan was paid off on XX/XX/XXXX. However, Kia Finance never released the lien on my title. I realized this in XXXX of XXXX when I went to sell my car ( we are having another baby and need more space ). I called Kia on XX/XX/XXXX to understand what had happened, and they told me they had never issued the lien release, and they submitted a request to their title department, and told me it should be released within 3 business days.
I called back the next week ( after 3 business days ), and was then told that it would take 10 business days as their title department was backed up. After 10 business days, I was told the lien release was still not processed. A second request was submitted on XX/XX/XXXX. I called again on XX/XX/XXXX, and neither request had been processed. I was told that an email was sent to escalate, and to call back in 5 business days.
Today is XX/XX/XXXX - it's been 5 weeks since I initially raised this issue to Kia Finance, and it's been 11 months since my car loan was paid off. When I called customer service, they told me the release is not processed, and we'll just have to " wait and see '' when the title department is able to process it. No ETAs or further escalation was provided, despite speaking with a supervisor.
At this point, I have no idea when or if the lien will be released by Kia Finance. They have an illegal lien on my car, and despite the problem being reported to them 5 weeks ago, and multiple follow-ups, and I am being given no ETA on resolution, nor further options by Kia Finance to resolve this issue.
I would like help in resolving this matter. Furthermore, customer support has told me my situation is not unique. Not only do I want this matter resolved personally, but I would like Kia Finance to be accountable to fix this problem across the board. A car is often someone's largest asset - and to be holding it hostage because of a process breakdown and lack of appropriate escalation routes is completely unacceptable - and illegal.
|
| 04/06/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
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Web |
|
|
I have a gap waiver addendum to my lease contract from Kia stating that in the event of a total loss ( which occurred on XX/XX/18 ), once full proceeds from the insurance company, based on a fair and reasonable determination of the vehicles actual cash value ( ACV ) less any subtractions from that ACV by the insurer ( my deductible ) have been received, I will have no further financial liability. My insurer confirmed that Kia/Hyundai would work with the actual cash value ( ACV ) as provided by my insurer. The insurer issued Kia a check for the ACV less my {$500.00} deductible. This check was cashed, thereby ratifying the contractual agreement. Kia insists that I owe them XXXX. They refuse to provide either myself or my insurer any documentation of why they feel entitled to bill me for an amount over and above the ACV of the vehicle. My contract does not list any exclusions to the gap insurance other than past due lease payments. I had none. My insurer and dealership staff have all said that they have never heard of anything like this before ; that gap insurance covers everything. Additionally, I financed a replacement lease, through Kia Finance, with my dealership stating that the totaled vehicle had been paid in full. I only found out that Kia was billing me for the totaled vehicle when I erroneously tagged the lease payment for my new vehicle to the old account. I had to request a billing statement to find out what I was being charged for. I have tried multiple times to resolve this with Kia/Hyundai Finance, with the assistance of my insurer and my dealership. Kia Finance has been unwilling or unable to provide any documentation of language in my contract which allows them to bill for amounts over and above the ACV. They have been uncooperative, rude and unprofessional throughout this entire time. At this point, my credit is being negatively affected. I believe I am being harassed and upon the advice of my insurer and lawyer, I have already submitted a claim to the XXXX and will submit claims to both state and federal CFPBs.
|
| 11/09/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I requested and received a payoff quote on my Hyundai XXXX lease in XXXX. The payoff was good through XXXX. I decided to buy out the lease, contact XXXX for the loan. XXXX and I followed the payoff letter instructions and the lease buyout amount of XXXX, XXXX was sent to and CASHED by Hyundai Motor Finance.
Hyundai then sent the funds back to XXXX even though they cashed the check on XXXX XXXX, saying we could not buyout the lease in the manner that we did that I had to " go into the dealer. '' XXXX states that because they cashed the check, the loan funded and closed. So now we have to wait another 10 days before the money is refunded to XXXX. Once that happens, I have to pay additional money to XXXX to payoff the loan, then take out a second loan incurring additional loan fees payable to the state.
On top of that, Hyundai is increasing the payoff quote, I have to make another payment to then instead of lowering my monthly as planned.
Hyundai provided a payoff letter with instructions. We followed those instructions. They cashed the check from XXXX, creating a second lien on my vehicle which also cost me money. When I received an email that they were processing a payment, I called to have the payment stopped because they already received the payoff. It was only then that I was informed that they were refunding the payoff funds.
I did in fact go to a dealer on the 4th to attempt to work this out. The dealer gave me a payoff quote of {$600.00} LESS than the original. Then when we called in, the payoff was {$40.00} MORE than the original. I feel like Hyundai did not properly provide payoff instructions, is not giving me a fair payoff quote now, is holding funds for up to two weeks, and as such is earning interest they should n't - while trying to collect as much on the payoff as they can.
At this point, the funds are still with Hyundai, they are charging me more interest, XXXX can not do anything until Hyundai returns their funds ... And then I have to start all over.. at their dealer and pay a second loan fee to the state.
|
| 12/08/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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|
I was a costumer with Hyundai Motor Finances for three years as I had leased a car with them. XX/XX/2016 I decided to returned my lease car which was due back on XX/XX/2016. I traded in my car for another used car in which I financed. During this appointment I was informed that I not longer needed to pay the remaining 3 months left on my lease at it would be taken care of by the XXXX XXXX Hyundai dealership and they would take the remaining balance and incorporate it into my new monthly payments. A month later we started receiving letters stating we had been late on our payments. I immediately contacted XXXX XXXX Hyundai to see why I was getting late charges when I no longer owed anything on the car. They informed me that it had been a mistake and that the issue would be resolved. I waited about 2 weeks to then find out the problem had not been fixed yet and the late charges were piling up. I was in contact with both Hyundai Motor Finances as well as XXXX XXXX Hyundai to solve this issue. I informed them several times that I had never made a late payment in the 3 years that I had been their costumer and that this issue needs to be resolved before it affects my credit score. It took a little over a month for them to finally pay off my account balance and to finally remove me from the lease. However, at this point my credit score had drastically dropped. XXXX XXXX Hyundai said that it 's out of their hand at this point.I contacted Hyundai Motor Finances several times to get them to take this off my credit report. They insisted on a letter explaining the issue and so we sent that in. After that, we received another letter stating we had no provided enough information.Therefore we wrote another letter explaining in more detail the issue. It had been almost 3 months and this issue has not yet been solved. My credit score has dropped severely because of an mistake that was made on their end. I have documents proving that I have returned the car, I no longer needed to make any payments, and the car was no longer under my name.
|
| 07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I leased a car through Hyundai Motor Finance ( HMF ) on XX/XX/XXXX. The last payment on the lease was on XX/XX/XXXX without a single missed or late payment throughout those three years. When first leasing the vehicle I paid an additional amount for a warranty for any wear and tear that might occur during the time of my lease, anything under {$7500.00} would be covered. Upon return of the vehicle HMF used a third party contractor called XXXX to come do an inspection. Their inspection resulted in {$550.00} worth of wear and tear therefore I knew would be covered under my warranty. I made all payments under my responsibility including the {$400.00} disposition fee with the understanding that HMF would be receiving their money for the wear and tear through American Risk Services ( ARS ), which HMF partners with as the third party responsible for those wear and tear payments. I was advised HMF would initiate that claim and work with XXXX to get that matter resolved, all I would have to do is fax over information to them which I promptly did. Due to my persistence and desire to follow-up I later learned neither XXXX or HMF had initiated a claim. I called both companies regularly and each of them placed the blame on the other. I had to resolve the matter by using three way calling so there would no longer be any discrepancies or miscommunication. After this a claim was initiated. HMF received their payment late and although it was not my responsibility to pay them they faulted me for the late payment and sent a late payment report to all three of my credit bureaus. My credit bureaus have the late payment for XX/XX/XXXX although I had returned my lease and made all payments I was responsible for on time. I attempted to dispute this matter with my credit bureaus but they referred me back to HMF. I've attempted to resolve this matter with HMF but have been unsuccessful as they refuse to take any responsibility. This is the only negative/delinquent payment I have in my credit report and need assistance in getting this adjusted.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX Dear Sirs and Madams : Hope you're well. I had a XXXX lease for a XXXX XXXX XXXX that matured in XX/XX/XXXX, at which point, I returned the car. I ended the lease with a flawless payment record. At some point, over a year later, I noticed that the XXXX account had been reporting as late and a charge off on my credit profile with the three major bureaus - XXXX, XXXX and XXXX - for 14 consecutive months ( XX/XX/XXXX XXXX XX/XX/XXXX ) (!!!! ). I immediately inquired about the derogatory remarks by contacting Hyundai ; Hyundai stated that there was an unpaid balance, perhaps for damages. Hyundai also mentioned that they would fax me an invoice. Unfortunately, I had never received any invoice at all from Hyundai after I returned the car in XX/XX/XXXX and I didn't receive the promised fax after I called Hyundai about my credit profile. Finally, I managed to obtain ( through my own efforts ) an invoice for post-lease charges and I paid the balance immediately.
The fact that I did not receive an invoice from Hyundai for the post-lease expenses until I called them over a year after I returned the car, is now causing 14 lates and a charge off status on my credit profile through no fault of my own. Due to the fact that a post-lease invoice never reached me, makes the negative remarks and charge-off status on my credit profile misleading and untruthful, despite the protection offered by the Fair Credit Reporting Act. There must be policies against such unfair business practices. My Hyundai account should rightfully reflect the flawless payment history that I maintained for the life of the Hyundai lease, without punishing me for the fact that Hyundai failed to inform me of post-lease charges for over a year, and which I paid immediately upon obtaining through an invoice through my own efforts. I have contacted Hyundai credit dispute department by mail and received an unacceptable, canned letter in response not even recognizing what had actually happened.
Please let me know what can be done to restore my credit worthiness.
|
| 12/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
Re : XXXX XXXX lease with : KIA MOTOR FINANCE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX * Started on XX/XX/XXXX * Turned in XX/XX/XXXX at XXXX XXXX in XXXX NY, XXXX XXXX XXXX XXXX * 3rd party vendor assessment : {$0.00} charges due to great condition of vehicle I'm writing to protest, contest and dispute a poor marking on my credit report due to a KIA reported " 30 day late '' / non-on time payment on my XXXX XXXX auto loan. I recently disputed this with XXXX, but today I found I was unsuccessful and I'm VERY upset and disappointed. I am very careful with making on time payments as you'll find from the history of my leases and loans and I take a LOT of pride in my credit score as you'll see from my cumulative payment history. Today my credit score plunged from XXXX to XXXX according to XXXX, one of my creditors.
The dealership communicated to me to wait until final bill was processed and that it may take a few months for Kia to process. I checked online account periodically for additional mileage charges to be reflected in the form of a bill.
In XX/XX/XXXX I contacted KIA Motors to discuss account and they communicated that a portion of the mileage and other charges were dropped and so the bill was less. They agreed to a {$100.00} discount from what they were asking at the time. In total my payment was {$860.00}, comprised of ( 2 ) {$430.00} payments. They communicated to me during the call that I was at 31 or 32 days at the time.
A ) I had ZERO knowledge of any concrete deadline with this residual post-lease balance and I expressed this to the representative at KIA ; and B ) I had ZERO knowledge that any post-lease balance was credit bureau reporting eligible. I also expressed this to the representative at KIA Motors Finance.
I made 48 on time payments during my lease only to find that they retroactively posted a late payment to XX/XX/XXXX on my credit report, and went off the original instruction from dealership to wait until balance was finalized and that it may take a couple of months.
|
| 09/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Currently leasing a XXXX XXXX XXXX XXXX from Hyundai paying $ XXXX. Requested registration transfer from NY to WA Issue : It has not been done as of XX/XX/2021 XXXX XXXXrequested Title transfer and Power of Attorney from Hyundai website . Website states it takes 6-8wks. Also faxed request from WA state DMV office. Spoke to some agents over the phone during that time who had told me to fax and complete the online document. Checked in over the phone by calling Hyundai motor finance ( HMF ) starting XX/XX/XXXX. The agent i spoke to said it would be done by the XXXX. Called on the XXXX and the agent said that it is an absurd long wait and escalated my case to the Titles department. She said she sent an email. Gave me an escalation # XXXX. Told me it would be done by the end of the week. Called the next Tuesday on the XXXX. Spoke to a regular agent and a special agent who sent another email to the titles department. Said i should receive an email with the XXXX tracking number for the documents in 5 business days. Called on the XXXX. Spoke to a regular agent and then a special agent who said they would send an email to the titles department and it should be done in 10 business days. Called Hyundai consumer affairs on the XXXX to complain about HMF but i was told by the agent that they would call me back after speaking to HMF. Have yet to hear back. Spoke to at least 3 agents at HMF in the XXXX. I was told there's nothing they can do-even when i requested a manager. They also said they can't provide me with a log of the case ( they never send emails for confirmation or updates after any call ). Called HMF on the XXXX who gave me these emails : XXXX and XXXX. She told me to send my account #, vin, contact information, state i am requesting a title and POA and where to mail it to. Sent the email at XXXX on the XXXX. Have yet to receive word about whether they received the email of if they are working on it. I am unable to drive the car and i am currently paying parking for the car as well as the monthly lease
|
| 10/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Bought a Kia XXXX and per the Dealership - used their GAP claim company EFG companies. After an accident in XXXX - EFG Companies never paid the GAP claim. They kept claiming KIA never sent them the proper documents ( Legible contract/Settlement Check/Payment history ). This has been on our credit since. We thought it got taken care of in XXXX when we sent the information we had to EFG ( again ) and KIA stated they would send the documentation. Per EFG they never sent the correct info. KIA ( the party responsible for 1 ) recommending this company and 2 ) NOT sending the required documents ) put this against OUR credit, even thought it was their negligence on not getting the documents to EFG that they told us they would.
Upon discovering this is STILL on our credit, WE spent the time trying to gather all of these documents that KIA failed to deliver on. Finally, EFG has sent a check to KIA for the GAP claim. We want this removed from our credit as we were NEVER late with our payments. This failure was on KIA 's side when they claimed they sent the documents in. KIA should not have recommended a company they have such difficulty with. They should not have told us the documents had been sent in. They should NOT have filed anything against OUR credit when it was NOT our responsibility to pay as we bought the Gap Coverage THROUGH them and it was documents THEY HAD that would get the claim paid.
KIA was not helpful at all in getting this resolved. We had to contact our old insurance company to get a copy of the Settlement check that KIA cashed. We had to figure out our login to KIA to get our payment history. I had to scan 20+ pages of a contract ( luckily still had it 5+ years later from when we bought the car ) to get something resolved that KIA could have resolved instantly. Yet through the entire process of getting this fixed ( long strings of emails I can also forward ) they were silent and absolutely useless. They did nothing except harm our credit over something that they had complete control over.
|
| 07/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I called and requested a payment extension on both of my loans with XXXX. The first one on my primary vehicle was processed no problem. I was even able to sign the payment extension through a secure website and within 2 minutes. The next vehicle not so easy - I was told that since I went through a contact center in XXXX, TX that they did not have the capabilities of doing e-sign. I requested that option because of the ease of use and that my situation was quickly resolved in that manner. I then was told that they could fax the document to me ( which I dont have a fax ) or that they can mail it to me. I chose the option for them to send it to me via US Mail. Upon my receipt of the document ( mind you the same one that they could not email me ) I signed it and followed the instructions at the bottom of the agreement to fax or mail ( which I mailed ) a copy to them and to keep a copy for my records ( which I have a copy of the document ) the document that I signed and returned via US Mail. Come to find out my account is now almost 60 days behind because they stated that they never received the document at the address in which they provided as a good contact address for this transaction. I called and spoke to a XXXX who said that I should have called to confirm that the document was received. The document does not state anywhere on it that I should follow up to make sure it was received as that was not a condition that was stated in writing that I should follow to make sure that it was received. The representative then transferred me over to a supervisor who stated pretty much the same thing and seemed to insult my intelligence all in the same interaction. I think that if mailing was an option that was stated as a viable option to assist in this matter and I did everything that was requested of me to sign, return and keep a copy that my original agreement should be honored and that I as the customer should not be penalized for a lack of receipt on their end -especially when e-sign was offered before.
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : KIA MTR FIN XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
|
| 05/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
The car dealership XXXX XXXX XXXX XXXX submitted fraud on my credit application to get me approved with Hyundai Motor Finance. The 2 page credit application they submitted to Hyundai Motor Finance was re done. The credit application that I signed showed XXXX month SSI. They reported a income of XXXX which was fraud. I dont get but XXXX a month. How did they show proof of this XXXX to Hyundai? We have contacted a attorney and will be filing a lawsuit against all parties involved that caused me hardship in the result of having a XXXX. I'm a XXXX injury individual that is a result of a XXXX injury in 1998 .I have been on SSI for almost 3 decades and all I get is XXXX but I have a over payment which my check is XXXX. I didn't go to the dealership looking for a car. I was there with my sister. She was looking for a car. She got denied with XXXX mo. Income. The salesman asked me if I need a car. I said I do but my credit is only a XXXX and I dont get but XXXX a month SSI he said you never know. He took a application on me. Sent me home to get a bank statement and proof of income and a bill. When I returned he said I was approved for a brand new car. My first words were how? He said relax you are approved. This contract is voidable and fraudulent. The dealership put me in predatory loan. Knowing I wouldn't be able to afford the vehicle causing me financial hardship. I went out and got a job to keep the car payments current and on my 3rd day of work I had a XXXX. Stressing about losing the car. I want Hyundai Motor Finance to thoroughly investigate and remove this fraudulent account from all 3 credit bureaus. What XXXX XXXX did to me was unlawful, unethical. I do plan on suing all parties involved. And final where is the proof of the XXXX that the dealership fraudulent reported. Someone at Hyundai Motor Finance in Funding could of possibly assisted the dealership with this fraudulent loan. Because you do have to show pay stubs, letter of award from SSA and bank statements. Please see attached documents
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
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I leased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, Illinois on XX/XX/XXXX. When I leased this I did so in order to get the {$7500.00} tax credit rebate from XXXX that was not available if I purchased it. This was super transparent with the dealer upon purchasing. The terms of the lease were to be favorable if I bought out the lease after completing the deal. In fact, there was discussion with the sales manager XXXX regarding money factor on the lease and how it was important, I explained I did not intend to take the lease to term so the money factor was not important and she agreed. When talking through the contract with the finance manager at the dealer, I specifically asked with my XXXX as a witness that if I was to buy the car from the finance company immediately after purchasing what the cost of the car would be - the capitalized cost plus the early termination penalty or the cost of every lease payment plus the depreciated cost at the end of the lease. The finance manager looked at me square in the eye and said that the cost would be the capitalized cost not the cost of every lease payment. The issue of course is that if I had to pay the cost of every lease payment upon early termination then I was paying for the lease financing I was not taking advantage of. When I went to buyout the cost of the car, it was explained that it was the depreciated cost at the end of the three years plus the cost of every lease payment, exactly the opposite of what I had negotiated with the dealer. They lied to me as I was signing the paperwork. I attempted to contact the dealer and XXXX with no resolution. The dealer refused to acknowledge what they had told me during the process and they could not help. Other dealers are refusing to buy it back for a fair price that they can get via the XXXX XXXX XXXX. What I am looking for is for XXXX to take back the car. I am done with them and their deceptive dealers. XXXX XXXX should be ashamed of itself, and so should XXXX for having dealers like that.
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| 11/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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I purchased a new car that was financed through Kia Finance. I intended to pay cash, but the Kia dealer convinced me that I could get a lower price on the car by financing it, because the dealership gets a benefit. So, I financed the car through Kia Finance. Then, I proceeded to pay off the car by submitting the full payoff amount, which was stated by Kia Finance as {$43000.00}. The payment could not be submitted in full, because the upper limit was {$25000.00}. Consequently I submitted the payoff in XXXX payments ; XXXX for XXXX and another for XXXX. The payments were submitted on XXXX XXXX, and recorded on my bank account on the XXXX for XXXX, and the XXXX for XXXX.
I am a retiree, and this money is from our savings. Every dollar is important. Despite the fact I paid the loan in full by the time the payoff amount was valid, Kia still shows a balance of {$1000.00}. I have spoken to them about this 3 times. The first time, the clerk acknowledged that I had paid in full by the time required, and promised to get it taken care of. I have the conversation recorded. After 2 or 3 weeks, the balance is still there. I called about it today, and the clerk argued about this with me and eventually hung up on me. I called again, and asked for a supervisor. The supervisor named XXXX, again acknowledged the account was paid in full by the payoff amount date, and said he will submit a request to clear the account. In fact, XXXX informed me I had paid an excess of {$9.00}.
It is unthinkable that a credit institution of this caliber would continue to make gross errors of this kind and not endeavor to correct them. At this point I have no faith that they will correct this and will continue to demand an excess of over {$1000.00} to get my title cleared and the account cleared.
Please assist us with this travesty of credit handling. I feel I am fighting a giant hiding behind a bunch of questionably qualified clerks with little power to do anything for the customer.
Thank you for your attention to this issue.
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| 04/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I bought a XXXX XXXX XXXX through Kia Motors Finance. On XX/XX/XXXX my car was hit by a drunk driver. My insurance company XXXX issued XXXX XXXX a check to payoff the loan. The total amount of the payoff loan was {$15000.00}. And I have a copy of that Check. On XX/XX/XXXX XXXX helped themselves to an additional car payment in the amount of {$350.00} out of my checking account. Which is 100 % theft. First they claim they didn't have the check ... Then they claimed it was sent to the wrong address, which is NOT TRUE. I verified that with an Agent at XXXX who has been in total loss for decades and she told me that's a flat out lie and that the address they used is the same one they have used for years. This Agents name is XXXX XXXX.
P : XXXX F : XXXX XXXX : XXXX I have called XXXX XXXX five times in the last 24 hours trying to get resolution and all they do is lie, deflect and blame Esurance. The Customer Service Supervisor that I spoke with at Kia Motors Finance is called XXXX. When I ask him a simply question about " their time schedule '' and their " process '' for processing the check they already have from XXXX, and refunding my {$350.00} they refuse to give me answers .... This has caused an enormous financial hearthache on me, as I already took a big loss with my car getting totaled.
To sum up, XXXX XXXX has admitted they have they payoff check from XXXX, they are basically refusing to process that check and stole an additional {$350.00} from my autopay and refuse to refund my money ... I believe this is unethical, deceitful and illegal.
Strangely enough XXXX told me yesterday that here seemed to be another account I have with them ... which is very strange ... But there were also issues early on with an incorrect VIN number. I had ONE LOAN and one car ONLY. Some how I found the second account that I would like an explanation for ... XXXX ... What is this account? and why do they have me owing {$19000.00} ... KMF is a very shady company and I want explanations.
XXXX XXXX.
XXXX
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| 07/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I financed a vehicle in XX/XX/XXXX for a term of 72 payments. I have been paying an additional {$60.00} each month in an effort to reduce the length of my loan from XXXX to 60 months and, most importantly, reduce the amount of interest incurring during the loan life. XXXX of XXXX, Hyundai retroactively changed all of my principal payments to be reflected as " pre-payment '' instead of payment on principal, thereby allowing them to charge the maximum amount of interest, rather than pay interest on only the principal. This is how compound interest works. Hence, my attempt to reduce the principal balance as quickly as possible. I have been calling once a week since XXXX to have these adjustments the applied to my account without my authorization corrected. Ive spoken to customer service reps, supervisors, their supervisors, and their supervisors. Everyone says they will have it corrected in 3 days, only to further complicate the situation. I've requested call backs from supervisors with no return phone calls, I've been hung up on, and have been placed on hold for hours at a time. My payment history online makes zero sense and reflects no payments due months, wrong payment amounts, {$60.00}, {$120.00}, XXXX, XXXX, XXXX ... I can not tell my current balance, and I have zero confidence that my interest has been calculated correctly XXXX certainly resulting in a profit on their end and overpayment on mine ). I feel I have been overcharged, payments have not been reflected correctly since XXXX of XXXX ( or at all ), and I feel very taken advantage of. I've attempted many times to have these issues corrected, I have requested that my payments be reflected correctly online and, in my statements, to verify accuracy. In fact, my account currently reflects that I owe a balance in XXXX of {$100.00}. This indicates that a {$300.00} prepayment continues to be reflect in my XXXX statement. As I have requested months, there are NO prepayments, ONLY principal payments to effectively reduce the principle.
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| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This all started when my lease with Kia Motors on a Kia XXXX was about to be up back around XXXX of 2019. I returned the car and thought everything should be good to go. I had automatic payments on the entire time, and have never missed a payment with any account I have, outside of just KIA. When I called and asked them why my payments had not posted they assured me that they were undergoing a system upgrade and it might take a month, but I wouldn't be held liable for any late fees or extra costs. I thought we were good at that point. I called at least six more times to Kia over the course of two months seeming that the payments weren't posted and I saw late fees on my account, with a new balance that I owed, a number that was completely different than all my other payments. No one could give me any answers and they changed their tune at this point basically accusing me of not making the payments. I had my bank verify the payments and everything. Eventually I started getting mail from collections agencies and after months of nothing from Kia, they claimed I still had a balance on my account which is inaccurate, and at this point predatory. They have been harnessing me ever since. I recently tried to refinance my car loan and the derogatory remarks showed up that I never paid the bill and it was in collections. This was the most unprofessional, predatory, and downright shameful way to act from Kia. I would like the bill in collections removed from my credit immediately. We spoke over the period of four months and they were not able to verify any of my payments, how much I owed, or anything, due to their own system upgrade. I would also request the most recent hard pull on my credit for the car loan be removed as well seeming that it would have gone through if it weren't for Kia 's derogatory remarks. Once again, I have my every single payment in full and on time for every single one of my other accounts. This is completely out of character for me and is something I would never do!
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| 09/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I am writing to express my deep dissatisfaction with the current state of affairs regarding the release of my title following the payment of the buyout amount to Kia Finance, as well as the discrepancies in the information provided by your customer service representatives.
On XX/XX/2023, I made a full payment of the buyout amount, as agreed upon, with the expectation that this payment would expedite the process of releasing my title. Your customer service team assured me, during a recorded phone call, that making an online payment was the fastest and most efficient way to facilitate the title release.
To my dismay, despite the funds being withdrawn from my bank account, my Kia account still reflects a past-due status, and I have not received the bill of sale necessary to initiate the title release process. When I contacted your customer service team, they informed me that it would take a staggering 14 days to clear this matter, which starkly contrasts with the information I received during the phone call on XX/XX/XXXX. During that conversation, I was informed that, with the prompt receipt of the required documents, I could expect to have my title in hand within one week. In fact, I even went the extra mile by providing my XXXX account number to facilitate overnight shipping for the documents.
I must emphasize that this matter is of utmost urgency to me, and I am deeply disappointed by the apparent lack of concern or urgency displayed by kia following the completion of my payment. The inconsistency in the information provided and the apparent disregard for my urgency is unacceptable.
I kindly request that you investigate and expedite the processing of my title release without any further delay. I believe it is only fair that your company honors the commitment made by your customer service team during our initial phone call on XX/XX/XXXX.
I look forward to a prompt resolution of this matter and the release of my title in accordance with the originally promised timeframe.
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| 01/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In 2020 around XXXX I got notified that I am overdue payments on my SUV which was leased even though I have set up automatic payment. I tried to reach out to the KIA motor financials ( KMFS ) and they told that it was the tax amount owed by me. I had asked them to send me the invoice for it, but they said they dont have any and they get billed by the Government and I have to pay the same.
The customer service agent on the line told me that there was a management change in KMFS and they are collecting this amount earlier. Usually they wait till end of the term, but I am liable for it. He also mentions that there are several other people who dont know about this tax and they get hit by this bill and they call them. He directed me to talk to the Municipality. I told the agent that I will talk to them and get back. I talked to them and found that the amount mentioned was wrong.
Before I can do this they reported me to the credit agency that I was overdue on the payment. I called them and let them know the history and asked them to remove the default note on my credit report. KMFS customer service said they weren't responsible and they did not even transfer the call to anyone who can take care of the situation.
Also, I paid the amount after that and no follow up came through on the issue even though I requested it. I reported the same to my credit reporter ( XXXX ). They tried twice and they came back saying that KMFS did not agree to remove the listing. Hence writing to see how to resolve this. In summary 1. This amount has got tagged on to my invoice even though I told them to include all the known cost while leasing the vehicle and set up the amount as a monthly recurring payment.
2. KMFS were unable to provide any evidence that I am liable for a certain amount and I had to overpay them to resolve the situation.
3. Now even with the fault on their side and trying to adjust to the new management, they have put me in as a defaulter which has affected my credit score badly.
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| 10/11/2017 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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For a little over 6 months now, I have been receiving calls from XXXX financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at XXXX XXXX, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her XXXX both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of XXXX financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company
|
| 07/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
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This complaint is about my frustrating experience with Hyundai Motor Finance.
I love my XXXX XXXX XXXX XXXX XXXX. I was leasing it for 3 years, had no problems with it, as well as low mileage, and decided to buy it when the lease matured XX/XX/XXXX.
The issue is not with the car, it is with the company.
At the end of my Lease, I informed them I will purchase the car.
I contacted the Lease End Department on XX/XX/XXXX, got the buyout information.
On XX/XX/XXXX XXXX I made online payments for the total amount required and emailed the odometer reading statement along with the confirmations of payments Then the ordeal started. In short, I have been calling several times a week to get an update, the Buyout Department had to apply the payment, close the account and after that send me the Title ( which takes 10 days as I was told!!! ) Every time I had to be transferred from one department to another. You can get only the first name of a person you talk to, They are not allowed to give the last name!!!! and email is for internal purposes only.
Every time they assured me of sending emails to the Buyout Department to expedite the process.
I am still waiting for the Title. Moreover, when I log into my account it still shows unapplied credit. The buyout department has not corrected the error! This company needs to hire competent people and train them properly.
I sent emails, posted the companys page on XXXX with no result.
Despite multiple attempts, I couldnt get the problem resolved.
Therefore, I had little recourse except to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). There is absolutely ZERO accountability at the at Hyundai Motor Finance ( HMF ) Lease Buyout and Titling departments. Customer Service in the Leasing Finance unit is a disaster.
I am retired and on XXXX, I had to take money from my retirement account to make the payoff Now I am receiving letters from the company threatening with legal action if I dont return the car immediately.
|
| 09/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I got a buy out quote around XXXX & paid off my lease XX/XX/22. Kia requested an odometer form which I submitted. A week after they requested a tax form that they would mail. I signed it & submitted it XX/XX/22. I called & they said everything was received around XX/XX/22 & in their system. I called again in XXXX & they said they didn't have the odometer statement, I said I submitted it online, & then they found it. I called early XXXX and they told me their title department is short staffed & I'm one of many waiting for my title. They offered to escalate the situation. I called again in XXXX & they told me the system showed everything was received & it waiting to be reviewed/processed. I was told the same again the next time I called. After this every time I called I asked to speak with a supervisor. They would say they can't find my tax form but in the system it says it was received, being reviewed & their title department is short staffed. Online it states once you send in your buyout quote, complete odometer & tax form it takes 20 business days. By XXXX I was frustrated and seeking answers, no one could give them. I asked about compensation for the delay as my husband died in XXXX, I'm a single mom of XXXX kids and need to sell the car they are holding the title hostage. By XXXX I am only speaking to supervisors which take my number & say they call with an update in a week & never do. Finally XXXX one supervisor asked if I had a copy of the tax form I had submitted & I did. She asked that I email it to them. On XX/XX/22 someone calls saying i put the wrong VIN # on the tax document. I told them I did not fill out the tax document, Kia finance completed & mailed to me, & said a supervisor would call me. No one did so I called & when they issued a corrected form it had the wrong VIN again so they submitted to a department to fix. I have received no call back, no compensation, & no title. All delays and errors have been made by Kia & I've lost thousands of dollars.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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XXXX Dear Consumer Financial Protection Bureau : I had a XXXX lease that matured in XX/XX/XXXX. When I returned the vehicle, It was clear that the lease was terminated and paid in full. I then received a letter in XX/XX/XXXX with a settlement offer, which I did not know the meaning of, yet I paid the amount asked for. My understanding was that this settlement was a settling of affairs and had not a clue that this was actually a settlement of a disposition fee. According to XXXX, there were earlier letters sent out to me ; however, I did not receive any letter before XX/XX/XXXX at which time I promptly paid the amount asked for, as stated above. Unfortunately, the settled amount is resulting in two lates on my otherwise exceptional credit profile with the three main bureaus - XXXX, XXXX and XXXX. I have written three letters to XXXX explaining the above and requesting the deletion of the XXXX and XX/XX/XXXX late remarks and charge-off status remarks that are presenting on my credit profile, so that the account reflects my flawless payment history with XXXX. XXXX has yet to answer my request, even though my first letter was overnighted to them on XX/XX/XXXX. As it stands, the credit profile deceivingly appears as if car lease payments were actually late, which they never were, and XXXX XXXX reporting does not adhere to the Fair Credit Reporting Act that demands accurate reporting. When I returned the vehicle, I inquired if we were all done and I was told that we were all finished without any indication of a future invoice from XXXX. In the lease, it does say that a disposition fee will be collected upon return of the vehicle ; since I wasn't asked for the fee when I returned the vehicle, I understood that the fee had been absorbed during the life of the lease or offset by my security deposit, which the lease delineates. I am requesting that the XXXX and XX/XX/XXXX lates be deleted from my credit profile so as to accurately reflect my perfect payment history with XXXX.
|
| 04/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I leased a new XXXX Kia XXXX on XX/XX/XXXX and have made all payments on time. On XX/XX/XXXX I was hit while driving on the freeway in a 3 car accident that resulted in my car being totaled by my insurance company. At the time of my accident I was not in default of my lease.
Since the Car was totaled, Kia Financal infomed me that at owner of the vehicle, they were entitled to XXXX percent of the insurance proceeds. The amount the insurance company offered, the XXXX of the vehicle, was determined to be {$43000.00}. However, the early termination payoff amount from the Kia Finance website on that date was {$35000.00} giving KIA {$8100.00} gain from the excess depreciation I had paid during the course of my lease. In addition the payoff included an additional {$3300.00} in sales tax.
On XXXX XXXX I exercised my option in the lease agreement ( paragraph XXXX ) to purchase the vehicle before maturity, making me now the owner of the vehicle. I sent payment of {$39000.00} to Kia Finance via their web portal. This purchase option ( before XXXX ) was unrestricted and only conditioned upon me not being in default.
Kia refused to send me the title to the car claiming my contractual right to early payoff of the lease was not applicable when the car was totaled, even though no such language exists in the lease document.
In addition, since the car was totaled, I informed KIA that sales tax on the transaction was not applicable and asked for a full refund of the {$3300.00} that was included in the pay off number. Note that in the settlement offer with my insurance company KIA did not charge sales tax because this was viewed as a financial transaction for insurance purposes, not a resale of a car since the car is now a salvage vehicle.
On XX/XX/XXXX received a check from KIA in the amount of {$25000.00} XXXX XXXX months after I Paid {$39000.00} to KIA or {$14000.00} less than what was determined to the the pay off amount on XXXX XXXX, XXXX the check was labeled Lease Refund?
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| 01/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
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I can not find any exact choice that matches the issue I am having with this leaseholder. My leased car, a XXXX XXXX XXXXXXXX was involved in a hit and run incident last month, in XXXX while parked in front of my home. It was fully insured as is required for a lease. Ideally, I should have had no issue with my insurance company and my claim but that is not the case. To my utter shock and disbelief my long time insurance company is denying my claim for damages which are considerable. of course I am in the midst of XXXX this but it is extremely difficult and it is possible that their decision will be upheld. It was my first time leasing a car. I was panicked and didn't know what to do. I reached out to Kia Finance at least three times and to the dealership. They want nothing to do with the situation. There is no support, no guidance of any kind yet I am expected to continue making my payments. I am paying for a rental car out of pocket as well as I did not have this type of coverage on my policy. There is absolutely nothing KIA finance or the dealership is offering to do for me. No loaner car, no rental reimbursement, yet I have to still make payments? How is this fair? I don't even own this car. It is not my fault that my insurance company is denying the claim. It is of course, something I am battling vehemently with them but I could very well lose. Then what? I owe Kia a car? Shouldn't KIA do something to help a customer fight this? They have no legal team that can advise or assist? They have an interest in this. This is their car. I don't ' own it. How is it fair that this is all on me? I am leasing it and making all my payments on time. In any other circumstance, I am in such good standing I should be and was already being approached on an early lease renewal which I was considering. How can this even happen? They have no responsibility at all in this? I did my part. I pay my lease monthly. I was insured for full coverage. I did everything I was supposed to do.
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| 10/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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Lease with Hyundai Motor Finance initiated in XXXX for a XXXX XXXX XXXX XXXX. Lease buy out was executed in XXXX after following proper steps at end of lease term to obtain pay off balance and notify Hyundai. Consumer pursued a loan through XXXX 's XXXX XXXX XXXX in CT for purchase price of car. Consumer assumed title had been transferred to XXXX XXXX XXXX XXXX XXXX.
During XXXX consumer was notified that the credit union never received the title. Consumer called Hyundai to determine why and learned of outstanding property taxes which were owed since the lease buyout. Because the title stayed in the name of Hyundai, property taxes were sent to Hyundai and paid by Hyundai although no correspondence sent to consumer or credit union. Consumer immediately paid outstanding property taxes over the phone expecting title to be released.
A few months go by and still no title sent to credit union or consumer. Consumer called again only to learn a mileage odometer statement was needed and a bill of sale. This is now three years after the lease buyout and all of this paperwork was originally sent. Another year of taxes paid by Hyundai, consumer again reimburses Hyundai.
Bill of sale has now been sent four times to Hyundai, by fax, through Hyundai secure email service and twice by email to a customer service representative.
No correspondence from Hyundai and terrible customer service every time consumer calls. Collections department is where all calls are routed to for this matter and treated by customer service as if consumer is behind on bills. Consumer continues to ask for manager, none available and has asks multiple times to be transferred to the appropriate department for transferring titles and consumer is told the department doesn't take phone calls.
Hyundai always verifies contact information when calling so the company knows how to reach consumer but chooses not to. Three years now been trying to have Hyundai release title! Absolute terrible customer service.
|
| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
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Web |
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On Friday XX/XX/18 I went to XXXX XXXX XXXX in XXXX XXXX. I was interested in lowering my current payment, and transitioning into a XXXX vehicle. The salesman was very nice and honest, and then his manager XXXX came out to talk to us. He explained he would have to do a soft pull of my credit in order to give me a roundabout of what he could do for my situation. I told him I didnt want my credit pulled and could he provide me with a roundabout estimate of payment if I provided to him my scores, he stated do you know all three of your scores I stated yes. I provided him my 3 scores and he wrote it down and went in the back. It was around XXXX so my friend and I told him to call us and let us know what he came up with, he stated the payments are looking about {$400.00} with no money down. I walked out assuming he would call tomorrow with final deal. On the morning of XX/XX/18 I checked my score due to receiving an alert that my score had changed and to my surprise my credit had been pulled from XXXX XXXX against my consent. I called the salesman XXXX immediately and he stated he was on his way in. I asked did he have his managers phone number he stated no and that he doesnt come in until about XXXX. He insisted for me to come in and check out the vehicle to purchase, however I was more concerned about my credit drastically dropping in points. I made my way to the dealer and saw the vehicle, I didnt like the vehicle because it was a XXXX vehicle yet it had less perks than my current vehicle. XXXX ( XXXX manager ) came out showing papers claiming he never pulled my credit. XXXX stated to me alone He probably pulled your credit and forgot he did it At that time i was told to sign the credit authorization form in order to proceed. There was no deal they were able to work out for me and a vehicle and my credit suffered, even when originally my credit was not to be pulled. They pulled my credit illegally and I will like my score to go back to my original score of XXXX.
|
| 10/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I spoke with Hyundai Motor Finance about my account balance was inaccurate, I asked them for itemized transaction records for everything and they said they would send via email and never did. I also had asked them to refinance the car loan and they denied it being an option. I told them the dealer said I would be able to refinance after 6 on time payments and they didn't allow me to.
I also told them that the dealer used malicious business practices to hide the fact that I was paying 50 % of my payments to interest. They explained the per diem clause as a temporary amount I would be charged and the number would " get lower '' when I paid down my loan. They never explained that the per diem was the interest rate charge per day. They said the per diem charge would be applied to the first few months of the loan as a " process charge '' rather than the interest rate charge.
They also took my {$10000.00} car and gave me a {$30000.00} loan and stated that there were Federal Taxes on rhe car and that's why the loan was at {$40000.00} and the car reduced it to {$30000.00}. I found out that there is no Fed Tax on vehicles and the dealer lied on how the trade in was calculated into the loan.
Also, I told the lender that I was doing a lot of XXXX XXXX and that I was in need of a hybrid vehicle to save on gas. I told them that I was making around {$5000.00} gross income a month but also that I was spending about {$1200.00} a month of expenses running my business. If they would have provided me a hybrid vehicle the gas savings alone would have paid for the car itself. Also I can sense that they lied on the loan application because my income to expense ratio does not fit a {$40000.00} loan non-hybrid vehicle.
A calculation of {$5000.00} gross minus {$1200.00} gas expense, {$1500.00} rent expenses, 30 % tax estimate of {$1500.00} would have made me ineligible to afford the car. They violated rules to approve me knowing that I would not be able to afford the vehicle
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| 03/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX response to my initial complaint is insufficient and did not address the issue. I was not informed of an outstanding balance being a {$620.00} Wear & Tear fee at the time of leasing another XXXX vehicle. I was informed there was a Wear & Tear fee that was taken care of by the Hyundai XXXX dealership and that was it. Once informed via letter in XX/XX/2017 about a {$620.00} Wear and Tear fee, I immediately called the dealership to inquire why this fee was not paid and was assured by them it was handled. I then called XXXX to inform them that, again, the dealership paid because the dealership continuously told me it was paid. I did my due diligence in trying to remedy this issue multiple times between XXXX and the Hyundai XXXX dealership. XXXX neglected to admit in their initial response that my account was paid in full by the DEALERSHIP and not by me. Again, no payment that came from me was ever late. Better yet, this late payment they claim was my responsibility came from their own dealership 's checkbook! The Hyundai dealerships payment to XXXX was late. The dealership has even admitted responsibility for this payment ( see letter from dealership attached ). The dealerships manager says, XXXX sent XXXX XXXX a bill and she advised them that the dealership was to pay that amountthe dealership failed to do this. The fact that I, the customer, have been the middle man between these two entities, dealing with their lack of communication with one another and being personally affected by their failure to remedy this situation several times is abhorrent. Had I been told by XXXX or the dealership to pay a {$620.00} Wear & Tear fee, I WOULD HAVE and quite frankly, I wish I was given the opportunity to do so rather than be lied to multiple times by the dealership that the payment was handled and be in this present situation. Look at my payment history- I have never been late on a payment once in my life and would never not pay an outstanding balance!
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| 08/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Kia Finance America have not provided me with my Financial Audit that I have requested on several occasions. XX/XX/XXXX I was informed by a Kia Representative that I was behind on my car loan and I had to pay double for the month or my car will get repo.
I inturn paid around {$1200.00} two months ago XX/XX/XXXX.
I also made my XX/XX/XXXX payment of {$670.00}. I called Kia Finance to make my XXXX payment around XXXX XX/XX/XXXX couple days ago and the representative informed me that I had to pay {$1600.00} or my car will get repo.
I informed the representative this is not adding up. When I stated making payments on my car loan dated around XX/XX/XXXX which is two years ago my finance total balance was around {$34000.00} including financing.
Within two years I have paid well over {$18000.00}. Kia Finance America will not take my XX/XX/XXXX payment of {$600.00} and informed me that if I do not give them {$1600.00} my car will get repo. I notice within the last two months they have been given me a hard time. My current payments to include XXXX and XXXX have total over {$1800.00}.
I again informed Kia Finance America my monthly payment is {$600.00} however ; they have been charging me well over this and threatening to take my car although I have been making payments.
I informed Kia Finance America for the third time I needed to file a complaint and need an audit and investigation on my account. They have yet fell to provide that information. I am a XXXX XXXX Military Veteran and this Financial matter and mishandling of my funds on Kia part is really aggravating my military XXXX.
Kia Mishandling of my account has affected my credit score tremendously and my mental state!
Please help me in resolving this matter. My car is a necessity as well because I depend on this to get to my Veterans Doctors appointment and etc. I am currently unemployed and use my VA XXXX check to make my car payments.
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Email : XXXX XXXX
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| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Account No. : Vehicle : XXXX VIN : XXXX Maturity Date, XXXX XXXX XXXX XXXX XXXX AT XX/XX/XXXX In XX/XX/XXXX the above-referenced auto lease ended, and I returned the vehicle to XXXX. The car lease began in XXXX XXXX XXXX XXXX was the signer on the account and XXXX XXXX, the Daughter, was the co-signer. Throughout the duration of the lease, the account was set up for auto-draft payments. Not one payment was missed. The lease ended, the vehicle was returned, and the account was closed in good standing in XXXX XXXX
In XXXX XXXX nearly 2 years after the lease ended, KIA added two 30-day late payments to the KIA account on our credit reports. The account was previously in good standing. In XX/XX/XXXX, nearly 2 years after the vehicle was returned, we were alerted to two 30-day late charges on our credit reports. We contacted KIA Finance immediately.
It had been 2 years since we were a KIA customer. Both my daughter and my address changed. Mail forwarding only lasts for 6 months. There was no way that this invoice ( sent two years later ) could make it to us in the mail.
KIA sent my daughter, XXXX, a copy of the final invoice on XX/XX/XXXX. The invoice was not itemized and did not include a description of fees. On XXXX XXXX XXXX we called to speak with a supervisor. Throughout the month of XXXX we called over 10 times. We sent KIA Finance a letter at the end of XXXX XXXX. We received a call from a supervisor on XX/XX/XXXX. We received a login to a portal that contained information about the invoice and pictures. On XX/XX/XXXX, we received a voicemail from the supervisor about an offer for a resolution. We called the Kia supervisor for the entire month of XXXX and were never able to get anyone to return our call to take care of this account. KIA has been reporting late payments every month on our credit reports but has not given us a way to pay the account.
We sent KIA finance America formal letters in the mail. I attached copies of our USPS receipts.
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| 04/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I originally purchased and financed my 2021 XXXX XXXX with Hyundai Finance in. XX/XX/2021. I refinanced it with XXXX XXXX XXXX XXXX, was approved on XX/XX/2021, and sent a certified letter with check # XXXX in the amount of {$28000.00} to Hyundai with the full payoff balance at that time to Hyundai. Per XXXX XXXX 's confirmation, Hyundai cashed the check on XX/XX/2021, yet Hyundai has not applied it to my account and are still billing me to which I am paying so I do not get a credit hit on my account. I have called Hyundai Finance 5 times since the check was cashed and they have confirmed they have my check, that it is sitting in suspense, but have not posted it to my account. Note : During my initial contact, they could not locate the check so I was told to write to Hyundai California to file a lost check affidavit, which I did. After this letter, I was promised multiple times that the check was found, and that it would be posted to my account within 7-10 business days. As of last weeks call, a manager representative told me it would be posted no later than yesterday, XX/XX/2021. I spoke to another manager representative in their finance department today and they have told me that there is nothing they can do and they can not speak with their accounting team directly only via email and if they do not respond via email there is nothing they can do. I am on a call on hold waiting for another manager now because no one has been able to assist me and I am being told that there is no one anyone can speak to in accounting to get my funds posted. Each time I call, I have to go through the same conversation where they can't locate my check and then when I give them the check number they locate it.
This is unacceptable as they are still billing me so I am paying two car payments at this time for the same car. They also have not advised when they will refund me my funds for monies I have been erroneously charged while they were 'locating and posting ' my check.
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| 10/26/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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XXXX ** 2021 I purchased a new car through Kia finance, for {$54000.00}. All consumer credit transactions are to be in accordance to 15 USC 1605 Determination of a finance charge ( a ) ( b ) ( 1 ). The documentary evidence shows at least 3 violations that would automatically void my consumer credit transaction pursuant 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) Civil Liability which clearly states ANY creditor who fails to comply with any requirements under this chapter ; in the case of an individual action twice the amount of ANY finance charge Violation # 1. Kia took a down payment of {$2000.00}, the finance charge dont include charges of a type payable in a comparable cash transaction. No cash is needed in a consumer credit transaction.
Violation # 2 Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determine as the sum of all charges Documentary evidence will show monthly payments and again a down payment. The finance charge is the SUM of all charges and there is to be no cash in a consumer credit transaction.
Violation # 3 ( b ) ( 1 ) ) Charges or premiums for credit life, accident, or health insurance in connection with any consumer credit transaction SHALL be included in the finance charge ; the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying or obtaining the extension of credit I was told I had to have my own insurance up on credit approval to complete the consumer transaction, And i was never shown a disclosure regarding insurance in accordance to finance charge.
Violation # 4 Because my car is being used a security interest Kia Finance was obligated to notify me of my right to rescission pursuant 15 USC 1635 Right to rescission as to a certain transaction.. the documentary evidence will show I wasnt notified of my right.
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| 04/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I have had a lease with Hyundai/Kia financing since XXXX of XXXX. My lease is set to be completed XX/XX/XXXX. Due to the changing size of our family we need a bigger vehicle and I contacted Kia to figure out how to get out of my lease. Upon contacting them for several weeks about statements and an audit ( as of today I still have not received those statements ). The last payment I sent in XX/XX/XXXX was for {$1100.00} cents which made my account current. Imagine my surprise when I logged in I was notified a few days ago after disputing a balance of my account that I was still delinquent. How??? No one could explain until I was able to speak to a manager only after my husband called to speak to someone after I had been transferred over 5 times and hung up on several times. The manager after several moments informed me that I had a missing payment from XX/XX/XXXX! I was livid considering that I had paid not even 14 days before and asks what my balance was so that I could be current. She proceeded to tell me that Kia does not call customers if they are behind on bills or if one is missing .... I am sure that can not be right. I called again XX/XX/XXXX and spoke to XXXX who told me she saw I was current from the last payment and that she would contact the payment department but it would take at least 30 days to correct ... I would also need to call in for a status because they do not call out anyone ... I have retained a buyer but Kia would not give them more than 24 hours on the payout quote. When I asked I was told it was because it was right before a cycle and cycles are different on leases. I am trying to do the right thing but I refuse to pay a " bill '' from almost two years ago that I was never notified of. All I want is to get rid of this car and hold Kia accountable for their lack of customer service and due diligence. In the midst of a pandemic I am still trying to make sure that I am taking care of may responsibilities they need to as well.
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| 07/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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I started a lease with Hyundai on XX/XX/XXXX, with the lease end date being XXXX XXXX. In XXXX of XXXX I moved from XXXX XXXX ( the state I was leasing in ) to XXXX XXXX I had changed my license to XXXX XXXX, so I needed a state to state transfer of the registration. I called Hyundai finance and they told me they would send the title to DMV for me. I made the appointment, and was told by DMV they had no received anything. I waited until XXXX when I decided to buy out the car after my lease. On XX/XX/XXXX I send a cashiers check of almost XXXX to Hyundai and they cashed it 2 days later. Today is XX/XX/XXXX, and I have no idea when I will receive the title to the car I paid in full for. The car can not leave the driveway at this point. I call at least every 2 days for an update because I am constantly getting the runaround of when I will receive it. For the first two weeks I was told to wait 3 business days for processing. Which processing? I was never explained what was even processing. Then miraculously on XX/XX/XXXX I was told the DMV does have the title, the entire time apparently. So a title they were processing, was at the DMV. I was then told DMV was going to destroy the title ( because it had a lein on it ). A week later I was informed that they was unable to happen and Hyundai requested the title back from DMV. Maybe a few days later I called back, Hyundai still said DMV had the title. I called a lot of times and they claim they keep notes on each call, but it seems like no one knows what is even going on with the title. I am now told they have the title, Hyundai in Texas does. They are now processing it. Again. I need the title, bill of sale, and release of lien. All of which I am constantly told will happen in 3 days. It has now been over 8 weeks. Me and my daughter ( an insured driver and co-leased the car with me ) rely on the call to get to work and school. I need to the title to register it, but am receiving no help doing so.
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| 04/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I had a lease with Hyundai Motor Finance USA ( HMFUSA ) that ended in XXXX of XXXX. At the end of the lease, there was to be a ~ {$500.00} turn in fee, plus any wear and tear, I estimated wear and tear to be about ~ {$300.00} additional. This amount turned out to be correct.
The issue that I am encountering has to do with the payment of this fee. I turned in the vehicle in the midst of COVID-19, which delayed the turn in until XX/XX/2020 at their request. The vehicle and keys were turned into the General Manager XXXX XXXX of XXXX Hyundai in XXXX. The vehicle was accepted, and I was told that I would hear from Hyundai as to when, where, and how I could pay my fee.
I heard nothing from Hyundai until XX/XX/2020, that the amount was past due, and I had already been reported as delinquent to the credit bureaus. Before I could speak with Hyundai regarding the fee and where to send it, they damaged my credit. No details for payment were available online or in print.
When I accessed their website to pay the fee, my account showed as zero 'd out and complete ... with nothing owed. I have screenshots to prove this.Months later, I get a notification from the credit bureaus that I have been reported as 60-90 days delinquent.
In the entire 60 months of the lease, I had never missed or been late on a payment. Yet, because of COVID-19 and issues on Hyundai 's side... my credit has been incredibly damaged.
I spoke with them at the beginning of the disagreement, and they said that if I paid the fee, that they would take care of the reports to the credit agencies. That has not occurred. I tried to settle based upon their emails, but my account had been disabled.
I have made numerous calls and requests to HMFUSA to speak to someone, but all attempts at contact have failed. They will not respond to emails, phone calls, or mail.
I have also contacted all 3 credit bureaus asking for investigation/ appealing the remarks. But this has also failed.
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| 02/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
At the end of XXXX, XXXX, I refinanced my car loan I had originally taken out in the summer of XXXX with Kia Motors Finance. The new financing was through a credit union and they sent me all of the required documentation and confirmed payoff amount and ultimately the cleared check cashed by Kia Motors Finance in XXXX XXXX. The payoff amount was less than {$14000.00} in XXXX, the payoff amount paid was made for more for {$14000.00}. The following month, since I was on Autopay, Kia Motors Finance took out an additional {$450.00}, even though I had gone on their website and 'stopped " the autopay function. I heard nothing from Kia Motors Finance in XXXX or XX/XX/XXXX, although I starting paying the new loan to the credit union in XX/XX/XXXX. In XX/XX/XXXX, I started getting email and text requests from Kia Motors Finance with invoices, as if the loan with them was still active and valid. I went on their website and confirmed my balance was XXXX, yet I still kept getting notices. I contacted Kia Motors Finance through their website and again via phone and tried to get the problem with their accounting resolved. Nothing was done, In XX/XX/XXXX, I got another text notice and it stated that my 'account was past due. ' I again called them on XX/XX/XXXX and spoke with a representative XXXX XXXX or XXXX ) and her supervisor ( no name given ) who gave me a fax number to send the duplicate documentation confirming the payoff to them. The fax number provided did not work. ( XXXX ). I found a way to upload the confirmation documents on the Kia Motors Finance website, even though they did not provide an accurate option or category - I had to use an alternate, unrelated category to get them the documentation they stated over the phone they required to correct the misinformation they maintained on my account with them. I wish they would fix their problems, stop harassing me, and return the overpayment of around {$800.00} made to them last year.
|
| 11/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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Hyundai Motor Finance XXXX.
I have an original account number with XXXX.
I have an escalation complaint number with XXXX.
I paid off the lease, I have a bill of sale dated XX/XX/XXXX.
XXXX XXXX XXXX XXXX sent me a Colorado title because I leased the vehicle in Colorado.
The problem is that when I moved to Georgia in XXXX, the XXXX in Georgia did not generate a XXXX request for a state to state title transfer.
I paid off the lease on XX/XX/XXXX, went into the GA DMV to get the vehicle put into my wife and my names. They realized the mistake they made from 2 years ago and took my original Colorado title and sent it to the state of GA to generate a new GA title. They mailed the original GA title to the XXXX dealership in CO where I leased the vehicle, I had to call the dealership and they agreed to overnight the original GA title to XXXX XXXX XXXX. In XXXX, Texas. XXXX in XXXX TX received the overnight pack on XX/XX/XXXX at XXXX signed for by XXXX XXXX XXXX very detailed instructions to sign XXXX back of the original GA title and mail it back to my home address so I can take the GA title to the GA XXXX XXXX get the vehicle put in my name.
I have been calling them for 2 months.
They mailed me a letter of no interest or a lien release for this vehicle dated XX/XX/XXXX stating they have no right, title, or interest in this vehicle.
I have been calling them for two months trying to get them to fill out and sign the back of the original GA title they have in their possession.
The case is now in their specialty escalation group but no one will return my phone calls. I have all of my dates, times, and contacts I have spoken to regarding this matter for two months but no one will contact me. They claim that the XXXX TX title department does not have a phone so there is no way to contact them.
The XXXX now handling my escalated case is XXXX. I left a message for her on XX/XX/XXXX and XXXX but they wont give me her direct line.
|
| 04/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I paid off my car note weeks ago, but I can't sell it because Kia Finance refuses to provide timely evidence of my loan repayment. I attempted to reach Kia Finance on XX/XX/23 to obtain written confirmation that my loan has been paid off. They have an automatic system that generates an unsigned letter. That is not acceptable evidence to anyone. I've spend the better part of three days attempting to communicate with them via telephone. A majority of my calls are dropped while I'm on hold, after waiting upwards of 20 minutes. When I finally reached a human on XX/XX/23, I was first a lien release had already been sent to my Secretary of State and that a copy would be emailed to me. It never arrived. When I called to follow-up the next day, I was told they have a policy against emailing such copies. After elevating to a supervisor, which took several more calls, I was told that a lien release had been mailed to me. I indicated I couldn't wait for the mail, and finally it was offered ( never before ) that it could be faxed. I provided the fax number on XX/XX/23 and was promised the fax would go out at XXXX the following morning when the notary was in. I called at XXXX and was told there was no record of the fax request or fax number, and that it takes 7-10 days to provide a lien release. I was told that if I ordered the fax, they would expedite. I called this afternoon ( XX/XX/23 ) to see if it has been faxed, and it has not, and the supervisor I spoke to again indicated that they would try to get it done today. The amount of time I have wasted -- several hours over three business days -- is ridiculous. My sale of this car will likely fall through, and I have no evidence that Kia Finance has followed through on a single one of it's promised actions. I have requested further escalation, but am told each time that the supervisor I'm speaking to is the final escalation but no ability to do anything other than submit a request.
|
| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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Kia Motors Finance issued me a check for {$4000.00} I never cashed it, it was stolen out my car I contacted kia about this matter 7 times insisting that they cancel it well they didn't so I called back again the lady stated that the check was cashed and will not be reissued this was a smack in the face this was a reimbursement check from the overage charges please help my family my son is XXXX and will be evicted soon I'm counting on this please look into this and re issue check XXXX XXXX XX/XX/XXXX please mail to XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX THIS WAS KFA RESPONSE I WANT THIS MATTER TAKEN SERIOUSLY!
In their complaint, XXXX XXXX XXXX XXXX Kia Finance America ( KFA ) issued him a refund check, in the amount of {$4000.00}, which was stolen from his car. XXXX XXXX states he has contacted KFA to request the check be reissued to him, but KFA advised the check had been cashed and would not reissue it. XXXX XXXX requests KFA reissue the refund check to him. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion regarding the refunds issued to XXXX XXXX. KFA issued XXXX XXXX refunds totaling {$4000.00}. KFA spoke with XXXX XXXX on XX/XX/XXXX, at which time he confirmed receipt of the refund checks, verifying the amounts and check numbers with KFA. Both checks were then cashed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX contacted KFA, advising he had misplaced the refund checks, at which time he was advised they had previously been cashed. Should XXXX XXXX believe the checks were cashed by an unauthorized third party, he may contact KFAs Customer Service department, at ( XXXX ) XXXX, to have an investigation opened.
THE FACTS IS TRUE I DID CAL KFA AND ASKED WHY WAS IT MAILED AND YES CONFIRMED RECEIVING BUT THEY WERE STOLEN OUT MY CAR BEFORE CASHING WHICH I EXPLAINED MY FAMILY NEEDS THIS MONEY THIS IS HUMILATION.JUST BECAUSE I RECIEVED AND CONFIRMED I GOT IT DOESNT MEAN I CASHED IT
|
| 02/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Kia Motor Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies.
I challenge the accuracy, compliance and reportability of this listing.
Please validate this information with Kia Motor Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX Cc : XXXX XXXX XXXX
|
| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This is regards to a continuing issue with KIA Motor Finance that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between 2 and 4 and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX XXXX resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local KiA dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted KIA again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} KiA owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information KIA is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by Kia that are inconsistent with your credit reporting and KIAs previous response. ( email provided ).
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
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Company : Kia Finance ( KF ) I was leasing Kia K5, which got into an accident.
In XXXX, XXXXnsurance decided to total car and asked if they want the check to sent to me or to KF directly.
I contacted KF customer care and got a buyout quote for : {$24000.00} KF said if the insurance pays them directly then the amount would be {$28000.00} and told me that I'll be returned the overpaid difference amount ( {$28000.00} - {$24000.00} ) After confirming this, I asked the insurance to pay KF directly.
I contacted KF again during XXXX week of XXXX, I was told they received the payment from insurance on XX/XX/XXXX and they confirmed they will process the refund check soon.
I contacted Kia again on XX/XX/XXXX to check the status of the refund. I was told that they have to wait 30 days before they can process the refund. So the check would be sent out after XX/XX/XXXX. They even told me the amount that would be refunded which is {$4300.00} After waiting for a week after XX/XX/XXXX I called KF on XX/XX/XXXX to check the status of the refund they said nothing will be refunded as per the contract.
So after confirming of a refund for 3 times, they told me in the end that I wont get anything.
I had made payments of close to 20 months on this vehicle.
If they had told me before that I wont get any refund from the insurance payoff then I could have asked the insurance to pay me directly and buyout the vehicle for {$24000.00}.
and use the extra cash to cover the payments done or use it towards buying another vehicle.
I lost out close to {$4300.00} because of the misinformation provided by KF. This seems like planned way to cheat the customer and get more money from Insurance.
I would like to seek some help regarding this and recover the amount from KF.
Please let me know if you need more information.
I'm sure all the customer care call were recorded and the information can be verified if we get those recordings Thanks
|
| 03/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I was looking to purchase a brand new XXXX XXXX. I was planning on paying cash, but the week before, my vet told me some bad news and my dog needs XXXX of thousands of XXXX. I decided to see what rates were available to me with my credit score, I tried my credit union and heard back from them that afternoon. I also applied at Kia corporate finance, through their website. Upon submitting my information, I printed the " success '' page. This page clearly states " Your application is being reviewed and we will notify you at the email address you provided when your decision is available. '' This was all 4 days ago. I have not heard any information from Kia corporate, but I did get a TON of text messages and phone calls the following morning from my local dealership. I asked them why they were contacting me, and they said its because I filled out a finance app. I did not want my personal information going to some random dealer, so I was very confused as to how they got the app results and I have not received them. The girl I talked to at the dealership said I can go in and " sit down and discuss the app '' with the finance manager. I asked that she just send the documents and that they were not supposed to have them to begin with. She said no, they can't send them, and I MUST go in and talk to the finance manager.
I called Kia Finance, which seems to be a different company than Kia. I first attempted, at their request to resolve my issue through their website, however, the URL on the recording goes to a dead site. After waiting on hold for extended periods several times, I spoke to someone. I explained what was going on, and she suggested I go talk to the finance manager. I was more than adamant that these documents need to be provided to me, whether it's electronic or snail mail. She hung up on me..
To this day, I do not know the results of my app, nor do I understand what has happened with my personal information.
|
| 06/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I leased a XXXX XX/XX/XXXX. I tried to pay through the website XXXX, but could not set up payment with the VIN, as it indicated I could. I needed an account number. I called the dealer but they were not affiliated with the finance company. I contacted the finance company, but they only had my previous car loan information. I sent an email XX/XX/XXXX to customer service through their website requesting an account number and never received a response. On XX/XX/XXXX, I received a phone call from the Hyundai Finance collections department attempting to collect a past due debt. I had to press them to look into the account and they indicated my first bill was issued XX/XX/XXXX, two weeks after the first due date. I had not yet received the bill at the time of the call. When the bill came it showed the account was past due. The collections agent agreed to waive the late charge and took my payment over the phone. I received a phone call XX/XX/XXXX, again from the collections department attempting to collect a past due debt. They told me the XX/XX/XXXX payment was not made. I paid it again, and I paid for my upcoming XXXX payment. Afterward, I examined my bank account, I saw that money was taken from by bank account XX/XX/XXXX, issued to Hyundai Finance. I called their customer service. They told me the payment was not made. After pressing them and some time into the conversation they found they had applied the payment to the wrong account. I was told a refund would take 30-45 days to process. I am without this needed money and they will not return it for 30-45 days. How can this be legal? How can a finance company be this incompetent? Surely this company is not following guidelines. Something should be done to prevent them from operating in this way. They did not provide a method to pay, then harassed with collections, then took money and didn't apply it to the account, and then refused to return the money for 30-45 days.
|
| 04/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XX/XX/2021 I went to XXXX XXXX of XXXX for to test drive a vehicle that I had seen advertised on their website and had made a specific appointment to see.
*The window sticker was not available for me to view even when I asked to see it and asked for information ( EPA ) that would have been on the sticker.
*The salesman XXXX XXXX did not tell me the price of the car when I asked him repeatedly.
*When applying for an " estimate '' for the loan I was ignored when I requested several times to add a co-borrower so I could take advantage of the best interest rate Kia offered.
*XXXX XXXX and XXXX XXXX engaged in high pressure sales tactic that included deception, bullying and intimidation.
* I was never shown my options for loan terms so I could make an informed decision even though I asked for them in writing.
*My electronic signature was " accepted '' and used by XXXX XXXX the finance manager without my consent when he clicked on all of my signature spots on an XXXX.
*I was told I was giving my information for an application not for a contract.
*I asked to see a copy of the paperwork several times and was told I could " see it later '' *I was told I qualified for {$1000.00} cash incentive from the dealership, then it was not applied.
*I said I did not want any warranties, service contracts or gap insurance and those were applied to the loan anyway.
*I was told I could not leave the new car on the lot through bullying and intimidation. I was pressured into leaving the lot with the new vehicle including following me to the bathroom and waiting outside the door, and not allowing me to call my insurance company to add the car to my policy.
* I found all of the relevant paperwork including the window sticker in the glove box of the car after arriving at my home.
*I returned the car to the dealership on Sunday XX/XX/2021, as I believe I do not own it.
No contract was formed as I was led by fraud by inducement.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX remains in violation of 15 U.S.C. 1681g. This is a dispute against " HYUNDAI MOTOR FINANC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY Trade : HYUNDAI MOTOR FINANC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information currently reported is inaccurate, false, and incorrect. XXXX ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must maintain accurate and complete credit reports for consumers. Reporting a business account on my personal credit report violates this statute, as it inaccurately represents my credit history. 2 ) Uniform Commercial Code ( UCC ) establishes that a personal guarantor is not personally responsible for the debts and liabilities of a business. As such, the business account auto loan registered to the business should not be listed on my personal credit report. 3 ) Violation of FDCPA Section 809 ( a ). I was a personal guarantor for a business account auto loan where the car was registered in the name of the business. I have attached the registration showing the business name on the registration. The business and its assets are separate from my personal credit report, and therefore, this account should not be reported on my personal credit report. All information reported on my credit report must be accurate and up-to-date or immediately deleted. This is a demand to immediately delete all inaccurate, false, and incorrect information from my credit report.
|
| 10/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, my XXXX XXXX XXXX was involved in an accident and totaled out with a pay-off amount of {$14000.00}. I did not have GAP insurance but my insurance company ( XXXX ) was able to cover {$12000.00} and the Ancillary product refund was {$600.00}. I had made every on-time monthly payment from the purchase of the vehicle and then past the accident. Normal on-time payments were made after the fact to pay off the incorrect remaining balance of {$1700.00}. Even though there was no vehicle I continued to make payments. In XX/XX/XXXX, I made a {$50.00} payment at the beginning of the month and when I went to make a second payment on the XXXX the payment portal was blocked. I called the number listed and spoke to a customer service rep, she stated that my account was in another department and that I should receive a letter with the final balance. I did not receive a letter and waited. On XX/XX/XXXX I received a Hyundai finance alert paperless bill for {$220.00} due on the XXXX of XXXX, XXXX. This billing was obviously wrong My thought process was that maybe Hyundai Motor Capital was giving me a break and extended the term to pay-off over time. I was wrong.
On XXXX the XXXX I received a call from Hyundai Motor Capital and spoke with Mr. XXXX XXXX. He stated that I had a balance due. I told him that I had tried to make a payment and I was locked out of the portal. I explained to him that I did not recieve a final bill and I asked if he could email the final bill which he did and if I can continue to make payments of {$200.00} more on the balance. He said yes.
Hyundai charged off my account without warning to me and misreporting and not properly reporting to the bureaus over several months and while I was making payments on the account balance. I called several times to try and fix this. I wrote a letter showing that my intent was to do right all along. This account is paid in full. This is wrong to do to people.
|
| 01/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
Purchased a new XXXX vehicle in XX/XX/XXXX. Financed a portion of the purchase price with Hyundai Motor Finance.
The loan was paid in full XX/XX/XXXX. Received correspondence dated XX/XX/XXXX acknowledging the debt had been paid ( copy attached ).
Letter stated that it ( the letter ) " shall serve as certification and evidence of satisfaction of the above referenced retail installment contract ''.
In early XX/XX/XXXX, an application was filed with the Illinois Secretary of State for a title with the lien removed. Due to an error in the application the lien was not removed and the title was sent to Hyundai Motor Finance. Starting in late XXXX XXXX was called repeatedly for them to send the title. These calls generally followed the same routine : The representative on the phone was polite and seemed to want to help. But they did not handle titles. Please furnish a way to contact ( a telephone number ) the individuals who do handle titles. The representative could not do that as there was no telephone number or external email address for the title department. All they could do was send an internal email, which they allegedly did several times. The reasons given for the title department not sending the title ( strange they knew the reason since they could not contact the title department except via email ) ranged from they did not have the title ( in a subsequent telephone conversation a representative acknowledged the title was logged as received on XX/XX/XXXX ), titles were only sent out on Tuesdays and Thursdays and a reduced work schedule due to Covid.
They would send another email. On one call I spoke with a " supervisor '' who provided the same story : they had no telephone number and could only send an email. The last telephone communication with Hyundai was on Monday XX/XX/XXXX at which time I was assured the title would be sent on Thursday ( XX/XX/XXXX ).
It is now mid XX/XX/XXXX and still no title.
|
| 09/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
This is a formal complaint on Hyundai Motor America ( XXXX ). On XX/XX/XXXX I was on the way to pick my children up from school when I heard a loud metal knocking sound coming from the engine. The car turned off and I was forced to pull over to the side of the road. On XX/XX/XXXX the car was towed to the nearest XXXX XXXX Hyundai dealership in XXXX, Fl. The diagnostics are done by appointment only. Three weeks later the diagnostic was complete. The diagnostic proved that the engine locked. The service advisor advised me that my XXXX XXXX XXXX has a lifetime warranty and if the issue was because of my engine I will be compensated a brand new engine at no cost. Before the service advisor submitted the actual claim over to XXXX he requested to have proof of a couple receipts of the routine oil change. I provided him with the information. After sending that information over to XXXX, The service advisor contacted me saying that XXXX wanted pictures of the motor. After receiving the pictures of the motor they denied the claim stating that there is reason to believe that there was neglect to changing the oil, which was not true. I have provided XXXX with proof and advised them that the previous oil company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX, XXXX, FL XXXX ) sold their business to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). The XXXX XXXX have told me that they can not provide any of the records from the previous company because they do not use the same system. By law the oil companies are suppose to keep the customer records up to 5 years. I am a single mother of XXXX children and I work a full-time job being without my car has caused me to take off from work and fall behind on my bills. The car was financed XX/XX/XXXX and paid off XX/XX/XXXX. XXXX is aware of recalls, electrical issues and engine complaints. I deserve to have my engine replaced at no cost because my engine has a LIFETIME WARRANTY.
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Re : Account XXXX. : Vehicle : XXXX VIN : XXXX Maturity Date, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In XX/XX/XXXX the above-referenced auto lease ended, and I returned the vehicle to XXXX. The car lease began in XX/XX/XXXX. My father, XXXX XXXX, was the signer on the account and I was the co-signer. Throughout the duration of the lease, the account was set up for auto-draft payments. Not one payment was missed. The lease ended, the vehicle was returned, and the account was closed in good standing in XX/XX/XXXX. In XX/XX/XXXX, nearly 2 years after the lease ended, KIA added XXXX XXXX late payments to the KIA account on our credit reports. The account was previously in good standing. In XX/XX/XXXX, nearly 2 years after the vehicle was returned, we were alerted to two 30-day late charges on our credit reports. We contacted KIA Finance immediately. KIA sent me a copy of the final invoice on XX/XX/XXXX. The invoice was not itemized and did not include a description of fees. On XX/XX/XXXX, we called to speak with a supervisor. Throughout the month of XXXX, we called over 10 times. We sent KIA Finance a letter at the end of XX/XX/XXXX. We received a call from a supervisor on XX/XX/XXXX. We received a login to a portal that contained information about the invoice and pictures. On XX/XX/XXXX, we received a voicemail from the supervisor about an offer for a resolution. We called the Kia supervisor for the entire month of XXXX and were never able to get anyone to return our call to take care of this account. I am now logged out of the portal with no way to pay or contact the supervisor. KIA has been reporting late payments every month on our credit reports but has not given us a way to pay the account.
We would like two things : to pay the account in full along with an itemized list of what we are paying, which weve been trying to do since XXXX, and late payments removed from our credit reports immediately.
|
| 06/02/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I received a packet in the mail with informing me of the lease coming to an end. I knew the buy back amount was {$11000.00} because I asked about that when I leased the car. I called Kia and confirmed this amount. I went to XXXX Kia to find out information on how to buy my car. I asked the person who greeted me, who said he was a manager, to speak to a finance manager to find out what I needed to do to buy my car. What he did was sit me down with a salesman. He took my information was gone a long while. He came back with the form and starts going over the numbers with me.He had sales price of {$11000.00}, there was a pre-delivery charge of $ XXXXand another non tax fee of XXXX. And tax of {$800.00}. I looked at the paper and questioned him about the figures and he said that 's the way we do it here.I picked the form up and told him I am sending a complaint to the Consumer protection Agency. He asked do you want to speak to the manager. Why would I need to speak with the manager my pay off on the lease contract was {$11000.00} and the pre-delivery charge of {$590.00} was already paid for when I leased my car it was figured in with my car payment. Why would that manager sit me down with a sales person when I should have been talking with somebody in finance who would look my contract up and give me the correct numbers. This is why I am complaining they saw an old lady and thought they could up the price of the car and charge {$590.00} pre-delivery charge, that I already paid for up front, and I would not know the difference. All the numbers are on the contract. This made me so angry I do not want the car I do not want to deal with those people at XXXX Kia. When I left there I went to another dealership and will be leasing a car from them. The reason I am writing this complaint is because how many people have they done this to and get by with it? They would have made a {$1500.00} profit from their deceit.
|
| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, we traded in the XXXX XXXX XXXX for a XXXX XXXX XXXX at Capital XXXX of XXXX , XXXX. ( will be referred to as Capital for the remainder of this document ) Capital stated they would send payment in full to Kia Finance the next day. Because it was right before the holidays, we were aware there may be a delay in payment being received by Kia Finance but we ( my daughter and I ) would not be responsible for any additional payments to Kia.
I received a call from Kia Finance in XXXX stating my payment on the XXXX was 30 days late and I needed to make a payment immediately to bring my account current. I explained that the car was to be paid off in full by Capital and the payment may be late due to the holidays. Kia stated I will continue to get calls until they received payment.
I then received a call from Capital stating there was an error in the paperwork sent to Kia Finance, so the check was returned ( which explained why Kia Finance stated my account was overdue ). Capital confirmed they corrected the error and sent the updated paperwork to Kia Finance. My daughter was communicating with Capital via text message to rectify the situation as well. It was our understanding Kia Finance received full payment soon thereafter.
I received an alert from XXXX ( creditors ) stating my credit ( XXXX ) score dropped 85 points. When I reviewed my credit history, it stated the reason for the drop was Kia Finance. On XX/XX/XXXX Kia Finance lists my account is 30 days past due AND on XX/XX/XXXX, KIA Finance lists my loan is paid in full. Please confirm how my loan is in arrears and paid in full at the same time. When I called Kia Finance to get confirmation, the automated system stated that my account was paid off XX/XX/XXXX, because the check in the amount of {$28000.00} was received on XX/XX/XXXX.
I also received a letter from Kia dated XX/XX/XXXX indicating the Kia is paid in full. ( attached )
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I purchased a new XXXX XXXX on XX/XX/2020 and setup the financing through Hyundai Finance. When I received my First statement from Hyundai Finance, I setup my XXXX XXXX Auto bill pay to pay this bill on theXXXX. of each month ( payment Due on the XXXX ). The first payment ( XXXX ) was posted and the following month XXXX statement reflected the payment made. The next ( XXXX ) payment was sent on XX/XX/XXXX. The XXXX statement showed no payment made for XXXX, so I checked my checking account. XXXX XXXX took the {$600.00} from my checking and sent the funds to Hyundai on the first of XXXX. I checked with my Bank and they verified that the fund were sent and received but not cashed. I asked my bank to cancel that check and reissue another check, they did, but it did not post. I called Hyundai and told them about the problem on their end and requested them to waved the {$30.00} late fee. Hyundai Finance said they would get back to me about the payment. The same thing happened in XXXX. On XX/XX/XXXX I checked if my check cleared and it did not. I contacted Hyundai Finance and paid the payments for XXXX, XXXX and XXXX on XX/XX/XXXX over the phone and setup with Hyundai Finance to debit my checking each month. Note the XXXX payment was made before the due date. I wrote two dispute letters to XXXX on XX/XX/XXXX and XX/XX/XXXX. Hyundai reported to XXXX XXXX that I was three months late in XXXX and after my XXXX dispute letter HF revised the credit reporting to just one late payment in XXXX. Which prompted the next dispute letter on XX/XX/XXXX. I submitted the HF loan agreement that stated my first payment was due on XX/XX/XXXX. I have contacted HF and they refuse to remove the one late payment. The XXXX Branch manager informed me that their investigation in to this was that Hyundai Finance had changed their mailing address after the first payment was made and never notified us of the address change.
|
| 09/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American, Servicemember |
|
I tried to pay off my loan through Hyundai Finance on XX/XX/XXXX. Hyundai sent me an email on XX/XX/XXXX to tell me that the payment did not process through my bank due to some error in the routing or account number. At that time they also imposed a {$30.00} NSF fee.
I then called Hyundai Finance customer service and spoke to " XXXX '' who said that he would waive the fee if I paid off the loan including the fee, through him that day. I did and when I asked how the waived fee would be refunded he told me that it would come in the form of a check via US mail.
After waiting until XX/XX/XXXX and after receiving the clear title in the mail, I called Hyundai Finance again to as when I could expect the check. I Spoke to another " XXXX '' who told me that the refund shows up in the account, but it's " just sitting there. '' He then attempted to transfer me to a manager to verify when the check could be cleared and sent. Unfortunately, my call was NOT transferred ; I was disconnected. I waited a few minutes to see if anyone would call me back but no one did. I called them back and was connected to " XXXX. '' After explaining my dilemma, she put me on hold to check into it. XXXX also said the refund was " sitting there, '' but couldn't process due to the loan being closed. She then said she would send an email to the payment processing department asking them to take care of it and also for them to contact me to advise the status.
Nothing was done and no one called or emailed me as of today so I called once again and asked to speak to a manager and was transferred to " XXXX '' who asked me to explain the issue again even though he said he had the history pulled up. I did so and his response was that they simply don't send refunds after the account is closed. The conversation ended with my telling him that my next contact would then be Consumer Financial Protection Bureau and him saying " fine. ''
|
| 11/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My husband, XXXX XXXX, leased a XXXX XXXX XXXX for me starting in XX/XX/XXXX with the lease end of XX/XX/XXXX ; we contacted Hyundai Finance and were given permission by them to continue to 'rent ' the vehicle because we were in the process of refinancing the vehicle so that it was in my name. I contacted XX/XX/XXXX XXXX XXXX XXXX XXXX and was able to obtain a loan for the vehicle utilizing them. Additionally, my husband also received a loan through XX/XX/XXXXXXXX to purchase his lease ending vehicle from Hyundai Finance.
We completed the paperwork at the beginning of XXXX including the Credit Union sending payments fulfilling the buyout of both vehicles from Hyundai. We were told that it would take approximately three weeks to receive the titles from Hyundai Finance that we would need in order to apply for tags and titles for our vehicles. Hyundai Finance has been negligent in their fiduciary responsibility towards myself and my husband. Though they received, accepted, and applied the funds towards closing out both accounts, they have not provided the necessary signed odometer statements that we need to take to the Department of Motor Vehicle in order to obtain our tags and titles.
We have contacted Hyundai Finance multiple times and each time they will ensure us that they will send us the necessary signed documents ; they have not fulfilled their part of the bargain to this date. It has been nearly two months since we submitted the payments necessary to close out our Hyundai Finance accounts but Hyundai Finance seems intent on not providing the signed documents. We simply want the signed documentation necessary to complete the transaction when we go to the DMV. I am a part of this now because XX/XX/XXXXXXXX provided me a loan for the vehicle but I can not obtain tags for my vehicle due to Hyundai Finance 's negligence. Additionally, my husband has the same issue with his vehicle.
|
| 02/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
1. In XXXX of XXXX my husband and I purchased a new XXXX XXXX XXXX and put it in joint names. We financed it through Kia Finance because they were offering a 0 % rate.
2. In XXXX of XXXX my husband died. There was no will or estate opened 3. In XXXX of XXXX I moved from XXXX XXXX to XXXX.
4. In XXXX of XXXX I began work on obtaining an XXXX title in my name. I contacted KIA customer service and the deceased accounts division, sending deceased accounts a death certificate and a title transfer request from the XXXX XXXX XXXX clerk of courts. The transfer request asked KIA finance to send the clerk of courts ( a ) letter stating that the title could be transferred into my sole name and ( b ) the XXXX XXXX title. I was told by " XXXX '' on XXXX XXXX that they had everything that was needed.
5. In XX/XX/XXXX I submitted the request again by certified mail. After numerous follow up calls the title was finally sent to the clerk of courts on XXXX and then at my request a copy of the letter authorizing the transfer was faxed. However, the clerk of courts told me an original was needed.
6. On XXXX I called KIA finance and asked that the letter authorizing the transfer be sent. I was told it would be, but it was not.
7. Today I was told many different, conflicting things. The bottom line is that a letter will not be sent until I contact deceased accounts, which is where I started last XXXX. Customer service said they had no way of contacting alone else within Kia Finance and that it would take them 3 days to get a response from deceased accounts. Unfortunately the clerk of courts will send the title back to Kia Finance if they don't receive the letter by the end of next week.
All bills have come to me and every one has been paid on time. I can not fathom why I am having so much trouble unless Kia Finance is trying to get an elderly widow to pay off the loan because of the 0 % rate.
|
| 03/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
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I bought a new Hyundai XX/XX/XXXX and traded in my old Hyundai to the dealership who in turn paid the loan off with my car and additional money I had to give them. I was told I was getting an overage check from Hyundai Finance but never received it. When I called Hyundai finance they said they sent my check to the dealership by mistake. I called the dealership and they said they never received it. I was told by Hyundai finance that I had to wait 30 days and to call back to request a new check. I called back in XX/XX/XXXX and was now told that the dealership had to call them and tell them to send the check directly to me. I called the dealership several times and no one would help me out. I finally was able to get the comptroller of XXXX XXXX Hyundai dealership to call Hyundai Finance to let them know to send me my check. On XX/XX/XXXX the dealership finally called Hyundai Finance to issue me the check. I was told I would get the check in 2 weeks. I called Hyundai Finance today XX/XX/XXXX and was told in the notes of my case it has that XXXX XXXX dealership called to request that Hyundai finance release the check to me and then it said that on XX/XX/XXXX an email needs to be sent to a manager and no check was issued. I asked the woman why wasnt an email sent to a manager and she said that they were waiting for me to call and request this. I asked how would I know that an email needs to be sent and she didnt have an answer.
I have been getting the run around from Hyundai Finance for 4 months and have been doing everything they requested me to do in order to receive my check and every time I speak to someone there they give me a different answer and the run around. Please help me get my money from them. I am a XXXX yrs old woman and I have never had any problem trading in a car and receiving my overage check. I really need that money so I can pay some bills. Thank you very much.
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| 10/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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We began a lease with Kia Motor Finance with a first payment date of XX/XX/2019. Several days earlier we made our first payment and set the account up on auto withdrawal from our checking account thinking the first auto withdrawal would be XX/XX/19 because we had already made the XX/XX/XXXX payment. On XX/XX/XXXX, an additional {$470.00} was taken out of the account.
I called customer service on XX/XX/XXXX and asked that the {$470.00} be refunded to me. I was advised that it would take approximately two weeks. When I did not receive the refund I called back on XX/XX/XXXX and was told that the check had just been cut and should arrive at my house at the end of the week.
On Friday, XX/XX/XXXX I again called and spoke with a supervisor who advised me that the check had not been sent yet and that the right course of action was to stop payment and have it applied to my XX/XX/XXXX payment. I was told this would take 2-3 days to complete.
On Monday XX/XX/XXXX, I called again and spoke to a supervisor that advised me that the notes showed the request had been sent and that by the time my payment was due on XX/XX/XXXX, I should see a credit on the account.
On FridayXX/XX/XXXX I called back and was told that I had been lied to previously and that it takes 16 business days to have the payment stopped and applied to the account. My payment will be counted as late on XX/XX/XXXX and I will be assessed a fee.
I have lost all confidence that anyone there can handle this request and feel as though I have been lied to in multiple occasions. Their internal systems prohibit any person to person contact between the customer service department and the payment processing department, so no individual human being can physically call someone to expedite the request. They simply submit and email to the payment department and hope and wait that someone handles it. Clearly they are not handling it.
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| 08/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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In 2013 I went to XXXX XXXX because i was looking for a car or suv that is liable and to get my daughter to school and back and also to get her to her medical appointments ... Anyway, the car i wanted was less than the car they tried to push on me. Salemen get over on women, especially single parents with no knowledge of a car and how thigs work.. I did n't want the car at all but i had no other choice because i had no one to count on to get my daughter to her medical appointments. So i was told by the man who sold me the car after a couple months my payments will decrease. I agreed and accepted the car. The same week i got the car different things started happening to the 2013 hyundai ... The seats was fading due to leakage from the rain ... The CV joints tore up, the brakes went out and the tires always stayed flat. Back and fourth to the dealership, yes they fixed it but the car was different to drive. This car was endangering myself and my daughter life. I complained to the finance company and reported them to the XXXX. I let the car go back because it was stressing me out financially due to having to go back and fourth to the dealership and having to get car repaires done. This all happen the same week i got the car and it continue up until a year and i was fed up because it was dangering my life and my little girl. Hyundai motor finance company came and got the car after telling them several times about the problems i was having with this lemon car. They were n't concern ... A month later they sent me a notice stating they sold the car and want me to pay the remaining balance of {$9800.00} Why should i pay for a car that caused me problems and suppose to be a brand new car? Then they sent me over to a collection debtor who wanted to make an offer and charge me {$7800.00} ... I feel like i should n't be repsonsible for junk that almost caused my life and my daughte life.
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| 09/30/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I obtained a leased vehicle through Hyundai Motor Finance ( XXXX ) in XX/XX/XXXX and licensed the car in XXXXXXXX XXXX I moved to XXXX XXXX, XXXX in XX/XX/XXXX and re-plated the car in XXXX. In XX/XX/XXXX, I received a bill from Hyundai in the amount of {$760.00}, stating XXXX had paid the property taxes on the vehicle based on an assessment from XXXXXXXX XXXX for the period of XXXX to XXXX. I reimbursed Hyundai for the taxes on the car and filed a dispute of the bill on the basis that the car was plated and physically in XXXX XXXXXXXX XXXX during that time period.
I provided documentation to Hyundai to that effect on five ( 5 ) separate occasions between XX/XX/XXXX and XX/XX/XXXX. I have never received any information from Hyundai about the status of the dispute nor have I been reimbursed for the tax payment. ( By the way, at one point in XX/XX/XXXX they threatened to repossess the car for non-payment because they had been applying my monthly lease payment to pay the tax bill instead of applying to my lease balance with no notice to me. ) I have since purchased ( and sold ) the car.
Today, XX/XX/XXXX, I received a new invoice from Hyundai demanding payment in the amount of {$840.00} for taxes assessed by XXXXXXXX XXXX for the time period of XXXX to XXXX. I have contacted Hyundai and ( again ) have been told my only option is to fax or mail a dispute to the Property Tax Department. There is no phone number, no email address, and no escalation process.
I have also attempted to resolve this with the XXXX XXXX Treasurer 's Office. However, only the owner of the car can inform the city of any change in location of the car. Since Hyundai owned the car, I did not have standing to inform them of the change.
I'm requesting assistance in resolving this dispute since XXXX is unresponsive and has made no effort to contact me except to collect payment for a debt I do not owe.
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| 09/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I've never paid my payment since I have a car in XXXX. I purchased a car by XXXX last year and my auto loan is with Hyundai motor finance.
I paid {$2100.00} and {$2900.00} of extra car payments by online ( www.hmfusa.com ) on XX/XX/XXXX for PRINCIPALS ONLY. I called Hyundai Motor Finance CS so they can applied to a principal only since HMF don't have an option for principal only.
I checked my account and they still charged an interest. I called back. Manager told me that he will fix it. HMF applied no interest only for {$2100.00}. But {$2900.00} was not even applied to my account. {$2900.00} was in the air.
I called back. now HMF just applied {$2900.00} to my account WITH an interest and {$2100.00} was in the air. I had to call back so many times with this issue because it kept happening ( HMF even charged me last fees 4 times even though I NEVER paid payments last ). Finally, I requested to get a refund of {$2900.00} because HMF did NOT applied to my account. {$2100.00} STILL charged an interest even though a manager stated that they automatically don't charge an interest for more than {$2000.00}. I just gave up the interest that HMF already charged me once HMF APPLIED the amount to my ACCOUNT. That is all I wanted. JUST APPLY THE AMOUNT THAT I PAID TO MY ACCOUNT!!!
I thought the issue got resolved so I paid {$250.00} for an extra payment for principal only on XX/XX/XXXX. I called Hyundai motor finance CS ( XXXX ) to request {$250.00} for principal only. they messed up AGAIN. NOW, they DID NOT applied to my account " '' {$2100.00} '' '' and " {$250.00} ''. My account remaining balance went back up to back in MAY and it is showing I owe {$1000.00} as of XX/XX/XXXX. My payment of {$2100.00} and {$250.00} are not on my account even though HMF withdrew them from my bank account.
I called HMF CS more than 15 times to resolve this issue for last 3 month. Please help me!!!
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| 08/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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On XX/XX/22 I bought the XXXX XXXX that I was leasing from Hyundai Motor Finance, and was told that my title would be mailed out in XXXX weeks. On XX/XX/XXXX I still hadn't received the title so I called them : I was told that " It has already been delivered ''. Which was strange because I had not received my title. So I asked for the tracking number and he replied that XXXX was wrong and there was no tracking number, but it was mailed out on the XXXX of XXXX and I should receive my title by the end of the week '. Needless to say I still did not receive the title. I called back the next week and was told it could take up to 30 days for it's arrival. After another month they decided to call the title missing and told me " All they could do '' is send a message to the title department to see what the next steps are and for me to call back in XXXX business days to check on the response. Several times I was told their was no response from the title department, so I request to speak with a supervisor. The supervisor said that they would put in a request for a letter of no interest to the title department so that I could request a duplicate title at my DMV. I did get the letter of no interest but my DMV would not accept it because they are listed as the owner and told me that I would need a limited power of attorney or have XXXX request a duplicate title. I called XXXX back and requested a limited power of attorney but was told it was impossible because I already paid off the car so " it's not their problem '' but if I send them a written request with the cost of the duplicate title they would make the request for me. I sent in written request and am now being told that they have not received anything. To be clear I do not think they ever sent my title. I have Informed Delivery with USPS ( where I can see the mail being delivered to me ) and I have not seen anything from XXXX.
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| 11/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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XXXX XXXX, a salesman along with the finance XXXX XXXX XXXX from XXXX XXXX Dealer ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) scammed us with many wrong information.
1 ) XXXX asked us to come to the dealer and finished the buy out my leased vehicle and that was a must. It's wrong since we can handle it via customer service instead of going to them. They failed to mention they charge extra fees for processing the docs. They didn't even disclose it on the docs.
2 ) XXXX told us he needed our SSN even though we already had an approval loan from my credit union. He also said he won't initiate a hard inquiry on our credit reports. He lied and scammed me.
3 ) XXXX told us the buyout amount on Kia finance website quoted us did not include the sales tax. It's a lie because it included the sale tax. ( almost plus 10 % more on top of the final buyout we suppose to pay ) KIA Finance customer service confirmed it. The difference was about {$2000.00} which is not small.
4 ) XXXX, charged us {$300.00} fee and {$450.00} final check fee. Per the lease contract, if we buy out the lease at the originating dealer the dealer fee would be waived. XXXX denied such agreement even though it's in our contract. We brought our car in for the periodic inspection and oil change. However they still wanted to charge {$450.00} for " making sure it's safe to release ''. We said there was no need for checking since it's already been checked at the oil change. On a side note, another nearby dealer would only charge {$250.00} and they were willing to waive it since we just got our car checked.
They scammed us many above issues and damage my credit report with unnecessary hard inquiry. We cancelled the deal after finding out about their lies. We asked them unground my car so we can finish the buyout process with Kia Finance Customer Service but they sill haven't done it an entire week later.
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| 11/08/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I made a lease payment a day before we ended up trading my lease in, I was not able to cancel my payment through my bill pay on my banking app and the payment was processed {$280.00} but was never returned to me, that was XXXX of 2019. Shortly after turning in my lease a received a bill for a entire year of property tax, which 1 only owned the vehicle for 1 month and a 1 day, I phoned Kia and spoke to them and told them that I would pay the pro-rated amount. They were not satisfied with that and wanted me to pay the full amount and they would reimburse me the balance, I told them that I could not trust them to reimburse me as I was still waiting for them to reimburse me my last payment. I asked to speak to a supervisor, was put on hold for quite some time, they came back and told me that a supervisor would call me back, I never received a call back. A month or so later, I received a bill in the same amount as the property tax but instead they were now calling it lease end charges. I do not agree with any of this. I was more than happy to pay my portion of the property tax, and I want my {$280.00} payment returned as it should of been. They have now reported to the credit agencies that my account is delinquent and has brought my score down, which is making it very difficult for me to obtain another lease at this point in time. i need these items removed from my credit report, i was never late on 1 payment ever and this is not right how they are handling this. I have an attorney who has written to them with no avail on three different occasions to try to resolve this. My credit score has dropped dramatically, and for me to obtain a lease now is almost impossible. I have lease from Kia previously and i was never ever late on any of my payments and i don't feel that it is right that they can do this to people over their mistakes and keep money that does not belong to them.
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| 09/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am in complete disbelief to even be filing this complaint I opened up a joint account with Hyundai motor finance and trusted them as a premium lender for financing purposes my car was in a collision and my insurance company completely paid off the car prior to that all payments were successfully made I recently spoke to a manager who informed me that when my XXXX payment was made for {$600.00} Instead of Hyundai motor finance applying the payment to my account they applied a {$570.00} payment of the {$600.00} I sent them for a payment to something other than my account for a outstanding balance in which I have no knowledge of and then posted {$28.00} to my payment for XXXX Im completely lost as to why they would do that if I gave you {$600.00} to post the payment you do not have the legal right to post it elsewhere. As a young college XXXX I have been negatively affect and impacted by this Hyundai motor finance has brought my credit score down by 50 points. On my XXXX XXXX credit report they are showing a balance of {$15000.00} and a missed payment for XX/XX/2020 On my XXXX credit report They are showing the balance of {$14000.00} with the payment missed in may This is complete and inaccurate information this is a form of deformation of character and intentional infliction of emotional distress and I am in tears typing this. Hyundai motor finance is in direct opposition of following the fair credit reporting act that states all information provided to the credit bureaus must be 100 % accurate and in this case it is not. Hyundai motor finance Has caused me great emotional and mental harm and I am currently suffering from the psychological defects of the unprofessional negligent Demoralizing behavior in which I have been treated. There are tons of car companies to choose from and I put my trust and support in Hyundai financing hands and this is how they treated me.
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| 02/11/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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Kia Motors Finance Acct No. XXXX. 11 months into the lease, vehicle was in accident and was totaled. XXXX XXXX provided coverage Claim No. XXXX. KiaMF sent me letter dated XX/XX/2018 that they would provide settlement amount directly to insurance. On XX/XX/2018 Kia advised XXXX the settlement amount would be {$17000.00}. XXXX XXXX. XXXX issued its check in that amount of XX/XX/2018 that was mailed to Kia and applied to the account. Ins. company, issued check for balance of claim to me. After confirming Kia had received payment, I and XXXX XXXX ( step-daughter ) used proceeds to lease a replacement Kia, also finance by KiaMF. KiaMF apparently reneged on settlement amount and decided it wanted more, refusing to release title to insurance company. By letter dated XX/XX/2018, KiaMF sent a demand letter false claiming that there was an insurance deficiency of {$1900.00} and Primary Insurance Deductible of {$560.00}, even though KiaMF knew the insurance proceeds had ben sufficient to fully pay the claim and that no deductible amount had been applied to reduce the amount of its check. I have written the company by email and had several telephone conferences, including a conference call with my adjuster that the claim had been fully paid. I assert that this claim has been compromised and settled. KiaMF decided to deal directly with my insurance company and exclude me from the settlement process. Because I was not notified that claim had been paid, an additional payment of {$190.00} was paid on XX/XX/2018, over an above settlement amount. When KiaMF stated a settlement amount that it was promptly paid the claim was compromised and settled in full. Subsequently, I clearly advised KiaMF that this balance due was disputed for the reasons stated above. KiaMF has placed negative credit information on both my credit report and that of my step-daughter. Supporting documents attached.
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| 03/15/2017 |
No |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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On XX/XX/2016 my car was repossessed by a private repossession company which was ordered by KIA Motors due to missing payments. I called in KIA Finance on XX/XX/2016 and made a full payment request of {$1300.00} which was charged to VISA card ending XXXX. The amount included the Repossession Fee of {$370.00} for Towing the car.
On XX/XX/2016 I went to the location where my car was towed to pick it up. Since I was already told by KIA that the amount I paid them included the {$370.00} for the towing fee and they had updated the towing service company, I went ahead to pick up my car. Upon arrival I was told by the towing company 's clerk that they had not received payment from KIA and they never receive payments unless by the person actually picking up the car. They said I was unable to pick up my car unless I paid. I went ahead and called KIA, they told me I can go ahead and pay and they would refund me the {$370.00} for towing fee. I paid the clerk at the towing location and took my car home.
For the following days I waited to see a refund from KIA and I never received a call from them. On XX/XX/XXXX my account was up to date with {$0.00} balance.
On XX/XX/2016 I received my invoice with my monthly car lease payment and in addition a {$370.00} that reflect as Miscellaneous Charges. I called KIA FINANCE to see what was going on because I was n't refunded, credited and on top of that they had added another {$370.00} ( I do n't know for what ). I immediately got on the phone with KIA Finance and was told they would remove the charge because it was a mistake and they would refund me the {$370.00} previously charged. The following month my statement arrived with the {$370.00} now added to my monthly lease.
Bottom line I paid money to KIA which never reflected on my account. I paid {$1300.00} and not a single invoice displays them crediting my account for that amount.
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| 07/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Hello, I have been having a nightmare of an experience with my auto lender, Hyundai Motor Finance. On XX/XX/XXXX, my vehicle was totaled by a negligent driver who wasnt paying attention. I had a fairly new car that I had bought in XXXX of XXXX. I was underwater on the loan but thankful That I opted for the GAP coverage the XXXX dealer promoted when purchasing the vehicle. I thought that out of everything, the GAP insurance company would be the most difficult to work with. I was wrong. The gap administrator ( XXXX ) has actually went above and beyond in also reaching out to XXXX XXXX, going so far as to email them 3 times a day asking for assistance, but to no avail. I have contacted XXXX by phone 18 times since XX/XX/XXXX, trying to get 2 payment documents the GAP administrator needs : a full payment history with a running balance and a payoff statement. They straight up refuse to send me these documents and evidently never plan to send them to my GAP administrator either. I have been hung up on. I have been told my account was inaccessible. Its been almost 3 months since the accident and I have gotten absolutely nowhere. In the meantime, I am forced to continue making 2 car payments each month, which I dont have the money for. Not only that but I spend a good amount of time on hold with their customer service every other day trying to get this resolved. Unfortunately I continue to get the runaround with the same canned response & inaction. I have a good credit score and dont want to stop paying where my XXXX goes down but it also makes me sick paying a company that provides such terrible, predatory customer service. Please help. I dont know what else to do and fear I am going to get into financial trouble as a result. I dont want anyone else to go through this horrendous experience.
Lender : Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Please help
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| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This is in regard to incorrect late payment status they have been reporting to several credit bureaus. Ive tried rectifying this matter through them but have been unsuccessful as they continue to incorrectly report the information. Specifically, they continue to report that my final monthly payment on my auto lease was XXXX days past due. This is XXXX XXXX false.
The lease period ended on XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX. All payments for the duration of the term were made through their web portal. For whatever reason they did not process this web portal final payment until XX/XX/XXXX, even though I made the payment in early XX/XX/XXXX. The reason they did this is not knownmaybe their web portal was not operating properly, maybe their staff was unavailable during the holiday season, maybe they simply didnt get to it until the first Monday back after the new year, which conveniently coincided with the lease end date of my vehicle. I also notice on the payment history that the transaction amounts of {$12000.00} was entered on that date as well as a refund AND payment applied of {$290.00}, so clearly someone there was messing with the numbers of payments that coincided with the exact date of me returning the vehicle.
In any case I am requesting they immediately stop reporting that this payment was late to any and all credit bureaus. In the entirety of this loan this account was NEVER XXXX days past due, certainly not the final payment I made in XX/XX/XXXX. I have nevernot once been past due on any credit account I have ever owned.
As you can see from the attachment, they applied the XXXX payment I made in XXXX AFTER the fact on the exact date I turned the car in physically. They dated it the XXXX ( same day ) then did some sort of refund... then added it back on. Someone screwed up and they were trying to get all the $ numbers to line up.
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| 07/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have a XXXX Hyundai XXXX XXXX. I leased the car in New York, and at the end of XXXX I moved to New Jersey. In order to register the vehicle in New Jersey, I need Hyundai Motor Finance to release the lien on the title. Simply, they need to send the title to the DMV so I can register my vehicle in this state.
First attempt was XX/XX/XXXX. They told me it was processing and would be done in 7-10 days.
Called back in XXXX. Same thing. I've since been calling almost every 2 weeks since.
In XXXX, they finally " submitted '' my request. Only to find out in early XXXX that the request to release the title was denied because " the proper sales tax information was not provided ''. This clearly does not make sense, because sales tax was paid at the time of lease signing, and they are the one 's who have the lease in their possession. They are Hyundai Motor Finance.
A representative from Hyundai told me I needed to resolve this as the DMV. I went to the DMV, and they told me this was nonsense. They would never " reject '' a title, it's not possible as title 's are recieved in the mail. They do not even consider sales tax in the recieving of a title.
The DMV then provided me with a form to send to HMF, requesting again for the title release. I faxed and emailed the form to HMF. I called 2 weeks later, and they said it was never received.
Finally I got a " specialist '' on the phone who agreed with me the sales tax denial did not make sense, and they told me they submitted the request again with the proper information. But at this point after 6-7 months, I do not have faith this is being handled correctly.
My New York registration is due to expire on XX/XX/XXXX. I have been waiting 6 months for Hyundai Motor Finance to send the title to my DMV here in New Jersey to register the vehicle. And I am going to have an unregistered vehicle soon because of this.
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| 02/27/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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I leased a car for almost 4 years through Hyundai Motor Finance. 100 % perfect, on time and slightly overpayments ( I round up to the next dollar ) each month. I purchased a new car XXXX months prior to my lease end and the new car company gave me the funds to payoff my lease. I turn in the lease XXXX months in advance in XX/XX/XXXX.. I walk into XXXX to return the lease, speak to the receptionist briefly, a representative comes out takes the keys and says, " thank you, we 'll bill you. '' I 'm like, that 's it? And that was it. I 'm an online bill payer so I 'm checking my online account and it took a couple of weeks maybe for it to update to " this car has been returned. '' About 2 weeks go by and I begin checking my online account every few days or so maybe every week or 2. No bill. No bill in the mail, no amount due showing online just, " this car has been returned. Months go by and still no bill. I do n't even know who to call and check. The next thing I know, It 's been reported to my credit as delinquent. Late fees, bogus charges. My score dropped over XXXX points and all the while the funds to pay this bill, sat in an account, untouched, awaiting a bill I was promised and never received, and from my understanding was Never sent. After almost 4 years of perfect payment history, it was overly depleted in negative reporting in a matter of XXXX months and for absolutely no reason or explanation. According to a representative of Hyundai Motor Finance, the first notice following the return of my lease was sent on XX/XX/XXXX. I spent 40 minutes on the phone ( much of which was on hold ) while this representative, XXXX his heart, was struggling to understand what happened exactly. I 'm still waiting on answers, I need answers, my credit score is in ruins, and I XXXX this endeavor is successful in seeing that this injustice is made right and wiped clean.
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| 11/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I traded in my XXXX Kia XXXX after 5 months of ownership due to me losing around 35 % of my battery life. The vehicle was traded on XX/XX/2023. I work at a Kia dealership so I was able to easily pull the payoff and when I submitted the payoff information, I forgot to turn off my autopay for the car payments. Their automated system said my vehicle was fully Paid off on XX/XX/2023 and on the XXXX of XXXX, Kia took out yet another car payment. I called them and they tried saying that my pay off went up. I asked them multiple time to explain to me how the payoff went up because I never missed a payment and the very first month I made an autopayment they took out 2 months worth of payments. So I was actually a month ahead. Their best explanation of why they took another payment out was because I never turned off my auto pay and even though the vehicle was 100 % paid off they said their system would still be taking out monthly payments until the lease maturity date. They then said they can process a refund for about half of what they took out since the " payoff went up ''. I asked what would have happened if I turned my auto payments off before they took out another payment and they said that they would have been short and would have sent an invoice to the dealership. However, since they already took another payment from me, they said they will just use that money to pay for the difference and refund me the rest. The Kia representatives I spoke with would not let me explain my concern and kept trying to shut me down so I could never get an actual explanation. I have attached a document sent from Kia showing a {$0.00} due balance for the month of XXXX, yet they still took out a payment. I also brought that up to their attention and they would not look into it at all. I think an attorney would classify this as unfair or deceptive acts of practice. ( XXXX )
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| 03/31/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I leased a XXXX XXXX and bought the vehicle at lease-end. The title was held by XXXX XXXX XXXX Trust. I paid for the vehicle in full, plus tax, on XX/XX/2020. The amount I paid in sales tax, {$1300.00}, was clearly added to the payout and documented on the XXXX. First, it took nearly four months and multiple phone calls to get the title sent to me. Included in that mailing was a cover letter, the title, and the bill of sale, which is what I took to the Secretary of State office to get the title transferred. They informed me that this documentation only shows that I paid the tax, it does not verify that the tax was paid by XXXX to the state. The Secretary of State office said I need a " receipted copy '' of the ST-556 with a confirmation number, which verifies tax was paid to the state. After multiple additional phone calls to XXXX, I received a copy of the ST-556 that did not have a confirmation number. I called again and after a long call the customer service rep told me that the Tax Return Number on the XXXX is the confirmation. Another trip to the XXXX of XXXX office ( and more time off work XXXX and they explained this is not the confirmation number and gave me a printed example of exactly what I need. I have since talked with two additional people at XXXX customer service and still dont have the correct documentation to get the title transferred. They are now telling me it can be two weeks, even when escalated. No one has even been able to confirm for me that the tax was actually paid. My current lienholder is demanding proof that the title is in their name yet XXXX is keeping me from transferring the title. It has been almost six months since I paid for this vehicle in good faith. They either didnt pay the tax or are refusing to send me the correct documentation. I have called nine times with no resolution and consider this fraud at this point.
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| 12/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/2020 I used the " payoff your loan '' function when logged into my account with Kia Motor Finance to pay off my auto loan for a XXXX XXXX. The software said I needed to pay {$17000.00} to pay off my loan that day.
I submitted payment for that amount. {$22.00} was applied to outstanding interest and {$17000.00} was applied to the remaining principal balance, leaving a difference of {$18.00} that I was overcharged.
There is no email functionality or chat functionality on the website, only the customer service phone number. I called on XX/XX/XXXX explaining that I used the payoff your loan function, that it overcharged me, and how to get my refund. I was told a check would be cut in 30 days and then take 1-2 weeks to arrive via mail.
It is 121 days later and I have made eight calls to the customer service number. I have been told multiple reasons as to why I still do not have the amount I was overcharged refunded, including that payment processing denied the refund because the account was already paid off. In multiple other instances the service requests are closed/denied with no explanations or agents were told they need to send various emails internally. All of those requests and emails are denied or ignored. I have reached the point where I have spoken to the third tier of customer support ( after being told I can't talk to anyone above the second level for weeks ) and am told the only thing they can do is to continue to send emails to payment processing. They can provide no estimate of when the refund will be processing, only that it should have gone out after 30 days.
I believe that the payoff your loan function of the website is deliberately coded to overcharge customers and that the internal processes for getting your money returned are purposefully designed to fail and stretch out the time for the company to hold onto the funds.
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| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My XXXX car loan was late by 3 weeks. On the XXXX of XXXX they called me about the bill and while on the phone I explained to them I would have the money that Friday night, and could I pay it online. They said yes, absolutely. That Friday night when I went to make the payment, which was still under the 30 day mark by 4 days, I got pop-up message saying one-time payments had been disable for my account and to call the number. I called the number and tried to do an automated payment by phone, but was told by the recording I wasn't able to. And because of the holiday weekend they were not available to take a payment till the following Tuesday. That Monday was the 30th day. I had the money and was willing to ay them, they told me, yes, I would be able to online, and that was a lie. That Tuesday they told me that it was because I missed two automatic withdrawals on the day they came out. They weren't late, but the funds weren't there till a day or so after. Anyway, this is their sort of punishment, they lock people out without telling them, refuse any form of payment except a debit card, and it can only be with a live person for a {$7.00} fee. For 90 days. They failed to tell me all of this when I asked about making that payment, and were more than happy to take my payment that Tuesday and give me a 30-day late notice on my brand new car. My XXXX XXXX had been XXXX, but thanks to them it dropped XXXX points. I realize I was late to begin with, but if they're going to say I CAN make the payment when it's clearly a lie, I feel like that was deceptive, and spiteful, and putting a 30 day late notice on my credit report the very day I was able to pay is just wrong. Also, in the attached screen shot it appears to show up twice on my credit report for one late payment. It looks like two different branches of Hyundai are reporting the same missed payment.
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| 10/15/2019 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Back in XX/XX/2019, I got a call from This business with a man name XXXX on the phone. Calling about debt with Kia for a car I co-signed with my son. He went on to explain to me since I have a current car with Kia, they have offered a deal. A deal of XXXX instead of the full almost XXXX I explain to him I did not have that amount on me. He asked if I could pay 10 % then they would lease XXXX I would only have a balance of XXXX. I did not have the money then. I told him that the day wasn't a good day for me. My father had a XXXX XXXX and XXXX. He went on to tell me how I did not want to look as if I was refusing to pay and then it would hurt my credit. He goes on to offer a monthly payment plan he lowered it to XXXX and once the XXXX another XXXX would be reduced since I'm paying my current Kia account on time. I said ok it would hurt me but once I made the XXXX I'm good and I can then chip away at the XXXX. I requested proof to be mailed to me.
Made XX/XX/XXXX and XX/XX/XXXX payment.
Today XX/XX/XXXX something isn't feeling right to me about the payment plan, other than I have no money after making the payment. I called today and spoke with XXXX ( XXXX is no longer with the company ) she tells me she doesn't see the offer. she does see where the company offered the XXXX but nothing about the XXXX in payments it would reduce it more. That I did not have a set time to pay this amount. XXXX also wanted me to pay with a portion of my tax return. ( I don't even get refunds ). Everything he told me was a lie ; I was thinking about making these payments I could have less debt reporting on my credit report and pay that large amount down. so I stopped paying other debts to take care of these. This is why I don't answer unknown numbers. I feel like he took advantage of me during a time my father was sick and I was there, and me not trying to be rude.
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| 04/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I financed a new car through Hyundai Motor Finance and made our payments every month on time and paid off the car on XX/XX/XXXX. I mistakenly made another payment in the amount of {$620.00} on XX/XX/XXXX. Within a matter of days we realized the mistake and contacted Hyundai Motor Finance to let them know that there was an overpayment of {$620.00}. They told us at the time that they would send an email to the correct department and we should receive reimbursement for the overpayment within 6 weeks. About 7 weeks passed in XX/XX/XXXX and we still had not received the refund and so we called them again. At that time they said there had been an error and we would receive a refund of {$620.00} within 4 weeks. After the 4 weeks passed with no refund we contacted Hyundai Motor Finance again in XXXX of XXXX and they said that it had been denied but there was no reason given and would submit it again. About a month ( XX/XX/XXXX ) passed and we contacted them again and they told us the same thing that it had been submitted and we should receive a refund. After several months my wife and I contacted my bank to dispute the charge. After several weeks the claim was denied because they stated that I needed a letter from Hyundai Motor Finance stating that the car had been overpaid. Today XX/XX/XXXX I called and spoke with a representative with no resolution,. My wife called and was finally able to get a supervisor on the phone. She spoke with XXXX. She told her that none of the emails had ever been responded to and would not send a letter stating there was an overpayment even though the website and bank statements clearly show that there was an overpayment of {$620.00}. I called back and they refused to let me speak with a supervisor and was hung up on. It has been over 7 months and I still have no relief from the {$620.00} that should have been returned.
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| 10/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem extending the lease
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Web |
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I choose to extend my lease & made several attempts calling Kia because I never received the extended lease contract. They have it in their notes. I know this because I was on the phone with one of their reps for an hour on Thursday XX/XX/20 & she told me plus my phone records match. She was very helpful that day trying to get my problem resolved because no previous reps took it seriously. She said she spoke to her supervisor because I'm not able to speak to them. She also said that she made sure to include my previous problems in her notes. I also spoke to the the collection department ( I've never made a late payment or missed one ) but because of this contract my payments were not going towards my loan. I was told that day by the collection dept there was not an order for a tow that it takes a few days after an order goes in & once the contract was signed everything will be ok. My co-signer & I received the contracts on XX/XX/20 we both signed them but my car was still towed that day. I called Kia immediately, he was extremely rude & told me there was nothing he could do & refused to get a supervisor. He even refused to read the notes. He told me to call tomorrow. I did get a much nicer rep & an apology because she read my notes but all her supervisor said was " good news '' we'll release your car but you have to pay {$420.00}. I also had to pay {$15.00} to the sheriff 's dept & {$45.00} to the tow yard. I kept trying to call Kia from to tow yard but they kept hanging up on me once they picked up. This is very frustrating, how can they take advantage of people. We don't have extra money to just give away. Especially during hard times like this. I was told at the tow yard I was not the only one this happened too & reading XXXX today for the first time it's scary how they get away with it. This is unacceptable. They caused me more stress.
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| 06/13/2017 |
No |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XXXX XXXX, XXXX, my husband and I went to XXXX XXXX in XXXX VA to do a trading of a XXXX Elantra that he bought in XXXX XXXX. My husband previously spoke on the phone with the same seller who sold him the Elantra and made him clear That he wanted to have a payment that was not higher than the one he was already doing. My husband decided for a Santa Fe XXXX and when starting with the transaction, the seller told my husband that as his credit score was very low, he did not qualify for financing and I was not working ; Nor could it be done in my name. Then it was decided to make a lease and they asked me to serve as co-signer and they asked me to fill out a sheet to verify my credit. I signed the document although I did not understand much English ( I speak Spanish because I am from PR ) and the transaction was approved. We signed the contract with XXXX XXXX XXXX and signed the documents as Co-signer and left the dealer with the car. After several days, we received a call from XXXX XXXX again to tell us that the contract had gone astray and that we needed to go through the dealer again to sign. When we went, XXXX XXXX told us that there were no changes, that was just signing the same and then I came back to say as Co-signer. To my surprise, a few days later two transactions appeared in my credit history that I had started a purchase of a car in my name. I checked with the dealer and they said no, that only one transaction had been made. Now I have just received a report that the day after the purchase, a credit application was made again at my name for the same vehicle. I started to investigate with Hyundai Finance and it turns out that the dealer put me as the person who was buying a car, and now I appear as de Primary- signer. I will like you to investigate this as a fraud because two weeks later my husband told me he wanted a divorce.
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| 02/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I write with respect to my XXXX Hyundai Elantra and my numerous attempts at receiving a copy of my title. The car was originally a lease, after which, I decided to purchase when the lease ended.
My understanding through your customer service is that your records indicate that the title was delivered on XX/XX/XXXX to my home address. However, I never received it. I have made numerous ( failed ) attempts and countless phone calls with customer service and Hyundai Titles Department to no avail.
Specifically, on XX/XX/XXXX, I sent a request for a duplicate title through the Hyundai Titles Department. Despite sending the mailing to the correct address provided to me by your customer service, the mailing was lost and appeared to have never been received by Hyundai. The tracking for this first request is : XXXX.
After calling countless times regarding my first request, I was told by a customer service manager to send another request, which I did. The tracking for my second request is XXXX. As youll see, my request was delivered to the front desk of the titles department on XX/XX/XXXX and was received by XXXX.
Upon confirmed receipt, I called customer service and they provided me with a case/confirmation number of XXXX, explaining the request is taking longer than usual to be processed and that my request has not been picked up, viewed, or processed by the titles department yet.
As you can imagine, I am at my witts end. I have been dealing with customer service unsuccessfully for three whole months! I have not been able to drive my car during this time, and consequently, I am now facing economic hardship due to the lack of customer service support or assistance from Hyundai, as I have not been able to get to work without my vehicle!
I am beyond frustrated. I have paid for the car in full and have not been able to use my own vehicle.
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| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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CFPB File No. XXXX dated XX/XX/XXXX, has found that Hyundai Capital America knowingly XXXXolated of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing Regulation V, 12 C.F.R.pt. 1022 ( known as the Furnisher Rule ) and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ). As such, a Consent Order was entered against Hyundai Capital America and laid standards by which they are to abide by in relation to redress.
On or about XX/XX/XXXX, I received a redress check from Hyundai Capital America in the amount of {$100.00}, which specifically identified myself as a customer that was harmed by their illegal actions and referenced the CFPB case.
After receiving the redress check, which by the very nature of my receipt of the check, clearly means that I have been wronged by Kia Motors Finance 's actions. I contacted legal counsel, which on XX/XX/XXXX, mailed a letter to Kia Motors Finance directing them to follow through with the directives from the Consent Order, by removing the derogatory information from all 3 credit bureaus, which is still negatively affecting my credit.
Rather than Kia Motor Finance making the necessary retractions/corrections, after receiving the attorney 's XX/XX/XXXX letter, Kia Motor Finance has restarted the erroneous reporting, which is again in direct violation of the Consent Order. As of today, XX/XX/XXXX Kia Motors Finance has began to actively report erroneously, derogatory information to all 3 credit bureaus. And they sent me a letter on XX/XX/XXXX, stating that the information they are reporting is correct and completely ignored the presence of the Consent Order or the redress check that they mailed me.
CFPB File No. XXXX continues to be violated by Hyundai Capital America, Kia Motors Finance, which is negatively effecting my credit.
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| 03/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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To be clear to start, the issue is that I could not get anyone on the phone to understand that the material misrepresentation about payment posting on the website was something that needed to be addressed. Their process to resolve my misapplied payment makes no sense, but it did get fixed after speaking with the company.
The Hyundai Finance website states that overpayments will be applied to principal once the current bill and any outstanding bills/fees are satisfied. It lists a slightly different posting order for payments under or over {$2500.00}, but both sections state that overpayment will be applied to principal directly.
I made my first payment on XX/XX/XXXX, before the due date of XX/XX/XXXX. I called on XX/XX/XXXX to ask why the excess had been applied to my following bill instead of principal. The final response I got from my first call was that excess payment is in fact applied to principal and that that is what happened with my payment.
This did not seem right as I could see that my following bill had been reduced by the extra amount, so it appeared it had not been applied to principal. I called back to verify and the second person I spoke with informed me of the actual policy ( that overpayments on sums under {$2500.00} are NOT applied to principal unless you make a payment then call back two days later to have it reversed and reapplied to principal. ) I tried to inform him that the only available place that I could find in my loan documents or the website stated a different posting method, ( one that is clearly more beneficial to the borrower 's interest paid, ) and he could only " apologize for the incomplete information on the website. '' That is not " incomplete information, '' that is a material misrepresentation that causes the borrower to pay more interest than the posting method stated on their website.
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I leased a new vehicle from Hyundai Capital Finance at the beginning of XXXX. I decided to buy out the lease using a combination of cash and a new loan from my credit union.
I made a cash payment on XX/XX/XXXX. I waited for that payment to post and then generated a buyout quote on XX/XX/XXXX, which was good until XX/XX/XXXX in the amount of {$43000.00}.
I sent a check from my credit union in that exact amount along with all the other required paperwork. It was received and posted on XX/XX/XXXX.
I waited for the lease to be closed, but a week later it was now showing a buyout balance of {$350.00}. I immediately called customer service to ask why there was now an additional balance despite me submitting the full amount. I was told that this was not correct and that they could see that I had paid the full amount in the buyout letter.
I talked to customer service several times over several weeks. Each time they claimed to be escalating the complaint and that someone would correct the error and close out the lease. No one ever contacted me or explained why I was being asked to pay more than the buyout quote.
At some point in XXXX, an additional {$350.00} was added to the balance, bringing it to a total of {$700.00}. When I called again, I was told that if I paid the original additional {$350.00}, the lease would be closed. Exasperated, I made the payment and waited for the lease to be closed. This still didn't happen.
When I called back AGAIN, I got a very aggressive supervisor who said I owed the full amount and that was is. She put me on hold to " look into it '' and then disconnected the call.
I gave up and paid the additional {$350.00} and now the lease has been closed.
I have never received an explanation why my original buyout was not honored, or why {$350.00} was added weeks after I had made the buyout payment.
|
| 10/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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On XX/XX/2019 we submitted a {$1000.00} payment online to Kia Motor Finance to be applied directly to the principal of our car loan. As per the policy of the Kia finance company, we waited several business days to allow the withdrawal to clear the bank and called Kia Motor Finance on XX/XX/2019 to request for the payment to be applied to principal. Kia Motor Finance could not confirm the receipt of the payment. We waited several more business days and called Kia again on XX/XX/2019 and XX/XX/2019, both times without resolution of the issue. On XX/XX/2019, the Kia representative confirmed Kia had received our {$1000.00} payment and he could not understand why it was not reflected in our payment history. He promised to follow-up with the payment processing department to request for them to manually fix the payment.
On XX/XX/2019 we submitted another payment online of {$3000.00} which was reflected correctly on the Kia website. On XX/XX/2019 I called to request for this {$3000.00} to be applied toward principal and this was performed. I was told this should be completed in 2-3 business days.
During the XX/XX/2019 phone call I again inquired about the {$1000.00} payment which has still not been reflected on our loan amount. The representative confirmed the same thing as on XX/XX/2019 and said she would send an email to the payment processing center which would take another 3-5 business days to resolve. I pressed her to have this issue resolved today as Kia Motor Finance has been holding {$1000.00} of our money for 23 days without applying it toward our car payment ( which, incidentally, continues to accrue interest on a higher amount since our payment was not applied ). The representative refused to address this issue today, again saying it would take another 3-5 business days despite all of our efforts to already resolve this.
|
| 09/26/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
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Web |
|
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We had a lease with Hyundai Motor Finance ( HMF ) for a XXXX XXXX, due to mature on XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received an e-mail from HMF with an offer to have the last XXXX payments waived if we sign the lease for a new Hyundai. I triple checked the fine print and I saw that we were fully qualified. The program was supposed to end on XXXX XXXX, XXXX. We signed a new lease for a XXXX XXXX on XXXX XXXX, XXXX. In XXXX XXXX I got a letter from HMF stating that we owe them the 3 payments remaining from the XXXX, for a total of {$910.00}. ( So, even if I leased a new Huyndai, they asked payments for the old one ). Since then I called HMF 6 times. In XXXX, XXXX ( from HMF ) stated that the program ended on XXXX XXXX and that is not their fault that I did n't know and that I still owe them the money. I did n't receive any e-mail with such information, nor the dealers told me anything when I signed the new lease. On the other hand, they told me that everything will be fine. On XXXX I spoke with a person named XXXX from HMF End-lease and she stated that if the dealership will ask them for an exception, then it will be approved and everything will be fine because the whole situation is absurd. It was n't, I do n't know if the dealer called or not, but on XXXX I saw late fees on my account. I called back on XXXX and this time XXXX promised me that she will personally escalate the situation and that she will call me back in 2-3 hours with a resolution. She also stated that there is no record from the dealership about any exception.
I am attaching the original e-mail with Pull-ahead program AND the conversation I have with the general manager from the dealership ( it seems that when I signed the lease on XXXX, they were fully aware that the program was modified and that it had an early ending, but they did n't let us know ).
|
| 04/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I have been trying to get Hyundai Motor Finance to complete a state title transfer from XXXX to XXXX since XXXX. When I originally called in, they had me create a state title transfer request on their website. While the site said 6 to 8 weeks, I grew increasingly concerned, as my request continued to sit in the first state of review.
When I called in XXXX, the representative told me the request I sent had actually got deleted and was never processed. They also told me I would have to start the process over on my end and submit a new request, which I couldn't do, as the original request was still visible on the site and there was no option to create an additional one.
I call back again in XXXX. This time, I was told that they had actually sent me title out two weeks prior, and I should have received it. I hadn't though, so they said they would ship out a new one.
I call back in XXXX. This time, I'm told that the person in XXXX must have been mistaken, because the title gets shipped to the DMV and not me. They said they had yet to send it to the DMV but would do so immediately. I also asked at this point in time if they could possibly create an email thread showing the actions they had taken to resolve my transfer. The representative on the phone said they would, but I never received anything.
I still don't have my title. I'm unable to register my car in my new state. My inspection has also lapsed from my old state, but I can't get that renewed as my license and insurance is from my new state.
Hyundai Motor Finance 's representatives have lied to me throughout the process. I have no clue if my transfer has even been started. I also have no idea where it will be going to or how I would know if the process has been finished, as they've been unwilling to document any of our conversations or actions taken on their end.
|
| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
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Web |
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I have a finance lease with Hyundai. For the last two months Hyundai have been adding fees to my monthly payment, which is suppose to be $ XXXX Monthly Payments with 0 % apr and 0 % fees. My monthly payment is always slated for XXXX of every month.
The month of XXXX Hyundai added additional {$35.00} to my account without any explanation. As at the month of XXXX I had outstanding total balance of {$880.00} from the month of XXXX with the money payment of {$480.00} for the month of XXXX, which brings my total payment bal for the month of XXXX to {$1300.00}. I paid {$500.00} on the XXXXXXXX XXXX XXXXXXXX, which bring my bal down to {$870.00} for the month of XXXX.
But, Hyundai did not send me the accurate amount, they added additional {$35.00} to my statement account. The payment of {$910.00} was stipulated on my account for XXXX instead of {$870.00}.
It did not stopped there, I made payment of {$500.00} on the first of XXXX and made another payment of {$100.00} on the XXXXXXXX XXXX XXXXXXXX, which reduced my account bal to {$810.00} as at XX/XX/2023. To my surprise this morning, they sent statement of {$1300.00} instead of {$810.00} + XXXX monthly payment for XXXX equals {$1200.00}.
To note this has been normal financial services misappropriation for Hyundai finance and I hope this could be litigated and fine the company of rubbing their loyal customer against the consumer finance law.
This have been an act of corporate fraud and abused taking from loyal customers, as this is not the first time I will report Hyundai finance of misappropriation and going against their policies and contracts.
If Hyundai keep additional invisible bills to their customers accounts, when shall we meet up with the bal payment?
I received confirmation for all the transactions, which I have included the paper trail as evidence below.
|
| 02/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I leased a XXXX Kia forte GT Line in XXXX of XXXX, I liked the car enough to decide to buy it out, so I paid off the car on XX/XX/XXXX and NEVER received the title. So I called customer service to have them explain why I didn't receive my title, The C/S Rep. informed me that Title was sent on XX/XX/XXXX by first class mail, And I should get it within 3-5 business days, after 10 days I called them again, and I asked what address they sent my title to, I found out that they sent it to a wrong address that doesnt even exist! Then I requested a lease release form and a bill of sale to at least generate a duplicate title from the motor vehicle, They said it would take 5-10 business days to receive it, and again I never got it. I contacted Kia consumer affairs and opened a case on XX/XX/XXXX to have them do a duplicate title request and NO ONE HAS CONTACTED ME. I then opened a second case on XX/XX/XXXX to create another duplicate title request and was informed they would respond and nobody has contacted me. They finally sent me a lease release form on XX/XX/XXXX, and when I went to the XXXX to create a duplicate title myself I was informed I could not create a duplicate without the authorization of Kia Motors Finance. I called customer service again and was assigned a case manager named XXXX XXXX he promised me that I would receive an authorization form by the end of the week, but it never came. I called XXXX XXXX and he promised he would get it to me within 5 business days he informed me that in the meantime he has canceled the duplicate title request, but then he realized that was a mistake and he created another duplicate title request. I have contacted XXXX XXXX multiple times since and he has never picked up my calls again. This is ridiculous, I need to register my vehicle under my name, but I don't have documents from Kia.
|
| 12/15/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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In late XX/XX/2021, I was notified that I had a delinquency on my credit, and my credit score dropped XXXX points. After reviewing my lines of credit, I saw that there was a Hyundai line of credit showing the delinquency. The balance of the line of credit was {$12000.00} I contacted Hyundai Motor Finance to discover that there was a Lease on in my name. I was trying to inform them that this was a fraudulent account, and that I knew the person that signed this lease fraudulently, but was receiving no help from them. I was getting cycled around through their phone lines when finally I got redirected to the Finance Department for a third time. This time though, I requested a copy of the Motor Vehicle Lease Agreement so that I could see the signatures on the paperwork. After a couple of days I received it. After reviewing the paperwork, I discovered that the signature on it was in fact forged. The vehicle was leased in Arizona. I currently reside in Washington state and have not been to or visited Arizona. I called the person that forged my signature, who currently resides in Arizona, and she eventually admitted to commiting the forgery/identify theft to me over the phone. I continued to try and contact Hyundai, after now knowing for a fact what happened. But I was harassed by them. They did not listen to my concerns, and was insinuating that I was experiencing " buyers remorse. '' I continued to adamantly state that I did not sign or consent to this sale. I have been trying to work with the Hyundai Motor Finance Director, trying to get information on their investigation, while also providing them copies of the police report I filed. Also trying to figure out how they can proceed with repossessing the vehicle from the perpetrator since she is still in possession of it, but now they are ignoring my attempts to contact them.
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| 09/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Hello : I have experienced a number of problems with Hyundai Finance. Sometime in XX/XX/XXXX, I leased a vehicle from a XXXX dealer in XXXX, Florida and financed the lease through Hyundai Finance.
When the COVID-19 pandemic occurred, I was impacted financially. Immediately, I informed Hyundai Finance and was told I was on a Deferment Program. After XX/XX/XXXX, it became almost impossible to get in contact with anyone in Hyundai Finance because Hyundai Finance has a recorded message that states " customer service is unable to take your call due to an overwhelming amount of calls received due to the COVID-19 pandemic. '' For that reason, I was unable to get in contact with anyone prior to the payment due date.
Today I learn that I have three late fees assessed totally {$54.00} to my account as follows : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was told by a customer service representative today, that the reason for my late fees are being charged because I paid the monthly installments late ( past the 10 day grace payment period ). However, I checked my records and note that Hyundai Finance payment information is incorrect. I confirmation number of my payments being made within 6 days from my payment grace period. The XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number is XXXX ) and the XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number XXXX ). I explained this situation to the Hyundai Finance Supervisor, XXXX XXXX, and despite the evidence of payments and payment due dates, I was told that there isn't anything Hyundai Finance can do to correct it and that I have to pay the late fees even if its THEIR system error.
It is evident that this is consumer FRAUD and its deceptive practice. I request that a complaint and investigation be initiated and corrected as soon as possible.
Thank you.
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| 07/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Email : XXXX, XXXX Date Of Birth XX/XX/1985 Phone Number XXXX XXXX XXXX ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Current ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( previous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( previous ) Subject : Dispute Kia Finance America from my credit report, Amount XXXX based on the following errors against state law. ( EVIDENCE ATTACHED ) Count 1.Notification Error ; Kia Finance America sent the written notifications of repossession and auction to the wrong/unrelated address aganist the state Law.I WAS NOT NOTIFIED WHEN MY STORED VEHICLE REPOSSESSED AND AUCTIONED Applicable Law Per NRS 482.516 '' Any provision in any security agreement for the sale or lease of a vehicle to the contrary notwithstanding, at least 10 days 's written notice of intent to sell or again lease a repossessed vehicle must be given to all persons liable on the security agreement. The notice must be given in person or sent by mail directed to the address of the persons shown on the security agreement unless such persons have notified the holder in writing of a different address ''.
Count 2, Kia Finance America never gave notice of intended disposition of the vehicle as required by NRS 104.9614, NRS 482.516 ( 1 ) and ( 2 ), and is, therefore, precluded from the recovery of any deficiency by NRS 482.516 ( 3 ), providing in pertinent part that plaintiff is liable for any deficiency after the sale of the repossessed vehicle only if the notice prescribed by this section is given within 60 days of repossession. It is kia Motors ' fault for not giving/sending the disposition of the vehicle as required by the law.
I politely request to investigate my claim based on my attached evidence and delete from my report.
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| 10/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
|
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Respected Sir/Madam, I am facing problems with my lending company, i.e Hyundai Motor Finance, who is not treating me fairly.
In a nutshell, I paid a tax of {$350.00} ( within 30 days of receiving the bill ), where my liability was just {$59.00}.
The lending company is not issuing me any refund for taxes, and they are not correcting my credit report which has a negative remark of account due for 120+ days.
In XX/XX/XXXX, The lending company received property tax bill of {$350.00} from my county ( XXXX, CT ) from XX/XX/XXXX - XX/XX/XXXX.
I had already returned my vehicle on XXXX XXXX, therefore the assessment needed a correction. When I contacted the tax assessor of my town, officer mentioned that my liability would only be {$59.00}, but the leasing company should contact the office and get it corrected, because their office bills the leasing company directly, in case of leased vehicles.
Even though I made the complete payment of {$350.00} to my leasing company on XX/XX/XXXX, in approximately 30 days from receipt of tax bill, the leasing company reported a negative remark on my credit report stating that the account is due for more than 120 days.
When I contacted Hyundai motor finance, on XX/XX/XXXX, they mentioned that they will correct my credit report by removing allegedly late payment but they never did.
They also told me that they will request my town 's tax collector and initiate a tax abatement process, but they never did and I did not get any response to my 2 emails, trying to inquire about my tax abatement status.
Please help me in this matter, I am attaching my tax assessor email, that describes that my liability is only {$59.00}. I am also attaching the screenshot of the negative remark on my credit report, due to this tax bill.
Account number with hyundayi motor finance : XXXX Thanks, XXXX
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| 10/02/2019 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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The company I'm addressing is ( Kia Motors Finance ) On XX/XX/XXXX my XXXX XXXX XXXX engine shutdown as I was driving on the freeway.I didn't have any warning light such as the engine light come on it just started knocking and shut off. I had myself and my daughter in the car. The next day I had my car towed to downtown Kia in XXXX XXXX there was a recall on my vehicle that had to do with the catalytic converter which it states in the recall can cause engine failure Kia has various class action suits against them for this issue they kept my car for a little bit over a month they refused to fix it because they stated I didn't have proof of Maintenance receipts which I did show them what I had they didn't accept those then they tried to give me a deal stating they will take XXXX off repair of engie ... the engine cost {$6000.00} they tried to do this secretly via text after they said they weren't going to fix it. They stated the pictures that were taken of my vehicle they found sludge but refused to show me. I was unable to work for XXXX months I ended up having to get my car back from them and get it towed elsewhere because they threatened to start charging me storage fees. After about XXXX weeks my car was repossessed and now I have it on my credit report. They also did not fix the recall on the vehicle they did nothing for 2 months and now they sent me a letter stating that they're going to sell my vehicle I was going to trade my vehicle in however they put the full price of the XXXX XXXX XXXX on top of whatever the new vehicle was so I declined. I believe there was contractual fraudulent activity along with poor service. This situation created an extreme hardship for my family and I because I wasn't able to work even though my husband does we have XXXX kids and it cost us to almost be evicted during that time.
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| 10/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I initially financed my XXXX XXXX XXXX through Hyundai Motor Finance. In XX/XX/2021, I decided to refinance with my current credit union. My credit union paid off Hyundai 's loan on XXXX XX/XX/2021. It is now XXXX XX/XX/2021 and the Hyundai is still reflected as lienholder. I called Hyundai several times in XXXX, several times in XXXX, XXXX XXXX, and again on XXXX XXXX. When I called in XXXX, I was told that they'd send a message to the title department to release the title. I explained that this is Florida, and they have to electronically release the lien. I was told it would take 3-5 days each time I called. My credit union even three way called Hyundai in XXXX to explain the process. They advised Hyundai that it should only take 24-48 hours to do this, and again, we were promised it would be done. On the calls in XXXX and XXXX, I asked to speak with a manager, who told me the same exact things. I was promised it would get done. On XXXX XXXX, I spoke with a rude " manager '' who tried to tell me how it work, saying they just have to send a release in the mail. And when I visited the DMV today, they told me that is NOT how it works. They HAVE to call the state of Florida to release themselves as lienholder and there is nothing anybody can do until that is done. I called Hyundai again today, XXXX XXXX, after my DMV visit and the manager was never available to speak with me. The representative kept saying she would send another release in the mail to my credit union but this isn't what needs to be done. I only need someone to release the title electronically since it is the state of Florida. Meanwhile, I continue to receive notifications from my current credit union because they haven't received a title yet. It is frustrating and shouldn't take this long for something that literally should only take 24 hours.
|
| 01/13/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
Older American |
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In XX/XX/2016 I entered into a contract to lease a new vehicle. I was informed by the finance Mgr at a meeting at the dealership that i would receive payment information from Kia finance in the mail. After several weeks of not hearing anything i returned to the Dealership and asked the Finance Mgr about the lack of info on the lease payments. His response was " do n't worry they will send the info ''. after several more weeks i again returned to the dealership and again inquired about the lack of info on the payments. Again i was told by the Mgr that sometimes it takes awhile and not to worry.
A few weeks later I received a statement informing me that i was in arrears and they wanted two months payment and added a late charge of XXXX which they continue to do monthly I called the finance Co. ( XXXX ) and spoke with their Rep. I was informed that the charges were justified and i had to pay. When questioned about the lack of information necessary to make the payment they informed me that the dealership probably did n't submit the paperwork in a timely manor.
From the day I received the first statement i have scheduled my bill pay service to pay the original amount of {$450.00} on the XXXX of the month which was and continues to be one day before being late.
However, KIA finance company then takes my payment and applies it to what they consider a late payment making my payment short of the {$450.00} required and adding another late fee.
I have made at least 4 calls to Kia Finance including speaking with supervisors to try to work this situation out only to be told to pay up. I have made every payment in a timely manor and will continue to do so.I have tried several calls to the dealership Finance Mgr and have been ignored and at this point do not know where to turn and am asking for your help in this matter
|
| 02/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
A check for the pay-off amount was sent to Hyundai Motor Finance on XX/XX/XXXX, it was received by the company on XX/XX/XXXX and the funds were posted on XX/XX/XXXX. I called on XX/XX/XXXX to determine how long it would take for the payment to be reflected. I was advised the check could not be located. I confirmed with my financial institution the funds were released and the payment was processed by Hyundai Motor Finance. I continued to call every week at least 2 times a week for the next 2 weeks but each time I was told the check could not be located. On XX/XX/XXXX, I was told by Hyundai to file a missing payment request by fax. I went to XXXX XXXX and faxed a statement of the situation along with the front and back of the processed check. XXXX XXXX then noticed that the account number on the draft did not match my account number. I was told by Hyundai to wait 2-3 business days for the fax to be reviewed. On XX/XX/XXXX I called with a XXXX XXXX agent on the line with me. We were told that the check was located and that the situation was being researched and to wait 3-5 business days. When I called back on XX/XX/XXXX I was placed on hold for over an hour so I called back on XX/XX/XXXX. I was then told that there was not update on the missing payment and that my account was now past due and incurring late charges. When calling on XX/XX/XXXX, I was then told to wait an additional 3-5 business days for the research to be completed. Each time that I call the company I am placed on extremely long hold periods and then after waiting the line disconnects. This entire time period I am carrying 2 loans for the same vehicle and it is impacting my credit. I am not getting any assistance from Hyundai to resolve this issue and I am at a loss on how to get this resolved before it begins to severely impact my credit.
|
| 03/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I entered into a 3 year lease agreement with Hyundai Motor Finance on XX/XX/XXXX for a 2016 XXXX XXXX. At the end of my lease term in XX/XX/XXXX, I turned my vehicle back into a Hyundai location. Hyundai did not allow me to pay my termination fee at that time and said they would send a bill. Hyundai also refused to allow me to make this payment through their online portal. Upon receiving a bill of {$790.00} from Hyundai in XX/XX/XXXX for my termination fee plus excess wear and tear costs, I mailed a check to Hyundai on XX/XX/XXXX. Hyundai waited to cash my check for another 4 weeks on XX/XX/XXXX. Hyundai also converted the check to an electronic check so I can not show an image of it with the date XX/XX/XXXX written on it.Then another month passed with no additional communication from Hyundai and my account showing as paid off in full and closed. Then on XX/XX/XXXX I received an alert from my credit monitoring agencies saying that Hyundai Motor Finance had reported my account as more than 30 days past due and delinquent on my account. I have reached out to the credit reporting agencies and Hyundai multiple times and they have updated the status of my account to closed but have refused to remove my 30 days past due designation. I filed reports with Hyundai and the credit reporting agencies both in XXXX of XXXX and again in XXXX of XXXX. Hyundai has reported back to me on XX/XX/XXXX saying they believe the credit reports are accurate with the 30-59 days late status on my report. I believe that I have acted in good faith and made all of my payments on time and in accordance with the agreement that we laid out. I ask please that the CFPB ask Hyundia Motor Finance and the credit reporting agencies to please update my credit report to remove the delinquency from my account and the 30-59 days past due status.
|
| 04/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I co-sign on a loan with KIA Finance for my son. They initially started off with misrepresentation by telling me if I cosigned for my son for 6 months they would be able to take me off the loan. Later I found out that they could n't take me off and he would have to find someone to refinance the car in his name only. Now over a year later, I contacted my son so he could make a payment of {$310.00} by XXXX/XXXX/XXXX so my credit would not be messed up. I got the amount off of their website in the amount due column. Today I notice that the {$310.00} was paid but it was still showing us {$78.00} past due. It appears they took the {$78.00} out and applied it to a nsf charge that was done on XXXX and another nsf charge that was paid on XXXX/XXXX/XXXX. One of the agents said that whoever put the payment in put it in incorrectly and they can not apply part of the reg payment to nsf charges. I also asked if he owed these charges why did n't they take it out of the payment when he over paid in XXXX and XXXX. I asked if they could reverse the payment so that it will not show past due and they said they could not. They are giving me a credit for {$30.00} and I do appreciate that but it still does not help with the affect this will have on my credit. They told me that they could apply the funds paid any way they wanted to. I explained to them that one of the charges did n't occur until the XXXX of XXXX so we would not have had knowledge of this until the next statement was issued and the other charge should have been took care from the overpayments in XXXX and XXXX. Right now I am trying to get the {$47.00} up so my credit will not have any negative marks on it. I am totally confused at Kia 's misleading business habits. It is very upsetting to pay what their website asked for and find out the funds was mishandled.
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
Please see attached documentation to Hyundai. In summary, I paid for a lease in full when first receiving the vehicle, therefore I had zero payments for 3 years. When I turned in the vehicle, the representative said that I did NOT owe anything else. Then, 9 months later, I received a letter from Hyundai saying that I owed a turn-in fee because I did not get a new Hyundai when turning in the lease. I promptly contacted Hyundai and explained that I was not offered that option, but more importantly, the fee was already paid and clearly itemized on the initial lease agreement. They refused to acknowledge this, so I asked to speak to a supervisor to further resolve the issue- the representative refused to allow me to speak to a supervisor. Therefore, as a last option to clear the record, I submitted a dispute through the credit reporting agencies. They simply asked Hyundai to confirm the accuracy, as they of course did. So the credit agencies did not take any further action and allowed Hyundai to continue adding derogatory remarks to my credit file.
I have decades of immaculate credit history with zero blemishes aside from this one. So this is not a case of the consumer making excuses- I am very good with credit. This is an issue of a company taking advantage of the consumer, and I suspect it is to squeeze more money out of the consumer to help Hyundai through the losses experienced during the pandemic.
But perhaps the biggest crime here is that the credit agencies only take the word of the creditor and give no consideration to my word ( backed-up with a clean XXXX credit score ) and a lease agreement as documentation. As a consumer, I am helpless against Hyundai destroying my credit score. This is causing me damage when trying to refinance my home at a lower rate and also secure financing for my XXXX.
|
| 02/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Please find the following two letters I wrote to Hyundai Motor Finance below : 1 ) Please contact credit bureaus to have Hyundai be removed from my credit. I spoke with XXXX in your office on XX/XX/XXXX. She told me to send documentation along with this note. Please find documentation included with this note needed to remove Hyundai from my credit report. Documentation included : are XXXX XXXX XXXX and Payment History. - Lease was extended beyond maturity date - I was awaiting confirmation from Hyundai that it would be OK - Once I received approval I made payment ( s ) within 30 days, which can not be reported to Bureaus or negatively impact someones credit 2 ) To whom it may concern, While applying for a home mortgage this year, I was informed that I had something on my credit report from Hyundai. I called Hyundai after finding this out, not knowing what it was in regards to. Hyundai told me over the phone that they did not know either and that they would contact the credit dispute department to request it be removed. I recently followed back up with Hyundai, because I never heard back. I explained to them that I had an auto lease that expired in XXXX. I returned the vehicle with no issues or any payments still to be made. I followed up with a phone call to Hyundai to confirm this and was told everything was fine. Come to find out recently, I was told that there was a late payment on my previous account and that was reported to the credit bureaus. I was never notified of this. Then, after returning the vehicle back in - I was told everything was all set, which was in fact not true. I am writing to request that you please contact the credit bureaus and have Hyundai remove this from my credit. I would appreciate a follow-up response to this request as soon as possible. ( Disputing Amount is {$370.00} )
|
| 08/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Kia Motor Finance mailed checks refunding to me three of my on-time payments and then falsely reported me to credit agencies as having made late payments.
I mailed to Kia an official dispute ( see attached ), and rather than correcting their error, they denied my dispute ( see attached ).
Kia changed my account number without explanation or reasonable notification. Kia did not notify me that they would reject payments to the old number. Kia included with the refund checks no explanation as to why they were sent. Kia did not simply forward my payments through their accounting system to the new account number.
Kia 's telephone support personnel repeatedly asked me if I had traded in my vehicle or initiated some kind of change, and I informed them I had made no change whatsoever. They commented that such a change in account number is unusual. The fact that they all regarded the change as unusual, after having had a great deal of difficulty even identifying their changed number as the cause of the problem, highlights that Kia caused the problem.
If a problem occurs, and Kia is even SLIGHTLY at fault, I would hope they would not blame me. While I wish I had detected the changed number on the bills and intervened to change the apparently crucial account check memo number on my XXXX XXXX XXXX electronic check payment, in this situation, Kia was not slightly at fault, but LARGELY at fault.
Even if the fault is debatable, it gains Kia nothing by refusing to retract their adverse credit agency reporting against me, and may lose me as a customer forever. In spite of being repeatedly told by their phone representatives Kia would waive late charges, late charges are still appearing on my bill.
See attached documents for dates, addresses, and evidence from Kia 's own web site for received payment dates.
|
| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/XXXX I went to KIA of XXXX, CA at XXXX XXXX XXXX, XXXX, CA XXXX, phone # XXXX and spoke to the General Manager XXXX XXXX XXXX who approved the purchase of the new XXXX KIA XXXX. I was asking him to trade/upgrade in my leased XXXX KIA XXXX Vin # XXXX, License plate # XXXX but he refused to do that stating the mileage was high at XXXX miles at the time. The XXXX XXXX of the vehicle was about $ XXXX in excellent condition and no mechanical issues. Normally the trade/upgrade should have been allowed especially that I purchased the new KIA XXXX from their dealership. However, the sale of the XXXX KIA XXXX XXXX # XXXX, License plate # XXXX was a PURCHASED Vehicle that was approved. I noticed on my car loan application for the XXXX KIA XXXX that the income stated was {$7100.00} but that was incorrect therefore the adjustment was made in order to qualify for the car loan. My current income is approximately $ XXXX {$3000.00} per month, It appears that XXXX KIA wanted me to have 2 car payments that I can not definitely afford!
On XX/XX/XXXX, I contacted KIA Finance America and reported I will surrender the XXXX KIA XXXX vehicle to the KIA of XXXX. The KIA Finance said it was acceptable to return the vehicle at the said location. The transaction was completed and well documented and pictures taken as well.
I am respectfully requesting that KIA Finance America RELEASE me from any FINANCIAL LIABILITIES and FEES from KIA Finance America.for the XXXX KIA XXXX, KIA Finance XXXX XXXX XXXX, XXXX XXXX, CA XXXX just sent me a statement KIA Finance America is currently charging me $ XXXX the XXXX KIA XXXX.
I am a rideshare driver from the XXXX XXXX, California and work long hours in dangerous conditions but have to do so to earn income to support my family.
Thank you for your kind attention to this matter.
|
| 08/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased a XXXX XXXX XXXX and returned it at lease end. I did the lease-end inspection prior to returning the vehicle to Hyundai. I paid all of the lease installments with no problems.
One day I received credit alerts from my XXXX XXXX " credit-wise ''. I looked it up and found out that Hyundai-finance reported that I was 30 days late on my lease-end bill which I never received and only heard about it through the credit bureau reporting. I know that there is a bill that will come any day but never received one.
The day I heard about the late filing I searched my email and did not see any Hyundai emails. I went to my account online to see if there is a bill but there are no bills/invoices listed at all. Attached is a screenshot from my account.
By the way, my account is still showing an old bill from XX/XX/XXXX that was paid on time. See the attached payment record.
I called Hyundai immediately and paid the invoice in full. I asked if they can adjust the negative reporting but they said I have to mail them a request. I mailed my request to the Hyundai dispute department on XX/XX/XXXX but never heard back from them.
I went on my XXXX account and disputed the negative reporting but never heard back from Hyundai.
Today, I see that they added a 60 days late payment into my credit report.
My question to Hyundai is, how come I never received a bill from you or your collection department and now I am late in payments that I've never been late on?
I believe it is my right as a consumer to be given an invoice with billing date and due date.
Attached are *Account details screenshot.
*Account payment proof for the payment still showing on the account which is dated XX/XX/XXXX.
XXXX A letter that I sent to Hyundai credit dispute department * A letter from Hyundai showing the account paid in full.
|
| 11/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
In XXXX was leasing a XXXX XXXX XXXX XXXX XXXX. On XXXX, XXXX I made a lease payment of {$3300.00} which posted to my account. The intent was to pre-pay 6 months of payments, XX/XX/XXXX I was contacted by XXXX XXXX a salesman at the Hyundai dealership located in XXXX XXXX, Minnesota offering to get me out of my lease on a XXXX XXXX XXXX XXXX XXXX and replacing my vehicle with a XXXX XXXX under a new finance offer of 0 % financing and 3 months deferred payments. I clearly understood the terms. On XX/XX/XXXX I agreed to the terminating the lease and purchasing and financing of the XXXX XXXX. The XXXX XXXX XXXX dealership said I needed to talk with Hyundai Finance USA in regards to the refund of my {$3300.00}. It took until XX/XX/XXXX for XXXX XXXX XXXX account to reflect a closed account. I was told by the finance service rep that the refund and a monthly payment refund should be processed " soon ''. As of today, XX/XX/XXXX. I have talked to 7 finance representatives, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. All of these reps made notes in my file. I know this because I would insist they read them while I was on the phone with them.
Some of them said they were a supervisor only to be told that they would send an email to the finance department in regards to my account. They were all very thorough but said the email was all they could do. I've asked to talk to someone in finance but they said emails from the rep was the only way to communicate with that department. As of XXXX XXXX XXXX, the rep quoted from the notes in my account that I am still owed {$550.00} plus {$2100.00} a total of {$2700.00}.
I really need this money to make the future payments on the XXXX XXXX. I thought this would be an unquestioned situation.
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
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I turned in my XXXX XXXX lease in XXXX of XXXX. I made all my payments on time and never received any additional bills. I was recently notified by my credit monitoring agency that Hyundai was reporting negative information, claiming I owed them money and that I was late on a payment. I called and I was told I didn't owe anything and to just send a letter to their credit department to have it fixed. The credit department sent me a letter saying the information was accurate and they wouldn't fix it. I called again and this time I was told I did owe money. They never told me what I I owed for, but I paid it over the phone anyway. They told me the bill was sent to an old address in XXXX or XXXX. I had moved over a year prior, so the bill was never sent to me and my mail forwarding had ended. Hyundai had my new address. My current lease is through the same finance company and Hyundai has been sending me advertisements for their new vehicles. However, the bill was sent to the old address. They are continuing to report that I was late on my payment, even though I still have not received a bill. I filed a dispute again with their credit dispute department and they are just saying that the information is accurate as reported and that I was late on my bill. A bill that they acknowledge they sent to the wrong address over a year after I moved and over a year after I turned in the vehicle. They never gave me the opportunity to pay on time. I never received the bill. If they hadn't take over a year to send the bill, the post office would have forwarded it to my new address and I would have paid on time. If they sent the bill to the correct address, I would have paid on time. Can you assist me in dealing with Hyundai Motor Finance in order to fix the damaging information they have sent to the credit bureau?
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| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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On XXXX XXXX, we purchased a XXXX from XXXX XXXX. We told the sales person, XXXX, and the finance guy repeatedly to make sure they list our po box as our mailing address. On XX/XX/XXXX, I called to ask when we would receive a bill to be told our account was past due. We explained we have yet to receive a bill. The supervisor we spoke to assured me that had fixed the billing address. I had a check sent from Bill Pay with my bank. It arrived on XX/XX/XXXX.
Payments for XXXX and XXXX went sent on XX/XX/XXXX and XX/XX/XXXX, respectively.
We have yet to receive a statement from this company.
I called again today and discovered they had applied XXXX late fees to the account.
I first spoke to XXXX who refused to hand me over to a supervisor. I called back and got XXXX who got me over to XXXX.
XXXX made me wait while she heated up food for people - I could hear kids and a microwave!
After several minutes, XXXX came back on the line. I explained we have yet to receive a bill from the company, that we told them at the dealership, it was supposed to be fixed on XX/XX/XXXX,...
XXXX said she updated the billing address but it would take not take effect until the following statement. I told her they told us in XXXX that they corrected it. She stated they put something in the notes.
XXXX said she put in to waive one of the two late fees. I stated it isn't fair to have any late fees as it was the company 's fault we never received a bill and we had paid our loan payment on time each month. She further stated she would request a waiver but didn't think it would go through.
I told her the XXXX payment should be there tomorrow and asked if there was still going to be an issue. Apparently, this company keeps issuing additional late fees even though we pay on time. This is not fair or reasonable.
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| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased my leased car from Hyundai Capital America on XX/XX/XXXX, via a check for {$12000.00} ( the total residual amount ). The check was cashed immediately, but I never received my title in the mail & have been in an ongoing battle this past year trying to get the documents I need. The CA XXXX said I need wet signatures on a Bill of Sale, Odometer statement, & other documents, all of which I have requested from XXXX over 2 dozen times. I have made over 50 phone calls in the past year, each time being lied to that my documents will arrive within a few business days. I received a Bill of Sale several months later on XX/XX/XXXX, ( which has now expired ) without the other required documents, so the XXXX has rejected my request for a duplicate title. On XX/XX/XXXX, I sent a packet of XXXX XXXX forms to the XXXX XXXXXXXX XXXXt via XXXX mail ( XXXX XXXX # XXXX ). I highlighted & placed Post-It notes on the areas needed to be filled out & signed. I also included a letter outlining the name of each form & what section they need to fill out in a very simplified manner. The letter was delivered on 2/6, but the XXXX claims they have not received it. On XX/XX/XXXX, I sent another certified letter ( XXXX XXXX # XXXX ) requesting a duplicate title along with a {$61.00} money order made out to the XXXX. I am attempting both approaches as a last-ditch effort. Despite dozens of attempts to resolve the issue with their customer service & escalation teams, I was met with unhelpful & unsympathetic representatives who provided me with conflicting information via scripted lines. This lack of accountability is unacceptable. I would like to request that you investigate this matter & take appropriate action to hold XXXX accountable for its poor practices. All I need is the title to the car I rightfully own.
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| 02/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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in XXXX of XXXX I purchased a XXXX XXXX XXXX, at the time they sold me an extended warranty which the contract said I can always cancel and get a refund if I don't make any claims against it.
I made several larger payments on the account and asked to have them applied to the principal.
on XX/XX/XXXX I requested to cancel the extended warranty. I received an email from the dealer that said : " Also, I just need to be sure that you are aware that if there is still a lienholder on the vehicle, the refund goes to them directly and not to the customer. The refund amount is applied to the principle of the loan. '' I contacted them via email a few times and mentioned that it was not applied to the principal. I received this email on XX/XX/XXXX : " Ms. XXXX, Thank you for your reply.
We can confirm that warranty refunds are paid in the form of a check and are applied directly to your principal balance '' It still didn't look right and I emailed a few times more. at first because they did not refund the full amount. In XXXX of XXXX they refunded an additional amount but still did not apply it correctly.
the entire time they showed that I do not owe payments. Now, I XXXX of XXXX after I emailed again, they called me and said they made a mistake and if they reverse it, the account will be past due and I will have to make up the past due amount and they are willing to give me 3 months (! ). i've been asking them for years to correct it and now they ask me to catch up in 3 months. In addition to that, they added late fees to my account. I do have all statements that show no amount due. I was never late and had they applied it correctly, I would have made certain that I make payments in time!! in addition to that the car has a mechanical issue that they are refusing to fix and we can't use the car!
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| 11/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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On XX/XX/XXXX, I purchased a new vehicle and traded in my old vehicle. On XX/XX/XXXX, as part of my new vehicle purchase, XXXX XXXX paid off my loan to Hyundai Motor in the amount of {$11000.00}. This was 3 days before my due date of XX/XX/XXXX. I continue to receive e-mails, texts, and letters stating that my account is past due. I contacted Hyundai on today 's date, and they transferred me to THREE different agents. They stated they were trying to collect a debt. I advised them my car was paid off. They admitted they received the payment on XX/XX/XXXX, but that they " haven't updated their system yet '' and couldn't state " when the system will be updated with the information. '' This is 12 days after the car was paid off. In the meantime, they continue to add on fees and charges, including late fees, even though the car was paid off. They stated my account is 9 days past due, even though they admitted receiving the payoff amount on XX/XX/XXXX. They have no solution to correct the account, and continue to tell me that I need to make the payments or else it will be reported to the credit bureaus. I was further advised that since my payment is " 9 days late '' ( as of today ) that this will be reported to the credit bureaus. I have had nothing but problems with them since I first financed my car through them. For instance, I received a 60 day deferment in XX/XX/XXXX after being in a declared emergency area due to Hurricane Irma. However, they reported to the credit bureau that I was late. To continue to harass me with calls and letters and e-mails saying I'm late and to continue to assess fees and charges to my account and inaccurately report to the credit bureaus after my account was paid off on XX/XX/XXXX is fraud. I would like this investigated and for Hyundai to correct the problem.
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| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ACCOUNT IN DISPUTE KIA MOTORS FINANCE REPORTED BALANCE {$1000.00} ACCOUNT OPENED XX/XX/XXXX TERM 3 YEARS ( WAS EXTENDED AN ADDITIONAL 6 MONTHS TO 42 MONTHS ) Account was payed in full in XX/XX/XXXX with XXXX late payments I returned the car in XX/XX/XXXX and leased a new car from KIA Newly leased car paid in full with XXXX late payments.
In XX/XX/XXXX KIA reported a balance on the original lease, XXXX months after it was turned in.
KIA has reported late payments from XX/XX/XXXX till present, and erased all payments from XXXX to XXXX KIA posted that I have been delinquent for 42 months of payments to credit bureaus I have attempted to speak to KIA, where I have been verbally abused, hung up on, and laughed before being hung up on.
When I dispute charge with XXXX or XXXX XXXX, KIA insisted and shows a piece of paper with the balance on it, but refuses to say what it is for.
KIA further sabotages my XXXX XXXX by continually opening and closing the account.
KIA repeatedly leaves messages at the credit bureaus, then erases them.
I asked for the XXXX XXXX XXXX to find out what is happening, but KIA never responded. The XXXX has given them an F rating, and XXXX consumer complaints at their site gives KIA XXXX out of XXXX stars. Consumers complain that they are unable to give them XXXX stars.
At XXXX more of the same. KIA Finance is an aberration and needs to be investigated Now I am asking you for help, as KIA has ruined my credit. I attempted to refinance my house over the last year and KIA is costing me tens of thousands of dollars with this little game they are playing.
WHAT IS THIS FOR? WHY IS THERE A BALANCE WHEN IT WAS PAID OFF IN XX/XX/XXXX AND A NEW LEASE STARTED? WHY ARE YOU SHOWING XXXX AS THE LAST PAYMENT?
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| 06/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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In late XXXX of 2016 I was asked by a professional contact to co-sign a car loan with him. I spoke to the salesperson who explained that I would be the co-signer, that I could remove myself from the loan at any time and that I was not responsible for any payments. I agreed to help my friend and the loan papers were drawn up. The salesperson met me at a XXXX 's to sign the paperwork. I am listed as the lead signer on the paperwork. This " friend '' has only made XXXX full payments, the rest have been made by me. He is hiding from me ( blocked calls/Facebook access ) and the finance company, has moved both work and home locations. I believe there was intent to deceive me from the beginning of this transaction and I also have come to recognize that there were errors made that should have invalidated this loan. First : I am not on the title to the car. The dealership does not show me as being a rightful owner of this asset, yet I 'm the only XXXX making payments. Second : The address that is listed under my name does not match my address. It was the original address of the co-signer, but even he does n't live there. Third : The salesperson did not go over any terms of the loan with me, did not tell me how to make payments, and in having the improper address I did n't find out about payment dates, etc. until the second payment was late and I received a call from the finance company.
I am now making payments on an asset that I have no rights to collect, and am doing so on a loan that is fraudulent.
I have attached a copy of the title received from the finance company ; an electronic version of the statement showing an improper address for me ( notice my name, NOT his ) ; and some proof of payments ; I may have missed a payment proof but would be able to get that from my bank account.
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| 04/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I did a lease buy-out with Hyundai Motor Finance in XX/XX/XXXX. I received my title but upon when I visited the MN XXXX, they said I needed a taxes paid form along with a corrected title as they advised me to write an incorrect amount on the wrong line on the back of the title. I have been calling XXXX Customer Service since XX/XX/XXXX to resolve this issue and receive the forms. I am told time and again, in XXXX days I will receive the forms and never do. This is repeated again and again for months. Fast forward to XX/XX/XXXX and I am in car accident and my car is totaled. I can not receive the payout for my car because XXXX has yet to send me the corrected title and certified taxes paid form. I called again on XX/XX/XXXX and spoke to a supervisor XXXX who essentially told me that all customer service agents had lied to me over all these months as they do not send these forms without a WRITTEN request! This is the FIRST time I had been advised of this. I got off the phone and promptly emailed XXXX the requested information ( I just realized on the letter I have XXXX, a typo on my part as it is XXXX ). I called again on XX/XX/XXXX as I had not yet received confirmation of receipt of the email nor anything in the mail. I spoke to supervisor XXXX who told me that there is not a number to call to contact titles nor could he tell me had the information been received. He only said he will send an email and I would have to call back. It is now XXXX XXXX and I have not received any email or mail correspondence or documents. I called customer service again and after holding for XXXX minutes for a supervisor she told me that no supervisor would answer the phone and they must be closed! How can anyone solve issues when no one takes responsibility nor action in solving issues for customers?
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| 08/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX and financed the vehicle through KIA Finance. I paid the vehicle off on XX/XX/XXXX and had expected to receive my title shortly thereafter. I contacted KIA finance and was advised that I would receive the title within 14 days. I contacted KIA finance at the end of XXXX and advised that I had not received the vehicle title. I was advised that the title was sent to my old address a home that I sold in XX/XX/XXXX. My mailing address was changed however, the company failed to follow through. I was furthered advised by a representative that a lien release letter from KIA would be sent which was received XX/XX/XXXX six weeks after the initial request.
On XX/XX/XXXX I went to the New Jersey Motor Vehicle Commission to obtain a duplicate title and I was advised that the KIA lien release letter was unacceptable because Hyundai Capital America was on the title documents filed with the state. The motor vehicle commission representative stated that I would need a merger letter or lien release letter from Hyundai Capital America. I contacted Hyundai Capital America the same day and was advised that I would receive the merger/ lien release letter from Hyundai Capital America with in 3-5 days which did not occur. Hyundai Capital was contacted again on XX/XX/XXXX advising their representative that the merger/lien letter was not received. The representative stated that the letter was mailed on XX/XX/XXXX which was 11 days ago.
I am bringing this issue to your attention so that someone can investigate and have Hyundai Capital America forward their merger/lien release letter so that I can obtain a duplicate title. In addition, Hyundai Capital America should be responsible fee paying the {$60.00} duplicate title fee since they caused this problem.
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| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am writing to dispute a Hyundai reported delinquency on my payoff of the lease-end residuals. I just want to take this opportunity to point your attention to the fact that I have 2 leases with Hyundai Financials for the entire life ( 3+ years ) of these leases I was never late with my payment.
I was paying it off in a good faith, as arranged with their lease-end dept. representatives, who reassured me that have time to pay until charge-off of the Account, that would have happened in XXXX, 2021, when I spoke to them in XXXX and then again in XXXX. Based on that arrangement I spaced my payments to complete paying off the balance by end of XXXX. To accomplish this I was making 2 to 3 payments a month ( see below ).
Date Received Amount XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$300.00} Now when I found out that my account was reported as delinquent on XX/XX/XXXX, which caused my credit score to plummet, I called again and happen to talk to the same Hyundai representatives I spoke in XXXX, but he didnt acknowledge that arrangement, and continued to state that they didnt indicate that I have time to pay until charge-off of the Account that would have happened in XXXX. They caused me financial difficulty by reporting my account as delinquent to 3 credit agencies, which caused my credit score to drop 40+paoints ( from excellent to good ).
As a result I filed a dispute with 3 Credit Agencies : XXXX, XXXX, and XXXX and writing to you as a consumer with an excellent credit rating to right this wrong so that I can have back my excellent credit score that I worked so hard to build and maintain for the past 15 years. They ruined me. Looking forward to the positive outcome of this complaint.
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| 06/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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The week or day of XX/XX/XXXX, I was told by Kia Motors finance customer service representative to friendly render ( reposess-give back ) my XXXX XXXX XXXX although my car payments were up to date. The dealership big red sports and imports mistakenly financed the vehicle in my XXXX mother 's name rather than adding her as my cosigner and wouldn't correct the error and told me that after 6 months of payments that I would be able to call Kia Motors finance and that they would put the account in my name in which that was invalid and didn't happen, I was told that I would have to go to the dealership and refinance in my name and attempted to before ( 6 months of payment history ) and after my mother passed away XX/XX/XXXX and they resorted to offering a new vehicle sale, not to refinance. I sent XXXX with Kia Motors finance my mother 's death certificate and was made aware in XXXX of XXXX by the XXXX XXXX back-office that since there was not a power of attorney, the vehicle couldn't get placed in my name and that since the title was transferred over to me due to the vehicle being for my use and the payments were up to date and made by me since the account opened on XX/XX/XXXX that my name and mailing address, contact/profile information would be updated to my information and to continue to make payments as usual in which I did prior to being told to give them back the car by customer service. My car payment wasn't due until XX/XX/XXXX, customer service told me to friendly render the car on XX/XX/XXXX and I left it at a XXXX dealership on XX/XX/XXXX and advised XXXX XXXX XXXX XXXX XXXX along with his XXXX XXXX customer service verbally, by chat/instant message & their online portal the location of where I left the vehicle for them to reposess ( friendly render ) per their request.
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| 07/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I called because I knew I was going to be running behind and have trouble getting caught up with the one delinquent payment. Kia Motor Finance agreed to extend one payment to the end of the loan. I paid a fee on the phone and they sent an agreement to be signed and returned. The agreement was mailed on XX/XX/XXXX. I received it XX/XX/XXXX. My husband and I both signed it and returned it by both fax and email on XX/XX/XXXX. It was never applied. I have continued to make payments believing they were timely based on one payment being moved to the end of the loan. On XX/XX/XXXX, I had also asked that my cell phone not receive dialer calls and advised that manual calls were acceptable. I never received communication that my extension was not applied. I applied for a license for my business and it shows a delinquent credit bureau reporting and that was is late on the credit bureau is the amount of the late charges on the account, not a full payment. It is my understanding that late charges can not be reported as delinquent on a credit report, only actual payments. They did begin to also call me again on my cell phone by dialer. I called them earlier this evening and spoke with XXXX, XXXX, who has now removed my number. She said they had received the documents but had not called or sent a letter that it was closed prior to my receiving the extension and they would not honor the extension and as it had been closed, again prior to my receiving the letter. Attached below is the copy that I had also emailed to myself for records and the email time stamped at XXXX XXXX. I sent it as soon as I was able to at work that day. I request the late charges be removed, the credit corrected and the extension applied to my account effective XX/XX/XXXX when the documents were returned.
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| 03/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I began financing a vehicle with Kia Motor Finance in XX/XX/2020 ; first payment due in XXXX. Since then I have paid on time and overpaid, every month. My payment is {$720.00} and I pay either {$800.00} or {$1000.00} every month so I can pay the loan off quicker. These payments appear on my Kia payment history so I know theyve been received by the company.
I received a Notice of Default in the mail threatening to " exercise their rights under the law '' which I take to mean collections. I have an impeccable and unblemished credit history so this is infinitely frustrating. I called Kia Customer Service about two weeks ago to request that my extra payment money be applied to the principle balance. I assume this representative inadvertently messed something up with my account because that triggered this Notice of Default. Kia 's financing website is outdated, useless, and barely functional which is why I couldn't just opt to have my extra payment applied to principle to begin with.
I attempted to call the number on the notice last night and the rep told me she wasn't equipped to handle my inquiry. She told me to call back between XXXX and XXXX. I called back and spoke to another representative who ( apparently ) was also not equipped because he transferred me and was on hold for an hour and 20 minutes before the call dropped. I spoke to two more representatives that same day and the final one seemed like she would be able to help me, but my account is still showing as overdue. A manager was supposed to call me back and never did. I have also filed a complaint with the XXXX XXXX XXXX that they have ignored.
Not only has Kia Motor Finance managed to XXXX up my account and is jeopardizing my credit history, they are too inept to correct it or to allow me to try and correct it.
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| 06/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I was unemployed since XXXX of XXXX, I ran out of savings and was unable to keep up with Timely payments in or around XXXX or XXXX. I communicated with Hyundai Motor Finance several times asking to get a payment deferral. I was told i was denied because I had not made 6 payments, but rest assured once I did make the XXXX payment that the XXXX and XXXX payments would be deferred. So two payments. Now that Im working and finally made the XXXX payment I was past due on they are telling me I can only have one payment deferred which will leave me struggling even though I have been told on several occasions that the payments for XXXX and XXXX would be deferred several times by several different representatives and even a supervisor which actually applied for the 2 month payment deferral for me that was denied because I needed to make one more payment. I am now being told it doesnt matter that I was told 2 months they can only do one month. I feel this is unfair and deceptive against me, a paying customer who was struggling a financial hardship. It seems no one at Hyundai Motor Finance knows or is trained on the actual policy which can and willcause this same difficulty to many more customers. I will list the dates of mentioned phone calls, XXXX two phone calls XX/XX/XXXX XXXX rep told me no only one month, went and asked and I heard the person in the background say yes I could do two months the rep came back to the line and said My apologies maam you can do two months, you just wont be allowed another deferral for 12 months after that XXXX 2 phone calls which I called and discussed situation and they called me back even though I already made contact and did not give permission to call back XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX supervisor submitted two month deferral request
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| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have been contacting this company to send a Notarized letter of lien release for the past 4 weeks. I initially contacted them on XX/XX/XXXX to fax the letter to XXXX XXXX XXXX XXXX. They said it would take 3 business days at most- it ended up taking 4 business days ( the following Thursday ) to fax it according to them. The state title bureau never received a fax from them.
I called them the following day again ( XXXX XXXX XXXX XXXXXXXX ) and they said they can mail it out to me this time. So I requested that it be send out as expedited, because I was growing impatient. They ended up mailing it out as regular mail on XXXX XX/XX/XXXX ( according to them ). I have not received a mail as of today ( Tue, XX/XX/XXXX ).
I called last week Wednesday XX/XX/XXXX to ask them to both mail AND fax out the letter of lien release again since I could no longer trust them. I called yesterday ( Monday XX/XX/XXXX ) to follow up on the request. The Hyundai Motor Finance says they never received such request. I put in a new request again, and asked them to mail via expedited mail. They then took my XXXX account number, saying I had to pay for it, even though I had been asking for a month now.
I have contacted them for weeks upon weeks with no provable action. No tracking number. All they say is they have done it, but all we have are their words. No letter. In the eyes of the state, my vehicle is still owned by Hyundai Motor Finance - 3 months after having paid off the vehicle loan. I think HMFUSA is discriminating me based on my XXXX name.
The original title was mailed out to my old address, even though I had changed my address. The post office and the old apartment says it would have gone back to the sender. This was back in XXXX. HMFUSA should have my vehicle title. Where is it?
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| 04/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am a loyal Hyundai customer, currently on my XXXX lease. In early XX/XX/XXXX, a Hyundai Dealer convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for Hyundai Motor Finance ( HMF ). The check was delivered on time. HMF deposited the check, but, apparently, did not apply it against my account. HMF started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and HMF should figure it out with the dealer. Instead, HMF reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with HMF they demanded the front and back of the check that the Hyundai dealer sent them. HMF refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from Hyundai dealer. HMF admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to HMF by mail. HMF has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. HMF has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.
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| 02/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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|
Web |
Older American |
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In XX/XX/XXXX I moved from XXXX to XXXX. Within one month of the move, I registered my car ( XXXX XXXX ) in XXXX and paid the XXXX state excise tax for my XXXX XXXX. In XX/XX/XXXX I received a property tax bill from Kia Motor Finance ( KMF ) for {$240.00} which they had paid to the state of XXXX. I faxed a letter to KMF Property Tax Dept. proving that I had moved and registered the car in XXXX. I have a receipt proving that the fax went through to the correct number.
In XX/XX/XXXX, I received the same notice that I still owed ( this time {$220.00} ) to KMF for the property tax levied in XXXX. This time I mailed all the documents to the KMF Tax Department in XXXX XXXX, CA, proving that I did not owe this amount. I sent the package registered mail via USPS. I have a tracking receipt showing that the package was delivered to the correct PO Box . I have never heard anything from KMF and the tax charge remains on my monthly statement. I refuse to pay it but I do not want this to damage my credit rating, which is excellent.
In XX/XX/XXXX I receive a notice from KMF that I still owe {$220.00} in property tax. I call customer service and am told that there is no record attached to my account to prove that they ever received the documents and abatement requests I sent twice. They tell me to send the request again and give me the same fax numbers and the same PO Box address I have already used without success. I ask for a number to call their Tax Department and discuss this issue. I am told that the Tax Department is not reachable by phone only by fax or mail.
I am filing this complaint because I feel as if there is no way to get KMF to respond to my requests for abatement. They will not even acknowledge that they have received my requests. Please help me to sort this out!
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| 01/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I had a loan with XXXX XXXX for my vehicle. My vehicle was paid off by insurance due to it being totaled, on XX/XX/. My monthly payment where due on the on the second of each month. My insurance had contacted Kia and requested a pay off amount and let them know they would be sending a check. The check took couple days but they received mean while Kia kept sending letter to make the payment or otherwise this would go on my credit report for failure to make payment. I eventually made the payment because I didn't want my credit to be ruin just for this. Kia had mention I would get refunded if they had received and excess payment. Once everything was paid I call an ask about my payment they told me that it will take like 30 days so they can process and close the account. The 30 days passed and nothing happen. I called again and they keep telling me its on hold because they need to figure out who they sending the money to. They said wait 10 days and call again. I keep calling and they tell me its pending and they will transfer me to someone that may help me after they just hang up or always tell me they don't have anyone that speak Spanish that may help me. Its been more than two months and I havent received my money. I wish they where as good to resolve this issues and refunded me my money like they where on me to make my payment. On the account on the documents they have that they issue a refund for the amount of {$510.00} on XX/XX/ but this is not the case I never did received. There is also document saying that the amount of interest for XXXX for my account was the total of {$710.00} which I don't know where this money is because they haven't sent me anything. I tried reach out to them many times and they just have me on hold for hours to end up hanging up on me.
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| 08/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My new vehicle financed with Kia Motors Finance was totaled on XX/XX/2023. The account went through the usual processes of insurance claims. After the insurance payment on XX/XX/2023, there was still a balance of {$1500.00}. I was informed by my GAP insurance provider that I would not need GAP as the balance would be covered by warranty refunds. In XX/XX/2023, I spoke with my dealership to submit the paperwork to get the refunds processed. Kia Motors Finance would not debit the refunds from the dealer. I attempted to call Kia finances phone number, but an automated answer always states that they are busy and the call ends. Months went by while I kept attempting to call Kia finance. On XX/XX/2023, I received a call from Hyundai Motors that my account would be charged off. There was no previous warning, whether through call, email, or physical mail. I was told it would not go to my credit report if I paid that day. I paid off the remaining {$1500.00} with my own bank account, even though it should have been covered with the refunds they should have processed. Kia Finance ended up placing a derogatory remark on my credit report anyway and my score fell by over XXXX pts. I had to submit a dispute by mail to them and now the remark is removed but my score has not recovered. As of XX/XX/2023, I still have not received my refunds. I was told that the GAP refund was mailed out on XX/XX/2023 but I have yet to receive it. I asked for the check to be reissued and they mentioned it could take up to 45 business days. Today I also inquired about the 2 other refunds that total in the amount of {$3000.00}. The representative told me that the refunds have not been processed yet. I can see on my payment history that Kia Finance received these refunds from my dealer on XX/XX/2023.
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| 03/30/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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Had XXXX yr lease, with no problem on monthly payments. Returned the car ( 3yr/36000miles ) with only no more than XXXX (? ) miles on car & told dealer there was an issue that i felt KIA had a responsibility for. this issue was about side panel damage on the car and i was told by dealer leave the car and to call kia customer service. i did so and after following all kia customer service 's directives, within 2 mos or so we resolved the problem and we both shared the cost and i agreed to a price to repair the car damage. I paid my portion & found out months later that my credit was damaged since KIA said my account was open and they presented my account as having history of " unpaid payments ''. So i then i had been branded with a " payment deliquency '' from the credit bureau from that point on ... .that was 4-5 yrs ago. I tried for months to present it to the credit bureau, they agreed the payment history was good but they kept sending me back to KIA, who would not help at all even though they also said the issue was was over the car damage and not any payment. ( At the time, I had other credit cards accounts only on my credit history for years and they were all very good history.
After receiving a check for {$100.00}, I did call hyundai capital and they said i was eligible to call KIA to get them to remedy the issue. I was shown how KIA was mandated to do so. This was about XX/XX/2023, I called Kia and after two or three people involved in two separate attempts, finally at the last call i was put on hold repeatedly ... left there for 15+ minutes then got a pick up and an immediate hang up. ( the number i called was given to me by HYUNDAI Capital so i called Kia - XXXX ) Today i called HYUNDAI Capital back and they directed me to make this complaint here.
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| 03/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
Older American |
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XXXX I traded my existing XXXX KIA lease in for the purchase of a new XXXX KIA XXXX. Trade in negotiated by the Dealership, XXXX XXXX in XXXX CA. Deal accepted and I signed new loan docs showing the trade in and residual amt added to new loan. Signed a full Release of Liability same date and told to not make the following payment as they were sending the full payoff to Kia Finance.
XXXX rec 'd a call from XXXX XXXX ( assoc with Kia ) that was a collection call on the XXXX KIA I traded in. ( 21 days later ) Explained I released the car XXXX and gave above details. Asked to make the past due payment to bring account current, then contact the dealer? Asked if KIA would not contact their dealer and answer was no. Asked for management. Called following day and again connected with a collector. I was told no payoff rec 'd contact the dealer. I went in to the dealership and spoke to their finance dept. They told me their check # XXXX was sent and cleared their bank XXXX for {$14.00}, XXXX. Now XXXX and I continue to get collection activity and the two are not talking to each other to resolve this matter. Only option I am being given is to pay for the car I no longer have by KIA. 5 coll calls, to discussions with reported KIA XXXX and discussions with XXXX XXXX has done nothing. KIA now shows I am 21 days late and the {$400.00} payment is up to {$810.00}. I am at my wits end and the " threat '' is the late payment will be reported to the credit firms. XXXX XXXX XXXX and I have NEVER had a negative credit report. Matter of fact two dealerships told me I had great credit. This will destroy that if the derog, to no fault of my own, is reported. Please help. I am stuck in the middle here. I will not pay for a car I do not have and have a Release of Liability form for.
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| 01/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On the back of my lease statement it states that " If your lease agreement was signed in Kansas, Louisiana Maryland or Utah, section '8 Late Payments ', is hereby modified by adding the following language : " The maximum late feel you may be charged is {$20.00}. Any higher amount in your lease agreement is hereby deleted ''.
I have been trying to get this fixed since XX/XX/XXXX. I have spoken to multiple customer service agents and told that they have sent an email to their accounting to department and have not heard anything back. I spoke to someone on XX/XX/XXXX and they said that their team looked into it and said the fees are valid per the contract. I informed him that per their own billing statement, the language that overrides the contract and that they were not valid. He went to check the back of the statement and confirmed what I said. He said that they will have to " look into it ''. I have been hung up on multiple times and told that until my account is caught up they will not speak with me or do anything regarding the overcharge amount with fees. I have been charged {$32.00} since my XX/XX/XXXX statement to my current statement in XX/XX/XXXX. In this time the overcharge difference totals {$280.00} as of XX/XX/XXXX.
Hyundai refuses to fix their issue even though have have been made aware of this knowledge and continues to overcharge me late fees. There have been multiple notes made on my account, yet they continue to call and inquire about payment which is understandable when I am behind in payment but to refuse to correct their mistake is unprofessional and against the law.
I have attached both the first statement where the fee language appears and the most current statement with the same language. All statements in between have a late fee.
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| 05/30/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American |
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Hello, This is the second time we have turned in a vehicle to Hyundai and had issues. This time, first we got a letter saying we turned in our vehicle early and therefore it was going to auction and we would be responsible for the difference which likely was going to be $ XXXX. Was absolutely not correct. Next we were told there was damage to the car and that we owed them money. I have a long video of me walking around the car in detail at the dealership due concerns over past issues. I also paid for the damage insurance and had the car serviced at the dealership less than a month before turn in when it received a clean bill of health. The images used to show the damage, never showed the whole car to validate it was my vehicle, which it could not have been as mine was not damaged. They also want to charge me for not getting a new car, which I did and financed thru them. When I try and tell them that, they just seem to ignore the comment. I keep getting a bill for {$850.00}. I have excellent credit and have had for years. All payments are made autopay as is for my new car. I love Hyundai cars, but HMFUSA is a just a joke.
I talked to them on the phone numerous times and finally said I wanted to go to arbitration which was in accordance with a document they made me sign when I got the lease. All issues would go to arbitration. I said that I wanted arbitration verbally on three different calls which I was told were being recorded, sent them two registered letters and still it has not happened and now the debt is on my credit report.
I see they were fined just last year for bad behavior and I think they should be fined again. They are abusing their position and need to get their house in order or continue to face fines and penalty payouts until they do.
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| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I recently reviewed my credit report and found unauthorized inquiries done ALL the same exact day!
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.
some gave me the run around over the phone because they couldn't find anything so they kept switching me to multiple department and no one could help me figure out why they pulled my credit without my consent, nor could give a proper answer.
Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it.
here are the inquiries to immediately remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also mail certified with return receipt the dispute to the credit bureau XXXX who's reporting this wrongfully enclosed a copy
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| 08/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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I bought a XXXX XXXX in XXXX and financed it through Hyundai Motor Finance. I moved states from XXXX to XXXX, and requested a state title transfer through their website on XX/XX/XXXX. Their online tracker said " Your request is currently being reviewed. Please allow up to 5 business days. '' and has not moved since, as of today, XX/XX/XXXX. I called customer service on XX/XX/XXXX as the time had passed and I had not heard any updates. They said they would expedite the request and I was sent a secure message on Hyundai Capital America 's secure messaging service with the information I could provide to expedite and that " Upon receipt of the information above, we will send the required documentation to your new state within ten ( 10 ) business days. '' I replied immediately that day with the requested information. The 10th business day would have been XX/XX/XXXX, but they never sent the title to the new DMV. I followed up on XX/XX/XXXX via phone call to Hyundai Motor Finance and they gave me a reference number and told me again that they would expedite the issue and I would have an update within 5 business days, which would have been XX/XX/XXXX. I called again this morning, XX/XX/XXXX, to check the status and was told there are no updates and that the issue has already been escalated, and that there is nothing they can do and I just have to wait.
In the state of XXXX, you have up to 60 days to transfer your title and registration. We are well beyond halfway to that point and there hasn't been a single update since stating this process, no end in sight. I am able to contact customer service, but it leads to no movement, let alone a resolution. I am concerned that I will be fined or that I will be unable to drive the car I purchased through Hyundai.
|
| 08/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American, Servicemember |
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On XX/XX/XXXX co-signed loan on car with daughter. Vehicle was financed through KIA Finance USA for a total finance of {$28000.00}. In XX/XX/XXXX, while parked, in driveway the vehicle was totaled by XXXX the insurance company that I had insurance on through at the time. Before the vehicle was totaled, there were a total of nineteen ( 19 ) payments made. Seventeen ( 17 ) payments at {$550.00} a month totaling {$9300.00}. OnXXXX ( 1 ) payment made for {$550.00} and one payment made for {$560.00}. This was what was quoted to me on XX/XX/XXXX by a worker at the customer information center at KIA motors finance USA. I did not write down her name. I also asked that same customer service rep at KIA motors finance how much did XXXX pay when the car was totaled? She answered {$14000.00}. I asked how much did the GAP insurance pay? She answered : {$6700.00}. KIA motors finance also received refund of extended warranty of {$610.00}. That comes to a total of {$32000.00}. The total amount financed according to the copy of the contract that I have says {$28000.00}. Subtracting total payments made, insurance payoff, GAP insurance payoff and the refund of the remaining warranty shows a difference of {$3700.00} positive or extra monies that KIA motors finance received. KIA Motors finance USA is still showing I owe {$1300.00} on my credit reports. I say KIA Motors Finance USA owes me the overpayment of {$3700.00}. KIA Motors Finance USA has sent to several collection agencies for the amount of {$1300.00} and it needs to be removed from my credit reports because it is showing as negative credit on my credit reports. The KIA MOTORS FINANCE ACCT IS : XXXX. The contract date was : XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX now known as KIA of XXXX XXXX , Florida .
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| 10/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Account XXXX Account # XXXX opened in XXXX. The company closed account without merit in XXXX. Then came after me for monetary of {$250.00} then over {$500.00}. I disputed with agency over three times and with Credit Bureaus. It was closed disputed even fraudulantly. The company never provided proof of amounts. I requested it to be resolved a settlement was offered. Then I knew I did not owe them because they had never provided summary report on account. Kia Financial Motor Account # XXXX. Car was surrended on XX/XX/XXXX voluntarily with no payments due. The company sold vehicle in auction then requested {$7000.00} then over {$8000.00}. I was offered a settlement. The car had been sold repo and there trying to get a double pay. The vehicle has claim form for XXXX class action settlement on XXXX XXXX gasloine direct injection engine. In which I was having problems when leased that is why I retuned it behind defect. The company is trying to profit on two consumers when, vehicle was sold in XX/XX/XXXX. Then the company expected me to pay for XXXX until XX/XX/XXXX. Someone was untilizing vehicle in company they need to be responsible for usage. Also pay for punitive damages of selling a defective SUV that is now in court for defective engine failure. I am requesting that both companies because the accounts are closed be removed off credit report due to insufficient accountability of amounts being owed and fraudulant amounts being submitted as dispute on the record. When it is over three years of servicing me as a customer. Providing updated information when accounts have been closed for not providing proof of service amounts being requested. There being made up as time progesses to receive monetary that is not due for service not being received in XXXX.
|
| 11/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Lease was extended once. At end of extension I had hardship situation, my mother passed away. Vehicle was repossessed. I was able to finance the balance due in order to redeem my vehicle.
Redemption process very hard, initially wouldn't provide a pay-off letter or sign an odometer statement. Loan was approved payment was sent overnight, however agent XXXX stated to use Suite numbeXXXX instead of box for delivery. It was a lockbox. They refused to reach out to XXXX XXXX ( lockbox holder ) to find payment for application. I contacted directly and finally had release for vehicle. These delays to 5 days, impound lot charged {$50.00} per day, costing me {$250.00} Upon payment application they started to send me auction house, then back to impound lot, but they sent incorrect paperwork twice, taking up half a day for me to retrieve vehicle.
They did send me the title with the lien release, but they will not provide me with a bill of sale. I have called twice requesting this.The state of Texas will not issue a new title with lien to my new lender without that. The loan docs only show what I borrowed, but do not show if any additional payments might be made. Documentation of the exact amount is required to collect the vehicle sales tax.
The payment included repossession fees. They are now stating I owe an additional {$320.00} even though I have a letter that came with the title stating paid in full. They will not provide an accounting or invoice for these extra fees.
This is showing on my credit reports as a charge-off, but it is in fact paid in full. This same credit reporting also shows a balance due of XXXX KIA Motors Finance team doesn't not appear equipped to assist someone in redeeming their vehicle if they have the means to satisfy the balance.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Account # - XXXX 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Kia Motor Finance this is my last warning before I take legal action against your company. Your company is reporting inaccurate information to XXXX, XXXX, and XXXX! This account should be reflecting as paid in full and closed, yet your company is still reporting this account as a paid charge off which is inaccurate.
1. ) Your company are reporting three charge-off for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX. It's impossible for an account to be charged off and still report monthy payments. This account need be updated to paid in full and closed. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency, there's no late payment or past due on this account, yet your company is reporting a charge off. I would have to be XXXX, and XXXX late for this account to be charged off and I wasn't.
2. ) Your company are reporting two charge-off for the month of XXXX and XXXX to XXXX. Remove the charge off for the month of XXXX and XXXX, because the previous month are showing 'paid on time and update XXXX and XXXX to paid on time. I would have to be 30, 60, 90, and 120 late for this account to go into charge off status and I wasn't.
3. ) Your company is reporting a charge in the month of XXXX to XXXX which is inaccurate. In order for a charge off to take place I would need to be 30, 60, 90, and 120 late and I wasn't. The previous month are showing on time payment. This account needs to be updated to paid in full and closed.
|
| 10/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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XXXX XXXX ( " Buyer '' ) had made a payment of {$13000.00} to Hyundai Lease Titling Trust on XX/XX/XXXX for the purchase of a vehicle by the VIN number XXXX ( " Vehicle '' ), inclusive of Use Tax in the amount of {$1100.00}.
However, Hyundai Motor Finance has failed to notify the government that the Use Tax has been paid by Buyer, resulting in failure to complete the title transfer from Hyundai Lease Titling Trust to Buyer, resulting in failure to renew the title of Vehicle. This has led to Vehicle registration being expired since XX/XX/XXXX, in addition to increased title registration fees, as well as legal counseling fees, and Buyer 's own time and effort, resulting in Buyer 's loss amounting to approximately {$5000.00}.
Additionally, Buyer had contacted the title team for Hyundai Motor Finance 's failure to provide evidence, a XXXX form, to the federal government that the Use Tax had been paid by Hyundai motor finance. Title Team was instructed by Buyer to send the evidence of payment of use tax to the below address on two separate occasions, on XX/XX/XXXX and XX/XX/XXXX, respectively : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, XXXX was assured that the document would arrive by XX/XX/XXXX. The document did not arrive by XX/XX/XXXX as promised. Consequently, Buyer followed up on XX/XX/XXXX for the third time and was assured that the document was mailed out and should arrive by XX/XX/XXXX.
However, despite the expressed urgency of the request, Hyundai Motor Finance has failed to provide the requested documentation, as of XX/XX/XXXX, resulting in failure to complete the transfer of title since XXXX of XXXX, and consequently resulting in failure to complete the renewal of vehicle registration.
|
| 05/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
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Kia Motors finance shows my account as 69 days past due. I have been making constant reoccurring payments toward a past due balance on the account since XXXX. Last month I paid over XXXX dollars in a 30 day period. Kia is not applying these payments to the oldest past due therefore it shows that I havent made a payment since XX/XX/XXXX on their website. I spoke with a rep via phone today. They do not acknowledge these payments and are still saying I am 69 days past due. They said I need to pay the full past due soon or Ill get repoed. I only owe a remaining XXXX dollars I should only be 39 days past due. I have made arrangements to pay the remaining balance which includes the current not past due balance of XXXX dollars. The woman on the phone from Kia threatened repo. She was XXXX and I could barely understand her due to the noise in her call center and she could barely speak XXXX. I have an autistic son that Ive been paying out of pocket for therapy on. He must have the therapy. My insurance only recently began paying for his therapies due to my getting a new job. Kia motor finance was told this via communications on XXXX messenger yet they arent willing to help me out by acknowledging the XXXX dollars in payments since last month. I paid XXXX dollars in XXXX as well. I need help because they are showing me delinquent. I cant lose this car, its the car that gets my son the therapy. Ive been their customer since 2020. Delinquent means you havent made a payment. The account cant be last due since XXXX because Ive made payments since XXXX. Over XXXX dollars in payments. Please help.
To be clear the account says the last payment was made on XX/XX/XXXX. I am proving screen shots of this and screenshots showing debits from my account.
|
| 08/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I just bought a XXXX XXXX. Hyundai Motor finance is the one financing my car. I was signed up for auto payments they started out right but in XXXX they took out 2 payments one XX/XX/XXXX and one XX/XX/XXXX each one was for XXXX. They overdrafted me in my banking account. So on XXXX I called them and told them what they did. Talk to XXXX at that time at XXXX he was going to send me a refund check of XXXX it would take 3 business days to make check and up 7 days for mail to get to me. XX/XX/XXXX talked to XXXX to make sure the guy I talked to before did what he said she said that she would ask for refund cause the guy XXXX didn't send it in. she said it would takes 14 days to get to me. XX/XX/XXXX called to get update XXXX said that the refund had not been issued yet but i could have the extra payment they took out put on my XXXX payment I said ok we can do that. She told me that it would be credit to my XXXX payment by XXXX. Never happened called up there again talk to XXXX XXXX she said that the credit never went thru and she would push it thru. XXXX I called back up there talked to XXXX she said that the payment will be posted by XX/XX/XXXX. Never happened today I called up talk to XXXX a supervisor he said they are really behind and that he would get it posted to my account as soon as possible. I told him that my payment is due by XX/XX/XXXX what happens if y'all dont get my payment posted by then. He said well you have a 10 grace period before you start having to pay late fees. I said I'm sorry sir but I'm not paying no late fees cause y'all already my payment but want post it correctly. I am tired of being lied to and not having my issue fix this has been going on for a month now. I would like this issue fix asap on Hyundai side
|
| 08/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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First off Federal Law prohibits anyone from collecting taxes other than the taxing authority. KIA Finance ( KIA ) is attempting to collect taxes on behalf of a municipality where I do not reside and have not resided in a year.
KIA paid taxes to a municipality where I did not reside. The taxes they paid represented XX/XX/XXXX to XX/XX/XXXX. KIA told CFPB ( Complaint XXXX ) that the taxes they paid were for the year XXXX but that is false. The CFPB closed the complaint based upon KIA false claims. KIA hasnt even requested a refund from the State of Massachusetts XXXX XXXX XXXX who is aware of the false taxation levied against me. I am XXXX and use my car to receive daily care at a XXXX facility and KIA has threatened me with destroying my credit because of these false and illegal taxes.
I contacted the XXXX XXXX XXXXXXXX, MA at least XXXX in writing ( email and registered mail ) see attached and they claim that KIA hasnt requested a refund of the erroneous taxes and that they may take another month to issue a refund even though I first asked for the refund in XXXX, XXXX.
The CFPB needs to ask Congress to disallow Auto Finance companies from acting as tax collectors. This is not lawful and if a tax authority can not find a former resident ( because they moved ) more than likely its because they left the state. Each state has license plate readers so they know when residents leave the State for good. This is unlawful false debt collection that is causing serious harm to Americans who are being forced to move frequently due to ridiculous increases in housing costs. Please do something to help Americans rather than just close claims. It is becoming difficult to stomach paying taxes to any State or the Federal Government anymore.
|
| 02/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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XXXX XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it XXXX : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX XXXX, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' hyundai finance XX/XX/XXXX the Vachon Law Firm sued Hardin Hyundai Inc. an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX District of California,
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| 05/16/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2021, I called Kia Motors Finance and told them about inaccuracies they had reported to credit bureaus : they falsely reported that I paid late multiple times on a vehicle lease, when I never did. Their own records show I always paid on time and they agreed this was true when I talked to them. I have called them many times and written a letter because their credit reporting department has NO phone number or email address, according to customer service- this is a big problem. The only way to contact them is postal mail and then you have to wait for a response. I tried using XXXX to ask Kia Motors Finance for contact info for the credit report department but they didn't respond to me at all.
My credit score went down over 60 points, dropping my credit into the mid 600s when it had been in the upper 700s. This has stopped me from starting the process to get a mortgage because I'm not eligible for the rate I want. It is now XX/XX/XXXX and Kia Motors Finance still have not fixed their mistake. My credit report still shows the late payments that never happened.
I filed a dispute with the three credit bureaus. XXXX emailed me to say they confirmed the late payments were correct ( perhaps Kia Motors Finance never responded to their inquiry ) and closed the dispute. Today I sent XXXX a PDF of the 100 % on time payment record that Kia Motors Finance emailed to me, and now my XXXX score went up 45 points suddenly. So it seems XXXX has finally removed the incorrect late payments. My score is not where it was before and I still have to get the other bureaus to correct the mistake. I still have not heard from XXXX. It's disturbing how much trouble Kia Motors Finance 's mistake has cost me. I've attached the payment record.
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| 08/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I was attempting to buy a Kia XXXX at XXXX XXXX XXXX in XXXX XXXX, MD on XX/XX/2019. We had agreed on a price of {$20000.00} with a loan amount of {$18000.00} ( after a {$2000.00} down payment ). My husband and I both filled out the credit application. The dealer contacted us soon after our credit application was filed demanding more paperwork from my husband- pay stubs, proof of employment, questions about his recent immigration status and our marriage. The dealer said they could not confirm his new temporary social security number. We told the dealer that my husband had legally obtained and used his social security number to find employment and obtain a driver 's license. Finally the dealer agreed that they had enough information and were going to go ahead with the loan. I was doing a final inspection of the car outside of the dealer 's office for about 5 minutes while my husband stayed inside speaking with the dealer. When I returned the dealer had changed the conditions of the deal demanding more documents and stating we would not be able to get the car loan until we provided the extra documents. With this change in the deal and the apparent interrogation of my husband while I was outside, resulted in us withdrawing our credit application and not buying the car. We perceived the dealer as XXXX or XXXX. Regardless, I received a letter from Kia Motors Finance dated XX/XX/2019 that stated I was denied credit, despite my withdraw of my application and credit score of XXXX! On XX/XX/2019 I successfully obtained credit through XXXX financing for a car loan for {$17000.00}. I believe the dealer did not withdraw my credit application and Kia Motors Financing subsequently denied my credit, potentially affecting my future credit.
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| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. HYUNDAI CAPITAL AMERIC is reporting late payments FOR 32 MONTHS ON XXXX AND XXXX.
and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave HYUNDAI CAPITAL AMERIC, XXXX OR XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization.
Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to HYUNDAI CAPITAL AMERIC, XXXX AND XXXXviolated my consumer rights by allowing these late payments/utilization to report to my consumer report!
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| 04/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American, Servicemember |
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In anticipation of selling my vehicle ( XXXX XXXX XXXX ) that was leased with Kia Finance, I made some advance payments in XX/XX/XXXX, thinking that those payments would be immediately applied against my Lease balance. I subsequently determined through conversations with Customer Service Reps that any advance payments made on a Lease are not applied, but rather remain in a " Suspense '' Account. Amounts are only withdrawn and applied to the Lease balance as payments become due. Upon learning this, I contacted Kia and requested that they refund all of those advance payments, but subsequently only received checks totaling {$6000.00}. I subsequently sold my vehicle to XXXX and the lease with Kia was paid off on XX/XX/XXXX. As of that date, Kia Finance still owed me {$1900.00} as a result of those adbance payments I had made back in XX/XX/XXXX. I have made numerous contacts to Kia, and each time I call, they inform me the refund is still pending, and all they can do is send an email to their " Payment Processing Center. '' Everytime I call the response is exactly the same. As of today 's day, it has been more than 4 months since my Lease was paid off, and I still haven't received my refund of {$1900.00}. I am incredibly frustrated and feel totally helpless. Kia Finance operates with impunity, and apparently never even responded to a XXXX XXXX XXXX Complaint I had previously filed.
My Account # is : XXXX The vehicle description is : XXXX XXXX XXXX The lease date was : XX/XX/XXXX The company name is : KIA Finance The company address is : Kia Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The phone # is : XXXX My name is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX My phone # is : ( XXXX ) XXXX
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| 02/24/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American, Servicemember |
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My husband ( now deceased ) and were leasing a XXXX XXXX and XXXX. I moved from XXXX XXXX to XXXX and am trying to register my car, the XXXX. Because my husband 's name is on the lease, The XXXX Registry can not register the car until it is removed. I started contacting Hyundai Motor Finance on XXXX first with a letter mailed to them stating that I needed my husband 's name removed and the address changed on the lease. This is per the Registry. Hyundai Motor Finance does have a copy of the Death Certificate which I had sent them after he passed away. They did close out the Lease on the XXXX but did not remove his name from the XXXX. I called Hyundai Motor Finance multiple times and never received a callback. On XX/XX/XXXX, I went on their website and sent chat messages to them as well. They did not respond back. I have a more accurate telephone number now and have talked to 3 different people that have written down everything and forwarded to the Back Office Team. I was supposed to get a call back withing 5 to 7 business days but never did. I called again yesterday, XX/XX/XXXX, and spoke to XXXX and she assured me that she was submitting the paperwork again and to call back either today or next Tuesday which is XX/XX/XXXX. I called back today and she checked and still nothing has been done. She said that I can call every day to see if the changes have been made and if paperwork had been submitted to the Registry. My car needs to registered before the end of this month which is next Monday. After that I could get stopped for not having it registered properly. I need my car to do grocery shopping and doctor 's appointments. Each time I talked to a person, I asked what they needed from me and did exactly as they asked.
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| 11/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have been paying on loan over 1 year. I had a few issues at start of loan but resolved. Recently my bank had made a mistake and mishandled my bank account. I paid the NSF to XXXX for the issues. That should be enough for them but bill harassment took place after. I made a few payments after NSF took place. No issues. On XXXX I logged in account blocked from any bill pay at all. I called in. Phone bill pay not accepting my card also. I spoke to support whom was to unblock. I logged in after. Still blocked. Next customer service then harassed me more by then stating wait 15 minutes and try. I was then blocked from logging in. I then called back a 3rd time. I was unblock to login only and was supposed to be able to pay but can not because of harassment. NSF is standard business procedure even though not fair in some instances to pay for other businesses mistakes. Not part of any business agreement as a customer for them to block me from paying. First 2 sounded XXXX but doubt XXXX. 3rd sounded XXXX. I have had some harassment issues from ex-husband XXXX XXXX and his families in various states mainly XXXX they live. I also have had some harassment from step father XXXX XXXX including a statement regarding XXXX vehicles that there is a special device for XXXX vehicles in America only. I understand issues in America regarding XXXX not being well liked but maybe an excuse for harassment by them including the business as may noticeably being trying to harassment to hinder business finances here. I like my vehicle. I resent any of this be it family or business harassment. Business gave no notice of bill blocking. Not a business standard. NSF fees should be sufficient for issue. My bank does not internally bill pay to XXXX.
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| 10/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
Servicemember |
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I purchased a XXXX XXXX XXXX and financed through Hyundai Motor Finance to get the {$750.00} credit towards the purchase. I was told i had to make three payments to keep the benefit. I called to confirm before i did a re-finance and they said, two payments and the re-fi payment were sufficient I paid off the loan through a re-finance on XXXX XXXX of XXXX The payment received paid of the balance and more, {$200.00} more. I have been waiting to get my refund check since XXXX of XXXX. I did a initial call on XXXX XXXX to check the status I was told it would be 45 days. I called back on the following dates : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 times that day ), XXXX XXXX ( twice that day ), XXXX XXXX Each time i called I was told I should have gotten my check already. Sometimes i was told my check " failed '' in processing and needed to be manually done. I was told this was done on multiple occasions and that i would get the check in 7-10 days. So after a week I would call back and be told the same thing. When i asked to speak to a manager i was told i had to physically write a letter to them regarding this issue if i needed to escalate my refund. I am told that the customer service department has no way to talk to their " payment processing '' people all correspondence is done via email. They also do not follow up with the customer, instead they tell me I have to call back to get an update ; when I do call back there is no update and they " send another high priority email. '' It seems unfair and unlawful to continue hold onto the credit from my loan balance. I paid the loan off in full and it has been XXXX months and multiple calls with them and I essentially continue to get the run around.
Please help.
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| 10/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX, my XXXX XXXX XXXX was stolen over the holidays. I kept in touch with Kia Motor Finance throughout the entire ordeal to inform them that there would be a balancing remaining after the insurance and GAP mailed payments. The remaining balance was over {$13000.00} and I requested in writing a payment plan. I was given over the telephone a payment option of {$2100.00} per month for 6 months. I requested numerous times to speak to a supervisor so that I could make other reasonable payment arrangements so that my credit would not be damaged. Within a period of time, my account was charged off and reported negatively on my credit. As of XX/XX/XXXX, I initiated arbitration with Kia Motor Finance and XXXX XXXX. I was told that XXXX XXXX was collecting for Kia Motor Finance and the debt was not sold. XX/XX/XXXX, Kia Motor Finance did not answer to arbitration and XXXX XXXX sold the debt to XXXX XXXX XXXX. I was again informed that Kia did not sell the debt. XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX inquiring about arbitration. I was informed by XXXX XXXX that his law firm was attempting to collect and he would ask his employer ( Kia Motors ) to delete the trade line from my credit report if I could pay at least half of the balance and make payments. What I was unaware of at the time, was that XXXX was also hired to collect on the balance. I decided to settle with XXXX on XX/XX/XXXX. I have attempted to make contact with Kia Motors Fiance to request that the trade line be deleted from my credit reports as I have settled and paid in full. I have already suffered from the affects of the negative reporting by Kia Motors Fiance and I have settled for the amount that Kia Motors authorized XXXX to offer.
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| 10/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX we purchased a XXXX XXXX. On XX/XX/XXXX the XXXX was totaled in a car accident. Our insurance, XXXX XXXX, paid XXXX XXXX XXXX via check. We were under the impression that the GAP insurance we received from XXXX would cover the additional amount - because that is what GAP does. XX/XX/XXXX, we were notified that we were given inadequate GAP insurance and still owed to XXXX. This means that it had been over 60 days since our last payment which was made in XX/XX/XXXX - I must also add that we paid in XXXX because we were told it would count against us but that we would not have to pay after while GAP was being sorted. We begin our payments - always over the phone via debit - because they shut our online account down. We had paid on time leading up to the accident, always online. We never received communication from XXXX XXXX XXXX in regards to what was owed until the payment was late by months - we were always unaware of what was left owed and would make payments when we were called. If I must add we were also in poverty at this time.
From XX/XX/XXXX-XX/XX/XXXX we were consistently listed as current and on time with XXXX XXXX XXXX. In XX/XX/XXXX I realized that they were still on our credit although we had fully paid them off. I disputed this. Unbeknownst to me, XXXX then maliciously put us in " Charge Off '' status from XX/XX/XXXX-XX/XX/XXXX. This obliterated my credit score and ruined my chance of getting a mortgage. A company that has always put us as " on-time '' has ruined our credit after being paid.
To top it off, in XX/XX/XXXX XXXX also approved us for a car loan at {$32000.00} price. We ended up going with another car, but for someone in " charge off '' status - a {$32000.00} loan seems odd.
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| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I purchased a new car and also made sure to include GAP insurance in the event the worst possible scenario happened, and it did happen. My new car was totaled in XX/XX/XXXX. I went through the process, but the last final process has been a persons nightmare that did everything by the books to make sure not to have issues with payments and negative credit reports. I am being held liable for Kia Motor finance and XXXXRe ( Gap ) not dealing with my claim in a timely manner. XX/XX/XXXX through XX/XX/XXXX, I was calling both companies almost every two weeks to make sure my claim was being taken care of. Kia was stating they were sending the documents to XXXXRe, but XXXXRe was stating they were not receiving the documents. In short, I did everything in my power to make sure this was being taken care of properly as an active duty service member who was on orders away from my home address. This has been paid in full now by XXXXRe, but my credit report took 100+ credit score decrease, Im at risk of losing my job, even though I am not at fault for the gap insurance company that I purchased through KIA at the time of purchase didnt receive the documents on time. I purchased Gap insurance so I didnt have to come out of pocket. Now I have to deal with this sitting on my credit even though I did everything as an individual within my power. I have made numerous credit disputes, but KIA will not change the delinquent account and negative payments on my credit report. It has been paid in full. I have never had late payments, delinquent accounts, and etc. Due to the nature of my job, I cant have things like this sitting on my credit reports. I have been on the run around since XX/XX/XXXX and its getting out of hand at this point.
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| 09/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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Due to Tropical Storm Ida, our leased car flooded and insurance declared it a total loss. We proceeded to contact Hyundai and they gave us the runaround on the payoff amount even though the insurance kept asking for it. I was able to have a three way call with them where they stated the payoff amount was around XXXX. Insurance sent them a check for over XXXX. They received said check. We were told the moment we reported the loss that we no longer had to make additional payments ( we have it recorded ). Our account has been placed on delinquent status. On top of that we have called 3 times today and each time we get a different excuse. First, oh its only been 6 days, it takes longer than that. Second, well the processing department is being slow. Third, well gap insurance needs to be filed ( makes absolutely no sense given the fact that they were paid more than what the number they gave was ). Lastly, oh insurance didn't send some paperwork we need ( however, when pressed they stated they had not contacted insurance and they sure as heck have not contacted us to let us know ). So which is it? At the end of the day, they are either trying to steal our money ( any amount higher than what they stated needs to be refunded to us ) or they are just the worst company ever. Their elusive total loss department can not be contacted. Our account is delinquent and they refuse to fix it. They refuse to fix the issues and it is having an impact on our credit which is unacceptable. We want this resolved and we want it resolved now. There is no reason why this needs to be so hard. There is no reason I should be dealing with this 10 days post partum. Hyundai Motor Finance is preying on people and they need to be investigated.
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| 06/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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We went aloha kia dealer and got a brand new car the sales man explained to us the car value which we new it was worth XXXX we agreed to getting the car for the XXXX and monthly payment of {$780.00}. So when we did the paper work he went over the charges as far as we know it was only one letter that was explained to us such we signed for the sales man made us sign the main contract first and after we sighned the main contract he made us sighn electronically on a blank white screen on his computer and was also rushing us to sighn the white blank screen because he said the screen will time out and he would have to dtart over which we were never acknowledge what was those signitures for so we went home and went over the other papers he put in the yellow envelopehe gave us with the main contract we had sighn which we knew the car was worth XXXX finding out wen we were going through the other paper he shoved in the yellow envelope we find out that the electronic signiture we had did on the blank screen was copied. And pasted on other documents that were never explaid or acknoledge for any reason we find out that the actual price for the car was not XXXX but XXXX we also seen that are signiture was copied and pasted on the a really important document that was never shown or explained to us such is the federal truth and lending disclosure we were never shown or explained the dealer accepted to unwind the whole contract but wen they came to pick the car up they wanted me to sighn a paper that was basically making me waive my rights and wen I told them that I wasnt gon na sign they decided to brake there promise to unwind the contract also the car only had 12 miles and now it has XXXX and it broke down it not useable
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| 09/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/2021 I called in to check the status of my account, the CSR told me to make a payment of {$450.00} online and pay a late fee of XXXX and they would remove the NSF of XXXX. I made two transactions with the CSR on the phone while making the payment through the website. Payments were received & confirmed. On XX/XX/2021 I received a notification that my account was debit {$450.00} from Kia Motor Finance. They did an EFT after they told me it was not " set -up '' because of faulted account issues. That payment was not authorized. I called back to ask for a refund and they refused to give my money back. They kept me in limbo for weeks. XXXX. Every time I called I was giving the run around. they also stated that I was not the primary account holder. Then they told me my son was the primary account holder and I was just the co-owner, and they were going to send the refund check to my son. They did NOT receive any payments from my son ever I have proof. They did NOT auto draft an EFT from his bank either. All funds, payments and fees were from my account. The buyer agreement states the buyer and co buyer. I have proof. I called again on XX/XX/2021 at XXXX to ask the status and I got the same run around from a special " agent '' XXXX that they were going to issue out the refund correctly & post to my account after I explained I was not waiting for another 30 days for payment. I called again XX/XX/2021 to check the status and nothing was done and my account has been placed in collections for payment that was due XX/XX/2021, with additional fees. I feel they are messing up my credit score and racially profiling. This is an act of manipulation and deceit. I haven't received a refund for a payment a month later.
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| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have consistently made {$100.00} additional principal payments towards my loan each month with the intention of reducing the overall interest paid and shortening the loan term. However, to my dismay, I discovered that HYUNDAI CAPITAL AMERICA has been improperly handling these additional payments. Instead of applying them directly to the principal amount, as requested and agreed upon, they are holding these funds and only applying them to the next scheduled payment.
This HYUNDAI CAPITAL AMERICA practice has several negative consequences : Increased Interest Payments : By delaying the application of additional payments to the principal, HYUNDAI CAPITAL AMERICA is effectively prolonging the loan term and causing me to pay more interest over the life of the loan than I had initially intended.
Violation of Agreement : When I made these additional principal payments, I did so with the understanding that they would directly reduce the principal balance of the loan. HYUNDAI CAPITAL AMERICA 's refusal to apply these payments as intended unless I call every month, hold on the phone and actually speak with a service agent to request said extra principal payment be applied to the principal violates the terms of our agreement.
Financial Impact : This improper handling of payments can have a significant impact on my financial goals. I am being deprived of the benefits of early principal reduction, and this may affect my long-term financial planning.
Lack of Transparency : I believe that HYUNDAI CAPITAL AMERICA has not been transparent about their policies regarding the application of additional principal payments. If I had been aware of their practice beforehand, I might have reconsidered my financial strategy.
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| 02/27/2019 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I leased a XXXX vehicle for my daughter. My daughter was involved in a crash and the vehicle was " totaled '' out. The crash occurred sometime in XX/XX/XXXX. I went to XXXX and leased her a new vehicle, XX/XX/XXXX. Never hearing anything about my daughter 's first car I thought everything was clear/clean.
Fast forward to XX/XX/XXXX I received a credit bureau alert that I had a {$1000.00} chargeoff on my account. I went to the website and discovered it was for XXXX XXXX XXXX XXXX. I called XXXX to inquire and was told that the insurance company apparently had a {$1000.00} deductible and that they had sent me a bill in XX/XX/XXXX. I can not imagine that they only sent me one bill however the customer service rep confirmed they sent nothing else or no phone calls to tell me about the issue. I had to move money from one account to another and had the chargeoff paid within a few days. I understand that this is something that I must dispute with my insurance company and definitely would have done had I know there was an issue. I am in the process now of doing this with my insurance company.
The problem is that now this chargeoff is on my credit reports and it caused a significant drop in my score. So I sent a letter to XXXX XXXX XXXX respectfully requesting that they consider removing the chargeoff, since I had no idea I owed the {$1000.00} and according to them they only attempted to notify me one time in 7 months despite the fact I have two additional accounts with them. All in good standing.
I received a letter back from them saying that it will stay on my credit report and that they were accurate. This has been absolutely devastating especially since I will be attempting a home refinance within months.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/XXXX I changed my lease by trading in my XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX with the pull forward option Kia was offering. The sales rep stated that in order to take advantage of this deal I had to make 4 payments on the XXXX lease and I would qualify for NO down or deposit on the new XXXX lease. I made sure to make the 4 payments required as I only needed 8 payments to finish my XXXX lease contract. Which then the sale rep stated that they would take care of the last 4 payments. At this moment XXXX XXXX has yet to make the last 4 payments that was agreed upon when turning in the XXXX Kia lease and leasing a new Kia with them. As a result of their false promise I find myself being affected as well as my credit has taken a plunge due to their lack of professionalism and not following through with what was agreed. To include I am being charged {$260.00} disposition fee when I faithfully stayed with XXXX and leased my new XXXX XXXX the same day as I returned the XXXX.
Attached you will find the paper work from XXXX XXXX when my tag was transferred from the XXXX to the XXXXXXXX XXXX. I request the {$400.00} disposition fee to me removed being that I stayed with Kia. I request the XXXX to be removed I did in fact return the car the same day and terminated my lease under the push forward program.
In the attached paper you will see email traffic from the dealership manager accepting fault additionally you will see email traffic with KIA Motors XXXX stating they can no fix the issue due to the dealer being sold to new management and not being able to verify the information.
Ive attempted correcting this information through all avenues. I am not being heard and my evidence is not being viewed.
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| 04/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
|
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Web |
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I returned my Kia lease at NJ XXXX XXXX dealership on XXXX. I paid the final bill on XXXX to KIA Finance. I was given statement by KIA that my account is closed and paid in full. Subsequently, later that month I received bill for overage miles and lease return fees, I quickly called to inquire and was told thats just an error based on delay in billing. I was again sent a paid in full letter on XX/XX/23 to reassure that my account is closed and no further payment is necessary. XX/XX/23 I was notified that my credit report was impacted due to supposed unpaid balance from KIA finance. I called KIA finance to inquire and was told the account is closed and paid in full and there is no known bill or way to pay. After endless time energy and hours on the phone with conflicting reports from different representatives, being ping ponged back and forth to various departments I was told the bill is valid but even though I had no way to possibly know about the bully or pay it until now because of their dysfunction and error I would still be liable as though it was overdue. I am not even disputing the validity of the charge rather the fact that my credit was now impacted by a bill that I was unaware of and unable to pay because of KIA finances awful delinquencies. Additionally none of the information post on my account is accurate or reflective of what I paid. For example the last paid in full letter I received ( the link to the paid in full letters expired so I had to request a copy of the letter again once I couldnt access it ) this letter was different than the previous and stated my final payment was in XXXX XXXX which is entirely inaccurate ( I had closed the account in XXXX and my final payment was {$600.00} ).
|
| 11/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Customer service representatives did not facilitate the state-to-state transfer in accordance with XXXX policies or state law.
Customer service representatives did not take responsibility or accountability for correcting their mistakes in a timely manner on multiple occasions.
Customer service representatives refused to let me speak to a supervisor on several occasions.
Supervisors/Specialists did not take accountability or responsibility for correcting the errors and facilitating the transfer in accordance with XXXX policies. Customer service supervisors failed to assist when it was clear that the representatives had repeatedly dropped the ball and failed to take care of the issue.
XXXX released my private, electronic financial information to an entity that I did not request nor consent the release be made ; in fact XXXX released my private, electronic financial information to an entity that I expressly stated I did not it released.
6. I filed a written complaint with XXXX via certified mail. A representative called me when I was unable to take a call, twice. I have called back approximately 10 times and left messages with the representative requesting a call back and have not received one. When I call the customer service line, I get a representative who can do no more than what happened for the previous months trying to get this handled.
7. I am getting emails from XXXX with someone elses name on it which has me highly concerned for the privacy of my own information and what will happen to my title once the car is paid off.
I need help getting my title transferred to the appropriate DMV in a timely fashion.
I have a significant amount of detailed additional information about this issue.
|
| 07/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/2021 Kia Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX, Account number XXXX Vehicle Title Dear Sir, Consider this a complaint letter. Here is the story : On or about XX/XX/2021, I mailed a check for {$10000.00}, payable to XXXX XXXX, to your lease end office ( see USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). There is evidence the payment was received and processed. This payment was a payoff of the remaining balance for my lease. My expectation was that I would receive a lien released title within a reasonable timeframe.
However, as of today, XX/XX/2021, my lien released title has not been received.
I have called your Customer Service multiple times asking about the status of my title ( please review my account records for the applicable dates ). Each time, they have requested information that has already been submitted on multiple occasions ( Odometer reading, North Carolina Bill of Sale ). Your online portal indicates these items have been received. However, as of today, no one in your customer service group can provide a status regarding my title, and/or when my title will be delivered to me.
Ultimately, I would rate your customer service as a 2 ( on a 10 point scale, with 10 being the best ). Although your staff was reasonable courteous, they were useless in resolving the issue. This is very poor customer service.
Anyway, please provide any information related to locating and delivering my vehicle title.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX Cc : XXXX CFPB XXXX XXXX, President and CEO, Hyundai Motor America, XXXX XXXX XXXX, Vice President, Customer Satisfaction, XXXX XXXX XXXX, Director of Quality and Service Engineering, XXXX XXXX
|
| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I moved from XXXX to XXXX. I started the process to get my car title transferred from Hyundai Motor Finance in XXXX through XXXX XXXX XXXX in Audubon so I could register my car in the state of Pennsylvania. I called Hyundai Motor Finance multiple times in XXXX and XXXX for updates on the title transfer process - each call an agent would tell me a different thing. Sometimes they said the process would be completed in a few business days, sometimes they said they were waiting on documents ( even though the documents were already sent and the Auto Tags location confirmed they received it ), sometimes they said they couldn't send the title because it wasn't a notary location ( XXXX XXXX XXXX is a notary location ).
Hyundai Motor Finance would give me false timelines- they would say I would have an update in XXXX business days and I would call back in XXXX business days and they would say they have no updates and no information on when the title will be processed or when it will be sent. It is now the end of XXXX, I still do not have my title to complete my car registration in Pennsylvania, and I received a letter from the DMV that my current California car registration will be revoked and I will lose my license if the registration is not completed by the end of the month.
I am at a loss here- I can not get someone from Hyundai Motor Finance to tell me a real timeline or what the hold up is. I'm given different information and timelines every time. They told me on XX/XX/XXXX that the title was printed and just needed to be sent via mail and will be completed in XXXX business days, but it still has not happened. I am going to lose my car registration and license because of their business incapabilities.
|
| 02/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I leased a car from the Hyundai XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score.
Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XX/XX/XXXX/XX/XX/XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again.
Another few months pass ( now it is XX/XX/XXXX/XX/XX/XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it.
I then go to the Hyundai dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The managXXXX of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the HMF Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
|
| 10/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
In XX/XX/2020 I was trying to pay the car off. The payoff amount was about {$1100.00} more than the loan. I was in a family emergency then so I just made the regular payment. As of XX/XX/XXXX my account page showed a credit of {$340.00} and a payment due of {$730.00}. I tried e-mail but got a generic response. On XX/XX/XXXX I called customer service. After several minutes I requested to be transferred to a supervisor. After much more time with the supervisor she did some calculations and said that I had over paid the loan and should receive a refund and title within 5-7 business days. More family issues so I did not call again until XX/XX/XXXX. Again I had to go through the phone tree to get a supervisor. Same conversation. I had overpaid and was due a refund. I asked about what happened. Evidently these " supervisors '' do not not have any authority to fix the loan and can only create an e-mail to that department on what the issue is. I called again XX/XX/XXXX, as I hadn't heard any updates. Same conversation again.
On XX/XX/XXXX I received a delinquent payment notification. On XX/XX/XXXX I again called, but was transferred to the collections department. After being transferred to customer service and then to a supervisor yet again, that supervisor again agreed that I was due a refund and the title. Today I was again told 5-7 business days. I have also contacted Hyundai corporate by e-mail. There response was they do not mediate in these situations. I also contacted the dealer where I purchased the car with the same results. No explanation was ever given as to why the {$1100.00} difference from what is owed and the payoff amount. Each of these calls takes about an hour and are very frustrating.
|
| 07/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I am a new customer of Hyundai Finance and my first payment on my car loan was scheduled to be due on XX/XX/2020. I called Hyundai Finance on XX/XX/2020 to request that the due date be change to the XXXX of each month to match when my husband and I get paid. I spoke to XXXX who informed me that the requirements to changing the due date where ( 1 ) Loan must be current ( which it was on XX/XX/XXXX ) and ( 2 ) Change can only be done twice in the life of the loan ( which this would have been the first change ). Since I qualified for the payment due date change, XXXX advised me there would be no problem and the due date was changed to XX/XX/2020 and to the XXXX of each month there after.
We presumed that the due date had been changed as XXXX confirmed until we received an email on XX/XX/2020 that my loan was now past due. I called Hyundai Finance on XX/XX/2020 after receiving that email, I was given conflicting information that the request was still in progress, that the change was not processed, etc. I was transferred no less than 5 times, put on hold for several hours cumulatively. I was finally transferred to a Supervisor by the name of XXXX ( # XXXX ) who did not care what XXXX had ensured me had been done on XX/XX/XXXX, informed me that now no change could be made to the due date because the account was now one day past due and therefore not current and informed me that a due date can never be changed to the XXXX of the month. I was brand new to this company, called on XX/XX/XXXX way before the due date, and requested and was granted a due date change to the XXXX of each month by XXXX. I relied on that fact and now I am being penalized that XXXX did not do his job right and I relied on it.
|
| 11/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
1. I leased a car from XXXX XXXX in XXXX XXXX on XXXX/XXXX/2016.
2. The vehicle had XXXX miles. The vehicle has a previous lien on it from XXXX, which prevented Title to be sent to XXXX DMV. I had n't driven the car outside of XXXX or XXXX.. I have incorrect plates on the car.
3. When I Leased the car on XXXX/XXXX/2016, I requested XXXX registration. But changed my mind 4 days later. I went through the procedure and got Power Of Attorney from Hyundai Finance to sign when the title came in.
4, The Title from XXXX never came to the XXXX DMV. The DMV told me it was on hold because theer was a lien in the Vin #.
5. I called the Lien Holder and they said the Lien was on Hyundai Finance.
6. Hyundai Finance does not acknowledge the lien. I had n't driven outside of XXXX or XXXX. I had n't taken it to XXXX. XXXX XXXX in XXXX, said they had no record of me, XXXX XXXX. The lien was n't mine. It was Hyundai FinanceXXXX
7. neither the Dealer, XXXX XXXX , or Hyundai Finance has acknowledged the lien as theirs.
8. They have done npthing to resolve this. I LeASED A CAR WITHOUT A CLEAR TITLE.
9. Furthermore, if the car had been towed and been in an accident ... it was not disclosed to me.
10. I am driving with XXXX plates and XXXX insurance ... unable to get XXXX plates.
11. I am about to go to XXXX for 4 months. If I have to come back to change plates and registration, it will be an expensive airline and rental car expense. I think the Hyunddai Finance Co or XXXX XXXX should pay this expense, because it is their fault ... not mine.
Please help me get a clear title, have my lien expunged, and enable me to get XXXX plates, and compensation for the additional travel expense.
Thank you, XXXX XXXX
|
| 03/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My fiance and I purchased a XXXX XXXX in XX/XX/XXXX. We acquired a loan of roughly {$12000.00} from KIA Motors Finance with the term of 36 months. There is no pre-payment penalty.
We have made every loan payment on time, and paid off the entire loan in XX/XX/XXXX. The account has been closed in XX/XX/XXXX. However, our lienholder KIA Motors Finance would not release the vehicle title. When we registered our vehicle at the DMV, it still shows KIA Motors Finance as a lienholder. It is almost 6 months after I have paid off my auto loan but our lienholder is reluctant to release the title.
I have been repeatedly contacting KIA Motors Finance to solve this issue. I made phone calls in XXXX, XXXX and XXXX to their customer service department. I have also wrote multiple emails to their customer service in XXXX. Every time the representative verified my account is fully paid off, I am " all good to go '' and they are " working '' to release my title. However, no one will disclose to me why it is taking so long and when will my title be released. It is almost 6 months and they are still " in progress '' of releasing my title. This is completely unacceptable for a lienholder in the state of California. Lienholder need to release the title within 10 days of the account being paid in full.
I need to move and I desperately need to sell my vehicle. But I can not because KIA Motors Finance is illegally withholding the title of a property that I have fully paid-off half a year ago. I am suffering huge financial loss of parking/not being able to sell my vehicle while I am away. Till this very day, no one from KIA Motors Financial is willing to let me know what is going on or when can I get my title.
|
| 05/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a car from Hyundai and mailed my first payment to the address in my coupon book for more than the required monthly amount due.
Hyundai Kia Motor Finance Company XXXX. XXXX XXXX XXXX, TX XXXX First pmt due date - XX/XX/2020.
Payment received and cashed by Hyundai - XX/XX/2020 XXXX statement was received in the mail on Tuesday, XX/XX/XXXX saying I was past due. I verified the payment was sent and received by the appropriate date - Hyundai has misapplied my payment or posted it to another account and now they are negatively impacting my credit and charging me a late fee for their error. This is my first car buying experience and Im very upset.
My payment was sent via bill pay by XXXX XXXX. Confirmation XXXX.
I submitted an inquiry to Hyundai and they have not responded in their stated SLA. I called the finance company tonight and spoke to phone representative XXXX XXXX who failed to assist nor track down which account they wrongfully applied my payment too. She refused to waive my fee and told me they would not adjust my credit score that I had to do that on my own. They transmit data in metro II format much like other creditors and have the ability to resolve credit bureau reporting via direct dispute or indirect. I requested to speak to a manager and she told me they dont have any managers as a result of COVID-19.
Im very upset with my first car purchasing experience, Hyundais Inability to apply a payment is resulting in negative customer harm. They are intentionally choosing not to assist and conduct the proper diligence to locate the application mistake. Again, Hyundai has my money and is requiring me to pay an extra {$700.00} plus a fee because of THEIR own mistake.
|
| 03/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I had a car accident XX/XX/2018. After the accident I contacted my insurance for car repairs. The insurance sent out a check with the amount of {$8800.00}, my name and XXXX XXXX name were on the check. XXXX XXXX has a complicated process. The body shop where my car is being prepared and held at, has to send XXXX XXXX proof of photos, invoices, and vehicle preparation proof. After the proof is sent through mail, i would have to wait a few days or weeks for XXXX XXXX could sign and send the check to the body shop. The problem was that XXXX XXXX sent the check out to the wrong address! After I waited for about 2 weeks, I decided to call XXXX XXXX and was told that they had made a mistake. Which was that they sent the check out to the wrong address. The check never appeared!! I had to then call the insurance to tell them what had happened. They had canceled the check, that was never found, and send another one to my personal address. After i received the check i was then told to send it back to XXXX XXXX as an overnight shipment. Then once again told me to send out the same documents i sent in the first place : invoice, photos etc. While this process is happening, I am being charged a daily fee for the car being held at the body shop until they receive and clear the check from the car repair. They do not allow me to send any of these proof documents through fax. I was told to send them through overnight shipment to speed up the process. I shouldn't even be paying for these things! I want my money back! This was their fault. Issues like this should be fixed! My car has been in the body shop for over 2 months. I have been having to rent out vehicles so i could be able to work and pay my bills.
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I leased a XXXX car from Hyundai Finance towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a XXXX XXXX by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but Hyundai Finance company reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for.
Looking for help from as this time was tough and they should have helped, besides Hyundai motor finance had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by Hyundai and the letter I sent them.
|
| 11/10/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/2022, I went to my bank and got a loan for an early lease buy out on a hyundai XXXX. We signed all the paperwork and the bank said all we have to is wait for hyundai to release the title so they can register the vehicle for me. The vehicle was originally leased by me and my daughter, it was registered in her name but she didnt want to continue the lease and bought a brand new hyundai and I decided to get a loan and buy it out early. Hyndai has very poor communication when I call, which has probably been 30 to 40 times in the last couple months, each person I speak to at Hyundai tells me something different or just the wrong information or not what the next person tells me even when calling five times in one day. My bank has called twice and has faxed Hyundai the paper work they claim they still need even though they have everything and have been paid fully by the bank and I have already been paying on my loan on my car that I cant register. It is still registered in my daughters name and now that she has moved away and she cant change her address because you cant have two vehicles registered and insured by the same person with two different addresses. The insurance is up in XXXX, her registration was up in XXXX for which we had to reregister it in her name, which I paid for and I have also already paid for my bank to register once they get the title. I have read numerous amounts of complaints against for the same problem and I work with somebody who paid off their car loan with hyundai, two years ago and still they dont have the title! I dont known what else to do, but I need that title now. This company is criminal for what they do to consumers! Please send me my title!
|
| 12/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I submitted a complaint to complaint.consumerfinance.gov with complaint # XXXX stating that my Leasing company Hyundai Motor finance is XXXX ) Harassing by incorrect credit reporting 2 ) Holding up my Tax refund from XXXX, XXXX county Post complaint, The leasing company and credit union corrected the credit reporting, however on the subject of Tax abatement and refund : - On XX/XX/XXXX the leasing company stated that they had applied for an abatement with XXXX County on XX/XX/XXXX, but has yet to receive a response. Should an abatement be processed, any refunded payment would be sent.
Till today on XX/XX/XXXX, I have not received any update from the leasing company for my tax credit.
Upon inquiry, XXXX county tax collector office stated that the letter, they received from the leasing company, requesting the adjustment is dated XX/XX/XXXX so they are not sure why they would claim it was sent in on XX/XX/XXXX.
They also stated that the refund letter that is required to be signed and remitted was mailed out to the leasing company on XX/XX/XXXX. XXXX Tax collector office is yet to receive it back from Hyundai Motor finance, which is causing the hold up.
In their earlier response to consumerfinance on XX/XX/XXXX, the leasing company : - 1 ) Had lied that they had filed for abatement on XX/XX/XXXX.
2 ) Had lied that they did not receive any response from XXXX county tax collector office.
My previous complaint to consumerfinance was closed without any action/help, and very conveniently, the leasing company, willfully, did not cooperate with tax abatement, in retaliation to my complaint.
If consumerfinance would take no action, why do such institutions exist?
|
| 06/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I returned my leased XXXX XXXX XXXX to XXXX XXXX at the end of XX/XX/XXXX. The final lease payment had been made on XX/XX/XXXX. My lease stated that I may owe an end of lease amount upon return of the vehicle. I asked three different people at the dealership, including the manager, if I owed any money as I was prepared to pay it that day. They all told me that nothing further was owed. In XX/XX/XXXX, four months after return of the vehicle, I received a bill from Hyundai Financial in the amount of {$460.00}. I returned the statement with a note to contact XXXX XXXX as they had told me that I didnt owe anything. I received another bill in XX/XX/XXXX. I again returned it with a note to contact the dealership. In XX/XX/XXXX I was notified by my credit monitoring company that my XXXX credit score had decreased by almost 200 points because of a report of a late payment by Hyundai Finance. I have called Hyundai on multiple occasions and was told to file a written dispute, which I immediately did. The Dispute Resolution Department does not take phone calls. I also filed a dispute with all three credit bureaus. I received a form letter from a Hyundai stating that my inquiry is complete and that if appropriate I would see a change in my credit score, which Has not changed since the 200 point drop. I dont understand how a company can bill me 4 months late and then report an invalid debt to the credit bureaus. I have had perfect credit for my entire life, I have never once had a late or missed payment. One erroneous entry from Hyundai has taken my score from excellent to fair. Noonefrom Hyundai Finance, XXXX XXXX or the credit bureaus will speak with me. How do I get this resolved?
|
| 09/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I accidentally made an double payment at the end of my lease term in XX/XX/XXXX. I called that same morning to alert them and they stated they could not reverse the charge and since it was the end of my lease the only option would be to send me a refund check. Needless to say this created an ongoing issue where they never actually sent me a check and furthermore, never credited the extra payment against my account. When i extended the terms of my loan another 6 months and was told this was all taken care of and the payment would be applied, I was erroneously reported as 30 days past due in XXXX. Had to make more phone calls, they assured me they would fix it and I was reported again in XXXX of XXXX. They put me through so much stress and effected me financially. I spent hours over those 5 months on numerous phone calls, speaking to numerous specialists, getting collection calls and letters every day. The worst experience I have ever had. Each time they said the call was recorded and that they were sorry and everything would be resolved, so there should be no issue to investigate and remove these derogatory marks from my report which have already caused my APRs to increase on my other accounts and caused my auto purchase to have an outrageous payment and my refinance to be denied. This is effecting my credit and my life. They have put me through so much stress, all because I made an extra payment at the end of my term and they didn't know how to handle it. Please look at my credit history, I am not XXXX to be past due on my accounts. Please help! I already reported through XXXX and sent letter to XXXX and they continue to do nothing. I attached a file with further explanation.
|
| 11/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Kia Motor Finance took two payments this month from my bank account. I called customer service because of the error by Kia. At first they were fine in reversing the payment ; however they said they would mail me a check in 10 days. I asked if their was some way to expedite it and if they could include the cost for the NSF fee my bank may charge. The initial person basically ignored my request and just restated i would get a check in 10 days. So i asked to speak to a supervisor. This is where the problem began. The supervisor. I believe her name was XXXX said she would not do anything because they were not responsible for bank fees and seemed to insinuate she would not refund the payment to me. She then tried to blame me saying the reason it came out twice was because I made a payment then set up auto pay which came out on the XXXX. However their own website said my auto pay was set to begin on XXXX/XXXX/XXXX. When I asked her why she just continued to blame me. Not only do I know I did not set up auto pay to start on XXXX Kia Fiances own website confirmed it was not set up that way. Not only did she threaten to not refund the payment but when I asked her for her full name she refused. I asked for the name of the previous person and her answer was imply " no '', and when I asked to speak to her supervisor her answer was again " no ''. Then I asked to be transferred to the complaint department and she transferred me to a totally unrelated department that when they answered told me they were the wrong department. This is a major Reg E violation. Not only did they not help but the manipulated the facts to shift responsibility the customer service supervisor should be reprimanded.
|
| 04/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
To whom it may concern, On XX/XX/XXXX my 2021 XXXX XXXX was totaled by another driver. The Settlement value was precisely {$23000.00}. The Value evaluation from XXXX is included in an attachment. {$19000.00}. XXXX sent a check for Hyundai on XX/XX/XXXX. The check was received on XX/XX/XXXX and processed and cleared on XX/XX/XXXX ( see attached ). Hyundai owes me precisely {$3500.00}.
However, ever since the account has been overpaid, Hyundai has refused to close my account and have allowed late charges to occur. Since XX/XX/XXXX, I have reach out to Hyundai every single week. I have never got a clear answer, I have been put on hold only to be hung up on. Many times, I have been told a financier needs to close the account, but they seem to always be on lunch or done for the day. I have been told multiple times they would call be back, that has still to this day XX/XX/XXXX ( XXXX months later ) has never happened.
XXXX has also tried to help me. I was told by a rep from Hyundai that they needed to talk to XXXX before they can close the account. XXXX tried, see the report on the interaction between XXXX and Hyundai attached. Progressive has told me they have been told by Hyundai that they will call them back and never did, they have put them on hold and eventually hung up on them. XXXX has given me all the documentation I would need, and I have sent them to Hyundai with no response.
To say I am frustrated is an understatement. Frankly Hyundai should be ashamed of how they do business. What I want is my account to be closed like it should have been in XXXX, I want the fees that were added after wiped off, and I want the {$3500.00} owed to me. This has gone on long enough.
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| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
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| 03/23/2017 |
No |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a car from Kia in XXXX XXXX. I made the final lease payment, and payoff payment in XXXX XXXX per the contract. I sent a check and an Odometer Statement that they asked me to download from their website. They cashed the check in a few days, but the title never came. I called and first they claimed they never received the check. I offered to send proof they cashed it. They changed their story to claiming they did n't receive the Odometer Statement even though it was in the same envelope. I faxed a new one per their request. A couple of weeks later they changed their story to me owing them {$13.00}. I offered to pay that amount. The rep put me on hold, then came back and said no money was due and the problem was that they still did n't have the Odometer Statement. I faxed the Odometer Statement two more times per their request. I called back after a couple of days and the rep told me that there was a balance due. I asked how much and she put me on hold. She came back and said there was no money due, but she did n't know why the title was never sent to me. After being transferred a few times I finally got disconnected. Every time I call they have a different reason as to something I did n't send them. I filed a BBB complaint and I got a call from a Kia rep who said her department handles consumer complaints. I explained again what all happened. She said the only thing she can do is give me the phone number to the Kia department that handles titles. But she said she could not do anything about getting the title sent to me. The only thing she can do is give me a phone number ( same I already have been calling ) in case I was calling the wrong department. Still no title
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| 05/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XX/XX/XXXX : Car Accident where vehicle financed was deemed a total loss by Insurer.
XX/XX/XXXX : Original request for Letter of Guarantee ( LOG ) sent from XXXX XXXX to Hyundai Financial. LOG is necessary to guarentee title once bank is paid off.
XX/XX/XXXX : 2nd formal request sent from XXXX XXXX to Hyundai : Hyundai confirmed they received the request and it would take 3-5 days for processing.
We have called to follow up on the dates below and each time they state it will be 3-5 business days.
XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX informs LOG was faxed on XX/XX/XXXX. XXXX XXXX stated they haven't received it and they don't have a way to contact the fax provider to request a search.
Called several times after including today ( XX/XX/XXXX ) and still same answer of 3-5 business days. Writer initiated a compliant w/Hyundai Financial and they have not replied. Complaint now initiated w/XXXX and Consumer Financial Protection.
Original amount financed is {$29000.00} through Hyundai Motor Finance XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX : XXXX XXXX XXXX will pay : {$15000.00} ; GAP insurer can't move forward until Hyundai issues the LOG, XXXX XXXX pays, and all documentation is sent to GAP.
Meanwhile Hyundai is still biling me monthly on a vehicle which they are creating a barrier to complete payment and close out loan and the vehicle is no longer in my possession. I've now started to pay on another vehicle ( 3 months later ) and can't afford to pay both payments and now I'm worried if I don't pay Hyundai they will report me for being delinquent which will affect my credit rating. This is in no way noble, honest, or reputable.
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| 02/07/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I head leasing car with Hyundai, after my leasing over, I went to replace my car, I came to dealer agency in XXXX XXXX they checked my car, after we talked about the price and agree about my returning of the car and condition and term of the new lease, all was verified all was understood, I agree to take new car and start to pay new amount, after few month I recieve collection in my credit report from HYUNDAI XXXX XXXX I called them to understand whats the problem they said that I owe them XXXX dollar for the old car I return and they checked, no need to say I didnt got any latter any phone call about this small small debt, all this time, only when the collection apear I know about this debt, regardless I dont know even why do I owe this amount XXXX dollar, we agree at the dealer all conditions and payment and conditions of my old car, why after so many month they want to charge me about my old car more money, ( cause they found somthing in my return car ) they agree to take my car after they check my car and agree to take new car, otherwise we could solve this on the meeting, they cant agree for all conditions and after few month to say sorry you still owe XXXX dollar, give me the chance for fair deal or to agree or not, with unfair feeling I paid that owe ( I cant have collection in my report ) but the collection/amount stay at my credit file and damage my credit, i try to called them but they didnt want to delete that from my report, I just ask to remove that collection from all XXXX credit report agency, even if its not fair deal, they just want me to stay with them no matter what they will do after I walk with new leasing from the dealer, this is not fair Buisness
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| 04/25/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I leased a vehicle from XXXX XXXX hyundai in XXXX of XXXX on or shortly after the XX/XX/XXXX . I began having financial troubles with this lease and contacted them to see if I could get a later due date other than the XX/XX/XXXX . They ( Hyundai motor finance ) suggested going back to the dealership and ask if they can draft another contract that reflect a later date and would go forward from there. After numerous payments in excess of monthly amount ( that I did not get a copy of ) {$570.00} is what I 'm told is my payment on the ( hyundai motor finance App ) both copies of the lease that I have indicate different amounts. attached are numerous pictures of contracts due to the size of the forms and screen shots from the hyundai app.In essence the lease was told to me that changing the date is not likely and if it was the amount would be prorated indicating that I would have to pay more than already paid.Also paying for a maintenance contract ( was n't given ) {$1500.00} and a service contract ( was n't given ) {$250 0.00} that i had a discussion with XXXX XXXX after recieving her email regarding lease vehicle mileage. we spoke about the differences in lease contracts mentioned earlier and made copies that she was submitting to the general manager of XXXX hyundai who took over from XXXX XXXX and lastly just yesterday service was told that the oil change was not covered with being told by finance rep XXXX XXXX that I was only covered for 24,000 miles ( n o contract given to reflect this information ) i.e servicecontract or maintenance contract. please feel at liberty to contact me for further information upon review of this compliant.
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| 03/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American |
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I entered into this lease around XX/XX/XXXX and have made all payments as agreed.
We moved from XXXX to XXXX in XX/XX/XXXX and it took us three months of working with Kia to get the information needed to transfer the title. The process was extremely frustrating.
Then in XX/XX/XXXX I received a bill for an addiitonal {$28.00} per month for NC state property taxes. I sent Kia a registered letter documenting the fact that I paid the property tax at the time we registered the vehicle. I asked them to research and refund me the amount I paid or to explain why they were billing this amount after I provided proof of payment.
Then in XXXX I received another bill for Texas property taxes. Since we have not lived in XXXX for almost 6 months I asked them to provide me with more information about the taxes billed.
Since last XXXX I have made countless calls, sent numerous emails and three registered letters asking for more information and detail on the amounts being billed. I have not received any response to any of these requests.
Now I am receiving collection calls about these amounts and asking when I can pay. I have told them repeatedly that I am willing to pay once someone responds to my numerous requests. The collections agent says that they can not answer any questions and can not provide any assistance in getting the tax department to respond.
As you can imagine, I am at my wits end and feel this behavior by Kia is very unfair and borderline abusive. They are threatening to report me past due and stating that the calls are an attempt to collect a debt but they refuse to provide me any supporting documentation or information. I am not sure what else I can do.
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| 01/24/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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This is a follow up to case # XXXX. I was not able to respond to Hyundai 's " response '' prior to it being closed. I turned in my leased Hyundai on XX/XX/XXXX. In XX/XX/XXXX I received a bill from Hyundai for {$630.00}. I was aware of the {$400.00} disposition fee which was clearly disclosed in my signed lease agreement. I paid it on XX/XX/XXXX. I called and spoke with XXXX at Hyundai who informed me that the extra XXXX was for damages to the vehicle. I vehemently disagreed, there were NO damages to the vehicle ... NONE. He proceeded to tell me that they had photos to prove it, and described it as `` road rash '' on the right front bumper. I had at least one other conversation with people at Hyundai where they were very insistent that the fee was for these claimed damages. As a matter of principle, I chose to dispute this. Now, imagine my surprise when the in response to my last complaint, Hyundai themselves admit that the fee was NOT for damages ... .but rather for an early lease turn in. Make up your mind Hyundai!! I called XXXX XXXX several months prior to turning in the vehicle to find out about turning in early and was clearly told that I could turn the car back in as early as 120 days as long as all my payments were satisfied. I paid all of the contracted 36 payments on time, in fact ahead of time. No one at the dealership mentioned that I might be turning in early. So, Hyundai ( since they ca n't prove damages - because they were n't any ) now conveniently has come up with another reason for this fee. In the meantime they have reported the {$230.00} as " late payments '' and essentially tanked my credit score. Case of big business harassing the little guy.
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| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have contacted Hyundai motor finance on several occasions. I have contacted via call and mail about inaccurate payments history on my account as well as an automobile payment made in full not being updated. I didnt give consent to report on my consumer report and I am being violated.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 09/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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In XX/XX/2021, sent a dispute letter to XXXX, XXXX and XXXX to remove Hyundai Finance from credit reports according to 15 USC 1681B - Permissible purposes of consumer reports I did not give XXXX, XXXX and or XXXX written consent to report any information on my consumer reports.
XXXX deleted this reporting and this was recorded and reported to me via XXXX XXXX on XX/XX/2021.
This reporting is still taking place today on XXXX and XXXX, which is fraud. Hyundai Motor Finance has committed fraud and admitted by deleting information from XXXX.
On XX/XX/2021 I sent correspondence via certified mail to Hyundai Motor Finance information them that I am the ORIGINAL CREDITOR and I do not owe any debt to them.
I included the following : -Cease and Desist -Affidavit of Truth -Debt Validation Letter The certified mail receipt was signed by their agent named XXXX XXXX on XX/XX/2021.
Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance ( photo attached ) regarding information of the account # XXXX which details active account, dealership, VIN #, etc.
Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance with copy of Retail Installment Sale Contract with Finance charge information. The Finance charge was supposed to include insurance according to 15 USC 1605. Finance charge is the sum of all charges payable directly to the original creditor to whom sale was extended.
Letter dated XX/XX/XXXX, received notice of cease of communication of verbal communication but they will continue to send mail. Outstanding balance in full and repossession of the vehicle is also noted in letter.
Many violations according to 15 USC 1692 has been violated.
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| 10/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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|
Web |
Older American, Servicemember |
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I just wrote out the entire situation over the course of an hour and a half and while uploading documents - the entire state my disappeared. Its now very late I am Unwell Amd tored. May I just say that for the past 3 years I have been living a nightmare situation thanks to Kia Finance continuing to do Erroneous, illegal and frankly inane accounting with my account. They have refused to do anything to correct or even look into it and instead have co stantky taken my payments applied them them declined them then charged me a late fee and an INSUFFICIENT FUND fee ( when I always had the money in the bank and offered to provide them with statements from the cabinet which btw never charged me any fees because they never had to! This has caused my credit score to drop so low ( XXXX ) and is the only thing on my credit report but because of how low it is I cant even try to get rid of this car because I wouldnt be approved for a loan. I cant even now upgrade my cell phone ; move out if my apt or even get a secured credit card! And ironically also caused my car insurance to go up to {$300.00} per month and only due to my credit. Its the only thing on my credit report. They are now sending me letter after letter and call after call threatening to repossess the car when I make payments every month but wont pay the additional erroneous charges. They have made every aspect of my life a nightmare and I fear its because I had initially initiated a lemon law suit against them during the first year of ownership which I had to abandon after months because they refused to cooperate with my attorneys in any way and I could not afford the retainer required to move forward.
Yo m
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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On XX/XX/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX, ( XXXX ) XXXX, XXXX pursue vehicle purchase ). After completing credit application, XXXX, XXXX XXXX, I received updated information from salesperson, credit score XXXX ( Equifax ). Thereafter, I responded to finance office, met with XXXX XXXX, who advised. '' monthly note will be approx. {$400.00} ''. I did not accept this offer.
On XX/XX/XXXX, I contacted General Mgr. ( XXXX XXXX ), XXXX XXXX, to obtain additional information XXXX XXXX XXXX, and explore information XXXX XXXX XXXX. Afterwards, I did not accept offer. On XX/XX/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. I purchased XXXX XXXX XXXX. On XX/XX/XXXX, I received letter from XXXX XXXX XXXX XXXX XXXX, Notice of Adverse Action.
Additionally, on XX/XX/XXXX, I received Notice of Adverse Action from Kia Motors Finance, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : Application Number : XXXX. It appears because I didn't accept XXXX XXXX XXXX XXXX XXXX ' offer, they used the XXXX credit score ( XXXX ) to support sending the Notice of Adverse Action. If I would have proceeded with the offer, they used the XXXX credit score ( XXXX ).
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, Ga, XXXX, ( XXXX ) XXXX, is currently Lien Holders my vehicle. Please see attached supporting documents. Thanking you in advance for your assistance with this subject matter. It's also important to " Do unto others as you would have them to do unto you ''.
In closing, I agree to CFPB Publishing my description on consumerfinance.gov., with the understanding that ALL of my personal information is excluded.
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| 03/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I began this loan in XX/XX/XXXX with Kia Motors Finance- my car payment is {$460.00} monthly. I have always paid more than my car payment on every payment I overpay at least $ 400- {$1000.00} Yet..I have been unable to access my online account with them since late XX/XX/XXXX. This is the ONLY platform I can pay my car payment without a processing fee.
Therefore I have to ALWAYS pay a processing fee even when I want to pay fee free online because they refuse to give me access to their online account.
Additionally XX/XX/XXXX I was offered a deferment on payments with a 14 day window from XX/XX/XXXX ( even though they claimed to have emailed it on XX/XX/XXXX ) toXX/XX/XXXX return the paperwork which I NEVER received.
My email address and mailbox at my home has never received anything from them for this extension whatsoever. They still however reneged on it saying it expired being I didnt return the forms ( that I never received ) in 14 days.
When I asked today, XX/XX/XXXX, if I can apply the extra money I've paid over the years ( they put toward principal ) toward the current balance of {$930.00} I owe currently I was told they can not even speak to me or do anything with my account until I make one payment. Mind you my last payment was XX/XX/XXXX of {$200.00} and before that was $ 2,200+ in XX/XX/XXXX enough for 5 months.
I am currently out more money than I owe to this firm but am being treated like a crook. I loathe every interaction with them as they take NO accountability for any of their errors and hold customers responsible for them and even charge them fees just out of being unable to correct or explain why you cant pay online. Please help me.
|
| 08/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I picked the closest catagories possible in the unusual incident. I lease a Kia Sportage, never have missed a payment in the XXXX years since lease begain. Daughter was fully insured on the vehicle. Daughter found it to be stolen, reported it stolen. Police find it quickly impound the car,. XXXX Police Auto Pound never tries to contact me, only sent communication to title company which is Hyundai XXXX. Hyundai gets the certified mail and contacts XXXX Auto Pound, XXXXXXXX Auto Pound INCORRECTLY tells Hyundai the vehicle has been retrieved by person registered to, Hyundai moves on to next case. XXXXXXXX Police Auto Pound sells the XXXX Kia Sportage XX/XX/XXXX. Never once was I contacted or given any opportunity to pick up said car or even know about it to need to pick it up!! Nothing. I have never missed payment, fully insured, then bam daughter driving the car... I learned that daughter had been evicted which prompted me to look up the car since her phone was not paid and shut off. To my dismay I see the vehicle listed and SOLD! Still to this day nobody has contacted me. I found this out on my own just looking it up when hadnt heard from daughter. My credit is very important to me and I cant believe I am faced with suddenly this car having been sold! what? I cant comprehend how this could happen but it did and I really need help.Have spent countless hours on the phone with Hyundai XXXX, XXXX Police Auto Pound and Kia Finance ... none of which plan to take responsibility and instead plan to send me a bill to buy an entire car that was sold without my consent. I am still making payments on a car that is sold in an effort to not mar my credit in the interim.
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| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
Older American |
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Complaint against Hyundai Motor Finance ( HMF ) I am complaining against Hyundai Capital America aka Hyundai Motor Finance ( HMF ) ( which is related to Kia Motor Finance ), which adversely affected my credit which resulted in me being denied credit by some auto dealers, humiliation and defamation, for which I am seeking relief and damages.
In or about XX/XX/XXXX, I had signed a lease with Kia motor finance to lease a XXXX vehicle. According to the lease agreement my monthly lease payment was $ XXXX for a total of 36 months I paid all my monthly lease payments as stated in the lease agreement.
Somewhere in the middle of the lease period ( after over a year into the 3-year lease ), Kia started harassing me that I needed to pay a few XXXX dollars more. XXXX claimed this was some additional ( property? ) tax I needed pay. However, I was not the owner but a renter of the automobile and the lease clearly stated my obligations were as stated on the lease, namely $ XXXX for 36 months which I was paying or would pay as per the agreement.
Then, Kia ( aka Hyundai ) apparently reported me to credit bureaus as being delinquent on my auto payments by a few XXXX dollars.
Recently, in XXXX XXXX, when I was shopping around to get a new vehicle, I discovered that Hyundai had adverse information about me in my credit reports because of which some auto dealers denied me credit.
My credit report also showed multiple hard inquiries from Hyundai/Kia dealers or other financing entities which also adversely affected my credit scores.
This caused me great stress, XXXX and distress and harmed my credit standing and ability to purchase or lease a new vehicle that I wanted to.
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| 08/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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|
Web |
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I have been involved in a Consumer Credit Transaction for years now with Hyundai motor finance. Hyundai Motor Finance does require you to give my social security number to acquire services, my social security number/card is Defined as my credit Card Pursuant to ( 15 USC 1602 ( L ) - Means any card, Plate, Coupon Book or other Credit device existing for the purpose of obtaining money, Property, Labor, or services on credit. ) Whenever a Consumer is involved in a Consumer credit Transaction a Finance charge is involved and is the sum of all charges Pursuant to 15 USC 1605. Not only is the Finance Charge the sum of all Charges but does not include charges of a type payable in comparable cash transactions. Hyundai motor finance has taken multiple cash payments.
On XXXX Hyundai Motor Finance took a Down payment on a Consumer Credit Transaction for the Financing of a Vehicle in Exhibit B which is a Violation of 15 USC 1662.
As a Federally Protected Consumer Hyundai motor Finances has Violated my Rights Pursuant to 15 USC 1611 and is Criminally Liable for willful and knowing for not disclosing any finance charge involved with the account and taking cash payments in a Consumer Credit Transaction.
Hyundai motor finance has Failed to follow the Provisions on statements that are involved under Open End Consumer Credit plan ( 15 USC 1637 ) and is Civilly Liable Pursuant to 15 USC 1640 Pursuant to 15 USC 1692K Hyundai Motor Finance has Violated Multiple debt Collection Practices Violating my rights to Privacy and Has Closed my account for Failure of Payment in cash Transaction. When asking for cash Transaction in a consumer Credit Transaction is a Criminal Charge.
|
| 04/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I bought a new Kia vehicle on Sat XX/XX/XXXX. In the following week I set up the info online so that Kia Motors Finance ( KMF ) would be able to automatically draft the monthly payment from my checking account when payment was due. The first payment was due XX/XX/XXXX. However, my action in setting up the automatic draft info prompted their system to actually take a payment for the loan out of my checking account immediately, without my authorization. I contacted them on Mon XX/XX/XXXX to find out how I could get that refunded. I followed the instructions and provided them proof of this the same day. I was told it would take seven business days to process.
Followed up on XX/XX/XXXX as to status. Was told payment would be mailed on XX/XX/XXXX.
Followed upon XX/XX/XXXX but got no update status because people who process refunds were unavailable. Operator supposedly emailed them to request status update but never heard any more from them.
Followed up on XX/XX/XXXX. Told I could have the payment applied to my account since payment would be due XX/XX/XXXX. That would take three days to get processed.
Followed up on XX/XX/XXXX. After three attempts to reach a supervisor ( first two of which I was hung up on ), I was told the refund check was sent Tue XX/XX/XXXX from Georgia.
On Fri XX/XX/XXXX I received a call from XXXX with KMF. She told me the check was processed and mailed that day. I confronted her about how this information conflicted with what I was told on XX/XX/XXXX. I gave her an earful about all the lies I had been told throughout this ordeal with no resolution whatsoever.
I need to get this resolved and have no idea of where else to turn.
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| 04/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I leased a car from Kia Motors Finance on XX/XX/2018. It was stolen in XX/XX/2018. My insurance company ( XXXX ) at the time deemed it as a loss and paid Kia Motors Finance over {$19000.00} ( the value of the car at the time ). XXXX took the deductible out of the final check that they paid to Kia Motors Finance and in turn Kia Motors Finance stated that I have a balance of {$1600.00} due to the deductible that XXXX took out of their final payment. I called them and ask about the GAP insurance that was included on this Leased vehicle and they told me that the deductible is not included for GAP insurance. I told Kia Motors Finance that XXXX is not asking for the deductible because they have been satisfied and I am curious to know why Kia Motors Finance is acting as a insurance company.
Kia Motors Finance is now making me pay for my car being stolen even though it had GAP insurance and everything was taken care of through XXXX. I made a payment arangement with them to prevent it from going to my credit and keep it inhouse. Well it hit my credit report as a missed payment which made it go down by XXXX points. Then a week later they reported as a closed account delinquent with a balance which in turn made it go down another XXXX points even while being on a payment plan. I asked XXXX XXXX XXXX could they not hurt my credit because I am paying them as agreed.
I can not finish my home project because of this and I feel like I am suffering for something that was beyond my control.
The amount in question is {$1600.00}. I have paid them {$350.00} which should leave a balance of {$1200.00}. They have reported a balance of {$1500.00} and that it is delinquent.
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| 06/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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When returning the car at the end of the lease, we were told that a final turn-in payment is due - but could not be paid at the time ( I offered to pay it when we turned in the car but was not allowed ). We received the notice in the mail to pay the {$400.00} final bill, and we sent a check to them.
Less than a month later, we get a call saying they did not receive payment. I tell them the check number and date sent. I offer to cancel the check and pay by debt card ( or any other method they choose ), and was told " let 's wait another week to see if we get it - we know the mail has been extra slow with the pandemic ''. She says she will call back next week if nothing was finally received and we could pay with card then. I say OK.
No call back. a few weeks later we get another letter. I assumed it was " yeah, we got the check, here 's your final {$0.00} balance notice - thanks for using Kia Finance '' ... but nope. They say the still haven't received payment. I went to the website and immediately made the payment - something I offered to do before. I thought that was the end of that ... until I get a notice from XXXX XXXX saying Kia says I was 30 days late paying their bill.
I called Kia Finance who informed me I must write a letter to their credit department to dispute the claim. I did, explaining I followed their direction verbatim at every instance.
Just got a letter back from the Kia Finance credit department saying basically " nope - not changing a thing ''.
This is just wrong. Both times I wanted to pay ( at turn in and on the phone when they called ) and was told to wait. The are unhelpful, and seem to relish in deceitful practices.
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| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This complaint is in regard to my account with Hyundai Motor Finance.
I originally purchased the vehicle brand-new in XX/XX/XXXX. The loan was put in my name and my cosigner 's name. I haven't missed a single payment on the vehicle since I purchased it.
Later on, my cosigner filed for bankruptcy and the account was flipped to the bank. However, she was able to reverse her bankruptcy in Late XXXX, and the account was flipped back to her and I.
On my Cosigner 's credit report the vehicle loan was shown as active, open, and current, as has since the bankruptcy was reversed.
However, my credit report hasn't been accurate at all.
As you'll see attached, I did write Hyundai Motor Finance back in XX/XX/XXXX to dispute the information on my credit report.
They started reporting the correct information and my XXXX report has changed and has been accurate since. However, my XXXX report hasn't changed or been resolved at all.
I did open a dispute with XXXX in XX/XX/XXXX, where the results stated, " Verified as accurate and updated : the disputed item ( s ) was verified as accurate : however, we updated Rating. For two weeks, XXXX reported the account accurately with no payments missing and open.
Once XX/XX/XXXX rolled around, XXXX was once again reporting the account as closed with missed payments. I called to dispute and they told me that I needed to call Hyundai, as that's where they get their information. I called Hyundai and they opened up an investigation on their end. On XX/XX/XXXX, according to Hyundai, they sent over to XXXX the correct account information. I have started another dispute with Hyundai on XX/XX/XXXX, but have no results yet.
|
| 01/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In reference to the multiple letters sent, I am disputing the total charges due to the fact that Hyundai Motor Finance is unethically conducting business. I paid {$600.00} to Hyundai Motor Finance. Also, the third-party insurance was sold to me by your authorized XXXX Dealership and again the money was collected by Hyundai Motor Finance. We paid all monthly lease term payments on time, which is evident that we are orderly and organized when it comes to payments. Once I returned the car, I called Hyundai Motor Finance to receive an inspection kit, in order to file a claim with XXXX XXXX XXXX XXXX. We also forwarded the email to the insurance company on XX/XX/2020.
Call Log : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXXXXXX XXXX ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XXXX Hyundai Motor Finance failed to provide the inspection kit multiple times and the reason they failed to send it was because, according to them, there was a delay because of COVID-19. In reference to the call log mentioned above, I essentially chased Hyundai Motor Finance to provide the inspection kit. I also called the insurance company but they told me I can not file a claim unless I have the kit to provide to them. Now I understand why Hyundai Motor Finance is unethically doing business because it seems like they are purposely delaying the information I need to provide the claim. According to the insurance policy, the claim has to be filed within 90 days after the car has been returned. Again, mentioned above, the car was returned on XX/XX/2020, meaning it's been six months since Ive tried to receive an inspection kit from XXXX.
|
| 06/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
Hyundai Auto Finance. I contacted them and provided proof regarding issue with my internet service as it timed out at the time I was making a timely payment. I was not aware this happened until the account was 31 days past due which at the time a timely payment was submitted. Although my situation was noted while I called and ensured payment was made to a live agent, it was not corrected. Furthermore to this, I retrieved proof from my cable company XXXX regarding the ongoing numerous outages in the area during the entire month. I submitted proof and the issue was never resolved, hence they continue to report negatively severely impacting my credit. This happened twice once approx XX/XX/XXXX for {$200.00} and approx XX/XX/XXXX for {$200.00}. Hyundai Financial has continued to report 30 days late on the 2 separate occasions noted. As a result of these outages I have implemented measures to ensure this will not happen again. I dont have a problem with my employment as my pay is well above adequate for my cost of living and has consistently been this way for 4 or more years. My account has been current and I pay as agreed. I need my report corrected as reported by the three credit bureaus XXXX, XXXX and XXXX.
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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| 08/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
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I never received a title from Hyundai when I paid off the car back on XX/XX/2019, so I decided to request a replacement title from the DMV. Hyundai was still listed as a lien holder for some reason and I asked Hyundai to send me a lien release for the vehicle I paid off back in XXXX. They said they'd send it to me, but I never received it. I requested it again, and the system shows that they've reviewed my request and sent the lien release to me by mail, but it's been months and I still don't have it. DMV records show that Hyundai still appears to have a lien hold on my car.
First, Hyundai Motors was negligent in sending me the title they ought to have sent me when I paid off the car back in 2019, and second, they never sent the lien release they said they had sent me. Turns out I'm not the only one experiencing this from this company, as a quick search on the internet shows that there are numerous people who have the same issue with Hyundai as me ; not receiving the title or the lien release.
I have a car that I own but can not operate because I need to renew the registration for the car, which I can not do because I need to do a smog check on the car, which I can not do because the car is registered in California but my car is currently in Pennsylvania. In order to do a proper smog check, I need to re-register my car in that state, which I can not do without the title that Hyundai never sent. I'll need the lien release from Hyundai to request a replacement title to register my car in the new state. I have no method of transportation at this point, and it's been this way for months and Hyundai simply does not care. This is outrageous.
|
| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
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There has been an issue with Hyundai Finance and local customers. When a customer leases a car through them and a total loss happens, when the value of the car is less than what is owed, GAP comes into play. When the market value is more ( which is happening recently ) than what is owed on the contract, they say it's just their practice to take the whole current value and not return what is due to the customer. Insurance even stated that this should not be occurring. Our legal contract says that the standard formula will be used to calculate the value which uses the difference between current market value and residual value of the vehicle based on what is remaining in payments and payoff of car at term. When I went to the sales office in XXXX yesterday ( XXXX ) to speak to the finance XXXX, he said their actions were wrong and he has heard that Hyundai Finance has been doing this recently to consumers in the area. In fact, he had specific occurrences of customers that they did this to including a XXXX employee. What are the next steps in having this investigated?
I've attached the contract where it states in # XXXX that in the case of a total loss, that the standard formula will be used to calculate the value owed on car. This is listed in # XXXX. XXXX has decided to capitalize on the current market and punish the consumer which my contract does not state can happen. When speaking to the financial XXXX, XXXX, on XX/XX/ after a month of calling and awaiting a return call, she states that this is just their standard practice and she could not find any lingo in the contract stating this was acceptable. They violated my contract on the car.
|
| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/XXXX at approximately XXXX, I came to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX complete a report of identity theft. I became aware my identity was stolen today when I received a phone call from XXXX XXXX in XXXX XXXX, MO reporting they sold XXXX vehicles and were in the process of selling a third to a person using my personally identifying information. The first XXXX vehicles, XXXX of which as a XXXX XXXX XXXX XXXX, were sold about a month ago. They said the person has my information and a CT driver 's license and provided an address of XXXX XXXX XXXX XXXX, in XXXX, PA XXXX. XXXX spoke to the XXXX XXXX of the dealership, XXXX XXXX, whose # was ( XXXX ) XXXX. He stated the photo on the license was a XXXX male and they never saw him in-person upon vehicle transfer. No identification took place. They are supposedly mailing me a copy of the driver 's license that was used. Upon seeing the CT State license it was clear that the ID was fake as my first name was abbreviated and my full name as required by law was incomplete. The vehicles were financed through XXXX XXXX and XXXX XXXX XXXX XXXX. I did not buy these vehicles ; my identity has been stolen. I notified the credit bureaus and froze my identity. XXXX XXXX has entered me into a national database which will identify anyone using my information law enforcement reasons. I gave XXXX XXXX a password which I will never forget. I understand could come up during a traffic stop or at the airport and I will need to provide this password to law cement to confirm it is me, not the imposter. ring. This is causing me great stress and time, as well as increased XXXX XXXX and bouts of XXXX XXXX.
|
| 11/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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XXXX reply to me dated XX/XX/2022, in response to my letters, Notice of Rescission, Cease and Desist, dated XX/XX/2022. I disputed the Alleged {$16000.00} debt that XXXX are attempting to collect. I additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights to request a verification under the FDCPA. I requested a copy of a signed contract. I also requested that XXXX delete any and all reporting made to any consumer credit reporting agencies. XXXX have clearly failed to address my very specific legal request and are in clear violation of the FDCPA.
XXXX, XXXX failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of XXXX sending me a signed contract of agreement signed by all parties involved as requested, XXXX mailed me a ( Re : Request for Information about Your Account ). ( Re : Request for Information about Your Account ) is NOT a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Also, my personal information was released without my consent or knowledge to a third party.
XXXX, XXXX failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false.
|
| 11/03/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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Leased vehicle was totaled XX/XX/2022. Vehicle was fully insured with XXXX and they sent original settlement offer and explanation XX/XX/2022. I continued to make payments so that XXXX would not report negatively to credit bureau agencies and was told that the overpayment would be credited from XX/XX/XXXX.
Kia Finance has continually caused delays in processing paperwork and failed to acknowledge when paperwork or responses were sent. XXXX made adjustment to the settlement offer in hopes of XXXX just pushing approval through and getting the lease paid off. They sent additional offers for processing on XX/XX/2022 and again on XX/XX/2022 when XXXX filed respond. We, XXXX and myself, called XXXX via three way call on at least 4 occasions during this time to inquire and resent the settlement offers as they requested. Each time we were told it would take XXXX days to process.
Claim was finally accepted on XX/XX/2022. Payment was accepted by XXXX on XX/XX/2022.
I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment.
I called XXXX for a status update on XX/XX/XXXX and was told it would take XXXX days to process the payment, close the account and issue my refund for overpayment.
There was no reason or explanation given for the delay when asked.
As of today, XX/XX/2022, XXXX has still not processed payment or closed out account. They have made a partial refund on my overpayment, but still owe me a little over {$500.00}. They have continued to report this as an open account.
I was told it would take another 2-3 days to process.
|
| 02/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Older American |
|
I leased a XXXX XXXX XXXX on XX/XX/XXXX. Lease ended XX/XX/XXXX. I contacted lease company ( Hyundai Capital America d/b/a Hyundai Motor Finance Company ) and obtained the payoff to purchase my vehicle for the residual value established in the lease agreement in XX/XX/XXXX and to pay any charges or fees related to the lease and to complete the purchase. On XX/XX/XXXX, I was instructed by two ( 2 ) representatives of Hyundai Capital America ( Lease termination and purchase division ) to send a certified check, via overnight delivery, in the amount of {$21000.00}. I was told this was the total balance due to payoff vehicle, close account and obtain the title. I did as instructed and sent the certified check along with a cover letter. The certified check was received by Hyundai Capital America on XX/XX/XXXX ( per USPS tracking receipt ) and cashed on XX/XX/XXXX.
I have called Hyundai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to determine the status of my title. Each time I called ( I kept contemporaneous notes of each call ) I was told that the account had not been processed, there was no one I could talk to except for the representative ( different each time ) that answered the generic XXXX number, they would send an email to " another department to expedite the process '', that they would call me back in no more than 5 business days with a response ( no return call ever received ) and deliver my title to me.
As of today, no title has been received and no explanation has been provided for why they kept the money they told me was due to purchase the vehicle and have not provided the title to me in more than 108 days.
|
| 03/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Problem with how Kia Auto finance manage consumer loan payment.
Bought new XXXX XXXX in XX/XX/XXXX.
First payment due was XX/XX/XXXX. Set up auto debit in XX/XX/XXXX to be deducted from our checking.
Payment was also deducted on XX/XX/XXXX ( XX/XX/XXXX was Sunday ).
The problem start with XX/XX/XXXX payment. There is no debit from our bank, checked on XX/XX/XXXX on Kia Auto finance website, said that it was 1 day past due, tried to call company but line not available.
Call back on XX/XX/XXXX, was told that their system was down, when asked why they did not put transaction through second time since we have auto debit set up, The rep was not able to give any explanation. He kept saying that if I paid over the phone, he would waive transaction fee.???
My issue is that 1. If there are auto debit in place, regardless of what happen on their end, why they did not put through transaction again. What is the point of setting up auto debit?? I decided that I am canceling auto debit. I will handle payment myself 2. Today is XX/XX/XXXX. Kia took out payment for XXXX and XXXX payment. Why 2 months since the payment due for XX/XX/XXXXis only for 1 pay and I was not late with my payment.
3. When asked rep, how I would be assured that this issue would not be happening again, there were no answers .... I think this is unacceptable and a better solution needed to be putting in place in company policy.
4. I want to send this whoever in charge of this company that I will never buy XXXX vehicles again. There are many options out there and if this is how they handle the payment then this is not for me. I will also not recommend This company to anyone.
|
| 04/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
In XXXX of 2020 I went to XXXX XXXX XXXX in XXXX XXXX, Iowa to trade in my car. The deal went fine. I was happy with my purchase and the terms that I received. Fast forward to XXXX of this year I tried to apply for a loan to buy a house. I was told my debt to income was too high. ( My only debt is this vehicle loan ). The loan officer wondered how I got such a high auto loan based on my income. So I contacted Kia financial, the loan company that approved me, and asked the details of my loan application. They said my income on the application was for {$58.00}, XXX/year. I had told my sales person the day of the purchase that my income was around {$24000.00}. I also mentioned to 3 separate employees that my first priority was to be able to buy a house and if purchasing a vehicle was going to effect it that I didnt want to trade in my car just yet. They said it would be fine. I signed the paper work and no where did I ever see what my stated income was on any of the paperwork. They did not ask for proof of income. Also, I knew these employees since my ex-husband had been employed at XXXX years before.
When I contacted Kia finance company to explain the situation they said I should contact XXXX directly. I called the store manager to report the problem and was passed of to the finance manager that basically just said they dont know how the incorrect income got on my loan application. Ive already filed a complaint with the XXXX. XXXX didnt agree to what I was asking for as a resolution, which was to admit a mistake was made, buy back the vehicle and put me in a car that is better suited to my income. That complaint case has been closed
|
| 06/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX refuses to apply my additional payments to principle.
They do not have an automated payment processing to put money towards principle, I must call every month to apply the additional payment amount to principle.
Since XX/XX/2020, I've paid thousands of dollars over my regular payment amount in an attempt to apply those funds towards the principle.
For the last six months I've been requesting XXXX to apply these credits. I've worked with multiple managers and many representatives and they all say it's been applied and takes a few days to be processed. After a few days check online, still hasn't been applied. I call in, and they say they ave applied it this time just to find out again XXXX days later that the credited funds have still not been applied.
I've expressed this problems to the managers multiple times, nothing has been done.
There is a serious problem of information asymmetry, where the consumer has little to no information about their account, but the company can see all of these supports cases and details.
I've requested an email confirmation about these payments being processed, and XXXX refuses to provide me with any type of confirmation about me calling in and them handling an issue. They give me a case number, but I don't have anything on my end to assert that we've had this conversation and they insisted it has properly been applied.
I consider this fraudulent. They are holding my money and not allowing my to apply it to my principle, they mislead me every time I attempt to resolve the issue, then refuse to give me any confirmation on my side that I talked to them about this issue ( many many times ).
|
| 02/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I presently have a XXXX XXXX XXXX on lease. I have made every payment on time and the attached copies of checks prove it. However Hyundai continues to bill me incorrectly as to the due date AND the total payments made and amount due.
I have tried speaking with them on over ten occasions. EVERY time, I was disconnected. Their automated attendant asks for critical info and Im told that none of it is transferred to a live person. Why put a customer through that? That in and of itself is abusive to everyone who is trying to resolve a problem. Over the past fifty years, I have dealt with thousands of financial companies/payments, and I have never - EVER come across such blatant disrespect and disregard for the customer. I have sent letters and documents supporting my case and I never was even giving the curtesy of a response. I was just on the phone with them for 52 minutes. This was the last straw, which has driven me to contact you. I was trying to locate an individual who I might send my documentation to. but a responsible party does not exist in their world. Although, Ive never contacted you before, am I glad that you exist. Hyundai Finance obviously thinks that they can do what ever they want, and completely ignore the consumer. If possible, I would ask you to act as me, so that you may gain an accurate account of what they do to a consumer. In addition to check copies, Ive attached a few dunning letters. Notice that one ( as with all previous correspondence ) states the due date as the XX/XX/XXXX. In fact my contract ( copy attached ) clearly states the XX/XX/XXXX.
I am happy to speak with whomever may be assigned to the case.
|
| 01/05/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
To provide some background, we have owned or leased a Hyundai Tucson since XXXX. On XX/XX/XXXX we turned in a Hyundai we had leased since XXXX ( account # XXXX ) and decided not to re-lease or purchase a new car at that time. When we turned the car into Rogers Hyundai in XXXX, XXXX had looked the car over and stated he saw no major issues, and said we would be hearing from Hyundai. Over the next few months we heard nothing from Hyundai but in XXXX began to receive calls from XXXX Associates, a collection agency. They would not identify why they were calling until we provided them with information about us, something we will never do in this type of situation. We instructed them to send to us what information they had and on XX/XX/XXXX received a letter from XXXX Associates stating that he owed Hyundai {$1300.00} but with no breakdown of what this was attributed too. On XX/XX/XXXX I spoke with XXXX in Hyundai 's Recovery Department, explained the situation, and he said he would have a detailed bill sent to me. On XX/XX/XXXX we began to receive calls for XXXX again, in fact they also called my wife and my wife 's brother, demanding payment from them and being extremely rude. Since we still had not received anything from Hyundai this prompted me to again call Hyundai 's Recovery Department today where I spoke with XXXX who also said she would send a detailed bill as well. Based on our history with Hyundai over the past few months, I felt the need to bring this issue to your attention before it escalates further. Just so you know, we have an excellent credit history with no issues during the three year lease term we concluded in XXXX.
|
| 07/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Nothing but non-stop issues from XX/XX/XXXX for my XXXX XXXX XXXX loan through KMF. This all started with the dealership forcing the extended warranty and GAP insurance on the contract against my explicit request to the sales rep, her manager, and the finance manager.
The refund was submitted incorrectly in XX/XX/XXXX by the dealership, which resulted in being applied to monthly payments. This was apparently against KMF 's policy, but went undetected for 7 months. The dealership also sent an erroneous payment, which was also submitted incorrectly and resulted in multiple months showing {$0.00} due. This was corrected in XX/XX/XXXX, but I was penalized for it despite the issue being completely out of my control. KMF treated me as a delinquent customer and requested the full amount due, which was paid promptly. They then ruined my 100 % payment history by reporting delinquent to bureaus for the months of XXXX, XXXX, and XXXX.
They then assessed the interest completely wrong, hundreds of dollars over by completely ignoring the refund payment and assessing daily as if I never made any payments for the months in question. I have attached my statements, which clearly show {$0.00} for those months so how could I possibly be considered late?
I should not be penalized for mistakes between the dealership and KMF as I had zero control over how any of it was handled. I have filed disputes with all 3 credit bureaus and KMF has lied to each of them saying that the information is accurate. Contacting KMF I only get the run-around or flat out being told the person couldn't help me at all. These issues have been neglected for over a month.
|
| 06/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We have a a car lease with Kia Motors Finance ( KMF ) that is on autopay. The monthly payment is {$570.00}. On XX/XX/2021, we received notice of a past due amount of {$52.00}. As we are on KMF autopay we were confused by the notice. Nonetheless we paid KMF the {$52.00} on the same day of the notice. In a conversation today, XX/XX/2021, with a KMF agent about this past due amount we were instructed to ignore the past due notice. This did not seem like a reasonable reply, so we asked to speak to a supervisor. We were told by the supervisor that the {$52.00} was for Mass. property tax and it had to be paid separately from the lease payment of {$570.00}, and that it is not covered by autopay. The supervisor directed us to our XX/XX/2021 statement, which is herein attached. The amount of {$52.00} is the sum of two amounts on the statement : {$49.00} and {$3.00}. The statement lists a total amount due of {$630.00}. Note that the total amount due is not broken out into two separate portions ; one for the lease payment and another for the tax payment, and that each had to be paid individually. As will be seen, the KMF statement in the upper right says. " Stop worrying about making your monthly payments. Sign up to autopay and never worry about late fees again. Even more troubling is that the first KMF agent we spoke to said to ignore the late payment notice. For all the foregoing reasons we therefore believe that KMF is engaging in misleading and deceptive business practices, and we are bringing this matter to your attention. It is also quite possible that we are not the only ones to have been caught out caught out by this KMF practice.
|
| 03/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
During the middle of XXXX of 2019 I logged into kmfusa.com and moved my monthly vehicle loan due date forward by 19 days or so. So my previous due date was XXXX and my new due date would be XXXX and all other payments from that moment forward would also be made on the XXXX of the month. Everything goes as expected, on XXXX I get a confirmation letter stating the updated due date is now changed, along with this statement " If you purchased a policy or policies of Credit Life and/or Disability Insurance, said policy or policies might not cover this extended term. '' So as you can even read this my new due date has also extended the final loan payment out by 19 days. XXXX Kia Motors Fiance gets the monthly balance of XXXX paid in full. XXXX another monthly statement is generated saying I owe the usual XXXX on XXXX, XXXX payment is made in full for XXXX. XXXX another statement is generated stating I owe the usual XXXX on XXXX. On XXXX I get a phone call stating I am a month behind on my vehicle payment, the rep has to go through the information and states I did not make a payment in XXXX and I said yes I moved my payments forward and changed the due date on the website. He basically says that is not how that works and I am a month behind. The website was very clear about me only being able to move my due date forward 19 days and this was a onetime option that I could do. Why did it take 3 months to even bring this up, there website shows that I was in good standing making on time payments for 3 months and randomly on XXXX I am now a month behind because of a date change 3 months ago. I have all the statements to back this up also.
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
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Web |
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Spoke with the Kia Motor Finance ( KMF ) Company in XXXX of XXXX as the cosigner of auto lease and told them I would be taking over nonpayment of the lease as the primary party of lease whereabouts were unknown and to prevent default. Was not successful in making me primary on the lease as not KMF policy. Paid on lease until close in XX/XX/XXXX. Told by KMF that any fees would be addressed by dealer at time of vehicle return. XXXX, PA Kia stated no further charges and gave account closed paperwork and clean vehicle report. ( Attached ). KMF closed my account on or about XX/XX/XXXX with a XXXX balance. In XX/XX/XXXX my credit score dropped almost 100 points due to an unpaid balance owed to KMF of which I was unaware. I contacted KMF and they said they tried to contact the primary signatory party several times unsuccessfully. I told KMF they never contacted me. They stated by law they are not allowed to. I stated we had a contract, how could that be so, and if so, how could this end up on my credit report? KMF stated they are not legally allowed to leave a voice message, send an email, and they do not send certified letters. All letters sent to my address were sent in primary signatory party name to which the USPS will not deliver due to that person not living at the address and perhaps a change of address filed by primary party. I related to KIA that they had no problem contacting my by mail, phone or email for any other issue and that XXXX, PA KIA stated the lease was fulfilled. KIA would not remove the negative credit collection yet still wanted money for a charge I was unaware of. I have also sent dispute to KMF complaints.
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| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Vehicle was XXXX XXXX XXXXXX/XX/XXXX. Myself, XXXX XXXX XXXX and XXXX has been contacting Kia Finance by phone and electronically to settle account in full since XX/XX/XXXX. Kia rejected payment electronically on XX/XX/XXXX from XXXX. Kia told XXXX that the account did not exist. XXXX went back to calling kia. We all get transferred around or told a complaint has been submitted a supervisor will call us in 48 hrs. Nobody with Kia ever calls.
From XX/XX/XXXX it took Kia until XX/XX/XXXX to respond to XXXX XXXX request knowing that XXXX had explained that XXXX could not send payment to Kia Finance nor could GAP submit an additional payment to kia until Kia responded to XXXX XXXX. Each Insurance company and myself have documentation of the calls. Saved emailed to kia that kia never replied to. I have written 4 different dates to kia by mail. My last letter I asked that kia finance remove the negative remarks and 90 days late from my credit report because my Insurance ( XXXX ) and XXXX XXXX have been trying to get this account settled since XX/XX/XXXX, kia has been the cause in delays and progress of the account being closed. The negative remarks are preventing me from assisting financially with my son 's college education.
Doung a dispute on my credit did not work with Kia to respond and let XXXX and XXXX complete payments to Kia. Kia only responded to credit XXXX with payments but Kia isn't showing {$510.00} paid in XXXX by XXXX nor {$3000.00} paid XX/XX/XXXX.
They are reporting {$30000.00} balance and {$1300.00} pass due. Before my dispute they say it was over {$1900.00} pass due. The car was financed for {$30000.00}
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| 01/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have made a lease with kia for about 3 years for the Kia XXXX i have taken out.The lease was for 5 years to pay off the car.If for any reason you dont want the car or can not pay it.They give you up to three years so you can take the car back.I was told personally by the person in charge that day, that once i give up the car once the three years comes up i dont have anything else to do with the car, just give it up at the kia dealer, give up the keys, sign the paper and that was it.I made sure i didnt have to pay anything after that and they also checked the car to see for any wear and tear. I was told everything was good to not worry about anything i was good to go.Months pass by and i recieve a letter from Kia Finance stating i owe almost {$3000.00} with a list of things they charging me. I called Mia Dealer and spoke to someone and i was told that they dont have anything to do with it and that they dont know who told me that.They should of told me everything i needed to know before i left, remind you thats not what i was told before i left the car, I was told differently.
I called Kia Finance which that is where the letter came from and spoke to someone.I was told by them that i have to pay the amount that there is nothing else they can that is what i was billed and thats what i have to pay.I asked if they have payment plans just for incase i have to pay it which i believe in my power i shouldnt be charged especially for false information and the lady told me they dont do that.
I would like help to investigate why they are charging me and why do i need to pay that money when the information i was told was different.
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| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My leased vehicle was turned in early. I contacted Kia to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting Kia I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.
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| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through Kia Motors Finance. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX Kia wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay Kia Motors Finance at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the XXXX for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to Kia Motors Finance. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX Kia and bought a new car, but was told Kia Motors Finance would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe Kia Motors Finance a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. Kia Motors Finance had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.
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| 05/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hyundai Motor Finance is attempting to charge me extra fees to make a payment. I attempted to pay my bill online at XXXX XXXX XXXX The website gave the following message when attempting to make a payment to my loan account. It told me, Payment not completed. Please verify bank account number is correct and resubmit. If issues persist contact your bank.
The account number is XXXX I called Hyundai Motor Finance and spoke to a representative by the name of XXXX. She stated that there is an issue but couldn't not tell me why. Instead she kept insisting that I pay either {$3.00} or {$7.00} to make a payment over the phone. {$3.00} is through their automated system and {$7.00} is via the representative. I told her I shouldn't have to pay because the issue is with their website. I asked if she could waive the fee and she said no. I asked to speak to a supervisor and again she said no. She said if I wanted to speak to a customer service representative I would need to bring my account current. To clarify, I was on day XXXX of my 10 day grace period. I stated its outrageous to charge me a payment fee when there is an issue with your website.
My complaint is trying to attempt to charge me extra fees for simply accepting a payment. I made previous payments with this XXXX XXXX checking account without issue and there was no history of returned payments or NSF checks. If there were, I would understand, but there was no such history.
I have since sent them a check, but I feel they are creating unnecessary obstacles for customers to pay on-time payments and charging extra fees for simply making their payment. Please investigate.
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I had an auto lease with Kia Motors Finance they are a division of the Hyundai Capital America that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the XXXX credit bureaus to no avail. I have written XXXX letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.
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| 05/13/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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I leased a car from Hyundai Finance. When it was near lease end I inquired about purchasing the car ( XX/XX/XXXX ). I asked ( over the phone ) Hyundai to mail me a buy out package, they indicated that it would take a week to get the information in the mail. I contacted my bank later and got their fax number ( I do not have a fax ) and called Hyundai again and had them fax the information to the bank. The bank received the information and sent the payment asked for in the information to the address that Hyundai provided. Hyundai in turn cashed the check and called me back saying they wanted more money. By NC law I was the owner of that vehicle because they made an offer and accepted the payment. However I can not afford to sue. After some time with phone calls to Hyundai. I finally got them to return the money, during this time I had already had to make a payment to the bank. On XXXX XXXX the bank received the money from Hyundai my loan ( minus the interest I owed the bank ). They immediately started harassing phone calls because now I was " behind '' in payments. On XXXX XXXX the bank finally cleared the Hyundai payment. I then sent in a check for XXXX which Hyundai credited XXXX XXXX. On XXXX XXXX I traded the car at a local XXXX dealership. the dealership was then responsible for the car. It was not until XXXX XXXX I received a letter from XXXX saying the car was paid off. I have subsequently checked my credit report and Hyundai reported me for Late payments in XX/XX/XXXX, and XX/XX/XXXX while all of this was going on. They refuse to remove that information as I have filed disputes with all XXXX credit agencies.
|
| 10/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/2020, I received a credit monitoring alert that my account with Kia Motors Finance was reporting a repossession and the account was closed. However, I was making on time monthly payments, the car was not repossessed, and I never received communication from KMF that my account was closed. My payments were made directly from my bank account, so it wasnt until this time that I discovered KMF was not generating any monthly statements for my account. In XXXX and XXXX, I called KMFs customer service to determine what was happening to my account and to ensure my payments were being correctly reflected on my account. In XXXX, I filed an internal dispute about the credit reporting and was also assured that I would begin to receive monthly statements. After waiting a month, I still was not getting a monthly statement and my account was re-reported a closed/repossessed. In XXXX and XXXX, I emailed two of XXXX XXXX executives with the above information, asking for immediate clarification and correct reporting. A few days later in XXXX, I received a call from someone in the corporate office offering to help me. She was able to finally get statements reporting starting in XXXX, but I am still dealing with inaccurate credit reporting. Between XXXX and now, I will get an alert the account is reporting as repossess/closed. I will eventually get Kia to report it as open, and then the next month it will go back to reporting as closed on at least on CRA report. The most recent incident occurred with my XXXX report on XXXX XXXX. I should not have to spend hours on the phone to ensure accurate monthly reporting on my account.
|
| 01/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
I purchased a XXXX XXXX in XX/XX/XXXX and used XXXX XXXX as the servicing finance company. The original balance was roughly {$24000.00} with a 0 percent interest rate.
In the spring of XX/XX/XXXX, my wife was involved in an auto accident with the vehicle which resulted in the total loss of the vehicle. We did not have gap insurance and there was roughly a XXXX dollar difference in the amount paid by the insurance company and the outstanding balance on the loan. Our insurance company paid their share, and we continued to make payments as agreed upon in the original contract.
My wife was contacted by XXXX XXXX, asking to have the remaining balance paid in XX/XX/XXXX. She responded to them and told them we would continue to make the payment, as agreed. She was told, " This is going to be very negative for your credit ''. She disputed this with the representative on the phone on the basis of never being late, or never missing a payment is a pretty great pattern to have on your credit report.
We have continued to pay as agreed in the contract, we have not been late nor have we ever missed a single payment for this account. Upon checking my credit, I have noticed that it is now listed as " Bad Debt/Charge off '' and has lowered my credit score substantially.
I called the XXXX finance company today on XX/XX/XXXX whose rep said that I should " dispute with the credit reporting agencies, because this is how we do it ''. He also stated I should " call another day because I didn't want to listen to the XXXX process '' after I had plainly told him they were violating my rights under the Fair Credit reporting act.
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Hyundai / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments.
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle.
I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX XXXX XXXX avarage gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with Hyundai to get the XXXX resolved do to insuficiente availability on there website.
Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXX GDI engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly.
I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you
|
| 09/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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I have been contacting Kia since the beginning of XXXX that I have lost my job and I am struggling to keep up with payments I asked for a deferral and I was denied because they stated I havent made enough payments to qualify for a deferral I then continued to struggle to make the payments because I can not be out of vehicle because I have XXXX children. In XXXX I contacted Kia and spoke with a representative that escalated the call to a supervisor who advised me if I made one full payment I will be eligible for a deferral. I made the payment and called back in XXXX and they submitted the request for a deferral and it was denied. I wasnt able to pay because Im on the verge of being XXXX so I continued to try and try they contacted me in XXXX and stated that if I didnt make a payment today my car will be repossessed I only had XXXX dollars and they stated that wouldnt stop it had to be XXXX and if I made the payment I would be able to submit the deferral for 2 months so I called around got this money and went ahead and got it paid the following the day and asked the representative on the phone would I be able to do the deferment now and they stated no the payment has to be fully processed before they are able to do this. These calls are recorded and this is stated every time you speak to someone. Kia has not worked with me Ive lost my job because I was XXXX with XXXX and now Im playing catch up and this company has been giving me the run around. I will be reporting this to the attorney general as well something needs to be done its no way possible that they consider this ma ethical way of dealing with business
|
| 07/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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This complaint has to do with Hyundai Moor Finance I was sure to obtain correct lease buy-out quote, mailing address and properly filled out odometer statement. It was sent via certified mail on XX/XX/XXXX.
Money was then withdrawn from my account on XX/XX/XXXX and odometer statement appeared to be in the completed stage under my account.
When I reached out to customer service numerous times, I was always told that odometer statement was not attached to my account and theres a need to send another one. Which I did via direct email, secure email and fax on multiple occasions just to be told, another copy is needed and this is causing a delay. Its very frustrating dealing with customer service who are clearly not tracking previous customer communication and provide different reasons each time I call. It also doesnt help that each time we speak a period of 5-10 days is needed for my records to be updated.
I was finally reassured that odometer statement is on file and no further documentation is required a full month later. However, when I reach out to see if title is in the mail I am being told that no progress has been made as its in the hands of titles department. I understand normal processing time is allowed but I should at least have an idea of when I can expect it. Customer service has no information to help and was told theres nothing they can do.
This is beyond unreasonable. I paid for the car. There was no issue taking money from my bank account. This title belongs to me and you have no legal right to hold it XXXX or provide basic customer service to a client.
for reference HMF account # XXXX
|
| 08/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is the second time, I've had to file a CFPB complaint against this entity.
In my original complaint, Hyundai acknowledged that they were inappropriately failing to apply my payment which was within their possession, for nearly two months. After repeated efforts, they applied the payment they had all along, but during the timeframe made multiple violations for the FDCP ( Fair Debt Collection Practices ) Under 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The company upon my attempts to stop their unlawful behavior which violates my Vehicle installment contract, XXXX, California, and Likely various federal laws, as repeatedly attempted to inform me about the attempts to collect a debt from me, which is not legally owed to them.
This practice is prohibited.
I've obeyed the law, and informed them multiple times of the original infractions that continued.
Here we are another month, and another payment that they've failed to allocate to my account, I am at risk of negative credit effects from this lawless action.
And the company doesn't care, I spoke to the company a week or so ago, and they confirmed they would resolve this. To date, and wit, it has NOT been resolved.
At this stage, with the repeated violations of my Vehicle installment contract, the Fair Debt Collection Practices, and the overall stress this is causing, I am filing this complaint to document their continued unlawful behaviors.
|
| 01/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I'm experiencing ongoing issues from Kia motor finance company. Since XX/XX/XXXX, I've been experiencing acts of dihonesty which include missing payments, having false information reported to the credit reporting agaency, and a phony payment extension. I have sent Kia motor finance and the credit reporting agency all paymetns I made from my bank account and only the credit reporting agaencies updated the correct information regarding my payment history. I've been consistingly back and forth with them to correct my payment information and they consisting harrass me by stating that I'm 3 months behind which is incorrect. In XXXX they offered to put me on a payment extension in which I was informed that this would include the next 3 months without payment but I would be charged a {$25.00} fee for the extension of 3 months. So, I was informed to sign the extension agreement that was emailed to me and I signed it on XX/XX/XXXX and called kia back to informed them it was signed and the representative stated it was fine. Later in XXXX I got a collection call and they stated they never received the extension agreement and I saw the signed agreement in my email verifying my signature. Also, I noticed for the 1st time that the extension was for the past 3 three months ( XXXX, XXXX, XX/XX/XXXX ) and realized I was provided about misleading information about this extension they infomed me about. I attempted to reach out to speak with the Manager and they refused to let me speak with any manager at all. I have been going around in circles with Kia Motor Finance since I had this car with lies and misleading information.
|
| 08/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I had planned to pay off my lease to buy my car. The first week of XX/XX/2022, I called Hyundai Motor Finance to obtain information regarding lease pay off. I was told to send a cashier 's check by mail and to submit an odometer disclosure statement. The form had to be approved to be sent to me via email and would take up to four days to receive that email. I never received that email containing the form. After much searching, I was able to find an odometer disclosure statement form online. I printed it and faxed it to them XX/XX/2022. Also on XX/XX/2022, I sent a cashier 's check for the balance of my lease via registered mail. That check arrived on XX/XX/2022 and was cashed on XX/XX/2022.
On XX/XX/2022, I called Hyundai Motor Finance to check on the processing of my paperwork. I talked to a young man named XXXX who told me the title was in the mail and I should receive it by the end of the week. The title never arrived.
On XX/XX/2022, I called Hyundai Motor Finance to check on the title again. I talked to a woman named XXXX. She told me that the odometer disclosure statement form I had faxed was invalid because I had checked a box on the form that I wasn't supposed to check. i asked why I hadn't been informed of that issue. She apologized and told me she would expedite my paperwork. XXXX said she would ask for approval for another odometer disclosure statement form to be emailed to me and it would take four days to receive. I asked if I could fax another form to her. She said no because she couldn't expedite the process from a fax. I have not received the email with the form as of today, XX/XX/2022.
|
| 01/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Iit took me and my x boyfriend to get financing for my used XXXX XXXX through Hyundai motor finance co. My price of the vehicle was supposed to be XXXX payments at XXXX for 12 months then was told by my sales person XXXX XXXX XXXX Hyundai XXXX NV in 12 months no problem we will refinance your loan to make it doable. Well some serious things happened to me as inappropriate actions by my manager at XXXX where I was assistant manager I have a pending Case with XXXXi explained this to the representative and they just said put you on a payment plan XXXX a week well XXXX obviously is fighting my unemployment so I was denied they have a lawyer as well. So I told HYUNDAI REP.i had no help XXXX who is also on this loan Also took our savings and rent and ran away I have been struggling but I had just got a new job and was only there 4 days and contracted XXXX XXXX FOR THE SECOND TIME AND OUT OF WORK SEVENTEEN DAY 'S I EXPLAINED THIS TO HYUNDAI REP.. NOTHING I asked for a refinance I asked for payment deferral I've asked and asked for help before we are at the point we are at I just paid Hyundai XXXX THAT WAS MY RENT so I was two months behind and I thought this payment would put me in up to date status. NO COME TO FIND OUT NOTHING WENT TOWARDS MY PRINCIPAL so looking through my account in almost a year XXXX XXXX IS ALL THEY HAVE PUT TOWARDS MY PRINCIPAL! THIS CAR IS NOW ALMOST XXXX XXXX MORE THAN IT WAS 10 MONTHS AGO PLEASE HELP ME I LIVE IN RURAL NEVADA WHERE IT'S NESSASARY TO HAVE A VEHICLE JUST RECOVERING FROM XXXX XXXX AND THIS STORM XXXX NV I WAS OUT WALKING FREEZING BECAUSE I DON'T WANT THEM TO TAKE MY CAR.
|
| 07/15/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XXXX XX/XX/2020 i, i called hyunadi finance to make a extension for the car payment due to corona virus i had lost my job and they had a three month extension for us. but was charged XXXX dollars 2. then in XXXX we got a statement we were late three months on car payment : that was problem number one.
3. i called again in may to talk to someone regarding this amount and they said they fixed the promo and i was okay to go.
4. next i look up the account on line it was showing i was later again two payments so i paid XXXX on XX/XX/2020 % then on XX/XX/2020 i made another payment for XXXX XXXX this should have took up up to date on the XXXX payment but then again another problem with hyundai so now we are in XXXX its the XXXX today of XX/XX/2020 and we are now in a negative XXXX dollars so i am in so much of a panic i can not be without a car i just got a full time job back and i am doing ok i can afford my car payments please help me with this companies irresponsible actions. ^ where its the money i was charged in XX/XX/2020 for XXXX? this is robbery i need help.
6. also in XXXX around the first week it showed i has a credit for ( XXXX ) for the petition extionsion for the corona virus relief. now today on XX/XX/2020 its show i have no credit it says i owe XXXX for four payments late.
7. no the are yelling me saying me that my car is under repression and they are coming for the car this is abuse. i need help please they are demanding all this money and they were suppose to be helping me where is the money i have already paid for then to fix there mistake in XXXX now i owe again XXXX thank you god bless
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
XXXX XXXX Sir or XXXX. I went into a local dealership in my area to purchase a new car on XX/XX/2023. I was told by the finance manager that I had been late sixteen times. I had just recently bought a car for my daughter with this same lender and had not been made aware of any of these findings. I immediately came home and called the lender .They informed me after speaking with several ( 10 ) of their associates that indeed the info of late payments were correct. I then proceeded to go to my account on line and printed out my payment history that validated everything that I was saying to be true. I called the lender back and proceeded to explain for the eleventh time that I had not been late. The lender refused to amend my credit report. I then called XXXX the same day and filed a complaint it was then investigated and XXXX 's response was that the creditor did not respond and there were several things I needed to do:1 ) Include a 100 word statement to be attached to report. 2 ) Contact the creditor 3 ) Provide additional supporting documentation ( already have ) and last but not least contact The Consumer Protection Bureau and The State Attorney General 's Office in my local state. In closing I reached back out to lender today XX/XX/2023 and was told once again to send another letter when they did not respond to the first letter. XXXX was slack in their efforts to rectify this situation by telling me on today XX/XX/XXXX XXXX that they would redispute the complaint once more and I asked the question why? I informed the rep that if they did not respond the first time the negative info should be removed.
|
| 05/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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This complaint is concerning 1. the inadequate payoff quote of Kia Motors Finance 2. Not refunding overpayment On XXXX, I requested a payoff from Kia Motors Finance for my XXXX XXXX. The payoff amount quoted was {$39000.00}. On the same day, XXXX XXXX requested a payoff quote and received a payoff amount of XXXX. Both quotes gave 10 days for Kia to receive the payoff. XXXX XXXX mailed the payoff amount of {$39000.00} to Kia on XXXX. XXXX XXXX provided me a confirmation letter indicating the payoff was mailed. The payoff was received by Kia on XXXX and did not post until XXXX. Consequently, I made my payment of {$950.00} on XXXX because the payoff was not showing and customer service indicating it was pending. On XXXX the payoff posted, along with my payment. Both posted incorrectly. A remaining principal of {$690.00}. My regular payment of {$950.00} was applied all to interest. I called Kia on XXXX indicating that they applied payments incorrectly. The corrected the payoff from XXXX XXXX to show the car paid off. However, my payment of {$950.00} still showed that it was applied solely to interest on XXXX. I was told to give them 3-5 days for reimbursement. On XXXX I called again. I was told to wait another 7 days for reimbursement. On XXXX I called Kia again. The customer service representative ( XXXX ) indicated that Kia was sending me a reimbursement of {$65.00}. I asked her what was that for. She indicated it was for overpayment. I told her that is the incorrect amount, as I should have received my entire {$950.00} back because the payoff from XXXX XXXX was received before the 10 day off end date.
|
| 09/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I have been a valued customer of Hyundai Motor Finance ( XXXX, address : XXXX XXXX XXXX, XXXX XXXX, California XXXX. Phone number : XXXX ) and I am very disappointed how my financial situation has been handled. I had purchased a Hyundai car and though I wanted to pay in full to make the vehicle mine but the dealer requested to get it financed for few months as they have ties with their associated company. I agreed though I had to pay interest for some time. I tried to pay off in subsequent months. Apparently, the my account in XXXX website is never updated about my payments. It still shows that I have pending payments. All it has listed is 5 transactions when I made about 15 transactions. And we thought we still owe money and paid more than what was supposed to pay. I called in XXXX end about it and I was told my payment will arrive in 30 days. I also requested my payments file and they sent. But no money came in 30 days. Then I called again on XX/XX/XXXX, I was told I will hear back in few days, my complaint will be filed and request will be sent to get my refund in 3-4 business days. Still nothing. Then I called on XX/XX/16 and now I hear the request will be sent now for refund. I asked what happened to the request that was sent last time, I got reply that only complaint was filed and no request for refund. I tried to ask the agent if she can connect to the manager of finance company and she said she can't. She gave me a address to file physical complaint via mail if I want. And they will respond to me in 14 days. This is so distressing. Why am I being troubled to get my money for almost 50 days?
|
| 06/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
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On XXXX I walked into XXXX XXXX of XXXX and walked out with a brand new XXXX XXXX XXXX.
On XXXX I was called back in to resign a whole new contract, lowering my total and monthly amount.
On XXXX I was called back in again to try and add a co buyer or return the car. So I brought my brother in law with me to apply, he did, but was denied. They then told me I needed to empty my car out and return it to them. Ca state law says that after 10 days they become my lender, well they dont want to lend to me so the salesman reached in my car and took my keys out of the ignition and kept it from me. I was also told that if I left the premises with their property that they would call the cops on me. Which they did not, because when my spare was brought to me, I left with the car and no cops were called.
On XXXX my first car payment was due. They would not provide me with an account number and never sent me a welcome letter with any info on how to make payments and where to make them to, so I made two money orders ( which I still have ) and took them down to the dealership, they denied my payment and said Id be receiving something in the mail from their business department, which I did not.
On XXXX I took my car to XXXX to get a routine maintenance oil change, when I should be able to take it to the dealership to get it for free, but they bullied me so bad, that I was scared to take my car down there and leave it with them because then they could say I just surrendered it.
On XXXX my car was repossessed from my apartment complex in the middle of the night. Leaving me with no way to work or make money.
|
| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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Hello Dear, It is about KIA MOTORS FINANCE, AMOUNT AROUND XXXX My credit report shows repossession on XXXX XXXX. I have receipt/conformation that showed I paided my bill up to XXXX XX/XX/2020 then the payment REJECTED by creditor.
It is still not clear why my car got repossessed. I realized my car repossessed on XXXX after calling to request payment deferral for month of XXXX while abroad for church mission and stacked there because of covid no flight order. Problems with kia Motor, APPLICABLE FACTS ( 1 ) Not notifying I have electronic consent to be notified/get any alert. But kia failed to do so, instead send only " mail '' to my old address/not the mailing address that I updated on kia motor finance online account.
( 2 ) Rejecting Auto payment after XX/XX/XXXX ( payment for XXXX ), and reported it credit beauros as not paid.
( 3 ) After talking and agreed to reclaim my vehicle, but not answering call when to pick up ( physically closed ), kia refused to postpone, auctioned it with out any notification.
APPLICABLE LAWS IN NEVADA ( 1 ) The registerd owner must be at least " 30 '' days in default. I have paided till XXXX XXXXEven if reported otherwise.
( 2 ) The repossession company must notify the registered owner in each step of the repossession.
( 3 ) The repossession company can adjust payment agreement and return the vehicle to the owner.
CONCLUSION So if not in defult and /not notified, it must be considered as wrongful repossession and may be required to have court judgment to reposses in Nevada .
Contracting creditor beauros or the company failed to solve the issue.
Best Regards
|
| 02/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX Hyundai XXXX overnighted my last lease payment of {$490.00} to Hyundai XXXX XXXX on my XXXX XXXX.
XX/XX/XXXX XXXX XXXX has evidence of receipt of the payment by XXXX XX/XX/XXXX Contacted XXXX to verify they received my lease payment. They said they did not and to contact them back in " 2 weeks ''.
XX/XX/XXXX Contacted XXXX to, again, try to verify receipt of my lease payment. They said they did not and to call them back in " 2 weeks '' XX/XX/XXXX XXXX XXXX obtained proof that XXXX cashed the check XX/XX/XXXX Contacted XXXX to verify receipt of my lease payment. They said they did not. I asked them to verify to see if it was not applied to my XXXX XXXX. They said it was not. They said to call back in " 2 weeks '' but got the name of the person of whom to send a copy of the canceled check to a contact person and email address.
XX/XX/XXXX Contacted XXXX XXXX to obtain a copy of the front and back of the canceled check.
XX/XX/XXXX Forward a copy of the canceled to the address provided to me on the XXXX from XXXX.
XX/XX/XXXX Contacted XXXX to verify they received my email with a copy of the canceled check. They did but would not do anything without " more research because they did not know where it may have been posted to '' - again, they said to contact them in " 2 weeks ''!
In the meantime, I am getting text messages and late notices from XXXX that my payment is due and still can not get anyone to post the payment they have acknowledged getting for my specific account.
XX/XX/XXXX Contacted XXXX - again, my payment is NOT posted and they claim they have no record of it.
|
| 08/07/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I paid off my lease in XXXX of 2017. At that time I faxed the odometer reading and bill of sale. I contacted them a few months later and they indicted they never received either so I faxed them again. Since then, I honestly didn't think about it until the beginning of this year as I am looking to purchase a new car. I contacted Kia Finance at the beginning of this year and they indicated they received an odometer reading but not a bill of sale. Since my initial call this year, I have sent them both the odometer reading and bill of sale 4 times. The first 2 were regular mail, the third was 2 day priority and the 4th was certified mail and returned with a signature. I have called numerous times and each time, they indicate they haven't received the bill of sale and can't release my title. I have begged them for help asking if I can send to someone directly that can be accountable for getting it processed, they indicated no. I asked to talk to the title department and customer said they didn't even have a phone number or contact in the title department that they could only contact them through their internal communication system. I even asked who their CEO was so I could contact them directly and customer service told me they weren't allowed to give out that information. This has effected me both emotionally and financially. I missed out on end of month deals on other cars because I did not have my title. I have cried out of frustration while on the phone with customer service reps. There is no option other than to keep resending the same information hoping that someone will do the right thing.
|
| 03/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
In XX/XX/XXXX, I had a problem with meeting my payment due date. I called in to have the payment extended to avoid a late charge, as well as late payment on my account and credit agencies. In XX/XX/XXXX, The representative with whom I spoke told me all was set. I asked him, am I not suppose to get a letter to sign and he said no, all is set, my next payment will be in XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls as well as letters that I am pass due. I spoke with the agent and explained that this should not be.
She read the account history and apparently saw what the first person wrote, then she said will fix the problem and that the calls will stop. She then send me a letter which I fax back to XXXX with my signature attached.
On Wednesday XX/XX/XXXX, I went on lone to make my XX/XX/XXXX payment and saw that they charged me {$25.00} for late payment fee, as well recorded late payment to my account history and on my credit report.
I called to have these corrected and was told the manager denied to waive the late payment because I already have one waived. I told them, this is the company error and not mine and it should be off my credit history cleared from this error.
I then asked to speak with a manager and was told I have to call back and because they are not available. I now have a {$500.00} balance on my account that is 32 days pass due and a fee of {$25.00}, plus late payment report to my credit history.
I need these to be corrected - the late be removed, my credit history to clear from this late payment note, and the balance remove to have my account in good standing.
|
| 03/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have had this account since XX/XX/XXXX. The only time I have ever asked them for anything was when we were in a disaster zone due to hurricanes. Even then I took the bare minimum so I could get back to paying on my accounts as soon as possible. On XX/XX/XXXX my husband was having severe XXXX pains. I took him to XXXX XXXX who refused to see him & referred him to the XXXX. I took him to XXXX XXXX XXXX XXXX. They did a XXXX XXXX & determined he must be transferred for XXXX XXXX. He was transferred to XXXX XXXX XXXX where he remained. The surgeon is still trying to avoid the XXXX since its dangerous therefore he must have a XXXX XXXX every few days & XXXX XXXX. I contacted Hyundai motors & asked to defer my payment. They said I could not because I already deferred a payment for the hurricanes. I did not even sign that form! It was an automatic deferral due to a federal disaster area or so they promised at the time. Now they claim that was my deferral & they cant help me. The only time I have ever missed a payment is due to the hurricanes. I have zero late or missed payments on any of my accounts therefore them refusing to work with me in a XXXX XXXX XXXX XXXX is uncalled for. My account was perfect until this. All I asked for is to be able to defer the payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & get back to work. I asked for a supervisor who was also zero help. I can also mention theyve charged me for repairs due to their failures as well theres a recall on brakes yet they charged me hundreds to fix them I didnt file a complaint then although I should have.
|
| 06/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
When the loan was initiated, it included GAP insurance which turned out to be unnecessary. It was cancelled, and the amount of the premium was applied to the loan before the first payment was even due. The payment should have been applied to principal on the loan, but instead the lender ( KIA Finance ) treated it as if I made extra payments. Since the amount did not quite equal 2 full payments, they continually sent me notices of late payment for the remaining portion, even though every month the full amount of the required payment was made timely. I tried calling to get it corrected, but they would not even speak to me " until I brought the account current '' when in fact I was not only current but had made a significant advance principal payment. I then sent them a letter including a full explanation and an amortization schedule, which they ignored and they continued to issue inaccurate monthly statements. I have since sold the vehicle, they were paid off on XX/XX/2022 and they also got a refund for my extended warranty that I cancelled on the sale. They have had over {$2000.00} of my money for nearly 2 months now and have not yet issued a refund. When I called today they indicated that it will still take several more days because they are understaffed. They were not even going to acknowledge that they had my money until I called them out on it. This is the most dishonest lender I have ever worked with. And they do not provide any opportunity as a consumer to have them correct their error because they will not speak to you. I would never take a loan with them even for a 0 % interest rate.
|
| 06/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
On XX/XX/2020, I returned my leased XXXX XXXX early under a promotional program advertised by the company.
I was told I could turn my vehicle in 3 months early with no fees and I would not have to pay the remaining three months of the lease if I purchased a new vehicle with the company.
I turned over the car, the keys, and signed the paperwork at the official Hyundai dealership on XX/XX/XXXX. I purchased a new XXXX XXXX that same day. ( I made a final payment for the month of XXXX before turning the lease in, since the term ended in XXXX. ) Even though the vehicle was no longer in my possession, on XX/XX/XXXX, {$290.00} was taken out of my bank account for the XXXX. When I contacted the Hyundai finance department, they told me I needed to call the dealership because the dealership never paid them for the XXXX.
I called the dealership. They emailed me a receipt indicating the vehicle had been turned in on XX/XX/XXXX and told me to call the finance department back.
I called the finance department back. They had no knowledge of the early turn in program and told me I was still liable for over {$1000.00} in fees since I turned my car in early.
I called the dealership back. They told me they left a message for the finance department and it would be fixed " eventually. '' They did not specify when, they did not indicate any sort of action being taken, nor did they let me know what to do next.
I am now liable for two Hyundai vehicles and two payments ( the leased XXXX and the purchased XXXX XXXX ). I don't know how to resolve this and I'm worried about the financial and credit impact.
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hyundai Motor Finance discriminated against me because I am an XXXX American woman. They falsely reported my car payments to the credit bureaus as being in default and their illegal repossession of the vehicle after all my payments were current! I no longer wanted to do business with this scamming company and I paid off the loan and cut ties to them! Since XXXX they began reporting false negative payment history on my credit reports! I have disputed this and to no avail nothing gas changed! Hyundai with their ongoing discrimination and targeting XXXX American customers reported to credit bureaus fss as law information they even reported I took my lisn through Kia Motor Finance to cover up their discrimination towards me and to ruin my credit! To this date I am unable to get a place to live because of XXXX false information! The credit bureaus refused to remove this false information off my credit report! I never signed any loan documents for XXXX XXXX XXXX! XXXX did this to cover up their fraud and discrimination and not posting my payments on my account in an accurate way. I am facing homelessness due to Hyundai Motor Finance ruining my credit! I do not owe them I paid off the loan in XXXX and sold the car in XXXX! I need help to get compensated for what Hyundai Motor predatory lenders did to me! I was charged a higher interest rate because I am XXXX American and they mishandling of my account plus their false information to the credit bureaus that I took a loan out under Kia Motor Finance to cover up their discrimination and fraud! Please fine them all in lithe Credit bureaus. Thank you
|
| 02/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
|
My Problem is with KIA Motor Finance. I am emailed before each payment is taken out of my checking account. The XXXX payment was about {$45.00} more than the contract stated payment of {$380.00} per month. Then after I called them no one could tell me why on my first six conversations, so I informed my bank to not allow the payment be taken out of my checking account. Then I followed up even before the payment was due and spent another 3 hours on the phone trying to find out why the payment was higher and finally after six more conversations they told me that due the the change of state ( I bought the car in South Carolina and then had it retitled in Florida ) the sales tax amount changed and so does my payment. I said by over {$40.00}! So by now I just wanted to know what my payment would be and they could not give me a straight answer because they had put a {$15.00} NSF penalty due to my stop payment through my bank. Now they have given my a payment amount of {$400.00} but they want to charge me {$7.00} to take a payment over the phone and if I don't pay by XXXX XXXX, 2021 I will not only owe the NSF {$15.00} but also a {$15.00} late fee. This is driving me crazy. I am a XXXX year old senior living on a fixed income and just wanted to know what my payment was. Then I found out that because the state where I bought the car ( South Carolina ) charges the entire sales tax up front and Florida charges month by month that I have to go back to South Carolina tax authority to get a refund and that is not right either. What should I do? I have not made my payment as of XXXX XXXX, 2021. Thanks
|
| 05/24/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
Hyundai Finance Company 's collection department was very nasty, aggressive and, in my opinion, unreasonable in solving a dispute about a lease payment that occurred 4 years ago. The issue was resolved and the vehicle returned on XXXX XXXX. I leased another Hyundai vehicle from the same dealer only through another finance company. ( The bad experience precluded me from considering Hyundai Finance again. ) A letter describing the issue and requesting a waiver of the " disposition '' fee was included with the paperwork with the returned vehicle. The letter requesting the waiver was never answered and I received a bill for the " disposition '' fee plus taxes.
I have returned the bill with a copy of the original letter and a note disputing the bill to Hyundai Finance.
If Hyundai Finance had been cooperative in resolving the original dispute I would continue to do business with them, However the total lack of willingness of Hyundai Finance collections department to cooperate to resolve what should have been a simple problem sent me the message that I should do my business with someone else. Now they want to charge me for a " disposition '' fee that never would have become an issue if they had treated me with respect.
Finally, the " disposition '' is not really that since it is automatically waived when a customer leases or buys another Hyundai and finances through Hyundai Finance. I believe it is really an undisclosed price increase for not continuing to do business with Hyundai Finance.
I think this is morally wrong.
I think that is flat wrong and ask you your assistance in having the
|
| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I financed a vehicle with Hyundai Motor Finance ( HMF ) at 0 % interest. I have since moved states and my new state requires I re-title the vehicle in my new state before I can register it. I first attempted to follow HMF 's directions online to upload a request for XXXX XXXX to title in a new state in XXXX. After several days of delays, they updated the online status to say the XXXX address was invalid ( it was not, but it is a newer DMV office ) and that they needed a completed Title Application. I completed that and uploaded it on XX/XX/XXXX. The status changed to " Pending '' with no additional notes or information. I finally called on XX/XX/XXXX after not hearing anything from HMF, and was advised they needed me to mail the physical copy ( despite this not previously being a requirement ). Considering this information was never relayed to me, I asked for a supervisor for further clarification and why two and a half weeks had passed and he said HMF asks all customers to call them for a status. This is not stated anywhere despite his insisting that it is always requested. This is exactly what they display online : " We are processing your state title transfer. Please reference the status tracker and checklists below to stay up to date on where we are in the process. Expected timeframes can vary. Please allow 6-8 weeks for the process to be completed. For more information please visit our FAQ section. " At this point it feels like they are purposely delaying assisting me with my state title transfer in hopes that I'll pay off my 0 % loan so I can get my title and register my vehicle.
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of National Engine Settlement against Kia and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues.
Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX XXXX XXXX has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from Kia ( A National issue ). Mechanics from XXXX XXXX ( XXXX XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX, GA ) just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to Kia with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.
|
| 05/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
This Kia XXXX was paid off on XX/XX/2021. We confirmed with Kia Motor Finance on XX/XX/XXXX that the vehicle was paid off and the title would be released. We received a paper lien release in the mail, but the lien was never electronically released with the XXXX. We called for an update on the electronic release on XX/XX/XXXX, and were told it was taken care of and the lien would be lifted in 7-10 days. I called again on XX/XX/XXXX and was told that the payoff had not been " properly allocated '' back in XXXX so it was going to take another 10 business days to release the lien. I called again on XX/XX/XXXX and was told that the payoff was properly allocated and the account was closed, so now the electronic lien would definitely be taken care of. I called again on XX/XX/XXXX and spoke with XXXX who said it was very weird that it hadn't been taken care of yet, but he would escalate it to his supervisor and the lien would be lifted in 3 days. I called again today, XX/XX/XXXX and spoke with XXXX. I was told it still wasn't taken care of and all they can do is escalate it again. I requested to speak with a supervisor, and spoke with someone named XXXX. XXXX told me there is nothing she can do other than keep emailing the title team and asking them to release the lien. I asked for information as to why it hadn't been taken care of yet and I was just told that she didn't know, she didn't have any information, and all she can do is send another email. It has been over 4 months since this title was paid off and all that needs to be done is a click of a button to electronically release the lien.
|
| 11/03/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
( Upon communicating with CFPB over the phone regarding initial claim # XXXX, was advised to open the new one due to dishonest and misleading response of Hyundai Motor Finance ).
1. Company states the vehicle was retuned late on XX/XX/XXXX. This is a lie - it was returned early prior to the maturity date. Returned promptly on XX/XX/XXXX. The proof is attached ( receipt by the official dealer as well as date/time stamped photos in the lot ).
2. Company states that it sent multiple letters due to vehicle not being returned. Two lies! First, returned early. Second, none of the letters were received.
3. Company states that it made attempts to notify me of {$420.00} balance due during XXXX. This is actually true. HOWEVER, my first letter with {$420.00} payment was mailed on end of XXXX. It, for some unknown reason, did not make it to Hyundai and was never posted. I was then out of country due to family emergency and did not receive XXXX mail. Upon return on XXXX, attempted to send {$420.00} electronically. Hyundai rejected the payment ( see attached ). Finally, made payment on XX/XX/XXXX.
Numerous payment attempts!!
4. Company states that I made 7 complaints to various agencies. Lie! I made 2 so far ( BBB and CFPB ). Prior to that I attempted to resolve with the company directly on countless occasions. I was not treated with respect. No respect and courtesy were given to 7 years loyal client with outstanding payment history.
5. If company denies again, complaints will be filed with FTC, Attorney General, etc. Additionally, numerous complains will be posted around the World Wide Web.
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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In XXXX I purchase a XXXX. The car is paid up. Hyundai wants to continue to charge me daily interest on a car that is paid in full. I was told several times by customer service that Hyundai is charging me for daily interest. I was ahead on my payments and according to them my next payment was to be XX/XX/XXXX. I made more than the XXXX payments and in XXXX I complained to the XXXX XXXX XXXX On XX/XX/XXXX I paid the payoff amount XXXX in spite of the fact that the car was paid off. Fast forward Hyundai sent information to XXXX and XXXX that I was 2 years and four months late on payments. If that were the case my car would have been repossessed. Neither agency had a repossession in their data. I have been going back and forth with Hyundai since XXXX. In XXXX the said that I owed XXXX more payments, which was wrong. At any rate I made One payment in XXXX. Two payments in XXXX, XXXX payment in XXXX and two more payments including the payoff amount of XXXX. I have made XXXX payments since then as they continued to send me a bill. Now they are billing me for {$80.00}? I made the payments because I did not want credit reporting problems. I think that XXXX is retaliating because I reported them to XXXX My credit score was XXXX XXXX and XXXX dropped my credit score by XXXX points due to inaccurate information. I want to complain about the reporting agencies as well. They did not see any missing payments prior to this month and they still dropped my credit. The problem is going to be that although they dropped my score XXXX points, when this is figured out they will only raise is a few points.
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| 04/09/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a 2015 XXXX XXXX in XXXX 2015. The dealer provided financing through Kia Motors Finance ( KMFUSA.com ). I received a XXXX statement in the last week of the month with a due date of XXXX XXXX and promptly paid it. As with all credit accounts, I expect a monthly paper statement to show transactions, interest, etc. and make the next due payment with a personal check via XXXX. I did not receive a XXXX statement for the XXXX. XXXX due date. Without the statement reminder, I did not make a payment. Later in the month they called to complain the account was delinquent and confirmed their system never issued a monthly statement. I offered to make the account whole by providing a credit card payment via phone. They said they could not accept that form of payment, but I could give them a debit card, or my checking account data. I do not own a debit card and do not carry my checkbook with me. I mailed a payment on XXXX. XXXX. On XXXX. XXXX, a XXXX. statement arrived with an XX/XX/XXXX due date. That payment went in the mail the next day. But I did not recognize a {$20.00} late fee or pay it. When contacted, the KMFUSA said that I should have known by the terms of my lease that a payment is due every month on the XXXX and it should be made whether I get a statement or not! That 's XXXX poor customer service. As a best business practice what financing arm expects payments every month without delivering statements?!?!? Is there any consumer financial protection that they are required to provide a statement so I can tear off the remittance coupon, include my check and mail it back to them?
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| 05/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with signing the paperwork
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Web |
Servicemember |
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Tried to get a loan approved through XXXX XXXX XXXX XXXX in Oklahoma. Loan got approved for a 2023 XXXX XXXX, XX/XX/2023. Didnt have any issues with the loan since the day we were there but a week or so ago the finance manager from the dealership started harrasing us for a paycheck and a paystub from my employer. Gave them all the information and no issues. Few days go by and more harrasment from this financial manager asking for employement verification. Told him that I couldnt get ahold of my manager/supervisor since I work off shift. He kept calling and texting us for a few more days. Last call he made I told him that I wasnt satisfied with their customer service and wanted to give back the car and stop the deal from happening. XX/XX/2023, me and my husband decided to head back to the dealership and talked to another manager to sort things out. No manager was available so we left. Went back today XX/XX/XXXX and a guy named XXXX said that the loaned got approved but refused to show any evidence. We called the financial institution and they didnt have any information on their system stating that the loan was approved. He then left the office to go get a finance person. Came back and nobody from finance came into the office to talk to us and XXXX kept being very condescending about the situation and even congratulate us, in a sarcastic manner, on being owners of the vehicle. He even told us that if we left the car it was getting repossessed. Then he proceeded to say Im done here and left the office and left us. After that, we stood up and left the car with the keys in that office.
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| 10/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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My main complaint is I feel my vehicle XXXX XXXX is no longer safe to drive. I request for XXXX XXXX XXXX to apply the repurchase program. However I was told I didn't qualify for the program under the Arizona Lemon Law. However, as a goodwill gesture ( HMA ) agreed to settle my claim and offer to reimbursement of 2 car payments.
I purchased this vehicle new in XX/XX/XXXX with less than 50 miles on it. In early XX/XX/XXXX I started to have mechanical issues and repairs on my car. Still under warranty. XX/XX/XXXX my engine was replaced with a new one. On XX/XX/XXXX I took my car in for a oil change and recall on the software ( computer system ). On XX/XX/XXXX as I was driving down XXXX XXXX, my check engine light came on and shortly afterwards my car stopped in the middle of the road. I immediately contacted the service at XXXX XXXX XXXX. At this time I advised XXXX XXXX service manager of the situation and that I was going to bring the car back in. After about twenty minutes I was able to get it started and returned back to the dealership. As i was headed back to the dealership I was not able to drive more than 35-40 miles per hour. That was as fast as the car would go. At one point I stared to pull over and call for a tow truck, but didn't have time because the dealership was closing shortly. My car has been at the dealership since XX/XX/XXXX. XXXX and still unable to figure out the problem. On XX/XX/XXXX ( HMA ) ordered another new engine to be put in my car and again this didn't fix the problem.My check engine light is still on, with no near repair date if any. Please help.
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| 05/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
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I took out a car loan from Hyundai Motor Finance in XX/XX/XXXX. My payments are automatically withdrawn from my bank account and I was assured that I was permitted to make principal-only additional payments.I made my first principal-only payment of {$200.00} on XX/XX/XXXX and noticed that it was divided into principal and interest. I called XXXX and spoke with a representative. I was told that all payments were added as principal and interest unless I called and had them redistribute to principal-only. I made a second principal-only payment on XX/XX/XXXX in the amount of {$300.00} and it was credited as {$280.00} principal and {$17.00} as interest. I called their customer service number on Friday of that week and requested the change. I was told that it would be made but would take up to 3 business days. I called again on the following Friday was was told that the change had been made ; I pointed out that according to my account it hadn't been. I was assured the error would be corrected within 3 business days. I proceeded to call each Friday for the next 4 weeks and was told that I should ignore my statement since the change had been made. I then contacted them by email at XXXX and asked for their help in correcting the error on my account. They responded to my first two emails but have not responded since. My emails were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with a final email sent on XX/XX/XXXX. As of today the issue has not been rectified.
I have attached 2 files : 1 showing my payments and 1 containing the email I sent the company.
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| 09/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I had a loan with Hyundai Motor Finance, on XX/XX/2020 my 0 % loan payoff amount increased from {$13000.00} to {$14000.00} after a {$50.00} payment. The payoff amount should have lowered to {$13000.00}. This caused an over payment of {$470.00}. I noticed the error on XX/XX/2020 and have called over 15 times. I have spoken with many representatives, supervisors, and managers in which they all see the issue and claim to send information to their payment processing division. I even purchased a new car from XXXX XXXX XXXX they agreed that I was over charged by at least {$470.00} by Hyundai Motor Finance. The dealership called them directly as I was purchasing a new car and I did not want to fully pay off the load until this was addressed. However, after the dealer called on my behalf I was assured that once the loan was paid off that HMF would refund any overage. That did not happen so I again reached out to HMF. I called for the last time on XX/XX/2020 and was told essentially I am out of luck as only the payment processing department can help and there is no way for me to contact them directly. The manager stated because I paid off the loan due to my trade in, all he sees is that the loan is satisfied and there is nothing he can do. This is extremely distressing and I am lucky enough to have caught the mistake as I am sure some people may have never caught it. However, no one with HMF Financing is able to address the issue. They even stopped providing a payoff amount after I began complaining which makes it even more upsetting. Who knows how much money I am being overcharged.
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| 06/14/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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KIA Finance. I am a lessee. I moved from XXXX to XXXX in XXXX and notified my insurer before I moved on XX/XX/XXXX and contacted KIA to transfer the title to XXXX so I could register the car in XXXX. XXXX DMV received the title on XX/XX/XXXX and I registered the car that same date. KIA Finance paid XXXX for XXXX sales tax that was due for the year beginning XX/XX/XXXX but I was already living in XXXX, thus no sales tax was due. Before I even moved to XXXX I notified the Sales Tax Assessor in XXXX, XXXX that I was no longer living in XXXX and she gave me her name and email and told me to email her once my car was registered in XXXX and she would refund KIA the sales taxes erroneously paid by them. My monthly KIA car payments are automatically deducted from my bank account and they are up to date. But everyday a KIA finance agent calls me to pay them the XXXX sales taxes of {$280.00}. Ive spoken to 5 people from KIA in the last 3 days, two of which hung up on me when I explain this isnt my debt. Today their collection agent claimed that I was late on my car payment because she said they switched my car payment to apply to XXXX sales taxes and it will go on my credit report as not having paid my car payment. She said they were allowed to apply the money paid to my car payment any way they wanted. I am spending hundreds of dollars overnighting mail to KIA and the State of XXXX only to have 2 KIA agents tell me they will destroy my credit unless I pay this money owed because KIA will not ask XXXX for a refund - implying it is easier to harass their customers to XXXX instead.
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| 12/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Hello Team, I had purchase XXXX XXXX XXXX model with XXXX XXXX XXXX XXXX of XXXX Massachusetts on XX/XX/XXXX and when I had bought the vehicle I had took loan with Kia motor finance which was endorsed by the dealer. I duly closed the complete loan amount XX/XX/XXXX as I did a auto refinance to another institution, and now the loan amount with Kia motor finance was paid off.
When I had bought vehicle i had bough couple of packages with XXXX which was again told by my dealer and since I wasn't satisfied with the product I canceled the service a year later, now this product was prorated and there was refund cheque to be issued to me, the dealer never sent cheque to me instead he sent cheque to KIA motor finance which in first place was wrong, moreover KIA motor finance en-cashed the cheque on XX/XX/XXXX for {$1200.00}. I had been following up with them from XX/XX/XXXX to get the money refunded back to me however they are just delaying the procedures, initially it was stated i will get a refund in a week and then when i went back to them on XX/XX/XXXX week they stated it will be sent by XX/XX/XXXX week and now they state it will take 1 more month, they are holding my money without no reason. If a customer doesn't pay money on time banks apply penalties and interest and now since they have en-cashed money which is not belonging to them and they are refusing to send money to me on time what penalties can be implemented on KIA motor finance and also what action can be taken on the dealer who endorses them in first place. I need help. Can someone assist me?
Thank you, XXXX XXXX
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| 06/17/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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Received buyout quote from XXXX XXXX. As instructed by XXXX customer service, paid the full amount in two electronic payments because their system had a limit for single payment below the buyout amount. The amount was paid well within the amount of time required for the buyout to be valid.
Ive confirmed with XXXX customer service that payments were received, and they also show in my XXXX account online. It appears though that the payments have not been properly applied to buyout and the account remains active and therefore they will not release title.
Finally, even though XXXX customer service indicates account is still active, which is why title is not released, XXXX has reported to credit agencies that account is has been closed. Ive verified this through a credit monitoring service I use.
The payments for the lease buyout were posted to my lease account online more then 30 days ago. I contacted them first about 2 weeks after that to determine when I might expect to receive title. This is when I first learned that there was a problem. XXXX never once contacted me. Since then, Ive contacted XXXX many times. I was told they do not have the ability to communicate any updates out to me, so the only way I can find out status is to call back in. Ive done so multiple times and talked to multiple people. So far everyone agrees that buyout is fully paid, they have all other required documents and account should be closed and title released. But, no one can actually confirm with department within XXXX that is responsible for doing this that this is actually happening.
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| 06/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hello, My car was deemed a total loss and my insurance totaled the car out and sent Hyundai Finance a check in the amount of {$22000.00} that they received and processed XX/XX/22. I checked my account XX/XX/22 to verify that it had been closed but it is reporting as a repossession and saying I owe XXXX, I called Hyundai XX/XX/22 to see what was going on they told me they didnt know and would request for the account to be closed and it will take 5 days, I allowed the days and called back on XX/XX/22 and was told there was no change and they were still unsure why it was reporting thats way. I expressed to them that this has ruined my credit that Ive worked super hard to rebuild and Ive been a good customer with them. They said it could take months for my credit to show it as a total loss. Since then Ive tried to get a new vehicle for me and my children and I have been denied everywhere with every bank due to Hyundai reporting my car as a repossession. This is causing a very huge strain on my life I am the sole provider for me children and I cant get us another vehicle due to this false information being reported. I have a letter from Hyundai stating that my insurance paid the car off and it is a total loss not a repo but even when I have presented this letter to banks or car dealers im still not able to get anything! Im really truly in a tough spot and needing assistance because I get the run around from Hyundai being transferred to different departments and told nothing. Please assist me in getting this information corrected so My family and I no longer have to suffer.
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| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Dear HMF : Thank you for your response to my original complaint submitted on XX/XX/2023 ( Ref : XXXX ). Please note that I do not accept an apology for miscommunication. And the case is not closed because no resolution has been discussed and reached.
First, it is not just miscommunication. I was provided with wrong, inaccurate information by multiple customer representatives. And those misinformation have consequences, which HMF is responsible for resolving them for me.
Secondly, I am paying more than what I was supposed to pay to buy out my lease ( pay off in full ) because of the delay caused by the inaccurate information. Please refer to the two buyout letters generated by your system : one generated on XX/XX/ quoting me the total purchase price of {$42000.00} ; the other one generated on XX/XX/2023 quoting me a higher total purchase price of {$42000.00} ( both letters saying the quotes expiring on XX/XX/2023 ). Please explain the difference.
Thirdly, I was ready to pay off my lease so I came down to the dealer XXXX XXXX in XXXX XXXX on XX/XX/ to do the payoff. I wanted to pay off my lease before the XXXX payment is due ( XXXX payment is due on XXXX XXXX XXXX ) but because of all the wrong information given by HMF customer representatives, the payoff has been delayed and XXXX payment was deducted on XX/XX/XXXX even though it is not even due.
I request HMF to fix all the mess they created and make sure my lease is paid off as I intended originally. I refuse to pay any additional charges/fees caused by their incompetence & irresponsibility Best XXXX XXXX
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| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
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Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX.
I purchased a new XXXX XXXX XXXX in XX/XX/XXXX. I financed through Hyundai to take advantage of an additional {$1000.00} off the price. To satisfy the terms I needed to make 5 payments and then refinance. I made the 5th payment in XX/XX/XXXX and sought financing through XXXX XXXX XXXX XXXX. Hyundai received the 10-day payoff amount in full on the XXXX of XXXX. Sadly, Hyundai processed an additional payment from my checking account. Im writing for the refund of {$380.00}, the ACH payment pulled from my checking account XXXX XX/XX/XXXX.
Ive called Hyundai Finance customer service beginning XXXX XX/XX/XXXX to get this action corrected. Most recently today, XXXX XXXX, I spoke with XXXX who stated he added to XXXX XXXX complaint and advised me to call back in 5 - 7 business days and call later in the day. On XXXX XXXX, XXXX, Supervisor, assured me that the refund would be processed and that I would receive payment by XXXX XX/XX/XXXX. No payment has been received. XXXX was not the first to assure of this, many before him failed as well. Hyundai has not provided in writing satisfaction of loan payoff and the excess amount owed. These facts have been shared a dozen different times with different named persons answering at Hyundai Financial ( XXXX, XXXX, etc ).
The loan number was : XXXX Payoff was from XXXX XXXX XXXX XXXX for the stated 10-day payoff of {$18000.00}. After 180 days it is time to provide this overpayment Refund, {$380.00} to me at the address on file.
|
| 01/31/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Upon termination of my lease in XXXX I was assessed a disposition fee above the contractual obligation. In investigating this fee I had discovered that XXXX XXXX was charging for hail damage to the vehicle. This vehicle never experienced a hail storm while in my possession.
The process of contacting XXXX XXXX XXXX XXXX and disputing the charge took costly time. Once the determination was made by a XXXX representative that I was indeed not responsible for any additional charges, as there was no hail damage, I immediately paid the remaining disposition fee. I had never been late in a vehicle payment to XXXX or any other automotive debtor.
Because of the time it took XXXX XXXX to investigate and correct this charge I was outside of my 30 day payment window. They they reported me to the 3 bureaus as having a late payment.
I sent my formal request to have the negative marks removed from my credit report at the 3 bureaus ; XXXX, XXXX, and XXXX. I submit this request on authority from the representatives at XXXX. I included a brief statement on what had happened and a copy of my credit report. On XX/XX/XXXX I received a letter from XXXX XXXX saying their reporting was correct. I called on XX/XX/XXXX to take further action. At this point I was informed I could make another formal dispute but could not actually speak with anyone who makes the decisions. A customer service rep by the name of XXXX and his supervisor XXXX were quite unwilling to help.
I just want the negative mark removed from my credit. I am currently not obligated with any further debt to XXXX XXXX.
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| 09/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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On may I bought a XXXX XXXX XXXX ( Kia Fianance ) and on XXXX I refinanced it thru ( XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent two checks one for {$16000.00} ( XXXX ) and {$65.00} ( USPS ) money order in the same certified envelope to paid off my auto loan with them. After several calls with KF to verified it they received the payment, they told me that I need to put a stop payment on the checks and send a new ones. I went to the United States Postal Service and they told me that Kia received the envelope with two checks on on XX/XX/XXXX. I submit an inquiry with them USPS and the results was that Kia cashed the money order on XX/XX/XXXX. When I went to XXXX they putted a stop payment on the first check and gave me a new one with the same amount {$16000.00}, so I sent another sets of checks the XXXX and a personal check of {$100.00}. I called a lot of times and they always said that they didn't received the first envelope with the XXXX and money order check, but I have all the evidence from their website and USPS that they received it. Also, they gave me a fax number to submit my evidences but that number doesn't worked. I had to paid extra money sending everything certified to them to the address that they gave me and every time that I called them and ask if they received it they said not. When I went to the USPS they told me that they are giving me the incorrect address because the zip code Kia gave me is rural and the address is PO BOX XXXX but USPS delivered to the correct address.
I need to resolve this situation and my money back as soon as possible.
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| 06/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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We borrowed money to buy a car from KIA Motors - loan was for {$12000.00} in XX/XX/2019.
In XX/XX/2019, we requested the full payment amount - we paid off the full amount by XX/XX/2019 after requesting a full balance due and paying it off. For several months after that, we continued to get monthly bills - we continued to tell the billing person that the amounts have been paid off. We even received a letter from KIA Finance that the loan has been paid off. However, the calls continued each month with a new person calling.
We were recently denied credit and when we requested some further information, it turned out that KIA had reported a dispute and a balance outstanding in the approximate amount of {$310.00} which had caused our credit to be denied.
We called them at their 800 number today and were told that we owe them approximately {$310.00} and we were not allowed to speak to a manager. The conversation was very abrupt and we were given no options including any accounting of why we owed the balance after we had paid off the loan, received confirmation that the loan has been paid and the title has been released. However, the person on the phone said that the title is not released in their system and that we owe them the money. He refused to allow us to see the documentation of the calculation and just said that we had to pay the money. He said that his record showed that the manager had communicated this to us earlier and was not ready to share the reason for the owed amount but we do not remember or recall such a conversation.
Attached are the documents.
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| 10/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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I called Hyundai Motor Finance to make a payment over the phone since they are unable to take my payment online due to an issue on their end. While speaking with the agent, I informed her that I wanted to make my normal monthly payment of {$230.00}. She took the payment and waived the {$7.00} processing fee due to the issue I was facing online. However, she submitted XXXX payments back-to-back. XXXX for {$230.00} and XXXX for {$230.00}. I NEVER authorized a payment for {$230.00}. I checked my XXXX account this morning and saw the XXXX payments taken out which prompted me to call Hyundai Motor Finance. The gentleman I spoke with said he did not know why the previous rep took XXXX payments but offered to refund me the {$230.00} payment which would take approximately 20 days to receive. I explained that I never authorized the payment for {$230.00} so wanted that XXXX to be refunded. He said he could not because he ca n't refund service fees. I never authorized the {$230.00} payment or the processing/service charge, yet Hyundai Motor Finance refuses to refund that payment. This is highly concerning as I feel I was lied to and their negligence is only costing me my hard earned money. Please contact me so I can have Hyundai Motor Finance investigated for this. I also had an issue during the initial call when I asked them to waive a late fee due to their system issues and they refused. This needs to stop and they need to be penalized for these types of issues. I am a customer of several other financial institutions and have never had these types of issues anywhere else.
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| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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XX/XX/ : I paid off my vehicle ( XXXX XXXX XXXX ) with Hyundai Motor Finance .
XX/XX/XXXX : I called Hyundai Motor Finance asking if they'd released my title to the DMV. They advised that, due to system errors, they could not do it at that time but would send it out within 72 hours.
XX/XX/XXXX : I followed up with Hyundai Motor Finance and they stated that this had been completed.
XX/XX/XXXX : a serious legal complication arose in my life where I needed to prove to the Court that my vehicle was titled in my name ASAP! I contacted the DMV for a copy of my title, they stated they did not have it. I then immediately contacted Hyundai Motor Finance, and the representative said there was " nothing they could do since the vehicle was paid off ''.
XX/XX/XXXX : I spoke with a member of management at Hyundai Motor Finance who finally promised to take immediate action in getting my title released to the DMV. I asked for a confirmation email, they said they could not provide that but I should " trust them to get it done ''.
XX/XX/XXXX : I went to the DMV to follow up on whether they received my title paperwork. Still NOTHING. Keep in mind, Hyundai Motor Finance has been WRONGFULLY holding on to my title - MY legal document showing ownership of my vehicle - for over SEVEN MONTHS!! This company has had NO sense of urgency in rectifying their mistakes and I keep getting different information. I NEED MY TITLE ASAP OR I WILL FACE HEFTY LEGAL CONSEQUENCES. And if that happens, I will be taking my own legal action against Hyundai Motor Finance for pain and suffering!
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| 05/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Hi there.
I have been trying to get a Lien Release letter from Hyundai Motor Finance for a XXXX XXXX that I purchased out from my lease on XX/XX/22 ( payment amount : {$11000.00} ). I was sent the title in the mail ( from Georgia ), but when I went to register the car in New Jersey, I was turned away at the DMV because I was not sent the lien release form from the financial institution ( Hyundai ).
I have been trying to get the lien release sent by Hyundai Motor Finance since XX/XX/XXXX, and I was told then that it would be mailed in 10 days AND faxed to me within 4 days. Neither of those things happened, and I have now had to reschedule DMV appointments multiple times, which are not easy to get. I have been told on the phone several times that the " back office '' needs to process the request, which apparently takes multiple days, and then they told me that I will have to call them back for an update. I have had this same conversation multiple times, and they have no record of why it was never sent, and I'm not confident that this next request will be sent.
I have agreed to sell the car and have a buyer lined up, but I am now being forced to hold up the sale of my car due to not having the Lien Release, which is something that should have been sent on XX/XX/22 when I purchased the car. I do not understand why a simple letter can not be emailed/fax/mailed instantly.
I have seen multiple people across different websites complaining of the same behavior at Hyundai Motor Finance and I will not be leasing/purchasing a car from them ever again.
Thank you.
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| 10/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
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I leased in XX/XX/2020 a new car from XXXX XXXX and the lease was financed through KiaMotorFinance. I paid the down payment and the XXXX lease payment via a check from my checking account and requested all further payments to be withdrawn from this account as well. I was assured that that was done this way and that I would receive a welcome package from the bank with all information regarding this. After two weeks I had not gotten any mail I contacted the dealer concerned about this but again I was assured that all was in order and due to Covid19 there were delays. Than I called the bank but I was told to give them my account number but I did not have that and I was told again that I would get this soon. Due to my very tough work schedule in the XXXX dealing 12-15 hours per day with XXXX XXXX and the reassurance from dealer and bank I did not worry any longer until one day in XXXX a tow truck showed up to repossess my car but the driver left after I explained and showed all my proof and said that this didnt sound right. I than immediately called the bank and one employee recognized the problem and emailed a statement to me and I realized that KiaMotorFinance had used a totally wrong address and according to the bank associate had done so even after the mail was returned to them. And still they did not contact me or the dealer to right this wrong. And now they do not answer 3 certified letters, emails or phone calls but just hang up. I even immediately mailed a check with the full amount but this check has not been posted by them.
I hope that you can help
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| 08/12/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I leased a Kia XXXX which the Lease Expired, in XXXX of this year. Because of COV-19 Delaware begin its state of emergency in early XXXX with stay at home orders. At the request of the dealer I turned my car in the end of XXXX. Two weeks later I logged into my Kia Motors Finance account to see my end of year lease report which showed {$0.00} due. I was under miles, no damage, etc.
3 weeks ago which WAS 4 months after I turned in the lease I get a bill for {$9300.00}.
Excess MIleage Charge {$8300.00} Turn In Fee {$400.00} Unpaid Lease Payment {$450.00} XXXX XXXX and Taxes {$180.00} The bill shocked me since 4 months had past and when I logged into my account previously it said {$0.00} due. What also shocked me was the Excess Mileage car because my car only had @ XXXX miles on it when I turned it in which was not even past the XXXX i was allowed each YEAR.
I called to dispute. I learned that the dealer added another XXXX on the mileage so it looked like I had XXXX. That was quickly corrected. I was then told I still owed a payment for XXXX. I explained I'm not paying fo a payment for a car I didn't have which I turned in early because Emergency stay at home orders. I asked for a letter explaining why, and they told me to talk to the Dealer. I explained I'm not working with the dealer as I was told everything would be fine, and I am disputing the remaining balance. They are refusing to even attempt to show compassion during this COV19. If this is no resolved through this channel the next step will be a complaint with my state Attorney General 's Office.
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| 09/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Notice to repossess
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Web |
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XX/XX/XXXX approximately XXXX in the day, sitting in front of my private property was my XXXX XXXX XXXX Kia XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX and HYUNDAI LEASE TITILING TRUST, XXXX XXXX unlawfully stole my private family travel conveyance without proper notice. Pursuant to lease agreement between said parties, if a default is inquired repossession of the vehicle without prior demand, unless otherwise required by the law. Pursuant to Pennsylvania U.S.C. Title 12 ; which was sated verbally XX/XX/XXXX XXXX to a XXXX on a recorded line to KIA MOTORS FINANCE, I also requested to speak to a supervisor, which their policy states has a XXXX hours to return a call and it took XXXX hours to call me back on XXXX the XXXX of XXXX and I talked to XXXX and she declined any information I requested besides a redemption process in which was she also stated I request the title and pay off remaining amount to the dealer ( XXXX KIA XXXX where I purchased my private family travel conveyance and send them the remaining balance which was not disclosed in the lease agreement nor was provided upon request. XX/XX/XXXX I sent a notice to set off was sent and received by Recipients and no response was given, XX/XX/XXXX again Notice for opportunity to cure was sent and received no response given. And XX/XX/XXXX XXXX KIA responded declining my payment and sent a letter stating they are no longer the holder of the title and to take matters up with HYUNDAI LEASE TITILING TRUST. I have also included case law the supports my statements. I also have complained to the XXXX.
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| 04/05/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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We leased a car from XXXXXXXX XXXX of XXXX. At the end of the lease term we turned it in. The lady looked over the car and said we owed nothing. Subsequently, we got a bill from XXXX XXXX XXXX saying we owed {$430.00}. We called the customer " service '' line and asked for documentation showing we owed that amount. They never sent us any documentation. So we looked on XXXX XXXX XXXX website and it showed that THEY owed US {$220.00}. [ This was 3 weeks AFTER they sent us the demand. ] We thought the matter was over.
In XX/XX/2017, we received a letter from a debt collector saying we owed {$440.00}. We wrote to them and contested it, asking them to send us documentation showing we owed the amount. They sent us the same invoice that Hyundai had sent us in XX/XX/XXXX, which explained nothing. Subsequently, we find that they placed a negative item on our credit report. This almost cost us financing for a new furnace for our house and caused the state bar of Colorado to ask the co-leasee for an explanation of this negative credit report.
Hyundais business practice was outrageous. They refused to show any documentation, other than an alleged invoice, to explain why while Hyundais website system shows they owe us {$220.00}, they still insist that we owe them {$430.00} AND placed a negative item on our credit reports. We do not like to owe anyone money, so we have always make payments on time. However, we also refuse to be the victims of paying any alleged unproven debt that comes out of thin air.
All the documents we have are attached with this complaint.
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| 02/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have been waiting for over XXXX months now for Hyundai Motor Finance to release my title. I fully paid off my vehicle ( ~ {$14000.00} ) and submitted the odometer reading at the end of my lease which was on XX/XX/2021. XXXX support claims the payment and statement were received and continually reported that the title would be sent out in XXXX business days.
I have been regularly calling them every few days but I never received the title and XXXX continues to say they will escalate the issue, but I never receive any response or resolution from them. No one at XXXX seems to know what the issue is. XXXX rep even told me that the title was sent to me and then sent back to them with an invalid address. They had the right address. Another rep told me that rep was lying and that they have no record of it being sent. Literally, their support team just tells you a scripted response to get you to hang up or go away ( and if that doesnt work they make something up ).
I still dont have a title after over XXXX months of waiting. Ive opened a case with Hyundai, which is proving useless, they dont care. Hyundai doesnt care about their customers once they hand you off to Hyundai Motor Finance XXXX Dealership also told me they wont assist me since I didnt purchase the vehicle directly through them. I bought it through XXXX.
I am filing this complaint to get the resolution asap as I am not being able to renew my license plate and its causing me a lot of inconvenience.
It seems like a lot of other people are experiencing the issues. PLEASE HELP!
I need my title.
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| 08/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX, XXXX and HYUNDAI FINANCE the Debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount from XXXX : {$1700.00} ; {$17000.00} from XXXX and {$13000.00} from HYUNDAI FINANCE. A violation of title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), ( 4 ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ).
Affiant is an Heir and Beneficiary to XXXX XXXX XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX by way of Jus Sanguine. Maxim of law - " The right of blood and kindred can not be destroyed by any civil law. '' 100 % of Right, Title and Interest in NOTICE OF SURETY ACT & BOND No. RE 295 357 246 US secured by UCC-1 Financing statement file # XXXX and Instrument no. XXXX recorded in XXXX County real estate records viewable at XXXX is assigned to XXXX XXXX in toto as Heir Beneficiary.
For the record, on the record and let the record reflect. NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
Pursuant to Public L. No. 10 Ch. 48, 48 Stat. 112, 113 ( HJR 192 ), all public debts shall be discharged for full " Acquittance Discharge and Settlement '' and 'Closure ' to include but not limited to all so called debts XXXX, XXXX and HYUNDAI FINANCE may portend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Also reference Public Resolution ( Law ) 73-10, 31 USC 463, 31 USC 5118 ( no money was loaned ).
XXXX, XXXX and HYUNDAI FINANCE is insolvent and Civiliter Mortuus with no standing in law to make any claim against this Estate.
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| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I surrendered my lease back on XX/XX/XXXX and never received an end of lease bill. I called several times over the past 2 years asking for one so I could pay what I owed and I was told I needed to wait for a letter to come in the physical mail.
According to their end of term invoice policy, I should have received an end of lease bill within 30-45 days of handing in my lease. I wanted to pay what I owed so there would be no issues later on. I kept calling over the next 2 years and was met with the same response that I had to wait. I never received any mail.
Fast forward to this XXXX ( XXXX ), I received notice from my credit bureau that I had a delinquency on an account that was 30 days past due- it was XXXX and my credit score decreased by XXXX points. I have been in contact with Hyundai Motor Finance ever since that day in hopes of resolving this issue. After many, many phone calls, written letters, supportive documentation, and even a supervisor in support of my case ( she emailed the credit dispute department on my behalf ) I am still told that I am in the wrong.
I have a strong feeling XXXX did not review all my letters, cell phone records ( as requested by the supervisor ), and recorded phone calls to XXXX over the last 2 years.
XXXX did not abide by their policy and took advantage of someone who had never missed a payment and who was doing the right thing all along.
*Please review ALL documentation as they state key dates, names, and evidence. Please take my concern seriously as this issue will affect my credit score for years to come.
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| 09/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
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On XXXX XXXX, 2016 I went to KIA of XXXX, Al. to see if I would qualify for a 0.0 % interest deal KIA Motor Finance was offering. I told the sales associate ( XXXX XXXX ) that I did n't want them to run my credit at that time because I wanted to check with my credit union first. I told him I had been to a different dealership at the beginning of the year and was shocked to be notified by my credit monitoring service of a half a dozen hard hits on my credit report. I did n't want that to happen again. He assured me they would not " shop around '' my loan. I went back to the KIA dealer the next day and told the sales associate again, and the sales manager ( XXXX XXXX ), that I was only interested in finding out if I would qualify for the 0 % offer through KIA Motor Finance ( KMF ) and that, if I did not, I did NOT want to pursue any other offers. I told them why. I told them several times : " Only KMF '' and was assured by both of them that they would not shop it around. I was clear and unambiguous. I made sure that there was no misunderstanding. They lied to me. I got approximately XXXX hard hits on my credit reports from the various credit reporting agencies as a result of KIA of XXXX ( and/or KMF ) completely disregarding my wishes and instructions. I talked to the dealer and they said call KMF. KMF said talk to the dealer. I contacted one of the credit reporting agencies to see if all but the inquiry from KMF could be removed. I would have to have a staff of people to jump through all the hoops they said I would have to in order for that to happen.
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| 12/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Lender : Hyundai Motor Finance ( XXXX, XXXX ) History XX/XX/2021 : Purchased XXXX XXXX XXXX with {$7400.00} XXXX 2.5 % XXXX loan from HMFUSA XXXX
XX/XX/2021 : Made {$6000.00} pmt.
XX/XX/2021 : Called HMFUSA and asked {$6000.00} to apply towards principal payment.
XX/XX/2021 : HMFUSA credited another {$6000.00}. Account shows {$0.00} amount due. ( attached exhibit 1 ) XX/XX/2021 : HMFUSA sent a loan satisfaction letter and released the title. The letter states " This letter shall serve as certification and evidence of satisfaction of the above-referenced retail installment contract '' ( attached exhibit 2 ) XX/XX/2021 : FL DMV Vehicle title record shows " There is no lien on this vehicle ''. ( attached exhibit 3 ) XX/XX/2021 : Logged in to check loan status. Payment history shows {$0.00} balance amount. ( attached exhibit 4 ) XX/XX/2021 : Called HMFUSA to inquire about the loan status. CSR confirmed the loan is paid in full and I have 0 outstanding balance. Phone conversation is recorded. XXXX : XXXX XX/XX/2021 : While on vacation, received a call from HMFUSA that I now owe HMFUSA. I explained that I've received loan satisfaction letter and title was released. Asked supervisor to call me. Never received the call for any explanation of change.
XXXX : Back from vacation, logged in to the same account. Payment history is changed. ( exhibit 5 ) The principal balance changed to {$1400.00}. It also displays Total amount due {$890.00}. " Your account is XXXX day ( s ) past due '' ( exhibit 6 ) XX/XX/2021 : Called HMFUSA to inquire more. Not answering.
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| 06/25/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American |
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I leased a vehicle from Kia Motors Finance in XX/XX/XXXX, i paid over {$3000.00} as a " due at signing '' amount and the lease term was for 3 years and 3 months with XXXX miles. The vehicle was due to be turned back in by XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX in excellent condition ( i have a condition report with pictures done by a licensed company used by Kia ), with just over XXXX miles. I made the agreed on monthly payments of {$350.00} per month for the entire lease period, never late with payments. Now Kia Motors is saying i owe them {$400.00} as a " turn in '' fee and the XXXX cent is for over mileage. The " turn in '' fee is because i did not lease another vehicle or purchase a new vehicle. When i leased the vehicle back in XXXX, i knew nothing about a " turn in '' fee. I spoke to a representative at Kia today name XXXX at around XXXX XXXX who informed me that the " turn in '' fee and excess mileage cost of XXXX cent could not be waived under any circumstance. At the time that i turned in the vehicle i had just gotten out of the hospital with a XXXX XXXX, and i am still ill and unable to work, this can be documented. I do not wish my credit rating to be negatively affected by this mark, particularly since i have such a good record of making on time payments for the vehicle. I think it is a ripoff for Kia or any dealer to charge the consumer for returning a leased car, simply because the consumer does not choose to lease again or to buy a new vehicle from them, and particularly during this Covid-19 crisis. I am a senior citizen.
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| 03/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I set up autopay, for a few days before my due date, while on the phone with a Kia representative. Great- payment went through with the info I entered, no problems. The next month, they said the payment was rejected by my bank and waited until 1 day after the due date to tell me, charged me a {$15.00} rejection fee. I went online, clicked " pay bill '' ... .did n't enter different information, used everything Kia had already to make the payment ( meaning my 14 digit checking acct. # was saved to my Kia acct. properly ). There was no reason Kia couldn't have processed the payment, but they processed it with only 11 of the 14 numbers. I called Kia and they assured me it was fixed and wouldn't happen again. Next month... same thing. I had to call Kia 6 times to get it sorted out. They shut down my online acct. less than 24 hrs. after my due date so I could not pay online and when I asked to be transferred to online help to see why the autopay wasn't working and find out why I was couldn't pay online, they transferred me to a third party collection agency, XXXX, and they wanted a {$7.00} fee to process the payment over the phone, plus the late/processing fee of {$15.00}. I was assured my autopay was set-up correctly by Kia, and then they charged me late fees because they didn't process the payment correctly. I begged them to waive the fees, and they did, but rfused to allow me access to my acct. or transfer me to any other dept. except collections until my payment processed. Collections after less than 24 hrs. late... .with autopay set up correctly.
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| 01/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Since XX/XX/XXXX, I have been trying to get a correct payment history from XXXX XXXX XXXX XXXX because of double bills with different amounts and extra payments made that don't add up to the amounts owed. When the payment history was received in XX/XX/XXXX, it was wrong. Years of extra payments were not on it. I have tried to get a corrected payment history by emailing the XX/XX/XXXX website and calling to no avail. I was promised a corrected payment history by email in early XXXX because I wasn't sure how much of the partial and full payment I owed. The company lied to CFPB when they said they emailed me a corrected payment history in XXXX after I requested the payment history in XXXX. They did not. I check my email and junkmail every day. I have XXXX XXXX receipts for the payments that were not on the payment history. I need to know how much I owe on the payments so that I can pay the car off. I refuse to pay more than I owe. They have lied to me and CFPB, and they have harassed me and my students by calling me while I XXXX 7 times in 3 days when they were told I could answer calls after XXXX XXXX with an explanation as to why ; I have to keep my phone on for work notifications, which I don't get on time now that I turn the phone off. They have lied to me, stolen from me, and now harassed me. I want to know what the last two payments, if indeed there were even two payments left, are. I want to pay off the car. I need an emailed payment history. I was offered that in XXXX when they said the audit had been done and it never arrived in my email.
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| 06/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Hi, I would like to escalate my complaint to XXXX XXXX XXXX - CEO of HCA. I was contacted by HCA Care Department on Tuesday ( XXXX XX/XX/2023 ) and spoke to XXXX XXXX XXXX XXXX. I explained the case to him and XXXX looked into it. We spoke on Wednesday and again today ( Thursday, XX/XX/XXXX ). XXXX assured me that he will take care of my case and make everything right. However, after he spoke to his supervisor about his proposed resolution, he called me back and told me his supervisor did not approve it on the basis that I did not call back the customer service the next day (??? ). I asked to speak to the supervisor but XXXX said he needed to schedule a call back tomorrow. Why on earth did I have to pay extra because of the wrong information given by the customer service? It is not about the amount, it is about the fact that you gave your customer wrong information leading to delay leading to extra cost and you are not taking responsibility for it.
This is written in your website " In addition to our headquarters in XXXX, CA we have three operations centers in the USin XXXX, XXXX, and XXXX XXXX employees all committed to being a value-adding partner for our customers and supporting them with industry-leading customer service. '' Please show me how an " industry-leading customer service '' company treats their customer I request to speak to XXXX XXXX XXXX and get my case resolved no later than Friday ( XX/XX/2023 ) My name is XXXX XXXX XXXX XXXX ( my phone number is XXXX ). My car 's VIN number is XXXX. My Hyundai Motor Finance account is XXXX
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| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Kia finance attempting to collect a Insurance deductible for XXXX XXXX following car accident on XX/XX/22. Car was insured by XXXX, paid in full and residual excess value after meeting XXXX deductible was given to me via direct deposit. Last payment on lease made XX/XX/22 almost XXXX months after accident. Following this XXXX informed me to cease ALL payments to XXXX.
Kia motor finance calls me daily and hangs up as soon as I answer, no one at XXXX can explain to me why its there, only the amount they think is owed.
XXXX is attacking my credit illegally and filing the fraudulent deductible balance as a delinquent payment despite no statements saying I am required to make monthly installments on this deductible. I am going to be consulting an attorney and potentially suing for damages as I took a near XXXX point hit.
XXXX was already sued for $ XXXX for this after my car accident happened. XXXX is handling this matter unprofessionally and in a toxic manner as the only time the harassing caller answered me was to argue and have a toxic harassing attitude.
I have reported this to XXXX with no response following the report, and XXXX also fails to respond in a timely manner following internal investigations if they even actually perform XXXX, only returning paperwork saying I owe a deductible. I never signed any paperwork for XXXX products involving insurance through Kia.
I owe XXXX $ on this lease and the documentation states it, they provided me documentation to literally purchase the totaled car for over XXXX XXXX This makes no sense.
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| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I recently checked my credit report and seen multiple items with incorrect information on it.
XXXX XXXX Acct # XXXX on XXXX and XXXX The information incorrect is the account number is not correct Date opened it not correct Balance isn't correct on XXXX it shows {$1400.00} on XXXX it shows as {$0.00} Payment status is incorrect and shows as charge off on XXXX while XXXX shows as paid in full Last report date is incorrect XXXX says XX/XX/XXXX while XXXX shows XX/XX/XXXX XXXX also states it as a Delinquent and Derogatory while XXXX has it Derogatory Also neither has the correct address associated with me This account should be removed from both XXXX and XXXX for being inaccurate.
Now there are two more accounts with XXXX that is not accurate Kia Fin Am Acct # XXXX XXXX XXXX Acct # XXXX XXXX on XXXX shows as payment after charge off which is not accurate, payment status isn't correct, active date is incorrect. Also credit limit being {$0.00} and high credit being {$9000.00} is incorrect. Date open XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. Along with the address on file not being mine.
XXXX on XXXX shows payment status as charge off which is inaccurate, last active date XX/XX/XXXX is incorrect on XXXX. XXXX has it as XX/XX/XXXX paid satisfactorily accurately. Also credit limit being {$1500.00} and high credit being {$1800.00} is incorrect. Date open XX/XX/XXXX, last active date XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. XXXX has last active date as XX/XX/XXXX and XXXXAlong with the address on file not being mine.
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| 12/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased my XXXX Hyundai XXXX XXXX for {$27000.00} from Hyundai Motor Finance XXXX ( HMF ) on XX/XX/XXXX the check was chased on XX/XX/XXXX. After receiving notification the check was cashed I called the finance company to coordinate the release of the title. XX/XX/XXXX they told me they had sent the title to my home address through XXXX and should receive it within XXXX business days. After a couple of weeks, I still had not received the title so I called back letting them know around XX/XX/XXXX and they told me they would mail it out promptly. I still had not received it after another XXXX weeks so around XX/XX/XXXX I called again letting them know it had not been received and I was informed then that it had been returned by XXXX because the address was not found so they would mail it out again. During this conversation, we confirmed my address once again ( I have received numerous communications from them with no issue previously ) they let me know they would Re-send it. Following this conversation, I checked my mail frequently and after another XXXX weeks, I noted I had still not received it. On or around XX/XX/XXXX I called XXXX, asked to speak to a supervisor, and explained the situation. I was informed they were sorry and would expedite it to me. Since then I have been told many times that XXXX has sent it out but I have yet to receive it. On XX/XX/XXXX I visited the VA XXXX where I learned the XXXX on the vehicle had not been released. Ive not received the title yet and it's XX/XX/XXXX almost 3 months after they cashed my check
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| 04/14/2020 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Older American |
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On XXXX/XXXX/XXXX, I received a phone from my Auto car company, Kia Finance. Long story short, I requested a Cease & Desist. They proceeded to call me 18 times, from XXXX, 3 times a day. My first complaint for F.D.C.P.A. Violations, Harassment & Abuse. The first call on XX/XX/XXXX at XXXX XXXX, violated the C & D request. The 17 calls that followed violated Section 806 Harassment & Abuse under the F.D.C.P.A.. I sent a demand for payment & in the letter, I stated would like to resolve this without getting my Attorney or the C.F.P.B. involved, to no avail. I was advised by an Attorney here in XXXX XXXX that Kia Finance does not fall under Federal guidelines for collections abuse. So they have just do what they want. when they want??, how is that even possible. They are a Creditor & should follow the guidelines set forth as all other Creditors do. I have the backup documentation if required. U.S.P.O. receipt showing delivery, the green card, I sent it certified receipt requested, stamped by Kia. I have received 2 letters from Kia, both acknowledging my XXXX & XXXX The first letter dates XX/XX/20. The very next date after I took the 18th call from them on XX/XX/20 at XXXX XXXX. The rep I spoke with apparently knew what he was doing because the letter is dated the very next day. Still the cat was out of the bag so they say since my C & D was requested on XX/XX/20. I am looking for compensation for violations stated above under the F.D.C.P.A. My account was current on XX/XX/20, just 3 day 's pass due & is now & will remain in a current status.
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| 12/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In XXXX we returned our leased vehicle to the dealer as instructed. This was during the beginning of the pandemic. We were told we would be contacted by the leasing company regarding next steps. Several months passed and we did not hear anything. Finally sometime around XXXX/XXXX we were contacted about the vehicle 's inspection, completed the required forms, and were told we would receive the final end of lease terms and payment information in a separate communication. Again months passed by and we heard nothing. We eventually received a call from the lease company 's debt collection service that our final payment of approximately {$850.00} dollars was passed due. We explained that we never received any type of written or verbal communication regarding the final payment. We were told that the company had the wrong address on file ( we did move during the time of the lease ), but that we had nothing to fear as long as we paid the final bill, which we did. This completed our obligation for the lease. Unfortunately the payment was recorded as 30 days late and is now reeking havoc with our credit. Given that the pandemic caused all types of delays and that there was never any formal written communication regarding our end of lease payment we felt it wasn't fair to have our credit dinged with a late notice. We appealed to the leasing company ( see attached ) but they have been reluctant to work with us. I'm hoping this can be rectified. We have paid the lease in full and just want our credit restored by having the delinquency note removed.
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| 04/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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In XX/XX/XXXX, I registered my car in Maryland where I moved to from Alabama. Hyundai Motor Finance never sent my title to Maryland. Fast forward to XX/XX/XXXX when XXXX buyout my lease because I am tired of dealing with their company. The first check that my bank sent them, they lost. The second check finally was obtained and the buyout was completed. They signed the Alabama title in XX/XX/XXXX and sent it to me. I took the title to a third part tag and title business to get a new title without HMF on it and was told I needed them to sign the Maryland title before they could. So the Maryland title was sent to XXXX in XX/XX/XXXX. HMF " can not find it ''. I had called multiple times to recheck the status and told the same. They can't find it and they will escalate the issue. No word back. So I apply for a duplicate title from the Maryland XXXX and it is sent to HMF to sign. It was send on XX/XX/XXXX and it is now XX/XX/XXXX and they can not find the duplicate title. I have been escalated and told the same from each customer service rep that " the titles department doesn't have a phone number to contact anyone, only email ''. I can't be CC 'd on any emails per their policy. I have to wait and keep calling to see if they can find it. This title is never being found and I am stuck waiting and calling to be told the same over and over again. They have no financial interest in this car and can not find and simply release the correct title. My current financing is through XXXX and they need a copy of the title and so do I WITHOUT HMF on it.
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| 12/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American |
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We purchased a vehicle and financed in XXXX, XX/XX/XXXX, in XX/XX/XXXX we moved to XXXX.
We contacted XXXX in XX/XX/XXXX to change the address and request the title be transferred to XXXX so we could register and get the license plates on the vehicle. We followed the instructions as required. We were asked to wait XXXX to XXXX weeks for the process to be completed.
We followed up in XXXX weeks and we were told there was a problem with the names on the title ( spelling ) and the XXXX dealership had been contacted to request a replacement title.
Called back a week later, told it was resolved and XXXX title would be processed by end of week. Requested to call back if no update in a week.
Called back, told that the title could not be processed because name was wrong on title. There was a space in the middle of my wifes middle name I called the dealership in XXXX and they check the State of XXXX system and was told the title was perfect.
Called XXXX back and filed a corporate complaint. Was assigned a Customer Agent. First call was great. Took all the information and promised a resolution. She called back a week later and told us the problem was both my name and my wifes name was on the title. One had to be removed. Silliest thing Ive ever heard.
She said this would resolve the issue. Wait a week and it would be taken care of So waited a week. Now we call and leave messages ( 4 times over a week ) and no return calls.
We need help as we are soon not going to be able to drive the vehicle as its registration will be expired.
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| 03/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Car accident on XX/XX/XXXX and car was totaled per insurance adjuster. Received letter from Kia Finance dated XX/XX/XXXX stating " This letter serves as confirmation your insurance company notified Kia Motors Finance that your vehicle was deemed a total loss ... ... .Monthly payments are not required after the date of loss. '' Received letter for missed payments on XX/XX/XXXX, XX/XX/XXXX ; Notice of Default XX/XX/XXXX ; Statement of past due amount XX/XX/XXXX.
Called Kia Finance on XX/XX/XXXX ; spoke with XXXX who said account is pending payment from insurance, and no derogatory reporting will be reported to credit bureaus.
Called Kia Finance on XX/XX/XXXX ; spoke with XXXX in Customer Svc - who referred me to XXXX XXXX in Collections - who transferred me to XXXX in Customer Svc -- who told me since this is a lease with claims, no payments required and nothing would be reported to credit bureaus.
Called XXXX XXXX on XX/XX/XXXX and was told they are waiting on letter of guarantee from Kia.
Received letter from XXXX XXXX dated XX/XX/XXXX stating they were still waiting for letter of guarantee.
Called Kia on XX/XX/XXXX and spoke with XXXX who stated they sent letter of guarantee to XXXX XXXX on XX/XX/XXXX, and resent via fax and email on XX/XX/XXXX, but would take 2-3 days to be processed.
Why are we receiving " attempts to collect a debt '' when initial letter said payments not required from date of loss, XX/XX/XXXX. Our jobs may be negatively impacted if this is reported as late payments or collections to credit bureaus.
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| 09/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Dealing with Hyundai Motor Finance, I had traded in my car on the XXXXXXXX XXXX XXXXXXXX and since then filled out and emailed a cancellation form to Hyundai Motor Finance XXXX.
I received a cancellation confirmation for an " Extended Vehicle Service Contract '' & a " GAAP '' contract on the day of XX/XX/XXXX.
For the vehicle with the last XXXX of the VIN Number XXXX Roughly, the value of the refund of these contracts is close to {$2400.00}, per my confirmation after calling Hyundai Motor Finance XXXX
On the day of XX/XX/XXXX, XXXX confirmed that they received that amount from the selling dealer ( XXXX XXXX ) and will issue myself a refund. This amount was also reflected in my online account under www.hmfusa.com Unfortunately, they are extremely shady, and upon receiving a {$100.00} cheque from XXXX, I logged in to my account on XX/XX/XXXX, and saw that the earlier statement that showed that XXXX had received a payment in the amount of ~ {$2400.00} is no longer there.
To top this all off, when I initially traded in the vehicle, XXXX claimed that I was unable to request a refund for these services and in fact that they do not provide a cancellation process for this matter. Only by the intervention of the dealership that purchased my old vehicle, was I able to get the ball rolling.
I am in desperate need of the XXXX dollars and some change, and have even considered filing a small claims lawsuit due to my situation.
XXXX will be avoided and so will their products in the future, no matter how good a deal it may sound like
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| 08/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Sent payoff via personal check to Kia Finance on XX/XX/XXXX. Payment was delivered to Kia 's lockbox on XX/XX/XXXX and check was negotiated on XX/XX/XXXX.
Revived a letter from Kia on XXXX saying turn-in of car was late. I called and spoke to XXXX that afternoon. Spoke further to another rep and went through gross detail on payment. Provided a picture copy of check via upload. on XX/XX/XXXX got a call from XXXX at XXXX. She asked for an official copy and asked to send to XXXX ( rediculously long email address and just asks for a mistake in typing ). I sent the following day ; assumed that with no kick back email it must have landed correctly. Monitored my account and expected some communication. With none forthcoming, I emailed the same email address on Monday XX/XX/XXXX and continued to send each day through XX/XX/XXXX and again on Monday XX/XX/XXXX.
After no communication I checked my account on website : a new collections letter was generated on XX/XX/XXXX ; it stated that I had done nothing to communicate to the company. Called XX/XX/XXXX spoke to XXXX in collections; explained the problem she sent me to XXXX who asked me to re-send the check image and to upload to the system. There is not upload category for this on my account, so I uploaded the image to the payoff category. All interactions have been professional but the obvious lack of receipt controls is disturbing. The lack of follow up is disturbing. The company 's CPA firm needs to review the receipt function and research functions- there are swiss cheese holes here.
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| 06/14/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX my bank sent the pay off to Kia to payoff my lease and purchase the car. I mailed in the Odometer statement to the address provided on the statement. On XX/XX/XXXX I received a letter in the mail with a Bill of Sale I needed to sign and a place to fax it too. ( Please see original letter ) I faxed it to the number on the letter on XX/XX/XXXX ( see first fax receipt ). On XX/XX/XXXX I received notice from my bank, the new lien holder, that I needed to provide proof of insurance. However, I can not do this until I receive the title and can register the car in my name. On XX/XX/XXXX I called Kia and spoke with a customer service rep who said it had not been received and I should fax it to a different number XXXX XXXX XXXX XXXX. I did this immediately ( please see second fax receipt ).
Today, XX/XX/XXXX, I called Kia again to confirm the bill of sale had be received. The customer service rep said it had not been. I asked to speak with a supervisor. The supervisor informed that I needed to send it to the XXXX XXXX XXXX XXXX fax number. When I told her I have a receipt that I did so and I needed the title immediately since I had to get the car registered as I can not drive it currently without. I asked her what I needed to do to get the Bill of Sale send over immediately. She told me there was nothing she could go and told me she was terminating our phone call.
My car has been paid off since XX/XX/XXXX and Kia is refusing to send me the title. I can not drive my car and have had to walk to work for over a month now.
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| 08/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX I received a secure email from Kia for a buyout quote good until XX/XX/XXXX, the amount was {$17000.00}.
XX/XX/XXXX I made a payment of {$2900.00}. This should have brought the balance down to {$15000.00} but it did not. It was brought to {$15000.00}.
XX/XX/XXXX I called Kia to ask why. Was told that it was sales tax. I explained that there is not sales tax in NH. They said that they would correct it.
Called back XX/XX/XXXX as it had not been fixed. Was told that it was a Rental Tax. I paid it. The balance now shows at {$15000.00}.
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again.
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again.
XX/XX/XXXX Called and asked that they fax the correct information to buy out company. They said they did. Buy out company never received it. Asked to send again.
XX/XX/XXXX called for updated buyout quote and last two payments applied to the account to be emailed to me and faxed to buyout company.
XX/XX/XXXX Received complete payment history with no buyout quote.
Called XX/XX/XXXX - Asked again for information to be sent as nothing has been received. They said that it was sent. Asked for it again.
XX/XX/XXXX Was sent secure email from Kia showing only a full payment history.
I can not have another company purchase my car, until they release this information.
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| 03/03/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Auto payment went through late, to avoid late fees, use website through Hyundai Motor Finance to pay again for XXXX. One Month later it is not reflected on finance statement for XX/XX/XXXX or XX/XX/XXXX. Now I am passed due by 19 days with no resolve, and currently out of {$380.00}, even though it was processed.
XX/XX/XXXX Contacted Hyundai Finance, work with customer service, no resolve XX/XX/XXXX, Hyundai collections called stating I am pass due called customer service right after call from collections explain situation no resolve, wait 3-5 business days XX/XX/XXXX, called back no resolve, file a Complaint with XXXX.
XX/XX/XXXX, called customer service again, still no resolve, told it was escalated XX/XX/XXXX called back no resolve again XX/XX/XXXX I was contacted by XXXX XXXX at XXXX, ( XXXX XXXX ) I was told to email my bank statements and also told that there was a glitch on their system with payments, I explain that I was not notified, and was told Money applied to billing was refunded which I didnt received. I explained that I would like my money to be applied to my loan and also would like any interest incurred by the mistake from their system to be fixed and also to fix any negative credit damage from their faulty system.
XX/XX/XXXX Contracted by XXXX XXXX from XXXX XXXX told not to not accept resolution on XXXX and that she was going to close the matter, told her I dont understand how you can close it due to the problem not being fixed.
XX/XX/XXXX Still no resolve, passed due again for the month of XXXX now.
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| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The lease is for an Hyundai and issue is at end of lease last payment of {$310.00}. At the end of the 36 month lease I turned the car to XXXX XXXX XXXX XXXX XXXX XXXX is also a Hyundai dealer. On XX/XX/XXXX XXXX XXXX sent the last payment for XXXX yp psy for my last month lease paymentto Hyundai. XXXX XXXX check was cashed on XX/XX/XXXX by Hyundai. On XX/XX/XXXX my lease paymnet was sent to Hyundai because it was on auto pay so the payment also went thru. Therefore the last payment was paid twice but Hyundai does not show both payments received. Since then I have spoken to Huyndai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to have them look for the XXXX last payments ( that means XXXX extra payment was sent to Huyndai ). No matter how many times I sent a copy of both checks, Hyundai did not find it and finally sent me to a collection agency.
XXXX collection agencies have contacted me on this alledged debt.
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( I understand that is illegal for 2 companies collecting on the same debt.
XXXX XXXX XXXX I have sent them the copies of both check via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX the only thing I get back from them is a copy of the lease and a statement that shows XXXX balance due yet they still want to collect {$310.00} My credit score is being affected because XXXX is showimg me as over 24 months late.
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| 03/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I have been calling Kia Finance for a month and a half now trying to get my funds applied correctly. I purchased an extended warranty and a maintenance package on my new car in XX/XX/2021. I found out that I could only use the maintenance package at the dealer it was purchased from and since I no longer live in the state I requested a refund on it. I also requested a refund on the extended warranty. The dealer sent both refunds as one check and instead of sending it to me. Kia applied it to my principal. When I called and asked why it was not sent to me directly. I was told they do not refund warranties. I explained the entire payment was not a warranty and was told they would request to reimburse me. Here we are a month and a half later and I am being told different things every time I call. First I was told they could apply the warranty refund to my upcoming payment and reimburse me the balance. Now three days before the payment is due, Im being told they will not do that. I keep asking where in my contract it says they apply refunds to the principal and no one can tell me. I have been told now by XXXX and XXXX alleged supervisors that the policy is its applied to the principal. Their policy means nothing if its not in my contract. I have spoken to roughly 8-10 different representatives and each one has told me they would have the maintenance package refunded to me and the balance applied to my payments for the next three months. If I am still making payments on the contract, then the funds should be applied as I request.
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| 12/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX my vehicle a XXXX XXXX XXXX XXXX was totaled in a car accident. Because I am in a Chapter XXXX bankruptcy there was a certain process that I and my insurance company had to go through so that the balance I owed on the vehicle ( approximately {$2500.00}. ) would be paid first and then I would receive the balance and my insurance company would receive the car title/letter of guarantee. In mid XXXX my insurance company XXXX conversed several times with both my Attorney and Kia Motor Finance and was reassured by Kia Motor finance that they would send the letter of guarantee within XXXX business days with the exception of the XXXX holiday. We are now in XXXX and my insurance company has not received the letter. Both they and I myself have called KIA Motor Finance and they have not been cooperating. I have requested to speak with a supervisor and none are ever available. I have left my contact information and have not received a call back, an email, nothing. They have refused to discuss the holdup with my insurance company only telling them it could take up to 1 month ( 30 days ) before they send the letter. This is unethical and ridiculous. This is generally a process that takes XXXX to XXXX business days at the most. Can you please assist me and my Insurance company with this matter. At this point my Attorney has done his part.
To verify the above information you can contact XXXX Insurance Representative XXXX XXXX XXXX XXXX XXXX. If you need to speak with my Attorney I can provide his contact information as well.
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| 01/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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XXXX of XXXX advertise to sale car @ {$69000.00} on their website, and I confirmed about same to XXXX XXXX XXXX XXXX XXXX XXXX ). Dealership DSR website has buy now button page below : XXXXXXXX XXXX XXXX -- XXXX Once you fill up buy now form, it directs to credit application and I filled the same on XXXX XXXX. Their sale rep ( XXXX XXXX ) called me in the evening and told me, he may not have vehicle on the lot or even if it is there, they will charge $ 5k above MSRP. I have verbally denied buying the car above MSRP ( advertise price ) and therefore there was nothing to do on that deal any further. On XXXX of XXXX morning XXXXXXXX XXXX from dealership ran my credit application for no reason. We neither has pricing agreement or nor car finalized as well. I got to know after my credit monitoring tool triggered me messages for hard enquiry from them. I asked dealership on serval calls, why they ran my credit, and they kept kicking my call in between transfers. Finally in the evening XXXX original salesman called me and apologies for un-authorized credit run and offered me car at MSRP plus $ XXXX ( instead of $ 5k ). I still denied working on that deal as well. While I filed application online, as per their buy now flow suggested, however they do false advertisement on price of Car and force customer to buy add on product in the name of market adjustment. They are conducting shady business practices, where they my run credit without pricing agreement or even without finalizing vehicle itself.
Thanks, and my best regards, XXXX
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| 11/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX XXXX XXXX sent our end of lease statement to an old address. the only way I found out about it a few months later was a negative impact to my credit, which was otherwise excellent. I called the customer service in XX/XX/XXXX and spoke to a representative who took my new address in order to send the statement to me. On XX/XX/XXXX I called customer service since I had not received the statement and the customer service representative said that the information had been inputted incorrectly by the previous representative, which is why I had not received it. In the meantime my credit had decreased another 52 points due to their error. I wrote to the credit dispute department on that day, XX/XX/XXXX, appealing for my credit to be restored. I also made a payment toward the balance at that point. I heard back 4 weeks later that they had denied my appeal. On XX/XX/XXXX I reached out to customer service again, as I still had not received my end of lease statement. I found out at that point that making payments toward the balance was not mitigating the negative impact to my credit, so I paid in full. I wrote another appeal to XXXX XXXX XXXX XXXX Department to have my credit restored due to their mistake. They wrote back 4 weeks later again denying the appeal. I have yet to receive the statement, and have always paid every bill on time, but their negligence in not inputting the information correctly and getting me a copy of the statement prevented me from resolving this issue, and they are not taking responsibilty for it to date.
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| 05/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Older American |
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In XX/XX/XXXX I co-signed with my granddaughter for a new Hyundai which we financed through Hyundai Financial. On XX/XX/XXXX my granddaughter refinanced the vehicle with XXXX XXXX XXXX removing me as a co-signer. The account at Hyundai was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to Hyundai and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with Hyundai was delinquent and I paid them in the amount of {$560.00}. They told me I should have known it was not paid off. I told them it was refinanced and XXXX signed for the documents but Hyundai does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.
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| 02/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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My sister passed away on XX/XX/XXXX. I have been trying to have the equity in her vehicle transferred to me since XX/XX/XXXX. I heard back from Hyundai Finance on XX/XX/XXXX asking that I apply for credit. I sent the application and all the other information to them on XX/XX/XXXX. The credit application indicated I would hear from them in 2 business days. On XX/XX/XXXX, I called and was told to their back office had not updated the account and to contact them again on XX/XX/XXXX. On XX/XX/XXXX I called and was told still no update and to call on XX/XX/XXXX. On XX/XX/XXXX, I called back and still no updates. They asked for my preferred contact number and email which I provided. They said I would hear back in 3 business days. On XX/XX/XXXX, another sister received a forwarded letter asking our intent as it pertained to the car. The requested we FAX a response. On XX/XX/XXXX I faxed the requested information and a history of my interaction with Hyundai Finance. On XX/XX/XXXX, I contacted Hyundai again and they said they were missing death application. To call back in 2-3 days. On XX/XX/XXXX, I called again and was told they had the intent letter and death certificate. They again asked for my information. On XX/XX/XXXX, I was notified by my ID Monitoring company that Hyundai Finance had pulled my credit report. On XXXX, I called Hyundai asking for a status and they said my credit was pending and to allow 5-7 business days to get a response. On XX/XX/XXXX, today, they said my credit is still pending and to call back on Friday
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| 04/24/2020 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing in regards to a late payment on my credit report from for XX/XX/2019 on my account # XXXX, original balance {$20000.00}, opened date XX/XX/2019 that occurred due to a third-party error.
My due date is the XXXX of the month. On XXXX, 2019 I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/2019 I received an email from the third-party company stating that they committed an error and my payment did not go through. Before this email, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late.
This was a situation that I could not control. I had over {$14000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments.
As a courtesy, I am requesting that XXXX XXXX a goodwill adjustment and remove the late payment from my record. This is an account of more than {>= $1,000,000}. I have been with you for more than for more than one year.
This is affecting me XXXX, and also my score dropped. I have lost many credits because of this situation. It is not fair this late being reported. I did receive a payment notification from the third party company.
( I already sent all the documentation to XXXX XXXX on XX/XX/XXXX by mail ).
Thank you for your consideration.
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| 12/28/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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On XX/XX/XXXX we opened a Lease with XXXX DBA XXXX KIA XXXX , XXXX XXXX. The first person on the Lease was my wife XXXX who was n't driver ( she had a driver ID only ) of the car ; 2014 KIA Soul Plus XXXX. The driver of the vehicle was me ( her husband ) ; XXXX. I was paying the lease and insurance working in XXXX.
After I did update my XXXX insurance policy to XXXX without changing registration from XXXX ( the insurance did n't tell me anything about it! ) we where told by KIA Finance that we have no choice, but return car to them ; effectively ending the lease! My pleading with them to continue the lease by me where not honored. On XX/XX/XXXX I was forced to return the car to KIA despite my good records of payments. By the way the original car dealer in XXXX, by the name XX/XX/XXXX dissapeared. Soon after we received from KIA Finance letter with a balance of {$3700.00} for account number XXXX for Kia Soul 4dr Wgn + At, VIN : XXXX. On my phone inquiry how they came out with the amount I was told that this was the difference between the sale price and the real value of the car. On my further questions how they did calculate that became clear to me that, this was the real reason why they refused the lease to continue since they could have control over the transaction to the point of guarantee to have it in black. Question is ; who was the lucky buyer in this transaction and did KIA have any incentives to take the real value for the car.
The whole thing looks like rigged transaction at my expense from the beginning.
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| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/2023, XXXX bought out my remaining lease from Hyundai Motor Finance using a payoff quote provided by XXXX on XX/XX/XXXX which was valid through XX/XX/2023. Hyundai claims that the payoff quote was erroneous and {$400.00} short. I was not made aware of this issue until XXXX when a lien was put on me and my credit score ( which had been perfect ) immediately plummeted.
I have spoken with Hyundai many times in XXXX and XXXX. XXXX finally agreed to pay the remaining balance of {$400.00} to close the account but Hyundai has still not closed the account and released the title to XXXX.
Attached are all the relevant pieces of information you need to make this right and to help repair my credit. I can not access any financing as a result of a " serious delinquency '' that Hynundai put on my credit report, the result of an error by someone on at Hyundai. The alleged extra payment has been made but Hyundai is still being unresponsive.
Thank you in advance for your help.
XXXX XXXX Attachments 1. the payoff quote from XXXX XXXX Hyundai of XXXX from XX/XX/2023 showing a remaining balance of {$24000.00}, good through XX/XX/2023.
2. the lease agreement with XXXX dated XX/XX/2023 showing the payoff amount of XXXX based on the quote.
3. the payment history from Hyundai Motor Finance showing that the check XXXX paid to Hyundai was posted to the Hyundai account on XX/XX/2023 ( well within the " good through '' time period ) 4. a copy of the cleared check from XXXX paying the alleged remaining balance of {$400.00}
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| 07/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX and financed it through Hyundai Motor Finance. All was fine, I never made a late payment which was due on the XXXX of each month.
In XXXX my husband was out of work ( self employed XXXX ) and I was unable to make my car payment on the XXXX of the month. I called Hyundai and asked them if I could change my payment date and they said " no '' due to me making a previous date change months before. I told them the situation and then told them that I would have to make the payment XXXX weeks late until ... I made XXXX payments on the XXXX of the month and was hit with XXXX each {$20.00} late payment fees. I told them I would n't pay them or they could put those fees at the end of my loan and we would discuss it. They again said " no ''! Now I 'm gettting collection phone calls at least XXXX times a day! Sunday morning at XXXX up until almost XXXX at night. I 've told them repeatedly and I 've emailed them that I was not going to work with them when they could n't work with me! I am now able to make my payments by the XXXX again and have done so, but I 'm still getting these calls.
Why ca n't a finance company make this change for a customer that has NEVER made a late payment, has a good credit rating etc? They told me it was against the law in the State of Virignia to do that. No it is n't! I get XXXX changes in the lifetime of the contract and I 've only made XXXX!
I would appreciate any insight that you may have have on this. Thank you very much.
Motor Finance
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| 10/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American |
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In XX/XX/XXXX, I had a car accident and my car was totaled by my insurance company. XXXX XXXX XXXX sent a check to Hyundai Motor Finance ( HMF ) in the amount of {$16000.00} in XX/XX/XXXX. The value of my car was higher than the amount owed so I even received a few dollars from XXXX XXXX in XX/XX/XXXX. When I bought my car in XXXX, I had purchased several optional coverages such as gap insurance, wheel and tire coverage, and an extended warranty. Since I did not use any of those coverages, the insurance company which guaranteed the services provided a refund to XXXX Hyundai, the dealership at which I bought my car in XX/XX/XXXX. XXXX XXXX sent the refund to Hyundai Motor Finance and it was received and credited to my auto loan account on XX/XX/XXXX. I didn't owe anything on the loan at that point so I should have received the refund for the coverages which totals {$2000.00}. As of today, XX/XX/XXXX, I still have not received the refund that Hyundai Motor Finance is holding on to. In fact, they have had it since XX/XX/XXXX and is benefitting from interest on my funds. I am XXXX XXXX XXXX and on a very fixed income. There is no reason that it should take HMF over 30 days to process a refund on a XXXX balance account. I would like to receive the money that I am owed immediately, receive any interest that HMF earned, and be compensated for the delay and concern that this situation has caused me. I was already dealing with a concussion from the accident and the stress of this situation has intensified my health issues.
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| 07/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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My credit score was ruined by Hyundai in this difficult for our family times. It was lowered by 200 points. It is affecting our family and we are unable to take loans.
I paid Huinday all the fees and returned the car back. There was an additional fee of {$400.00} dollars when I returned my vehicle that they didn't tell me about it, and I wasn't aware of. I never received a single letter about the new balance after I returned car because we moved to the new address.
I ask you to contact them because if I knew or received a letter from them, I would pay my balance. Now our credit score is ruined. I have a XXXX and my boyfriend lost his job because of COVID-19. I am head of the household. This is affecting us.
thank you very much.
Here is the confirmation of my final payment of {$400.00} to Hyundai motor finance. I paid the remaining balance.
Last Payment Confirmation : XXXX Hyundai account : XXXX Note : On XX/XX/2020, I spoke with Hyinay finance representative Mr. XXXX explaining the situation, and he said there is nothing that Hyinday is going to do to restore my credit. They are not even going to attempt to contact the credit agency to correct this matter.
Also, please note, this was the time when I had my XXXX and my XXXX was in XXXX XXXX XXXX XXXX. That was another reason that this situation needs to be resolved. If I had received their letter and was aware of the bill, I would pay the balance.
Now they ruined our credit history and even capable of hearing the reason why we didn't make the payment.
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| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Servicemember |
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I paid my Kia lease off early and they have been reporting me as charged off/judgment for 2 years.
I turned my XXXX XXXX lease in early XX/XX/XXXX the same day we bought my new XXXX XXXX. ( They documented my grounding receipt for XX/XX/XXXX ) The XXXX lease was scheduled to end XX/XX/XXXX. I made a final payment of {$1300.00} on XXXX, XXXX, XXXX to close out the lease thru XX/XX/XXXX. I was waiting for the final statement, taxes etc if any. I tried calling them 2 weeks later and they had no receipt of the car for months. XXXX XXXX XXXX lost the car.
Finally in XXXX XXXX XXXX I received a letter stating I owed them taxes etc at {$840.00} and I paid that XX/XX/XXXX and received a paid in full letter.
I only noticed this recently when I was refused a credit card offer and the explanation was due to a charge off on the account. When I called XXXX, the automated system stated I had just made a payment of {$840.00} on XX/XX/XXXX! My last payment to them was on XX/XX/XXXX.
They are also reporting that I paid monthly from XXXX and made monthly payments. I did not as I paid upfront to end the lease on XX/XX/XXXX and was waiting for the final bill. They are not reporting me as paid early and paid in full.
The grounding receipt is wrong as I grounded it the same day I bought the XXXX XX/XX/XXXX and NOT XX/XX/XXXX.
This is costing me money because I can not refinance my home unless this is remedied, this is also causing me emotional stress as I have complained and called the company who does not care to remedy this..
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| 03/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I was in a wreck on XXXX. In the process I was refinancing my house to consolidate my house and car. After the wreck the insurance company deemed it was totaled and paid off the amount owed. The refinance company told me since we signed paperwork they couldn't change the check and instructed me to send it in to kia motor finance and that they would be sending me that check back as a refund. So I did as I was told, and kia motor finance received the check on XXXX. They have done nothing but give me the run around for now five months about that check saying for the first 2 months they were resending the check. Then I spoke to a supervisor only to find out that the first check was still " pending ''. I asked him if that meant they never sent out the first check he said correct. Ever since then everytime I have called them they now say that the payment processing team has said it's " excluded ''. They also claim they can't tell me why it's been excluded or anything because their payment processing team didn't write anything in their notes. I have asked them If I should just go ahead and get a lawyer involved in the past and they said " sure go ahead and get one '' as if it was nothing. My refinance company says that the matter is out of their hands because kia motor finance cashed the check and has never heard of a company not willing to send back the money that wasn't theirs and instructed me to contact my senator ( to which I did and was told they don't handle matters like this ) and to contact consumerfinance.gov
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| 08/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In XXXX I inadvertently paid one of the two car loans that Ihave with Hyundai XXXX. When I discovered the error in XXXX, Icontacted then and requested a one month extension for theloan I paid XXXX in an effort to pay the loan that I missed in error.
They agreed and said they would send me confirmation. I receivedthe confirmation XXXX/XXXX/15 and I received a collection call that day.
I explained to the rep that I had just received the letter andwould fax it in Monday. He informed me that I had to send itright back or it would n't be enforced and that I could n't do it beforeMonday because that particular office was not open on theweekends. I agreed and he indicated he would not it on my account.
Every subsequent day after that I received abusive calls about thesame thing. I told them that I had already spoken to themseveral times and did n't need to be reminded every minutethat I had to send the paperwork. My bother passed away andwe were taking care of family business during these harrassingccalls. It was not necessary and I take issue with be harassedso vigorously. Prior to my error, I paid my bill EVERY month.
Not to mention, this account is not even XXXX days past due. I amvery upset and feel they should be held financially liable. I wantthem to have to recind the entire amount of the loan. I recognize t that they have to protect their interest, but I have to protectmy sanity. They were totally out of line and this shouldbe made an example of waiting a few days to see ifI do n't live up to my obligation.
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| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I am the victim of some malicious actions by Hyundai Finance. Specifically, my wife and I had a Hyundai Motor Finance account # XXXX that was settled in full on XX/XX/XXXX. I have a letter, signed by XXXX XXXX from Hyundai finance dated XX/XX/XXXX that states that Hyundai submitted a request to the Credit Bureaus to reflect this account as a settled in full, charge off. Please see exhibit 1.
I further confirmed on XX/XX/XXXX via an XX/XX/XXXXcredit report that indeed Hyundai had updated my credit report to reflect XXXX balance. See exhibit 2.
I have been diligently working to improve my credit score for 2 years now in preparation for this moment, where I am now able to try to buy a home for my growing family- and on XX/XX/XXXX I applied for a mortgage and found that Hyundai Finance had removed the paid XXXX balance status from my account and updated it to show a charge off balance of {$540.00}, which according to the report was done on XX/XX/XXXX, a full year after the account was satisfied in full. Please see Exhibit 3.
We lost the home we wanted to make an offer on as another buyer was able to get there offer approved, and now we are stuck with this egregious error on the report that is causing significant damage to our credit score, our finances, and taken its emotional and psychological toll on our current living situation. We further are in fear of missing out on the historical low interest rates currently available, and we are unable to take advantage on due to Hyundais continued incorrect reporting.
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| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I leased a car through Hyundai and the lease was coming to maturity. Rather than turn my car in and re-lease another vehicle, which they kept endouraging me to do, I decided to purchase my vehicle. I arranged to purchase my car with financing through a local credit union, XXXX XXXX XXXX XXXX. We aranged the loan and they paid off Hyundai as they were supposed to within the specified time-frame.
The loan has been paid off now for over a month, and although the XXXX received the Bill of Sale in a timely fashion, Hyundai has been impossible to work with otherwise. They have ignored our attempts to obtain a signed Applicatioin for Texas Title and/or Registration Form 130-u, which is a standard Texas Department of Motor Vehicles form , which is required for them to transfer title and perfect their lien.
The XXXX loan processor has attempted to resolve this matter virtually on a daily basis for the last month to no avail. I joined him on a XXXX hour attempt to speak with a supervisor at Hyundai that could help us resolve this and the only committment that we could get was they would pass the form along to the proper group. Neither he in all of his attempts, nor the XXXX of us together were ever able to speak to someone who understood the need for the form in Texas or that would commit to resolving our issue. As a result, not only is the title still not corrctly set but I am going to be the subject of fines by the Texas Department of Motor Vehicles as a result, which could end up being several hundred dollars.
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| 08/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am writing this letter to try understanding the 30 late records which were also recorded against me on my credit file. In XX/XX/2020 Kia Motors Finance implemented a deferred payment program for customers that were dealing with the effect of COVID-19 pandemic which offered customers three months of deferred payments. I took advantage of the program offered, in XXXX and XX/XX/2020 the deferred payment program was approved ; however, in XXXX I contacted Kia Motors Finance to request a deferred payment for XX/XX/2020 I was misled and misinformed by Kia Motors finance representatives twice.
The representative claimed to had processed the request and told me to call back within 72 hours to confirm the request had been approved, and I did, I called three days later and was told by another representative that the request had been approved however on XX/XX/XXXX I contacted by a representative regarding XX/XX/2020 payment, upon informing the rep that a request for a deferred payment was requested and approved I was informed that it had not been processed or approved. The representative stated she would attempt to help me out by processing and another request for a deferred payment and told me not to make any payments at the time until the request was processed and approved, by the XXXX of XXXX I was informed that the request was denied.
By XX/XX/XXXX I was three months behind on my Kia care payments which were due to no fault of mine but due to the actions and misleading information given by Kia representatives.
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| 04/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I have completed a 3 year lease with XXXX XXXX and returned car with no damages. I took video and pictures for my own protection in case of something like this on the day of my return to the dealer at XXXX XXXX XXXX in XXXX California. I did have over mileage and I expected that but now I have received a statement for not only the excess mileage but also damages, disposition fee, and taxes for a bill of {$3200.00}. I called yesterday and spoke to XXXX at XXXX XXXX he said they will give me extension until XX/XX/2018 but payment had to be in full and only by checking or ATM debit. No credit card payment at all. I was not disclosed of any disposition fee or damages at the time of my return. There were no damages. I have proof of that. XXXX said I see you turned in your car on XX/XX/2018 and the report was dated on XX/XX/2018 two days later i will send you a kit? to dispute damages? XXXX stated that the report said there are damages to the front bumper and rear?
I am asking for your help in this matter because When I was at the dealer I was told that they would take care of all the charges if I purchase or lease with them and I said great, I chose a car and test drove another and when we couldn't come to an agreement I said no thank you, I will go elsewhere and walked out of the dealer. I leased a new car that day with another Dealer.
I have worked very hard on making sure I made every payment on time and completed my lease with Hyundai and I feel it's unfair that now I have these charges that are not valid.
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| 10/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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This is a complaint that I want to be published as well. I have been continuously trying to resolve this issue with Hyundai Motor Finance directly ( from 1-800 customer service number to CEO ) ; however, this company acts in unreasonable manner. Additionally, it does not shows signs of the company that cares and wants to maintain the relationship with loyal customer.
-Upon end of lease ( XX/XX/XXXXXX/XX/XXXX) received few bills with {$0.00} balance ( see attached ) - this is miscommunication.
-Then found out about " lease end fee '' - sent USPS coupon with payment ( never published due to USPS or other mishandling ).
-Out of country until XX/XX/XXXXdue to family emergency. No calls were received. Under assumption that payment was posted.
-Upon return realized that no payment was received by Hyundai . Attempted to make electronically - see attached. Payment bounced as per Hyundai due to account being " closed ''. This is another of my many attempts to make a payment.
-Finally was able to make a payment onXX/XX/XXXX Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due ( family emergency ) and due to companies inability to communicate and handle correspondence in the efficient manner.
As a result of this, Hyundai responded with not being able to assist. Instead, they reported me to all 3 bureaus with 120 days late and ruined my excellent FICO score from XXXX to XXXX. Totally unprofessional and unreasonable company.
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| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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My XXXX XXXX XXXX was totaled in an auto accident on XX/XX/2019. This was on a 36 month lease and I had put {$7000.00} down and had prepaid my monthly lease payments until XXXX of XXXX. My insurance company, XXXX, allowed me to secure a rental vehicle for two weeks. Unfortunately, at the end of the two weeks, I still did not receive any settlement on the vehicle and any attempt to get a straight answer out of XXXX leasing was futile. My insurance company received a payoff amount of {$22000.00} from XXXX leasing which was sent to them mid XXXX. To date, three calls were made to XXXX leasing on my behalf to obtain information on how I can be made whole on this accident. They keep telling me that it will take 90 days before this will be settled. Here are the issues I would like resolved : 1. Since this lease had Gap insurance, it was my understanding I would only be responsible for the residual value of {$19000.00}, then why did they request a payoff amount of {$22000.00}.
2. Why is this taking so long to settle when my insurance company has already settled with them.
3. Why are they continuing to take out the monthly lease payments when they already received the payoff.
4. How can a customer be made whole and proceed with replacing this vehicle when I am not receiving settlement funds to do so.
Thank you ... XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX , XXXX , WA XXXX E-mail : XXXX KIA Finance XXXX XXXX XXXX XXXX , TX XXXX Account Number : XXXX Phone : XXXX Total Loss Department Phone : XXXX Customer Service
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| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I am a resident of XXXX, MA. I moved from XXXX XXXX, IN, and wanted my car to be registered in MA. I contacted my leasing company ( Hyundai Motor Finance ) in XX/XX/2023 regarding this. Every time I used to call them they used to give me a different set of information. I somehow gathered all the information and sent them the required documents for the title transfer in XXXX. I filed a complaint with CFPB in XX/XX/2023 after which the leasing company then sent the title documents to the title department, MA by the end of XX/XX/2023. I called the title department, MA and they told me that the documents were wrong ( missing information ) so they sent them back to the leasing company. Now whenever I call the leasing company they tell me a new thing or they keep giving the USPS tracking address back from XX/XX/2023 on which they sent the documents to the title department, MA. Last week they told me that the documents were sent to my old address which is in XXXX XXXX ( they already have my new address with them where they had sent an information document in XX/XX/2023 ). It has been three months and I am very stressed and depressed because of this. I feel cheated and humiliated. I also sent them a check ( in the name of XXXX ) that was supposed to be sent to DMV, MA. They said they never got the check back from the DMV in the documents they sent back. My car is unregistered since XX/XX/2023. It's giving me everyday anxiety. I have cried on a call with the leasing company a couple of times. I feel so helpless.
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| 10/24/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I went to the XXXX XXXX dealership on a Saturday a few weeks ago to get aXXXX XXXX XXXX XXXX. They didn't have the options I wanted and called another dealership that had the VIN of a car that matched my specs and negotiated a swap. XXXX XXXX had me fill out the paperwork for that VIN and told me they would get me the car the next morning. They then submitted that paperwork to XXXX XXXX even though the car was not in their possession. Sunday came and they were not returning my calls asking what was going on. Finally, at XXXX I got a call back that the other dealership sold that VIN already but they found another match at another dealership to do a swap with but would have to come back in and sign more paperwork. Frustrated that they had lied to me and wouldn't return my calls all Sunday I told them to cancel the deal as it was invalid anyway. I am receiving bills though. I contacted XXXX XXXX and they claim they can not do anything. I have an open case with their Customer Care department which has not done anything for 3 weeks. I contacted the dealership directly and have emails from their finance manager who created my deal saying they would resolve this more than a week ago. I called XXXX XXXX again today and was told I'm in collections because my bill is past due. I called Customer Care today and talked to a supervisor and this has been escalated to a national office, but I can not contact my case manager and have not heard from them. I have to wait and hope that they actually contact me themselves.
|
| 04/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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XX/XX/XXXX I went to XXXX Kia and purchased a XXXX Kia XXXX.
I am the original creditor pursuant 15b USC 1602 ( g ), on the day in question I extended credit to the dealership, making me the originator.
The existing device used for credit in this transaction to secure money/loan was my social security card, ACCORDING to 15 USC 1602 ( l ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
I the consumer was asked to make a down payment to secure the loan/line of credit, the amount I was asked for was {$2000.00}. The documentary evidence will show that there is a finance charge attached to the loan. Pursuant 15 USC 1605 Determination of finance charge, " the finance charge is the sum of all charges ; the finance charge does not include charges of a type payable in a comparable cash transaction. '' Because I used my social security card which is a credit card, defined by federal law. This transaction is deemed a credit transaction by federal consumer law and I didn't need cash ( {$2000.00} down payment ) to secure this transaction.
The term " credit '' means the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payment, pursuant 15 USC 1602 ( f ). The definition clearly states credit is my right, so to be told I needed cash in a credit transaction was false and misleading to me the consumer.
I demand the money be returned to me immediately.
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| 02/22/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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I am currently leasing a 2013 XXXX XXXX XXXX XXXX. The lease payments are all current. The lease ends on XXXX XXXX, leaving XXXX more payments. I wanted to review all of my options before deciding what to do. i signed into my account yesterday on XXXX, and clicked through to find my current " Buyout quote ''. I had received a " hyundai lease-end kit '' in the mail yesterday. It has a section called " Key Lease End Terms '' The term " buyout quote '' is defined in their " lease end kit '' as " The amount ( including taxes ) you 'll pay to purchase your leased vehicle ''. That amount for me was on the website as {$16000.00}.
I was told by Hyundai Finance that in Florida, lease end vehicle purchase must be made through a dealership. I called the dealership then, and was told there was a {$590.00} fee for this " service '' and that the amount did not include sales tax. They told me it would cost {$18000.00} to purchase the vehicle.
I am wondering 2 things. Why is the definition included in their own lease end package saying it includes all taxes?
Also, I have in the past purchased leased vehicles at my lease end and simply had to send a check to pay off the balance to the finance company. The last one was XXXX finance. Why is Hyundai finance telling me that in Florida it is the " law '' that the purchase be made thru a dealership? Perhaps the law has changed? It has been awhile since I purchased the last one ... 10 years actually ... so I suppose the law may have changed. I would just like to be sure.
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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Our daughter 's Kia XXXX was totaled, and we replaced it with another identical model. Both were financed through Kia Finance America ( https : //www.kiafinance.com ).
Our insurance company was provided a payoff for the totaled car, and they paid it off. In between the ordering of the payoff and the delivery of the check, Kia Finance drafted another payment from our account, resulting in an overpayment. No big deal, shouldn't be a problem, we figured it would be automatically and promptly refunded. When it wasn't, we called to follow up. We were told it was sent, they verified our address, told us it had only been a month, wait a little longer. We waited a few more days and called again, and they said, they had been mistaken, it wasn't sent to us, it was sent to our insurer, as the last check had come from them. We called our insurer, XXXX, and they said we don't receive overpayments on car loan accounts, and we wouldn't even know what to do with that. We called Kia Finance, and told them what the insurance company said, and they said we had to GET A LETTER FROM THE INSURANCE COMPANY AUTHORIZING US TO HAVE OUR OWN REFUND. This is crazy, but we actually got that, and sent it to Kia. Another month went by, and we just called today. They have taken no action to solve the problem. Today, they told us they can see the check wasn't cashed, so they will cancel it and send a replacement TO XXXX AGAIN. They have already been told, in the letter they made us obtain from XXXX, that the refund should go to us.
|
| 01/24/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
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Dear CFPB Staff, This letter is to notify you that I was not able to get a helpful response from KIA Corporation and I am turning to you as a last resort.
The situation ; back in 2014 I leased a vehicle asking for a 2 year contract. The sales associate and sales manager agreed confirming verbally that it will be only a 2 year period as I was asking.
After those 2 years and trusting their word, I decided to turn in the vehicle and lease another car for another 2 years. But few months after of having the new lease, I received a letter stating that the 2014 lease was for a 3 year contract.
I went to the dealer to show them the letter expecting a prompt solution. They suggested me to contact KIA Headquarters. KIA Headquarters said the problem should be fixed at the dealer. A back and forth situation that meanwhile is causing my credit score to be impacted.
It would have been fair KIA representatives would have let me know about this contradiction when I was turning in the first lease for me to not proceed and to avoid all this trouble. This day, XXXX different people thanked me for my business and for coming back again ( sales manager, sales rep., financing rep., service department rep. ) If this situation would have been of my knowledge or brought to my attention that it was a 3 year contract, I would n't have had return that vehicle until its due date. I would n't have had lease another vehicle. I would n't be writing you this letter at this moment.
I respectfully ask for your assistance, please.
|
| 08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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In XX/XX/2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XX/XX/2018 with no balance and paid as agreed. I received a bill in XX/XX/2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XX/XX/2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 Hyundai reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with Hyundai and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time.
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with Hyundai is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid.
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.
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| 01/19/2024 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I am writing to bring to your attention a pressing matter involving Kia Motors Finance and a late payment discrepancy that has adversely impacted my credit. I believe Kia has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution.
In XX/XX/2023, I purchased a vehicle from Kia and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted Kia to inquire about the status of my payments. To my surprise, I was informed that no payment had been received.
Upon escalating the matter to a supervisor, I was informed that Kia had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/2023.
XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2023 Balance : {$51000.00} Late date:XXXX I kindly request your intervention to prompt Kia Motors Finance to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with Kia.
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| 02/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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|
Web |
Servicemember |
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we have a bad experience with Hyundai Motor Finance for the past XXXX months since weve been trying sell both of our vehicles. Every time we call. They havent update our address for the past XXXX years, even tho my husband calls them every month to make a car payment ( since thats the only way to do because we are overseas ) and he gives them a new address. We call them every XXXX days for the past XXXX weeks and every time we get information to request a copy of the title was put in the system and we will receive it in XXXX to 5 days, but never receive it The same is about when we ask to get a permission to sell letter. Now we called and suddenly they dont even know that our car is overseas and tell us that we havent payed since XXXX, which is not true.
Every time they push us away, give us wrong information etc..
We are overseas because my husband is in military. We are trying to sell both of our cars ( XXXX to dealerships and XXXX to a person who has money ready to transfer to pay off car ), but in XXXX to do so, we need a copy of the title. The Hyundai finance company doesnt want give it to us since we havent payed the car off, but we dont want original, we just need a copy of it, but the thing is we just got the title of the car that we are selling to the dealership without them paying it off yet, but we are not able to get XXXX for the XXXX car.
This is very stressful situation and they are useless and we are about to loose potential buyer and we wont be able to keep paying car off.
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| 10/19/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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We had a lease with Hyundai XXXX which was paid in full as of XX/XX/2019. After the car was returned we received a bill for over {$600.00} which included not only a lease end fee of {$400.00} but also a ridiculous charge for a small scratch which we were told by XXXX XXXX XXXX XXXX Pa that there would be no charge due to faulty equipment and the size of the scratch. Hyundai also owed us {$50.00} for a promotional test drive which we took in XXXX but was never received. Hyundai just opened that promotion again. The {$400.00} lease end fee was never explained to us by the XXXX XXXX salesperson, and in fact we had prior leased XXXX in which there was no lease end fee or other problems. We did initial the contract small print while signing the many documents so legally we owed this money and paid it. We sent a letter with the amount billed stating that our check for {$350.00}. ( {$400.00}. minus the {$50.00} owed by XXXX ) was the correct amount due as per XXXX XXXX and if cashed would be paid in full. Next, Hyundai sent us a bill for the difference of over {$300.00}. They failed to recognize our complaint about the scratch and after this a neck injury caused by the faulty equipment.
The most important fact is we paid the erroneous balance to protect of near perfect credit rating. Hyundai failed to remove an amount due and it still appears on our credit rating and must be removed. We are seniors and worked our entire lives to have superb credit only to be damaged by an erroneous charge and claim.
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| 05/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American, Servicemember |
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I have a car loan with Kia Finance for a car I bought new in XXXX XXXX, FL. I have made every payment and, about 2 weeks ago, I requested and received the payoff amount from them and used their site to transfer that amount from a bank in Virginia to my account at Kia Finance. However, in checking my online account since then I can not see any evidence the loan has been closed, my payment history does not reflect the payoff, and the bank says they have received no transfer request from Kia.
I have emailed them from their web site asking about this a total of 3 times. While I received automated acknowledgement emails back with a promise I would hear from a rep in a couple of days, that has never happened.
Today I called their customer service line during their stated business hours. After going through multiple automated menus and hearing the same account information that I saw on their web site ( without reflecting the payoff ), I selected the option for " other issues. '' An automated voice said, " A representative will be with you shortly. This call may be monitored for ... '' Then, the same voice said, " We are not available right now. Call back some other time. '' The same thing happened when I called their Collections line.
I called a third time and instead of choosing an option I pressed 0. This time the voice simply said, " Good-bye. '' I must ascertain the status of the loan before I try and transfer this amount again. But how can I do that if I can't get Kia Finance to communicate?
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| 09/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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I previously complained to the CFPB about Kia Finance of America on XX/XX/2023 about the harassing phone calls I was receiving regarding a {$140.00} debt on my lease account. I explained to them the situation several times but still received harassing phone calls daily. On XX/XX/2023 Kia Finance responded to my complaint stating that they would waive the amount of the sales use tax assessed and the two late fees attached to this sales use tax. I am now receiving more calls because they have not credited my account which they said they would apply. I started receiving these calls on XX/XX/2023 where I was called approximately 3 times during the day at XXXX XXXX, XXXX XXXX, and then again at XXXX which I picked up because I was now off work. I spoke to the representative and explained that there should have been a credit for my account and she stated that she did see that on my file and told me to have a great day. I then received another XXXX calls on XX/XX/2023 in regards to the debt starting at XXXX XXXX, again at XXXX, and then again at XXXX which I picked up on my lunch. I spoke to the representative explained the situation and asked them to stop contacting me in regards to this debt because it should be taken care of according to my previous complaint. I then received another XXXX calls today XX/XX/2023 starting at XXXX XXXX and then another at XXXX XXXX. I am at the point where I want to take this legally because it is hindering my job performance with the constant calls and distractions.
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| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
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Hello, My name is XXXX XXXX and my complaint is regarding a car that I have leased for four years from Hyundai/Kia. At the end of the lease term I was sent a bill in the amount of {$2500.00} which I paid onXX/XX/2021. Shortly thereafter I made that payment and received confirmation that from my bank that the payment was withdrawn from my account. The representative from Kia Finance made me aware that my account would be credited that same day and that I would received a satisfaction letter in the mail. The following weeks continued to received late notices from Kia indicating that I have missed a few payments even though I paid my balance as a result my account was reported as delinquent and late! which has cause my credit score to decrease dramatically! I spoke to a representative with Kia Finance whose name was XXXX on XX/XX/2021 - he advised me there an error made on their end when they took my payment for XXXX. The error was that they posted my payment and credited it to another customer 's account instead of mine. They offered a resolution to remove the derogatory mark from my credit report and properly credit my account with the XXXX payment that I made to them. I was promised a phone call however I haven't heard from anyone. I need your help to hold this institution accountable for messaging up my credit rating!
This is joint account with my mother XXXX XXXX XXXX whose credit was also Impacted.
The creditor is Kia Finance Address : XXXX XXXX XXXX Suite XXXX XXXX XXXX XXXX, CA XXXX
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| 09/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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My name is XXXX XXXX this complaint is in regards to vehicle titled under Hyundai Motor Finance under VIN # XXXX. Hyundai Motor Finance is in violation of a law that pursuant to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. During our agreement of the loan terms in Hyundai Motor Finance automotive dealership , & automotive loan financing department. I never verbally, written, or implied to agreed upon the disclosure of my car loan or my car loan 's vital information to third party or any form of public record. This is car loan is on my personal credit report which I never gave consent to share or report, nor was I notified of such details will be shared with a third party before hand. I have sent a letter on this date given my written request to exercise my god given right to opt-out from sharing details with a non-affiliated third party including ( Credit bureaus ) without my consent. I was not made aware of my right to do so at the time of our agreement, I was not given the opportunity to do so, and I never agreed to having the details of our agreement shared. Hyundai Motor Finance are now breaking the law and could be held criminally and civially liable. I have attached a copy of the written agreement, it doesn't say that you will share information with XXXX, XXXX, or XXXX. On the last page states that all federal law and Georgia law apply. Also, have attached the written letter I sent XX/XX/2021 with the tracking to Hyundai Motor Finance address.
|
| 09/03/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
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This complaint is a continuation from previous CFPB complaint XXXX and escalation as KIA has taken more egregious actions without every providing a response and resolution for their initial illegal payment application and collection actions.
KIA has continued to apply our auto debited payments that are required to be applied to the payment illegally, and have applied to them to the annual tax advance. In consequence, their system has flagged us as delinquent, now by 79 days. This is after we had made a payment previously to KIA and filed a complaint for the same said activity, to which they provided no excuse or even response to that said portion of the complaint.
KIA has now moved into theft of our personal property as part of their illegal collection and recovery activities. On late as XX/XX/XXXX, they auto debited a payment from our account that should have been applied to the monthly payments as per contract and legal requirements. However, they continued to apply these payments incorrectly and then made the decision to repo the vehicle less than a month later on XXXX.
Again, they have now illegally applied payments incorrectly and repo 'd a vehicle within a month of the last payment from customers who have been with KIA for 5+ years and had our account on auto draft for payments.
This has caused significant mental anguish, pain and suffering and if KMF does not take the appropriate actions, we have now started the process to retain legal council to start a suit against KMF.
|
| 10/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
When we purchased our vehicle, the payment date was set up for the XXXX of the month, we had requested the payment be changed to the end of each month, which was done with the first payment being due the end of XX/XX/XXXX.
In XX/XX/XXXX Hyundai Finance changed our due date to the XXXX and charged a late fee for the payment not being received by their new due date. I called Hyundai Finance to inquire why they had changed the due date, they alleged that I had requested for the date to be changed. I did not and would not, neither my husband nor I would have ever done this. They refused to change the date back to the agreed payment date.
A couple of weeks ago I again called Hyundai Finance to have my due date corrected and changed back to the end of the month. I explained that I had XXXX on XXXX/XXXX/XXXX and that I would not be receiving my Social Security pay until the XXXX Wednesday of the month. I was again told that I had already changed it once and it could not be changed again. The agent helping me found a note where I had called in XXXX asking why they had changed my due date.
As you can see per the attached, they did not change the date back to the end of the month. I have accrued two late fees for different amounts due to them not correcting the due date back to the end of the month.
I remember at the time ( XXXX ), there was a obvious glitch in Hyundai Finance 's system that the agent I had talked with at the time acknowledged, but could/would not correct the issue.
|
| 10/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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On XX/XX/XXXX, I went into the Hyundai Motor Finance website and noticed that I had two late fees charged that I did not notice before. When I called the company that day, they said my payments were late so there was nothing I could do about this. After getting off the phone with the representative, I did some more research and found that my statements for the months I was charged a late fee had an amount due of {$0.00}, which is why I did not make a payment. In XXXX I had paid {$700.00}, over twice my payment amount, so I thought that is why I had a XXXX balance due in XXXX, but I was still charged a late fee. For XXXX, I am unsure why I did not have a balance due, but I have had issues with this loan from the beginning with the dealership and had to call the dealership in XXXX because I had not received a statement to make any payments after my XXXX purchase. They had never sent in the updated paperwork to the finance company for my vehicle. So I am unclear how Hyundai Motor Finance credited my payments at the beginning of the loan, but I was relying on my statements to tell me if I owed money. I called Hyundai Motor Finance on XX/XX/XXXX to address this and the representative was able to reverse one of the late fees for {$22.00}, but she said she had to send the other one ( for {$22.00} ) for management approval. The late charge for XXXX is still on my account. These are small amounts, but my concern is that I do n't want this to keep happening because those charges can add up.
|
| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. I then ran into on issue with my odometer statement. XXXX stated that I had not filled out the statement correctly. I then called back everyday from XX/XX/XXXX- XX/XX/XXXX to ensure they received the correct statement and it was filed correctly ( even after receiving email and verbal confirmation that it was done correctly ). On XX/XX/XXXX I spoke to a woman at Hyundai who stated my title had been submitted for release and to not call back for 5 business days. I waited 5 business days before contacting again. On XX/XX/XXXX I was then informed that my title had been missing since XX/XX/XXXX, almost a year before Hyundai allowed me to pay off my car. Hyundai finance told me that dealership I originally purchased my car from, or the DMV, had not filed paperwork correctly to send my title to Hyundai finance. I then called both the car dealership and the DMV. The dealership informed me that they sent the paperwork on the day I leased the car. The DMV then told me that they sent Hyundai the title on XX/XX/XXXX. Hyundai is now saying that they have done their due diligence to get the car title - even though the last attempt they made to receive my title was on XX/XX/XXXX. They are now saying that they can not send me any title and I need to wait 3-5 business days to even hear from someone at Hyundai. It has been almost 20 days since Hyundai has taken money for my car with little to know work being done to obtain my title.
|
| 02/17/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently mailed a certified letter to Hyundai motor finance concerning a charge off reporting on my consumer report. Hyundai motor finance is reporting inaccurate info. I am heartbroken that you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
The IRS clearly says a Cancelled or Charge Off is Income. The reporting of this account as a debt is inaccurate.
15 USC 1681S-2 says Hyundai Finance you are a furnishing information to a consumer reporting agency.
|
| 02/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
I traded in my car early with XXXX XXXX Kia in XXXX on XX/XX/XXXX. It was a quick process but they made mistakes on paperwork so I had to miss work to go back on XX/XX/XXXX to resign documents. I begin receiving calls from Kia Finance in XXXX because the loan was never paid off after the trade in. I continued to receive calls from Kia Finance and letters for several months. I called the dealership several times, no one answered or returned my calls.
I spoke with salesman XXXX XXXX in XXXX in an attempt to solve the issue. After receiving a check for pay off difference I received a call from another employee on XX/XX/XXXX who told me that they attempted to pay off the vehicle but the payment was sent back to them. I was told that the check was sent by mistake and that they still hadnt fully paid off the vehicle.
I continued to receive daily calls from Kia Finance telling me that I was responsible for the debt. The last call I received was on XX/XX/XXXX when I was informed that the dealership improperly grounded the vehicle upon trade in and that I was still responsible for the debt, despite not having the car in my possession since XX/XX/XXXX.
As of XX/XX/XXXX, the vehicle was finally fully purchased by XXXX XXXX Kia, however, the process was grossly mishandled by the dealership. XXXX XXXX Kia failed to properly ground the vehicle and pay off the remainder of the lease in a timely manner despite signing off on documents stating that I was no longer responsible for the car.
|
| 08/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
In XX/XX/XXXX my car was in an accident where someone hit my car while i was inside of my office. Kia whom i was leasing my car from took a couple of months before they could deem my car a total loss. Within those few months they expected me to make car payments on a vehicle I could XXXX XXXX because it was completely smashed. XX/XX/XXXX is when they finally deemed my car a total loss and then XXXX is when my insurance company ( XXXX ) sent them a check for XXXX dollars. Kia had told me the car was XXXX or so leaving about XXXX left over. I spoke with different representatives at this company and they all told me whatever is left over they keep because technically i was " renting the car from them '' i received a call in XX/XX/XXXX saying i owed them XXXX XXXX dollars in missed car payments which was not the case as we learned months later i didnt owe them anything because my car was a total loss. fast forward to XX/XX/XXXX my car account was still open with XXXX and i was receiving MANY phone calls about these " payments '' i kept asking them why they couldnt close my account and they said it was never paid for. I proved it numerous times that my insurance did in fact pay for it and didnt know what more to do. Now, since XX/XX/XXXX kia has been consistently calling me telling me i owe them XXXX XXXX dollars for my kia and charged it off as bad debt on my credit report resulting in me having a tough time getting another vehicle or anything for that matter. Can someone help me?
|
| 10/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I bought a new XXXX in Arizona XX/XX/XXXX. After driving to my state of residence in WA I started trying to get a copy of the title in order to get my vehicle licensed. The dept of motor vehicles in WA faxed the request of XX/XX/XXXX, again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I called on XX/XX/XXXX, XX/XX/XXXX and was told they would expedite the request to fax the title.
XX/XX/XXXX I talked to XXXX who said he would expedite and mail.
XX/XX/XXXX I talked to XXXX who said they needed a paper copy and it would take 3 weeks.
XX/XX/XXXX I talked to XXXX ( not sure of name because accent was too strong ) who was a superviseor ). He said got the paper title on XX/XX/XXXX and it would be sent XXXX XXXX in 5- 7 days.
XX/XX/XXXX Talked to XXXX who said would XXXX XXXX title within 5 days and would expedite.
XX/XX/XXXX Talked to XXXX who said would put in a state to state request to send the title XX/XX/XXXX Talked to another supervisor, XXXX ( not sure because the guy hardly spoke XXXX ) who said he would send the request ( XXXX ) to the title department. He refused to give me any way to contact the title department and was extremely rude. Told me the request was never sent to fax too paper title after it was received on the XXXX! Now, another 3 weeks. Meantime I have extended my license and will have to pay again to extend it. This is the worst trained, most incompetent agency I have ever dealt with IN MY LIFE!!! Just because of them I will never buy a XXXX again!
|
| 10/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I made a mistake in making a payment to XXXX as a payee instead of Hyundai. The XXXX XXXX XXXX XXXX ) confirmation of payment is XXXX
I did not recognize my mistake until my Hyundai statement arrived and did not reflect the payment made on XXXX/XXXX/XXXX, in the amount of {$220.00}.
The Branch Manager of XXXX, XXXX XXXX ( XXXX ) met with me on XXXX/XXXX/XXXX. She contacted XXXX XXXX ( XXXXXXXXXXXX ) who confirmed payment was made to " XXXX '' but to the Hyundai account and address. She faxed a copy of the check, in which I was shown as the remitter and was deposited into an account shown on the reverse side of the check " cred to payee '' written opposite my account number ( XXXX ). I do not have an account with XXXX.
I received a form letter from XXXX asking me to contact the XXXX in XXXX, TX.
On XXXX/XXXX/XXXX I wrote XXXX and asked that they assist me in unraveling the error. No response to this date. I sent an email to XXXX on XXXX/XXXX/XXXX asking for help and no response. On XXXX/XXXX/XXXX i again wrote XXXX requesting that either the payment be returned to XXXX, pay Hyundai, or refund payment to me. No response to date.
On XXXX/XXXX/XXXX I filed a complaint with the Office of the Attorney General, State of Florida, and received an email XXXX/XXXX/XXXX indicating that I should contact your office and they would also send my complaint to XXXX. They closed my file.
I request your help in either getting my payment credited to Hyundai, or return the payment to me.
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
End of Lease notice emailed on XX/XX/2019 showing amount owed. Check for {$460.00} cashed by Hyundai capital by electronic check on XX/XX/2019. The letter from XX/XX/2019 stated that the funds needed to be paid within 15 days. I received an additional notice that the account was not paid via text. I called back on XX/XX/2019 and explained the check had been cashed on XX/XX/2019 and they explained they posted the payment to the wrong account on XX/XX/2019. I said I did not want this to reflect poorly on my credit since it was the company 's error. I was told they would get it reversed and show that it was paid on time. This did not happen and my credit report is showing a delinquency that is paid. I want this removed as it was not my error and was paid in a timely fashion. On XX/XX/2019 I spoke with XXXX XXXX, Senior Customer Service Manager and he explained that all the notes reflect what I have stated in this complaint and that they are not able to do anything at the customer service level since they are not credit report experts. I explained that I wanted them to reverse their error so the credit report would be updated and I was told they are only able to file an investigation to see what is already in their system as a company error. I was told this can take up to 30 days and they would not send me anything in writing that I would have to call back to check on the status or if I saw it was reversed on my credit that would be proof it was done. This is not acceptable.
|
| 10/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my XXXX dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my XXXX report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.
|
| 02/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Hyundai Motor Finance was charging late fees and other hidden fees and deducting these amounts from my monthly payments. I was not made aware of these late fees and other hidden charges that is not on the contract that I signed when I brought the car from Hyundai dealership. On XX/XX/XXXX, Hyundai Motor Finance repossession of my vehicle when my loan was not in default. To date, Hyundai Motor Finance took my monthly payments and took the vehicle.
On XX/XX/XXXX, I was on a confernece call with Hyundai Motor Finance Manager name XXXX and my bank XXXX bank. XXXX confirmed my monthly payments that were sent and accepted by Hyundai Motor Finance. Hyundai Motor finance is stating I never paid them from XXXX XXXX until XXXX XXXX. They took and held my payments just to charge me late fees and other hidden fees. My loan is current and my next payment is not due until XXXX, XXXX. Hyundai Motor Finance is telling me in order to get my car back I must pay the XXXX bill on XXXX XXXX. Hyundai Motor Finance should not have the right to charge late fees and other hidden fees then lie and state that the monthly bill requirement is not being met.
Also, Hyundai Motor Finance never sent me a notice stating the reason of the late fee and other fees they placed on my account. This company have verify unjust and unfair business practices that allow them to collect money they are not entitled to.
Hyundai Motor Finance took my car and my money and now I am missing work for three days now.
|
| 01/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
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I leased a XXXX XXXX XXXX XXXX XXXX. Upon leasing I also agreed and paid for Excess Wear and Tear Coverage ( " Excess Coverage '' ) and Tire and Wheel Protection. The Excess Coverage policy covered up to {$5000.00} in damage to the vehicle. At the end of the lease term the vehicle was inspected and a Vehicle Condition Report ( the " Report '' ) was prepared and submitted by XXXX XXXX XXXX ( " XXXX '' ). The Report reflected {$290.00} in total damage, obviously far less than the {$5000.00} coverage provided by the Excess Coverage policy. Nevertheless, I received a final bill from XXXX XXXX XXXX ( dated XXXX XXXX, XXXX ) which assessed not only the Disposition Fee of {$400.00}, but also a fee for " Excess Wear and Use '' in the amount of {$290.00}. The Disposition Fee is legitimate. The Excess Wear and Use fee is not legitimate. Therefore, on XXXX XXXX, XXXX, I wrote to XXXX XXXX XXXX to advise that I maintained an Excess Coverage policy ( that I obtained through the Hyundai dealer ) that covered excess wear, tear and use up to {$5000.00} and that the bill should be corrected to impose only the Disposition Fee. I never received a response to the XXXX XXXX letter. Therefore, on XXXX XXXX, XXXX, I wrote again and provided a copy of the XXXX XXXX letter. Again, I received no response from XXXX XXXX XXXX. Instead, on XXXX XXXX, XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX demanding payment of the entire charge, including the Excess Wear and Use charge.
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| 01/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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My name is XXXX XXXX my account # with Hyandai financial is # XXXX Hyandai fiance violated SCRA I have on several occasions called Hyundai financial to ask for assistance. I have unfortunately been a victim of identity theft. This effected my ability to pay for my bills. I tried to coordinate with hyandai financial so I could utilize my identity theft insurance. This would have covered my car payments. Unfortunately this never happened. When a customer is late your system automatically directs them collection department. I was never asked to send over my Court order and or police report. Even when I asked for a fax number so I could send the documents over. The collection department does not provide customer service. When I requested help I was repeatedly asked for my card number to pay the bill. Due to the identity theft unfortunately a lean/ Writ was placed on my checking accounts. The lean/writ were recently removed from my accounts on XX/XX/2022 due to my court order. This was the reason we had issues with paying the bill. Hyandai financial wronggully repossessed my car while we are also covered by SCRA. Hyandai did not obtain a court order to obtain my vehicle. The town truck company came on my mothers private property to repossess the car. have provided my husband 's the orders below. He's been XXXX due to COVID-19. He's also XXXX, although our SCRA coverage is active 90 days before active status and 180 days afterwards. Please contact me at ( XXXX ) XXXX.
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| 10/07/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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Company : Hyundai finance XXXX XXXX XXXX : XXXX XXXX XXXX I leased the car from them in XX/XX/XXXX and purchased it from them in XX/XX/XXXX Date purchased : XXXX XXXX Amount I paid to Hyundai finance XXXX : {$12000.00} Paid from my checking account at XXXX XXXXXXXX XXXX 1. Company claims they mailed title on XX/XX/XXXX. I did not receive it. Company has my correct address on its files, but they say they wrote an incomplete address when they mailed it.
2. I have made at least 6 follow up calls with them beginning XX/XX/XXXX and ending XX/XX/XXXX Their representatives have promised to send me both a notarized lien release letter and a certificate of no interest. No one there seems to know which of the two documents I need to transfer title to my name. After each call they promised I would get the proper papers in 3 to 5 business days. So far I have not received anything from them. They have missed several deadlines 3. There is no way to communicate with them by email and get a written response from them to confirm when they will complete the process and deliver the proper papers I need. The only practical means to complain is by phone and that has been very ineffective I seek your help to resolve this problem. I have paid for the car in full and Hyundai Finance should make sure that they do everything expeditiously to help me transfer the title to the vehicle in my name.
Regrettably they have been quite XXXX in handling this matter.
Thank you for your help
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| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I took an auto finance loan with Hyundai Motor Finance ( HMF ) in XXXX in an amount of about {$50000.00}. I have set an automatic payment with my bank to send payments with my account correctly referenced. The checks are received, posted to my account with HMF, cashed by HMF, and paid by my bank, but all three payments have been improperly processed. I have made all three payments due so far on time, and HMFs own records show that they were timely received.
However, each month, HMF improperly applies the payments. Either by paying all to principal, or paying the following months payment but not the current months, suggesting there is a late payment. Each month, Ive called to speak with HMFs payment department, provided records to illustrate the issue, but my payments are still not being recognized correctly. HMF hasnt suggested theres any problem with receipt of my payment, method of payment, or otherwise. All issues are with its internal processing of the payments. As of XX/XX/20, HMF has updated provided info to the credit reporting agencies that my account is past due for the entire balance of the loan. This is not accurate. HMF has shown itself incapable of appropriately handling finance payments, even when the consumer has gone out of their way repeatedly, and proactively, to help them with their processing. I am currently disputing the entry on my credit but have no confidence HMF will be able to appropriately manage and process payments going forward.
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| 12/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have had trouble with XXXX since the beginning of this loan. First, there were blank portions on my lease copy. My car was totaled at the airport. I had to have a car. I was in shock but not stupid. I did not sign a lease with a blank space, but that is the copy they gave me. I have paid {$320.00} on a {$310.00} loan for years. I knew it would cut off a large amount but I have two payments left ( one on XX/XX/XXXX ) and another I am not sure when ( XX/XX/XXXX or XX/XX/2019 ). I requested a copy of the payments. The copy is wrong. I have had multiple problems with this 6 year overpriced loan on a base XXXX XXXX -- I think it may have been wrecked and fixed and sold as new. The bluetooth didn't work for 8 months until it was replaced. I complained each time I had my oil changed. I couldn't get a title when I moved back to Texas from XXXX XXXX XXXX. The service departments in two states at various places in both states have treated me badly, even at the place I bought it near my hometown where I was visiting my mother when my car was totaled. Two dealerships in Texas didn't change the oil when I paid them after it turned 100,000 ; the first per a XXXX mechanic. At 120,000 it is burning oil even though it has been changed before time, and often at 3-4000 miles. It has been well taken care of, or at least I have paid to have it well-taken care of at the dealership. How do I get an audit of my account at XXXX? It is wrong. The sheets I have from them prove that.
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| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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1. I went to the XXXX XXXX XXXX XXXX dealership ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ) to look at the new models on XX/XX/XXXX.
2. A sales agent talked to me ( XXXX XXXX ) and requested basic information about name, phone, etc.
3. On FOUR occasions during our talk I stated emphatically that I did not want a " hard pull '' or any attempt to obtain my credit report, as this would impact my credit rating and Fico score.
4. She agreed each time and directly told me she would not take a credit report or a hard pull that affects credit.
5. Nonetheless, she gathered enough information so that she indeed DID, deceitfully, obtain my credit report.
6. She further shielded this by NOT giving me any credit numbers, but saying I was " approved. '' 7. On returning home, I did of course discover on my various credit-following apps that there had been a credit reported pulled, AND that my credit score diminished.
8. On phoning her back the next day, she again DENIED that she had done it, or that my credit rating was affected in any way!
9. I was told that the sales manager ( XXXX XXXX XXXX XXXX XXXX ) would " get back to me. '' No one has since that day.
10. I contacted the owner/president of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and described the situation. I have not had any response.
I am in the process of trying to have the consequences of this illegal and deceptive action reversed at the credit bureau, but there is no resolution at this point.
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| 10/26/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I leased a new XXXX XXXX through Hyundai Motor Finance ( Hyundai Capital America ) from a dealership in Pennsylvania, and am investigating my options to trade in the leased car at another manufacturer 's dealership. Part of the information I need when negotiating is an accurate payoff amount for my lease. I called Hyundai Motor Finance at XXXX to request this number, but was told by a floor supervisor in the Texas call center that they are not licensed in Pennsylvania to sell a lease vehicle to the leasee, only to a dealership. This part I understand. What I do n't understand is that she then told me that it is both Hyundai policy, and they are not allowed by law, to give the payoff amount to the leasee, but can only give that value to a licensed dealership. This puts me at the disadvantage of trusting a dealership that they have given me the correct payoff. I believe that even though I may not be able to buyout the lease myself, I should be able to learn the payoff for my own lease. I was told that if I wanted more legal information I should contact their legal department. I asked to speak to her supervisor but was told that none was available, and that he would call me back within " 72 business hours '' which I understood to be 9 business days. This is apparently happening to everyone in Pennsylvania that leases a XXXX from Hyundai Motor Finance who want 's to know their payoff. Are they correct that I have no right to this information about my own lease?
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| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I turned in my lease with Hyundai on XX/XX/2020 and had perfect payments until after I turned in my lease, as I was on autopay. As of XX/XX/2020, my credit report stated I had two late payments for XXXX and XXXX. I contacted Hyundai Motor Finance, end of XXXX when I was notified. Due to Covid, it took several attempts and over a week to get in contact with anyone. When I was finally able to speak to a human on XX/XX/2020 with Hyundai Motor Finance, I immediately paid the outstanding balance they never took out of my account for my last month of owning the lease. They never informed me they shut off my autopay without my knowledge and it began to negatively affect my credit. I also found out through this process that XXXX XXXX ( where I turned in my lease ) and Hyundai Motor Finance are two separate entities and do not communicate. Therefore, it took even longer to try to resolve this issue between the two companies and their lack of communication. For example, I spoke to XXXX XXXX and they informed me everything was fine on their end and I had a {$0.00} balance. Then I received a late payment confirmation from Hyundai Motor Finance and was informed otherwise. Covid really took a toll on this situation as well, as I was unable to speak to anyone after many attempts and several weeks. I ask that you review my entire credit history, in addition to all my payments with credit cards and Hyundai specifically. I have never had a single late payment until now.
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| 10/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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The issue I would like to report is in regards to Hyundai Motor Finance ( HMF ) and title services. I am unable to process a title transfer because Hyundai Motor Finance is not responding to multiple document requests which is required to support an out of state transfer from the state of XXXX XXXX XXXX XXXX XXXX is a titling state, meaning although there is a lien on the car, I have the title. Unfortunately, the lien holder information on the title is no longer accurate. In order for New Jersey to process the title transfer, XXXX XXXX XXXX XXXX XXXX needs Hyundai Motor Finance to provide a letter on Hyundai 's letterhead indicating the corpcode and associated address for the state of XXXX XXXX I have made multiple requests for this information by phone and through Hyundai Motor Finance 's website since XX/XX/2022. Phone calls are horrific, customer service representatives do not understand the request, I often request to speak to a Supervisor. Supervisors, try to assure me they understand the request but I have not to date received the document needed to support the transfer. Below is a list of dates I have contacted HMF. I've started to make a document request every single day via their website starting XX/XX/2022. In my request, I do ask they call me or email if they do not understand the request.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I have been paying a little extra on my XXXX for years. I realized at the end of the loan ( last payment due XX/XX/19) that the payoff amount didn't seem correct. I have been calling and emailing since early XXXX. I was mailed an incorrect payment history. I contacted XXXX and was told to call. The first and supervisory agents appeared to pretend they didn't understand the problem. I think they were trying to frustrate me ( XXXX and XXXX ). Later agent XXXX refused to let me speak to a supervisor. He said he was emailing a corrected payment history. He read off corrected amounts which I verified by my emailed receipts later. I have never received the corrected payment history. I called again and XXXX XXXX said the order was placed for the corrected payment history and that it should come by Monday. I emailed XXXX Sunday when I received a bill, and they say I have to call. It is Tuesday, and I have no corrected payment history in my email box. I need to see a corrected payment history with my amounts applied and interest reduced each month before I know if the payoff amount is correct. This email/phone calling has been going on for over 1 month. They are harassing me at work with phone calls during the work day even though I told them to call after XXXX CST because I was teaching. I have my phone on for alerts or emergencies. They have called 5 times during the work day yesterday and today. They were told I was a teacher and not to call before XXXX.
|
| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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Re : Acct # XXXX To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there are 6 late payments reported for my account. I realize I recently fell on hard times and gotten behind in my payments, however, in addition to the recent late payments XXXX has reported that several other payments have been incorrectly reported as 30-59 days late.
In the month of XX/XX/XXXX, XXXX XXXX XXXX recently reported that payment as 30-59 days late. During XX/XX/XXXX my due date for that payment was the XX/XX/XXXX of each month. My XX/XX/XXXX payment in the amount of {$390.00} was made on XX/XX/XXXX, which is actually prior to due date.
Once again, my XX/XX/XXXX payment was recently reported 30-59 days late. My XX/XX/XXXX payment was due on XX/XX/XXXX ; my XX/XX/XXXX payment was posted to my account on XX/XX/XXXX, which is 14 days after due date. This is definitely not accurate as being reported on my credit report.
Once again, my XX/XX/XXXX payment was report 30-59 days late. My XX/XX/XXXX payment was due on the XX/XX/XXXX. This payment was deferred at the suggestion of the customer service representative.
In event of the inaccuracies of my payment history, I am writing to request that a resubmission of an accurate payment history is reported to all three credit bureaus.
Thank You XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX XXXX : Copy of payment history from XXXX
|
| 09/09/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
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I finance a car with Kia Motor finance, sense XXXX until now. They been accusing me of non-payment. They been charging me late fee with three to five days late. They not suppose to been charging unless I 'm ten days late. It 's been going on for years they been robbing me out. Every single month of this year I 'll been paying them, and they claim I have n't. I even did a three-way call with my bank to them to proof payments was made. They constantly keep calling me sending threaten letter that they going to repossess my car if I do n't pay them but I did. They keep harassing me by phone everyday, I 'm becoming so stress of they lies. It 's been XXXX dealing with them, I need your help if possible. so they wo n't repossess my car from they wrong doing and dumb mistake. Honestly I believe do n't owe they no more money, after late charging that I had paid and it was n't 10 days late. XXXX month they claim I did n't pay them at all. But they forgot they had gave me a grace period and they using that against me. This after I loss my job in XXXX XXXX, but I still been paying some how some way its a shame making pay unnecessary late charges, they robbing me. So far I gave them {$15000.00} dollars, for the past five years, but they got me for only XXXX saying I owe them {$4000.00} dollars more and the loan will be paid up. My car was up for XXXX XX/XX/XXXX brand new when I brought and now I 'm paying for more then what it worth dealing these rotten people.
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I purchased my new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX and on the XXXX of every month after that. I am a contract worker who is paid in arrears at the end of every month. Because of that, I made my XX/XX/XXXX payment on XX/XX/XXXX. I paid off the entire balance of the loan on XX/XX/XXXX. After my credit report was updated with the loan payoff, I received notice that my account was reported for a XXXX late payment. I called customer service and was told I didn't make my XXXX payment. I explained due to how I am paid, I made my XXXX payment on XX/XX/XXXX, which was not 30 days late - even if you counted actual days. I also explained that I pay other accounts in this manner without issue and had a 100 % on-time history with all my other accounts. He explained he couldn't help me and that I would need to write a letter and send accompanying documents to their XXXX XXXX XXXX department. This is unsatisfactory to me due to the fact that the company just paid out a large class action settlement to millions of customers in XXXX due to inaccurate reporting and taking an unreasonable amount of time ( sometimes years ) to correct inaccuracies. Without the ability to call or email the department directly, I will be unable to know if my dispute was received or if anyone is working on it. My credit history is too important and costly to just sit around and hope it gets resolved. I am hoping the CFPB can assist me in getting this resolved.
|
| 10/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I returned my car back to the XXXX XXXX I have proof of return receipt. I made XXXX more payment as instructed for the month that I returned the vehicle. Then approx 45 days later I started receiving threatening phone calls and text messages about collecting the payment for my car. They claimed I was over 30 days late and then started claiming I was over 60 days late.
I asked on several recorded phone call conversations to speak to a supervisor. Each and every time I was told that a supervisor was not available to help me or that a form had to be completed and given to the supervisor and that I would be contacted. The first conversation I requested to speak to someone was XX/XX/XXXX, then again on XX/XX/XXXX. Additionally on the XXXX I was requested to send in proof of my return which I sent to the required email.
On XX/XX/XXXX I called Hyundai Motor Finance XXXX and they were not able to get me in touch with a XXXX but could confirm they received a check from the dealer on XXXX XXXX and that it would take XXXX business days to apply the funds to the account. I'm filing this complaint as of XX/XX/XXXX as I'm still receiving phone calls and every time I call the company to confirm they keep transferring me around and telling me they can see my account has been paid but can not figure out why I keep showing up as someone who owes a debt. AT THIS POINT I'M VERY FRUSTRATED AND CONCERNED about my credit report showing a 62 day late on the account.
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| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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The XXXX lease account was paid in full as of XXXX, XXXX, the lease was completed as scheduled and returned as required. As of the date XX/XX/XXXX, there was a certified letter for No Response to a 1099 Request to Hyundai Finance to validate the charge-off reported on my consumer credit report. " You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you XXXX be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. ''
|
| 08/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American |
|
My wife and I traded in two vehicles at lease termination and leased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, FL. Incredibly, the salesperson neglected to pay off either of the two vehicles. Hyundai Motor Finance, the lender, started making robo calls about the payment was late. When we called, we were assured the payments were up to date. We discovered the problem when a payoff letter was sent that had late fees on the XXXX XXXX and two payments remaining. The dealership admitted their error and finally corrected the credit reporting issue on that vehicle.
The second vehicle, a Hyundai XXXX, was paid off in XX/XX/2020. Then, the account was found to have late fees of {$190.00}. Hyundai Motor Finance reported us 30 and then 60 days late on a PAID OFF loan. I paid the late fees when notified in XX/XX/2020 ; however, at that point the dealership should have taken responsibility for not including all fees in the payoff and not passed that charge on to the customer.
This is for a customer who has a nine year history with the dealership and finance company. Now, 18 months after the fact, we are refinancing and the two late payments are affecting our ability to get a low interest rate. Repeated attempts to get the dealership to provide a letter stating the facts and how the error was their fault have gone unanswered. I have the original documentation to prove this but the credit bureaus want the creditor to verify the account history.
|
| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, KIA still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. KIA has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing KIA 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but KIA has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all.
This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult deployment.
2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.
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| 08/10/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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Regard : Account Number XXXX, and Account Number XXXX ( Consolidated ) Hi Dear Sir/Madam, 1. The lease of the XXXX Kia XXXX is INVALID.
2. Kia Motor Finance ( hereinafter " KMF '' ) knows the lease agreement of XX/XX/XXXX, is not valid. Please see my attached fax of XX/XX/XXXX, to KMF.
3. However, KMF committed many crimes to enforce the invalid lease.
4. Furthermore, KMF reported fraudulent information to all the credit reporting agencies and severely damaged my
credit score. 5.
Therefore, KMF must withdraw all its fraudulent reporting to all the credit reporting agencies and others, if any.
6. Please see my attached documents that show KMF admitted the information in my faxes since before my XX/XX/XXXX, to KMF USA. 7. KMF never responded to my faxes or to my two cases against XXXX Kia of XXXX, Illinois.
Furthermore, I have faxed my XX/XX/XXXX, settlement offer to KMF USA, and Kia Motors in XXXX XXXX XXXX as follows : A. On XX/XX/XXXX, KMF USA Repossession received my Partial Settlement Agreement and the Exhibit at XXXX ( XXXX ) XXXX. Please, see attachments.
B. On XX/XX/XXXX, Kia Motors XXXX XXXX XXXX received my Partial Settlement Agreement and the Exhibit at XXXX. Please, see attachments.
Note : XXXX and XXXX are also involved in damaging my scores because they did not give me the option to upload my documents, the attachments here, in my dispute against KMF furthermore, they do not give me a copy of the response of KMF, if any.
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| 04/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In XXXX, XXXX I bought my car in Hyundai dealership in XXXX XXXX XXXX, NY. I bought the car as a finance. In XXXX of XXXX I moved to Florida. I went to the DMV in Florida to switch my license to my Florida address and to register my car to get new plates. That is when I discovered that my car was registered as lease instead of a finance. I could not get new plates for my car without the title of my car. I reached out to the Hyundai dealer in XXXX XXXX XXXX and found out that the location closed. I reached out to other Hyundai dealerships and was transferred to so many people that could not help. They told me to reach out to the DMV in XXXX. After countless phones calls and a written complaint form I was told by DMV that all I needed was a letter from Hyundai to say that I can register the car and for Hyundai to give me a certified copy of the title. I reached out to a person in Hyundai that has been helping me and I told him that this was all I needed. Every time I reach out to him he tells me to give them another week. I have been dealing with trying to get my title for over a year now. I do not know what else to do. I have to depend on others to take me to my doctors appointments and to take me shopping. I have to pay XXXX to take me places which is getting very expensive. I am paying for my car and for insurance for car that sits in the garage. I don't understand how Hyundai can not fix a clerical error that they did. Please help me.
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| 06/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In XX/XX/XXXX, my 3-year lease on a XXXX XXXX ended. I did a lease buyout, financed through a XXXX XXXX XXXX XXXX.
In the fall, I received a check from Hyundai Motor Finance. I did not know what the check was for. Unfortunately, I put it aside -- when I came across it again, it had expired.
In XXXX, XXXX informed me that they have been unable to get the title transferred. That Hyundai should have sent a sales tax check- to be taken to the BMV , so the title could be released to XXXX XXXX
I called Hyundai XX/XX/XXXX, I was told a new check would be sent. ( ETA 3-5 business days ) I did not receive the check and have called in multiple times since then.
Sometimes, I am transferred from one department to the next and back again.
I have tried the email customer service option, but they respond back, referring the last time I called in.
" We see that you have already spoken with a Customer Service Representative onXX/XX/2021and received assistance with your request. '' -- XX/XX/XXXX - Check will be expedited. 3 business days.
XX/XX/XXXX - " Check will be sent ASAP '' - representative sent email to " Sales tax dept so they can send the actual check '' XXXX - representative sent a '' red flagged '' email, check to be reissued within XXXX hours XX/XX/XXXX - XXXX had also called in. Representative advised email sent to sales tax department - " it can take up to 16 business days, a month if it needs to be cancelled and reissued ''
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| 09/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX I paid the state excise tax to the town of XXXX, MA in the amount of {$180.00} for my leased XXXX XXXX XXXX. Eleven days later, on XX/XX/XXXX, I leased a new XXXX XXXX XXXX. As such I have requested several times for an abatement from Kia Finance America as I paid the tax for the year on a car I only had for 11 more days. I have been calling and writing Kia Finance America since XX/XX/XXXX. I have mailed them, as they requested, a letter outlining what I summarized above along with a copy of my registration of my new XXXX lease which shows I transferred my MA plates from the XXXX XXXX to my XXXX XXXX on XX/XX/XXXX. I mailed this on XX/XX/XXXX and I again mailed this certified mail on XX/XX/XXXX. When calling to follow up on this, both times, Kia told me they never received it, either time. Following up, I made repeated calls to Kia, most recently, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a call back from a XXXX XXXX XXXX who again told me to send a copy of my current registration. I emailed this to her on XX/XX/XXXX. On XX/XX/XXXX I have again called Kia to confirm receipt of this email. I was again told that they never received anything from me. I spoke with a XXXX in escalation who offered only that I need to re-send my registration, this time by fax. I have called numerous times, sent my registration twice, and am still no closer to obtaining my excise tax refund from Kia Finance America.
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| 11/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hyundai Motor Finance lease end buy-out interrupted with Covid-19. I paid off vehicle in full XX/XX/XXXX. XXXX agrees and acknowledges to CFPB full payment received XX/XX/XXXX. - see attached highlighted dispute response XX/XX/XXXX. Bank statement of my payment withdrawal also attached. Repeated ignored follow up calls and emails to XXXX XXXX XXXX XXXX for them to complete title transfer after they received funds- see attached records. They wouldn't process transfer paperwork for 4+ months. A XXXX Service Rep told me the paperwork on my XX/XX/XXXX purchased vehicle was also sold to wholesaler. Rather than accepting error, XXXX continued false charge-off reporting thru XX/XX/XXXX. They have been made are aware and continue to provide incomplete and inaccurate responses to XXXX and CFPB. To date, XXXX refuses to provide me a breakdown of payments made ( including lease extension payments ) against actual amount paid at XX/XX/XXXX buyout. And why they had reported charge-offs into XXXX. For 2+ years XXXX has violated my Federal and State rights under FCRA and has made inaccurate statements to CFPB on this matter. They refuse to provide confirmation documentation of the sales price per terms of lease buyout ( extension payments should have been deducted ). Hyundai Motor finance has a serious history of consumer credit reporting violations as evidenced in the most recent XXXX XXXX penalty for widespread credit reporting failures.
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| 12/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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I took out a 39 month lease with Kia Motors Finance ( KMF ). KMF reported to the credit bureaus that the last payment I made was more than 30 days late.
I paid off my lease and returned car to dealership where they do an inspection. A month or two later they send me the bill for any excess wear and tear and the turn in fee.
I then proceed to remind KMF that they need to apply my lease insurance and they tell me to wait for new bill. New bill comes and it is due XX/XX/XXXX - I pay the XXXX. Now I found out they reported my XXXX payment as late ... if that is the reason I am even late at all.
KMF refuses to speak to any customer regarding credit reports.The only way to handle it is to write to KMFs mysterious internal Care department. This clandestine department can not speak to anyone on the phone - customer or KMF employee according to policy.
KMF expects the customer to send a letter via mail and hope after 30 days that the department can properly sort it out and wait for a letter back. If the customer believes their response is not factually accurate they will have to send another letter back.
KMF has a created a circular highway of purgatory, it is just not right. Especially to a XXXX year old hard working honest young man who took his first car loan out at the age of XXXX thinking he was in good hands, who made every payment on time via auto-pay for 38 months straight, and who just wants a simple straight answer.
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| 03/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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In XXXX of XXXX my XXXX XXXX XXXX caught on fire while I was driving. I contacted Hyundai because there apparently was a recall on the engine. During that time I needed a rental car that I would have to pay out of pocket for. As a XXXX veteran, I could not afford to pay both a car note and a weekly charge for a rental so my payments for the car fell a few months behind. I received a letter from Hyundai saying that if we did not pay by XX/XX/XXXX, they were planning to charge the car off. I ended up paying the amount due as well as past due before the deadline. By the end of XXXX the car was paid off and the account closed. I went to XXXX to purchase a used car in XXXX of XXXX and was told that there was a charge off on my credit report. I ordered my credit report and saw that it said it was paid off as well as charged off. I contacted Hyundai immediately and they explained to me that it was a mistake and that they would fix it. They said it would take 30 - 60 days to be fixed. I checked a few months later and it was still on my credit report as a charge off/paid. I disputed this with the credit bureaus and Hyundai did nothing to fix it. They have the proof of the vehicle being paid off in full, not charged off. Not only did they not fix the charge off on my credit report with all 3 credit bureaus, but they completely erased the car from my husbands credit report. It is now XXXX and I can not get a car without a co signer.
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| 07/18/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I paid all 36 of my monthly payments and turned my leased XXXX XXXX XXXX in prior to the maturity date. It was under mileage and in show room condition. There were no dents, no scratches, no stains ... ..nothing!! We brought the car back to the dealership where we leased it ( XXXX XXXX in XXXX , NY ). No one said a word about its condition or did any sort of inspection while we were there. Several months later I received a bill for {$630.00} from Hyundai Motor Finance. I knew that there would be a " disposition fee '' of {$400.00}. However, the breakdown on the bill was so convoluted that it was impossible to determine what the additional charges were for. After speaking with a representative ( XXXX ) today from Hyundai Motor Finance I was informed that there was damage to the front right bumper. There were NO damages when we turned it in, and since the " inspection '' was done outside our presence I can only assume that IF they found damage, it happened after we turned the car in. They claim to have photos, but I have to assume that they are not photos of the car I turned in. I contend that these charges are bogus and Hyundai 's way of making money from consumers. I am refusing to pay for damages that were not there, and I do n't trust that this company might have 'manufactured ' this to collect a few extra bucks. I will pay the 'disposition fee ', but I am not paying for damages that were not there.
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| 04/05/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
Older American |
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I am attempting to buyout my vehicle from my lease. I have requested a detailed lease buy-out report so that my credit union can fund my loan. I have been approved for my loan. The details listed on the report provided by Kia do not add up to the " Total Purchase Price '' they request, and my credit union will not fund the loan based on their incomplete documents. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been transferred back and forth between lease end and customer service multiple times. I have been told that the numbers don't add up because " it's in the contract '', that " I should just know what the extra amount is '' that " It's the purchase option fee '' that the " Purchase option fee will be charged later after they receive my payment ''. I have been told that it's my fault because I haven't been clear that I want a document wherein all the numbers add up to the total. Ihave been told that the " Total Purchase Price '' listed on their report isn't really the purchase price, and they will send me an addititonal bill after they receive my final payment. All I have asked for is a report from Kia wherein their details add up to their total. The best I get is a promise to request a document from lease end. All I receive is another document that doesn't add up. I have spent over 5 hours on the phone with them and been hung up on three times.
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| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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The car in question on this account was returned in XX/XX/2020. It was returned to XXXX XXXX XXXX in XXXX XXXX, Oregon. The car was marked as grounded in the system and I was sent on my way. I filled out all the correct paperwork and paid all fines due at turn in. In XXXX of 2020, my credit card notified me that my credit had dropped by around 100 points. Unsure of what was going on, I investigated. Turns out Hyundai Motor Finance sent my mother and I to collections for not returning the car. I received no phone call, letters in the mail, update to my HMFUSA online account, or emails surrounding the issue. We were just sent to collections. I have called HMFUSA repeatedly to get this taken care of. Multiple times a month, escalated to multiple heads of department and NOTHING has changed. I have been told over and over again that there is nothing they can do to get my account taken care of, because the department that handles this issue is " behind ''. The department that is behind also doesn't take calls from customers. They are an internal facing only department. I returned this car over a year ago and am still suffering repercussions from this. My mothers credit has prevented her from buying a new car, or financing anything in the past year. This is completely unacceptable and I really hope the Federal Attorney General will file suit against Hyundai for all the people they have XXXX over, in the middle of a pandemic.
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| 10/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XX/XX/31 at approximately XXXX XXXX, I called Hyundai Finance Motors to make a payment on my past-due loan. I informed the representative that I only had {$500.00} to pay toward the XXXX past-due balance. I requested a late fee waiver, as the amount being asked was {$560.00} and I had just paid {$1000.00} a couple of weeks prior, and my funds were limited. The representative proceeded to tell me that Hyundai does not waive fees and I would need to pay the amount requested in order to stop collection calls. I asked the representative, why didn't Hyundai have a fee waiver request available for their consumers to allow them to get caught up on their past due amount when efforts are being made to bring the account current. The representative proceeded to tell me that my past-due account is my fault and why should they waive my late fee because I fell behind. I told the representative that she was in violation of the FDCPA and that I would report her for abuse. I then requested to speak to another representative to proceed to make my payment. The representative told me to report her and hung up in my face. I called back to make my payment and also to request the name of the representative. I was only given the name XXXX, no extension was provided. The new representative did, in fact, request a fee waiver ; so not only was the previous representative abusive, but she also provided false information regarding my account.
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| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir/Madam, I am writing to dispute the inaccurate charge off reporting associated with this account at Kia Motors Finance America . The erroneous charge off status on my consumer report has had a detrimental impact on my creditworthiness and financial opportunities.
I request an immediate investigation into this matter to rectify the inaccuracies. Kindly undertake the following actions : 1. Conduct a thorough review of this account to verify the accuracy of the charge off status as reported on my consumer report.
2. Correct the inaccurate charge off entry by providing written notice to XXXX, XXXX, and XXXX, requesting the removal or correction from my credit report.
3. Provide written confirmation of the correction or removal within XXXX days from the receipt of this notice, in accordance with the Fair Credit Reporting Act.
4. Cease any further reporting of inaccurate or misleading information related to the charge off on my consumer report.
I have enclosed relevant documents for your review and investigation. Please acknowledge receipt of this notice within XXXX days.
Failure to address this dispute in a timely and appropriate manner may result in legal action and the filing of a complaint with the Consumer Financial Protection Bureau.
I trust that Kia Motors Finance America will prioritize the resolution of this matter promptly.
Thank you for your attention to this issue.
Sincerely, XXXX XXXX
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| 08/06/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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My father ( deceased in XX/XX/XXXX ) leased a XXXX in XXXX XXXX $ XXXX month. Being he was XXXX at the time and in failing health he rarely drove the car.. When he passed away my sister and I went to the dealership and advised them - they did n't know how to address the issue of a deceased customer so they got the lease division on the speaker phone. We were advised 'that for deceased customers ' ( their exact words ) all we were responsible for is the remaining lease payments ( XXXX x XXXX months = {$5300.00} ). They would pick up the car and auction it, and anything received above that would be considered 'a wash '. Fast forward to XX/XX/XXXX - I received a statement from a collection agency that {$5500.00} is due!! They did a calculation based on the residual value of the car - rather than the remaining lease payments. I said to the collection agency- why would I turn the car in, knowing that the final bill would potentially exceed the remaining lease payments? We could have driven the car for XXXX months! Hyundai is 'double dipping ' by selling the car PLUS also billing the estate!!! The collection agency actually told me too much- that they hear this from the families of Hyundai lease customers 'all the time '. The rep tried to retract her wording but it was too late! This company needs be brought to court in a class action suit- telling the families one thing when they know the truth is the complete opposite.
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| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My loan was paid off by insurance company on XX/XX/2023 however the payoff quoted to my insurance was over by {$34000.00}. All along I was on top of my insurance company to make sure that my loan for my Kia was paid on time. To my surprise the first 4 follow up calls were all the same. The refund check will be issued and mailed out to you XXXX XXXX however it will take 30-45 days for it to go out. On XXXX I called and I was then told that check had been mailed on XXXX to my insurance company and not me as I've been told all along. Today I called Kia in XXXX and spoke with XXXX XXXX. and was given a chk #, the exact amount and the address. Hours later I contacted my insurance and they confirmed that the address they mailed the check to was incorrect and for me to ask them to void the check, reissue a new one and mail it to the correct address. After being on hold for 20+ minutes I requested to speak with XXXX XXXX they couldn't do that so I needed to now speak with XXXX XXXX. I then asked that please void the check. But she was quick to say " No we can't do because your a 3rd party and so they need call us directly and submit the request. I've been waiting for the past 70 days for my money and now I'm being penalized for an error they created. My payoff was for $ XXXX at the time time my insurance company called for payoff see attached payoff letter they submitted to my insurance. I want my {$3400.00} refund now!!
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| 12/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I cosigned for a car for someone in XXXX who then approximately one year later decided to abandon the car and left it with me. I then had to go through hoops to try to get the car registered in my name and have the car sold to me in XXXX with all the documents and paid receipts of sale in XXXX the car was lost in the flood in XXXX and as of this date XXXX XXXX has refused to pay off the vehicle because XXXX keeps sending a title in their name as the owners even though there is no lien on the car and my name and the person I cosigned for is still on the back of the title I have tried several times with the motor vehicle department insist that XXXX has to have my name put on the title being it is sold and paid for XXXX has not helped me in approximately six years that Ive been trying to do this and now I am stuck with a car that is salvaged And XXXX XXXX will not pay me until the title that XXXX has to release has my name on it It seems that this is an ongoing problem with XXXX for people trying to get a title and their name. This is not acceptable to them to issue a title with their name still on it as the owners when the loan is paid off after purchase and I have receipts for it XXXX XXXX will release my money but I have to send them a title with my name on it so it can be sold to them for reimbursement. There was no loan on the car after the lease. We just bought it out right as the receipt shows. Thank you.
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| 05/08/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Thie complaint is against Kia Motor Finance Corporation. I incurred costs due to the company 's failure to remedy my inability to register a car leased through XXXX of XXXX XXXX ' ( dealership ) in New York.
At the time of lease, the dealership indicated that the vehicle could be registered in NY and I provided NY insurance. But despite many phone calls and emails by me, the vehicle was never returned to me and I could not use the car or park it safely for periods of the lease term.
No attempt was made - either before or after towing the car back to Maryland at my own expense so that I would not incur tickets - to provide any alternatives so that I could use my vehicle, or mitigate the cost of returning the car to the dealership, or mitigate the lease termination cost. And no attempt was made to have my XXXX lease payment suspended or otherwise reduce lease termination costs, for example by buying back the vehicle. It's unfair for me to have to pay the entire lease termination fee of over {$3500.00} based on this. Most pertinent to this complaint, when after much additional correspondence, a bill was sent to me ( 1 ) I was not notified in a timely fashion because a letter was sent to my home when I had indicated that I had relocated due to COVID and would require email or phone notification ( 2 ) I was not informed of any right to dispute the charges.
Thank you for your guidance.
Sincerely, XXXX XXXX
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| 04/22/2020 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I traded in a leased XXXX XXXX XXXX ( XXXX ) to XXXX XXXX in XXXX, MA. XXXX was given and accepted the vehicle, along with a then-current buyout balance of {$45000.00} payable to XXXX XXXX.
As soon as I became aware of the account 's delinquency on XX/XX/XXXX, I contacted XXXX to expedite the payment ( they claim they sent payment to the wrong address ). This payment was finally received, per an automated " Payment Processed '' e-mail from XXXX, on XX/XX/XXXX.
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX advising me that the account was still delinquent {$3600.00}. Upon calling XXXX ' collections department to follow-up on the account 's status, I was advised that the payment was received, but not applied " for some reason '', and that only " Customer Care '' could fix this. Due to the Coronavirus situation, they were not accepting inbound calls. I was promised a callback within 72 hours, which has not happened as of XX/XX/XXXX.
Separately during this situation, XXXX was assessed excise taxes from the Town of XXXX, MA for a vehicle I no longer possessed and added the balance to my account accordingly. I attempted to file an abatement on their behalf, but the Town stated it must be abated by XXXX directly.
On XX/XX/XXXX, per the instructions on the letter, I wrote to XXXX XXXX disputing the validity of the remaining debt. This was sent via USPS Priority Mail ( Tracking # XXXX ).
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| 06/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I was contacted on XX/XX/XXXX by XXXX XXXX XXXX stating that I did not make my XX/XX/XXXXpayment. I verified with my bank that my payment ( submitted through my bill pay ) was sent to XXXX and the check was cashed. XXXX shows record of a payment of XXXX on XX/XX/XXXX. This is the amount I sent. But XXXX says this was a warranty payment and was applied only to my principal, not to my monthly payment. In Later conversations, XXXX accused me of missing a payment inXX/XX/XXXX, then went back to stating my payment was misapplied. After 2 weeks and several phone calls I submitted a bank statement to them showing that the {$350.00} was drafted from my account. Collections continues to harass me almost daily. Now I have not made my XX/XX/XXXX payment yet because I cant trust that they will properly apply my payment and I have received no reassurance from XXXX that they will resolve my issue. I have told them I am withholding my XX/XX/XXXX payment until this issue is resolved. I fear that this will affect my credit. I have asked on multiple occasions to speak to a supervisor only to have the call dropped or get no additional assistance. They have a policy that customer service cant speak with people if their account is past due but how am I supposed to resolve this if I cant speak to them? I have doesnt countless hours now trying to resolve and issue I had no hand in creating. All I did was make my payment on time.
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| 11/08/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
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Web |
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My name is XXXX XXXX, lease account # XXXX About 3 years ago we decided to lease the XXXX XXXX.
It was our XXXX time lease experience and we were very excited to get new top of the line vehicle with features by far exceeded top of the line vehicles on the market. During the lease period we NEVER had any issues with the vehicle and my mostly my wife used it for short commute with our small kids.
After ~ 25 month lease I replaced XXXX tires and brakes, due to moderate wear in order to keep vehicle in the safe shape.
According to XXXX recommendation vehicle was tested a week before lease return and inspector found XXXX scratches of XXXX '' each and missing 2nd key. Second key was at home and before returning vehicle to XXXX dealer ( XXXX, VA ) I found a detailing service and performed full car detailing. Once I return it to the dealer- dealer told me that car in very good to excellent condition.
However, once I received your final bill- I was shocked ....
1 ) You charge me for key that is not missing ( XXXX from lease return group validated it with dealer ) 2 ) Please open the scratch images ( you should have them ) and justify why it should cost me {$450.00} 3 ) Why you charge x10 than it 's in the bill for parking violation - see attached bill 4 ) Why you charge ~ {$150.00} more for property tax 5 ) Why you obligate me to purchase vehicle by charging {$400.00}, is it US consumer rules acceptable????
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| 03/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I bought 1 car with Kia ( Kia XXXX XXXX Ex ). On or about XXXX XX/XX/XXXX Kia financial sent me a bill that I owed {$490.00} with 60 payments. The first payment was due XX/XX/XXXX. I made a payment to this account on XXXX XX/XX/XXXX. I made a second payment for my next bill on XX/XX/XXXX ( each payment is due on the XXXX of the Month ). I then paid my bill again XX/XX/XXXX. My bank statements show payments made, and I was receiving emails to pay my bill each month. I would log in and the payment that was 'due ' was XXXX. If you look at my credit history, I have never paid a bill late.
I received a check in the mail yesterday XXXX XX/XX/XXXX for {$490.00} as an 'overage. ' I logged into my account because when I looked at the account, I was surprised to find that while my payments went through ( {$1400.00} so far ) my total amount owed was {$0.00}. I assumed ( which I was correct ) that somehow Kia opened up two accounts in my name. I called Kia on XXXX XX/XX/XXXX to inform them I was paying my bills on time, and they mentioned there was a second account I was not aware of. The issue I am having is that they now report my payments as late because I had no clue of the second account, but I was paying the account as notified.
I called into KIA about 5-6 times. Their phone kept disconnecting and the number would not work. I am unable to fix the issue with them because there is no way to contact them.
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| 10/13/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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XXXX/XXXX/2015 - Terminated my lease early because I was eligible under the " Pull-Ahead '' program and entered into a new lease. Part of the program was that I do n't have to pay remaining payments, early termination fees, or other fees and taxes.
XXXX/XXXX/2015 - Received alert from credit bureau that I have defaulted on my auto loan for the terminated lease. I called Hyundai Finance right away and the credit issue has been taken care off. I was told that I was processed incorrectly for the " pull-ahead program '' but that account review is a manual process and it typically takes 30-60 days, and I will hear from them.
Five ( 5 ) more calls later and after speaking with many individuals in the same department : I have not yet received an update ; the " marketing department '' has to approve it ; there is nobody they can transfer me to or provide contact information for so that I can contact directly ; they will email " the people '' and see " what the hold-up is ''. I have also sent them a certified letter requesting resolution. No response and no update. It has been 4 months since I found out there was an issue. They did move rather swiftly to inaccurately report to the credit bureaus! If they could apply that speed to their customer service and their " recovery '' department. I have also been saddled with excessive wear and tear on a vehicle below mileage limit with not even a scratch or ding.
|
| 07/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I had a leased vehicle from Hyundai back in XX/XX/XXXX. My lease was ending soon and was told I could purchase the vehicle at the by sending in the payment through Hyundai Motor Finance ( HMF ) online, and then sending in an Odometer Statement.
I did this back in early XX/XX/XXXX. It has now been three months and HMF has yet to send out the title. First they said it would be sent in 7-10 business days. Every time I call they tell me that they " will escalate '' and I will hear a response in 5-7 business days. I never get a response, and call back. They tell me something different each time.
One time they said the title was sent to me, and then sent back to them for a bad address. Another agent said that never happened, and when asked if it was a lie, they said, " Yes. '' They claim the Title Department only works XXXX and XXXX, but can not say where my title is or why it is taking so long. I purchased this vehicle and I need to get it registered in my name as the registration expires soon, but I can not do so without the title.
One agent on the phone told me to email XXXX. I did this with the information, but they were unable to assist, and then forwarded my email to the Lease Buyout Team. I talked to this team over the phone, and they said it was Titles team who releases titles. No one seems to know where my title is or who is working on it, and there is no contact info for the Titles team.
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| 09/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I purchased my vehicle from Hyundai on XX/XX/XXXX. I moved to XXXX from XXXX and registered my car.
I log into my account to make my payment for XXXX and see an amount due triple my normal car payment.
I called Hyundai to find out what was going on. I was advised that I have to pay taxes for the state of XXXX since moving.
I understand that I have to pay the taxes for XXXX. I am asking for help. We're in a pandemic and Hyundai advised me they can not make payment arrangements for lease consumers. I have been able to make my payment every month during this pandemic. I can not afford to pay {$900.00} in taxes by XX/XX/XXXX.
Hyundai refuses to help, they will not even split the payment up. I did not receive a bill or notice of this tax amount needing to be paid. Nor it is on my monthly statement. So now I will lose possession of my vehicle because I am the only person paying bills in the household. I don't have an extra {$900.00} for taxes. I would appreciate being able to make this payment split into a monthly payment or over the remaining duration of my lease.
It not fair that when I purchased this lease I advised to the salesman that I would be potentially moving to XXXX. He never advised that I would have to pay additional taxes in another state. I paid taxes up-front for the state of XXXX. This is unfair, I have been advised I don't qualify for help because I am leasing the vehicle.
|
| 07/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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four years ago I went into XXXX XXXX and purchased two vehicles and leased one vehicle ( total three in one day ).
The lease ended XXXX, 2018. I was allowed 15,000 miles per year.
Last XXXX I went into a dealership and purchased two new vehicles. I then paid the entire balance of the five remaining months lease.
I've now received a bill for {$430.00}.
I called Hyundai and explained I had turned the vehicle in when I purchased two new vehicles. I also told them I had only utilized approximately half of my allotted mileage allowance over the four year period. There was no damage ect. to the vehicle.
I've now received a this bill stating I paid it off early. I explained I turned it in early BUT PAID IT IN FULL THROUGH THE END OF THE LEASE TERM. I also again stated I only used approximately half of the allowed mileage. They continually refuse to delete this " balance due ''.
I called Hyundai and reached XXXX XXXX, who is a CSR. He said it was dead wrong that they were trying to charge me this money. He said he was submitting a complaint on my behalf and bc he was doing that the complaint would have to go to Corporate Hyundai to be reviewed.
So they're basically saying bc I stopped driving the lease 5 months early, BUT PAID IT IN FULL FOR THE COMPLETE LEASE TERM. I'm going to have to pay them. This sounds ridiculous!
You can reach me at XXXX XXXX XXXX if you have any further questions.
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| 02/13/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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lease matured XX/XX/XXXX, had been contacted by dealer prior to and we advised we were in process of buying out. We did not know they do n't inform Hyundai Motor Finance ( HMF ). We got approved for loan through our bank, got insurance binder on XX/XX/XXXX and HMF finally sent payoff statement to bank on XX/XX/XXXX ( after much back and forth ). Included in statement was a security deposit authorization that needed to be signed by a dealer. Dealer refused to sign until they learned more about it as they had never seen it before. Constant back and forth with dealer produced no results or information- they are still waiting to learn about authorization. During this process, car was repossessed. Daily calls with HMF are debilitating as I receive no help. One person said that since security deposit was only {$1.00} and something so small should not be giving me so much trouble, they would send me new pay off letter without security deposit of {$1.00} and increase the pay off amount by {$1.00}. However, that paperwork was stopped by the reinstatement department. I am still trying to get in touch with people to get help. I have no car, our credit will take a huge hit, even though we have documented proof of a good faith effort in trying to obtain a loan to buy out the vehicle and the only reason why this was held up is because of the security deposit authorization and the dealer refusing to sign same.
|
| 07/18/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I bought out my lease from Hyundai Motor Finance ( HMF ) for a XXXX XXXX and even though they cashed my check over 35 days ago, they keep giving me the run around about when I'll receive documents so I can transfer the title. Before submitting the lease buyout documents, I called HMF to verify they would send either a notarized title or bill of sale and I was guaranteed the bill of sale would be notarized if the title was not... neither are.
I've contacted HMF multiple times to request a notarized document stating the purchase price of the vehicle, and every time I'm told it will be 5 business days. HMF confirmed today that they still haven't processed anything and, " we're processing requests from two months ago ''. HMF has intentionally misled me and misrepresented their services in what appears to be an attempt to discourage me from exercising my contractual right to purchase the vehicle. They have lied about sending the notarized documents and it appears they intentionally misled me and then changed their story once they cashed my lease buyout payment on XX/XX/XXXX.
I've contacted HMF multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be given a different story each time, without progress or an outcome. The XXXX XXXX Clerk and myself have both sent a KY Certificate of Title form to HMF to sign also and have not received a response.
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My fiance and I went to XXXX XXXX car dealership in XXXX, Florida to trade in her vehicle for a new one. We were {$9000.00} upside down in the vehicle. They told us no problem. We told them to run our credit report once. We did not want them repeatedly running our credit. She found her dream car, a XXXX XXXX XXXX. I offered them {$500.00} down they told me to save it, it would only lower the payment by {$20.00} or {$30.00}. We took the car home that Monday night. The next morning she got alerts on her phone that her credit was still being inquired. I went to the dealership and asked the XXXX XXXX about it and he told me, after looking on the computer that we had two approvals and the deal is done. Fast Forward to Friday, we called the dealership about the remote start and they told us the XXXX needed to speak to us. He said, they were requiring {$2500.00} down to close the deal. We went back and we negotiated a {$1000.00} down payment with cash due in 30 days. They day before I was about to give them the first portion of the down payment they told us there was no deal and wanted the car back. Not only was my fiance crushed, we were now two months behind on the other car payment and our credit scores had gone down over XXXX points because they repeatedly ran the deal to 20 different primary and secondary lenders without our permission after assuring us we had two approvals and the deal was done.
|
| 11/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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I am currently leasing a XXXX XXXX XXXX vehicle financed through Hyundai Motor Finance ( HMF ). I want to buy out my lease according to my lease contract, however the payoff generated through their website is attempting to charge me sales tax despite electric vehicles being exempt from New Jersey state sales tax. I did not pay any sales tax to the dealership and businesses are barred from collecting sales tax on certain vehicles ( this one included ) sold in New Jersey.
I spoke with HMF on Monday ( XX/XX/XXXX ) and explained the law and that the vehicle was exempt from sales tax and they told me there was no way for me to buy out the lease without paying sales tax. I called back again on XX/XX/XXXX and spoke to another agent who asked me to forward documentation from New Jersey explaining the vehicle was exempt. On XX/XX/XXXX, I faxed them NJ form XXXX ( https : XXXX ) and a registration and titling document that I retrieved from the dealership, showing that no sales tax was paid and that it was exempt.
I called HMF again today ( XX/XX/XXXX ) as I have not received a correct payoff information and I was told there was no way for them to generate a payoff form without sales tax and that if I wanted to not pay sales tax I would have to go through a dealership. However, no dealership is willing to assist me in buying the car without charging additional fees not stated in my original contract.
|
| 07/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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XXXX XXXXXXXX XXXX reported that I was 30 days past for the month of XXXXXX/XX/XXXX to all three credit bureaus. I was not 30 days past due. I was past due but not 30 days. They also reported that I was 30 days past due for the month of XX/XX/XXXX, which I also, was not. I have attached my statements showing my payments were made within the reporting window and that extra payments were in fact made as well. They only reported that I was past due for XX/XX/XXXX to two of the three credit bureaus, XXXX and XXXX. They reported that I was on time for XXXX.
Also, in XX/XX/XXXX they reported that I was 30 days late to XXXX. They reported that I was on time to XXXX for that same month. Again, I did pay past the due date however, I was not thirty days late. I have spoken with them on three different occasions and they refuse to correct this information. On one occasion I was advised that I was not 30 days late but that since my account was paid past the due date that it was within their rights to report that I was past thirty days. On another occasion the representative agreed with me but said there was nothing he could do but send me a print out of my payment history which I could provide to my mortgage lender, and on the last occasion I was advised that I had been late other months from the year prior and should just leave it alone.This is impacting my credit unfairly and it is false reporting.
|
| 02/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Older American |
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This new complaint is in reference to complaint # XXXX I called consumer finance on XX/XX/XXXX because the email be low said the company had responed Review the companys response to your complaint.
The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone.Thank you for participating in our complaint process. This complaint is now closed.
I could not open the complaint XX/XX/XXXX consumer finance customer service said would mail me a copy of the complaint response, it is XX/XX/XXXX sill havent gotten it. They read me the response said Hyundai Motor Finance agreed to refund my {$390.00}, I called Hyundai Motor Finance XX/XX/XXXX spoke to XXXX in customer service he said two checks {$290.00} and {$100.00} was mailed on XX/XX/XXXX. I still have not received any refund checks no email no text no phone call from Hyundai Motor Finance no communication at all, this issue started XX/XX/XXXX with me trying to get a refund on money Hyundai motor Finance owes me, I am a senior XXXX yrs old on a fixed income very frustrated and disappointed in the way I have been treated. I had to provide the documents to support my claim, Hyundai motor Finance has disrespected and used their power and control to dismiss this complaint as irrelevent. Im just asking for my money nothing more 2
|
| 01/10/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Servicemember |
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I returned my leave vehicle to Kia Motors in XX/XX/XXXX. Kia Motors never sent me a final invoice. In XX/XX/XXXX, I received a note Dated XX/XX/XXXX from Kia Motors Finance telling me how much I owed. That same month, Kia Motors Finance reported me to the credit bureaus as being XXXX days past due. My credit scored dropped XXXX points. I called Kia Motors and paid in full. Then on XX/XX/XXXX, Kia Motors Finance reported me to the bureaus again as being XXXX days past due even though my account was {$0.00} and closed. My score dropped another XXXX points. I called Kia Motors Finance back and they said that I just have to wait. Mind you that I need a very good credit score for my security clearance. Kia Motors Finance acted as if this drop in credit score, which was caused by the company, was not a big deal. Well, it is a big deal for me and I have no idea when my score will go back to the original score, which I monitor closely as it is a must for my employment. I filed a dispute with XXXX and XXXX and they both informed me that it is up to Kia Motors Finance to rectify the issue and that my score will most likely not go back to what it was. Now, I am stuck with a poor credit score, which puts my security clearance at risk, all the while, I owe no money to Kia Motors Finance and I never received an initial final invoice from the company. Pleas help as my employment is on the line. Thank you.
|
| 07/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XX/XX/2023, I entered into a settlement offer with XXXX XXXX which is the third party collection agency that represents Hyundai Capital America. I originally owed {$7500.00} to Hyundai Capital America. Between XX/XX/2023- XX/XX/2023, I have made payments totaling {$3800.00} per the settlement agreement and have satisfied my obligation. I received a letter from XXXX XXXX indicating that I have met my obligations and they have submitted documentation to Hyundai Capital America indicating the same however, Hyundai Capital America will not update my credit report. XXXX XXXX have stated on numerous occasions that they have provided all documentation to their client, Hyundai Capital America however, Hyundai Capital America continues to allege that XXXX XXXX have provided them with nothing. I've offered to send the settlement in full letter to Hyundai Capital America however, they told me that even if I send the letter, they will not update my credit report without the actual correspondence from their third party collection agency, XXXX XXXX. I have even offered for all three parties ( myself, Hyundai Capital America & XXXX XXXX ) to do a conference call to assist in resolving this issue however, both XXXX XXXX and Hyundai Capital America refuse to cooperate with me in doing so to resolve this issue. I have requested to speak with managers with both organizations to no avail in a resolution.
|
| 09/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
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In XXXX of XXXX, I leased a XXXX Kia from Kia Motors Finance through XXXX XXXX XXXX in XXXX, Indiana. After one payment, I bought out the balance of the lease. Since I am an Ohio resident the dealer explained that they were required to collect the Ohio sales tax in the amount of {$2000.00} and forward it to Ohio. They collected the {$2000.00} from me at that time. They did not forward the collected tax to Ohio! Therefore, when I registered the XXXX and purchased license plates, I had to pay the Clerk of Courts in XXXX County, Ohio the {$2000.00} sales tax.
I contacted Kia Motors Finance requesting a refund of my original {$2000.00} early in XXXX. After several calls over the first three months of XXXX, they sent a check for {$2000.00} datedXX/XX/XXXX directly to me. However, the check was made payable to the Clerk of Courts. Obviously, I couldn't cash it. As I expected, the Clerk of Courts wouldn't accept it and give me the cash.
Over the last five months, I have made one or two calls each month and mailed or faxed three sets of documents to Kia Motors Finance showing proof of the tax payment to Ohio and each time I have requested a refund. During the first three calls, I was told each time a check would be mailed to me within 3-10 days. The last two months, I was told that Kia Motors Finance can only issue checks to Clerks of Courts so they have no way to refund my {$2000.00} to me!
|
| 07/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
This is the worse company EVER. I have been trying to get a BOE and title to my car for almost a year. Over the last several months, I've talked to 17 employees at the finance department. They make promises they do not keep. They submitted my bill of sale to CA DMV in the wrong amount and the CA DMV says I didn't pay the correct amount of taxes. They finally sent me a copy of the bill of sale Which had the wrong sale date and the wrong amount. omg, THEY ARE XXXX!!!! Every time I call I have to tell the story over and over again. They always have different information from my previous calls. I spoke to a supervisor, XXXX, operator # XXXX on XX/XX/2021. He gave my his word of honor he'd call me the following Friday, XX/XX/XXXX. I never received a call. When I called today, the first person I talked to said the " call was disconnected '' That's XXXX, I never received a call. They lie to customers. They are not organized. Seriously, their " customer support '' ( Laugh at Customer service ) There is nothing service orientated about this MESSED up company. Here it is over a year since my car was paid off. I can not get my pink slip, a correct BOS or BOE. I filed a complaint with the XXXX, consumer reports and any other agency I can find to do so. I need help please. I attached the wrong information they ( Kia ) sent me and the correct information of our payoff amount through my credit union.
|
| 04/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
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I set up automatic payments in XXXX/XX/XX/XXXX ( after having a perfect payment history with this vehicle AND an XXXX XXXX ), because I was getting married, moving, and became a XXXX ( which I spend 60+ hrs/wk ). It was vital that I had automatic payments set up because I knew I would not have the time to do much else other than work and sleep for ~2 years as I earned my time at work as a XXXX . I thought everything was fine until my wife had me check my credit report last month as we are ( were ) looking to purchase a house.
Specifically, I called Hyundai in XXXX/XX/XX/XXXXand spoke with a man by the name of XXXX. He confirmed I had automatic payments set up and that it might take a payment cycle or so for it to get up and running. So I paid over the phone with him there and didn't look back. My job and life are overbearingly busy ( much like anyone who reads this probably experiences too ), and I frankly never checked in with anything or anyone.
To my surprise, Hyundai has been reporting my payments late in excess of 120+ days ... which I immediately paid upon learning. I called them and explained, but they did not care and they actually hung up on me. I was respectable and calm on the phone, why would they do that to me unless its such a hot potato they don't want to touch it. And this is why I am filing this with you, they have ruined my credit because of a failure on their part.
|
| 12/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Hyundai Motor Finance is operating in fraud and performed an illegal repossession on my property. Hyundai Motor Finance sent a 3rd party company to my private property and stole my car. Hyundai Motor Finance is in direct violation According to Federal Law 15 USC 1692e ( 4 ) - which states the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment or sale of any property or wages of any person. Furthermore Hyundai Motor Finance does not have any legal security interest in the vehicle they repossessed/ stole from me, according to the XXXX search attached below there is no legal lien of any kind on my name. Furthermore Hyundai stole my vehicle and my personal property inside of my vehicle with a value of {$250000.00} and gave me no way of retrieving my personal items or getting my property back. Furthermore I asked Hyundai Motor Finance for debt validation on XX/XX/2021 and received by XXXX on XX/XX/2021 in which they did not validate the debt thus defaulting, I sent a default and opportunity to cure notice on XX/XX/2021 and received on XX/XX/2021 in which Hyundai Motor Finance did not respond. I sent a default notice on XX/XX/2021 and received XX/XX/2021 in which Hyundai still has not responded. I have evidence and receipts for all of these mailings in which everything was sent via Notary Presentment.
|
| 07/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I bought a new XXXX Hyundai XXXX from the XXXX dealership in XX/XX/XXXX, and I always make payment to Hyundai Finance since then. I always pay on time, my expected bill was {$590.00}, but I always pay {$600.00} so that I can finish paying up before 5 years loan that I was given.
I made a payment of {$600.00} in XX/XX/XXXX for my XX/XX/XXXX payment and my account was not correctly balanced, I called their customer service representative about the mistake. Within two days the mistake was corrected. Again, on XX/XX/XXXX I made a payment of {$600.00} ( Interest was {$48.00}, Principal was {$550.00} ). From a previous balance which was {$22000.00} after the payment made on XX/XX/XXXX, {$550.00} suppose to be taken out of {$22000.00}. Therefore, my balance in XXXX suppose to be {$22000.00} minus {$550.00} equals {$21000.00}. Instead, the company refused to balance my account, they just wrote XXXX on the balance. I called this company from XXXX through XXXX, I spoke with their 5 representatives and a Supervisor, all to no avail. I decided to write a letter to their office in California, they ignored my letter.
Thereafter, I decided to refinance, Hyundai Finance charged me interest on their wrong calculations, decided not to refund my {$550.00}, and later sent a check of {$3.00} as overage.
I am filing this complaint to request for my {$550.00} plus the interest I was charged wrongly.
|
| 02/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/XXXX, I opened up a car lease account with a automobile finance company, and made all 39 lease payments. The vehicle was returned in XX/XX/XXXX. I received no further communication from the leasing company.
In or around XX/XX/XXXX, I received a notice from my credit monitoring service that my credit score dropped as a result of a charge-off account. I looked at my report and I saw that the leasing company, continued to report the lease account as opened past the payoff date of XX/XX/XXXX, and notated a 30 and 60 day late payment for XX/XX/XXXX and XX/XX/XXXX, respectively.
When contacting the company, they claimed that a post-lease invoice of approx {$880.00} was sent out and never paid, so accordingly, they were entitled to charge off the account.
I informed them I had never received the invoice and requested a copy, which they were unable to provide for the next few weeks. The verbally stated that two invoice were sent out, but finally, only were able to produce 1.
I offered to pay the account in full in exchange for a removal of the charge off notation, and they refused. After I paid off the account in full ( as I always pay me debts ), not only did the creditor not remove the notation, but they added 11 additional charge off notations for each month between the date of the original charge- off ( XX/XX/XXXX ) through the date on which I paid the account in full.
|
| 12/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I purchased a vehicle from Kia of XXXX, TN in XX/XX/XXXX. I setup autopay for automatic payments to Kia Finance. In XX/XX/XXXX we decided to retire and relocate to our home in XXXX, XXXX. We sold the car to XXXX XXXX, and XXXX XXXX payed off the remaining loan. Unfortunately a payment was due and deducted from my account prior to XXXX XXXX submitting the loan payoff amount. I was assured by Kia Finance a check would be forth coming. I had notified the post office of my move and had a forwarding address, I received all of my mail with the exception of the Kia Check, so I called them to follow up. They had assured me the check had been sent so I gave them my address in XXXX. After several months, I called again, they provided me the address they sent the check to, but it was incorrect, ( it should be noted the check did eventually arrive, but the check was expired by the time it arrived ). I corrected the address in XX/XX/XXXX, but until now I have not received a replacement check, and I have lost confidence in Kia 's checks in the mail statements. While I do have a foreign address I have received all of my mail from my banks, Social Security, gifts from family etc. I am rapidly approaching a year of Kia not reimbursing me for money they acknowledge they owe. Should the check discussed in XX/XX/XXXXactually arrive it would no longer be valid, as they have a 180 day expiration on it.
|
| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
To whom it may concern, I write to you with great concern regarding the recent unfortunate incident involving my XXXX Kia XXXX vehicle and Kia Motors Corporation 's and Kia Motor Finance 's actions in this matter.
My vehicle was stolen early XXXX, which has been linked to the nationwide crisis resulting from Kia 's failure to incorporate a standard anti-theft engine immobilizer that has been an industry norm for the past two decades. This issue is compounded by Kia 's lack of response to rectify the situation, and its subsequent handling of the matter has been both disappointing and unacceptable.
Subsequent to my insurance company 's assessment of the vehicle 's value at XXXX, the funds were remitted to Kia with the expectation that the difference would be refunded to me, given the residual value of just over XXXX. However, Kia failed to provide an appropriate and ethical resolution to this matter, as it retained the payment, effectively profiting from its own manufacturing incompetence.
Such actions not only breach the trust that I had placed in the Kia brand, despite this being my second Kia vehicle, but also constitute an egregious violation of the law. Therefore, I urge Kia to reconsider its position and provide a just and equitable resolution to this matter. It is my expectation that Kia will rectify the issue immediately to avoid any further escalation of this matter.
|
| 01/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I need to express my frustration with Hyundai Motor Finance Title Department ( XXXX XXXX XXXX XXXX XXXX CA XXXX ) who are clearly not able to do their job properly.
I paid off my lease on XX/XX/2022, uploaded the XXXX statement the same day and have been back-and-forth with XXXX even up until now in order to have my title released. I have faxed ( XXXX ) and mailed to the title department via priority mail the XXXX form, which was delivered on XX/XX/XXXX ( I have a proof ). No one at XXXX is able to locate that form though XXXX of the special agents ( his name is XXXX XXXX lied to me saying he sees the form and it was uploaded to my account and my title getting released today. When I call back the next day to ask for the tracking number the supervisor told me there is no XXXX form on my account. XXXX clearly lied to me. Every rep I've spoken to gives me different answers. Every phone call I make always ends with " we're going to escalate this with our titles department and put you on highest priority '' and nothing is getting moving. I keep recording everything in order to build a case for a lawsuit if things are not getting done soon. I have filed both XXXX and CFBP complains, next thing will be getting a lawyer. I have even requested if they are not able to complete the " Lease buy-out '' process from their end I want to get refunded and I will return the car immediately.
|
| 02/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I never received the final damage assessment bill from Kia Motor Finance ( KMF ) for my returned lease on a XXXX Kia XXXX -- the damage was assessed in XX/XX/XXXX. I never received the bill, despite KMF having the correct phone number, email address, and mailing address on file for a second vehicle I leased from KMF in XX/XX/XXXX ( note : the same phone number and email address were also on file for my XXXX lease ). Since I was never notified of or received the damage assessment bill, I had no ability to pay the bill - causing me to go delinquent on the {$330.00} amount.
In XX/XX/XXXX, I noticed my credit score had dropped 50+ points. After some digging, I finally discovered the delinquent KMF bill and paid it off right away via the KMF phone line. I believe the delinquency on the bill is KMF / the Kia dealership 's fault and should not be reflected on my credit report.
I've disputed this issue directly with KMF via mail twice ( XX/XX/XXXX & XX/XX/XXXX ), since they do not have a phone or email to help resolve customer credit disputes. Both times, I received a letter in response stating my dispute is invalid and that " the disputed information is accurate as reported ''.
I've also attached a document that goes into more detail on the situation and also includes : both credit disputes I mailed to KMF and screenshots of my contact information for the XXXX & XXXX leases.
|
| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
On XX/XX/2023 my wife and I bought a XXXX XXXX and financed $ XXXX.through Hyundai Motor Finance company XXXX On XX/XX/XXXX we paid the vehicle off.
Unbeknown to me or my wife, the dealership erroneously created two accounts for us with Hyundai Motor Finance ( same VIN within each account ). One account shows we paid the vehicle in full. The other account shows we never made a payment. I have been in touch with Hyundai Motor Finance no less than 10 times trying to rectify the issue, one of those times i coordinated a conference call that included the dealership.
In October I filed a formal complaint with the company and they have since assigned someone from their Customer Care center. I spoke to her one time three weeks ago, left three messages since, and get no response.
Hyundai Motor Finance has not released my title- they still have an electronic lien against the vehicle on file with the state of XXXX.
Hyundai Motor Finance continues to send collection documents to me and my wife and now state we are in default and are threatening legal action if we don't pay for the vehicle by XX/XX/XXXX.
I am concerned that Hyundai Motor Finance will fraudulently make negative credit reports against me and my wife when they are very aware that such reports would be untrue. I am also concerned about legal action they my take against me even though that action is without basis.
|
| 08/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am a XXXX in the XXXX and made the mistake after XXXX XXXX of co-signing my mothers {$30000.00} car loan with Kia Finances in 2019. She failed to tell me that she missed 4-6 months of payments and the car went into collections. The company, Kia, never sent any written documentation or called about the car going to collections. For the past two years my mother and I have been trying to find out who has the loan and how to pay it and every time we call Kia we get put into a deadend. Certain more notable things we have been told are : the loan is in collections but we can not disclose the collectors information, the vehicle is in a repo status but we can not repo a vehicle from a XXXX person, and on one occasion they asked me to make money payments by mailing cash every month to a XXXX XXXX XXXX Texas. Ive checked my credit report to see where the loan originated in a more last ditch effort fashion, and it gave me an address to a Kia Motors Finance America in California but no phone number. I used XXXX and searched the listed address and it was to Hyundai Motors. I called them to see if maybe they had a Kia finance department and they stated Kia has never worked in the building and dont know why the address was listed for their building. I spoke with my local XXXX Legal Attorney and she sent me in this direction as well as a few others and would really like some help.
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Hello, I have tried for months to get this resolved with Kia finance. I have leased 3 vehicles with them over nine years. I have recently discovered that they reported multiple late payments to my credit report that are not true. I have contacted them numerous times by phone and mail but no one calls me back. I have the evidence that shows I was not late with my payments in XXXX and XXXX of XXXX that I downloaded off of their own website. They reported me 30 and 60 days late. Then in XX/XX/XXXX the last month of my third lease they turned off my auto pay and never notified me, so XXXX was late. They said that was there policy now. I filed disputes with all 3 credit bureaus but they really aren't helping with my problem. I have been a loyal customer with Kia and do not understand why no one will call me back on this matter. I have requested to speak to supervisors but nothing gets done. I just get letters stating the disputed information reported is correct. I have had credit for over 33 years and do not have any late payments from any other business. These late payments from Kia have significantly hurt my credit score. I have taken great pride in my credit score and just want to be treated fairly. I have attached supporting documents that will support my statements.
I would appreciate it if someone could contact me about this issue. Home XXXX Thank you very much.
|
| 07/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On or about XX/XX/2021, I received a phone call from Hyundai Motor Finance. I invoked my rights under 15 USC 1692 ( h ) and ( c ). I asked them to validate this alleged debt and cease and desist collection and the harrassing phone calls, until that was completed. I was put on hold for 43 minutes, I hung up.
On XX/XX/2021, I was contacted by XXXX at HMF, and when I tried to invoke my consumer rights she laughed at me, said I needed to bring a balance current, and that she was trying to help me before I lost my car. I invoked my rights pursuant to 15 USC 1692 ( b ), ( c ), ( d ), ( g ), ( h ). She left me on hold a total of three times when I asked for management, she yelled, she laughed and mocked me, she then, after two hold periods, said she would put in my cease and desist, because I was " throwing codes at her ''. While laughing, saying that this wouldn't matter. I asked her to validate the alleged debt in writing, ultimately, after 42 minutes, I was transferred to XXXX, who said that I need to bring the balance " current ''. I invoked the same US codes, and he said he was ending the call. I do not feel this was lawfully or satisfactorily resolved. I felt harrassed and ridiculed. I have since sent an affidavit to the CEO XXXX XXXX by certified mail number XXXX. I also forwarded a complaint about my treatment. Again, I do not feel this was resolved. Thank You.
|
| 01/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have a 2016 Kia Forte no issues whatever besides the excessive oil burning. I get regular oil changes, have taken it to plenty of place wheres they dont find an issue or say its normal for Kia Ill be fine just always check my oil levels or saying I didnt need oil. My car has been known to stall while driving if I do forget to check the oil before driving which is very dangerous. This has been going on for a while and nobody finds anything wrong. The last time my car stalled it didnt move again it was towed to be looked at and it was found that the motor was blown. The repair man told me he could not find that kind of motor and even if it did the amount Id pay would not be worth it for the car. I called Kia they said I did not have a warranty because I was over XXXX miles and they also didnt have a engine and even said they dont make the engine anymore and refer me to XXXX other places XXXX place did have a used engine it was {$3100.00} and told me it would take XXXX hours to repair which would cost me about XXXX. I did finance this car so now im stuck paying for a car rendered useless because I dont have that kind of money and Id I did it would just make sense to get a new car because r could still end up having engine issues after repairs. I know their is a class action against Kia and Hyundai for this exact reason so I just wanted to reach out to somebody.
|
| 06/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We have called Kia Motor Finance 10 separate times on this same issue.
The problem began when we canceled the GAP insurance and extended warranty on this loan. They said it would take 90 days for it to be processed. It did take that long.
When it was finally processed and they received the money it was not allocated to my balance. First it said online that I didnt have to make a payment until XXXX. I called them and notified them I wanted the refund applied to the principal. They assured me it would be applied within three business days. It was not.
I have called every three business days for weeks and received the same answer. There is an additional XXXX I paid which I also asked to be applied to principal which has not been allocated.
When I called on XX/XX/XXXX, after talking to XXXX I was transferred to a supervisor XXXX who assured me it would be allocated within 3 business days.
I called back twice on XX/XX/XXXX. XXXX and XXXX both put me a hold for a supervisor and I was disconnected both times.
I have also requested my money back and XXXX told me this can not be done. She also stated there is no one s be her to speak about this issue.
I do not know what to do. I can not get anywhere with this company. My payments have been on time and I have no problem making them which is why I want this money allocated to the principal and not future payments.
|
| 01/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I have a XXXX XXXX XXXX no issues whatever besides the excessive oil burning. I get regular oil changes, have taken it to plenty of place wheres they dont find an issue or say its normal for XXXX XXXX be fine just always check my oil levels or saying I didnt need oil. My car has been known to stall while driving if I do forget to check the oil before driving which is very dangerous. This has been going on for a while and nobody finds anything wrong. The last time my car stalled it didnt move again it was towed to be looked at and it was found that the motor was blown. The repair man told me he could not find that kind of motor and even if it did the amount Id pay would not be worth it for the car. I called XXXX they said I did not have a warranty because I was over XXXX miles and they also didnt have a engine and even said they dont make the engine anymore and refer me to two other places ONE place did have a used engine it was {$3100.00} and told me it would take 15 hours to repair which would cost me about XXXX. I did finance this car so now im stuck paying for a car rendered useless because I dont have that kind of money and Id I did it would just make sense to get a new car because r could still end up having engine issues after repairs. I know their is a class action against XXXX and XXXX for this exact reason so I just wanted to reach out to somebody.
|
| 04/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American, Servicemember |
|
I bought a new car but with XXXX miles on it I noticed sensor lights on. I took it back to the dealer service department on XX/XX/2019 and was told not to worry even though I had great concerns. An appointment was set for XX/XX/2019. On XX/XX/XXXX while returning home from a VA Hospital appointment all sensors failed. The dealer wasn't available to help. upon getting home I called Hyundai Finance and Hyundai Corporate Offices in California. They told me to have it towed to the dealer, this was done on XX/XX/2019. I was given a case # by Hyundai Finance ( XXXX ). Nothing was done to repair the vehicle because I was told I had to pay for repairs even though the Hyundai Warranty, and a Carefree Car Protection policy had been purchased at the time of the car purchase. So the car sat in the dealers lot for over six weeks and since has been taken somewhere else. I still receive billing from Hyundai Finance for payments past due. The loan amount is {$23000.00} and the past due amount is {$620.00}. I haven't seen or had service of the vehicle since XX/XX/2019. I've tried to work with them but now get no response to my e-mail letters. I think that Hyundai has covered up an internal issue with my vehicle. I do know about the complaints and fire issues that this company is currently dealing with The Center for Auto Safety and Congress of The United States of America.
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XX/XX/2020. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XX/XX/2020.. when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX finance, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.
|
| 12/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Older American |
|
KIA Motor Finance refuses to give me my insurance settlement. I negotiated a 36 month XXXX mile lease at my local dealership. I agreed and signed a contract that verifies this. Additionally the contract has a buyout amount of {$12000.00} plus fees. ( {$14000.00} ). My vehicle was hit while parked in the 33rd month of my lease, I continued to make the remainder of my lease payments while my insurance company figured out what to do with the vehicle. The vehicle was a total loss and I negotiated a value with MY insurance company of {$23000.00}. My insurance company sent this money to KIA Motor Finance after they told me they were waiting for a Letter of Guarantee from KIA Motor Finance. I made my last 36th month payment and also included the buyout amount with taxes and fees. This check totaled {$14.00}, XXXX. In summary I followed my lease contract to the letter. I did not approve or authorize many of the steps that the insurance company did, and I certainly did not agree to anything KIA Motor Finance is attempting to do. The vehicle was removed from the collision shop without my knowledge and auctioned off.
A manager at KIA Motor Finance told me that since he received the insurance check first, he was returning my Buyout check. NO KIA Motor Finance cashed my Buyout check days after receiving it. They accepted my payment in full!
I do not approve of this!
|
| 03/07/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Kia Finance mailed a Property Tax Assessment letter to me, dated XX/XX/XXXX for XXXX XXXX XXXX lease XX/XX/XXXX. I filed Form 50-285 ( Lessee 's Affidavit of Primary Non Income Producing Vehicle Use ) with XXXX County. In fact, I filed for XXXX and XXXX. XXXX County notarized the form and I mailed a copy to Kia. A follow up call confirmed they received it. My issue is the letter states XXXX County Tax Collector has assessed a tax which I know they have not because I visited TCAD ( XXXX Central Appraisal District ) who confirm no tax has been assessed and they have my Form 50-285 on file. I contacted Kia and requested validated, documented proof tax has been assessed, who assessed it and if Kia actually paid it, I need that proof as well. I have called several times and have requested to speak with someone in their Property Tax Dept because the CSR 's are ill-equipped to answer tax questions. KIA will not transfer you nor let you speak with anyone in the Property Tax Dept. I even asked if the Property Tax Dep could call me, but they do not do call outs. Oh and they are quick to state your contract states you will pay any taxes assessed, but if they expect me to pay property tax, I need to see proof of the tax. FYI : The first I mailed Form 50-285, they confirm receipt of form and accepted it. Now they are rejecting it. They are non-consistent at best.
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This is a formal complaint against Kia Motors Finance located in XXXX XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Kia Motors Finance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 09/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever.
Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.
NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.
|
| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
The vehicle that was sold to me new back in XXXX XXXX XXXX was a XXXX XXXX and I was over priced for the vehicle. I think I was over charged for the vehicle at {$28000.00} or maybe more. I dont understand how or what the salesperson did to give me car and the salesperson was fired shortly there after the sale. When I owned the vehicle I was promised full bumper to bumper warranty and shortly there after the car needed repairs thats when I found out that they didnt include the warranty in my deal that we had discussed and I signed off on it not knowing. About XXXX I looked further into the situation and got nowhere. The car took a turn for the worst and wasnt covered by the warranty that I signed up for so I fell behind on payments because of the faulty vehicle. During that time period I also had a few recalls on the vehicle. Since XXXX the vehicle has been in Repo and the vehicle was finally picked up in XXXX. Also before that they were already reporting negatively on my credit and because of that I cant ever get another vehicle. I asked the dealership to resolve the issue and why was the deal changed without my consent I was told it was too late and that they cant do anything about it. Is this a lost cause for me and my situation???? My credit is forever tarnished. I would tell other consumers to stay away from Kia And Hyundai XXXX institutions.
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
HYUNDAI CAPITAL AMERICA IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING PERTAINS TO A DEBT THAT I SUPPOSEDLY OWE THEM.
THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THEM, THE CREDITOR AND I HAVE RECEIVED A 1099C, COPY B FROM THEM CONFIRMING THIS. ALSO HYUNDAI CAPITAL AMERICA HAS REFUSED TO STOP REPORTING MY TRANSACTION HISTORY AS I PREVIOUSLY REQUESTED. PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW RESCINDING ALL AUTHORIZATION GIVEN TO REPORT MY INFORMATION TO A THIRD PARTY AFFILIATE ; WHETHER WRITTEN, UWRITTEN, VERBAL, OR NONVERBAL PER 15 USC 6802, EFFECTIVE IMMEDIATELY AND INDEFINITLY. HYUNDAI CAPITAL AMERICA IS ALSO REPORTING A BALANCE OF {$1800.00}, ON AN ACCOUNT THAT THEY HAVE ALREADY WRITTEN OFF AND HAVE SENT A 1099C TO ME THE CONSUMER, CONFIRING THIS. THIS DEBT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME AND INCOME CAN NOT BE REPORTED ON A CONSUMER CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED OR UPDATED ON MY CREDIT REPORT.
IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT. I AS THE CONSUMER EXPECT THIS ISSUE TO BE FIXED IMMEDIATELY.
|
| 05/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I completed an auto lease with Kia Motor Finance ( via Destination Kia in XXXX, NY ). I thought all was fine, until in XXXX I received a letter from Kia Motor Finance saying that I was {$350.00} delinquent for a last payment that I owed. I immediately called KMF and was told if I paid that debt that day it would not be reported as late to the credit bureaus.
I did pay it that day, in full, and again thought all was fine. The next month ( XX/XX/XXXX ) I viewed a couple credit scores to see that my score had dropped over XXXX points. I pulled my full reports and saw that KMF did in fact report me as delinquent despite having paid the obligation in full. I at that point also filed a dispute with Kia directly and a month later I have not heard back. I have tried to call their collections and customer service departments and with both numbers get a message saying " this number is not working at this time. '' I also filed disputes with the two bureaus where this shows up XXXX XXXX and XXXX XXXX and XXXX told me as of XX/XX/XXXX KMF still says its an outstanding debt and open line. So I now have two months worth of erroneous delinquent payment marks on what was stellar credit before.
I don't know where else to turn -- neither KMF nor the bureaus are willing to help. I have fulfilled the obligation and want this off my credit report.
|
| 12/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Unable to get the title or a lien Release for my XXXX XXXX from Kia Finance in XXXX XXXX CA. This car has been paid for since XX/XX/2020. ( I started the process with this company in XX/XX/2020 to perform the buy out ) I received a letter XX/XX/2020 that my leased vehicle has been purchased by XXXX XXXX XXXX, but the title/lien release was never sent. ( Still do not understand why since the money was sent to Kia in XXXX with the paperwork which we have had to supply 3 times on why it took until XXXX to get this letter ) I have contacted Kia multiple times but they have not provided the required information to the credit- union. XXXX XXXX XXXX has contacted this company multiple times with no success as well. They currently use number XXXX which funnels all calls to a customer service desk and they are unable to assist you. I have asked to speak to a manager on several occasions about this issue, they too where unable and did not want to help. I have contacted the dealership where I had purchased the call but they are not affiliated with this leasing company and could not help me. I have contacted Kia Motors directly and they said that since the leasing company was separate they could not help me either. I am currently paying for a car ( I have been making payments since XXXX to XXXX XXXX that I can not drive since the plates expired in XXXX.
|
| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I contacted Hyundai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all in regards to a request for my lien to be released for my vehicle. My vehicle was paid off XX/XX/XXXX. Attached is proof from Hyundai. I have attempted to sell my vehicle recently and was informed I was unable to due to the lien still being on the vehicle. On all above dates I requested they send the proper documents to the clerks office. They were given the clerks office fax number to fax it to and the form that the clerks office require for XXXX ( XXXX ). All calls have resulted in being given the same empty answer. That it would take 3-5 business days from the date of initial request. It has over been double that amount of time and the lien release form has still not been faxed to the county clerks office in XXXX XXXXXXXX XXXX where the vehicle title is registered. Also attached is the form they require from the lien holder, Hyundai in this case. Hyundai is holding a security interest on a vehicle they have legal right to. This vehicle is paid in full and has been for over one year, yet the lien has not been released. The company doesnt seem to understand or care about this issue. My vehicle has a total value of roughly {$11000.00} per XXXX. This is the amount Im unable to sell my vehicle for because Hyundai refuses to release the lien on a paid in full vehicle.
|
| 05/16/2018 |
No |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
On XX/XX/2018 I sold my car to XXXX XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when a different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting on XX/XX/2018 I sold my car to XXXX XXXX XXXX XXXX for {$12000.00} and started a lease contract on a new vehicle our agreement was that they would cut me a check within 10 business days for {$3000.00} when I did not receive the check I contacted the manager and they kept telling me that it was waiting at the XXXX dealership and that they would go pick it up for me and bring it and call me when it was there this went on for a month and a half when I different manager told me that I was not getting the check that I was not entitled to it and that was not the agreement I am submitting A copy of the statement that shows that they were supposed to give me the checkThey owe me {$3000.00} and I feel like I have been lied to and swindled I am an elder person XXXX years old
|
| 11/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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Hello, in XX/XX/XXXX, my XX/XX/XXXX XXXX XXXX financed by XXXX XXXX XXXX was repossessed without earning or prior notice to tell me I had outstanding fees. I paid to have the loan reinstated which I was told included repo fees as well as paid the repo lot for my car. XXXX XXXX XXXX knew I was currently refinancing my car with another company. In XX/XX/XXXX, my refinance company got a hold of them and got the full amount owed and sent a check. XXXX lost this check for 2 weeks while I called incessantly with the tracking number and being told they didnt recieve it. Finally they found it and it was applied to my account. When it was applied, I recieved a paid in full notice. I called twice to make sure i would owe nothing else and was told nothing was owed and i was free from XXXX. This month, XX/XX/XXXX and 9 months after refinancing, XXXX is sending me a bill for XXXX claiming they sent many letters and threatening to come after payment any way possible. This is NOT a tax bill and i was told I paid all fees due after asking MANY times. I called and they insist i pay them and say they didnt see i owed it til XX/XX/XXXX. Yet in XX/XX/XXXX ( 2 months later ) they reported my account as closed to the creditors. Please see attachments. This amount was paid in full and after all these people put me through i refuse to pay or take thier threats.
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| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a vehicle from XXXX XXXX in XXXX of XXXX and signed a purchase agreement with me as the buyer and XXXX the seller of the vehicle which is a XXXX XXXX once we were done with the agreement I was given the vehicle with out the title keep in mind that a purchase agreement is a security by legal definition which means that it can be sold, transferred and cashed when properly endorsed for payment in full for face value, but for some reason they have been collecting a debt from me because at point I didn't know that I was the originator of the funds at that time, also keep in mind that they state that I have an account open with them and I never agreed to an account being opened which is a form identity theft. I called pertaining to the account and asked them who the original creditor on file to which they informed me that I was in fact the original creditor. Further more I asked that they send me the title of the vehicle to which they have yet to do which they do not have a XXXX public financing statement to. I also sent a cease and desist communication alongside of submitting an identity theft report with the FTC. I myself have filed a XXXX financing statement proving that I am indeed the sole owner of the vehicle with approval of the secretary of state of Georgia. I would really appreciate the start of a thorough investigation.
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| 07/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with signing the paperwork
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Web |
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We went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to purchased XXXX XXXX. My husband communicated with salesman and sale manager XXXX before we head down there but once we got there, they told us they dont have the car. We drove 75 miles on their word they have the car on the lot! Salesman, XXXX, was very nice and helpful so we thought we will give it a chance even though they dont have the car. They promised the car by Monday XXXX the lastest but that never happened. They also overcharged us by {$1000.00} but we caught it after we got home. I reached out to XXXX but didnt hear back from him with straight answer and not within a timely manner. We wait until last Friday and the dealership still not reach out to us. We got tired of waiting for them so we went to another dealership and found out that XXXX XXXX already submitted our paperwork to Kia Motors Finance to fund a car that they never even provided! They never provided us a car but already take fund under our name. We were told when we signed paper work with them that this is not final and will not submit until they have the car. We reached out to Kia finance and they were not helpful. They said to contact XXXX XXXX directly. This is extremely disappointing. How could north Kia get the fund for the car that they havent provided us. We would really need help. Please
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| 07/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I reached out to KIA Finance to see if they could change my due date. They informed me that they had processed a due date change in XX/XX/2021 and that I was only allowed one per calendar year. If that were true I am only 13 days from eligibility, but would have to submit late payment once again to process the change. I told them I understood that but has no control over how and when my household get paid and we are having to use all 10 days grace plus a few days in order to submit payment. This does not make us more than 30 days late for credit reporting purposes but it does incur feeds and the collection phone calls are unrelenting, late in the evening and also multiple times a day. I have never broken a promise to pay, and have also set up payments online in advance and they still will call nonstop. I am positive that once I tell them or promise to pay they must stop calling unless I break the agreement which I never have. I also asked for a month 's deferment if they would not change the date so at least we could have time to set the payment aside, they refused. The manager I spoke with was condescending and seemed to think that there was no issue. I am exhausted from trying to get any help, KIA seems to be very non-responsive and I am regretting ever financing with them if this is how they treat customers that reach out for help.
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| 08/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I financed a XXXX XXXX XXXX through Hyundai Motor Finance in XX/XX/XXXX. The total amount financed was {$11000.00} USD. My first payment was due on XX/XX/XXXX. The minimum payment is {$190.00}. Hyundai Motor Finance refused to apply my {$150.00} in overpayments to the principal balance. After repeated attempts beginning XX/XX/XXXX, of calling Hyundai to resolve the payment application, I recognized Hyundai Motor Finances unwillingness to help and decided to refinance with another lender.
On XX/XX/XXXX, I attained a ten-day payoff quote to close the loan I have with Hyundai Motor Finance. The amount of the quote is {$10000.00}. A check arrived on XX/XX/XXXX, for the exact payoff amount of the payoff quote at the address stated on the letter. Hyundai then inexplicitly changed the terms of my loan from 60 months to 61 months and appears to have lost my payments somewhere in their system. After I paid the payoff quote and all my monthly payments and additional payments, Hyundai Motor Finance is claiming I still owe {$160.00}. I made repeated calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to resolve the issue. Hyundai Motor Finance continues to ignore the clear and obvious evidence and refuses to acknowledge the error in their system. Each time I call, I get advised to call back in 5-7 business days, even though it has been twelve days.
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| 11/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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this letter was sent certified 2 months ago and no response yet?
they just reported my account as settled which is not correct- Hyundai Motor Finance XXXX customer service XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX acct # XXXX To whom it may concern, I would like to file a credit dispute- I agree I have a balance due, however, I do not agree with the bills you sent me.
I actually have only received one itemized bill dated XX/XX/XXXX for {$4600.00}.
That was reconfirmed during my phone call with your call center and also in the email they sent me on XXXX XXXX XXXX pm.
I received a second notification ( not a detailed bill ) on XXXX XXXX for {$3700.00}.
I received another letter dated XXXX XXXX requesting {$2600.00}.
XXXX XXXX resolution letter- I have been in discussions with your lease end department and was waiting to hear back and to receive a corrected itemized bill which as of today ( XX/XX/XXXX ) I still not have received.
I just received a notice that you filed a 30 day late payment to the credit bureaus.
I am in the process of trying to get a mortgage and you just destroyed my credit.
Please review my taped phone conversations on XX/XX/XXXX and XX/XX/XXXX with your employees.
I have my notes and intend to seek legal guidance.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
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| 11/12/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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Over the past month I've been trying to have fraudulent property tax payments removed from the final balance of my lease pay off. When I leased the car I lived in XXXX XXXX, a year later when I moved I updated the vehicle registration information with both the Dept of motor vehicle and Hyundai Finance. Over the past few years I've been paying taxes on the lease in the county I moved to- XXXX XXXX and that's the Cty Hyuandai finance has been charging me. However, for some reason the month before my lease ended, they added taxes from XXXX XXXX Cty-XXXX to my account and stated I owe these fees. Keep in mind I've been paying the property taxes with Hyundai for XXXX Cty over the past years, which proves they have my updated property tax information. I've contacted Hyundai finance several times and each time they state they haven't received any verifying information from me and the Hyundai finance tax department hasn't uploaded the verifying faxed documents I submitted to clear this up. Hyundai states they have no other means for me to send this information and still claim they aren't receiving my faxex although I have receipts. I'm reporting this because I've tried and failed to resolve this with them. Hoping you all can speed up the process. Please let me know if you need further information from me/documents for verification. Thanks.
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| 09/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, XXXX XXXX reported my auto loan as being in a charged off status to the credit bureaus! When in fact my account is and was current and actually due for the XX/XX/XXXX payment at that time. I called XXXX right away when my mortgage company advised me of this on XX/XX/XXXX. The representative opened a claim for me, stated they fixed the error and that this was their mistake. Today, XX/XX/XXXX myself and my mortgage representative called to see if we could get a letter of resolve and the representative told us that they had no record of my call and no claim was ever filed! We were then transferred to a supervisor. At this point the supervisor stated that the account was current and they would start a dispute with the credit bureaus to fix this but it would take up to 45 days to be corrected. I told them that I was set to close on XX/XX/XXXX and that this was not acceptable, especially since this was their error. She stated that they could not provide any type of letter confirming the mistake and that the account was not charged off and current. This is going to cost me my home and my deposit if I do not have this corrected by the XX/XX/XXXX ( 24 hours prior to closing ). The builder stated I would be in breach of my contract. I am only in breach because of this horrible error that XXXX has made and will not fix promptly.
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| 04/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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Vehicle loan # XXXX I refinanced my vehicle with my local bank in which a check for over XXXX was mailed off on XX/XX/XXXX. I called serveral times, for Kia Motors finance to tell me it was never received. I was informed on XX/XX/XXXX by KMF to stop pay and issue a new check. My original payment was due on XX/XX/XXXX so to avoid any negative impact on my credit I made my regular payment. A new check was mailed off and received by KMF. I was informed by my bank XXXX XXXX that the check was cleared and cashed in XX/XX/XXXX. I called KMF to confirm. They informed me it would fake 3-4 days for processing to take place and I could expect a letter for the payoff. I called two week later and spoke with 3 different managers to be told that payment was not applied and again it would take 3-4 days for the payoff and a letter would be generated. I received a letter from XXXX XXXX stating the title has not been received and I have 90 days to submit from the date of my loan which is XX/XX/XXXX. I called KMF again on XX/XX/XXXX to be told the same information payment has not been applied and they would submit another request.
They have yet to report any payment to the credit bureaus. In fact they added on to my original loan amount. I cant seem to get anywhere with this company in doing what needs to be done. They are doing unfair practices.
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| 06/15/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Due to Covid-19 & the hardship of my income being depleted unexpectedly, I contacted Kia Finance toextension.
payments extended. I was told I would have up to 3 months to extend, but would have to call in every month around the same date to do the extension. They approved me for XXXX & XXXX with little hesitation, but when I called in for the XXXX payment extension, they flat out denied my request. I reminded them that they initially told me I could utilize XXXX for disaster relief, but they said they were no longer offering it, & will not honor the XXXX month extension, even though not all businesses are up and running. I explained that I really needed this last extension, because I have budgeted everything I need too take care of for XXXX based on extending their XXXX payment. I will not have enough money this month to pay the car & insurance payment, because I had already extended the insurance to the limit.
Kia is now acting heartless toward my situation. They don't consider I previously completed a 3 1/2 years lease at the beginning of this year with no problem, always paid on time or before the end of grace period & never missed a payment. I continue to have very good credit & do not want to destroy it by turning in the car over needing the one extra month granted they initially stated, but they are leaving me mo choice.
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| 04/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I have been current with my car lease payments ( XXXX ) up to this month XX/XX/2020. This month due to the coronavirus pandemic I have suffered a loss of income. This will make it impossible to continue to be up to date on my payments. I contacted Hyundai Motor Finance on XX/XX/2020 before my XXXX payment was due ( XX/XX/2020 ). I asked the representative for a forbearance plan in accordance of what they advertised they were doing for their customers. In giving my information, I was asked if I suffered a partial or total loss of income to which I stated a partial loss. I was immediately told I didn't qualify that they were only approving total losses. I feel they are using discriminatory tactics to avoid helping customers. I don't believe that any where in Federal government guidelines ( about forbearance during the coronavirus crisis ) does it state that customer 's loss of income should be based on total or partial loss. Additionally I believe that Hyundai does not mention it in their advertisement. I have also filed a complaint with Hyundai vial email today. Since they have not allowed me to set up any type of forbearance plan and today ( XX/XX/2020 ) is past my payment due date my credit report will show I am delinquent on my loan payment. Hyundai has placed a financial burden on me and negatively affected my credit rating..
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| 01/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I turned a XXXX XXXX XXXX in early ( 6 months prior to end of term)XXXX XXXX XXXX instructed me to bring the car to a dealer and I would be billed. Under CA law I was told I would be liable for the remaining payments, disposition fee and wear and tear. I turned the car into a local dealer on XX/XX/XXXX. IN XX/XX/XXXX I recieved a bill for $XXXX with a due date of XX/XX/XXXX. IN XX/XX/XXXX XXXX said I could have an additional 30 days to make the payment if I wantedIn XX/XX/XXXX I made the payment to XXXX in full. Several days after the payment was made I I received a credit alert that my score had dropped, and the culprit was a "late payment" reported by XXXX for XX/XX/XXXX. The XX/XX/XXXX payment wasnt made because the car was turned in and my instx from XXXX were to wait for a final bill. disputed the late payment with all 3 bureaus and the result was that XXXX removed the XX/XX/XXXX late payment and changed it to an XX/XX/XXXX late payment. I have not been able to resolve this with XXXX and after disputing with XXXX all I got was a chnage of a late payment from XX/XX/XXXX to XX/XX/XXXX. I have never missed a payment in my life and on my report it is the only late payment out of a total of over 650 reported payments. At this point I dont know what to do and I understand this inaccurate blemish will stay with me for 7 years
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| 01/25/2024 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We have called the Kia Leasing Department several times to request this form and we have been very specific that it needs to have the DO NOT MAIL water mark on the form. The Illinois Secretary of State requires this water mark as proof that sales taxes have been paid so the car can be retitled in our name and that we can properly register and plate the car. We purchased this car on XX/XX/XXXX and as of XX/XX/XXXX we have not received the appropriate form in spite of numerous requests on our part. As a result, we can not retitle the car and can not update registration and get new plates. No one from KIA seems to know how to resolve this and every time we call we have to start from square one and deal with a different person. We have spent hours on hold, have been hung up on, lied to and we have escalated to supervisors on 3 separate occasions without resolution. Since KIA has leased and sold cars in Illinois for as long as I can remember, I find it unbelievable that they do not have a documented process that they follow. It should not be on the consumer to follow up to get the proper documentation. We met our contractual agreement to lease and purchase the car and we expect the same from KIA. A buyout at the end of a lease should be a core business process and the level of incompetence and apathy we have experienced is stunning.
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| 11/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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XXXX over-inflated lease-end buyout figures outside of the terms of the XXXX lease and XXXX extension agreements. Failing to provide a written breakdown of the accounting and by only recognizing only XXXX of XXXX lease extension payments at lease end and at time of purchase has caused damage and created excessive fees associated with my purchase.
Per XXXX of XXXX XXXX and paragraph XXXX of Extensions Contracts ( attached ), the contracted lease-end buyout residual value is {$18000.00}. XXXX extension contract states all XXXX payments ( not including tax ) totaling {$2100.00} to be deducted from residual value for a net buyout amount of {$16000.00} plus 8.5 % tax for a total of {$18000.00}. XXXX 's XX/XX/XXXX Bill of Sale states net buyout is {$17000.00} which excludes XXXX lease extension payments ( {$17000.00} - {$16000.00} = {$360.00} ) XXXX payment history and my final lease payment attached confirm XXXX lease extension payments received but not deducted when asked to provide updated residual buyout figure and purchase in accordance with lease extension agreement.
By not deducting all XXXX lease payments while lease was active and afterwards during allowance period, XXXX over-inflated the pre-agreed to residual value and set off a string of errors at lease buyout and purchase which has caused considerable damage and harm.
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| 10/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Dear Hyundai Motor Finance I, the consumer and natural person, was denied credit by Hyundai Motor Finance l when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Hyundai Motor Finance due to the response I received. Hyundai Motor Finance is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Hyundai Motor Finance. If Hyundai Motor Finance fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Hyundai Motor Finance criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
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| 03/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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From XX/XX/XXXX I leased a vehicle from KIA dealership and returned it back on XX/XX/XXXX and exchanged into new one. Made 19 months payment in amount of {$510.00} towards the previous vehicle on time and account should had closed by KIA dealership on XX/XX/XXXX. However, KIA Financial Ser is still making me responsible for the rest of amount XXXX which should have already paid off by KIA dealership as of XX/XX/XXXX, but it seems to me the account is not closed because KIA Fin Ser is keep calling me and ruining my credit scores drastically while I am paying for new vehicle leased from KIA. Is this the way KIA and Dealership are treating their customers by placing them at risk and ruining their credit scores? When I call to dealership they are not responding appropriately or hanging up on me, saying that previous account is closed and paid off by check which they had already released to KIA Fin Ser, but KIA Fin Ser is keep calling me. A member of account specialist from KIA telling me having the dealership manager/supervisor should contact the KIA Fin Cer but he is ignoring me saying " he doesn't anything to call them '' because released a check to close the account, if so why they playing around. Due to being irresponsibility of both parties my Credit Score is being ruined and effecting to my life during the pandemic years.
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| 05/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, On XX/XX/2020, my car was T-boned and declared a total loss. Everything is covered by insurance but the problem with Hyundai Motor Finance " www.hmfusa.com '' they are not updating the information on the account and I'm forced to make payments at every beginning of the month {$370.00} lease amount and if I don't pay it becomes past due and affects my credit score. My insurance requested a letter a guarantee and nobody responded since XXXX. My insurance tried to reach them on numerous occasions with no callback or response from HMFUSA. I am thus forced to pay monthly payments for a vehicle that I do not own anymore and that is not being paid off due to HMFUSAs failure to get this issue resolved. It is my understanding that HMFUSA is delaying the payoff on purpose to obtain more money from me rather than apply my gap insurance. HMFUSA is taking advantage of the pandemic, myself, and is acting in bad faith. On XX/XX/2020, I received a confirmation letter from Hyundai Finance that my " insurance company notified Hyundai Motor Finance that your vehicle was deemed a total loss. '' Since then for las couple of months I, my attorney and my insurance company trying to reach the HMFUSA but the company is not responding. I did email then with the request to update the information on my account and nobody is responding as well.
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| 07/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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Wife and I are XXXX XXXX military and both received orders from Texas to XXXX. We have two vehicles financed through Kia Financed. We requested permission to ship vehicles to XXXX XXXX XXXX for the duration of our assignment ( 3 years ). Immediately we ran into issues with customer service giving us bad information. We were told to send approximetly 10 documents to include their Vehicle Transport Checklist with our miltiary orders, insurance, etc ... However, they lost the documents on three occassions, and gave us incorrect fax numbers for submission of three occassions. We were able to get one vehicle shipped through pure luck. However, the other vehicle is in XXXX at a storage facility as we can't legally ship untily they give the approval. I called them again a few days ago and the customer services rep was unable to give me any information on the where the approval letter is or what we need to do for approval. At the end of the day we have one vehicle sitting in XXXX, and we're renting a vehicle in XXXX to get to and from work while serving an assignment in XXXX. Kia is horrible at getting us answers. The office responisble in processing the application has no ability to receive calls form the customer, and more concerning, is the customer service rep we do call at KIA, is unable to cal them or message them as well.
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| 12/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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XXXX XXXX XXXX. VIN XXXX. Purchased XX/XX/XXXX. Financed with XXXX. XXXX has been paid off. I am unable to get a title because Florida DMV indicates there is still a lien on the vehicle. I have called Hyundai Finance and they have admitted that the loan is paid off, but they refuse to send me the lien release information. They also will not contact Florida DMV and inform them that the loan is paid and the lien is released. I have called Hyundai 5 times in the past 3 weeks. I have spoken with a supervisor named XXXX and a senior supervisor named XXXX. XXXX claimed he was as high up as you can go. XXXX said I would need to contact DMV. I explained to XXXX more than once that DMV will not help because their records indicate Hyundai still has a lien on the vehicle. I also contacted Hyundai Customer Care. I provided a detailed description of my situation and Hyundai Finances lack of cooperation. After two days, Hyundai Customer Care said I should contact Hyundai Finance. Obviously, they did not read my email in its entirety. Receiving the title is critical as I traded the car in and the dealer wants the title. If I can not produce the title within the next week I will have to pick up the vehicle and write a check for the trade in amount.
I have attached a screenshot from the Florida DMV showing an active lien on the vehicle.
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| 11/15/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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At the end of our lease new car lease financed with Hyundai Finance we decided to purchase the car. I called for payoff amount and instructions and I was given inconsistent amounts and was told I would need to have the dealer inspect the car even though we were buying it ourselves. Once I confirmed that no inspection was needed and obtained the correct payoff amount I paid the full payoff amount prior to XX/XX/20. The following month I received a call from the company requesting a payment for XXXX. I told them I was expecting the title because I paid off the loan. They put me on hold and confirmed that the payoff had been received. I wanted assurance that my credit rating wouldnt be affected and they said I would need to call the payoff department because if it was affected it was their error. When the title didnt arrive after two months my husband called and was told they sent the title to a wrong address in early XXXX. Since the address they allegedly used doesnt exist and it is different from the address theyd used for our lease bill for three years they should have recognized the error long before we called but they were unapologetic. They promised wed receive the title in 14 days. We received nothing after three weeks and he called back and was told we would receive the title in 10 days. That time has come and gone.
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| 06/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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In the payout of my car, previously leased, the sales taxes were included. I went to the DMV, immediately after receiving the title in the mail on XX/XX/2022. At the DMV office, I was informed by the clerical officer that I have to pay the sales taxes as the XXXX DMV received no payment from Kia Finance XXXX.
I asked the clerical to research again because the taxes were paid to, and collected by Kia Finance XXXX and included in the final paid out.
After research, The DMV told me there is no evidence of the payment.
At the DMV, I had to pay the sales taxes again to get my title, and my registration card because Kia finance failed to forward the tax payment collected from me to the California DMV.
I contacted Kia finance immediately, same-day on XX/XX/2022, and the customer service create a case with the reference number XXXX, They asked me to wait for 5 days to receive an answer, I called again on XX/XX/2022, and the customer service provide no answers.
On XX/XX/2022, I contacted Kia XXXX and received case number XXXX.
On XX/XX/2022, I received an email from Kia XXXX to let me know that I have to contact Kia Finance to resolve this issue.
Kia Finance is not giving me any answers.
Kia Finance has to reimburse me the tax sales fees that they collected from me and didn't pay to the DMV of the state of California.
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| 06/06/2021 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On Sunday XX/XX/XXXX at around XXXX XXXX XXXX XXXX from Kia Motor Finance called me the consumer/creditor per 15 USC 1692 ( a ) 3 1692 a ( 4 ) in an attempt to collect an alleged debt of {$630.00} for a XXXX XXXX XXXX Upon the initial phone call the agent was vague in her nature of the call and failed to immediately identify why she was calling and what she was calling in reference to. After informing the agent that I am the creditor per 15 USC 1692 ( a ) 4 and authorized representative for the account in question, XXXX XXXX became combative and irate telling me that what I was stating was not the case and that by " law '' she had every right to contact me and would continue to do so. This call was made to me as the consumer after XXXX XXXX located at XXXX XXXX XXXX, XXXX NC, XXXX received a notarized Notice of rescission per 15 USC 1635 along with a a certificate of service via Certified US Postal Mail number XXXX XXXX XXXX XXXX XXXX which was received by the seller XXXX XXXX on XX/XX/XXXX as evidenced by the tracking number. I am seeking damages from KIA MOTOR FINANCE for the following Consumer violations under Title 15 : 1692 c ( a ) ( 1 ) 1692 d 1692 d ( 2 ) 1692 d ( 6 ) 1692 e 1692 e ( 10 ) 1692 e ( 13 ) 1692 f 1692 f ( 1 ) 1692 g ( a ) ( 2 ) 1692 g ( a ) ( 3 ) 1692 g ( a ) ( 4 ) 1692 g ( a ) ( 5 ) 1692 g ( b )
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| 11/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American, Servicemember |
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The chronology of my issues with Hyundai Motor Finance are as follows : XX/XX/20 sent a pay-off check for my vehicle via Next Day Mail XX/XX/20 the check was cashed XX/XX/20 made the first inquiry as to the status of my Vehicle Title and was told that is was an Electronic Title that needed to be transmitted to California XXXX but that had yet to occur. A commitment was made that the Title Dept would be notified and my document would be expedited.
XX/XX/20 followed up on the title status and was told exactly what I was told a week prior. The document had still not been transferred. I requested a supervisor. For a third time the supervisor gave the same response. the Title Dept will be notified to expedite your document I was also advised by the supervisor that she could only communicate with the Title Dept via email and it would take five days to get back a response!
Recapping, a customer has called three times for help getting their title document and the Customer Service Representatives who are there to help can only communicate via email with another Dept. who then takes 5 days to get back with an answer. Meanwhile, I cant sell my vehicle without a title and I have to continue to pay insurance on it.
This is undoubtedly the worst Customer Service organization I have ever had the displeasure of being involved with.
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| 03/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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|
Web |
Older American |
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My wife & I jointly purchased a new, XX/XX/2015 XXXX, using cash, our trade-in, and a loan of {$5000.00} from XXXX Finance -- the loan being required by XXXX in order to receive a {$1000.00} rebate. We asked that title be issued jointly, with right of survivorship, i.e., 'WROS ' appearing after each of our names on the title. Such titling is an estate-planning tool prescribed in the Ohio XXXX XXXX XXXX XXXX website regarding vehicle titling. The XXXX dealer 's Finance Manager refused, saying that XXXX Motors Finance did not allow such modifications to the buyers ' names. We replied that XXXX statutory law gave us that entitlement, and gave him a copy of XXXX Revised Code 2131.12, the applicable statute. After checking with his counterparts and confirming his position, the Finance Manager promised to check with supervisors at XXXX Motors Finance the next day. When we followed-up, the Finance Manager said he had checked as promised, and reiterated the refusal.
Upon contacting the XXXX Attorney General 's Complaint Department, we were told they had no jurisdiction, and referred us to the Comptroller of the Currency @ XXXX. That Office, in turn, said they had no jurisdiction, since XXXX Motors Finance was neither a bank nor a credit union, and referred us to the Federal Trade Commission, which referred us to this website.
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| 01/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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This is in reference to complaint number XXXX that was closed before my problem had been resolved. I received the title, that I had been waiting on since XX/XX/XXXX, from Hyundai Motor Finance but their title department recorded the wrong mileage on the title. So I called them on XX/XX/XXXX, when I finally received the title, to let them know that I now need an affidavit of correction for their error of the mileage. I was told it would take 3 to 5 business days. I have now been waiting XXXX business days and they just told me it is still in process. I have spoken to three or four supervisors and they tell me it's been escalated. But I'm still waiting on the affidavit. In the mean time we have retailed this car to another customer and still can not get Hyundai Motor Finance to resolve this issue. I have been lied to countless times and my issue still has not been resolved. Until I get an affidavit of correction for the mileage on their letterhead this issue is still pending. I paid off the vehicle back on XX/XX/XXXX, received the title XX/XX/XXXX with a mileage error recorded on the title by Hyundai Motor Finance. And we still can not process the sold vehicle because Hyundai Motor Finance can not do the right thing and escalate and resolve this problem. We just need someone to type an affidavit and XXXX it, that's it.
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| 10/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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Hyundai Finance is not providing the title information to the appropriate agency so that I can register the vehicle in my new home state of XXXX. I was previously in XXXX. This is a particularly time sensitive issue because I am not able to obtain a parking permit to park on the street until I have XXXX tags on my vehicle. I first submitted the request and appropriate information on XX/XX/2022. They said that it would take 10 business days to get the information to the appropriate agency in XXXX. I followed up again on XX/XX/2022, and they stated it was in progress. I contacted them again on XX/XX/2022 again stating it was in progress and takes 10 business days, but that it didn't get entered into the system until XX/XX/XXXX. I reiterated that the request was submitted per Hyundai Finance secure email on XX/XX/XXXX and that it needed to happen asap so I can obtain my parking permit. I called once again on XX/XX/2022 at which point the call was forwarded to a manager, and they said they would try to get it done as soon as possible. As of Friday, XX/XX/2022, the title information still had not been received by the appropriate agency in XXXX. This is truly unacceptable in general. I will now have to pay XXXX XXXXday to park in a garage because I don't have any more temporary parking permits available to me until XXXX.
|
| 11/01/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Debt was paid in full XX/XX/XXXX and car was PAID OFF, yet Hyundai Motor Finance is still holding the title to the vehicle. I have contacted them MULTIPLE times about having the title released and as of today XX/XX/XXXX, the title STILL has not been released after multiple phone calls and assurances that they were releasing and mailing me the title. Every time I call they have some new form I need to submit which was not spoken of the numerous other times I 've called. I 've complied with their requests every time. The last time I called was XX/XX/XXXX and I was assured then that title was being mailed out after I sent them the odometer reading which was sent. Today when I called they told me I now need to send them a " Bill of Sale '' which I do n't have and had never heard I needed before today. I am trying to sell the vehicle and can not do so until I have the clear title.
In addition to this issue, every time I call I have to go through customer service and sit on hold for over a half an hour before I get to speak to someone. Then once I get to a representative, I am put on hold multiple times while they " research '' the account. Each call usually takes an hour or more. I need a direct point of contact. I have asked to speak with the title department directly but " they do n't receive calls from consumers. ''
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| 01/17/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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|
The consumer and Dealer entered into a financial agreement XX/XX/ finance personnel lied about down-payment on security agreement. Consumer was instructed to defraud KIA FINANCE AMERICA if the bank called inquiring about the down payment amount. The total amount put down was {$400.00} which was paid by card. On the security agreement it reports {$6200.00}. I reported this to the financial institution The supervisor was XXXX XXXX This was reported to the dealer and the finance company. The securities fraud being done at KIA FINANCE AMERICA is also being reported to the Securities Exchange Commission as well the Attorney General, The Department of Highway and motor vehicles and a few other larger entities As a bondholder, am asking for assistance with on how to redeem the bond, so that it will reflect on the acct. Still no answers. As part as the financial agreement, KIA FINANCE AMERICA issues the consumer a bond statement and a coupon note issue These are recognized as negotiable instruments under ucc article 3.
If such a coupon is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in the Uniform Commercial Code, the debt is either considered satisfied or nullified. By not acknowledging the consumers complaint then KIA FINANCE AMERICA benefits from the consumer debt securities.
|
| 05/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I purchased a new XXXX last XXXX, which went into the shop the following day for warranty issues, where it stayed for months, and ended up being a lemon. The process took far longer than they said it would, and I continued to make payments on my car loan to stay current. After the process was finally completed, they paid off my car loan, which was through XXXX XXXX, also know as Hyundai Finance, with an overpayment in the amount of just under {$4000.00}. I called after three weeks went by and hadn't received anything, and they told me it could take up to 6 weeks. I don't understand how processing a refund could take XXXX weeks, but I waited the addition three weeks and called back, and they still had not processed anything. I waited a seventh week and called back again, and they still had not processed anything. I asked them if they would be paying me interest on my money that they are holding, and they said no, which is wholly unfair, since I had to pay them interest to borrow their money. It is almost 8 weeks now, and they still have not processed my refund. If there is no regulation requiring them to process refunds in a timely manner, I would be shocked, and there should be. Hyundai needs to stop stringing me along and pay me the money sitting in my account, which was paid above what was owed on the vehicle.
|
| 02/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
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I have traded in my XX/XX/XXXX Hyundai XXXX for a XX/XX/XXXX Hyundai XXXX in XX/XX/XXXX. Before the payoff process was completed an extra payment was submitted to my XX/XX/XXXX Hyundai Finance Account on XX/XX/XXXX During the last XXXX months I have called up Hyundai Motor Finance XXXX times and they have been promising me to send my refund check asap, which I have n't received till now. It has been extremely frustrating and I am not sure who could help me out since the the Hyundai Finance Customer Service XXXX are the one 's who are supposed to help me, but in this case have failed to their job.If a consumer/customer like me do n't make loan payments, a financial institution would be charging us with extra fees, but there is no justice for consumers like us when a financial institution fails to pay us back. The last call I have made to the Hyundai Finance Customer Service was on XX/XX/XXXXThe customer service representative has told be that they have sent the check on XXXX. The representative also told me that it usually takes just XXXX business days to get the mail, which I have n't. Typically I would have waited for it, but this issue has been unresolved for the past couple of months and I am extremely tired and disappointed with the service of Hyundai Motor Finance that it could n't handle such a petty case.
|
| 12/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
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I went to XXXX XXXX XXXX car dealership Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX XX/XX/2019 with a guarantee of an approval a XXXX XXXX XXXX. I asked them if I could bring my credit report and let the banks run my credit. They agreed. I told them I needed to stay under a price range of {$20000.00}. The pressured me into test driving a XXXX XXXX. I did asked the price they said under {$20000.00}. when it came to paper work to see if I could get the finance. The price changed from XXXX to XXXX and the sticker price was not on the car I test drove. I was told there was a rebate but was not shown the rebate price but eventually when they wrote out the figures they stated my car cost would be XXXX. I was also told I didn't need a down payment and could use rebate as the down payment. They ran my credit said they had good news and said the bank tried to call my phone number in order to get approved. It confused me and i said how is that good news? Then they pressured me if i could get a co signer and confused me more. I bought my first XXXX from them no problem whatsoever and my crdit score was much lower than it was. Not sure what is going on now I have all these inquiries on my credit and it lowered my score. They lied from the very beginning..Wasted my time and made me late for work
|
| 06/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I bought out my lease from Hyundai on XX/XX/XXXX. Hyundais website stated I would receive the title within 20 days business days. After 25 days on XX/XX/XXXX, I called Hyundai to inquire about the title and was told it shipped out on XX/XX/XXXX. I called back on XX/XX/XXXX and was told it was returned to Hyundai as undeliverable on XX/XX/XXXX. When I asked what address it was sent to the Hyundai rep told me my street address but a different city and zip code. I have had the same address in their system for 10 years. I called back on XXXX and XX/XX/XXXX and was given the same wrong address answer with no change to correct the address or escalate my issue, each time they gave an additional 10 day window. I called on XX/XX/XXXX spoke to a supervisor who said he could see I had called but no action had been taken. He also said he was escalating to his manager and that it would take another 3 to 5 business days for that request to process before the title would be sent and then we would need to wait an additional 10 days for it to be delivered. It has now been 46 days or 32 business days since we purchased the vehicle and still the title has not been sent and it has been 8 days since it was apparently returned and Hyundai has made no effort to resend the title. This new 13 to 15 day process window is unacceptable.
|
| 03/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I purchased a XXXX XXXX XXXX on XX/XX/2021. The dealership ( XXXX XXXX XXXX XXXX, KY ) offered me a {$500.00} sticker price reduction if I secured a {$10000.00} loan from Hyundai Motor Finance XXXX I received approval for the loan.
I received a letter from Hyundai Motor Finance on XX/XX/2021, stating their records show the retail installment contract is paid in full. The original title certificate and XXXX release was enclosed. The letter instructed me to take the documents to my state 's motor vehicle division and apply for a new title certificate.
I took the documents to the XXXX XXXX XXXX in XXXX XXXX Kentucky. The clerk told me Hyundai Finance sent me a XXXX release document with the incorrect file number and the incorrect file date.
I have documented XXXX calls to Hyundai Finance on XX/XX/XXXX, XX/XX/XXXX of 2021, and on XX/XX/XXXX and XX/XX/XXXX. My notes include the name of the person I talked with as well as reference numbers for XXXX of the calls. I gave the correct file number and date to the customer service representatives but I have not received the corrected XXXX release document.
I also contacted the dealership. My sales rep has been very helpful but his outreach to XXXX has not been successful.
What are my options for receiving the correct XXXX release? I have waited for XXXX months.
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I came into the deanship for scheduled maintenance on XX/XX/21 and while waiting for my oil change. My daughter and I walked through the showroom as we always do to pass the time. We saw our sales guy ( XXXX ) and said hello. He came over and spoke to us and asked me had I seen the new XXXX XXXX. I said that I had not and asked if he had pictures. He said yes and shows me his phone. I asked him when they would be available and he said " soon ''. I said ok let me know and I'll come take a look. He leaves for a few minutes and comes back and said, " I think we have one in black '' I said oh ok and he leaves again. XXXX had a few customers he was dealing with so I did not see him again before we left. My car was ready so we left because 1. we were only there for an oil change and 2. we had reservations at XXXX XXXX at XXXX that day ( we were celebrating my daughters birthday ). While we are at XX/XX/XXXXI get a call from XXXX saying " I was able to get it done, but I'll call you back '' I was like get what done? He was like the black XXXX, I'll call you right back ; and hangs up. I was confused. As we are leaving XXXX XXXX I started getting a bunch of email notices that my credit had been pulled. I NEVER authorized XXXX or anyone else at XXXX XXXX XXXX to pull my credit, I was ONLY there to have my oil changed.
|
| 02/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
In XXXX I went to the car dealership, Hyundai motors, with my now ex-fiance we were trying to purchase a car. He did not qualify for the car based on credit. I originally told the salesman that I did not want my credit pulled by multiple companies and didn't think I should have qualified at all due to my XXXX and I already had a car payment. The next thing I know my credit was indeed run through several different companies and I am assuming I didn't get approved with any of the other companies. So they looked into in-house financing and said that got me approved. I felt really uneasy about this because I knew that the payment was extremely too high. The salesman kept applying pressure saying well your fiance can make the high payments and in a year you all just come back and we can do a refinance. I still felt uneasy about going through with this but the salesman kept reassuring me that this will be fine.
I really felt like this was predator lending because I should have never qualified for the loan and fact the salesman knew the payments were really high based on my XXXX and they never verified my income. On top of adding pressure on the vehicle. The Salesman should not be able to apply pressure on someone when they don't feel easy about a purchase and should have said to think about it and let me know.
|
| 03/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX in the late afternoon or early evening my boss took me to check out at ad for XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Telephone number is XXXX. I called before going and was told that some of the cars from the current ad where still there. When we arrived in a matter of minutes all the cars were gone so I picked another vehicle. I filled out the credit application and was told that I needed a co-signer ... or they would carry me with more down. I asked at that point if that would require another credit check? I was lied to. I was told not to worry that all inquiries are soft until approval then it would be more detailed at contract signing. I went home to get more money and in checking my credit report I discovered that their credit department ran my credit 5 times with agencies I never approved of. They even tried with my own bank without my permission. This tactic of lying, confusing and misleading advertising and marketing is high-pressure sales without concern for the consumer so now that I was deceived I refused to go back to XXXX XXXX XXXX with my {$3000.00}. Because I never bought the car from them now my credit report reflects a flat out denial when I could have bought the car. I called several times and nobody would come to the phone nor call me back ...!!!
|
| 09/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was involved in a non-fault accident that caused my car to be totaled. My insurance company paid Kia Motor Finance {$14000.00} in XXXX, which left me with a gap. In XXXX, the dealership canceled all my extended warranty in which they sent Kia Motor Finance a {$2500.00} check, which still left me a balance. I purchased the debt cancellation agreement on my contract with Kia Motor Finance, meaning if my insurance company doesn't pay the entire balance, XXXX will cover the difference. Kia Motor Finance continued to send me monthly statements via kmusa.com, which I made those payments while waiting for XXXX to pay the remaining balance off. Kia ends up charging my account off which is wrong.
Under the Truth Lending Act - Kia Motor Finance is violating - 1. ) 15 U.S Code 1605 ( a ) ( 5 ) - Premium or other charge for any guarantee or insurance protecting the creditor against the obligor 's default of other credit loss.
2. ) 15 U.S Code 1666b ( 4 ) - The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Federal Regulations - Creditors in the United States must charge-off installment loans after 120 days of delinquency. There are no late payments on this account or past due this account needs to be updated to be paid in full and closed.
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files.
If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX
|
| 09/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have leased a car from Hyundai Motor Finance. I called Hyundai Motor Finance in the second week of XX/XX/XXXX for my Title. I have changed state from XXXX to XXXX and in order to register my vehicle I need my title. I have contacted them several times and every time I have contacted them they told me a new story. Firstly they asked me to upload certain documents which I did. When nothing happened for a while I called them again and my call was transferred to a senior manger who was quite rude to me without any reason. He asked me to upload more documents which I did on the same date. Nothing happened again and therefore, I called them again. Now they asked me to upload the check. I specifically asked them whether I needed to do something more as I am in desperate need of the title. My registration will expire in a week. They said no this is enough. My registration expired and I didn't get the title. I called them again. Now they said I have to mail them the document. I talked to a senior manager again and he was pretty rude. I posted the documents to them and with the tracking number ( XXXX can see that the documents were received by them. Still no action. I am so done with the company right now. They have harassed me mentally and wasted so much of my time. I really need them to send my title asap.
|
| 06/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
Since XXXX, I have attempted to get the title in my name. The original title was in the name of my deceased sister. This would involve a state to state title change. I live in Illinois, my sister lived in Wisconsin.
On XX/XX/XXXX, Hyundai Motor Finance requested Wisconsin send them the title so they could do the name change. I spoke with the WISCONSIN DMV and they said they fulfilled the request on XX/XX/XXXX. Hyundai said they never received. I continued to follow up with XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX, I called the Wisconsin DMV and they said they couldnt do anything since there was a lien on the vehicle. They suggested I payoff the vehicle and Wisconsin could issue me the title once Hyundai removed the lien.
On XXXX, I sent Hyundai the payoff amount due via priority mail. On XXXX, the payoff amount was credited to my account. On XXXX, I received an email from Hyundai ( XXXX ) saying they are working to release the lien on the vehicles title. I have patiently waited since it appeared that it could take up to 20 days for the title to be released. As of today, XX/XX/XXXX, the state of Wisconsin still reflects a lien on the vehicle.
I am unable to register or sell the vehicle. This is my second complaint as it pertains to Hyundai and this vehicle.
|
| 04/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX Hyundai motor credit repossessed my car I had called them numerous times they had told me every time on the phone that my loan was closed and paid and I did not have a loan with Hyundai motor credit it was reported on all three of my credit reports that my loan was paid and closed try to call them about 20 times to find out how much I owe them and how to get my car back every time I call them they put me on hold and then hung up on me I never did get my personal possessions back cuz no one could tell me where my car was or how much I owed on it I got a letter saying they repossessed my car but would not give me how much I owe or when it would be sold and how much to get it back. Then I got a letter saying I owe them {$16000.00} and after they would sell my car I would owe them {$9000.00} and something it is no way I owe them {$16000.00} I've had my loan since XXXX and it was a XXXX XXXX I bought this car was illegally repossessedI am also writing the Federal trade commission and the attorney general of Floridawith copies of my credit report showing that closed my account in XX/XX/XXXX saying paid in full current I have enclosed a copy of my XX/XX/XXXX credit report showing that this account was closed and current and paid can provide copies of the other showing the same thing if needed
|
| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX Kia has given me a copy of my contract that is not signed by me which in the contract on the signature pages, it states that this contract is VOID if its missing two signatures, so there for there should not be an active loan nor contract. I have attached a copy of this contract that should have never been financed by the bank nor should i have paid any car notes and my " downpayment '' in cash which also violates the LEGAL LAW of 15 USC 1662 ( 2 ) which states no down payment can be advertised in the extension of consumer credit.
Also, the finance charge and contract violates the LEGAL LAW OF 15 U.S. Code 1605 - Determination of finance charge which states that the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) This is dealership fraud plus violation of my rights, credit profile and more
|
| 04/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
This is now my XXXX time filing a complaint. Military personnel are eligible for SCRA benefits starting on the date they receive active-duty orders. A refund for the difference paid in interest between the 4.77 % and 3 % was not sent to me for the entire time I have been XXXX XXXX. The refund amount only reflected from the time I submit the benefit claims. Therefore, the correct refund has not been awarded. I paid the car off XX/XX/XXXX, my SCRA benefits were approved in XX/XX/XXXX with this company. I've been XXXX XXXX since XX/XX/XXXX, therefore the refund amount should reflect the interest between 4.77 % and 3 % from XX/XX/XXXX, not XX/XX/XXXX! It's a {$78.00} difference per month as mentioned previously.
Every other company I have ever encounter has honored the policy, I do not understand why it took over a year ( after the car was paid off ) and a complaint for you all to respond.
Also, I requested to receive a new check for the previous refund because my bank, XXXX was not able to process the check through their ATM Deposit. I requested a new check over a month ago, and have been told multiple times that I would receive a check in the mail and have not received it as of today. Any other company would have sent the new check by now, however, I keep getting the run around, once again.
|
| 11/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased my car in XX/XX/XXXX and in XX/XX/XXXX went through a Chapter XXXX bankruptcy. I re-affirmed my car loan and have made every single payment not only on time but more then the minimum due. I have been a perfect Customer so when I went on line to make a payment and I could n't I contacted Hyundai Finance and was advised that they had blocked my on line access so I can no longer have auto pays or make one time payments on line. They stated that they did this b/c I had a discharged bankruptcy. Not only did I find that absolutely absurd seeing that this filing was almost XXXX years ago and they have accepted auto and online payments since then but then they also advised they terminated my online access at the end of last month with no notification. So my only option is to send in a payment ... who the heck does that anymore ... or to make one on the phone with the auto system for XXXX or with an agent for over 7 dollars. Seeing as my car payment is due today I had no other option then to do the auto over the phone option. The rude associate connected me to the auto line however it was for Kia. This is no way to treat a Customer who has made 100 % of their payments on time and more then the minimum due and on top of that to not send out any notification. I want my online access back!
|
| 12/13/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XX/XX/XXXX my wife and I had our XXXX Kia Optima was repossessed by Kia Financial, they violated the California Breach of Peace of Repossession law which is illegal by entering a gated and secured premises without property owner 's permission. We thought the car was stolen so we called our local police department and they told us that the car was picked up from some repossession towing company hired by Kia Financial and they provided the number to the towing company. We called because we still had our personal belongings left in the vehicle and the driver said we had to pay him a {$25.00} cleaning fee to get our stuff back. Which is illegal. We never received a post repossession notice and we do n't know if the sale of the car was commercially reasonable or how it was sold, but Kia is saying that we owe {$7500.00} for the balance on the car but they never sent us any information about the car stating this amount or any thing. We recently contacted Kia financial back in XX/XX/XXXX to try and resolve this matter and we requested the information about the car and what they said we owed, and the lady told us that she will send it by certified mail and we will receive it in a couple of days and to this date they have not sent anything to us, but she did try to get money from us for the balance.
|
| 12/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
Current date : XX/XX/2019. Had a car accident on XX/XX/XXXX. On XX/XX/XXXX, acquired email conformation that GAP company, assigned to me by car dealership, received all my requested documentation. On XX/XX/2019 the GAP company completed the adjudication process for the financial GAP benefit regarding the loss of the covered vehicle. During this whole time I was still required to make payments for my unpaid loan balance. XX/XX/XXXX, received email from car company that read " Weve received your payment of {$3000.00} '' ... Your payment was processed on XX/XX/2019. It may take up to 5-7 days for your payment to be reflected in your bank account. '' This amount of XXXX was more than I owed, which was currently around $ 1k. I have received one check for {$370.00} which is dated XX/XX/2019, and supposedly I am awaiting two other payment checks in the amounts of {$1200.00} and {$400.00}. I have called the Finance department several times and talked to several different employees and supervisors which informed me that they have submitted email inquiries to the payment department. I'm told that the checks are pending approval. Called again today, but seem to taking way more time then it should and getting really annoyed and frustrated with this and do not feel like my case is important to them.
|
| 12/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I leased a XXXX in XXXX and on XX/XX/XXXX the car was involved in an accident which resulted in a total loss. My insurance company sent {$41000.00} to Kia which shows in my payment history as received on XX/XX/XXXX but Kia has not applied the payment and continues to hold it in suspense. I have made numerous calls, probably ten or more trying to get them to apply the payment and they keep saying they need information from the insurance company, but the insurance company claims to have sent it on numerous occasions. I had also received a notice from Kia that I was no longer responsible for payments but their customer service software does not communicate with their total loss department software so I have been forced to continue to pay for a car which I do not have any more just to protect my credit. I have paid XXXX, XXXX and soon will be forced to pay XXXX. In addition, the insurance payment was an overpayment of more than {$7000.00} higher than the payoff and now with my continued payments Kia actually owes me over {$8000.00}. Every time a call I get a different person and a different story although today the agent admitted they were backed up 3-4 weeks. I could provide more detailed information if needed. Kia continues to act negligently, and they are unresponsive to fair requests.
|
| 09/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I sent an email ( internal to Hyundai Finance Website ) approximately a month ago warning them that they had scheduled a regular payment ( {$340.00} ) for XX/XX/XXXX though the remaining balance on loan was {$280.00} but they ignored it. On XX/XX/XXXX, Hyundai Finance debited my checking account {$340.00} by ACH transfer, that is an overpayment of {$60.00} on loan, I financed {$22000.00} at 0 % in XX/XX/XXXX, there is now {$22000.00} in payments. This overpayment is an unlawful conversion of funds, they were forewarned though it is not my responsibility to do their accounting, and I now wonder how many consumer accounts they are stealing from. I called ( XXXX ) this morning and spoke with a Supervisor named XXXX in Texas to demand that my funds be returned to me by the same method ( ACH Credit Draft ) but they refuse to comply. Furthermore, I told them to cease and desist from any future ACH debit transfers from my checking account as the loan is more than paid in full, and to send my pink slip removing them as the lienholder. I have no assurance from Hyundai Finance will do the right thing considering they have already engaged in unlawful fund conversion. I now have to call my bank ( XXXX XXXX XXXX ) to dispute the transaction and I will have to pay fees to stop payment on ACH debit.
|
| 08/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased a Kia XXXX for 3 years, and returned it at the end of the lease on XX/XX/XXXX.
I received on XX/XX/XXXX an invoice from Kia XXXX for {$2100.00} for the Excess Wear etc. I am not disputing that.
I sent XXXX XXXX a check on XX/XX/XXXX.
On XX/XX/XXXX I sent a follow-up letter asking if the check had been received. I did not receive a reply.
I called on XX/XX/XXXX, and was told the check had not arrived. I immediately paid {$1000.00} by credit card.
On XX/XX/XXXX I called Kia Finance again and paid by credit card the balance of {$1100.00} Subsequently I went to a Kia dealer to lease a new car, but was told that my credit report showed a delinquent payment to Kia, which reduced my credit rating by 100 points which meant that I was now not eligible to lease or purchase a car.
I write twice to Kia Finance apologizing for my late payment, but I said I honestly do not feel it was entirely my fault. I explained that my payment was late, but I had not realized my payment had not been received in time. I asked them if they could review my case, with a view to restoring my credit rating so I could go ahead and lease/purchase another Kia. They said they were not prepared to change their decision, and the delinquent payment would remain on my credit report.
Thank you, XXXX XXXX
|
| 06/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My vehicle began to malfunction after I had taken it to a car wash on XX/XX/XXXX. The guy that detailed under the hood mustve wet something because ever since my check-engine like was on and my vehicle stopped in traffic twice moments after. Long-story short I towed my vehicle to Kia Dealership XXXX LA the very next day. It has been three weeks since and they claim they dont know what the issue is but will work on it. Then they start throwing prices at me about the fact they even hold my vehicle in storage. Mind you it has been hard to get in contact with who they claim is responsible with my service and when I finally do ( which is 3 weeks later ) he says hes been out. Im not sure how it works but how was my vehicle assigned to someone thats been out? My overall complaint is the unexpected fees charged to me because my vehicle was held in storage. No fees of which I was informed about. I canceled their services in week three and they say itll be {$220.00} dollars. For what? And then I just today find out I was entitled to a rental car until my car was fixed but no person informed me. Even so the services was so poor I would rather tow it elsewhere and have my uncle work his magic. Truly their service is horrendous. ~Kia XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today is XX/XX/XXXX.
|
| 01/14/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
My wife and I leased a XXXX from a XXXX dealership in XXXX in XX/XX/2018. We were very up front that we were a active duty family and moved pretty consistently. We were advised that having a lease would not be an issue since all of the fees are paid up front or at the end. Fast forward two years later and my payments went up {$40.00} dollars and no one could tell me why my payment had changed when nothing had changed. This was before XXXX and I finally was able to get an answer after XXXX XXXXXXXX XXXX Day. A rather rude agent told me that my payment had an additional sales tax added to the payment. I told him that should not have happened considering that nothing had changed on my account. Temporarily the address had changed and he claimed that that was the reason. There was nothing he could do but I could contact the tax authority near my home for help. The car is registered through our home state and has been for years. There was no disclosure sent to my husband or I and the statements do not show where the the fees were added or how much. Half of the statements are missing and I have requested them with no avail. All I want is for my payments to be back to where they where and for the company to fix their dishonesty. I will definitely not be buying this car at the end of my term.
|
| 03/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
In XX/XX/2022, I obtained a loan from my bank to buy my leased vehicle at the end of the lease. The lease was formerly financed through Hyundai Motor Finance. On XX/XX/2022, my bank completed the purchase of the vehicle. The paperwork sent to Hyundai included a POA assigning my bank the right to take title so they could record the title and perfect a lien for securing the loan. The final pay off amount for the vehicle was {$24000.00}. As required by Hyundai the final payment amount to Hyundai also included sales tax. Total payments made to Hyundai in certified checks were {$27000.00}.
Hyundai has not requested the issuance of new title and has for the past 5 months and despited repeated calls- well over a dozen - from me and my bank representatives, Hyundai has repeatedly lied to me and my lender about issuance of title. The state title division has confirmed that no request for new title has been made by Hyundai or any other entity. Title is still listing Hyundai as owner. In addition, Hyundai Motor Finance had fraudulently retained the amounts paid for sales tax and has not paid the sales tax as require by law. My bank has stated I may be considered in default on my loan even though all payments have been made and will continue to be made. I am not able to register the vehicle.
|
| 11/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX XXXX has requested on several occasions indirectly and directly to XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX that this XXXX kia XXXX already had a dispute in process around XXXX XXXX spoke to this agency that was a debt collection/bank or finance institution in XXXX GA that was a representative XXXX XXXX XXXX XXXX kia of XXXX XXXX Ohio and kia finance in XXXX ga ... XXXX ' XXXX was engine failure, hard to start sometimes, less acceleration, all still under warranty, slow take off, running rough,. windows malfunctioning.so of course it was returned to kia diagnosed that the mechanics found metal shavings within the oil pan. Vehicle returned 18 days later, without my consent or informing me of the options. consumer completely dissatisfied.MR hall held on to the payments because i wasn't receiving the proper feedback as to satisfying the customer first..85 days behind, repossed and illegally and sold with all consumers property still within the vehicle... this was a consumer credit transaction and under the magnunson-moss warranty act, XXXX act 'and backed by the cfpb ccpa, i consumer hall, XXXX am demanding my down payment of XXXX $ and all violations that has truly been a horrible experience.Consumer is also demanding the return of my insurance.premium that is due to consumer..
|
| 01/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/XXXX I purchased a XXXX XXXX XXXX and KIA MOTORS FINANCE provided the loan for the vehicle.
On XX/XX/XXXX I traded in the XXXX XXXX and XXXX paid off that loan, the loan was then closed and a refund of {$21.00} was mailed out.
On XX/XX/XXXX I received my annual XXXX bonus and I did not realize that my bank still had it set to send a large payment of {$5000.00} to KIA MOTORS FINANCE to pay down on my loan. I forgot to cancel the scheduled payment to KIA MOTORS FINANCE when I traded in the XXXX XXXX.
On XX/XX/XXXX KIA MOTORS FINANCE received the payment, which as my bank advised me could not be reversed. I immediately called KIA MOTORS FINANCE so they could immediately process the refund and was advised that it would normally take XXXX business days to refund me but the customer service representative emailed the payment processing department to immediately refund me.
On XX/XX/XXXX I again called KIA MOTORS FINANCE for a status update on my refund of the {$5000.00} and was told by everyone I spoke to that it would take 30 business days to refund me and there is nothing they can do.
{$5000.00} is a LOT of money to be out. They're HOLDING on to MY money. My KIA MOTORS FINANCE account was closed out on XX/XX/XXXX with a ZERO balance. So how can they hold on to MY money?
|
| 07/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
On XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX, Maryland, because these electric vehicles were for sale in Indiana where I live. The Sales Contract listed the {$30000.00} amount unpaid on the car after I paid {$10000.00} as a down payment.
I issued a check # XXXX for the {$30000.00} on XXXX because the first payment due amount listed this higher amount as the one time full payoff amount.
Hyundai Finance issued a second payment due notice for {$210.00} on about XXXX that I paid with check # XXXX.
On XXXX, Hyundai Motor Finance, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX, issued a {$1.00} check # XXXX to me.
I emailed Hyundai Finance and the XXXX XXXX, XXXX, MD, dealer, XXXX XXXX XXXX, about the overbilling to me with no response from either party.
I received a lien release on the loan, but perhaps due to the COVID-19 pandemic, I have not yet received the new car title and my temporary license paper tag issued by the dealer expired XXXX. I paid {$5.00} to the local XXXX XXXX, IN, Police Department to complete a signed VIN number check that they apparently informed the Indiana Bureau of Motor Vehicles via his shoulder radio of his findings. I emailed a copy of the police VIN check form to XXXX XXXX, but I still have no Title and an expired temporary tag.
|
| 05/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Vehicle Lease from Hyundai Motor Finance ended ( with XXXX payment balance ) in XX/XX/XXXX.
In XX/XX/XXXX, letter received from collection agency seeking to collect {$480.00} on behalf of Hyundai Motor Finance.
In conversation with HMF Recovery Dept, I was informed debt is for XX/XX/XXXX Property Tax. I requested copy of Tax Bill, mentioning that vehicle was no longer in my possession at that date. I never received the Tax Bill.
Following next conversation with Recovery Dept, I was told bill was actually for XX/XX/XXXX, I requested and received copy of the Tax bill and complete schedule of payments on the lease account.
1. The Tax bill shows the amount of {$270.00} billed XX/XX/XXXX by local tax authority.
2. The schedule of payments shows that : a. I was billed for, and paid, {$190.00} for property Tax in XX/XX/XXXX ( month following local tax authority bill ).
b. The amount of {$480.00} is actually the amount of the monthly lease payments.
c. All payments were made, as billed, with no balance remaining.
HMF Recovery Dept have refused to acknowledge that there may be an issue with this bill, they have refused to escalate and have it checked.
This bill has also been reported on my credit by HMF, even though I have never been notified of it over the past year and a half.
|
| 11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I purchased a new car from XXXX XXXX in XXXX Kansas this past XXXX, XXXX. Before going to the dealership, I submitted my information online to be pre-qualified for financing. Once getting to the dealership, they checked my credit again without looking to see that it had already been done. They worked hard to get me financed and were finally successful.
By the end of the week I saw the two XXXX XXXX hard inquiries on my credit report. In addition to that, XXXX XXXX checked my credit a third time without my knowing. And they also submitted my information to 11 other finance companies and authorized them to pull my credit individually WITHOUT MY KNOWLEDGE OR CONSENT. This whole process created a total of 14 hard inquiries on my credit reports ( XXXX showed all of them ) and brought my score and borrowing power down for the next 2 years.
The first time I bought from XXXX XXXX XXXX XXXX XXXX XXXX they shopped me around for financing WITHOUT authorizing other companies to check my credit independently. I NEVER would have agreed to 14 credit checks. I would appreciate it if these were removed.
I have tried to contact XXXX XXXX and a few of the other companies but I never am able to talk to anyone who has the power to remove these inquiries. So I am stuck with no reprieve or apology.
|
| 10/09/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased a XXXX XXXX XXXX in CA in XXXX XXXX. My turn in date was XXXX XXXX.
I turned it in at the Kia Dealer in XXXX XXXX, VA on XXXX XXXX, XXXX. They looked at the car said there would not be problems. They also explained that Kia sends a Company out to inspect the car and I would hear from them is there were problems. I got a letter from Kia dated XX/XX/XXXX stating that there was {$1000.00}. dollars in mis-use or excess Wear and Tear. I immediately called Kia. They sent me an e-mail with pictures of a scratch on a door and some bumper damage. There was also some dents from something falling on the car on the roof. I told them the car had no door scratch and no bumper damage and I did not know about the roof and that it was always parked out side so I would agree to pay for the roof damage but not the other damage. They said if I do not pay the entire amount by XX/XX/XXXX they would report me to the credit bureau. I do not want this to happen. I can not even be sure this was my car. They should have inspected it in front of me. I had no door scratch and no bumper damage when I turned in the car. I think they are running some kind of scam, it could just be the inpection company because I am sure they are paid on what they bill. Please help me straighten this out.
Thank you.
|
| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
KIA MOTOR FINANCE is violating FCRA FDCP TILA statutes. I XXXX XXXX XXXX am a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I am contacting you the Consumer Financial Protection Bureau to oversee this complaint and enforce the laws created and sanctioned by your organization and the United States. In this matter the Unites States is, according to 28 U.S. Code 3002 ( 15 ) ( A ) a Federal Corporation This complaint is being addressed to the CFPB the regulatory body that enforces Regulation M. The actions required in this complaint are to ensure that KIA MOTORS FINANACE and their representatives make recompense and or pay redress and compensation for their trespass against me.
The Exhibits labeled A through G-1 in this complaint shall prove that Kia motor finance is violating FCRA FDCP statutes. Kia Motor Finance has had 8 separate occasions to address my ID theft report in affidavit form concerning a fraudulent account that is reporting on my consumer credit profile. Violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i : 12 CFR 1013.1 - Authority, scope, purpose, State of California CIVIL CODE Section 2985.7 1667a. Consumer lease disclosures 15 USC 1692
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
On XX/XX/ I have sent a letter to Kia XXXX XXXX to provide proof regarding the late payment. the Congress pursuant 15 U.S. Code 1666b - Timing of payments, states that the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 ( b ) - Open end consumer credit plans 21 days before due date. I have requested from Kia XXXX XXXX a proof that all the required information by law was sent 21 days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Kia XXXX XXXX violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complaint. On XX/XX/ Kia XXXX XXXX responded with letter that the information is accurate but it is defiantly was not proof required by law. I have sent them my second letter on XX/XX/ giving them a final opportunity to resolve the matter but they ignored it and again failed to provide information set by Congress.
|
| 10/05/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
On XX/XX/XXXX the vehicle was turned in. Hyundai XXXX XXXX stated they covered all excess wear and tear plus excess miles on vehicle. I was given a check of {$1000.00} to send to Hyundai motor finance. The check was received by them and the account was closed. However, XX/XX/XXXX I received a credit alert of a collection from Hyundai of {$480.00}. When speaking with them it states of excess miles. When Ive spoken with Hyundai customer service they keep stating its excess miles and the mathematics doesnt add up. Ive shown all the info to Hyundai of XXXX which they reviewed and stated the account was taken care of and there were no fees due to be paid. I have all the information of proof of the vehicle payments as well as vehicle inspection. Ive never received any letter or notice of owed payment in which Hyundai stated it probably got lost in the mail. How is it in 3 years Ive never received any notices or anything from Hyundai and all of a sudden this pops up. Ive leased two other vehicles from Hyundai since turning in this vehicle. Ive tried resolving this and I have not gotten any answers. Due to this issue it effected my credit score negatively in which its delaying my opportunity in trying to purchase my first home. I need help in resolving this as soon as possible.
|
| 09/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/2021 and another one on XX/XX/2021. I disputed this account and the inaccuracy of this inaccurate, invalidated, unveriable debt on my credit report. I asked KIA Motors for my verified signature and how they validated this inaccuarte account and all the corresponding information. They have not responded not once in over 45 days. Not only have they violated multiple rights they're also hurting my ability to obtain good credit. They are reporting to the consuming reporting agencies inaccurate and unverifiable information. I didnt authorize this debt to be on my report. They are reporting in error. Provide me proof of signature and proof of debt of {$720.00}. This debt is inaccurate and does not belong to me. I asked them to investigate this account and immediately delete this account or update my credit report to positive/current. It's been over 45 days with no results. I did not consent to, authorize nor benefit from the following account. Please remove or correct my credit report. They have violated multiple laws and I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.
|
| 08/11/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}.
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements.
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it.
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection
|
| 09/12/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, We are writing you all as very frustrated customers of Hyundai Motor Finance ( Also known as 'Hyundai Capital America ' ). On XX/XX/2018 I ( XXXX XXXX ) made several call to your customer service department regarding making a payment on my account. At the time I had a total balance due of {$510.00} which included my monthly payment plus late fees. I spoke to the representative on the phone and she informed me all I had to at least pay my normal monthly payment of {$490.00} and I could pay the late fees with my next month bill. Never was I told that if I did no pay the extra {$18.00} that I would still be considered past due. Well, because I was given inaccurate information I carried a balance into XX/XX/XXXX and it was reported on our credit report as 30 days late. This is very upsetting to us because if we were aware of the consequences of paying {$18.00} short we would've made a full payment at that time. Now, our credit scores have dropped drastically and it could prevent us on purchasing our first home next month. We are writing you all to see if there is anything that can be done and this negative reporting be corrected. We do not think it is fair that we are being punished because of an employee error.
Thanks XXXX XXXX XXXX XXXX Account Number XXXX
|
| 11/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
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I purchased a new XXXX XXXX XXXX vehicle out of state ( Ohio ) and financed the purchase thru Hyundai Motor Finance. I live in XXXX, and the lien holder ( Hyundai Motor Finance ) is required to send the original title issued by the XXXX XXXX Ohio XXXX to XXXX XXXX so the vehicle can be registered and insured. I bought the vehicle on XX/XX/XXXX. I have contacted Hyundai Motor Finance, every week, since XX/XX/XXXX requesting the status of the title transfer. I have had numerous case # 's issued, the last was on XX/XX/XXXX # XXXX requesting the search for the title. On XX/XX/XXXX, XXXX XXXX in XXXX, Ohio mailed the title issued by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the XXXX XXXX XXXX, XXXX Tx XXXX location. XXXX XXXX tracking number # XXXX shows the title was signed for and received. At this point in time Hyundai Motor Finance tells me that they can't find the title. I can not drive the vehicle legally in XXXX without the vehicle registered. Hyundai Motor Finance could easily remedy the situation by requesting a duplicate title from the XXXX XXXX XXXX XXXX ( XXXX ) and then send the title to the requested site I have provided in XXXX to process the XXXX XXXX registration. We are over XXXX days and this is the worse company to try to address legal issues with.
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| 03/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a vehicle in XXXX XXXX ( Hyundai Sonata ) and traded it in for a different brand car lease ( Mercedes Benz ) in XXXX XXXX. We received the payoff amount of XXXX XXXX and change, which new car dealer confirmed and paid it off. In XXXX XXXX I received a call from the new dealer that the Hyundai is asking for more money to release the title of the vehicle. I provided the new dealer with several monthly statements that I had stating XXXX balance. A few weeks after providing the new dealer with the statements, I received a default notice that asked me for the payment of XXXX XXXX and change. I have made several attempts to call Hyundai 's default department and no one seems to know what is going on until I spoke to someone high ranking on XXXX/XXXX/XXXX at XXXX hrs who made no sense and stated that payoff amount that we quote is not an actual payoff.
I have never had such a bad experience with a car company before. " Payoff '' to laymen folks mean " payoff '' and I believe that these people are delaying the process just to send the file to collections.
Dear Sir/Madam, I really need your help in resolving this matter and can not really afford to be ripped off as a consumer and a law abiding citizen. Please help me deal with this unfair and greedy corporation.
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| 09/24/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I first called Hyundai to have them transfer my title over to my local DMV. They sent me an email with information to fill in and was promised at most it would take two weeks for the DMV to receive. Since then I have sent this same email three times and have called XXXX customer service over 10 times by now. I called them this morning ( XX/XX/XXXX ) and was told by an automation I could not be helped and was hung up on. On XX/XX/XXXX, I called twice, where I was told that it would take two weeks for my title request to come through again. At that point it had already been 8 days. I have escalated this with a manager more than once, I call and ask about the status and there is always something that isn't correct or hasn't moved. I have also paid double insurance because my first insurance will not cancel without the transfer of plates, which is the fault of XXXX. I also want to be reimbursed for the XXXX $ it cost me. I have now paid TWO months of double car insurance and would like it to be refunded for both months. I am coming up to my third month of this. I still have had zero progress or help. I was given the incorrect address which the title was sent to, and have still not been able to reach anyone to have my title resent to the correct address.
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| 08/26/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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My complaint is with Hyundai Motor Finance XXXX. My account number is XXXX.
They sent me a notice in XXXX, 2020 that said " Effective no earlier than XX/XX/2020 we will be UPDATING how we apply payments received towards your billed balances ''.
So, if you have an unpaid late charge of {$15.00} and you send in your next payment " on time '' they first deduct the past due late charge from that payment, which leaves only a partial payment being paid and that results in ANOTHER late charge. So you now have a late charge for every month going forward, until you clear up that initial late charge ... ... 4 months is {$61.00} and change, all because you made ONE payment several days late.
They are acting as though this is their right, but they sent a NOTICE in XX/XX/2020, that was NOT agreed to in the initial contract that I signed at lease inception.
This practice is much like when the banks would pay the largest check first on an account with insufficient funds, so as to create more overdraft charges than necessary, until a stop was put to that unfair practice. Now they must start with the smallest check and work up.
Not that it matters, BUT this is the fourth car I have leased from this company and I think this is ridiculous!
This is abusive and predatory!
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| 02/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
Servicemember |
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My Hyundai XXXX financed by Hyundai Motor Finance was stolen ( due to the wave of Kia/Hyundai break-ins that have occurred in XXXX ) on XXXX. I promptly let my insurance companyXXXX XXXX, and HMF know about the theft that day and started a claim. On XXXX I accepted a total loss settlement from XXXX due to the car being recovered and found beyond repair. XXXX then reached out to HMF for a payoff amount for the vehicle and was told {$9600.00}. On XXXX XXXX sent HMF a check for {$9600.00} which they accepted and cashed. Since XXXX HMF has claimed that they need additional money from me with no explanation as to why. XXXX closed the claim after the check was sent and I thought the matter was handled. I now have a balance of {$11000.00} on my credit file that is 60 days past due from HMF for the balance of a totaled vehicle that has been taken care of by my insurance company. With how poorly run HMF is and how they settled for {$19.00} million in fines for false credit reporting back on XX/XX/ I find it really hard to believe anything they are telling me and refuse to be harassed anymore. I want them to close my file for the totaled vehicle ( Just like my insurance company XXXX did on XXXX XXXX and remove the balance from my Credit Report so I can move on in peace.
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| 07/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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Kia Motor Finance had an advertised finance special of {$1500.00} cash back and 2.9 % interest for 60 months with no down payment required. On XX/XX/XXXX, I purchased a 2020 XXXX XXXX from XXXX XXXX in XXXX, TX. The credit report showed that my score was at least an XXXX but I didn't receive the advertised interest rate, the rate I received was 3.9 %. When I questioned the general manager ( XXXX XXXX ) which is who processed my application his response was they just put the information in the computer and that's what it showed on Kia Motor Finance. I called back on XX/XX/XXXX to see if he could provide any explanation as to why I didn't qualify for the advertised rate was told he would reach out to Kia Motor Finance but I haven't heard anything back as of XX/XX/XXXX. On XX/XX/XXXX I contacted Kia Motor Finance to see if they could provide an explanation for me not getting the advertised rate and the response received is that it is up to the dealer ( manually inputted ) and any correction would have to come from the dealer through an updated contract. On XX/XX/XXXX I called the dealer back to follow up on my request for an explanation for the rate I received but haven't heard anything back. Know one seems to know and each side is saying it was out of their hands.
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| 07/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I bought out my lease for {$12000.00} on XX/XX/22. At one point, i had the wrong address so i had to fix that with them. However that was over a month ago. I still have not received my title.
I bought out the car to sell it. However, i still have not received the title. This has caused me to be out {$12000.00} since XXXX, it is now XX/XX/XXXX. On top of that, ive had to keep driving the car and putting miles on it, depreciating the value of the car.
I have had 7 calls with hyundai just trying to get answers. All im being told is the title department is backed up. Nothing concrete.
One of those calls, i was told by the supervisor that multiple customer service agents did not send the work order through. I can not get in touch with the title department currently, nor get an answer about when/if it is coming.
I was also told by hyundai that someone from their " care '' team would reach out to me in 2-4 business days to discuss the issue. That has not happened.
I am becoming concerned as i told them, its getting to the point where id rather return the car and get my money back, however i was given no available recourse to do so.
I genuinely need help with this, as {$12000.00} dollars is a lot of money for me and i have nothing to show for it.
XXXX.
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| 05/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I purchased a car from Hyundai and got the loan through Hyundai Finance. Within a month of the purchase I received a lower interest rate from my bank and refinanced the loan. My bank paid the balance on XX/XX/XXXX and Hyundai Finance took an auto payment out of my bank account for {$500.00} on XX/XX/XXXX. I called to let them know that a refund of this payment was owed. They then sent me a check for {$66.00} which bounced at my bank and I was then charged another {$30.00} from my bank. Hyundai Finance has held onto my payment calling it " interest '' The loan was for {$24000.00}, taken out on XX/XX/XXXX at a rate of 2.5 % interest. The length of time this {$24000.00} was borrowed was from XX/XX/XXXX to XX/XX/XXXX, or a total of 39 days. The interest owed after 39 days should only have been XXXX. The total payments made were {$24000.00} from my bank as the payoff and {$500.00} that they took as an auto payment. The total amount owed should have been {$24000.00} and they should be giving me back {$500.00} for the over payment and now another {$30.00} for their bounced refund check for a total of {$530.00}. I first contacted the XXXX and the response from Hyundai is that they will look into it. They have had my money for over a month now with no refund issued.
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| 01/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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HYUNDAI FINANCE HORRIBLE CUSTOMER SERVICE a young girl totaled my car XX/XX/XXXX, XXXX XXXX pd off lease XX/XX/XXXX in the amount of {$17000.00}, deductible in the amount of {$510.00} bill received by me XX/XX/XXXX, Hyundai cashed it XX/XX/XXXX, They are showing the loan and non payment on my credit report with the credit bureau. They told me I need to submit a dispute, in writing, by mail. They purposely give no fax or e- mail address for customers to use. They will not fix the problem they created. Supposedly once they receive it, it will take at least another 3 months to fix with the credit bureau. Funny how they immediately file the lease or loan, but can not fix the problem they have created. I only found out about it as I was applying for a home equity loan, this problem dropped by credit rating over 100 points. I have settlement on a property XX/XX/XXXX, and is creating a real problem. I asked the representative from Hyundai Finance to e mail me the address with instructions as to how to file it with them, she would not. They have my e mail address with my account, they would contact me when my payment was due, and when they received it.
I really doubt they would fix the problem even with a request in writing, it would just be lost in their mailroom.
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| 02/08/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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KIA FINANCE Kia is reporting by email that my monthly lease payment is overdue when it was paid on XX/XX/XXXX for XX/XX/XXXX. I think that KIA Finance either was hacked or is purposely reporting the wrong amount. I tried to call them twice today and they hung up on me both times after trying to get me to pay.
My KIA Finance online statement is showing that I have no payments due and that I have automatic payments set up with my bank. My bank is also showing that the payment was debited on XX/XX/XXXX.
KIA has played with my credit report before causing my score to go down.
They dinged my credit twice last May causing my score to go down when I attempted to lease a car at the advertised price. The dealer tried to defraud me and I opened complaints with the Massachusetts AG and only then the dealer capitulated. Kia was trying to get me to pay on a car that I had surrendered ( Kia lease paid off ) and I had already taken possession of a new car.
Now I am trying to get Kia to comply with a warranty on defective equipment in the car so they are trying to destroy my credit again in retribution.
Women should be cautious about dealing with Kia because Ive seen complaints online that they unfairly target women for this type of fraudulent underhanded dealings.
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| 06/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
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In accordance wit [ the Fair Credit Roporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I never wanted my account info/credit info reported to any agency and I never gave anyone or any corporation any written instructions to do so.
I have reason to believe that these DEALERSHIPs willingly and knowingly took advantage of me and my consumer credit.
l am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; they also accepted a CASH down payments violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction = Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance or other charge.
Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
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| 03/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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On XXXX XXXX, 2023 I sent End Of Lease purchase paper work, odometer reading and payoff of {$28000.00} to Kia Financial and that was posted to my account on XXXX XXXX, 2023. After waiting 8 to 10 business days I called to see when I might receive my registration/title was told they were still processing. After several other calls I was told I still owed {$96.00}, no call, no text or email to me regarding this additional charge. I immediately paid by online check and it was posted to my account on XX/XX/XXXX. After waiting several days I again called to see when I might receive my title. After waiting on line and being sent to several departments they told me they didn't have my Odometer disclosure, which was originally sent on XX/XX/XXXX with the check for {$28000.00} by priority mail. I immediately did a document sign for the mileage on XX/XX/XXXX. In the mean time I am getting a late notice regarding my XXXX payment ( even though the car had been paid off XX/XX/XXXX ). I called again this morning and was told the odometer reading was pending and it would be 7 to 10 working days. I am a XXXX XXXX XXXX XXXX and truly feel I have been discriminated against by this company. I am XXXX XXXX on XX/XX/XXXX and want to have the car registered to me before XXXX.
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| 09/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I have been trying since XXXX of XXXX to get a title on our vehicle after moving from XXXX to XXXX. XXXX requires a physical title to get the car registered and we filed all the correct paperwork with the MVA who sent a letter to Kia Financial Services in XX/XX/2021 to request a physical title after Kia Financial Services sent an electronic title. Kia Financial Services refused to send a physical title and did nothing for two months. After blaming XXXX MVA for doing paperwork wrong, we were eventually told that Kia did not send the correct paperwork. At this point, we have paid off the vehicle and should be able to request a title. The vehicle has been paid off since XX/XX/XXXXand yet Kia Financial Services still will not send a title to XXXX or even us. It has been two weeks with Kia refusing to send us any paperwork, documentation or record and they can only claim that they are working on it and to call back in seven days. This is unacceptable to hold our title hostage for nearly six months without any record or documentation that we can show XXXX so we can register or use our vehicle properly. The supervisor at Kia is rude and changes his name and refuses to give us a last name. They continue to dodge questions or give us any meaningful solution.
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| 05/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I have purchased a car when I stayed in XXXX for which I took a loan from Hyundai Motor Finance Company. I moved from XXXX to XXXX recently. I needed to register my car with XXXX DMV.
XXXX DMV needs the title of the car in order for them to register my car in XXXX. As per the process established by XXXX DMV, I sent a request to Hyundai Motor Finance Company in XX/XX/XXXX to send the title to the concerned XXXX DMV office. Hyundai Motor Finance Company didn't act on my request in the reasonable time. When I followed up, they said they have submitted a request to internal title department which was rejected due to missing information at their end. They didn't tell me what was missing. They said they are requesting it again and asked me to follow up after 10 business days. When I followed up again, it was the same response. I have followed up multiple times and spoken to couple of supervisors. They keep on telling me the same reason and title has not yet been sent to XXXX DMV as of XX/XX/XXXX. It has been over 8 months and my XXXX registration has already expired. I am unable to drive to work. At this moment, I don't have much confidence that Hyundai Motor Finance Company is correctly processing my request and understanding the urgency of my situation.
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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Hyundai sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where Hyundai makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a Hyundai representative that my credit report would be cleared once paid. However Hyundai did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because Hyundai falsely confirmed everything to be accurate. Please see attached order from the CFPB that required Hyundai to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like Hyundai is still up to their unethical tactics and haven't learned from the $ XXXX order.
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| 03/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX, I did a trade in with Hyundai for my XXXX XXXX XXXX to XXXX XXXX. Hyundai was to do the payoff exchange of {$1600.00}. I have proof of check that was submitted by XXXX XXXX Hyundai to Hyundai. Hyundai is claiming that I failed to make 3 payments from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have explained to them that I have made each of those payments but was sent to my old account which is XXXX. My current account is XXXX. I made these payments electronically on Hyundai Motor Finance website. I had spoken with several Representatives and Supervisors from Hyundai. I have proof of my payments and had forwarded my bank statements to prove that I did make them. I faxed and mailed these documents in XX/XX/XXXX. They were supposed to rectify this by transferring these payments to my current account. I have been told by Representatives that they have seen these payments in the system and that they will be transferring to another department to finish the process. They towed my car on Friday, XX/XX/XXXX. I had to do get a car rental in order to get to and from my job and get around the way I need to. I am current with my payments. They have been charging me late fees since XX/XX/XXXX. They also did not accept my most recent statement.
|
| 09/25/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
Older American, Servicemember |
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The lease for the vehicle ended on XX/XX/2020. In advance of that date XX/XX/2020 I sent a cashiers check foe {$19000.00} ( an amount given to me by Kia Motor Finance ) to Kia Motor Finance to purchase the car. They received the payment ( signed for it ) on XX/XX/XXXX and cashed the check 3 days later. I have not as yet received the title and whenever I call their customer service a recording says they are busy and to call back at a later time. Twice in over 30 attempts have I been able to talk to a person. The last time XX/XX/XXXX, I was told everything was in order and that person would contact the title department to forward the title to me. It is now the XXXX of XXXX and the title has not been received and I can not get through to customer service person to get an update. I leased the vehicle through XXXX XXXX XXXX in XXXX Washington however they have informed me they can not assist in this matter because it is between me and Kia Motor Finance. It seems unusual to me they can not assist in that they processed the lease with KMF and served as their agent when processing the lease. All I'm trying to do is get the title for which I paid {$19000.00}. My lease payment record with KMF is excellent. Any help you could provide would b greatly appreciated.
|
| 02/29/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX I co-leased a XXXX XXXX XXXX at XXXX XXXX, today XXXX XXXX in XXXX XXXX, CA, without any problem or late payment for more than two years. Unfortunately, on XX/XX/XXXX this car had an accident and was totaled. The insurance made all the arraignments and paid Kia Finance a total of {$15000.00} on XX/XX/XXXX supposedly for the full payment of the car and covering all the expenses owed. Until XX/XX/XXXX we received an email from my credit card company saying that there was a change on our credit report and to our surprise there was still a balance on the XXXX Finance account of {$280.00} dlls money owed for a car that was no longer in his possession since XX/XX/XXXX and that XXXX XXXX assured that the account was cleared. XXXX XXXX paid what was requested from KIA FINANCE but it seems that a balance was left unpaid and we never receive any letter requested by mail, email or call. To end this situation, we paid the balance of {$280.00} on XX/XX/XXXX but the damage to his credit was already done.
We made calls and sent letters to Kia Finance clear this out, that I was never late in any payment but the company denied to fix it, and we are still disputing this issue with the credit companies and even hired a third party company to fix it.
|
| 01/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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XXXX XXXX XXXX repeatedly abuses their power.
On multiple occasions, they have provided no bill what so ever, yet have then threatened taking the bill to collection and affect my credit. This latest time, we traded our car in ( end of lease ). The dealership agreed to pay all remaining payment. XXXX XXXX XXXX sent a bill for damages to the car to an address that we have n't lived in for 4 years.
When threatened with collections, we alerted them that the dealership would be paying, and just asked for some more time, since they were threatening collection in a week 's time.
They admitted their mistake, but refused to push the deadline for payment. When I ask to dispute the claim against me, I was told I could not and there was no process to dispute. I did fax a dispute of the claims over to them ; however, I have not heard anything. According to XXXX ( customer service ), he has heard this story from costumers 100s of times in the year he has worked there. They do n't care, and they wo n't do anything to help despite admitting they are wrong.
Additionally, under the Fair Debt Collection Practices Act, are n't I entitled to dispute the claim? Additionally, as part of the same act, are n't they required to cease collection of the debt until resolved?
|
| 04/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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I leased a XXXX XXXX in XXXX in XX/XX/2020 and moved to XXXX about a month later. According to the lease document from XXXX XXXXXXXX XXXX XXXXXXXX, in XXXXXXXX XXXX, I was to pay a total of {$750.00} Ohio sales tax for the life of the three-year lease which was divided up into 36 payments of approximately {$20.00} that were included in my initial monthly payments of {$310.00}.
When I moved to XXXX in XXXX, Hyundai Motor Finance tacked on an additional {$22.00} in XXXX sales tax. So now my total monthly payment is XXXX and I am paying sales tax twice on the same vehicle.
I have tried every outlet. Hyundai Motor Finance refuses to deal with this matter and referred me to the State of XXXX and State of XXXX sales tax departments. I contacted both agencies to resolve this matter and was denied by the State of XXXX saying the vehicle was leased there and thus its their right the money, whereas the State of XXXX, after giving me the runaround for several months, eventually denied me also, giving no clear reason for their refusal. So I am up a creek without a paddle and have been paying sales tax twice on the same vehicle for 10 months and counting.
No one seems to want to help with this matter which everyone agrees is wrong so I am contacting you.
|
| 10/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
my payment was returned for reason given .. returned payment - other. I contacted my bank and they advised me that nothing had been presented to them and there was plenty of money in the account to cover the payment and many more if wanted. The account number and routing number I used for the payment had never changed in the last two plus years I 've had the car loan and have used the same number ( saved on their website for easy use ). I resubmitted the payment and attempted to contact the company. I got in contact with a gentleman that was difficult to talk with. When giving my name and information I had to repeat it over and over for him. The loan is in my name and he said I am not on the loan and just kept repeating it. The loan has me as Primary person on the account XXXX XXXX. The guy just refused to speak to me, so now I 'm unable to confirm if there is any issues with account and to find out why they refused to process my payment which I do have confirmation emails showing it was on time and authorization received for it. Now a week later they said payment returned and account late. I want all records cleared for late payment ( if applicable ) and any fees adjusted ( if applicable ) and the employee that spoke with me fired or retrained.
|
| 10/05/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
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XXXX XXXX on XX/XX/2022, was in a XXXX XXXX and XXXX XXXX vehicle. Is the leaseholder. My complaint is against XXXX XXXX and XXXX XXXX and all its Dealerships. XXXX XXXX and all their Franchises have colluded together to charge a market correction invoice charging {$5000.00} over XXXX of {$25000.00} {$31000.00} Sometimes even {$10000.00} per car. All the Dealerships say it's a supply and demand they have a shortage of cars and more demand because of chips and XXXX XXXX. They're slow walking the inventory to market. Not only XXXX but all the car makers are doing the same to overcharge on these vehicles. You don't have an option to buy at a fair price. You have an XXXX problem with the XXXX XXXX. They have a XXXX on the price. They will not negotiate the price. This is not a fair market in XXXX. The Insurance company appraised my vehicle at XXXX XXXX we had a payoff of {$26000.00}, If I wanted to buy the car I would pay XXXX plus tax. XXXX came up with a different amount charging XXXX Stealing from me over {$5000.00}. They told me it was their car they just leased it to me. That didn't matter because I would be paying XXXX if I wanted to buy my lease car. This is a banking fraud Nothing on their website nothing in any of the lease documents.
--
|
| 10/30/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
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Summary : we agreed on a $ XXXX/ month payment for 36 months and XXXX miles/year on a leased vehicle from XXXX XXXX ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX , IN XXXX. After we agreed on the price of the vehicle and 36 month terms, the salesperson XXXX XXXX came to us and said they made an error and did n't figure in the correct amount of sales tax and the new total with tire protection would be {$540.00} per month. I authorized the deal.
Problem : The terms changed after we agreed on the deal, Fraud & Deception. We later leaned that a document for 48 months on XXXX page and 36 months referenced in another section ( attached ). we 've made several calls and have written several notes and have not received a response resolving this fraudulent action. When we initially discussed it with XXXX ( salesperson ) and the Finance Mgr. we were informed that there were XXXX options presented, XXXX for 36 mo and XXXX for 48 mo tosign. This is not true. 48 months was never discussed or part of the terms. We would have never agreed to 48 month terms. We are requesting the following:1 ) the correct terms of 36 months be applied to the lease, or2 ) Return the vehicle and terminate the lease.
Thank you for assisting in the resolution of this matter.
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| 02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX I financed a vehicle with Kia. In XXXX I disputed inaccurate delinquencies. My proof of on time payments was dismissed by Kia and the credit bureaus. XX/XX/XXXX I received a redress check for {$100.00} plus a letter from Hyundai which now owns Kia. I cashed the check then submitted a copy of the letter to XXXX and XXXX. XXXX dismissed my dispute because the letterhead says Hyundai and not Kia. They said I dont have a Hyundai account on my report ( because its Kia. ) XXXX closed my dispute without correcting my credit report. They said they are basing it off what information Hyundai/Kia tells them!!! The CFPB lawsuit, ruling, and the fact that I received a redress payment means NOTHING TO THEM. Hyundai ( Kia ) is in violation of pages 26 and 27 of the court order requiring them to correct errors on my credit report. Its my belief that their paperwork is so bad that it can not be accurately adjusted so my request is for the entire account to be removed from my credit report. I believe Hyundai needs to send letters to all credit bureaus. I also believe they now owe me more than the {$100.00} redress since they are in violation of the court order and they are violating the rules in general. I want them held accountable in a swift fashion.
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| 01/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XXXX XXXX with purchased out of state in Arizona from Kia dealer to be registered with XXXX where I reside on XX/XX/XXXX. Kia made a mistake on original title registration with wrong middle name spelling with XXXX DMV. I dont know if this is the fault of Kia Finance or Kia Dealer but it resides with Kia regardless. This further delay for Kia to receive updated title from Arizona. I had to call Kia Finance to trigger a state to state transfer. The request was not processed properly multiple times at which point I had to call in 11 times totaling 144 minutes. I have yet to get the title sent to Texas DMV. Texas DMV requires registration of car within 30 days of purchase or there will be fines levied on the owner for every 30 days elapsed. Currently it's been over 6 weeks or so and closing on the 2nd layer of fines assuming I get the title prior to the XXXX of XXXX. I have spoken to countless supervisors but each and every time I call, I get a different status, different excuse and different next steps of which some are not executed. The total fines levied on this transaction has now exceeded the total interest to be paid on the life of the Car Loan. Have I known how troublesome this was going to be, I would have just paid for the car in cash.
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| 08/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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There's a due process system which this country title court proceedings in this case. However the courtsystem in XXXX; hasn't been just Or fair for all persons. Kia motors and Hyundai are two separate entities. My contract is only binding to Kia Motors and no others. XXXX XXXX XXXX still remains within the parameters of her contract with Kia.... The vehicle defectiveness and maintenance problem should be repaired by Kia Motors in XXXX.1) due to warranty obligations2) because that's the contract enter in3) all complaints hasn't been repaired4) retaliation due to the complaints do not justify the removal of the vehicle from the XXXX parking lot unjustly. XXXX XXXX and XXXX XXXX aren't representative of Kia. No default has occurred since the purchase. Why do we have unauthorized personnel driving the vehicle; has it been repurchase since XX/XX/2019? No; if yes then I do not have any further obligation to Kia or the vehicle. As veteran and retiree I reserve the right to express and voice consumer issues as they pertain to safety, effectiveness and efficiency !!!Consumer problem with maintenance and high attention to detail.. Still under maintenance contract...The vehicle still has not work to my expectation especially as a brand new purchase.
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| 11/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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My auto draft was turned off by Kia for my last payment and I was not notified. Letters were mailed to my old address after requests were made to update address and phone number on multiple occasions and was never processed throughout all Kia systems. I checked my credit report, as I regularly do, and noticed my score went down by over 100 points. I called Kia and to say that the supervisor was no help would be an understatement, she hung up on me. I was not yelling, cursing or belittling her in anyway. I clearly was just another customer complaining to her that she had no empathy for. I was shocked how I was treated. She mixed her words saying things like " You should submit your request in writing '' but also saying " They will not fix this '' when I asked why submit this request in writing, the supervisor said for " Peace of mind ''. I did not request or authorize the suspension of auto draft on my account and thank God I noticed it within 60 days but that was 60 days too late. II had a 0 % APR with Kia because my credit score was soo good. Now I this late payment will effect my score for 7 years because of a change made by the company I did not authorize. This makes no sense and Kia is apparently not willing to accept any responsibility.
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| 01/06/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American |
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This is a follow up complaint to XXXX and, in spite of agreeing with this complaint, XXXX XXXX continues its harassment, intimidation, and incorrect billing.
To pick up where we left off on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX offering to settle the ( incorrect ) bill for {$1300.00} or 80 % of what they claimed. There was no mention of CFPB complaint.
On XX/XX/XXXX I was informed by XXXX XXXX that they processed my claim on behalf of XXXX XXXX XXXX and was paying {$1000.00} to XXXX XXXX XXXX. I sent the balance of {$280.00} along with a letter requesting a full, complete, and accurate statement. I further demanded that any derogatory information sent to credit bureaus be rescinded.
On XX/XX/XXXX I received a letter from XXXX confirming payment of {$1000.00}.
Instead of granting my request of XX/XX/XXXX on XX/XX/XXXX I received a letter dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX, claiming on behalf of XXXX XXXX XXXX and addtional {$330.00}.
I replied to this letter stating the account is paid in full.
It is clear that XXXX XXXX XXXX is attempting to bully me into paying additional money in spite of their offer of XX/XX/XXXX. It should further be noted that the lease was paid through XX/XX/XXXX.
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| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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My mother passed away in XXXX of XXXX and I am the sole beneficiary of her estate. Transferring her vehicle into my name was and still is the last thing I need to do to close out her estate. I have been in contact with Hyundai Motor Finance since XXXX of XXXX asking for the XXXX XXXX XXXX Statement ( XXXX XXXX ), but still have not received it. I've been told numerous times that my case was escalated and would be taken care of, but have not made any progress in getting the requested document. I was told on XXXX that their policy states they had to send the document within 4 business days, but as of today ( XX/XX/XXXX ), I still have not received it. The document has to be faxed to the XXXX XXXX XXXX and every time I've called, they've confirmed they had the correct fax numbers to send it to and all of the information they had was correct, but can not let me talk to any sort of supervisor or tell me anything as to why the document has not been faxed. I've had numerous reps tell me my case is still in progress, escalated, and all sorts of other great things that sound good over the phone, but do not bring any sort of resolution. At this point, I'm honestly not sure what I can do to get the document and have started looking into XXXX XXXX
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| 02/18/2019 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After 3 complaints about not receiving a correct payment history almost 3 months after requesting it at the end of a loan, I saw that KiaMotorFinance attached it to their response on the CFPB complaint. It is correct. I am attaching documents ( emails ) from Kia. I do not know if I have paid the correct amount or not. This morning I paid XXXX, more than the indicated amount on the payment history you published as their response. It was in an email sent on XX/XX/XXXX and due XX/XX/XXXX ( see attached ). They say I owe more ( see attached ). I have received no documents stating why I owe more than the XXXX on the payment history, but I paid what the bill said when I verified the payment history I saw published was correct. I asked for this in XX/XX/XXXX when I finally paid the unusual double bill I had been receiving and it said no other ( regular ) payment was necessary. Please examine all three attached documents to see why I am confused. None of the amounts match. I want this over. I want my title, and I want all dealerships to remove me from their mailing lists. Multiple dealerships are sending me emails to get me to come in and buy a new Kia After this horrible experiece, I will never buy a XXXX car again, and I love my XXXX XXXX.
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| 05/20/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have been trying to get the title for a lease vehicle that has been paid off since XXXX XXXX XXXX. The original title was sent in with the payoff check in XX/XX/2021. I kept calling to see where my title was. XXXX said they did not get my title. They got the check and the paperwork. They said it was my problem. They said it needed to send an odometer reading, which was done many times. Then they said I had not paid my personal taxes. They never sent them to me because they had no interest in the vehicle. I have been hung up on, screamed at and called a liar. I paid personal property tax for a state I have not lived in for XXXX years because they said if I pay them they would release the title. That was XXXX months ago. Now they say a duplicate title was sent to XXXX XXXX but it was filled out incorrectly. XXXX says they will not sign the title, even though they sent a no interest letter. I have been making payments to my credit union for a year, but still have no title. My tags are up at the end of XXXX. I will have to pay a XXXX dollar penalty for not having my new tags. This is not right. I paid personal tax for the wrong county and now I have to pay a penalty for something I did not do. Please help. I dont know what else to do.
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| 12/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I returned a car to XXXX XXXX XXXX in XXXX XX/XX/XXXX. They never grounded the vehicle and the vehicle sat at their facility until XX/XX/XXXX. I filed credit disputes and Hyundai continued to deny the dispute and ding my credit as if I had this vehicle. Ive lost XXXX point on my credit due to this and can not get any credit.
The car was finally reported as returned ( by the dealership ) but they said it was an abandoned vehicle and DID NOT give the tow company the keys. The tow company came after me to pay the bill and this is the very first time I realized the dealership dropped the ball and I also realized why Hyundai was saying they never had the car. Hyundai finally got the car and sold the lease in XX/XX/XXXX. In XX/XX/XXXX the dealership finally admitted that I returned that car a year ago. By this time I have gone almost a whole year being negatively affected by this incorrect information that Hyundai is reporting on my credit. I have called Hyundai countless times and everytime I call to get this off of my credit as missed/late payments, I get the run around and nothing gets fixed. I have gotten put in the middle of this fiasco and neither company wants to do the right thing and rectify the situation. I need immediate help
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| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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XXXX reports one 30 day late payment to XXXX Credit Bureau in XX/XX/2020. My payment was not late. My Lease expired XX/XX/2020 and was renewed for 6 months due to COVID. Lease extension was renewed for original lease amount of {$370.00}. Lease extension indicates additional amounts for taxes and fees may be due. I never received monthly statements under the extension until XX/XX/2020 but continued to pay the {$370.00} per month per the extension. I received calls in XX/XX/2020 that I owed money without explanation or any billing statements. Upon investigating, the amount due was for four months sales tax equalling {$99.00} which I promptly paid. The 30 day late payment reported to XXXX indicates/implies I was late for my $ XXXX monthly payment which is incorrect. I provided this information and explanation to KIA but they insist the report is accurate without explanation. I contacted them but to no avail. I filed a dispute through XXXX and got the same result two times. XXXX advised that KIA gave no explanation except that the report is accurate. KIA fails to acknowledge the issues and circumstances of the extension and no billing statements with the updated amount due. I saved every billing statement from the original lease.
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| 07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, hyundai closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to Hyundai in the amount of XXXX on XX/XX/XXXX. I called XXXXXXXX XXXX almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. Hyundai reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me Hyundai was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX Hyundai received a payment from GAP, Hyundai then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called Hyundai several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then Hyundai reported negatively again.
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| 07/09/2017 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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As of XXXX XXXX, 2017 Hyundai Finance is reporting a negative credit reporting to the XXXX XXXX XXXX XXXX and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XXXX XXXX, 2017. I received the certified return receipt notice dated XXXX XXXX, 2017 in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.
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| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I purchased a brand new XXXX truck from XXXX and on XX/XX/XXXX for some reason the car wouldnt start I had the car towed to the shop the following day and I still till this day have not received my vehicle back its been months Im still paying the monthly payments and insurance for a car that I do not have when I try to ask and call to see whats going on the always say they dont know and are ordering parts that has always been the answer it is extremely hard to get a hold of them at their shop I literally have to go in in person to even get talked to I have also contacted corporate and has assigned an advisor that has been completely useless she told me I would have a response within 48 hours and its been weeks at this point if the company that sold me the cars still cant figure out whats wrong with their car then I no longer want it I want to get my money back and take my business elsewhere I need a reliable car to use in my everyday life thats why I decided to get this new vehicle I cant continue to go on without a car.. I want to terminate the loan get my money back and go to another dealership of a different make not at all related to XXXX can you please help or give me advice on what I can do or who I can talk to be thank you
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| 09/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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My leased Hyundai vehicle was involved in a accident in XX/XX/XXXX. It was declared total loss by the insurance. Insurance made the payment. I paid my deductible portion. In XXXX, I received a letter of bill from Hyundai Motor Finance. The letter states that I owe {$690.00}. I, immediately called Hyundai and notified that I and insurance paid the amount due. I assumed the issue has been resolved. There was absolutely no communication from Hyundai after that.
However, I got a negative credit item reported to my credit record in XX/XX/XXXX without any prior communication that I owe anything or they are taking any action.
Then I got the bill from Hyundai for {$690.00} in XX/XX/XXXX. I mailed them immediately that I do not owe anything. No response from Hyundai to my letter.
They now send the matter to collection agency and now I got a letter from collection company dated XX/XX/XXXX asking for money.
Prior to this matter, I had a perfect credit report with no negative information on my file. I was never late for any payment for Hyundai Motor Finance or any financial institution. They ruined my credit file and score for something that I don't owe.
They are also harassing me through collection agency with amount I do not owe.
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| 03/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I HAVE REQUESTED THAT HYUNDAI MOTOR FINANCE TO PROVIDE ME WITH THE ORIGINAL APPLICATION THAT WAS SUBMITTED TO THEM FOR FINANCE FROM XXXX XXXX XXXX XXXX NEVADA, THE FORMER FINANCE MANAGER ADVISED ME THAT THE REASON XXXX XXXX IS NOT GIVING ME A COPY OF THE APPLICATION FOR FINANCE IS BECAUSE THEY FALSIFIED MY INCOME .I WAS ADVISED TO REACH OUT TO HYUNDAI MOTOR FINANCE FOR A COPY OF THE APPLICATION SUBMTTED SHOWING INCOME REPORTED BY THE DEALERSHIP. HYUNDAI HAS YET GAVE ME WHAT I ASKED FOR. I NEED TO SEE THE APPICATION SUBMITTED FROM THE DEALERSHIP WITH MY INCOME GIVEN. IF FAIL TO PROVIDE I WILL SEEK ASSISTANCE FROM THE ATTORNEY GENERAL OFFICE FOR ASSISTANCE. I AM ASKING FOR THE APPLICATION SUVMITTED FOR FINANCE AND NOT MY CONTRACT. I WANT THIS SUBMITTED TO ME ASAP ELSE I WILL INVOLVE A 3RD PARTY WHO WILL GET MY APPLICATION SUPONEA THIS DEALERSHIP FALSIFIED MY APPLICATION TO GET ME FUNDED FOR THEIR PERSONAL GAIN. I WANT HYUNDAI TO PROVIDE THE INFORMATION TO ME SINCE THE DEALERSHIP IS CLAIMING NO RECORDS AVAILABLE. AND AFTER IT S DETERMINED THEY FALSIFIED MY INCOME TO GET ME FINANCED FOR A XXXX CAR WITH A XXXX MONTHLY SSI INCOME I WAS TAKING ADVANTAGE OF AND JUSTICE WILL BE SERVED. I WANT HYUNDAI TO SUBMIT THE INFORMATION I REQUESTED.
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| 01/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I recently pulled my credit report from XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice.
I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX dispute and my XXXX dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything.
In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
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| 12/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I bought my leased vehicle from XXXX XXXX in XX/XX/2022. They sent me the title in XX/XX/2022 with the wrong mileage written on the back. They more than doubled the mileage that was on the car and what was written on the odometer disclosure statement originally submitted to them with the car payoff. I immediately contacted them to make them aware that they wrote the wrong mileage and they were supposed to send me a notarized affidavit of correction and a notarized NJ XXXX odometer disclosure statement so I can title and register the car in my name as required by NJ XXXX. They sent me XXXX XXXX, again with the wrong mileage! I have spoken to numerous agents and supervisors. No one seems to know what they are doing. I have spent over XXXX hours on the phone fighting with them for what is rightfully mine since XXXX!! I have a new car loan with Bank XXXX XXXX and they are hounding me for the title since they are the lienholder. I have a car sitting here that I paid for that I can't register in my name and the current registration is expiring at the end of the year. This is unacceptable from a huge corporation. I never expected this to be such a hassle. There are hundreds of complaints against them on the Internet for titling issues.
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| 07/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I refinanced my vehicle with a different bank in XX/XX/2021. The new bank sent a payoff w/2checks ( bc I had to pay a difference ) in the same envelope, but only 1 of the checks was applied -- the larger check. Kia started calling & harassing me so I got the new bank on the phone and they sent ANOTHER cashiers check with the difference but it was not applied by Kia either. I called kia several times with the banker from the new bank on the phone. We provided tracking # and the name of the signer and verified their overnight address each time ; everything was correct but they couldn't find/apply the payment. As a result, I continue to encounter late fees, & Kia is destroying my credit. Each time a Kia rep told me they were looking into it and will fix it but they won't complete my payoff. Finally, someone at Kia said they would correct the issue and stop calling me but then I received a letter by mail stating the same thing : they were trying to collect a debt from me but I have sent them a cashiers check twice to their overnight payment address and it was signed as received. The new bank still hasn't received the title either because Kia won't apply the payment & claim they can't find it even though XXXX has signed for it twice.
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| 08/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Purchased a new Kia from Kia Motor finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that Kia was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since Kia was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XX/XX/XXXX Kia started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. Kia never reported those payments. I received my settlement in XX/XX/XXXX and Kia accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
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| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing to file a formal complaint against Kia Finance concerning their reporting practices on my credit report. The issue revolves around an item reported under the account number XXXX. Despite multiple attempts to address this matter directly with Kia Finance, I have encountered persistent issues with their response and investigation process.
Upon my initial dispute with Kia Finance, I received a response dated XX/XX/2023, indicating that they had conducted an investigation. However, the letter was addressed to " XXXX XXXX, '' which is an incorrect spelling of my name. Subsequently, I provided another dispute to Kia Finance, and their response dated XX/XX/2023, was once again addressed incorrectly to " XXXX XXXX. '' This repeated error in addressing my name raises concerns about the thoroughness of their investigation and the accuracy of their record-keeping.
Furthermore, Kia Finance stated that I had not provided sufficient information for them to commence an investigation. However, I firmly believe that the information I provided was comprehensive and adequate for Kia Finance to conduct a thorough investigation into the matter. Despite this, it appears that they have not undertaken a proper review of the dispute.
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| 05/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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ok i have this account number with HMF " XXXX " last year i moved from XXXX to XXXX HMF sent the title from XXXX to XXXX to complete the state transfer at the DMV however the title got lost in the mail according to this tracking from XXXX XXXX since XX/XX/22 and nobody did his job by confirming if anybody received this title complete mess, couple of weeks ago i got letter from the XXXX in XXXX saying that they put a hold on XXXX title because they didn't receive XXXX title, i called the customer service tons of times and i honestly felt like it was a mistake going with this institution i could've financed with my bank at least when i call the customer service i will find someone who speaks XXXX, majority of the agents i spoke to should be fired for not even understanding the language of the country they serve and the rest who speaks XXXX they gave me different story eveytime literally different story everytime i call " oh we sent it already and its on the mail '', " oh we escalated it to the title dept and you should hear within whatever '', " oh we sent a request to the XXXX to request a duplicate title '' XXXX XXXX XXXX XXXX XXXX without any resolution in the horizon This is my last resort before taking a legal action
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| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor KIA MOTORS FINANCE and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.
|
| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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Throughly a buyout lease ( finance ), I completed the payment of XXXX XXXX on XXXX.
After completion of full amount, Kia Motors Finance sent me damage title that was declined to DMV because it represents a documents.
On XXXX request duplicate and the Kia Representative stated that a new tittle would be sent.
On XXXX, resubmit the same request and I was advise that it would be mailed to me.
On XXXX, called again and I was mistreated by the representative and I was accused of tear the tittle that was tear by kia and amended by Kia with their reference tape.
On the same date, spoke with a supervisor who advised me to sent returned the title to their tittle department and advised that in 6 weeks the replacement would be sent to me.
As per their instructions, the Tittle was delivered on XXXX On XXXX spoke with another representative and find out that absolutely nothing has been done. Once again I submitted another complaint ( Complaint XXXX ) and for the first time a request # was provided_ Request # XXXX. At time, I was advised that a representative would reach out to in a week.
I havent heard from Kia Motors Finance until today and financial institution that I dealing with has increase my Car loan APR from 4.8 % to 18 %.
|
| 01/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
On XX/XX/2020 I turned in my vehicle lease number XXXX and at the same time I leased a new vehicle. In leasing the new vehicle I paid the first month lease payment. At some point I received a bill from KIA XXXX in the amount of {$360.00} I called KIA Motors and inquired about the billing. I was told that there was excessive wear on my tiers and I didn't tern in one of my keys. As part of the initial lease, I had purchased insurance which was added to my lease payment every month. I let them about the insurance. I thought the issue was resolved.
I then get another billing in the same amount, this time they claim that I missed a payment.I requested that they provide me with a specific month that I missed. They were never able to establish the specific month. They then reported a delinquency to the credit companies badly damaging my credit standing. As a result even though they still didn't provide me a specific month that I missed a payment I submitted a payment to the collection agency they had referred the situation to. I am seeking the repayment of {$360.00} which was paid on XX/XX/2020. I essence KIA XXXX has charged me payments on a car that I nolonger had access to. I am also seeking that my credit record be corrected.
|
| 07/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I had a XXXX XXXX XXXX that was returned to Kia in XX/XX/XXXX, and another lease was started for my XXXX XXXX XXXX. At the dealership, I was told that all payments made that day would include last payment for XXXX XXXX as well as first payment for XXXX XXXX. Four months pass, and my credit score drops around 70 points. I see that I have late payments for the XXXX XXXX XXXX account because the last payment was not made. Unable to clarify with the Dealership and Kia motor Finance, I decide to make the last payment at that time and close the account. However, there continues to be an {$18.00} balance from Kia Motor Finance on my credit report. Everytime I call Kia motor finance, I get a different answer saying they don't see it on their side, another agent sees it and says he will contact the credit agencies, and another agent today says I should be " thankful '' my credit report shows {$18.00} because to her, it shows {$16000.00} and that the dealership never processed the car as returned. There is absolutely no transparency in Kia and never a clear answer to their mistakes. I called the dealership and conveniently, the manager and agent that sold me the car are fired, and still have not been able to settle the issue with Kia.
|
| 06/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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I purchased a XXXX XXXX and financed through Hyundai Motor Finance. The car was recently involved in an accident and the insurance company ruled it a total loss and is trying to payoff the car. My agent requested the information on XXXX XXXX, 2015. He has continuously been given the runaround from HMF. First, they asked him for inappropriate information ( details about the loss, my insurance policy and the claim itself ). Then, they refused to confirm receipt of the information he requested. We were told it would be 5-7 business days from the date they " received '' the information he sent, but they refused to verify they received it. It is now XXXX XXXX and today HMF told him it would be 3 more business days from receipt of additional information that they once again will not confirm they received. I faxed them this morning demanding escalation and a call from management by XXXX, to no avail. Meanwhile, I am waiting on the excess proceeds of that payoff to use as my down payment for another car. Further, I am buying a house and the HMF loan is still showing on my credit because HMF refuses to cooperate in ACCEPTING PAYOFF OF MY LOAN!!! I really need someone to intervene and make them cooperate and communicate with my agent.
|
| 04/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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I got a vehicle lease at Kia Motors about a year ago. Payments are constantly a hassle. The finance department failed to record and/or acknowledge payments at least three times within about a year and it was always up to us to provide records or copies of cancelled checks ; the finance department appears messy and disorganized.
Calling their customer service is unpleasant and lengthy, their so called customer service acts as an aggressive collector more than a customer service department. On or about XX/XX/2022, I mailed a check to the same billing address we always have, the check was cashed on XX/XX/2022 but the company claims it never received it.
A document mailed through the USPS to the correct address is presumed received by law so the moment I mailed it to the correct address my obligation has been fulfilled and it ceased to be my problem whatever happened after it was received, but as usual this company 's disorganization was made my problem not theirs and the account was reported to the credit bureaus in collections and my credit score went down almost XXXX points.
I contacted Kia as well as their Legal department to no avail. I decided to pay again just to fix my credit score but this should not stay this way.
|
| 01/02/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
My mother XXXX XXXX this last XXXX. I appear as XXXX on the title to her XXXX. Kia Motors Finance is also shown on the title. The loan was paid off in XXXX XXXX XXXX after my father XXXX. I am not able to keep the XXXX due to financial circumstances. Personal Property tax, licensing fees, inspection/emissions, insurance, etc. etc. I want to sell the vehicle but I am not able to do so without a clean title. I can't get a clean title without the lien waiver from Kia Motors Finance.
I am not able to give you dates of action because I only spoke to someone one time.
She told me I didn't need a lien waiver telling me that Kia Motors notifies the DMV and a new title is then mailed to the vehicle owner. I went to the DMV with this story and she said that is not the case in Missouri. The many many many more times I attempted to call Kia Motors I never spoke to anyone. The number will put you on hold .... for ever, then the phone will ring like it is going to put you through and then it hangs up on you. I have done this over and over and over and over. I tried to contact a KIA dealer for assistance and all he would tell me is that I have to call customer service. No help from him .....
What can I do to obtain this lien waiver?
|
| 07/09/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
As ofXX/XX/XXXX Hyundai Finance is reporting a negative credit reporting to the OPM XXXX-XXXX Credit Report and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XX/XX/XXXX. I received the certified return receipt notice dated XX/XX/XXXX in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.
|
| 06/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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i turned in my lease on XX/XX/XXXX to purchase a new XXXX vehicle,, the dealership paid off my remaining lease payments so i could purchase the car,,, ,i had a 48 month lease started in XX/XX/XXXX ....
so after the paperwork was finalizied i get a letter in the mail on XX/XX/XXXX, ,that i owe more then what i was told when i called for payoff the day i turned over car,,,, It was for other amounts such as disposition fee of XXXX which were paid when the dealership paid off car,,, also sales tax fees XXXX, ,and a sales tax fee XXXX.they also have a adj lease balance of XXXX ..but when i called for payoff they told me a couple of times it was XXXX ... they have total liability was XXXX ... so the difference they have is XXXX ... but they have put on my credit report that this car was not paid for 8 months,,, and my lease pmt was XXXX per month ... that is wrong i never paid 1 payment late in almost 48 months ... .also they dont show the amount paid anywhere,,, ,i have tried to contact them for the past several months also sent the credit bureaus copies of check i sent them to payoff car,,, because they are showing i havent paid this car in months, ,when actually my lease was up in XX/XX/XXXX ... .can you help me with this??
|
| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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in XX/XX/XXXX i received a statement indicating payment of tax bill for XXXX for XXXX XXXX XXXX that was under lease though i purchased it outright in XX/XX/XXXX from KIa Motors Fiance in amount of {$630.00} so I paid it via check # XXXX on XXXX and it was cashed by them. I then received a tax bill from Citoy of XXXX indicating that no taxes for XXXX was paid and since I own the vehicle I had to pay via check # XXXX before my registration was cancelled. I contacted Kia and was told to send all paperwork to their Tax Abatement office so they may refund my {$630.00} and that was on XXXX. I never heard back and sent a follow up letter on XXXX and still nothing. I phoned them again on XXXX and they said they need the registration which the bank took when i purchased the vehicle and my registration shows myself as owner not Kia Motors Fiance like before. They demanded me to pay taxes for XXXX yet they never paid the City of XXXX and I had to pay them for same vehicle and same tax year. They fraudently took {$630.00} and I am willing to sue them as I have supplied all required paperwork showing amounts, cashed checks, tax bills, vehicle vin numbers etc that much up XXXX wish to file a complaint for blatant consumer violations
|
| 01/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hyundai Motor Finance refuses to make any action on their title services.
I attempted to do a state title transfer while still in my lease for DMV registration purposes after moving to a new state. After initiating the title transfer request I received the message " Hyundai Motor Finance has submitted your title release request. This step may take up to 5 business days to be completed. '' Three months later, the title transfer request is still at this step and process to actually request the title was never finished.
Now I decided to do the lease buyout, paying over {$10000.00} to XXXX. I confirmed with several representatives over the phone that the title will be sent to me via mail within a short time frame after explaining the above situation. It has been a month since then and once again the title services has the status " Hyundai Motor Finance has submitted your title release request. This step may take up to 5 business days to be completed. ". Notice in my attached screenshot they haven't even finished the process to REQUEST my title after a entire month.
Throughout my entire leasing process XXXX has failed to ever send me any required documents, and is now holding the title hostage for a vehicle I paid for.
|
| 10/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a lease with Hyundai Motor Finance. I traded in my old XXXX last XX/XX/2020. On XX/XX/2020, they called me to inform me that there was a forberance plan available to help customer though the Pandemic due to COVID 19. The representative told me that I qualify for 90 days without making a payments and they will add those payments to the end of the lease, my lease is for 36 months and it will be for XXXX. I checked the website every single month and in the statements said XXXX balance, meaning that I did not have to pay. I never received a phone call from them or a letter advising me that I should pay. On XX/XX/XXXX I received a letter that my account was passed due and that I had to pay the three months due. I was sick at home tested positive with XXXX, I had to leave my job for almost 2 months and my finances went down. I started calling them every single day and they always told me a different answer. I ended up paying the whole amount which let me in a terrible financial crisis. They also reported me to the Credit Bureau and my Credit Score went down. They treated me very poorly, horrible customer service. They were very unfair, never found a solution to my situation and never cared that I was at home with XXXX.
|
| 09/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On Wednesday XXXX XXXX my car was repossessed without any notice or phone call prior to how long or how close I was to that point. I have been calling with the lender Hyundai Motor Finance every other day to let them know I will be making a payment due to me being sick with XXXX and it taking me out of work for quite some time. Also due to many job changes, they have not offered me any payment deferrals or any type of assistance to help skip a payment or change my payment amounts to assist with keeping my car. They have done nothing but threatened me that my car will be sold in auction and are demanding XXXX $ to get my car back that they illegally repossessed and took without any notice to me until after it was collected. I am on the verge of losing my job, they have not been willing to release the car after making small payments and talking with them that they took it without notice to me so I am trying to get it back. I paid XXXX of that and now I am being told I have to pay the storage fees and the remaining balance which is deemed unfair to the consumer as myself. They also have my personal belongings and I have not been able to get in touch with anybody to get them. I want my car back now, and those fees waived.
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
as of XX/XX/2022 there has been a dispute in process as to the beneficiary 's property that officially, and illegaly was seized unnanounced and without consumers consent, nor did the seller diclose the neccessary options for a very clear and productive understanding, the sellers direct responsibility 's obligations and duties/of performance to consumers needs, seems to be overshadowed, " the seller and the consumer '' were operating from an open end credit agreement or consumer credit transaction, furthermore by law state and federal law which prohibits this type of misleadeading and very deceptive practices these elaborate mechanisms and schemes as been reported by the cfpb, fdcpa, as well as the the well established congress driven Tila act, Magnuson-moss warranty act and all the necessary protections afforded to consumers and though XXXX continues to identify that kfa as a third partylender/financial institution, and collections, but before party 's engage or become involved, there had to be a '' meeting of the minds '' and clearly consumer XXXX has no knowledge or recollection that would identify, even perhaps show of your existence ( k.f.a ) -kia motors -kia finance, i have no contracts or agreements with you...
|
| 10/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Dear Compliance Manager ; This is driving me crazy now. I was just reviewing my credit and i noticed a vehicle that I turned in back in XX/XX/XXXX and noticed a " Charge-Off '' status on my credit report from last month ( XX/XX/XXXX). It's impossible!!! I have a new lease with Kia Motor Finance back in XX/XX/XXXX when I turned it the old one ... I have NEVER in my life missed a car payment because it's a draft from my bank account. This is totally wrong and the way it's reporting on my credit is a total violation of fair credit reporting laws. I thought consumer was protected under FCRA to ensure that the accounts are reporting accurately, with no inconsistencies. This has to be a computer error ... No human can blatantly make this type of mistake. Look at my credit report!!! The other lease from XX/XX/XXXX should've been terminated and stop reporting since I turned in the vehicle back in XX/XX/XXXX and the payment of new vehicle should start then ... NO LATE PAYMENT and I don't owe {$440.00} to Kia for any vehicle. Please correct and investigate this account. I like dealing with KIA MOTOR so far, but now I'm thinking twice about moving forward with any future relationship with Kia or any other affiliated companies.
|
| 09/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
After a long battle with XXXX I managed to receive the title for my XXXX XXXX XXXX. But now another issue at the DMV. Seems like XXXX XXXX failed to declare the lease and sales taxes and the DMV clerk is stating that I own XXXX $ in sales tax. The taxes were paid per account closure which I will attach it. I called XXXX XXXX on XX/XX/XXXX from DMW and they said that the letter that states the taxes were paid is going to be sent in 10 business days which didn't happened. I called again XXXX XXXX on XX/XX/XXXX and asked about the status of this letter and they said it hasn't even been sent nor processed. The new customer representative promised me again another 10 business days and also gave me some sort of tracking # SR # XXXX. So we are 14 business days an no letter for me to have this transfer finalized. I don't know what else to do in order for me to have this letter in hand in order to finalize this transfer. The car has been paid off with XXXX XXXX since XX/XX/XXXX. Car Base Payment : {$22000.00} and Sale/Use Tax : {$1800.00}. I don't understand why it takes so long for such an easy task to be completed by XXXX XXXX team. They should be accountable for any late fees if DMV will decide that will need to be paid.
|
| 11/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
The Company, Hyundai Motor Finance states in my complaint that the company has closed the account, supposedly paid as agreed. Which is true. I never missed a payment or was late. In fact I paid off a 72 month loan ( which I took for a dealer low interest rate of 1.9 % ) in about two years. Apparently this angered them. So while they kept accurate records of my on-time payments, which of course they had to do, they punished me by listing my total balance owed for about two years by never reducing it, if fact the they kept my amount due at {$11000.00} and never reduced it when payments were made.
Of course this damaged my credit rating and an examination of my account ( if they would show you ) would show that as a 20 Year XXXX Vet, I am not lying. To this day, years later, a look at my Hyundai records will show you exactly what they did.
Now I'm not looking to make money off what I consider is just pure incompetence, but if they won't adjust my balance due, which is still harming me financially, I will bring suit.
They refuse to say anything except the case is closed. But it's not closed and they know it. They are just to vindictive or incompetent or lazy to fix my payment balance.
XXXX XXXX XXXX XXXX-Ret XXXX
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a newly leased vehicle with HCA Exchange ( KIA/Hyundai Motor Finance ) . The vehicle was totaled. My insurance company XXXX XXXX ) attained the pay off for the vehicle which was {$20000.00}. This was exactly what I owed and matched my pay off on the KIA finance website under my account. XXXX sent them a check on XX/XX/XXXX. Subsequently, I received a bill for an additional {$3300.00}. The HCA Exchange company stated the vehicle was valued at {$23000.00}. They have asked for me to pay the difference. My insurance company contacted them and got the payoff for the car. I don't believe I should have to pay for what they VALUED the vehicle to be, I paid what I borrowed and ultimately owed after making the monthly payments for a few months. They have put it on my credit report as past due on XXXX, XXXX and XXXX. I have a letter from my insurance agency to HCA, it reads " Contact was made with HCA Exchange INC on XX/XX/XXXX, requesting the payoff amount for XXXX XXXX leased XXXX XXXX XXXX. During this contact, a Lease Payoff of {$20000.00} was quoted. The telephone representative advised once the lease payoff was received the lease would be closed and title issued too XXXX '' I have notified the credit agencies.
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, XXXX my son purchased a Hyundai XXXX and I co-signed. The Retail Installment Sale Contract - Simple Finance Charge was signed by both myself and my son. Per the contract there were 59 payments at {$360.00} beginning XXXX XXXX, XXXX with a final payment of {$360.00} due on XXXX XXXX, XXXX for a total of 60 payments. The payment detail on the Hyundai Finance monthly statement dated XXXX XXXX, XXXX shows a regular payment amount of {$360.00} and a total amount due of {$370.00} for payment # 60. The payoff summary on the statement shows a payoff amount of {$370.00} good through XXXX XXXX, XXXX. While the differences in these amounts for the final payment are small, my concerns are two-fold. First, the payoff amount and the final payment per the statement on XXXX XXXX, XXXX should be the same since payments would have been based on an amortization schedule. There should not be interest charged beyond what is included in the final payment due. Second, is there a systemic problem across all Hyundai Finance loans that adds interest to the payoff amount that is based on the date the final payment is due and higher total interest payable than the amount shown on the executed Retail Installment Sale Contract?
|
| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a new Hyundai Elantra Hybrid. The finance officer offered me GAP insurance for my loan. I agreed. Unfortunately 2 weeks later I was involved in an accident that totaled my new car. I initiated a claim and the car company was slow in doing the paperwork. I had to call them and the GAP company multiple times over multiple weeks in order to even get the GAP claim started. This started on XX/XX/XXXX ( initial claim date ). This was nearly a month after trying to start the claim. The car was XXXX on XX/XX/XXXX. On XX/XX/2023 I received notice that I would receive no payment. It appears that they are showing a {$4000.00} deductible on the GAP claim. I do not recall any sort of disclosure telling me that there was a {$4000.00} deductible. Signing up for GAP insurance on a XXXX XXXXXXXX car that I traded in a car for XXXX XXXX plus for would not have made any sense. In fact I know my boyfriend who is a XXXX at a XXXX XXXX would have raised all heck if I had bought a GAP policy with a {$4000.00} deductible. That would defeat the point of the policy. I feel that I was cheated, sold a lie, injured financially, and subjected to business practices that are dishonest and misleading. I feel that I was ripped off.
|
| 04/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Servicemember |
|
I have leased my XXXX XXXX XXXX through Hyundai Motor Finance since XX/XX/XXXX. The lease term expired in XX/XX/XXXX and I decided to buy out the vehicle. The buyout quote was {$11000.00}. On XX/XX/XXXX, I applied for a loan from my financial institution, XXXX XXXX XXXX XXXX and was provided a bankdraft to send to Hyundai Motor Finance. The payee name was " XXXX XXXX XXXX '' as instructed by the Hyundai website. I sent the bankdraft on XX/XX/XXXX, and it was received and processed by HMF on XXXX XX/XX/XXXX in the amount of {$11000.00}. On XX/XX/XXXX, I received correspondence from my financial institution that the bankdraft was returned unpaid because Hyundai Motor Finance improperly endorsed the instrument. On XX/XX/XXXX, Hyundai marked my account as delinquent after the check was returned. I have tried contacting Hyundai to rectify this on XXXX XXXX, to no avail. No one seems to be able to figure out how to correctly endorse the bankdraft, and now they want me to pay an increased buyout amount. I have been unsuccessful in attempting to finalize the buyout and need help. XXXX XXXX says that Hyundai has to be the one to correct the endorsement on the bankdraft and I have been unsuccessful in accomplishing this.
|
| 04/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased my XXXX XXXX XXXX on XX/XX/XXXX. I used funds I received from my local lender to pay this off. XXXX said they sent me my title on XX/XX/XXXX however they did not. I have since then been attempting to get my title for my current lien holder however XXXX has been uncooperative. They instead of providing me the title signed over, they sent a letter of no interest and a bill of sale which is not acceptable by Minnesota DMV standards. We ordered a duplicate title in XX/XX/XXXX and it has now been returned to Hyundai Motor Finance since XX/XX/XXXX. They have acknowledge they have the duplicate but have not released it. I've called multiple times, and requested I writing for them to release this by sending it to me using my own XXXX account for tracking purposes. Each time I call, they do not provide me with any updates other than it could take 7-10 business days for a reply. Its now been over 5 weeks and still no response. When I try to escalate this to a XXXX they say all they can do is send an internal email as well. I even had one gal set the phone down and ignore me when I asked to speak her XXXX. I need help getting them to respond. I'm paying {$250.00} a month, and I can't sell my car without this.
|
| 10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Leased a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX, never missed a payment, never late, carried a credit score of over XXXX. Turned the vehicle in XX/XX/XXXX, lease was up on XX/XX/XXXX, I paid in advance to turn it in early, thought that was it. On XXXX XXXX I received a credit alert that XXXX XXXX XXXX XXXX reported me delinquent, late 30 days, but early termination, obligation satisfied. It dropped my credit score over 120 points. I called them, they said so sorry, we will start an investigation, and it would help if you could send supporting paperwork, which I did and even mailed return receipt requested. I also reported to XXXX and XXXX and started disputes. On XXXX XXXX XXXX sent me their investigation which found in my favor and changed the status Improved account no delinquency and raised my score to XXXX. I then called XXXX to see why I hadn't heard from them, they said they were still looking into it, which had me puzzled, they said they would know within 30 days. Yesterday, I received another alert that XXXX reported me delinquent again. I am so upset and distraught over this false reporting I called, asked for a supervisor and they said they will start ANOTHER investigation. Please someone help.
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
I have previously filed a complaint with FTC # XXXX. ( Please include that detailed report in whatever communication you share with companies ) Never received a response and the condition has become worse. Revolves around Hyundai Motor Finance Leasing ; my calls them failed to correct. Has spread to credit reporting agencies ; initially XXXX, now others.
Hyundai leased vehicles to me and another individual who share similar first and surname XXXX XXXX ... ... XXXX. ) and nearly identical SS #. Hyundai has comingled this info and has exposed the personal info of other individual on my account and credit reports. It appears as an " alias '' on credit reports.
The other individual contacted me ( likely got my phone # ) from his Hyundai account and advised that he was receiving Hyundai mail address to me. I was receiving invoices by mail and my online account contained his name.
I finally gave up and returned my lease early hoping to correct this issue. Now his lease is listed on my credit reports along with a credit card where he is an additional signatory.
What is wrong with these financial institutions and services? Covid is no excuse for incompetence.
Attached is a copy of my HMF account page taken XXXX
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| 09/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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New car loan with Kia Finance. AutoPay was setup on the loan to pay. The first auto payment, in XX/XX/2021, was not processed due to an unknown reason. I had to manually pay online.
The second payment was also not processed due to an unknown reason. Attempted to pay manually again while I figured out the issue and the account was locked.
I called Kia Finance and found that the account was locked for 90 days because the account data for the auto pay setup was entered incorrectly. Unfortunately this wasn't known earlier so it could be addressed.
Kia now says since the account is locked and all payments have to be made by phone with a {$7.00} fee added. I called Kia customer service to get this resolved but they refused to remove the lock or remove the punitive fee. I have no choice now but to call and make a phone payment and incur the additional {$7.00} fee.
I asked Kia customer service to resolve this by removing the lock so I could correct the auto pay, but they refused. I also asked them to waive the {$7.00} fee until the lock is released but they also refused that option.
I spoke with XXXX from Kia Finance, employee ID XXXX to try and resolve this matter.
My account number with Kia Finance is XXXX.
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| 09/29/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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My lease with Hyundai Motor Finance was returned on time on XX/XX/2020 and a confirmation including an apology letter was mailed to me by XXXX. However on XX/XX/2020 HMFUSA reported a 30 and a 60 day late payment resulting in a serious decline of about 100 points on my score. After calling them they confirmed that it was a mistake on their end and advised me that someone should fix this within 7 days. I also opened a dispute with XXXX on XX/XX/2020. Until today XXXX has not been updated from HMFUSA.
I started a refinance for my home on XX/XX/2020 and it turns out that I am unable to get the lowest APR due to a low score of XXXX as this time. However as confirmed by multiple loan officers that if my score was more than XXXX I would qualify for the top tier and would save more than {$10000.00} on closing cost plus about 0.7 % lower APR than offered. My score on XXXX is XXXX as of today because there is no delinquency reported on it, but unfortunately Mortgage companies look at middle number which is XXXX as of today which does not qualify me for top tier.
I have lost my sleep, my appetite over this. I have called XXXX 4 times so far, crying in front of them but they don't seem to care.
Please help me.
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| 01/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I purchased a new XXXX XXXX in XXXX of XXXX and financed it through Hyundai Motor Finance. On XX/XX/XXXX, I traded in the vehicle to XXXX XXXX XXXX in XXXX, Texas, and XXXX XXXX XXXX mailed Hyundai a check for the full amount of my loan. According to the tracking information, Hyunda received the check on XX/XX/XXXX, and it was cashed on XX/XX/XXXX. However, the check has not been applied to my account, which is now showing as being 20 days overdue.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX about this issue, and on XX/XX/XXXX they contacted Hyundai and faxed over the cancelled check and the tracking information. As of XX/XX/XXXX, XXXX had still not applied the check to my account, and I had started getting calls from their collections department, so XXXX XXXX faxed the documentation again on XX/XX/XXXX, and I called Hyundai myself. Hyundai asked me to send them an image of the cancelled check in an email with my account number and ATTN : XXXX in the subject line. I did that on XX/XX/XXXX and received no reply. On XX/XX/XXXX, I emailed again asking for confirmation that my first email was received. I still have not gotten any reply, and my account is still not reflecting the check that Hyundai received.
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| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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This complaint is an add on to my last complaint since it only allows me to list XXXX companies.
XXXX XXXX XXXX XXXX XXXX XXXX There are hard inquiries on my credit report that were made without my authorization. I was not able to reach a representative with XXXX XXXX to dispute it. I was able to reach a representative with XXXX XXXX, however they were not helpful. I told them that I wanted to dispute a hard inquiry that was made without my authorization. The representative asked for my account number. I told her that I do not have an account with them. I asked to speak to a supervisor and she told me no and that if I do not have an account with them, they can not do anything with my credit report. I proceeded to ask her why they ran my credit then if I do not have an account with them. She did not answer my question and told me that I needed to contact the credit bureaus. I told her that I already did and that they told me to contact the lenders. She stated again that if I do not have an account with them, that she was unable to assist me. I reiterated to her that I do not have an account with them, which is why I'm disputing an inquiry that was made on my credit report. She hung up the phone on me.
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| 04/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Account # XXXX The Truth in Lending Act is a XXXX XXXX intended to ensure that consumers receive accurate information when they enter into credit transaction. A GAP waiver is an optional contractual obligation offered during the finance of an auto in which the seller agrees to waive any amounts still owed on an auto loan in the event of a total loss. GAP ( debt cancellation agreement ) was purchased at the time, I entered into contract with Kia Motor Finance. At the dealership, I was informed that I will benefit if I get GAP. My car was deemed as a total loss and Kia Motor Finance was aware of that. While waiting for GAP to make the final payment, I continued to make online payment to Kia. GAP insurance is supposed to cover the difference between the amount I owe, and what my insurance pays. Kia Motor Finance violated the Truth In Lending Act, by not honoring the GAP agreement and charging my account off which dropped my credit score from XXXX to XXXX. I purchased GAP under the impression from Kia that no money would come out of my pocket in case of a tragedy, and that wasn't the case. I end up paying the loan off with my own money and GAP sent me a reimbursement check, yet my credit is still messed up.
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| 11/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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We were sold a XXXX XXXX XXXX from XXXX XXXX that had a factory defect in which it was easily stolen. The loan is in my name and my son, XXXX XXXX. My son is a veteran. This is a poor way to treat a veteran. On XXXX XXXX the car was stolen and totaled. We still have the loan to pay for. No insurance will pay for it. We were rushed through the paperwork because it was closing time at the dealership and was not given the time or opportunity to read the paperwork. We purchased GAP insurance and roadside assistance. The wheels were stolen XXXX month and no one would pay for this so we spent {$2500.00} out of pocket for tow and rental and new wheels and tires with wheel locks. Now we are stuck with a car note we have been paying since it was stolen in XXXX because 3 insurance companies refuse to pay including the gap. The gap insurance that we bought refused to pay because the XXXX value of the car is more than the remaining balance of {$16000.00}. So we are either stuck with paying for a car the XXXX boys gang stole and wrecked or we can ruin our credit. I have every piece of paper involved in this but I dont know what you need. Feel free to contact me to provide the information you need. Can you help any?
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| 06/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Since XX/XX/XXXX, I have called Kia Finance every few days at different times to ask questions about my end of lease on XX/XX/XXXX. In addition, their automated system states I owe a payment for XX/XX/XXXX, however, I paid my last payment when I entered into the lease agreement. I need to talk to an agent to address these issues with my lease.
Every time I call the number on the letter, Kia states that they have a high volume of calls and their phone system hangs up on me. This is ridiculous! How can a company be allowed to operate without proper staffing in place. It's understandable to have some issues but this is the same message for over a month. They should be fined at this point if they can not answer calls. How it is even legal for them not to be able to take a call from customers on their accounts? I call at different times of the day, every day of the week and can never get through, can not leave a message, and can not stay on hold as the phone system hangs up on me at XXXX XXXX when they first open. How can they have a call volume right as they open at XXXX XXXX that they can not handle and hang up on customers? How can I resolve account issues when I can not get through to anyone at Kia?
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| 05/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I have never missed a payment or been behind on payments despite going through Unemployment and a significant reduced income directly related to COVID-19. I was on a temporary payment plan with Hyundai Motor Finance, to which I never missed a payment either. I made a payment of {$710.00} on Payment Date : XX/XX/XXXX. This posted on HMFUSA on XX/XX/XXXX, to which the auto finance company reported " late '' on my credit report ( all 3 bureaus ). My credit score dropped ( XXXX ) points since doing that, after working diligently to increase my score which was in the XXXX 's. My auto loan is current, all payments are up-to-date, I have never missed a payment in seven years of owning a vehicle, yet they reported a late payment on my credit report significantly impacting my score negatively. During a time when families are struggling financially, it is critical for consumer credit to be protected as sometimes this is their only way of obtaining income, such as mine. My licensing division requires I submit a copy of my credit report in order to obtain a XXXXXXXX XXXX in Nevada. Due to Hyundai Motor Finance, I may not be able to obtain a XXXXXXXX XXXX or try qualifying to purchase a home or any line of credit.
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| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my HYUNDAI MOTOR FINANCE accounts.
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of hospitalizations and back to back XXXX that were XXXX XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments.
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments.
Thank you for your consideration, and I hope youll approvemy request.
Best, XXXX XXXX
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| 08/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, I leased a vehicle. My monthly payment is {$320.00} which is due by the XXXX the month. From XX/XX/XXXX through XX/XX/XXXX I made all my payments electronically and on time. In XX/XX/XXXX a lease refund check in the amount of my monthly payment was mailed to me. ( {$320.00} ). I tried calling the finance company for an explanation but to no avail. In XX/XX/XXXX another lease refund check was mailed for the same amount. Again I called for an explanation. No response. On XX/XX/XXXX someone called me to say that my lease payments were past due. I asked about the refund checks and was told that the account number to which the payments were sent could not be verified, even though all seven payments were sent to the same account number and five payments were accepted. I was given an account number to send all future payments, and was told that if the refund checks were sent back by XX/XX/XXXX, payments would not be considered late, and all late fees would be cancelled. I forwarded both checks to them by XX/XX/XXXX, but on XX/XX/XXXX my account was reported to the credit bureau as PAST DUE, and the late payment fees were never cancelled, as they continue to appear on my monthly statement.
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| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Older American |
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I bought a new car on XX/XX/XXXX, from XXXX XXXX XXXX, CA. I got financing with XXXX XXXX. Unfortunately I got an accident on XX/XX/XXXX and my vehicle was total loss. The insurance company, XXXX XXXX, delayed the payment to XXXX XXXX, I was struggled by those two companies. On XX/XX/XXXX I was going to pay the monthly payment due via online system at XXXX XXXX, I used to pay and through online the system. But system was frozen with this account, the other two account is live. I call to customer support center asked to release frozen system for payment, He can not fix anything about my requesting. On XX/XX/XXXX I logged in XXXX XXXX online system for payment. Account with this vehicle was frozen.
Finally on XX/XX/XXXX Payoff balance check was delivered to XXXX XXXX . On XX/XX/XXXX, My credit report was negative by XXXX XXXX. Late payment was reported.
Hyundai has to explain to me what happen to my account frozen, and also customer support center reps. has some solution for I requested to pay the payment due.
I sent a written requesting to XXXX XXXX on XX/XX/XXXX, I do not have any letter from the XXXX XXXX .
I do have some evidences what I did.
Appreciated your time and help, Best Regards,
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| 10/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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This car was purchased at the end of the lease. Payments were confirmed received, but the company continued to ask for more payments, which they were unable to explain. Finally resolved payment issues on the company side and received a letter on XX/XX/2023 stating " ... that your liability under the above referenced lease is considered 'satisfied in full '. '' On XX/XX/2023 when speaking to a customer service manager of Kia Finance, I was told the account would be closed within a week and I would receive the title. The title was received and dated XX/XX/2023, but the account was never closed. A letter was then received from a different location of Kia Finance in XXXX XXXX XXXX, California stating that the lease is expired and that I have defaulted. Customer service continues to escalate internally, but there has been no resolution on why they are not able to close the account internally, even though the title has already been received and the letter confirming my obligations are satisfied was sent over 2 weeks ago. The last letter received stated that " this is an attempt to collect a debt '' which implies this will be an issue on my credit as a result of Kia Finance 's internal disorganization.
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| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXXfinanced a car with Kia Motors Finance, in XX/XX/XXXX I was in a car accident ( not at fault ) I was on time with my payments and never tried to neglect my payments. Car was totaled and there was a bit delay with the insurance and Gap to pay what they had to pay. After they paid it, it left me with a balance of {$120.00} which I never received correspondence letters which they claim they did send them. KMF took it upon themselves to put a charge off on my credit report from the date of the accident until XX/XX/XXXX. In XXXX was when I received the first letter from KIA that I owed that much so I payed it right away because I had no intention to neglect my payments. Payments from insurance And gap were never posted as on time but instead as a Charge off on my credit report.. I have already disputed this 2 times with credit bureaus and nothing gets fixed I also put a complaint with XXXX over a month ago and KIA MOTORS FINANCE wont answer to my complaint or message XXXX back. I also snapped a picture of my account that said I had no payments due on XX/XX/XXXX and {$0.00} principle balance but yet KIA MOTORS FINANCE has it Reporting to credit bureaus as charged off in my credit report.
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| 11/15/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( s ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
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| 11/15/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( s ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
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| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had turned in my lease early to XXXX in XX/XX/2019. The initial bill I received after turning over the vehicle was in mid XX/XX/2019. Over the next few weeks I was in direct contact with KIA Motor Finance and we came to a settlement agreement that I could XXXX and the rep on the phone as well as the settlement paperwork stated I had till a certain date to Pay. The rep also reassured it would not affect my credit if I made the payment by then. I upheld my end of the agreement making the payment in the agreed amount The very next day they reported to the credit reporting agencies that I was 30 days late and then again a few days of weeks later they reported I was 60 days past due all after I had made my payment. I called numerous times requesting they remove it and wrote letters asking they update my credit report to show I was not past due qe had an agreement in place and they have not. Recently I reached out to XXXX and requested the record to paid as agreed and removed the XXXX 60 days late which they agreed they only updated the paid as agreed status still not Removing that I was XXXX to 60 days past due. The credit reporting agencies I reached out to all of them did not resolve My dispute.
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| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX added over 18 inquiries to my credit report and it is fraud.
Are you familiar with 15 U.S.C. Sec. 1681i ( a )? It says if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct.
section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer.
Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.
I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter please. If you can not provide documents with my signature these inquiries should be removed immediately.
The items below should all, be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
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| 01/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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My lease contract included a {$350.00} refundable security deposit which Kia Motor Finance did not reflect on my statement which has a line item for the credit. I paid the amount I owed & sent KMF a letter explaining. Payment was made within 30 days of receiving invoice. I talked to a CSR person XXXX ( XXXX ) who acknowledged the contract mistake and said they would fix it. They didn't. Talked to another KMF rep who tried to collect the {$350.00} but wouldn't offer to help, correct, or contact the dealer. Finally a Kia rep, on XXXX, XXXX XXXX explained for the first time they received 2 contracts. KMF accepted a 2nd fraudulent lease contract from the Kia dealer who changed payment terms on the lease without my knowledge or signature. After KMF sent me copies of both, I confronted the dealer, got a check for the balance of {$350.00}, and promptly mailed it to Kia with an explanation. In the mean time they ruined my near perfect credit and have refused multiple attempts to change their report to the credit agency because they say my payment didn't arrive within 15 days of their mailing me a statement. I didn't receive the first statement dated XXXX until XXXX. I mailed the amount I owed on XXXX.
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| 12/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I had originally CFPB complaint # XXXX for Kia Motors not providing the correct Bill of Sale and Title after we purchased the vehicle. Kia omitted the sales tax we paid. Vehicle was originally a lease and we paid off balance in XX/XX/2021.
Kia finally provided the updated and correct Bill of Sale after the CFPB complaint. I have sent the signed Bill of Sale XXXX times to Kia Motors and they have not provided me the corrected title ( including the sales tax I paid ). I had mailed a copy of the signed Bill of Sale on XXXX. I also faxed a copies on XXXX and XXXX as evidenced by the fax transmittals.
I have requested a phone call from Kia to explain to me why there is such a delay. I have made numerous phone calls to the call center and their is no resolution or satisfactory action. It has been almost XXXX months from when the vehicle has been purchased. The car 's registration expired in XXXX and we have been unable to drive it since. Kia has not made any attempts in contacting me to explain. The latest mail postmarked XXXX ( but Kia letter dated XXXX ) provided the Bill of Sale. I have sent the requested signed Bill of Sale multiple times. A copy is included in the attached fax dated XXXX.
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| 01/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I called XXXX XXXX XXXX on XX/XX/XXXX. I was informed that I still owe XXXX after my payment of XXXX on XX/XX/XXXX. During XXXX I experienced some financial problems and XXXX XXXX XXXX allowed me to differ 4 monthly payments and stated that those 4 payments would be added on to the end of the term. However, through my conversation with two different supervisors, I was told that there are additional charges even after I have paid the 72 month term. My first monthly bill was on XXXX XXXX and should have ended on XXXX XXXX. Considering my 4 differed payments, my last payment should be XXXX XXXX. The supervisors stated the additional fee's are principal of XXXX. During my conversations with the associates that allowed me to differ the payments, the additional fee's and charges was never mentioned, other than the payments being added to the end of the term. I spoke to XXXX employee #XXXX on XX/XX/XXXX. I asked for her manager, she stated one would call within 24-48 hours and I have not received a call. I faxed a complaint letter to Customer care on XX/XX/XXXX. I called again on XX/XX/XXXX after receiving a past due text to my cell phone. I should not be liable for charges I was not made aware of.
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| 02/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a new XXXXXX/XX/XXXXXXXX XXXX at XXXX XXXX XXXX Oregon location with my spouse in the month of XXXX, XXXX. At as the time of purchased we legally signed a contract that stated customer Acknowledgement letter XXXX No Payment for up to 5 months .This is interpreted to Hyundai finance deferring my payment for 3 months, No Payment for 3 months, and Hyundais finance going to credit and pay car finance account up to {$1.00}, XXXX. The {$1000.00} would cover the car payment for the duration of XXXX subsequent months. The contract is for 72 months at the rate of {$480.00}. So technically, we not suppose to make any car payment until the month of XXXX.
As at today, XX/XX/XXXX my account is still showing outstanding payment, which prove that Hyundai finance are not holding to their part agreement and signed contract. The payment due date is XX/XX/XXXX. I have contacted hyundai finance and XXXX XXXX dealership several times, while they keep pushing me around with different excuses at every single time.
I would appreciate if this is throughly investigated and adequately ask Hyundai finance to hold to the end of their proposed deal. This have caused emotional trauma for me and my spouse.
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| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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On XX/XX/XXXX I submitted XXXX complaints to Hyundai motor finance and XXXX XXXX XXXX.
My transunion credit report is showing inaccurate information, it says I have a payment over thirty days late in XXXX of XXXX. This was the response I received from Hyundai.
In their complaint, XXXX XXXX XXXX states a credit bureau is showing a late payment for her Hyundai Motor Finance ( HMF ) account in XXXX. XXXX XXXX requests the late payment be removed from her credit report. While HMF is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to the accuracy of the credit reporting for her accounts. HMF has reviewed the account of XXXX XXXX and believes the reporting is accurate. HMF has reviewed the credit reporting for XXXX XXXX account with XXXX, XXXX and XXXX, none of which are reflecting any late payments on the credit reporting for her account. Should XXXX XXXX have a credit report from one of these credit bureaus showing otherwise, she may provide a copy to HMF, who will then re-open their investigation HoweveXXXX XXXXXXXX investigation on XX/XX/XXXX came back with something totally different. They said I have a late payment which is inaccurate I was never late.
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| 05/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American, Servicemember |
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Vehicle was paid off in XXXX. We have been unable to find title. Went to dmv they said Hyundai finance still showed lean. We contacted Hyundai they told us we could log on and print release letter. This letter and information was not accepted by dmv they requested a notorized letter. We contacted Hyundai finance XXXX. We're informed that they would process release and we should expect in about 14 days. After 21 days or so we called back as we had not received it. We were once again told it would be sent. Few weeks passed and nothing. Third time we called they told us it had been sent to XXXX XXXX We contacted XXXX and they have no info on receiving any letter. They also stated there would be no reason as to why they would receive it as the car was not totaled. We contacted Hyundai finance once again, after speaking to supervisor they were going to " escalate " to next dept. Waited for response with nothing. Contacted them again only for them to just go back to say we need to contact farmers. We again contacted XXXX they say there is no reason they would have it not a way to get it. I have tried for past 3 months to get this resolved with no apparent effort or reasoning by Hyundai finance
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| 12/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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XXXXXXXX XXXX XXXX Kia XXXX XXXX was repossessed and sold at an auction XXXX XXXX. I called Kia finance America today XX/XX/2022 for the details related to the sale because on my credit report its reporting as a XXXX balance due. I called XXXX XX/XX/202XXXX XXXX XXXX XXXX to request the bill of sales for the car sale transaction I was told by an employee that they dont have it. Employee stated that the auction doesnt provide a bill of sale to them. I said okay and hanged up, I called back again at XXXX XXXX to inquire how much the car was sold for the I spoke to the same person and this time around she was extremely rude and snappy at me. I asked her well how much was the car sold for? I was told {$22000.00}. I hang up and I called again for the XXXX XXXX to request in writing that my debt was essentially paid off in full. I got transferred to their lawyer department was on hold for XXXX XXXX and when someone picked up the phone they just abruptly hanged up. I just want the documentation that I was supposed to get in the XXXX place stating if I owe any money or not. Which I know I dont owe anything because If I did XXXX XXXX XXXX sure they will be breathing down my neck for their money.
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| 10/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I paid off a {$17000.00} loan for a XXXX XXXX from XXXX XXXX over the course of 60 months. My final payment was XX/XX/2021, and I received a letter of satisfaction. Last month, I went into the same dealership and was not able to negotiate the terms of a trade in for a new vehicle because they insisted on charging an enormous market rate adjustment for the new vehicle. I secured a deal for sticker price ( in writing ) and approved financing from another dealership. When I attempted to get a clear title, the XXXX informed me XXXX XXXX never processed the appropriate paperwork, and I could not have clear title to the vehicle I had paid off almost XXXX years prior. I contacted Kia Finance America, and they said the same. I repeatedly attempted to contact XXXX XXXX during business hours. No message was returned. The issue is time sensitive because I negotiated an existing deal which I could not accept and financing ( as interest rates are rapidly increasing ). The end consequence of these events is clear, XXXX XXXX is price gouging while holding my rightful documents XXXX, making me unable to do business with any other entity but them. This clearly constitutes are crime of financial coercion.
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| 06/02/2019 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I own a XXXX XXXX XXXX XXXX Vin : XXXX. Unauthorized by myself, a XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX took my leased SUV and landed it. When I called this Dealership they evaded my calls. I never signed to drop this vehicle off and never agreed to fulfill this transaction. XXXX XXXX believes I owe an early lease term. I moved to XXXX XXXX XXXX and before I could return to XXXX XXXX XXXX to pick up my vehicle, XXXX XXXX stated they have my vehicle. In order for this fraud to occur at this dealership it takes someone from the inside to facilitate this type of scheme of fraud events. XXXX XXXX XXXX the son of XXXX XXXX, which he works for XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX, which I feel he facilitated this fraud of events or at least is behind the scheme. When I contacted the dealership they immediately evaded my phone calls. I demanded a contract from this dealership in which they emailed this with no statement of facts attached. I am now without an SUV. I had medical issues with my XXXX and have not been able to see to contact anyone till now. I need this account cleared and a vehicle replacement as I can not get to doctor appointments.
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| 01/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My wife purchased a car from XXXX XXXX in XXXX OH in XXXX. On XX/XX/XXXX she paid the final balance as we were getting ready to trade it in. We made the trade-in on XX/XX/XXXX to XXXX XXXX also in XXXX OH. We explained to them the situation and that we didn't have the title, but that XXXX XXXX XXXX had said the title would be delivered within 10 business days and they said this was acceptable. On XX/XX/XXXX XXXX contacted us for an update on the title. We still hadn't received it so we reached out to XXXX XXXX XXXX for an update. They did not have one except that the title had not been processed. They said all they can do is submit a request for an update via email. We requested 3 more updates from the period XX/XX/XXXX to XX/XX/XXXX and filed two complaints on the matter. Each and every time we have finished with no resolution, no ability to escalate, and no estimated time for resolution. We are told that the only way customer service can engage with the title department is through email, and they have not received a reply. The only other option given was to file a complaint in writing to the customer service department we are dealing with. Attached is proof of payoff for the record.
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| 04/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchases a vehicle on XX/XX/XXXX with hyundai motors finance. I canceled a vehicle service contract XXXX extra warranty ) on XX/XX/XXXX. The dealership sent a check to this company on XX/XX/XXXX and the check was cashed by hyundai motors on XX/XX/XXXX. The check was made out to them with my name and last 8 digits of my Vin number. Hyundai motors finance applied the check to someone else 's account, how this happened who knows. I've been calling this company regarding this refund since XXXX and they kept telling me that they hadn't received the payment yet. I called the dealership XXXX XXXX XXXX XXXX to find out when the check was sent and when it was cashed. On XX/XX/XXXX they finally found the payment went to some other persons account so after sending 2 months of emails to their payment processing team the payment was found and then took them 4 more weeks to reverse the payment and apply it to my account. The account was paid off in XX/XX/XXXX and I have still not to receive my refund from this company. They still have my check pending and no one has taken the time to even have the payment sent out to me given that it has been 90 days already since this whole situation occurred.
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| 01/18/2018 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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This is with XXXX XXXX XXXX in XXXX XXXX California.
I 've been with Hyundai for over 6 years and I 'm leasing a second car now through XXXX XXXX. On my first lease I had over millage and I was told that I would receive by mail an itemized breakdown of the over millage, which I never received. Hyundai claimed they sent a letter and called me, and I never received either. Unfortunately, I found out through my credit score notifications I was past due on a payment. After I notified Hyundai to dispute payment about not receiving the bill they were rude with poor customer service. I 've wrote letters to all credit bureaus and Hyundai. I 've payed the bill and now my credit score and report is ruined. Im always on time with my car payments and never missed a payment so this is clearly an error on their end. Hyundai was sending the over mileage bill to the wrong address so therefore they should provide a Good Will letter to say I 'm in good standing with payments so it 's removed from my credit report. I also checked my online account and billing address, which had the correct address. I will never lease or purchase another car from Hyundai again due to what they did to my credit report.
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| 05/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I started the process to do the lease buyout of my XXXX XXXX XXXX. On XX/XX/XXXX, I paid kia finance {$14000.00} via the Kia Finance website. This payment was the amount that was quoted on the lease buyout quote that I pulled off of Kia Finances website. Kia pulled the money out of my bank account. I mailed them the odometer statement and bill of sale, which they require to release the title. Kia says they never received my mailed odometer statement and bill of sale. On XX/XX/XXXX, I faxed them those documents and also emailed them.
I called on XX/XX/XXXX, and they said my account is still active. They said they have not been able to apply my payment to my account. They told me they would fix it that day, and on that same day fed ex me the cars title.
Today, XX/XX/XXXX when I called Kia they said they have not applied the {$14000.00} payment to my account. They said they will do that now ( allegedly ), but that it will take one week to be able to release the title.
I feel like Kia is making me jump through hoops because the lease buyout is not most profitable to them. Having paid the remaining balance on the car and submitted all paperwork, they are holding my title hostage.
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| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} HYUNDAI CAPITAL AMERICA XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX
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| 10/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On my credit report Kia finance reported a late payment in XX/XX/2019 as well as XX/XX/2019. Neither of those months I was late. I contacted the company in XX/XX/XXXX about setting up an auto pay. XX/XX/XXXX the auto payments began. I asked over the phone in XX/XX/XXXXif missing XX/XX/XXXX would be ok, or effect anything and she told me no. Ive contacted Kia and they reported the only way to resolve this matter is submitting a written request. I submitted but was told it usually takes up to 30 days processing time. I also contacted the company back in XX/XX/XXXX to ask why and was given money back, as well as hung up on by multiple representatives. With no answers as to why they are saying Im late. And no answer why they gave me money back. When I was told to pay XX/XX/XXXX bill I paid it as soon as I found out. I was never contacted about a missed payment even though I had been to a Kia building to get service done I still was never told. My contact info was not up to date even though most companies verify up to date info when you call them. I was never late in either XX/XX/XXXX or XX/XX/XXXX. And this has negatively impacted my life through my credit score dropping dramatically.
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| 07/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American, Servicemember |
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I calledKIA motors finance on XXXX XXXXor a payoff amount on my XXXX KIA. I was given an amount that would have had me paying over {$400.00} more then originally owed. When I asked to have it explained to me all they would say is I had to pay the payoff amount they showed and I would get a refund after overpaying. Loan details were for 36 months at {$330.00} per month for a total payment of {$12000.00}. Which the representative acknowledged would have the total loan repaid. However, after I made 34 on time payments of {$350.00} each thinking I would cut approximately one payment at the end. I overpaid {$400.00} in total which I come to find out they do n't take that amount from the principal but for some reason a portion is applied to some form of unearned interest. I 'm unable to get my brain around this as the representative along with her supervisor XXXX, which I requested, he also would only say I had to overpay and trust them to return any excess. This defies logic, why would I pay more then owed. Is this legal? I have no idea if I have any recourse but to do as they say and overpay and just trust them? Who writes the laws that allow a company to do this type of accounting?
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| 07/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Around XX/XX/XXXX I paid Hyundai motor finance through my bank.. it was taking too long to receive the check so I reached out XXXX and stated I will make a direct payment through another source and to not process the check.
On 2 occasions they processed the check after they received the payment and charged me 2 {$50.00} insufficient funds fee When I saw my invoice i immediately reached out trying to get the fees waived and no one would help I was hung up on and refused when I asked for a supervisor..
Finally in XXXX I spoke to a supervisor that was extremely rude and refused to remove the fees even though he verified that he saw the notes. I told him I see the issue you see what Im asking and he still refused saying they refund a fee already paid, I stated Ive been trying to get the fees erased since they were applied and still got nowhere When I stated I would reach out to my attorney he proceeded to say do it Now they are holding my title and ruining my credit because they continue to report non payment When I lost my job I let them know and they said theres nothing they could do even though I could have deferred my payments 2 times a year and I hadnt in XXXX or XXXX
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| 01/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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Open loan XX/XX/XXXX amount {$20000.00} XXXX months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee.
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due.
paid the loan on XXXX months current on XXXX month therm. loan current every month.
period XX/XX/XXXX to XX/XX/XXXX current.
the CoXXXX HUNDAY MOTOR FINANCE report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to XXXX credit agency credit report. XXXX, XXXX and XXXX. The Co. promise of correction nothing came.
I lost XXXX point for false report from HUNDAY MOTOR FINANCE.
I contact the Co. on the phone promise of correction to fix the problem. Nothing came.
I contacted from dispute the XXXX credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX.
the Co. HUNDAY MOTOR FINANCE return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the XXXX Agency.
I am current loan pay satisfactory and no charge off delinquency late payment
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| 06/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I was involved in a motor vehicle accident on XX/XX/2023, which resulted in my leased vehicle being totaled. It was the other drivers fault and they were issued tickets. I started my insurance claim that same day as soon as I was released from the hospital. On XX/XX/2023 my insurance company sent all required documentation to my lease company, Hyundai Motor Finance. It was verified by myself, my insurance, my local insurance agent, as well as my local Hyundai dealer that Hyundai Motor Finance was in receipt of the documents they needed to send my insurance company a letter of guarantee so that my insurance company can send payment to take care of the lease balance. They verified via phone as early as XX/XX/2023 that they in fact had this paperwork in their hands on XX/XX/2023. Their calls are recorded and it can be verified that myself, as well as other people trying to help me with this, were in fact told that Hyundai Motor Finance said multiple times that they were in receipt of the paperwork they needed and they would send a letter of guarantee to my insurance company which is the next step in the process. It is now XX/XX/2023, a month later, and nothing has been sent.
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| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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Kia motor finance applied a payment in XX/XX/2020 incorrectly. This resulted in the account reporting as 30 days late. I attempted to dispute this with Kia finance and was refused by multiple employees over a two week span. I was told to file a formal complaint I would have to speak to a specific supervisor, to call back at a later date, and then repeatedly told I would receive a call back to complete my dispute. None of these things happened. I disputed the error through XXXX and it was updated on me XXXX report. I am going through the process of applying for a mortgage and was told it is not reflecting on my credit report. I asked Kia to provide some documentation to me that the account was in good standing or show that the correction had been made and they refused on XXXX at XXXX XXXX I spoke with XXXX a supervisor who said they would provide a letter of account current status. This never happened and when I called back I was told by three different supervisors and eventually XXXX, the senior customer service supervisor that I would have to call corporate and take legal action because there is nothing that they could provide me for documentation of the correction.
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| 03/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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On XX/XX/XXXX My Kia XXXX was totaled. Between The insurance company ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from Kia Motors stamped PAID IN FULL on XX/XX/XXXX. In XXXX I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called Kia and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from Kia Prior to that notice on my report. I have two letters from Kia finance who informed me that as of XX/XX/XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with Kia with no additional information.
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| 02/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Deliberately Withhold my Consumer information, Dear/Sar/Madam, I have had attempted multiple times to get my consumer information from kia motors through phone , email and through the account portal that kia motors failed to provide me the information what I am looking for as a way deliberately withhold or conceal my consumers information.
1.Freezed my account/rejected my payment 2.My email, mail, online, phone requests to get get my documents got rejected.
I again request kia motors to forward me the following consumer informations to my email address associated with my account if possible ( XXXX ), otherwise to mail me to my mailing address " XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX '' 1.My Online kia motors finance information and updates that I did including if there is phone number change, address change, alert chage and consent type.
2.All billing statements that I did 3.My loan agreement that I did with you.
4.Notices that you sent to my address in each step of your collateral seizure/repossession ( It can not be called repo in Nevada what you did . ) 5.if possible, limited access permission to my online account/just to revise my documents.
Best Regards
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Re : Letter to remove inaccurate credit information To whom it may concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not.
I also respectfully request to be provided proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to my creditors who have requested a copy of my credit report in the last 6 months.
Please send an updated copy of my credit report to the address on file.
Thank you for your prompt attention, time and help in this matter.
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| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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I was in the XXXX XXXX and purchased a XXXX XXXX XXXX in XXXX of XXXX. Hyundai financed it at more than {$10000.00} OVER the value of the car. ( All documents attached ). They never should have financed this vehicle. We contacted Hyundai and the dealer within XXXX hrs of purchase, expressing concerns. Hyundai employee stated basically that since I was military I would have to pay the car loan or get in trouble with military. ( see attached notes ) The concern was this loan was WAY MORE than the vehicle and never should have been made. All other banks declined a loan stating we wanted more than value of car and it is not possible. Hyundai approved it immediately. Frustrated I continue to pay the car. I should NOT have signed the finance papers but being young and stupid I did. However, Hyundai should NEVER have agreed to finance this vehicle for so much over. I have been paying on this car for XXXX XXXX years and found out you might be able to help me. I would like to either have Hyundai take the car back and relieve me of this loan ( with no effect on my credit XXXX or clear me of the loan and let me keep the car since I 've been paying it for over XXXX XXXX years.
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| 01/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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I have been trying since XXXX to register my car in the state of XXXX. In order to register my car XXXX XXXX needs to send the title to the state I am registering it in.
On XX/XX/XXXX XXXX XXXX confirmed that they have the title. We requested for it to be mailed to the local tag agency. XXXX XXXX said it would be XXXX - XXXX business days for them to send it to my local tag agency. Numerous other calls for the title were made on XX/XX/XXXX, XXXX and XXXX, XXXX to no avail. Each date I was told it had been mailed.
XX/XX/XXXX XXXX XXXX stated that they have not mailed the title due to an internal paperwork issue and it may be XXXX business days before it can be resolved. On XX/XX/XXXX they are now saying the paperwork issue still has not been resolved and it will take XXXX business days.
I do not know what to do at this point. XXXX XXXXXXXX XXXX special agent said he/she can not talk directly with their title department ; there isn't a number for a supervisor ; they have no complaint department ; and no email or fax.
Due to the continued misdirection from XXXX XXXX I request that CFPB investigate and the title be XXXX to the local tag office expeditiously.
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| 09/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XXXX - I originally owned and was financing a XXXX purchased in XXXX XXXX.
XXXX - moved to XXXX and traded in my XXXX for a XXXX XXXX XXXX XXXX. Also finance.
XXXX - moved back to XXXX XXXX and attempted to change my registration to get XXXX plates.
From XX/XX/XXXX until now, XX/XX/XXXX, I have made many many phone calls to XXXX trying to resolve the issue and get my title released to change my plates. I keep getting the workaround of waiting a week, 2 weeks, etc., even after speaking to managers. Some people at the company have said they sent the title to my address. Others in the very same day would tell me the title was never printed yet and to give them another week. Just lies and the same workaround. I was also told my title was sent to the XXXXDMV and to ask them about my title. I have been spending excessive amounts of money on tolls just because I cant change my plates to XXXX. I am also at risk if someone decides to stop me and check my registration since I should change my plates to XXXX within 30 days of moving back.
This is so infuriating and frustrating and Im tired of getting jerked around. I just want my XXXX title so I can change my plates.
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| 02/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I'm an XXXX XXXX service members stationed in Virginia who leased a vehicle through Kia motors. I provided proof of XXXX XXXX status at the time of purchase but was billed incorrectly by Kia motors some months later due to the fact that Kia motors was incorrectly applying a county tax law to my lease. I spoke with Kia motors numerous times and even sent Kia motors the actual county law, proof of XXXX XXXX ID card as well as my XXXX XXXX orders that showed me stationed in Virginia, but not as a resident. Kia motors failed to act on this information and even failed to address this with the local tax office ; which eventually led me to speak directly with my local tax office. On XX/XX/2021, the local tax office, XXXX XXXX XXXX ( XXXX ), VA awarded me a refund of those taxes and returned the amount back to Kia Motors Finance. On XX/XX/2021, I received a call from Kia motors collections, demanding that I pay a past due amount that was related to those exact taxes that were incorrectly taken. I asked to speak to their managers on two separate occasion and at both times were informed that no one was available and that they would return my call, which never happened.
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| 02/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I tendered instrument to satisfy my loan on two occasions verified my USPS mailed and delivered the payment Spoke with HYUNDAI and confirmed they will track my payment and removed repo They refused to send anything in writting They stated it 's against their companies policy to provide " communication '' via mail.
This morning someone came onto my private property and stole my vehicle. Left no identification nor did they leave any paperwork.
I called Hyundai and they said I was a debtor and not a creditor. They also stated that they did not receive the payment which was a lie. They said take it up with the post office ...
ACCORDING TO THE 9-102. : 3 ) " Account debtor '' means a person obligated on an account, chattel paper, or general intangible. The term does not include persons obligated to pay a negotiable instrument, even if the instrument constitutes part of chattel paper.
( 28 ) " Debtor '' means : ( A ) a person having an interest, other than a security interest or other lien, in the collateral, whether or not the person is an obligor ; ( B ) a seller of accounts, chattel paper, payment intangibles, or promissory notes ; or ( C ) a consignee.
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| 01/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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XX/XX/XXXX i put in for a 2 month deferral ( for XXXX and XXXX ) with Hyundai Motor finance. They approved it and my next statement showed that i owed my regular monthly payment on {$470.00} on XX/XX/XXXX. At the beginning of XXXX i put in a credit dispute because Hyundai was reporting that my payments were behind. This is untrue because i had got the deferral and my account was current. I called Hyundai and they stated there is a glitch in the system and that they would fix it. I received my credit report dispute facts back and it stated that my account would be updated to reflect the correct status ( that i am current ). The other day on XX/XX/XXXX i received a call from Hyundai stating that i owe XXXX something to them. They said it was for " Late fees and return payment charges ''. IF this is true why did that not reflect on my account when i had the deferment so that i could pay them? Now they just threw the fees in there, never contacted me to advise me and they are saying i am late on my payments again. If i would have known about the fees i would have paid them when i didn't have a car payment for 2 months. I feel this is a wrong way to do business
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| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I tried to resolve an issue with Hyundai XXXX about the incorrect late payments posted on 3 credit agencies I had a loan and I always paid on time - 0 late payment during Covid I called and applied for a forberance and I was told that my payment - during XXXX where not going to be reported as late.
instead XXXX reported me late for 3 times I m now pulling a loan for a mortgage and those XXXX late payments are affecting my ability to get a good deal with the Lender XX/XX/2022 I received a letter from Hyundai with the verbiage '' the disputed information is accurate as reported " XX/XX/2022 after i re-disputed I have got the same letter XXXX XXXX after a 3rd dispute I have got the same letter they are not doing what they said- they are harming my credit after I was promised three times from them - i called 3 times for the forberance - that i could stay assured NO Late payment were going to be reported as late.
In 6 year of the life of the loan not 1 late payment- this is on all the 3 agencies credit report what they are doing is wrong and unfair- they need to correct and keep up to their promise!!
Thank you for reading so far.
Sincerely XXXX XXXX XXXX
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| 02/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX Kia Motors Finance XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX Dispute of Account Account Number : XXXX Our File : XXXX To Whom It May Concern : This letter is written on behalf of XXXX XXXX who leased a XXXX XXXX XXXX from the XXXX XXXX of XXXX dealership on XX/XX/XXXX. He is in receipt of your letter dated XX/XX/XXXX wherein your company claims a balance of {$400.00} is owed.
XXXX XXXX asserts that when he returned the leased vehicle to your company he did it in a timely manner. Moreover, he maintains he returned both keys associated with the vehicle. Enclosed please find proof that demonstrates not only the return of the keys but acknowledge of its return by XXXX itself. In light of the aforementioned, XXXX XXXX hereby demands your company cease and desist from any further collection efforts against him and notate that his account has a zero balance. Please be advised that if we do not receive a satisfactory written response to this letter within ten ( 10 ) days of your receipt of this letter, we will advise XXXX XXXX XXXX as to the legal avenues available to further protect his legal rights.
Sincerely,
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| 06/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Servicemember |
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I have tried to resolve this from XX/XX/17 to the present. XXXX XXXX XXXX said they would pay my final months lease payment because I turned the car in one month early.They checked the car in and there was no damage. I leased a new car from them and 3 months later I get a bill for XXXX from a collection agent. I then started calling Hyundai Motor Finance and the dealership. I have emailed, and sent documentation proving that I am accurate and honest about the sequence of events. After 5 months of fighting with XXXX XXXX XXXX they gave me XXXX. The entire time I was speaking with Hyundai Motor Finance. I then called them, and put in writing that I would pay the bill, but I wanted this off my credit report. They refuse to correct my credit report. The dealership that represents HMF lied and did not do what they said they were going to do and they damaged my credit. I have 30+ pages of documentation and numerous requests to have HMF remove this from my credit. HMF refuses to acknowlege that they are wrong. HMF has ZERO customer service, and they refuse to accept responsibility for their dealership that represents XXXX. All they want to do is trash my credit.
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| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Got an alert that Hyundai motor finance opened an account. I did not authorize. My old account should be reporting XXXX.
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information.
Account XXXX lawfully on XX/XX/XXXX.
By payment in full.
Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX.
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times.
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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Hyundai has tried to maligned my name and reputation in the hopes that it will dent my credit score and make not credit worthy.
Hyundai is a XXXX company, For XXXX XXXX years, I was with them, the Hyundai finance XXXX never had any problems with me and all the overages, high interest rates that I paid for their vehicles. All was well throughput those 9 years. Once I was tired of the disrespect and XXXX abuse, they have chosen to lie about me and my reputation.
In 9 years ( XXXX to XXXX ). I humbly subjected myself to their lies.
Now credit card companies are all denying me credit and claiming that I defaulted on a loan. Even during the XXXX Recession and global meltdown that impacted all facets of credit life. I chose to pay all my loans when I could have justifiably filed for bankruptcy. XXXX XXXX and XXXX XXXX can attest to these facts that I paid all my loans.
This is my last recourse because Hyundai finance XXXX is trying to silence me, perhaps as they have similarly done to other XXXX people.
I pray to XXXX that they do not succeed this time. Overtime the truth will come out about how XXXX Hyundai Finance Company has been to many of us.
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| 08/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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In XX/XX/XXXX I paid the lease residual payment of {$15000.00} to Hyundai Motor Finance for a XXXX XXXX XXXX they sent a title to me that was received in XX/XX/XXXX it was the original XXXX title that was issued to Hyundai went to motor vehicle to find out that there was another title issued to them on XX/XX/XXXX from the New york DMV and have been constantly in touch with them trying to get the paperwork I need to title the vehicle that has already been paid for it has taken numerous calls to get nowhere with Hyundai finance I have reached out to them and spoke to their customer service for the last 3 months everything is recorded and documented and I don't understand how they do not get in touch or give you the proper paperwork after a full payment has been made on the vehicle my last call was XX/XX/XXXX which I was told that it could take up to 5 to 10 business days again to find out what is going on unfortunately Hyundai Motor Finance has a closed system to email each other and has no other alternative to talk to the title department after they collect your money I would like to make that complaint against them thank you for your help in advance
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| 04/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I completed a lease buyout of my XXXX XXXX XXXX as of XX/XX/XXXX.
I was sent the title for the vehicle with several errors on it included an incorrect buyers address as well as an incorrect odometer reading. This incorrect information is now preventing me from transferring the title to my name so I can register or sell the vehicle.
I have called and submitted multiple requests to Hyundai Motor Finance and have been told for weeks that I would be receiving " affidavits of correction '' to reflect the correct information on my title so that I can transfer it to my name and register the vehicle in my name.
On XX/XX/XXXX I made my second request for the affidavit of correction and was told the request would be complete in 3 business days. On XX/XX/XXXX I called again and was told the request was still pending and no other updates would be available.
I have discovered that XXXX outsources this service to XXXX XXXX XXXX XXXX in XXXX Georgia. This is why XXXX is unwilling and incapable of doing anything but submitting new requests that never seem to get completed. They intentionally conceal the identity of the company they outsource the service to.
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| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased a XXXX XXXX XXXX 2 years ago and financed it through Hyundai Motor Finance. I took out a home equity loan in XXXX through XXXX XXXX XXXX XXXX and had a cashier 's check drawn from my account to pay the XXXX off. I mailed the payment and they sent the title too XXXX XXXX. XXXX XXXX had nothing to do with the title. I paid Hyundai. I've tried working through both Hyundai and XXXX XXXX to resolve this. XXXX XXXX said they can't help as they have nothing to do with the vehicle. I've made multiple requests to Hyundai Motor Finance informing them I paid the car off. They refuse to correct the title as they said XXXX XXXX is the new lien holder. I explained their not, I paid it off. They don't believe I could do that. The credit union can't help as they have nothing and XXXX wont help even though they sent the title to them in error.
The XXXX says I need a release from XXXX XXXX but again they say they have nothing to do with the vehicle. Hyundai refuses to send me anything to allow me to get the title. I now have a car I can't do anything with bc I can't get a title. I had to buy a new vehicle and an stuck with a car I can't get rid of.
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| 06/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In XXXX of XXXX XXXX Kia XXXX was financed thru Kia Finance. The car was totaled XXXX XXXX In the month of XXXX the car was paid in full by the insurance company and the extended service contract provider. i also purchased gap insurance. On XXXX XXXX the gap insurance refund was issued to the Kia store east. Kia store east sent the refund in the amount of {$1000.00}. The amount was then supposed to be forwarded to me since the loan had been paid in full since XX/XX/XXXX. It has taken me since XX/XX/XXXX till XX/XX/XXXX to receive the information where the money was. I contacted Kia Finance on XX/XX/XXXX, they claimed that they mailed the refund check in XXXX. I never received the check. Kia finance then searched to see if the check had been cashed .It had not been and was still Outstanding. XX/XX/XXXX they canceled the check and said they were reissuing the check in 7-10 business days. i called back XX/XX/XXXX still in process and to give them additional 7-10 days to recieve payment I called XX/XX/XXXX, they claimed the check has still not been issued. I feel now they are giving me the run around because every time i call different story
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| 02/25/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX I co-leased a XXXX XXXX XXXX at XXXX XXXX, today XXXX XXXX in XXXX XXXX, CA, without any problem or late payment for more than two years. Unfortunately, on XX/XX/XXXX this car had an accident and was totaled. The insurance made all the arraignments and paid Kia Finance a total of {$15000.00} on XX/XX/XXXX supposedly for the full payment of the car and covering all the expenses owed. Until XX/XX/XXXX we received an email from my credit card company saying that there was a change on our credit report and to our surprise there was still a balance on the Kia Finance account of {$280.00} dlls money owed for a car that was no longer in his possession since XX/XX/XXXX and that XXXX XXXX assured that the account was cleared. XXXX XXXX paid what was requested from KIA FINANCE but it seems that a balance was left unpaid and we never receive any letter requested by mail, email or call. To end this situation, we paid the balance of {$280.00} on XX/XX/XXXX but the damage to his credit was already done.
We made calls and sent letters to Kia Finance clear this out, that I was never late in any payment but the company denied to fix it.
|
| 12/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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As of XX/XX/XXXX I have paid off my vehicle loan to XXXX XXXX XXXX and they have acknowledged this is writing. However XXXX XXXX will not release an electronic hold on the title which they have in their system so that the Florida DMV can print out my car title for me. I have phoned them multiple times about this.
On XX/XX/XXXX when I was at the XXXX, FL DMV I had a DMV employee to phone XXXX XXXX and the employee and I both requested that XXXX XXXX release the electronic hold so that my title can be printed out but XXXX XXXX would n't do it. A FL DMV employee told me that the DMV prints out XXXX car titles for owners everyday after XXXX XXXX releases the electronic hold on the title. XXXX XXXX knows exactly what to do to finish their job to allow the FL DMV to print out my title but they refuse to do it and only give excuses or delays.
Also on XX/XX/XXXX I phoned XXXX customer service and talked with XXXX XXXX and stated the problem. She said that she would email someone and tell them to release the loan but the DMV employee and I had already tried to get that done to no avail. So this phone call to customer service was not helpful.
|
| 12/12/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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I have been for weeks asking assistance due to the hurricane Irma so that one of my payments can be placed at the end of the lease and after having multiple conversations with several representatives of XXXX XXXX, I have arrived to the conclusion that they have made fun of me. They told me that they had already submitted the request for the approval of such assistance, days later on some other conversations I was told that the assistance had already been approved and that there was nothing to be worried about because all was current and in order with the account. Yesterday, I got a letter from XXXX XXXX reflecting still a due amount not corresponding to the supposedly new approved schedule of payments and today I called them out and was told that the request for assistance with one payment at the end of the lease due to special circumstances of hurricane Irma had never been created nor submitted. This is a total lack of respect to consumers which is by the way a pattern with XXXX XXXX due to the their abusive and predatory practices on a regular basis plus the excessive charges and fees that they charge to their costumers constantly.
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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In XXXX of XXXX Hyundai bought back my car. In mid-late XX/XX/XXXX, I received 1 letter stating treat I had a balance left on my car due to leasing contract and the amount the car was sold for. On XXXX XXXX within a week of reviving the letter and after discussing with Hyundai why I was being build in the first place, I paid the bill. I have a paid in full letter backdated from there. In XXXX I was notified my credit was destroyed from a good to great credit score to poor. I investigated through lender tree and have applied for disputes. XXXX disputed and won removed derogatory remark, XX/XX/XXXX fought delinquent and won- they then put the derogatory mark back on my credit on XX/XX/XXXX, I disputed again and won and again fought on XX/XX/XXXX. Every month the same complaint gets out back on my card and damages my credit further even though I have spoke with Hyundai in video recorded conversations and they stated that the account was closed and paid in full since XX/XX/XXXX. I have a paid in full letter from Hyundai from my first investigation as well as my second. My credit is constantly changing and being affected by this company.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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On XXXX I spoke with XXXX from KIA XXXX XXXX XXXX. They had a XXXX XXXX XXXX XXXX I was looking for and I asked if there is any way I can put a hold on it. I already was pre approved with XXXX XXXX XXXX XXXX and was ready to purchase a vehicle. XXXX said the only way to know I'm serious is by pulling a soft credit on me and they would keep it until Saturday. I said that's fine. She sent me a link through text and I entered my info. It looked like the KIA website but it was actually sent to other locations because i received other calls from creditors. When i told XXXX I was done she told me the price and i told her I was no longer interested. I then started calling other KIA 's. I called one in XXXX and they had the car I wanted. I told them I ran my credit already with KIA so you should be able to see my credit report ... would you be able to hold it? They said no because I did it through the XXXX website. I was furious because I had told XXXX i had a loan already and i figured this was only going to KIA. She didnt explain to me that it was going to other lenders. The XXXX agent also told me they dont hold cars by pulling credit.
|
| 08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved.
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with XXXX, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX shows as I have no free access to their credit report at this time.
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.
|
| 05/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American, Servicemember |
|
We purchased a NEW XXXX XXXX in XX/XX/2021 and took out a loan with Kia Finance and we paid every month on time and actually paid in advance and in XX/XX/2021 and we only have a couple hundred dollars for payoff the vehicle which we sent a check on XX/XX/2021 for final payoff payment of {$200.00}. However the KIA Automotive Billing Department keeps sending us correspondence saying " your payment of {$200.00} IS PAST DUE '' THAT IS VIRTUALLY IMPOSSIBLE.
We called the billing Department and they agreed there was an error but refused to send us a confirmation that there was an error. Talked to various people including a manager and they all refused to sent a confirmation of the mistake. A week later we get a bill saying we owe XXXX and there will be a LATE CHARGE OF $ XXXX.WE CONTACTED THE BILLING DEPARTMENT AGAIN AND IT WAS THE SAME STORY " WE CAN NOT SEND YOU ANYTHING VERIFYINF ALL THE ERRORS, BUT WE WILL MAKE NOTES IN YOUR RECORD. We paid this loan off years early and they keep sending us this kind of correspondence that will affect our credit rating of XXXX. We are never late paying anything always pay off early, just like now.
|
| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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On XX/XX/2021 I submitted a letter to XXXX disputing the accuracy on a charge off account they have been reporting on my credit report Account # XXXX. ( See attached letter ). Their response to me on XX/XX/2021 confirmed that the all information being reported is accurate and correct. They provided me with a copy of the original contract. They are reporting this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There was no loan agreement in place. No goods or money were loaned to the alleged debtor. It is a violation of the FCRA to knowingly furnish or report false information. ( See attached copy of contract ). They are also reporting this inaccurate account as Open on XXXX and Closed on XXXX. ( See attached documents ). They are reporting a recent missed payment on XXXX and that is Incorrect as well and caused my credit rating to drop and because of this inaccurate reporting caused me to be declined for a credit increase with my bank during this pandemic. ( See attached document ). I have tried to get this corrected with them and they have refused to make things right.
|
| 05/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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On XX/XX/XXXX, I received an email notification from XXXX stating that Hyundai Motor Finance has posted a " Charged-Off '' account of {$16000.00} against my credit score. This resulted in -58 points from my overall credit score. I haven't owned a Hyundai vehicle since 2016 and it has been fully paid off by XXXX. I tried contacting Hyundai 's finance department and customer service department and it's impossible to get a hold of anyone. The automated message system states, The line is unusually busy. Please try again next time, '' and just automatically disconnects the call.
In addition to filing a complaint with Consumer Financial Protection Bureau, I've already contacted XXXX, the Attorney General of Texas, and the Attorney General of California 's office to lay out the necessary steps to dispute this false claim and to make sure the public is aware of the distasteful unethical business practices by Hyundai during this ( COVID-19 ) unprecedented time.
Additionally, Id like to mention that the name appearing on the attached document, XXXX XXXX XXXX, is my father who had co-signed the Hyundai Vehicle at the time of purchase.
|
| 08/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XX/XX/2022, had an accident in my leased vehicle. My insurance company declared a total loss on XX/XX/2022.
On XX/XX/2022, my insurance company sent a check for {$24000.00} to XXXX XXXX XXXX XXXX, which was cleared on XX/XX/2022.
My lease for Hyundai was due to expire in XXXX, XX/XX/XXXX, and we were in the process of speaking with our bank to get a loan to cover the {$14000.00} buyout amount at the end of the lease.
Because the insurance paid XXXX XXXX {$24000.00}, there is a discrepancy of {$9700.00} which is in credit on the account. Hyundai refuses to pay me the difference ( the credit amount ) on the account, after giving me false information every time I have called them over the past 6 weeks.
I have been told that a check will be expedited, that a manager needs to evaluate the account after 30 days, that the manager needs 5-7 days to evaluate the account, that it could take an additional 10 days to process the check and send it out, and now that they won't release the funds because it was a leased vehicle. I even asked if it could be transferred to a new vehicle purchase, and they said that was not an option.
|
| 03/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I paid my vehicle loan off in XXXX of XXXX. I have never received a lien release on this vehicle. I have called the company in XXXX of XXXX to inquire about getting my lien release sent to me. I have called about 5 different times and still haven't received my lien release. I am needing to sell this vehicle and as it is sitting and depreciating for months. I keep being told they are working on it and it is going to be 7-10 business days each time I call. The last time I called on beginning of XXXX they said it was sent on XX/XX/XXXX, which was a Saturday. It still hasn't arrived. And they were going to put another request in that I should have received it in another 7-10 business days. Now it is another month later, which now has been going on 3 months I still have yet to receive this letter to be able to sell my vehicle. And the department that does the lien releases do not take phone calls and are only done via email. And I can not be copied on these emails to know it is being sent.
Worst customer services I have ever dealt with. And I bought my vehicle in XXXX brand new off a truck. Will never do business with them again.
|
| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I had a lease from Kia motors finance and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called Kia finance, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date.
All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, Kia changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of XXXX.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hyundai / HMFUSA.COM had an error on my XXXX XXXX XXXX lease. They Had put that I missed 2 payment 's Which is incorrect it's on autopay. I provided them with the copy of the monthly autopay from there financial website.
Even then after providing them with the information they had my car towed. Costing me to pay {$1.00} for Hyundai comes to find out it was not for late payments it was for excise tax in the state of Massachusetts and I haven't received any notice on the mail. Notice I have two Vehicles lease with them never had any problem the second car is a XXXX XXXX XXXX.
After the issue I ended up also having to pay for the tow that was {$350.00}. So {$350.00} for tow {$1500.00} for Reinstatement fees according to them and the excise, which I haven't received any notice in the mail or haven't got taken out of the autopay that they have with my bank account. So my vehicle got repossessed for not making payments is not correct. It was not sent to me the excise tax for some reason and they also marked my credit report for 2 missed payment 's on my lease payment 's Which is incorrect. They claimed they can't fix the error.
|
| 09/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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My Auto Loan was with Kia Motors Finance company Acct # XXXX Original Loan Amount {$19000.00} Paid Off on XXXXXX/XX/2021.Vin # XXXX On XXXX, XXXX I Contacted the company about the Title. I was sent a Letter Reflecting that the Balance was paid in Full.. I was advised that Due to the Virus it would take longer to get the Title.. Once again I contact the Company XXXX XX/XX/2021 about the Title.. This time they Informed me that the Title was Sent..I Explained that I NEVER received the Title... .I Ask when was IT SENT AND where!!! The Employee stated that it was Sent to my Home back in XXXX I then Ask why wasn't the company Aware of that back in XXXX, and that I had been Calling for Months.XXXX On XXXXXX/XX/XXXX I received a letter..The letter states as following : Please accept this letter as Verification that Kia Motors Finance No longer has a Interest in one.XXXX XXXX XXXX XXXX Model : XXXX! XXXX This Kia Motors company has been given me the Run around for Months!!! Where is My Auto Title??? The company has Acknowledged that I OWN the Auto.. We shouldn't have to Track/Pay for a New Title.. Please Assist me with this Matter..
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| 10/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from Hyundai Lease Title company before the lease expired at the end of XXXX ( attached bill of sale ). I paid them {$27000.00} for the total purchase. That amount paid included {$1600.00} which I paid them up front to pay the state of Ohio. When the title was mailed to me, I was never sent a check for the sales tax {$1600.00} to pay the state of Ohio. Kia/Hyundai kept that money for profit, even though it's in the bill of sale listed as sales tax.
They mailed me a letter ( attached ) which stated to call them if I didn't receive the check addressed to the County Clerk of Courts. I called them 3 times and they said they would process a check, but never have and they don't plan to. I can not transfer the title to myself until I pay the XXXX XXXX title company sales tax money, which Kia is keeping. I'm sure I'm not the only one Kia/Hyundai is taking advantage of by claiming they need sales tax for a sale which in fact is just a fake line item for their own profit.
Please advise how I can get your help getting this money from Kia/Hyundai so I can transfer the title.
Thank you.
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| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files.
KIA FINANCE AMERICA XXXX Open Date XXXX XXXX, 2018 Balance : {$6700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I originally sent a dispute out to all 3 bureaus ( XXXX, XXXX, and XXXX ) to have Kia Motor Finance and XXXX accounts removed from my credit report do to false and misleading information on my report/file. XXXX is reporting that I owe {$18000.00} and Kia Motor Finance is reporting that I owe {$11000.00}. XXXX immediately deleted all the following accounts from my report because they knew they didn't have my consent to actually report these fraudulent accounts on my report/file. XXXX & XXXX haven't budged one bit one removing these accounts from my report even though I filed and FTC report as well. I was on the CFPB website and I read something stating " Credit reporting companies must forward your dispute, including all relevant information, to the furnisher ( the company that originally gave the information to the credit reporting companies ). if the furnisher corrects your information because of your dispute, it must correct that information with every credit reporting company with whom it has a relationship ). These accounts do not belong to me and also there was NO consent given to report anything on my credit profile.
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| 11/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I had a loan with Hyundai Motor Finance. Paid off the loan on XX/XX/XXXX for XXXX $ via check. But the company told that they never received the check even though they received it and told me to make a online payment of XXXX $ same day in order to avoid further charges. They even told me that if they receive the check it will be voided. As soon as I did the online payment they took out two payments one for XXXX $ and XXXX XXXX On asking for the refund for the overpayment of the loan they told me it takes 15 days to process the refund. I have been calling Hyundai since then every friday for the loan over payment check but havent received anything. I am getting different answers from hyundai that they are processing and after that they told that they are sending but it might take a while. I have been waiting for the money since last 4 months. They are not even willing to expedite the delivery of the check in order to help me out. I can provide the proof of statements for the over payment. Also I have written multiple letters to the complaint department in Hyundai regarding my issue but no response from HYUNDAI MOTOR FINANCE.
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| 05/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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My vehicle was deemed totalled XX/XX/XXXX. I sent the POA and other documents to XXXX XXXX XXXX who forwarded the information to Kia Motors Finance on XX/XX/XXXX. Supposedly the documents were never received, so the letter of guarantee to actually close the loan was not issued. I was told multiple times before XX/XX/XXXX that the documents were received and the letter of guarantee had been sent. However, when I spoke to an agent on XX/XX/XXXX, I was told the documents had not actually been received. I requested for the insurance to resend and supposedly this was done on XX/XX/XXXX, which KMF verified when I've followed up. I was told the LOG would be sent in XXXX business days and as of today, XX/XX/XXXX, no LOG has been generated. I've called, as well as the insurance company, and each time, no one can provide an answer, but can only escalate the issue. I've requested information 4 times from the Total Loss department and received nothing in response. In the meantime, the loan is still open and I'm required to make payments that are hard to produce, especially considering that I have now had a new car for THREE months.
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| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I purchased a new car from Kia Motors Finance in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXX west where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a post office box. I can only assume that the mail was returned to Kia by the USPS. I went to the dealership who told me that Kia would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a 147 point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value.
I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me.
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| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX is obligated by the FCRA to report accurate accounting. A charge off account from Kia Motors is reporting on my credit report. According to IRS publication Topic no. 431, Canceled debt Is it taxable or not? States : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification.
In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable.
A charge off is considered income by the IRS and income can not be reported on my credit report.
Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This charge off displays under XXXX reporting system only.
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| 11/16/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I leased a vehicle from Kia Motors and shortly after that I got married and changed my name. I 've attempted to update my name with Kia Motors since XX/XX/XXXX and have not had any success.
As of XX/XX/XXXXI moved from XXXX ( where I originally signed the lease ) to XXXX. The XXXX DOT requires that I register my leased vehicle within 90 days of moving.
At the XXXX DMV they are requesting formal communication from Kia Motors about my name change and also about sales taxes that were paid in XXXX.
Because Kia Motors is not responding to my request for a name change and has not submitted the proof of tax payment from my lease, I am unable to register my vehicle.
At the end of XX/XX/XXXX my vehicle registration from XXXX will expire and I will be unable to drive my vehicle legally since the XXXX DOT does not want to use my marriage license as proof of name change.
I 've attempted to contact Kia Motors about my name change multiple times, and have reached multiple different consumer affair specialists in the last few days. They have yet to process my request of name change and to submit the information to XXXX DOT.
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| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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15 USC 1692e any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and 15 USC 1692f any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. 15 USC 1692a Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692B ( 4 ) ) The advertisement for sale of any debt to coerce payment of the debt.
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| 11/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased a new XXXX XXXX the day before XXXX in XXXX. I've been trying to pay off the vehicle since XX/XX/XXXX. On XX/XX/XXXX I was informed I overpaid by about {$390.00} and to not pay. I have repeatedly ask XXXX to fix the missing payments on my account due to a " glitch '' in XX/XX/XXXX according to them.
I financed {$43000.00}, I have paid {$44000.00}. They're showing my principal balance is now {$11000.00} and my payoff is XXXX, which is absolutely incorrect.
A few reps had some of it fixed but the after the last rep requested the account closed the principal jumped up over {$11000.00} as stated above. They also changed my per diem interest rate from {$0.00} to {$2.00} for no reason as well. That rate had slowly gone down while paying it off and the last person cranked it up again. I'm tired of accruing interest on an account that supervisors are showing should be closed. I want my title free of lien since I have in good faith paid it off.
I have supplied Kia with my bank statements and XXXX, who accepts their payments has contacted Kia informing that yes, every payment was received and processed correctly.
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| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I filed a compalint with you regarding XXXX XXXX XXXX ( XXXX ).
XXXX 's response : Company 's Response In their complaint, XXXX XXXX XXXX states his credit report reflects an account with Kia Finance America ( KFA ), but he has never had and account with KFA. XXXX XXXX requests the account be removed from his credit report. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to KFA reporting an account to the credit bureaus under XXXX XXXX name. KFA has no record of XXXX XXXX having an account with KFA nor was KFA able to verify with XXXX, XXXX or XXXX that they are reporting a KFA account under XXXX XXXX name. Should XXXX XXXX have a copy of the actual credit report showing the KFA account, he may provide it to KFA who will reopen the investigation. XXXX XXXX XXXX submit a copy of the credit report through the CFPB XXXX or he can mail a copy to KFA at : KFA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
I have attached a copy of my credit report which clearly shows the account is reporting. I have been dealing with this issue for two years and keep getting the runaround.
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| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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My wife and I are trying to trade in our Used Hyundai as part of a purchase for a new car, and Hyundai Motor Finance is unresponsive to requests for our lien release and title. The customer service on Hyundai 's end has been very bad, and they don't seem to be able to confirm or support this request.
We have contacted Hyundai twice by phone and we have still not received the lien release/title. They stated themselves that they are unsure if the lien release/title would be delivered to who we asked it be delivered to ( the dealership for our new car ), and we are incredibly frustrated and how Hyundai 's inability to field a simple request in a timely manner is leading to delays for both us and the dealership.
We first contacted Hyundai Motor Finance on XX/XX/XXXX, and again today on XX/XX/XXXX. We have not received any confirmations or follow-up related to our request. This is well beyond the 15 day window they initially ensured for timely response.
Moreover, it's worth noting that their title request page on their website is broken, so other consumers are unable to access this basic function of their business.
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| 09/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Back in XX/XX/2021, we refinanced our XXXX XXXX car loan with XXXX XXXX XXXX. On XX/XX/2021, Kia Finance received a check from XXXX XXXX XXXX. XXXX overpaid Kia {$850.00} over the payoff balance. Also Kia took over a month to credit that check to our loan. For that reason, we made an additional payment for {$450.00} to Kia Finance so no late payment would show up in our credit report. After months and many requests to Kia to refund both the {$850.00} and the {$450.00} to us, we have been told by their customer service department that both refunds are on hold since XXXX, 2021 and that all they can to is to send an email to the payment department to initiate the process. We have been told the same thing over six times. I called today XX/XX/2021 and was told that there's no record of anyone initiating that process. We are in the third month of paying XXXX XXXX XXXX for the refinance loan including the overpayment they sent to Kia. Kia customer service does not have a direct way to communicate with their payment dept and I'm affraid that after a few months they will have no record of my account and both overpayments.
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, Kia finance America received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months. On XX/XX/XXXX, someone from Kia finance america told me I was late for two months and that my statements was incorrect. Now they reported me late and my credit dropped XXXX points. This is not fair to me or my credit that they sent me no payment due statements and now trying to backtrack saying I owe. I had a XXXX credit score now I do not because of kia negligence. Also, they are saying I owe {$2800.00}. This is causing me financial distress and emotional distress because now I have to worry about them repossessing my car and I have XXXX toddlers. I have to get back and forth to work and take my children to school and daycare. This is not fair, and now my credit is hurting. Please let me know if you can assist.
|
| 06/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I WAS UNDER THE IMPRESSION THAT XXXX KIA WAS PAYING OFF MY XXXX KIA XXXX AND I WAS GOING TO BE UPGRADED TO A XXXX KIA XXXX, IN XXXX OF XXXX. AFTER HAVING THE CAR LESS THAN TWO WEEKS THE PAINT STARTED TO FAIL. THE CAR WAS IN THE SHOP FOR 27 PLUS DAYS. AFTER RECEIVING THE CAR BACK THE PAINT WAS STILL WITH DEFECT, THE DEALERSHIP WAS AWARE OF THIS ISSUE.
IN XXXX OF XXXX THE SUNROOF FAILED TO OPEN AND CLOSE PROPERLY. I TOOK THE CAR TO XXXX KIA WHO GAVE ME A RENTAL CAR WHILE THE SUNROOF WAS BEING REPAIRED.
XXXX THE SALES PERSON STATED, " THIS CAR IS GIVING YOU TOO MUCH PROBLEMS. WE ARE GOING TO GET YOU OUT OF IT. '' BY XX/XX/XXXX, I WAS IN A XXXX KIA XXXX XXXX. I WAS HAPPY WITH THE CAR BUT WAS NOT AWARE THAT THE DEALERSHIP HAD CARRIED OVER NEGATIVE EQUITY FROM THE XXXX XXXX, I WAS UNDER THE IMPRESSION THAT I WOULD BE EXCHANGING THE CARS BECAUSE OF THE DEFECT IN THE PAINT AND SUNROOF.
HOW IS IT FAIR TO ME AS A CONSUMER THAT I CARRY THE WEIGHT OF THE DEALERSHIP, THE FINANCE COMPANY, AND THE MANUFACTURE.
THE MANUFACTURE OF KIA HAS FAILED TO UPDATE ME AS TO HOW THEY WERE GOING TO RECTIFY THE PROBLEM. VIN : XXXX
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| 04/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I bought a car from Kia XXXX of XXXX and cancelled a warranty that was initially applied to the loan on XX/XX/XXXX. The dealership sent the check for {$5300.00} to Kia finance in XX/XX/XXXX. The dealership accidentally sent two checks for this amount to Kia finance. Kia finance applied these checks to the account twice, and once they were made aware of this mistake they took both amounts off the balance. I am still owed {$5300.00} for cancelling the warranty. Calls were made to Kia finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time a call was made, Kia finance stated that it would be 3-5 business days before it would be applied to the principle, and this has not happened yet. On XX/XX/XXXX a representative stated that the refund was denied on XX/XX/XXXX, but could not see why it was denied. I requested to speak to a manager who said that he could not give me any updates and I would have to keep calling back, when I asked to speak to his manager he put me on hold for over 30 minutes and then hung up on me.
|
| 06/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I purchased a new Hyundai XXXX in XXXX. My regular payment amount is {$540.00}. On XX/XX/2020, I paid {$540.00} which was correctly applied {$500.00} to the principle and {$42.00} to interest. I paid {$600.00} on XX/XX/2020. Only {$55.00} was applied to the principle when and none to any interests while the vast majority should be applied to the principle. On XX/XX/2020 I made a payment of {$700.00}. None was applied to the account. On XX/XX/2020, I made a payment of {$700.00}. None was applied to the account. On the payment history, all of these transactions are there. I called in XXXX and XXXX to ask about my payments, which I was told was applied correctly. I received a call from the Hyundai financial collections department on XX/XX/2020. I was told I owed {$1000.00}. The caller did not identify themselves. I called the 1-800 number on for Hyundai Financial and was told that I owed the above sum despite that my XXXX, XXXX and XXXX payments where not applied correctly, despite 2 previous phone calls. I was told that since I put in the payment information, It was my fault and that the department was closed.
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Ive contacted Hyundai Motor Finance regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, XXXX, & XXXX ) stating theres a 30-days delinquency reporting for Hyundai Motor Finance. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account.
Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track.
This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.
The CARES Act places special requirements on companies such as Hyundai Motor Finance, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
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| 02/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My husband XXXX XXXX and I ( XXXX XXXX ) purchased a new car from Action Hyundai XXXX NJ in XX/XX/XXXX We took out a {$1000.00} loan on the car and paid the rest in cash. We only took the loan because they gave us a {$1000.00} rebate on the car for taking out a loan. We paid the loan off in XX/XX/XXXX. It is now XX/XX/XXXX and we do not have title for our car. I have contacted them numerous times. They said they sent the title to us in XX/XX/XXXX but we never received it. They said they sent the title to XXXX XXXX XXXX XXXX ( XXXX XXXX was left off the address ) which is why I think we didn't get it assuming that they did send it. They refuse to get us a replacment title. When you pay your car off, you expect to get the title. They did send a letter saying we paid off the loan. The address should have been complete on the title so unsure why they left a key part of our address off the mailing address when they mailed it.
The car was financed through Hyundai Motor Finance. I see numerous complaints on the internet about customers can't get their titles.
Beware of financing through Hyundai Motor Finance.
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| 05/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I received two bills for Property Taxes assessed by XXXX XXXX, Virginia in XX/XX/2023. Both bills were for 2023 - Periods XX/XX/2023 - XX/XX/2023 ( {$330.00} ) and XX/XX/2023 - XX/XX/2023 ( {$310.00} ). The car that the Property Tax was charged was turned in to XXXX Kia in XXXX, Virginia as part of a trade for a new lease at the end of XX/XX/2023. After speaking with a representative from XXXX XXXX ( XX/XX/2023 ), XXXX XXXX already had verification that the vehicle had been turned over to XXXX Kia and was no longer in my possession and the adjusted amount due for the time period in which I had the vehicle was {$41.00}. A payment for this amount ( {$41.00} ) was submitted on XX/XX/2023. I have contacted Kia Finance multiple times via phone ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) in addition to sending written requests via fax ( XX/XX/2023, XX/XX/2023, and XX/XX/2023 ) and email ( XX/XX/2023 ). I also visited in XXXX Kia in person to request assistance with resolving this matter on XX/XX/2023. Kia Finance continues to claim that I am responsible for the Property Taxes.
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| 03/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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To whom it my concern My name is XXXX XXXX a valued customer of XXXX XXXX XXXX XXXX Account number XXXX, 15 on time payments of {$530.00}. I am reaching out for help on my XXXX Kia XXXX bought it brand new from XXXX Kia ( XXXX XXXX XXXX, XXXX Missouri XXXX ) I am the first owner of the vehicle. XXXX Kia is the Only ones to maintenance my vehicle my vehicle is still under the Kia powertrain warranty 10years/ 100,000 miles I have XXXX miles on my vehicle. I also purchased an Extended warranty from XXXX Kia bumper to bumper for {$3000.00}.
I took my vehicle to XXXX Kia because the check Engine light came on, they test drove the vehicle and said the Engine was knocking but it wasnt when I was driving it, so I told them to replace the Engine because it was still under warranty they said No, they refused to repair the Engine because I missed one oil change & Kia corporate said the same.
I need help because I have been spending {$400.00} a week on Rental Cars, I fear I will not be able to pay my Car note because all of my money is being spent on Rental Cars and my perfect pay history is coming to an end soon
|
| 08/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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On XXXX XXXX XXXX I received a letter from Hyundai Motors Finance- Payoff Dept. that referenced to my pay-off amount of XXXX. I called Hyundai Motor Finance on XXXX XXXX XXXX to inquire about balance. Hyundai Motors Finance informed me that there was interest that accrued over a period dating back to the months of XXXX XXXX and XXXX XXXX payments. Hyundai Motor Finance also asked me to contact the gap insurance company. I corresponded with the gap insurance company who referred me back to Hyundai Motors Finance to resolve this matter. The pay-off amount should not be my responsibility due to my insurance company XXXX XXXX XXXX XXXX and my gap insurance benefits have already covered the total loss of my vehicle. My complaint with Hyundai Motors Finance is that they are charging me for interest and fees that should have been included in my monthly payments. Hyundai Motors Finance was unable to provide me with the proper documentation for the interest and fees. I am unable to access the account due to Hyundai Motors Finance freezing the account during the insurance claim to prevent further payment action.
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| 10/20/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I tried to make my XXXX lease payment on XX/XX/XXXX and was unable to log on to the kia finance website because it would not load. I tried again on XX/XX/XXXX and again the site would not load even when I tried from multiple different devices to log on. Late on the evening of XX/XX/XXXX I was able to log on to the kia finance website and received the error message that I was unable to make a payment because the account had less than XXXX payments remaining. My lease is for 3 years and will mature on XX/XX/XXXX as shown on my lease agreement. I called kia finance on XX/XX/XXXX and was unable to speak to anyone and directed to an automated system that would not allow me to make a payment either. I have tried to log into my account every day and the kia finance site will not allow me to make a payment or set up future payments. I have called kia finance many times a day every day since XX/XX/XXXX and have been disconnected every time I make contact with an actual person. I am due for my XX/XX/XXXX payment and have no way to make a payment either via the website or phone because of an error on their part.
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| 06/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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On XXXX of current 2020 I made Big Payments to my Car Loan on multiple transactions that added up would equal {$11000.00}. The reason being to bring my car loan down to up to 10 Months payments in order to work with my bank towards the process to purchasing a house. Those payments were received and posted on my Car Loan at Hyundai Motor Finance USA. I called several times about discrepancy on what I actually owe ( principal balance {$3300.00} ) versus my payoff balance that is reflected on Hyundai Motor Finance ( {$12000.00} ). I haven't received an email or call from Hyundai about this matter, but I have being calling and speaking with customer service about this to clear it up. This has been going on since XXXX until today XX/XX/2020, my problem has not yet been fixed. I had spoken to a supervisor in customer service, and they acknowledged that the company back in XXXX had a mayor software upgrade that might have affected my payments being in the cloud. They told me they would get it fixed within 3 to 5 business days, and today after 2 weeks I am still in the same spot, nobody has an answer for me.
|
| 05/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
Older American |
|
WELL THIS COMANY CALL MY HOME ON XX/XX/XXXX I M A CO SIGNER AND MY GRANDDAUGHTER IS SOLE DRIVER OF CAR SHE PAID HER PAYMENT ON XX/XX/XXXX AS THEY STATED BECAUSE SHE LIVES AND WORKS IN XXXX AND I LIVE IN XXXX TX AS THEY KNOW THEY INSIST ON CALLING MY HOME NUMBER 3 TO 5 TIMES A DAY I HAVE IT RECORDED I EXPLAIN TO THEM SHE IS THE ONE TO CALL THEY REFUSE AS SHE TOLD ME SHE HAS CONTACTED SUPV THERE AND PAID HER BILL SHE WAS LESS 30DAYS LATE I GUESS HOWEVER I TOLD THEM STOP CALLING ME THEY REFUSE AS EVERY MORING AFTERSON EVENING THEY ARE CALLING MY HOME I TOLD MY DOCTOR ABOUT THIS YESTERDAY AS I HAD TO GO SEE HER AND THEY ADVISED ME TO REPORT THIS IM SENIOR AND ON DO NOT CALL LIST THEY HAVE MY GRANDDAUGHTER WORK AND HOME NUMBER SHE ASK THEM TO CALL HER SEND ANY MAIL OR PRINTOUT ON HER CAR TO HER ADDRESS THEY HAVE THEY REFUSE AS I GET HER STATEMENT SAYING YOUR BILL IS DUE NOT LATE BUT DUE I DONT KNOW WHAT ELSE TO DO THEIR NUMBER IS XXXX XXXX XXXX I KNOW IT BY HEART THATS HOW MANY TIMES THEY CALLED MY HOME AS I AM WRITING YOU THEY CALLED AGAIN PLEASE CAN YOU DO SOMETHING TO STOP THIS I NOW TAKE MEDS FOR THIS
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| 09/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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On XX/XX/XXXX there were 2 payments of {$310.00} taking out of my checking account from Hyundai Motor finance. On XX/XX/XXXX I called and told them that was a mistake, only one payment was supposed to be taken out and I would like the other one refunded. On XX/XX/XXXX the refund processed and I was told it would take 16 days to get it by check. After waiting a Month, I still never received the check. I called numerous times and everyone in the department kept giving me the run around. One agent told me the checked was mailed out, and then another one told me the check was still being worked on my their processing department. XXXX XXXX I told Hyundai Motor Finance to just apply that refund to my XXXX balance so the month of XXXX will be paid for. Again I was told okay, they cancelled the refund and emailed the processing department so they can apply it to XXXX. As of XX/XX/2020 they still havent applied the refund to my XXXX statement! Theyre trying to tell me I owe them {$170.00} or around that amount. Also no one still can give me an answer on why its taken 2 months and still nothing has been done.
|
| 07/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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The total balance of {$4900.00} of the remaining loan on the vehicle was paid off on XX/XX/XXXX to Kia Finance. I was told that I would receive the title to the vehicle within 2-3 weeks, and I have yet to receive the title. I have called about three to four times between XX/XX/XXXX and the first week of XX/XX/XXXX.
The first time I called in XX/XX/XXXX, I was told by a customer service representative that Kia Finance had sent the DMV notice that the loan had been paid off and that the title should be transferred to my name. The second time I called, I was told the same thing and told to contact the DMV. In early XX/XX/XXXX, I contacted the DMV and was told that Kia Finance never sent notice that the loan had been paid off. I then called Kia Finance again and was told that the DMV was refusing to release the titles because Kia Finance owes the DMV fees or taxes. Kia Finance lied on multiple occasions by telling me that I would get the title to my vehicle within a few weeks and is refusing to do what needs to be done on their end so I can obtain the title to my vehicle which is completely paid off.
|
| 05/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
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Web |
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Back in 2017 I went to XXXX XXXX XXXX XXXX with a friend she was trying to buy a car. As i was sitting there with her the salesman asked did I need a car? I said yes but I dont have much income nor a driver license. He said how much income you get a month. I .told him after I pay rent I have XXXX left till the next month. He asked for documents I gave them to him and he got me approved for a brand new car with a poor XXXX credit score and XXXX a month income SSI after I pay my rent XXXX left. I asked the salesman. How did I get approved he said enjoy your new car. All my family kept asking how did I get approved. It was a no brainer the dealership falsified my income. I have since asked the dealership and the finance company for proof of income that was submitted to get me approved. Hyundai motor finance said they didn't have it. Only a contract which is useless we need application with debt to ratio income. And proof of income that was given. Because both entities want provide information to show this account was falsified. I am requesting removal of Hyundai Motor Finance from all 3 credit bureaus.
|
| 04/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have made numerous calls to just as many people to resolve this issue. I made my regularly due car payment ... by separate mail with instructions I also made a {$1000.00} payment towards the principal. When I called to confirm receipt the CSR who took my call advised me that no payment was do and I would n't receive my next months invoice for same. When I did get the next months invoice they charged me a late fee ... and continue to do so today, They went over a month without applying the {$1000.00} as directed to the loan principal. When I ask to have the late fees reversed and proof that the {$1000.00} was applied ( I have NEVER been late in over 53 payments ) they claimed they could not ... and my fear is for my credit rating possibly being damaged because of their faulty bookkeeping procedures. I 'm also concerned, hence this complaint, that other less outspoken borrowers then me are being ripped off too ... how long has this way of doing business been going on at HMFUSA? I would caution other borrowers to check every invoice and at this point do n't try to pay in advance toward the principal.
|
| 05/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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Company : Hyundai Finance I overpaid the balance of my loan because there was XXXX check not cashed by Hyundai when they provided me my balance in XXXX of 2021. After making 11 phone calls ( from XXXX to XXXX ) in addition to seeking help from Consumer Affairs, I was not successful in getting my refund.
An attorney wrote a letter on my behalf and in XXXX and I received a check for {$5000.00} ; however they owed me {$5500.00}. There was no explanation sent with the check why the amount was reduced. I have called Hyundai Finance on XX/XX/XXXX and was told they owe me {$540.00} plus {$4000.00} with an explanation I didn't understand, but talked about deducting principal from $ XXXX. I called again on XX/XX/XXXX and was told they see my notes from XX/XX/XXXX ; however, no action has been taken. This entire 8 months I was not able to speak to anyone in charge, nor have they returned any calls from Consumer Affairs.
I am not sure what kind of accounting practice they use, but I feel like I am an exploited senior. I had to cash the check to pay bills ; I was not accepting that as I was paid in full.
|
| 02/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I called Kia three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXXwe returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to believe that the credit department at Kia can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.
|
| 07/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I view and pay my bill online. The online system always showed my correct payment amount and that 's what I would pay. I decided to review my recent statement online when I noticed the total due was {$50.00} more than what was showing due online. I call to get a better understanding of what was going on. I was informed that when I first purchased the vehicle my 1st monthly payment would be deferred. Well apparently Hyundai Finance charged a NSF Fee of {$25.00}. I paid that at the time not realizing what the fee was for. Well now it 's happened again for the tune of {$50.00}. I call back and explain the only time I make a payment is online and it 's a one time payment. Not once has a payment been returned. I guess this is normal business practice for the mob. When buying the vehicle I had other lenders to choose from but figured that since Hyundai manufactures the vehicle they would be more streamlined in the financing of them. If you 're buying a new Hyundai and wonder how they get the MSRP down well now you know. It 's coming from the mob style tactics they use on the financing end of things.
|
| 07/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I made a payment of {$100.00} on XX/XX/XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX at XXXX ( I was hung up after asking why they didn't apply to principal ) & XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company.
I made a payment of {$400.00} on XXXX, I had called on XX/XX/XXXX, XX/XX/XXXX and XXXX to have this payment apply to principal only. The company has refused to do as I have requested.
I made a payment on XX/XX/XXXX of {$250.00}, I had called on XX/XX/XXXX to have this payment apply to principal only. They did move the payment and when I logged in on XX/XX/XXXX I saw they moved it back my monthly premium and took interest without any notice from the company.
I called on XX/XX/XXXX who could not tell me why the company moved the payments back to the monthly premiums. He stated he could request the funds to be moved back to principle and I declined since I've asked this 6 other times and the company failed to do what I've asked.
|
| 07/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
In XXXXXX/XX/XXXX, I turned in a XXXX XXXX XXXX at the near end of the lease prompted by encouragement from the dealership ( XXXX XXXX XXXX XXXX XXXX, SC ). The dealership put me in a new XXXX XXXX XXXX with a new lease. Despite the lease still having 3 remaining payments on it, the dealership said they would take care of it as an incentive for leasing the new XXXX XXXX. Additionally, Kia Motors Finance provided me with statements showing the lease with a XXXX ( {$0.00} ) balance. Please see screenshots and documents attached.
Now, Kia Motors Finance has sent me letters stating I owe {$680.00} ( 3 payments ). This is wrong as they already paid off the XXXX XXXX XXXX lease.
I mailed them a letter in XXXX responding to this debt collection effort and a subsequent one in XXXX. I believe that in failing to respond to my letter in writing from XXXX, Kia Motors Finance is in violation of the Fair Debt Collections Practices Act as well as Regulation X for sending another copy of the same letter without addressing my concerns. Copies of my letters and the Kia Motors Finance website are attached.
|
| 09/12/2018 |
No |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
I leased a car through XXXX XXXX and terminated the lease early when I leased a new car. I received an invoice from XXXX XXXX on XX/XX/2018 that had numerous errors and omissions. I detailed these in a letter of XX/XX/18.
Among these errors is an " excess wear and use '' charge of {$1000.00}. Since I purchased an " Excess Wear and Tear Protection '' policy through the dealership and with XXXX XXXX I requested a claim form from the rep ( XXXX ) on XX/XX/18. The promised claim form never was received. Instead a copy of the AIM Inspection Report was sent. I faxed this report along with a claim to XXXX XXXX.
I received a call from XXXX XXXX on XX/XX/18 demanding payment in full by XX/XX/18 or they will send the bill to collection and threatened my credit score. I told them that I filed a claim as directed with XXXX XXXX and it's up to them to work out the details. I was informed that XXXX XXXX " ... does not deal with third parties '' and it is my responsibility to settle the bill even though I still consider it to have numerous errors.
I do not intend to satisfy this bill until it is correct.
|
| 08/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
XX/XX/XXXX my leased vehicle a XXXX XXXX, VIN # XXXX was stolen and recovered the next day. I picked up the vehicle from the police station and returned it to the dealership where I leased the vehicle from XXXX XXXX XXXX XXXX ). My insurance paid for the repairs and I was called to pick up the vehicle. I explained to them since there was only a few weeks left on the lease they can keep it and I paid off the remaining balance of the lease contract. I was notified by the credit bureau app. XX/XX/XXXX that KIA Finance put {$18000.00} on my credit report causing my score to drop from in the 800 's to the 600 's. I spent weeks and app. 8 hours a day talking to KIA Finance and XXXX XXXX XXXX where they both continued to give me the run around. XXXX XXXX XXXX said they lost the vehicle. I went up to XXXX XXXX XXXX to resolve the problem where the manager and service manager was rude towards me and told me, we can not find the car and it is your responsibility and you have to pay for the lost vehicle. I called the police and they told me they could not give me a police report and to get an attorney.
|
| 06/17/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I thought I participated in a consumer credit transaction with Hyundai Motor Finance on XX/XX/2019 however the name of the company that was furnished on my consumer report is Hyundai Capital America who in the hell are these people? Anyway, I know a consumer credit transaction is an action where a finance charge was involved. A finance charge pursuant to 12 CFR 1026.4 ( a ) is the cost of consumer credit as a dollar amount, it does not include any charge of a type payable in a comparable cash transaction.
In brief, pursuant to 15 USC 1605 a finance charge is the sum of all charges, and because I know what a finance charge is I should have not been receiving bills through interstate mails, I should not have had my car repossessed, I should not have lost my job, I should not have had to put a down payment for the vehicle and lastly, this transaction should not have been furnished on my consumer report. They have not provided any documents that I requested.
Because of all of the damages this company caused me these crooks are in violation of detailed subchapters of TITLE 15 USC CHAPTER 41.
|
| 07/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
The dealership is located in XXXX alabama. Kia of XXXX. This person from the dealership claimed to be the CFO/CEO of the dealership. He proceeded to use profanity against me besides listening to my problem. Because I made a complaint to the attorney general office of alabama. There is nowhere on the complaint form to put my social security number on here. I will just give my last 4 numbers. " XXXX '' My birthday XX/XX/1958. I then told him off and hung the phone up. I will never do business with kia or buy a car from kia. I should have known from my experience with kia 20 years ago. When I had {$4000.00} down but they refused that even. So I bought a hyundia XXXX who was nice to give me a loan and the Hyundia dealership gladly took the {$4000.00}. But if i was approved. Why did I need a co-signer? The kia salesman XXXX years ago was as nasty to me as this CEO was to me. They contacted me first because it had been a year since my bankruptcy was discharged. They pull this dirty trick to get you in the dealership just to embarrass you. I will never walk into another kia dealership ever again.
|
| 09/05/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was in an accident which was not my fault in XXXX. I just took out loans on a brand new XXXX XXXX XXXX. We did not even have the vehicle for a month. No one notified us we had any outstanding balance until XX/XX/2018. We were told from XXXX XXXX that it was taken care of in full, we owed nothing. We contacted XXXX in XXXX, MA and they said they would take care of it. We heard nothing until XXXX from a notice dated XX/XX/2018 claiming we still owed XXXX. I asked them WHY and if they could send an invoice. They claimed they can not tell us WHY. So WHY should we pay a bill that we can not see WHAT we are being charged for? I called the dealership and the " manager '' said that the VIN number was wrong. She refused to also tell us WHAT the bill was for. I feel this is illegal especially because we do not know WHAT or WHY we are being billed this amount. They are threatening to take action if we do not pay this amount within 10 days. We do not have the money to pay it at the moment, and we were told we owed nothing by the other person that works at the dealership and he would take care of it.
|
| 04/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XXXX XXXX, we leased a Hyundai 2022 Tucson in XXXX and finance it through Hyundai Finance. We moved from XXXX to XXXX and did a buyout of the lease vehicle on XX/XX/XXXX, through XXXX XXXX XXXX. I have contacted Hyundai Finance for a vehicle title since XX/XX/XXXX. I keep being advised that the title is at the DMV and other times the finance department will tell me that title is in the mail. I have contacted dealer ship in XXXX and XXXX, and they have advised they can not be of any help.
I have been in contact with customer service, Hyundai Corp USA, Hyundai Finance Dep. over 100 times and still have not received a title to the vehicle.
In the middle of XXXX of XXXX, we contacted the DMV in XXXX and the title from XXXX still has Hyundai Finance as the lien holder.
I was given certain dates to receive the title by several supervisors since XXXX of XXXX.
XXXX XXXX XXXX XXXX has informed us that unless they receive a title, they will increase our loan interest.
I am still unable to pay XXXX sales tax and receive at title for the vehicle.
I am asking you all for help.
Thank you!
|
| 01/31/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I am XXXX years old and have leased a multitude of cars for myself and my wife. In XX/XX/2016, I leased a XXXX XXXX and purchased a {$7500.00} extended wear and tear coverage.With 6 months to go I began getting calls and letters to trade in the vehicle and get a new one. I decided on XXXX and turned the car in, paid the fees necessary and got into my new leased vehicle. There was some additional damage they claim ( dirty seats, floor mats etc ) but that should have been covered through the damage waiver. After we discussed that, I never heard from the company again until they claim to have sold the vehcivle at auction for {$5500.00}, without even discussing it with me, and then expect me to pay the balance. The car had a blue book voer {$10000.00} and the dealer is selling cars identical for {$13000.00}. Auction is the lowest form of purchasing vehicles, the company sets the residual, and then the people turning in the vehicle are expected to come up with thousands of dollars on a whim?! I would have bought the car for {$5500.00} had it been offered. This is unethical and flat out wrong.
|
| 01/02/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On Tuesday, XXXX XXXX, we requested to payoff the loan for a car we purchased on Saturday, XXXX XXXX. XXXX XXXX XXXX added a more than {$170.00} charge to the purchase amount, less than one business day into the loan.
The agent on the phone said it was the interest accumulated. We explained that the contract we signed said that interest would not be charged until XXXX XXXX, XXXX. He said that he could not escalate the issue because the managers were not in the office. I explained that I was ready to pay off the loan for the full loan amount agreed to in the contract and that we can talk about the fee another time when the manager is available. He said he couldn't do that. He put me on hold three times over at 58-minute period and then hung up the call.
I am currently on hold again trying to get this car paid off. I do not think its acceptable to charge $ XXXX in interest for a loan that is less than one business day old and those are not the terms of the contract. It specifically states no interest until XXXX XXXX XXXX
I am also registering this complaint with Kia Finance as well.
|
| 05/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
As of today, XX/XX/2023- Hyundai Motor Finance has continued to bully and violate my rights by false, deceptive and misleading communication via credit reporting agencies.
Received notice via email from XXXX XXXX and XXXX that there is a balance increase inserted by Hyundai Motor Finance. However, per the credit reporting agencies- this was charged off as a loss. Basically, Hyundai Motor Finance no longer owns the alleged debt- it was sold.
I sent Hyundai Motor Finance a notice via XXXX and it was received on XX/XX/2023.
20 days has passed since notice was received and I have not heard from Hyundai Motor Finance through any medium.
I am requesting Hyundai Motor Finance to comply with notice in which they received, provide the company charge off was transferred to, the amount of charge off and any other documentation pertaining to this should be addressed accordingly.
Hyundai Motor Finance can no longer use the cease & desist as a way of not communicating with me. They violated the cease and desist a long time ago.
The violations go beyond the FCRA at this point.
Thank you.
|
| 02/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
To whom it may concern, I got into an auto accident on XX/XX/2021.
The insurance company paid my leased vehicle for total loss. They paid {$31000.00} to pay off the car.
According to the lease agreement I signed on XX/XX/2021, I paid a single payment of {$21000.00} in advance for 36 months contract. The residual value is {$19000.00} and the disposition fee is {$400.00}.
I believe the amount of {$31000.00} Kia Motors Finance agrees to release and transfer all of its rights is too much for me as a consumer.
I understand that this is early termination and that there is a 24-month contract left. However, I paid a one-time payment that is a large amount of money in advance for a 36-month contract period and did not consider it at all.
I contacted
them and they said they had every authority over the amount because the owner of the car was them and I was the borrower.
I have not received any documents from Kia Motors Finance regarding this and have not been notified of the progress. I contacted them and asked for it, but they were rejected, and I can't agree with their decision at all.
|
| 02/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
This is a complaint against Lia Motors Finance c/o Hyundai XXXX XXXX XXXX
1 ) I have received a bill for {$16.00} for a violation but no one can give me documentation of what it is for. There are no documents scanned into my account for more information. I was told in XXXX I would be sent a statement showing what its for. Now They are saying my account will go to collections. Ive talked to a supervisor who claimed to escalate my complaint but when I call back in a few days nothing has happened.
2 ) Now I am also facing a {$25.00} late fee for a toll violation ( different violation ) I incurred when my XXXX XXXX didnt not read properly. Hyundai leasing did not pay the {$5.00} toll within 31 days so I was charged a late fee of {$25.00} bringing it to {$30.00}. Now Hyundai is saying I owe {$30.00} on top of the other mystery fee. I have proof the first violation notice for {$5.00} went out on XX/XX/19 from the toll company.
This company also lost a {$670.00} personal property tax refund check from my city and it took 4 months of back and forth with them to have it applied correctly.
|
| 08/20/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I returned a leased XX/XX/XXXX XXXX XXXX XXXX automobile on XX/XX/XXXX. About a week later I received a letter from Hyundai MotorFinance for {$1800.00} in excess wear and tear. It seemed to me that every mark on the car was considered excess wear and tear. Therewere XXXX scratches on the car, for XXXX of them they want $ XXXXXXXXapiece, and XXXX for which they were charging me {$250.00} apiece.
After receiving this latter and ultimately a bill for {$1800.00}, I askedto see the car so that I could evaluate the so called damage. Theydenied me access, saying that the car had already been sent to thewholesaler for resale. My question was, if the car had so quickly been sent on, how could Hyundai have incurred anywhere near $ XXXXXXXXto repair it? I suspect that the whole exercise was only to extract moremoney from me. As I am retired, this amount represents a realinconvenience for me to pay, and therefore I am asking you toconvince them to modify the amount to {$500.00} or less.
This amount represents XXXX of the scratches that I realize wereexcessive, and for which I am willing to pay.
|
| 05/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Back in XX/XX/2020, I noticed that my balance was increasing instead of decreasing in my monthly statement. I contacted Hyundai Fiance immediately and was told they were going to investigate the matter. Per the Hyundai Fiance, this should have taken a week to resolved. As XX/XX/2020, I have yet to hear from them and this matter still has not been resolved. I have been calling them for the past month in reference to this matter and have not gotten anywhere. Per the last supervisor for the fiance company they were aware of the issue and are still waiting on a response from the department that investigates matters like this. I was also told that they had a software update and that this cause the error with accounts. I have never missed any payments and want to know where my payments are going to. I am tired I calling the customer service phone number and seem to get no where. I have also spoke to supervisors and keep being told the same thing without my matter being resolved. It's been very upsetting and frustrating, when I work hard every day for my money to be ripped off by a company.
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I am extremely UPSET with this company. I have sent a dispute when this first came on my credit report on XX/XX/XXXX. XX/XX/XXXX, I submitted all my information and documentation to XXXX, XXXX, and XXXX XXXX. This was rectified and removed from my credit report in XX/XX/XXXX on XXXX but not on the other 2. I submitted a dispute recently in XX/XX/XXXX ( in writing ) to the creditor Kia Motor Finance asking them to also remove the information reported INACCURATELY to XXXX and XXXX XXXX. They have now put that information BACK on XXXX as of Today XX/XX/XXXX, and my score has now dropped by 70 points!!! This is COMPLETELY UNACCEPTABLE!!!!! I am closing on my home in 3 days and I need this FIXED ASAP!!!! As you can see from the attached documents, XXXX and XXXX Bills were not updated no matter how many times I called and the insurance company called for that to be done. The bill was not revised until XX/XX/XXXX and I didn't receive that revised Bill until XX/XX/XXXX when I called in to have it emailed to me!!! Which then was paid within minutes from the insurance company and myself!!!
|
| 09/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
In XXXX I leased a XXXX XXXX XXXX from XXXX my payment was taken directly from my account on the XXXX of each month. In XXXX I found out that my credit score was down by 44 points. I never missed a payment/ bee late. In XXXX I opened one of my statements and saw an amount to be paid. I called and a female employee told me to ignore bc I am leasing, even though she told me she is new, so when I get the statement I just thread them. I am paying XXXX every month to solve this problem so that I can get my points back and clear the bad score and they keep asking me for more information. Surprisingly today I spoke with a manager and she asked me for more information and when I asked her what other information she need so told me no more information is needed from me. I asked why didnt I get a phone call from the company they told me they did not have a number which that was a big lie bc my cell and job # was on my application. It has been 16 months and nothing is been done. I am conducting a new XXXX and bc of that report I am about to get turned down if I can not give a deletion letter.
|
| 12/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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|
I PURCHASED THIS HYUNDAI XX/XX/XXXX AND MADE PAYMENTS FOR 4 YEARS, FOUGHT WITH THE COMPANY THE ENTIRE TIME, ABOUT PAYMENTS REPORTED LATE EVEN WHEN CALLED IN ON TIME! IF I MAILED IT, IT WOULD BE 60 DAYS LATE! I PAID THIS VEHICLE OFF 4 YEARS AGO, HAVE CERTIFIED MAILED XXXX LETTERS STARTING XX/XX/XXXX TO REMOVE THE NEGATIVE REMARKS FROM MY CREDIT, IT WAS NEVER MARKED DISPUTED UNTIL I WENT THROUGH TRANSUNION TO DISPUTE, THE CREDIT BUREAU THEN MARKED DISPUTED AND IT WAS DENIED AND VERIFIED ... .BY HYUNDAI MOTOR FINANCE BUT THEY COULD NOT PRODUCE THE ORIGINAL CONTRACT OR PAYMENT DATES REQUESTED NUMEROUS TIMES! I HAVE YET TO RECEIVE A RECEIVE A COPY OF THE ORIGINAL CONTRACT AND PAYMENT RECORDS I REQUESTED FROM HYUNDAI MOTOR FINANCE, ONLY XXXX LETTERS BACK ASKING FOR INFO FROM ME AND MY SIGNATURE!! I AM AT A SMALL CLAIMS STAND POINT FOR NON-COMPLIANCE FDCPA Section 807 ( 8 )!!! I HAVE CERTIFIED MAIL SIGNED CERTIFICATION THAT THEY RECEIVED MY LETTERS. ALL I 'M ASKING IS FOR THEM TO DELETE NEGATIVE REPORTS FROM ALL XXXX CREDIT BUREAUS, THEY GOT THEIR MONEY, PAID OFF IN FULL, 2 YEARS EARLY!
|
| 07/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have been a customer since XX/XX/XXXX. Our first lease was returned XX/XX/XXXX. The car was in perfect condition. No damages. No penalties to us.
Our new lease started XXXX, XXXX. In XXXX of XXXX, my payment arrived XX/XX/XXXX instead of XX/XX/XXXX. It was the beginning of the pandemic. Family members and friends were getting sick. Coworkers were dying. Very tumultuous time. I was in a state of confusion. I apologize for that.
Kia charged me a late fee for XXXX. I didn't register what it was for, not realizing my payment arrived a few days late. I called several times and was unable to ascertain what it was for. I got several different answers. Additionally, I was locked out of my account. When I tried to get back in, I was told my account was purged ( deleted ) and I should start a new online account. Thus I have no access to the financial transactions that took place.
Since I didn't pay the {$15.00} in XXXX, they took it out of my XXXX payment, causing a shortfall for XXXX. This repeated itself in XXXX and XXXX as well, resulting in four late fees adding up to {$60.00}
|
| 07/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Summary : Hyundai Motor Finance allowed me to setup an autopay but prevented me from cancelling it online and did not cancel it over the phone. As a result, they continued to attempt to make the payment, which resulted in me owing XXXX further NSF fees.
Details : I had a bank account closed due to fraud. This generated a return due to " Account Closed '' on my Hyundai Motor Finance autopay. Despite this, XXXX continued to attempt to charge my account and after the second return blocked me from making online payments. As a result of the block, I was prevented by their website from making changes to my Autopay -- specifically I was blocked from cancelling it. I called them twice and was told by their debt collection team ( first call ) and their customer service team ( second call ) that my autopay was cancelled. On my third call today, 5-6 months after the initial bounce, I was told that my autopay had again been cancelled.
XXXX refused to refund my NSF fees and refused to investigate the problem at hand ( which is clearly a software/dunning logic issue ).
Thank you, XXXX
|
| 11/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I went to XXXX XXXX on XX/XX/2022 with a pre approval letter from XXXX XXXX. I told the sales rep that I only wanted my credit to be ran through XXXX XXXX. The sales XXXX XXXX said no problem. The dealership was getting ready to close, the sales rep said XXXX dealership will process my loan on XX/XX/2022. I met with XXXX XXXX who talked me through my paperwork. I stressed a second time, that I didnt want my credit ran with a bunch of companies. He said no XXXX XXXX we ran your credit through XXXX which came back at 14 % ARP. Then he said we tried our finance company that came back with less. I said okay. He told me that I still had the sign the document that had all the lenders listed. But he again said to me, dont worry we are not going to run your credit against those lenders. I started receiving denial letters which indicate that XXXX from XXXX lied and was very deceitful. Those inquiries were done under false pretenses. It was a slap in the face and when I called him out on it, he turned it around and stated you signed the document. How conniving of XXXX XXXX to do that.
|
| 06/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently turned in a XXXX XXXX XXXX leased vehicle and just traded another XXXX XXXX XXXX leased vehicle. BOTH had perfect payment history and XXXX XXXX XXXX has placed a 30 DAY LATE for each lease on MY credit and my wifes credit report AFTER the 1st was turned in and AFTER the 2nd was FULLY PAID OFF IN TIME which is FALSE AND INCORRECT. THEY ARE REPORTING FALSE 30 DAY LATES EVEN THOUGH PAYMENT HISTORY WAS PERFECT AND THEY WERE BOTH TERMINATED/PAID IN FULL 20 DAYS PRIOR TO ANY OTHER PAYMENT BEING DUE. THEY REPORTED THIS 3 MONTHS AFTER BOTH WERE TERMED/PAID OFF which is an ERROR on their part and creating a credit nightmare for me and my wife right now.
They corrected 1 when I filed a complaint with the 3 bureaus and they JUST put it BACK ON MY CREDIT FILE AGAIN today. This has Never happened before with any finance company and I have NEVER BEEN LATE ON A PAYMENT WITH ANYONE!! XXXX IS FRAUDING ME AND OTHER CONSUMERS BY DESTROYING THEIR perfect credit. I believe it is because I DID NOT PURCHASE/LEASE ANOTHER XXXX someone needs to start a class action lawsuit to stop them!!
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
|
| 06/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/2023, I submitted a payment of {$1900.00} as my outstanding balance on the loan is {$1900.00}. I called the company on XX/XX/2023 at approx. XXXX to move the payment to principle only. I was told on the call, the payment had been submitted and the payment would be moved to principle. I called again on XX/XX/2023, approx. XXXX to check on why the payment was not reflecting as being applied to principle. I was told there was an error and the payment was not able to be move to principle after being on hold for over XXXX XXXX. I was then told I would need to wait an additional XXXX XXXX for the funds to be available on the account and to call back in to make the request again. I stated this was not my error and the company needs to apply the funds per my request. I'm trying to get my loan paid off and the company is charging me interest all of these days due to the company 's error. I was told I would need to make the request when the funds are available.
Please review the below documentation, the company did not apply the payment correctly before I had called either.
|
| 03/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I am writing in regards to a vehicle that was purchased from Hyundai in XXXX, SC. The contract shows that the vehicle is in XXXX XXXX as the main borrower and Me ( XXXX XXXX ) as the co borrower. I have repeatedly call Hyundai Finance and requested that the account be corrected and they told me that because I had a beacon score they changed the contract. This is stressful due to them sending Certified Letters to me and when XXXX calls to see about the account they refuse to talk to her about it cause they state that she is not on the account. I have never had such a problem with a vehicle that has been financed in my entire life. They stated that they can change the contract and that we can not do anything about it. I know that by law you can not change the contract and they have actually sent me a copy of the contract which shows that XXXX is first and I am the co borrower. Please help me get this straight cause evidentially they are stating that they can do whatever they want to do and there is no telling how many other customers this has been done to. Thanks for your help
|
| 12/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Originally leased 2 different vehicles from Hyundai. At the lease end, decided to buy out the lease from Hyundai in order to keep the vehicles. I went to my financial institution to do the buyout. Once Hyundai Motor Finance received a check for the vehicles, they never provided bill of sale or odometer statements with the proper signatures from Hyundai Motor Finance in order to get the car re-titled. We contacted HMF a number of times - once in XXXX - twice in XXXX - four times in XXXX - Twice in XXXX ( in XXXX, the bank also contacted HMF to try and resolve the issue ) to have them send the proper paperwork. In all experiences except once, the forms arrived with no signature at all. When it did come, it had a partial electronic signature, which, again, would not be excepted by the state. At this point, every time we cann HMF, they politely put me on hold and promptly hang up!
No matter how much ill will has been generated, we still need the proper paperwork from HMF to get the car titled. Can CFPB research this issue so that we can get some kind of movement.
Thank you!
|
| 02/21/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Kia Motors has charged me taxes for the whole XXXX year for my previous lease with them and are also charging me taxes for the whole year of XXXX for my current lease. I should only be charged for taxes for the amount of months in that year that I owned either car. However they are charging me for the whole year for both.
I calles them to dispute this, they said I need to pay the full amount and ask for a refund of each extra tax they charged me. They will then process this and refund me. I was given conflicting information about this when i paid the full amount of taxes for the first car, was told that I would only be charged for the prorated amount for the new car. However that was a lie and I am being charged the full amount for both cars.
I dont think this is right. I shouldnt be charged the whole amount if I didnt lease the car for the whole year. They should only charge a prorated amount no matter what the town charges them for taxes. What about people that are not aware of this process?! They pay Kias taxes for the car that they didnt even lease for the whole year.
|
| 07/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
description : I got a leased car XXXX XXXX XXXX from XXXX XXXX XXXX ( in XXXX NJ, ) and the financing company is XXXX XXXX XXXX located in California ( and of course the company holds the Title ) In New Jersey I can not get the. Car registration without the title But Id like to return back to the time of getting the car : - The dealer gave me temporary registration telling me you will get the registration by mail I wait for 3 week, never get it I contacted the dealer in person and by emails and phones but in vain Then I filed a complaint through XXXX, after that I received the registration And didnt notice that it is for one year only While the Lease is 3 years and in New Jersey it is allowed to get 3 year registration InXX/XX/XXXX the registration expired I didnt notice that till XX/XX/XXXX I stopped driving my car and Calle the dealer They told me it is not their responsibility and it is XXXX XXXX XXXX responsibility I contacted XXXX, and they told me that they will send me a power of attorney To apply by my self for renewal of car registration And up till now I wait,!!
|
| 11/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was at a dealership, XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX Florida. They told me they were just going to do a soft credit check to see my credit score and I only authorized for that to be checked. They then without my authorization ran my social through a Kia Motor Finance without even asking me if they could that. I asked them about it because the sales person was acting very strange and did not bring a manager over, I asked her if they were doing something else, I specifically asked that my social would not be run through anything else because I did not give any authorization for it. She said they had not run anything yet but they in fact did and that affected my credit score. I want to report this because that affected my score without my authorization and I strongly believe that should be done about this. I did not want to check for any financing or loans we had not gotten to the point of discussing any of that and they lied to me, she told me they did not run my social and that they did not do any hard inquiries and they actually did. I want something to be done.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I took out a loan with Hyundai Motor Finance in XXXX for a vehicle. I turned in the vehicle in XXXX and was unable to pay the balance due on the loan. In the fall of XXXX, I hired a credit services company to negotiate and most of my existing debts. They connected with Hyundai Motor Finance in XXXX XXXX and negotiated a settlement payoff of {$1800.00}. Hyundai was then given the routing/account number of my bank account to submit an ACH withdrawal with the agreement that the account would be paid in full.
In XXXX, XXXX I noticed on two credit reporting bureaus XXXX and XXXX, that Hyundai was still reporting a balance due of {$2500.00}. I contacted XXXX and XXXX and submitted disputes to them. I also contacted Hyundai Motor Finance and informed them to remove the account or note the loan paid in full.
I received results from XXXX on XXXX. XXXX, XXXX on the dispute where Hyundai Motor Finance reported that the {$1800.00} was paid and there is still a balance due of {$620.00}.
This is false. They agreed to a settlement. I would not have provided my ACH details otherwise.
|
| 11/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/2021 Hyundai Motor Finance received a payoff on my auto loan.
I had refinanced my home and they had sent a check to pay the Hyundai loan in full.
Unfortunately the check overpaid my loan by over {$1000.00}. I called them on or around XX/XX/2021 to inquiry about my refund. They said that they would issue a check which supposedly they did and sent to an old address which wasn't even on the loan with them. I have since contacted them 3 times to see if the check had been reissued. The last time on XX/XX/XXXX after speaking with a XXXX, he told me that the check had on been reissued yet. All of the other employees had told me that it had and sent to my correct address and the only ADDRESS they have for this loan. I requested that the XXXX have the check reissued and sent via XXXX XXXX to my home since it has now been over 60 days since they have been paid in full. He refused unless I gave them a XXXX XXXX #, which I don't have one.
It seems like I am getting the TOTAL RUN AROUND and know if I was 60 days past due that they would definitely be taking some action.
|
| 02/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
In XX/XX/XXXX our Hyundai leased car was totaled in an accident. Our auto insurance XXXX promptly paid the agreed upon value of the car XX/XX/XXXX. Hyundai then worked out the remaining value on the lease with the gap insurer. There was a remaining amount possibly owe. Still to this day unknown to us the lease holders because Hyundai has failed to send us a statement showing what is owed. Between today and when the gap insurer settled with Hyundai we've paid {$500.00} which is the equivalent of two monthly payments. Hyundai for some inexplicable reason deemed and reported our account DELINQUENT. XX/XX/XXXX we contacted Hyundai to address the DELINQUENT status however their customer service department is so chaotic we are still no closer to resolving this situation. We were told this delinquency will remain on our credit report forever even though we owe Hyundai {$0.00} and Hyundai admitted multiple times they designated our account delinquent by mistake. We have never missed a lease payment. Hyundai is refusing us access to our account history including payment history.
|
| 10/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I leased a Hyundai XXXX and turned it in early because I had a new baby and the vehicle has very limited cargo space. I turned it into a local dealer for a larger vehicle in early XX/XX/2021. Hyundai Motor Finance serviced this lease and I was enrolled in XXXX. On XX/XX/2021, Hyundai Motor Finance took a lease payment out of my account for {$390.00}, although I had already turned in my former car nearly XXXX weeks prior. I called them and they indicated they hadn't received the buy out information from the dealer, but I would get a refund within a month or so. I never received this, so called them back. This began a huge runaround with them for the last 4 months in which there is never any movement on my refund. They indicate that nobody from payments can call or email me and can not give me any timeline for my refund. I have to continuously call them for any updates, but nothing ever changes. They acknowledge they owe me the money, but I am left waiting for months. I really do not know what to do, there is no accountability and nobody will contact me with any updates.
|
| 03/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Hello, Thank you for helping me. I leased a XXXX XXXX at the end of my lease I went several days before my lease was up turned in the vehicle and upgraded to a newer model XXXX XXXX 2019 I had my father in law take out the car under his name and add me as a co-signer when releasing my co signer had XXXX credit score the finance manger said he would take care of the mileage overage fee if we released a vehicle with him and we did. Fast forward to 2 years later I went to buy a ca and XXXX dealership told me Kia had XXXX me over they had a written off the car and marked me as a repo I wasnt able to get a car.
If you look at my pending history you will see I have never had a problem with car loans all my cars have been payed off with no inconvenience. What Kia did is inappropriate that manager should have never lied to me. Please I would like someone to help me do what is right. I just ended my lease with Kia and had to pay them XXXX $ and I payed them be i was asked to do so for an authentic charge.
What they did to me is wrong I would like to get help please. Thank you
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have called Hyundai numerous times to try to have my lease account closed and updated on my credit report and my husbands credit report. I have also contacted the credit reporting agencies. I traded my XXXX Hyundai XXXX in on XX/XX/XXXX. They sent me my final bill on XX/XX/XXXX I made the final payment in full and they cashed my check on XX/XX/XXXX. I have called Hyundai and my husband has called numerous times and they keep saying they will submit a request for it to be closed and send a paid letter to us as well as update both of our credit reports. Both our reports are not updated and they are reporting zero information at this point. I have been hung up on and my husband has escalated this to a manger XXXX on XX/XX/XXXX he claims this would be corrected. My husband called again today XX/XX/XXXX and spoke to another manager XXXX and she said the account is still open and put another request In and nothing else she can do to help us. I have enclosed a copy of the final bill they sent me and a copy of my checking account where they cashed my check for that amount.
|
| 07/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I returned a leased vehicle 2 months early with full payment for those 2 months. I was not informed that there would be an early termination fee ( which I feel shouldn't apply. since, I was not so much terminating the lease as I was completing payment obligation ). In any case, I agreed on a settlement amount ( 1/2 of fee ) and paid as requested on time. since that my credit was reported as delinquent and reduced to " bad ''. I called them and they agreed that it was an oversight of theirs that they would correct. My credit did improve after that with 2 of 3 agency 's that I monitored using XXXX XXXX as an indication. However, I was just informed by my bank while trying to apply for a refinance of a loan that XXXX still shows me as delinquent. It has been nearly 1 year since this started and I feel I have been hurt financially repeatedly over months for their inaccurate reporting. And the fact that they were informed months ago and still have not corrected, leaves me feeling bullied. I hope you can help in this matter. I can not afford this.
XXXX XXXX ( XXXX ) XXXX
|
| 08/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I currently obtained an auto loan through Hyundai Motor Finance in XXXX of XXXX. I am trying to pay my loan off faster. When I go online to make a payment there is no principal only payment or additional principal payment option. It will only allow me to make a payment. I called the company today and was informed that I am correct. They do not offer these options. The individual who was helping me at Hyundai Motor Finance call center said I can make a payment, then wait three days, call the finance department to then apply that payment to principal only. I will have to do this every single month, as I plan on making an additional principal only payment every month. Not only is this a complete hassle for the consumer, but I deal the company is making it hard to pay off the loan in a quicker manner. This in turn costs me more money and ensures they make more money. This is bad business practice and I find it cunning and unethical. I would like to see an option on the online payment screen to offer additional principal and principal only options. Thank you, XXXX XXXX
|
| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
HYUNDAI FINANCE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX, It is a violation to re-age a collection account This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
|
| 09/25/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
The Dealer where the car was leased sent a check to Hyundai Motor Finance to cancel the maintenance agreement associated with the car. Check XXXX for {$1300.00} was issued by dealer and cashed by Hyundai on XX/XX/XXXX. I have contacted HMF at least once a week and sent cancelled check copies multiple times. Also say it will be reviewed and I will hear back within 3-5 business days. Check needs to be applied to the pay off value of lease as we need to end this lease early.
Below are dates I have contacted HMF customer service ( more than this but these are dates I wrote notes ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have sent emails through their secure Payment Processing Dept mimecast portal on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
We are incurring additional cost of $ XXXX/month for insurance on this car because we have not been able to proceed with ending this lease since XX/XX/XXXX. Car has not even been driven since XX/XX/XXXX because my father had a fall and longer able to operate a vehicle.
|
| 12/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. HYUNDAI CAPITAL AMERIC XXXX.
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| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2020 I filed a dispute with XXXX over an erroneous listing of bankruptcy filing on my credit report. I contacted my mortgage company and KIA Motors Finance immediately when I found that they had mistakenly moved my accounts into their bankruptcy departments.. The person filing for bankruptcy has the same name and the same last 4 digits of their SSN as I but whose full SSN and state of residence are different.
I was told by both companies that the error would be immediately corrected. They both withdraw my standard monthly payments in early XXXX and unfroze my accounts.
Despite this, XXXX is reporting in its completed investigative report that my KIA account is in bankruptcy based upon KIA 's last update on XX/XX/2020. When I called KIA Motors Finance when I received the report on XX/XX/2020, the company stated that they had updated the correct information on XX/XX/2020. On XX/XX/2020 ( same day ), I called XXXX with the file/control # that KIA provides to XXXX that reflects updated credit information but XXXX claimed they could not make any changes.
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| 07/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Hi, I financed a XXXX XXXX in XX/XX/XXXX XXXX Hyundai Motor Finance company. Unfortunately, my car got totaled in XXXX of XXXX. My insurance paid off the loan, since it took about a month to pay off, I also made my regular payments. At the end, I ended up in overpaying of {$900.00}. I asked for a refund, Hyundai Motor Finance agreed. They said, they mailed me a check, I didn't receive it, when I called they said, it'll take 3 months wait time, I have requested to cancel that check and send me another one. They agreed too. Then they said, they have cancelled the check and mailed me another one. To day ( XX/XX/XXXX ), I didn't receive it yet. I called them again, they said, they mailed on XX/XX/XXXX and asked me they can cancel it and send me another one. I don't understand what's the point of sending another one? I'll miss that check again but I'm not losing any other check, only missing mail is from Hyundai Motor Finance! I'm wondering if they are really mailing the check or just telling me? I should have my overpaid money by now, it's been 6+ months. Thanks
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| 09/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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This is outrageous!!!! It has been over 7 attempts now to get your company to provide the original contract, calculation of deficiency balance, and statement of account along with other documents requested in our letters. Your company has repeatedly failed over and over to provide these documents that we are entitled to. You are acting in bad faith by repeatedly avoiding sending us these documents. XXXX XXXX has spoken to you by phone and told you to please provide the documents and you have failed to do so on a continual basis. To say we are trying to use the CFPB as a mail service for a legal claim is absurd. SO LET ME BE VERY CLEAR! THIS IS A COMPLAINT ABOUT YOUR COMPANY FAILING TO PROVIDE THE LEGALLY REQUIRED NOTICES YOU ARE REQUIRED TO SEND UNDER ARTICLE 9 OF THE UCC. Do you understand? IMMEDIATELY SEND A COPY OF THE ORIGINAL CONTRACT SIGNED BY XXXX XXXX with any arbitration provisions and the other documents requested. Again, in case you missed it SEND A COPY OF THE ORIGINAL CONTRACT INCLUDING ANY ARBITRATION PROVISIONS. PLEASE SEND IT NOW. THANK YOU
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| 10/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Did not receive car title
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Web |
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Requested Hyundai Finance to expediate the process of getting state title transfer from TX as I only have 30 days to register my car and get new plate under law in WA once moved. They mentioned it will take minimum XXXX weeks and refuse to expediate after calling numerous times, mentioning their system will not be able to override and refuse to provide an alternative solution to the urgent issue.
I am also requesting this for my protection to show in case Hyundai Finance continues to postpone and was unable to provide state title to my Vehicle registration office at XXXX XXXX and Services in XXXX, WA on time. Just in case I get tagged for the {$520.00} minimum traffic fine as a resident and did not license my vehicle in WA due to this delay.
I submitted the formal request for state title transfer under Hyundai Finance portal on XX/XX/2023, and now only have XXXX more week until the 30 day limit is up. Attached is what the current status is showing which is still XXXX weeks process time until they will be able to transfer state title which is too long.
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| 08/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I was preparing to sell my vehicle and discovered Hyundai Motor Finance placed a lien on my vehicle when I never took a loan out with them. I purchased the vehicle in XXXX in cash, and found out that the dealership listed Hyundai Motor Finance as the lien holder. I purchased the car in cash. I never took out a loan or lien. I have tried contacting Hyundai Motor Finance and the dealership XXXX XXXX XXXX multiple times since XX/XX/XXXX to have the lien released. No one has been able to get the lien released. I have faxed over proof of sale and the title application that shows Hyundai Motor Finance as the lien-holder. They all agree there should not be lien, and that there is no loan, and that this was a mistake. I have contacted the Wisconsin DOT and they explained that because the state uses electronic titles, this should be quick to resolve. I can not sell my car without the title and need the lien released and the title sent to my address. I am also having to pay for the car to be insured and registered when I do n't drive it and am trying to sell it.
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| 06/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX ACCOUNT # XXXX To Whom It May Concern : IT IS TOTALLY RIDICULOUS THAT AN AUTOMATED PAYMENT OF {$220.00} WAS TAKEN OUT OF MY ACCOUNT WHEN I ONLY OWED {$93.00}. THE EXCUSE GIVEN IS EVEN MORE RIDICULOUS BY XXXX AND XXXX AGENT # XXXX. IF I DO NOT OWE BUT {$93.00} THEN THAT IS WHAT SHOULD HAVE BEEN TAKEN. I REQUESTED THAT THIS BE IMMEDIATELY REFUNDED OR CREDITED TO MY ACCOUNT AND WAS TOLD THAT IT WOULD TAKE UP TO 30 DAYS. IF YOU CAN AUTOMATICALLY RECEIVE MY MONEY WHY CANT YOU AUTOMATICALLY REFUND MY MONEY.
I CALLED ABOUT MY LAST PAYMENT BEFORE IT WAS DUE AND NONE OF YOUR EMPLOYEES INFORMED ME THAT I SHOULD STOP THE AUTOMATIC WITHDRAWAL AND / OR CHANGE IT TO THE AMOUNT THAT I OWED. EVEN SO, YOUR SYSTEM SHOULD NOT TAKE MONEY THAT IS NOT OWED.
I AM SENDING THIS LETTER TO THE STATE DEPARTMENT AND ANYONE ELSE THAT WILL TAKE ACTION SO THAT THIS WILL NOT HAPPEN AGAIN TO ANYONE OF YOUR CUSTOMERS.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CC STATE OF XXXX
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| 10/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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I purchased the prepaid maintenance package along with my brand new car. I was told it would include all types of maintenance including brake pads, timing belt etc by the finance manager XXXX. He declined to provide a pamphlet detailing the package when I requested it. Since I had been waiting for over 3 hours at the dealership, I fell for his sales tactic and bought it ~ {$1900.00}. I went home the same night and researched the package and found out XXXX misrepresented the package to make a sale, it only includes oil change & tire rotation. Anyway I went back to the dealership on XX/XX/2021 and canceled the purchase and requested a refund. I was told by XXXX the purchase amount ~ {$1900.00} would be removed from My loan principal but its been 2 months and its accruing interests and they still wont remove it from my loan. Contacted both Hyundai finance ( 4 emails, calls directly to Hyundai finance ) and the dealership ( over 5 emails and in person visit ) and no one would help. Please help me to get my refund and interests accrued removed from my loan
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| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I purchased this car in XXXX of XXXX. The delearship misrepresented the federal tax credits for this fuel cell vehicle and I feel that if I had known that there was not a {$8000.00} federal tax credit for this car I would not have purchased it. I have asked the dealership and Hyundai Motor Headquarters to send me the Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Manufacturers Certification Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Domestic Distributors Certification But none of them have sent me this information. In addition, ever since purchasing this vehicle they have been offering $ XXXX off of the MSRP price versus when I purchased the vehicle the discount was for $ XXXX off of the MSRP price. I don't think it is good business practice for them to offer an additional $ XXXX off of the price only 2 months after purchasing the vehicle and extend that offer for this length of a period of time. Obviously the discount has been in place for this long because they do not see the vehicle valued as much as they thought.
|
| 04/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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DATE : XX/XX/XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
RE : Hyundia account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with XXXX. I sent Hyundai and XXXX two disputes on XX/XX/XXXX regarding five late payments, they where never late Hyundai did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''.
I had spoken with XXXX XXXX from XXXX today XX/XX/XXXX and found the Hyundai account not reporting the entire payment history beginning XX/XX/XXXX-XX/XX/XXXX. There is four years of payment data history missing and I asked Hyundai and XXXX ( XXXX XXXX ) to include that payment history because it is not showing on my account.
As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking XXXX to include all the payment history in the record.
|
| 01/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I am thoroughly annoyed and words can not describe how angry I am. I recently complained about XXXX XXXX XXXX in terms of my 2014 lease. I went to court, contacted a lawyer, and complained to CFPB to have them remove information from my credit report regarding end of lease payments. Everything was resolved and they agreed that they were at fault and removed negative comments and adjusted my amount owed. I paid the amount due ( XXXX reference # XXXX ) and thought that all was well. In complete shock, my credit score has dropped 53 points. Went to check the reason and it was XXXX XXXX XXXX reporting that I have not paid the amount due and that it is now in collections. I filed a previous complaint thinking that they made a mistake and reported that I did not pay my car payment on time, yet it was this same XXXX XXXX XXXX. This nightmare with this lease will not end and I am at my wits head. I need this company to remedy this situation as soon as possible. This is outrageous and I am unclear as to what kind of individuals are working at this company.
|
| 07/26/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
Older American |
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The vehicle in question, a XXXX XXXX XXXX, was turned into XXXX XXXX ( XXXX, NH ) on XXXX XX/XX/XXXX. We replaced this vehicle with a XXXX XXXX XXXX, leased from XXXX XXXX. It was our understanding that our responsibility for the XXXX XXXX XXXX ended on that date, and we canceled the insurance, and of course made no more payments. In looking at our credit report we see Hyundai claiming we made the XXXX and XX/XX/XXXX payments WE DID NOT. Suddenly in XXXX, XXXX reports we are 30 days past due, not only that, but that we owe {$760.00}! We NEVER received written correspondence from Hyundai Finance, and they certainly had our correct address because we are paying a NEW lease with them for the XXXX XXXX XXXX, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time up through XXXX, when the XXXX XXXX XXXX was returned to XXXX XXXX. I have contacted Hyundai Financing and they said a supervisor would contact me ... never happened. My credit score has dropped from XXXX to XXXX!!!!!!
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| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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This car was involved in a horrific accident that was not my fault. I was never advised that after the insurance company paid off the car that the balance needed to be paid within 90 days. There were payments made monthly of {$700.00}. A check was sent for {$1300.00} ( balance ) at the end of XXXX. They did not receive it or post it till the second week of XXXX. When I realized they still hadnt cashed the check, I called and made the payment over the phone but they had just reported that it was charged off. They gave me no notice, nothing! My credit score has tanked because of this and I had a great credit score that I worked hard to achieve. Hyundai refuses to do anything to help. It shows paid but it is still affecting my credit. I have a lawyer for the accident and will be willing to provide whatever you need. They also cashed the check after they received the payment over the phone and will not return it for 3-5 weeks!! This is unacceptable! Please help me fix this mess. I am still recovering from this accident and this all seems very unfair.
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| 07/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I spoke to KIA in XX/XX/XXXX about my account. I have been unable to work since XX/XX/XXXX, I receive 60 % of my salary. I had to place six to ten payment to the end of my car loan since XX/XX/XXXX. I spoke with them around XX/XX/XXXX. I explained I could not payoff this loan XX/XX/XXXX. They said I could keep making the monthly payment until it is paid off. Now I get a letter saying I am 48 days pass due as of XX/XX/XXXX. I wanted the due dated extended till the total payoff of XX/XX/XXXX. I had to take a double look and see they sent a default notice to me anyway. I owe {$700.00} I called twice to get help, all they kept saying was pay now, pay now. I felt such pressure I said I would pay {$100.00} by XX/XX/XXXX. However the clock keeps ticking and they are reporting me late on my credit report. I get paid once a month on the XX/XX/XXXX, Please can you help me.I already got beat by KIA selling me a fraud type car warranty. I also want add the KIA warranty to this complaint. Never used it, never asked for it, they added the {$3000.00} to my loan
|
| 07/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.
KIA XXXX XXXX XX/XX/2015
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| 06/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I purchased my XXXX Kia XXXX outright at the end of the lease in XX/XX/XXXX and since it was titled in KIA Motors name they cancelled the registration and I was charged for new registration as proof in car purchase terms. I received a bill from Kia in XX/XX/XXXX for taxes for XXXX year and I paid with check XXXX XX/XX/XXXXXXXX for {$630.00} ( proof of check and cashed by KM ) then I received a tax bill from XXXX XXXX indicating I owed taxes for XXXX and if not paid then registration would be canceled. I paid again to them directly with check XXXX. I was told Kia never paid taxes but due to vehicle being in their name I couldnt check. I have tried numerous times with Kia to resolve without anything. They keep telling me different ways to resolve - last time was proof I turned in plates but I kept the plates as was given option and still on vehicle - registration is in my names I have submitted proof of all cancelled checks and correspondence and letters which they have failed to refund for paying taxes twice for same year and same vehicle.
|
| 10/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XXXX I opened a complain on this site ( Complain # XXXX - report is attached ) because KIA was charging me late fees when I had applied and been approved in a monthly basis for referred payments until XXXX due to the COVID pandemic. By XX/XX/2020 Kia finally responded that they were waiving any late fee I was being charged and apologized for all the inconvenience.
Today I learned that KIA had reported to the Credit Bureau that my account was late for 30 days, impacting negatively to my credit history.
I am very much mortified for all the inconvenience and headaches KIA Financial has put me through. I had a credit score was outstanding and now it has decreased significantly decreased because of this situation.
Kia had taken almost TWO months to take care of the prior related issue and it was not even do it right. They have handle this situation very poorly.
Now I have to waste time, resources again, to have this issue fix. This is not ok.
I am enclosing the report that was filed and recently closed related to this current issue.
|
| 05/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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XXXX XXXX XXXX reported a 60 DAY late payment on my Credit.
I have returened my XXXX XXXX after lease was over to the dealer, on XX/XX/XXXX.
On XX/XX/XXXX i received a collection letter from XXXX XXXX XXXX that i have a balance of {$220.00} for bumper damage on my car. Which i paid the same day hoping that they will not report to credit bureaus.
The problem is that when i was returing the car back in XX/XX/XXXX at the dealer they told me that i do not owe any money to XXXX XXXX XXXX for bumper damage or any minor scratches beacuse i had an Excess Wear & Tear Protection for {$5000.00} and i have all supporting documents.
I tried to dispute the error with XXXX XXXX XXXX but they do not want admit their mistake and remove that 60 day late from all major national credit bureaus.
All my attempts to exlain them that i would never miss a payment and damage my credit history, specailly that i have 2 other open accounts with XXXX XXXX XXXX, and have always made my payments on time, did not convince them to currect their mistake.
Thank You
|
| 05/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Originally contacted XX/XX/2021 hmfusa ( Hyundai Motor Finance ) ; a " charge-off '' was placed on my account after the vehicle was deemed a total-loss ( losing XXXX points on my credit score ), as never being late on any payments and paying my loan as agreed per terms of my agreement I contacted hmfusa and requested the inaccuracy to be removed and sent a letter on XX/XX/2021 to hmfusa XXXX as of today ( XX/XX/2021 ) I continue to make timely payments as agreed by my loan 's terms. I disputed this inaccuracy with XXXX XXXX and XXXX and so far XXXX denied my request to delete the charge off status even though I have proof that I was never late or less than the minimum amount per month. I don't believe it is okay to mark a customer 's account as a " charge off '' and damage their credit when they've never been late or had missed payments. and nowhere in my loan contract states that you are able to determine the account as a " charge-off '' whenever you feel like it. In conclusion, I will never do business with Hyundai Motor Finance again.
|
| 09/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Per my contract i will be asserting my rights as the debtor. My rights are the finance charge should have been the sum of all charges pursuant to 15 usc 1605. There was a downpayment in a consumer credit transaction per federal law when a downpayment is taken the car is considered paid in full. The entire credit sale was completed and paid for at the signing of the INSTRUMENT. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Pursuant to 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). You are not exemption from this. I will upload the contract which will be exhibit A the the highlighted sections.
|
| 11/10/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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|
Hello, My name is XXXX XXXX, I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX, it's now XX/XX/XXXX and I haven't received my car title.
I have contacted Hyundai Finance in writing in XXXX of XXXX, and I have called multiple times, in writing, I have contacted XXXXXXXX XXXX by phone and in written ( XXXX of XXXX ) for my title to no avail. I have recently ( XX/XX/XXXX ) conversed with Hyundai Lease Titling Trust directly to resolve this issue to no avail. Since XX/XX/XXXX of XXXX I have been calling and requesting every intity involved to aquire my title, as of XX/XX/XXXX I have yet to receive my car title. I have also visited my local tag office in XXXX, Georgia to aquire my title, I was informed the title hasn't been released from Hyundai Lease Titling Trust.
It is my understanding, by law, a company has 30 days to issue the consumer their title.
Please contact me on how to pursue this urgent matter. You may email at XXXX, or, you may contact me by my cell number at XXXX Cordially, XXXX XXXX
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Hyundai Motor Finance is falsely reporting I paid account late from XX/XX/XXXX until XXXX of XXXX! I made all payments to Hyundai and the payment was on time! This is fraud Hyundai Motor Finance is committing! Also the credit Bureaus all three refuse to remove the false late payments from my credit report!
I paid the car loan off in XXXX! Because of Hyundai deceitful business practices! Due to Hyundai fraud of reporting my payments late my credit is ruined! My score will s below XXXX and this false late payments information Hyundai is reporting on my credit is hurting me because I being denied a home! Cant get an apartment nor credit! The late payments were removed and in XX/XX/XXXX Hyundai reported to the credit bureaus these false late payments! I made all my payments on time and never was late! I paid the loan off in XXXX and to date the credit bureaus is unlawfully saying this account that I opened in XXXX and paid off in XXXX will remain showing these late payments until XXXX! This is against the Fair Credit Laws! I need help.
|
| 01/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
I paid off loan # XXXX for a XXXX XXXX on XX/XX/XXXX, I have not received the title for this car, I was told that the title was maile to the state of Alabama. The state says they do not have the title.
My Profile Contact Details First Name XXXX XXXX XXXX Last Name XXXX XXXX XXXX XXXX XXXX Email XXXX MY ACCOUNT SummaryDetailsStatements Vehicle Description XXXX XXXX XXXX VIN # XXXX Customer Name XXXX XXXX Current Amount Due {$0.00} Total Amount Due {$0.00} CHECK PENDING PAYMENTS Last Payment Amount {$5000.00} Last Payment Date XX/XX/XXXX Principal Balance {$0.00} Contract Date XX/XX/XXXX Payment Due Date XX/XX/XXXX The principal balance on your account is the amount unpaid on the account, but does not include interest or other charges. This is different than Payoff amount.
AUTOPAY Say goodbye to stamps and checks. Say hello to ease and convenience.
Sign up now YOUR DEALER ( XXXX ) XXXX XXXX XXXX XXXX PhoneXXXXFax.XXXX Visit dealer website OUR COMPANY CONTACT US FAQS CAREERS SITE MAP FIND A DEALER TERMS & CONDITIONS PRIVACY POLICY
|
| 04/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/2021 I called Hyundai Motor Finance to transfer my title held by them from XXXX to XXXX. They sent me an email to respond to with the documents the need to send to XXXX. XXXX gives me 30 days to register my vehicle after moving. On XX/XX/2021 I went to the DMV to see if they received the documentation from Hyundai Motor Finance and they did not have it. I then called Hyundai Motor Finance and they had no record of my transfer request and they could not contact anyone in their title department to find the request. They told me to resubmit the request which could take another 15 business days to process. There was no one I could escalate to that could contact the title department to fix the issue with their process. This is unacceptable as my insurance called me to end my policy since my car is registered in a state I don't live in. My registration also expires on XX/XX/2021 which I am unable to renew since I no longer live in XXXX. Now because Hyundai Motor Finance dropped the ball I am unable to drive my family 's only car.
|
| 01/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
I was 52 day late for payment on XX/XX/XXXX and tried to make a payment. The online would not allow me to make the payment. ( I have attached a copy of the Screen ) My account was not available for payment. I called after a second try and the representative told me that my account was okay for the payment did not uderstand why we couldn't put it through. Since I was at work, I didn't have time to talk with her, but I told her I would call back. On the XX/XX/XXXX they repossessed my car, after the majority of the loan has been paid. Erroneiously, I was under the impression one had to be ninty day late before a car would be repossed. The account on the paper work makes it appear that three payments were due, but the second one was just coming due and that's why I wanted to pay it before the second one became due. Additionally they company XXXX the person they contracted with to get a tow company was on the phone with me for over an hour trying to get the tow Company XXXX XXXX XXXX to allow me to get all my belongings and the wouldn't.
|
| 10/25/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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Hello, I sent the the check for paying off the lease on XX/XX/2021, more than 4 months have passed I still do not have my title on the car. I called the Hyundai Motor Finance company several times, every time I called them, they gave me misinformation. Whenever I asked for the last name, direct phone number or extension number or email address of the person, they did not provide those information. On XX/XX/2021 I spoke to their representative in their title department, I was told that the title was released to my mailing address on XX/XX/2021, I told her I did not received the title, I asked her if you can please mail it to me through a certified mail, I offered I will pay for the postage cost, she said she can not do that. She suggested for me to send sent a written request along with a DMV fee for a duplicate title to their address. On XX/XX/2021, I sent what she requested through USPS next day delivery. On XX/XX/2021, I spoke to their supervisor, he said they still has not received the mail that I sent on XX/XX/2021. Thank You!
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| 09/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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Back in XX/XX/XXXX my wife and I decided to trade-in our XXXX XXXX XXXX Coupe Vehicle and get a XXXX XXXX XXXX Lease Contract.
We drove it until XX/XX/XXXX and decided we were paying to much for the car and the car insurance when I was not using the car as often because my new job at the time was in the city and I took public transportation to get to work ( The car was literally parked 5 days a week ). My wife and I decided to return the vehicle still in NEW condition.
I was told because it was relatively new, I after they send it to an Auction, I was more likely to pay a small amount back, due to the condition of the vehicle.
After a few months we notice XXXX XXXX decided to notify us that we still owe {$17000.00} which I believe is too high, considering the vehicle is a XXXX vehicle and is in great condition. To make matters worse, I was forced to re-signed at the job I had and was unable to pay that Debt and now they affected my wife and my credit score for not being able to pay that huge amount, for a car we barely used.
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| 05/12/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have an overdue payment with Hyundai Motor Finance ( payment due XX/XX/ ). The collections department from this company has called my cellphone to attempt to collect the debt XXXX times today ( XXXX XXXX.
Call timestamps are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The calls are coming from the phone number XXXX and appearing on caller ID as Hyundai Capital.
I returned their call, at the number they have been calling me from, and attempted to request that they cease and desist because they are in direct violation of my rights as a consumer under the Fair Debt Collection Practices Act. Whomever answered my return call refused to transfer my call to the appropriate manager until I furnished either my account number or complete social security number so they could access my records ; however, the automated system that answered my return call had already identified me by the phone number I was calling from, and verified my identity by requesting an input of the last XXXX digits of my SSN, which I provided.
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| 09/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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on XX/XX/2021 a payment was sent to kia motor finance check was cashed on XX/XX/2021 on XX/XX/2021 i recived a call from kia that i did not make a payment i checked my checking account and saw it was cashed on XX/XX/2021 i gave them a payment over the phone in hope that it could be found after talking to XXXX at the end of XXXX she said she found the missing money and it would be credit to my account in 5 to 7 days never happened called back beginning of XX/XX/2021 talked to XXXX again was told that the money was there would be applied to my account in 5to 7 days and was told not to make anther payment untill this was resolved. on XX/XX/2021 i recived a call from kia stating i was past due and needed to make a payment at once. after trying to explain i was transferred to XXXX XXXX who also said he found the missing payment and it would be credited in 5 to 7 days i cant get these people to fix this i only have 1 more payment due until lease end this has now been going on for 75 days and my account is showing past due please help
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| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
Older American, Servicemember |
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I had a 3 year lease on a XXXX with auto payments and it was returned in XX/XX/XXXX. I have never missed a payment on any bill since year XXXX. In XXXX XXXX I moved and notified XXXX of my address change. Apparently there was a final bill for {$730.00} for inspection and return. That payment should have been taken from the Auto payment. I never received a bill. A year later I received in the mail at current address a notice of amount due {$730.00} from XXXX XXXX. I called them and told them I would pay some of the bill. There were inaccuracies as to an accident where a XXXX insurance payment was paid by the person at fault to XXXX ... also a year after auto was returned.
I called XXXX twice and I was forwarded to a deptartment that had closed the case. No one answered and I could not leave a voice message, because the account was closed.
I wrote three times to XX/XX/XXXX and they sent me in the mail a " Your Dispute Results '' which gave me my report of delingquent payments on all accounts, but said nothing about my dispute.
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| 06/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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My leased car was return to Hyundai in XX/XX/XXXX.
The Balance on my account as shown in the XX/XX/XXXX Statement was {$0.00}.
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was reported as late. This is not possible as there was a XXXX balance. Please see the attached report from XXXX XXXX.
I owed nothing but, I was reported as 30, 60 and 90 days late in payments to the credit bureau.
I contacted XXXX XXXX XXXX and was told " you have not provided sufficient information for us to begin an investigation ''.
I provided my XX/XX/XXXX statement and the credit report from XXXX showing a XXXX balance in the XXXX XXXX account, but yet payment for this XXXX balance was reported as late!!
My credit score prior to this was XXXX, it has dropped over 100 points through no fault of my own and XXXX XXXX XXXX is not even researching the problem!!!
I have never been late for any payment to any creditor in my life and I am annoyed and surprised at how dismissive and unwilling to fix their own mistake XXXX XXXX XXXX is being!
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| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We purchased a XXXX XXXX XXXX from the dealership. We made all payments and decided to pay the car off early. We called for a payoff and was given one that overpaid the car by more than XXXX. ( XX/XX/XXXX ) We were told we would receive a refund with 30 days. After 30 days have passed, we still have not received a refund. We called and were told we had to an additional 15 days. We did. At this point, it is now XXXX and we still have not received a refund. We are give to the run around and every time we are told that it is escalating to upper management and should receive the refund in 3-5 business days, we never do. On Hyundais end, they keep cancelling the refund. At this point I feel like they are looking for a reason to keep my money. Its almost like theft and fraud. Its 60 days passed the time I have paid the car in full and still have yet to receive a refund. I have been several case numbers and everytime I call my case has been cancelled or a system glitch and it was cancelled. I have been patient but this is getting old.
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| 02/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American, Servicemember |
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On XX/XX/XXXX I paid my vehicle loan off with Hyundai Motor Finance USA in full. I was told that it would take 10 business days to audit the loan, close my loan, and release my title. On XX/XX/XXXX I called back to inquire about the status of my title release, but I was told that the loan was still showing active. The rep stated that she would escalate the issue and it would be an additional 10 business days before the title would be released. On XX/XX/XXXX I called again to inquire about the title release and was told that the account was still active. The rep stated that she would escalate the issue and the title would be released in 10 business days. I gave a little more time and called back on XX/XX/XXXX only to be told my loan is still active and has not been closed or sent for the title to be released. There is no phone number to reach the title department nor was I given an email address to get this resolved. At this point I feel like no one is processing my loan closure and they are not working to get my title released.
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| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Due to current market situation I decided to buy out my lease. I decided to go through my personal bank and obtain the loan. I mailed the check to Hyundai Motor Finance which was cashed. I called them almost a month after it being paid off with questions on why I havent received my title. They then told me I had to request the title to be sent out. I requested the title to be sent to my XXXX XXXXy address since it was more convenient at the time. I called twice to make sure the title was sent to my XXXX address and was assured that it would. XXXX month later still no title at my XXXX address or XXXX address. They also told me that the title needs a signature or else they carrier will not deliver it which would then be returned to Hyundai and they can re send it. That never happened. asked Hyundai to escalate my case and have not heard from them since. They want me to mail them a letter with money in order for them to send me another title. Every time I give them a call, I get the run around and I am OVER IT. I need my title!
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| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX. I finished paying off my car loan loan to Kia Motors Finance. After I received the paid in full letter and the title for the vehicle. Kia Motors Finance continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from Kia Motors Finance demanded was {$1400.00}. When I refused Kia Motors Finance started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York Office Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation Kia Motors Finance admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. Kia motors Finance has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.
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| 07/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
Servicemember |
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I was behind on my payments and went on line for help. They said I had to write to them for payment help due to hours cut from COVID19. I wrote on XX/XX/XXXXand made one payment. I told them about the rules from the Arizona Attorney General which advised all vehicle loan financiers to waive payments for 90 days and extend to put on the end of the contract with no additional interest, due to financial problems from the Coronavirus shutdowns in Arizona.
They did not respond to me But repossessed car in XX/XX/XXXX without any notifications. I made numerous calls and spoke to many people trying to get my car released. I spoke to manager of reinstatements, customer care department. I send documents to them which they said they would send to the legal department. They set up a case and promised they would have it reviewed by legal, but never did. they also set up a customer care case and promised a response in 3 days and never got back to me, case # XXXX, all on XX/XX/XXXX and as of today, XX/XX/XXXX, not a word back from them.
|
| 04/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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|
Web |
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I have a loan with Hyundai Motor Finance that matured in XXXX XXXX. I had some payments deferred to the back of the loan which were due after the maturity date. I have a contract with HMF stating that these payments were acceptable after XX/XX/XXXX, beginning in XXXX XXXX. I have been making these payments two weeks late because my mortgage payment is due at the same time. I do pay the {$30.00} late fee that they request. HMF is stating that I am 30 days delinquent and have reported that on my credit, which has brought my score down significantly. I have the contract from HMF which states that these payments are acceptable, however when I spoke with a representative they were saying that they would withhold the title on the car when I have completed the payments in XX/XX/XXXX. They have also threatened repossession of the vehicle. They are not honoring their own contract, they are phoning my home after I told them not to contact me there. I have a XXXX wife and this is XXXX to her health. I want them to honor their contract.
|
| 12/05/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
2017 My first lease with XXXX XXXX I received 3 tax amounts from city of XXXX XXXX. XXXX paid 2 of the amounts and had me repay them for the town taxes. I never received credit for any of those payments at tax time. I continued my next lease with them as I understood their processes to pay them tax back when able.
They must have changed the process and did not notify people. I am now told that my payments made on time are not on time as my money was applied to town taxes. I explained to them that even town taxes don't work that way and if you don't pay you will deal with the XXXX yourself. I am not sure why they are stressing out consumers with the on going pandemic, recession and life? I promise I will not go back to them next lease!! I was informed that if I don't pay the tax part because that is the part they are looking for that I will be in default of my lease loan? I have 15 days to do this in.
I feel taken advantage of, oh and my car payments are {$420.00} monthly and I make XXXX an hour. XXXX XXXX and divorced!
|
| 08/09/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
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I visited the XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, NJ, I got into a new lease on XX/XX/XXXX of a XXXX XXXX XXXX at a monthly rate of {$470.00}. I made a {$4500.00} down payment including taxes. At the same time of this lease, I was also trading in a new XXXX XXXX XXXX car that was purchased on XX/XX/XXXX for {$23000.00} with a down payment of {$5500.00}. This car was financed at 16 % for 72 months. I brought this XXXX XXXX XXXX back with XXXX miles. The rollover value into the new lease was {$6900.00} vs the car 's actual value. The remaining balance went into the cost of the lease impacting the monthly payments with negative equity from the previous undervalued, high value trade in. This car most certainly sold for more than I received as trade in value. My monthly payments are unnecessarily high, despite the car 's rates currently being advertised for less. Rates at {$200.00}. I 'm unable to get out of this lease into a better option by fault of the negative equity of the previous car applied to this current lease.
|
| 12/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
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Attached please find the important information pertaining to my case.
NOTICE : Please be advised that I am not represented by XXXX XXXX XXXX XXXX in XXXX XXXX, CA. I have no legal representation in California.
1. On XX/XX/XXXX, I purchased a XXXX KIA XXXX XXXX # XXXX at KIA of XXXX, CA. I requested for a trade in with my XXXX KIA XXXX XXXX # XXXX for another KIA vehicle but they refused to do so.
On XX/XX/XXXX, I contacted KIA Finance America to request early termination of my XXXX XXXX XXXX XXXX. They said it was allowable for me to do so and surrender the vehicle to any KIA dealership such as the KIA XXXX in California in which I did.
KIA Finance America is charging me {$14000.00} for Early Termination Fee.
2. On XX/XX/XXXXXXXX I was involved in a very serious car accident wherein a big rig truck side swiped my XXXX XXXX causing it to be totaled. I still suffer from injuries and discomforts from the accident. KIA Finance America was paid the totaled car value by my XXXX XXXX XXXX in the amount of {$25000.00}.
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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Re : Hyundai Motor Finance Lease Agreement, dated XX/XX/XXXX Account Number : XXXX Leased Vehicle : XXXX HYUNDAI XXXX XXXX XXXX XXXX : XXXX Hyundai reports to ( 3 ) credit reporting agencies that I am past due $ XXXXAttached are receipts that show not only that am I not past due, but paid more than the agreed upon settlement offer of {$4800.00}.
{$1200.00} paid to XXXX XXXX Acct # XXXX XXXX # XXXX and {$4900.00} to XXXX XXXX XXXX XXXX XXXX.
Listed below are complaints to the cfpb from XXXX regarding the adverse actions I have received related to inaccuracies and unwillingness, based on the responses to the cfpb, to correct errors.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX current one XX/XX/XXXX XXXX Dispute- # XXXX Hyundai states it previously received no letters from me which is a blanket statement that anyone can make on their behalf and to their advantage. Attached are certified return receipt of a XX/XX/XXXX correspondence along with a copy of the letter digitally signed.
|
| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
KIA motor finance stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and XXXX handled the case. XXXX sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to KIA not sending paperwork correctly. Can have XXXX provide information on that statement.
XXXX said the {$500.00} was not due KIA, I can request phone recordings.
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after KIA bulk reporting several months of late at once and after XXXX informed me that the {$500.00} was not due to KIA. KIA says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting XXXX said not too pay. KIA emailed a letter with different numbers, we paid the {$500.00}
|
| 01/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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My daughter 's car was repossessed by Kia Motor Finance. I was going to pay to get the car out of impound and refinance the car in my name. Kia told me that once the payment to the impound yard posted they could give me a payoff amount. On XX/XX/2017 I received a payoff amount and that amount was good through XX/XX/2017 with a per diem amount of XXXX. I mailed a check for that amount on XX/XX/2017. On XX/XX/2017 the bank notified me that they had not received the Title for the vehicle from Kia Motor Finance. I called Kia and spent over 1 hour on the phone with XXXX different people who all told me the same thing. After Kia gave me the payoff amount, the next day they added a fee for repossessing the vehicle and now I owed a balance of XXXX dollars and unless I paid that balance they would not release the Title. This amounts to extortion. They knew that the vehicle was in repossession, I asked for a payoff amount, and I paid the amount that they told me to pay. Now they will not release my title unless I pay another XXXX.
|
| 07/12/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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On XXXX / XXXX / 2017 I paid Hyundai Motor Finance my monthly lease bill of {$380.00} for my Hyundai XXXX . I had an error on my internet cause the browser to refresh. The payment had came out XXXX times causing my checking account to overdraft into - {$900.00} including penalties and fees. I had contacted Hyundai Motor Finance shortly after the discovery of the overdraft. They promised me a refund when I spoke with a representative. I contacted them again a couple days later and I spoke with a representative to find out when the refund will be, because myself and my family are hurting so bad financial. The representative said they wont refund me the full amount which is {$760.00} they will only give me {$380.00} and the extra payment can go towards this or next months bill. They also stated it takes 20 days for a refund. I immediately contacted my bank to dispute the charges. It is apparent that Hyundai Motor Finance does NOT fulfill their financial obligations of a refund and this is considered a crime of theft.
|
| 05/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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Complaint number : XXXX This has not been resolved, we have made numerous calls to Hyundai Financial an d we still do not have our title, even the XXXX XXXX called them on XXXX XXXX and we still ca n't get it. First they said they sent the title on XXXX XXXX , then the XXXX on the next call. Then they said they had sent us a title release letter on XXXX XXXX we finally did get one dated XXXX XXXX and it 's absolutely worthless it has to be electronically transmitted to the XXXX . The last call a couple of days ago they claimed they sent it electronically to the XXXX XXXX XXXX on XXXX XXXX we live in Nebraska and have done for 25 years. We have repeatedly asked for call backs from managers and they tell us they do n't do call backs. These people are incompetent! Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XXXX / XXXX / XXXX Date sent to company : XXXX / XXXX / XXXX Product : Consumer Loan Issue : Managing the loan or lease
|
| 12/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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This consumer complaint is primarily based on KIA Finance applying inappropriately for monthly payments on account XXXX. On or about XX/XX/2021, Complainant processed payment of the said account of {$4000.00}. At which time of the last date of payment Complainant account was two months in advance in the monthly vehicle payments. When the Complainant made the payment of XXXX, this advanced payment carried the Complainant account $ XXXX {$330.00} = ~12 months in advanced payments. This meant Complainant 's next vehicle monthly payment was not due until XXXX. The Complainant requests that KIA Finance immediately rescind all notifications to the three major credit bureaus, return all late charges levy on said account due to KIA finance inappropriately payments, and place the said account in its proper status, updated. On XX/XX/2021, Complainant spoke with a representative ( XXXX ) from KIA Collection ( XXXX ) or the arrearage Department, informing him that he could not assistance the Complainant on his account problems.
|
| 06/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a car during the summer of 2019. I took a loan on the car from Hyundai Motor Finance and then paid my car off in full. Before doing so, I ensured they had updated my information in their system to my new address. They decided to send the new title to the old address anyways and I never received it.
Since then, I have asked for a duplicate title and/or a lien of release. I have called and made this request multiple times over the past 6 months, they always claim to send it out, and it never arrives. My car registration recently expired, and now I ca n't drive it since I can't register it without my title. This means I am experiencing actual damages from the company 's inability to fulfill its final step of the contract.
I filed a previous CFPB complaint on this matter, but it was closed after their response. They promised to send it via courier ( for a signature ) ASAP, but it still hasn't arrived, nearly a month later. Hyundai Motor Finance is not fulfilling their contract and I desperately need help.
|
| 06/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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I filed a complaint against hyundai motor finance in XXXX about a refund that was suppose to be issued to me. This company states that they mailed the refund on XX/XX/XXXX. I have not received that payment and it is almost a month since then. I have requested a stop and reissue on XX/XX/XXXX now I'm being told the request was not put in until the XXXX of XXXX which I spoke to another representative to follow up on the stop and reissue from XX/XX/XXXX. I am being told to wait for processing times week after week after week. This company is holding my money and they refuse to pay me. They never sent a check to begin with because it does not take 30 days to receive mail!!! I am given no choice but to take this matter further to the courts as this company is giving false information and giving run around. I called today and asked to speak to a supervisor and surprisingly there are no supervisors. What a coincidence. This company is crooks and they are stealing people money and refusing to pay what they owe to customers.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
It appears that XXXX and Hyundai Motor Finance have no shame and are clearly illiterate. XXXX XXXX initial response ( Report number XXXX ) to my prior complaint is filled with inaccuracies and personal information that does not belong to me. Going forward I am not going to do their job for them ; I expect true due diligence from XXXX.
Even if Hyundai Finance certified the information is correct ( it isn't ), a quick look at the remainder of my file would reveal that it is replete with information about another individual, XXXX XXXX XXXX, in the personal information section.
This sad pathetic XXXX XXXX engaged in by these two companies has to be resolved by them first before I begin to dispute every XXXX item that is incorrect and illegally reveals another 's personal information to me.
Here 's my suggestion. Figure out what information belongs to XXXX XXXX XXXX and his spouse, separate it from XXXX XXXX XXXX XXXX 's information and then submit that to both parties for verification. You owe us nothing less.
|
| 10/17/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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|
I have a leased car from KIA motors. In my contract it states I am liable for toll fines. Apparently I had a toll fine in the state of MA. I was unaware of the fine and would have protested it. MA billed the fine directly to KIA. The fine was {$50.00}. KIA paid the fine late and was assessed a late fee of {$40.00} for a total of {$90.00}. KIA paid the fine without my knowledge. KIA then sent me a copy of the fine from the state of MA and a bill for {$50.00}. KIA did n't try and charge me the late fee. I tried to protest but was told by the state of MA I could n't because the fine was already paid. Frustrated I paid the {$50.00}. This month I got my normal lease bill in the mail and it included tax on the fine. I called KIA and questioned the tax. KIA told me the contract allows them to charge me tax. I questioned how they can charge me tax on a state fine when there is no tax on the fine. I want this reversed. I told them I am not paying the tax. This should be illegal. I am concerned this will hit my credit report.
|
| 05/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
Purchased a new auto in XX/XX/2020, andcontacted KIA Lease End about early termination while we were purchasing a KIA.
The dealer that we have an ongoing relationship with, agreed to pay off any early termination costs when purchasing the auto.
Everything was fine up until XX/XX/2020 when someone from KIA leasing contacted my wife at work about an unpaid balance past due, and was being referred to collections. This is the first we had heard of the issue. We requested a copy of the invoice, they said they would send it and email a copy asap. They have not done either as of today. Again contacted her at work at XXXX Monday XXXX. And again we requested the paper invoice be mailed so we can resolve any issues. But they still threatened to send it to collections.
We contacted the dealer finance manager about it, and he said they would take care of it, we just needed a invoice to show them.
Without a valid paper copy, we can only assume this is just another scam of sorts, or other type of poor customer relations.
|
| 05/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX has entered vaguely described erroneous charges on my lease upon termination after I have turned in the vehicle at the end of the lease period. They have violated the lease contract in three distinct ways. I have both called and written to them pointing out the error, disputed these charges, and asked for a clarification of the charges. They failed to note that the account was disputed and have reported my account as delinquent without giving any response to my inquiry.
They have sent demand letters from different locations, each time with different contact information. They have threatened to turn the account over for collection without ever contacting me to discuss the charges or explain exactly why they are charging me.
The car was leased in my wife 's name, but since we turned in the car she has passed away. She did sign our dispute letter that was sent to the company soon after these charges were billed, and before her death. The company has made no attempt to resolve or even discuss our dispute.
|
| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On this date, XX/XX/2023, I tendered payment in full on the loan extended via a my credit, by HYUNDAI CAPITAL AMERICA d/b/a/ XXXX XXXX XXXX through my credit and the account was zeroed out. I patiently awaited the title to come in the mail and I did not receive it nor was my credit report updated with the XXXX balance. However, I have record that the account was XXXX out as well copies of the tendered payment and I also filed a 1099a after I received no correspondence regarding the debt validation I requested from this company back in XXXX. I also filed for Arbitration after sending the company Notice three times prior to filing for an arbitration and company refused to respond or grant the request for Arbitration which is breach of contract and a violation of my rights as a federally protected consumer.
XXXX XXXX reported negatively on my credit report which resulted in injury as this discouraged me from applying for a house as my credit score rapidly declined due to their negligence and continued violations.
|
| 01/22/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
My lease with XXXX XXXX terminated in XX/XX/2017. I turned the vehicle in on XX/XX/2017. The remaining 2 payments were made. There was to be a termination fee charged if I did not lease another Hyundai within 30 days. We moved to XXXX XXXX on XX/XX/2017 and my intention was to lease a Hyundai immediately. As you may be aware, hurricane Maria struck XXXX XXXX on XX/XX/2017. It was physically IMPOSSIBLE for me to lease another vehicle within 30 days. Dealerships were closed, power was out for months, etc., etc.. XXXX XXXX was notified of the situation and they just did not care. They insisted I pay the fee. I refused based on the circumstances. I filed a formal complaint with XXXX XXXX ( # XXXX ). Hyundai basically said the hurricane was not their fault and they would never waive the fee. My credit score went from being in the 830-850 range all of my life to the low 700 's. I feel at best they should have shown some compassion and waived the fee and at worst they should not have attempted to ruin my perfect credit.
|
| 12/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I had a loan through Kia Finance America for a XXXX XXXX XXXX : XXXX ; Account : XXXX The car was involved in an accident and totaled on XX/XX/XXXX. My insurance company paid {$45000.00} on XX/XX/XXXX leaving a balance of {$15000.00}. At this time, I continued to make payments and when my XXXX insurance made a payment of {$16000.00} on XX/XX/XXXX, my balance had been down to {$14000.00}. This left a surplus and an overpayment of {$1900.00}.
I have contacted Kia American over and over, via phone to the customer service department, asking for a refund at which they assured me that they would make a request for the refund. I have not received the refund and it is now the end of the year. I called Kia of XXXX dealership, where I purchased the car, and they advised me to sue Kia America. Before I do this, I am asking if you can step in and assist me in getting this refund before pursuing legal action.
Thank you very much in your help in this matter.
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
|
| 08/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
At the end of XX/XX/XXXX I got a loan from XXXX XXXX XXXX XXXX to buy out my lease of a XXXX XXXX XXXX XXXX. The loan agent at XXXX XXXX wrote the loan for the wrong amount- it was short about {$300.00}. XXXX claimed that they sent the loan check back to XXXX XXXX multiple times but XXXX XXXX never received it. So in XXXX of XXXX, I made an additional payment for {$300.00} and XXXX XXXX asked XXXX to cancel the check and reapply the funds to the account. They agreed and said that it would be taken care of and the title would be sent to XXXX XXXX. As of today, XX/XX/XXXX, the title still has not been sent to XXXX XXXX despite the fact that they have had all of the money and information for six months. I have been calling bi-weekly since XX/XX/XXXX and have talked to hundreds of people there, but still have not had any resolutions. They continue to tell me that the special agent is the highest person I can speak with and they can only email the next person, as payment and processing " does not take phone calls ''.
|
| 12/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I have a lease with Hyundai. I lived until XX/XX/2020 in XXXX CA with a tax rate of 9.5 %. Once I signed a new lease in XXXX XXXX, when I went to make my payment in XXXX I changed the address to the XXXX XXXX Address with a tax rate of 10.25 %. I paid my bill as usual, with the current amount of {$440.00} and found they were trying to collect in error {$3.00} for taxes in XXXX XXXX. I called and told them I did not surrender my XXXX XXXX till XX/XX/XXXX, moved in XX/XX/XXXX to the new residence and would not pay. They told me since I changed my address ( they did not give you an effective date by the way ) they were charging me as if I lived there even though my lease didn't seven being for me to take possession till XXXX. I let them know I would never pay it since it was not due, they refuse to adjust their records to reflect the correct information. I refuse to pay this additional tax just because I was proactive in changing my address which I did with several vendors and no one has tried to collect undue tax.
|
| 01/09/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : HYUNDAI CAPITAL AMERIC XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts.
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history.
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
|
| 02/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I leased a new car Kia XXXX XXXX, for 3 years. The lease ended on XXXX XXXX. I decided to purchase the car and got Financed with a XXXX XXXX XXXX XXXX.
The leased contract specified in writing if I decide to buy the car at the end of the lease, the residual value is {$15000.00} They give me a purchase order with a new price value of {$16000.00}, and after I complaint in person at one of their local dealers here in XXXX, Florida, they said this is final, if i want to keep the car. ( besides all the other ridiculous charges they did as extra ) I had to proceed with the lease buy out without any option because of the due date of the lease.
I want you to please make this company to refund me the extra amount they charged me for the car itself, without legally respecting their own lease contract agreement.
The difference amount to be refund is {$780.00} The company is : Kia Finance XXXX XXXX XXXX XXXX, TX XXXX.
Account # XXXX The buyers order provided by XXXX Kia, located at XXXX XXXX XXXX XXXX in XXXX Fl. XXXX
|
| 11/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
- Paid off loan in XXXX or XXXX of this year ; Hyundai Motor Finance immediately cashed the check.
- Called and asked for the title to be sent to me in late XXXX, never received title - Called in late XXXX to ask for title and was told the title had been lost in the mail - Received lien release letter dated XX/XX/XXXX and was told to take the lien letter to the local DMV - Tried taking to my local DMV but the DMV requires the actual title - Called on XX/XX/XXXX and spoke to XXXX ; was told that my title was returned to HMF on XX/XX/XXXX ( which means that the title was not lost in the mail - that was a lie ). XXXX said it would take 5-7 business days to mail- Called on XX/XX/XXXX and spoke to XXXX, who said said they had not sent the title or even opened the email asking for it and was not willing to transfer me to someone who has access to the title - Emailed XXXX requesting urgent and immediate assistance - Called XXXX XXXX XXXX XXXX XXXX XXXX who signed the lien letter, asking for help and left a voicemail
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
In XX/XX/XXXX XXXX my husband and I moved to XXXX from XXXX I registered my XXXX XXXX ( leased from Kia Finance America ( KFA ) ) and paid all taxes and fees including the {$250.00} Highway Use Tax.
In XX/XX/ KFA began charging me {$28.00} per month to reimburse them for XXXX Sales Tax. I have called multiple times and written numerous letters explaining that XXXX Sales Tax is called a Highway Use Tax ( HUT ) and is limited to {$250.00} for vehicles being relocated to XXXX from another state ( see attached document from the XXXX DMV website ). This has been verified through conversations and emails with XXXX DMV ( attached ).
To date they have insisted that I owe them the tax but XXXX DOT has no evidence of any tax being paid to them on my car nor do they show any tax owed. In fact, they have confirmed that no taxes are owed until I renew the registration next month.
I feel like Kia is collecting this 'tax ' to keep for their own profit and assume since they call it a tax people will not question it.
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Hi, After Hyundai Capital Finance requested a payoff for my car that was totaled in an accident, they received a check from my insurance company for the amount they requested. After everything was settled they sent me a bill for {$990.00} stating I owe these funds.
When asking for a breakdown they claimed that it was due because of XXXX monthly payment that is due and my deductible from the accident. I have showed them that I was always paid up XXXX month up front and that my deductible is XXXX dollars which XXXX waived since the accident was not my fault. I have this in writing. When I called in to HCF they continued to give me different reasons for this and in the end reported me to the credits bureau and dropped my rating from almost perfect down XXXX point.
I have requested a clear breakdown of why I owe so much money which they failed to do. Furthermore, they collected over $ XXXX from insurance company were my payoff was only $ XXXX. They created phantom charges and now have damaged my credit score.
|
| 04/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hello, I am in the middle of purchasing a new home. For some reason, my mortgage lender wanted me to pay off my lease. Last Tuesday, XX/XX/XXXX, I submitted a payment in the amount of the final two months owed through the Hyundai Motor Finance website. I called their phone number at XXXX because I was told the account was not showing as closed. I was told by the representative that they saw the amount was received and my account showed a XXXX balance. They said to look again the next day ( Friday XXXX ) and my credit report would be updated. Between Friday and today ( XXXX ), my credit report showed the account as still open. Two calls to Hyundai and they claim they held the XXXX payment in reserve instead of paying the account. Attempts to get even an unofficial closing letter were denied and now I may not be able to get my mortgage on time because Hyundai lied to me last week. I will never used Hyundai again. They are dishonest, do not care about their customers and are unwilling to correct their mistakes.
|
| 02/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
Hello, My name is XXXX XXXX and I need some help, please.
On XX/XX/XXXX my GAP rebate from XXXX was added as a {$660.00} payment to my Hyundai Finance Account for a XXXX Hyundai XXXX XXXX. It was not deducted from loan balance. Beginning in late XXXX, more than several calls were made to Hyundai customer service. Each time I was told it was taken care of and depending on who was answering the call, I was told to wait from 3 to 7 business days for the payment to be applied to the principal.
Tonight XX/XX/XXXX, just about two months expo facto, I was told they did not credit my account because I was delinquent. Indeed, my payment history shows I have paid extra on more than several occasions and have never been delinquent.
In the short time I've had this car there have been 2 recalls and one very expensive breakdown on the other side of the State with only cost of repairs being covered under warranty. The Hyundai dealer wouldn't even get me a car to drive to the other side of State so I could go to work.
|
| 08/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2020 my vehicle loan with KIA MOTORS FINANCE was paid off in full, after the loan was paid off. KIA MOTORS FINANCE decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX XXXX and XXXX the Charge off.
On XX/XX/2020 I contacted KIA MOTORS FINANCE of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off.
On XX/XX/2020 KIA MOTORS FINANCE again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020.
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020.
The damage the was done I applied for a loan and was denied because of KIA MOTORS FINANCE misrepresentation reported to the bureaus.
|
| 11/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
This ( Hyundai Finance co. acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from HYUNDAI and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full.
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on?
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this?
I am requesting restoring my credit standing by removing incorrect, false and harassing information by HYUNDAI finance co.
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history.
Request speedy resolution and corrections.
|
| 04/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I had a lease with Hyundai Capital America. I turned in the car without any issue/ late payments etc. I dropped the car off and that was the end. Hyundai said they sent one letter that had a final payment of {$450.00} excise tax and {$250.00} drop off fee but I never received this and they never attempted to contact me. When I started my credit report is where I noticed it said {$700.00} WRITE OFF / CHARGE off so I called to inquire about this and why they didnt tell me. I paid off the {$700.00} immediately and I submitted to the credit bureaus the dispute with the paperwork showing this is paid. I called HYUNDAI several times to adjust the negative comment on my credit report and they say they listed it as PAID but they can not remove the WRITE Off/ CHARGE off amount that is still negatively affecting my credit score as I want to purchase a home. I have called Hyundai and Written them along with disputing thru the credit bureas but this is still showing up negatively on my credit report and its not fair.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Kia Finance is showing me as being delinquent. It is showing as its being closed however, its still showing as I had months of unpaid. I understand that there was a investigation going through with us with the credit bureau and Hyundai however it was done 60 days after XX/XX/XXXX of XXXX. As my credit was ran, Kia finance is still showing up on my credit and its saying that it will not fall off until XXXX however, with that being said, my credit is being affected because of this. It is still showing as is I miss months of payments even though my account was paid off on XX/XX/XXXX of XXXX. I contacted Kia finance not so long ago and advised them of my situation, however they stated that a memo or a letter would come to my house for me to send to the credit bureaus but, I never received such letter in order for me to send to the credit bureaus. Because of this, my credit is being affected, and I am not able to have my credit run or used to buy a house. Please Advise and thank you for helping me with matter
|
| 04/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I paid my loan in full and with Hyundai posted the payoff on XX/XX/2021. I discovered that a second full payoff disbursement was initiated from my bank account in error. I contacted Hyundai customer service on XX/XX/2021 to notify them I sent payoff funds twice - XXXX twice. They refused to reject the second pending transaction stating they were unable to do so. Rather than reject or return the duplicate payoff funds, Hyundai posted the second XXXX to the account on XXXX when it was showing a XXXX balance due. I have made multiple phone calls to Hyundai customer service to get the funds returned immediately. They have refused each time to escalate a check back to me and are saying I have to wait 45 days for the money. I am XXXX years old and need this money back in my account immediately to pay bills. Hyundai should have immediately returned the funds because there was no outstanding balance. Further, I communicated this to them right away. I am requesting Hyundai immediately return the {$9500.00} to me.
|
| 06/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from my local dealership and financed it through Hyundai Motor Finance. I paid off the car in XX/XX/XXXX. I have still not received my title or lien release, both of which I need to finish titling the car in my state. I have contacted Hyundai Motor Finance ( HMF ), Hyundai, and the dealership multiple times. All parties have directed me to HMF for resolution. The HMF website claims that they have already sent the title documents to me. When I call the customer service number, I get an automated message saying that they have already sent the title documents to me ; and I can not get it to connect me to a person for assistance.
I just want my lien release and title so I can finish titling my car. If there was a mistake or issue with the process, I want to be able to contact HMF in order to get the issue resolved. It's not that hard. Please make them send me my lien release and title and/or get in touch with me to let me know what they still need from me.
|
| 06/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American, Servicemember |
|
The lease on a XXXX XXXX XXXX ended on XX/XX/XXXX. Due to the Covid19 pandemic the dealers were closed, and i was unable to return the car on time. I did pay for an additional month. I finally reached a person at XXXX XXXX, and returned the car on XX/XX/XXXX. The dealership was still closed at the time. Due to covid 19 my wife and i were not about to go looking for another car. We did not even go to the supermarket. We had food delivered from XXXX. We did not visit friends. For a year we pretty much went nowhere. We both have health issues. A year later i get a notice from XX/XX/XXXX that i owe {$460.00} because i did not lease another car within 60 days of lease end. If i had leased another car i would not owe the money. This seems like extortion or coercion. Since my wife and i were both fully vaccinated, and the virus has eased, we did lease a XXXX XXXX on XX/XX/XXXX. XX/XX/XXXXXX/XX/XXXXstill wants the {$460.00} because it was more than 60 days from the prior lease end. Can you please help. Thanks.
|
| 07/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2020, I filed a complaint against Kia Motor Finance ( KMF ) also doing business as a part of Hyundai Capital America. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need KMF to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' KMF did NOT correct the erroneous information reported to the credit bureau ( s ) which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on KMF to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX account and received notice of the error.
Please help, again.
Thank you!
|
| 08/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I co-signed for a car for my mom and in XXXX my mom totaled the car and was behind on payments but the insurance company paid the car off but the late payments is what I was told by Kia. But then Kia allowed her to take out another loan on another car and want to hold me liable for a car that was totaled and demolished. What Im not understanding is why let her get another car in her own name and hold me liable for both cars when I never signed the agreement for the second one. I want this car removed and deleted for the error of trying to hold me liable for a car that was totaled and suppose to have had the gap insurance on it and we put a large down payment for the first one. Plus the first car was totaled in XXXX and I should no longer be held liable for that car since they did let her get another. But my question is if the first car was totaled in XXXX how was it then towed away in XXXX and that because she had another car and this is not the same car from the first original contract that I signed.
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan.
2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent.
I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report.
I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries.
I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails
|
| 04/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
An account with KIA MOTORS FINANCIAL is showing on my credit report for an account I had with XXXX. I sent letters certified mail to both of these dealerships. XXXX responded and sent me the check proof they sent to KIA MOTORS FINANCIAL that was CASHED by them on MY BEHALF for MY ACCOUNT. ACCOUNT NUMBER XXXX which you can see on the check and on my credit report which is attached. KIA MOTORS has been very negligent and has failed to respond or remove this inaccurate account from my credit report. They sent this account to collections hurting my consumer profile which hurt my ability to get credit elsewhere for THEIR NEGLIGENCE. I requested the account record of all transactions and proof that this company did not receive the check and have no received anything for the past year. They are committing fraud by reporting this information. Please investigate this and remove it from my credit report immediately I have attached all the proof. My credit report, the CASHED check along with my identifications.
|
| 02/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My husband and I purchased a XXXX XXXX on XX/XX/2019 and got financing via the dealership. I noticed in XX/XX/2019 that the extra money we were sending to principal was actually being applied to the next months bill. I emailed the company and told them to correct this and to apply any extra money that I send in the future to principal. They corrected it and informed us that we would need to send 2 separate payments each month in order for this to happen. So for the XXXX and XXXX payment we did but yet they still applied it towards the next months payment. I then emailed them again and they said to call them as they would not correct it. I then proceeded to call them and was told there was no way I could pay towards the principal other than to call every single month, once the payment was posted. This would take 2-3 business days to apply for them to apply it correctly which then causes more interest to accumulate. When looking over my loan documents it says absolutely nothing about this. Please help.
|
| 07/24/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I got a letter from XXXX XXXX telling me that I owe a balance with Kia Motors. I was very confused because this car was totaled out due to an accident and the loan had gap insurance.
I reached out to XXXX XXXX, to see if they could prove me information on the account but they couldn't. All I was told by XXXX XXXX that he wanted XXXX a month for the payment plan and if I didn't agree to that then they were going to garnish my account on Thursday of this week. I can't afford that, I'm on social security and XXXX. XXXX XXXX was cruel and very mean. I hung upon him. I called my daughter and asked her to find out what was going on with this debt. She tried to contact them and got XXXX XXXX and he told her that she had to pay XXXX per month for the payment plan or they were going to just start garnishing her too.
I just got the notification, how did I get sue on this account. The abuse I'm getting from this collector is ridiculous, over a XXXX debt, that I was told by the insurance company was paid off.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
All the details. I see duplicated reports from the company side since they made a mistake in my contract ( Hyundai Motor Finance and XXXX XXXX XXXX ).
I bought ( XX/XX/XXXX ) this car from a local dealer ( XXXX XXXX ), and they credit my check and it was all good.
After 3 weeks they called because it was " an error '' in my financial contract, from their side, and they asked me to re-sign all that again, and that's fine.
After 3 days, I had 2 extra new hard inquiries in my credit that I didn't authorize at all, and since I have had the car, approved, for more than 1 month. They never told they would recheck the credit. I never Authorized.
I opened a dispute with XXXX, 3 times, and the answer was nothing we can do, the entry stays in your credit.
I called Hyundai Motor Finance and Hyundai Finance America many times, they told its not my problem and, dispute if you needed to.
I am stuck, with 2 extra entries in my credit that I didn't authorize, and its duplicated. I don't want that there.
|
| 06/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
On several occasions I tried to explain that I sold this car ( XXXX ) to the dealer and purchased another one from them the XXXX. In additioni paid the dealer almost {$5000.00} which included all fees, taxes etc., etc. Now 6 months later the leasing company XXXX XXXX XXXX decided that I owe them {$460.00}. I don't owe them anything. If there was an underpayment, it is the Dealer who owes the money, not me.
Now, they are playing games with the credit bureaus, reporting me as delinquesnt. As a result my FICO score has dropped 50 points which means my credit worthiness is below the good line.
Terrible business whereby a large giant foreign company can manipulate my credit score. I am almost XXXX years old, pride myself as being a good citizen and honest person and one whopays his bills on time. All my accounts are up to date except Hyundai.
They are completely unreasonable, knowing they are hurting my credit they refuse to remove this from my account. Well, I will not pay for something I don't owe.
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I purchased a car in 2021 from Hyundai and too find out later I was basically scam by the dealership and was paying interest only on the car while my credit was XXXX and the con me and was also reporting to the credit bureau false information. Found out later on the news all the cars that were bought during that time was reported false information on people credit and also gave bad loans. So the car I bought was XXXX when it was supposed to be XXXX. On top of that due to the stress I had all the banks deny me from their in house lending to the point solicitors kept calling my phone and I ended up with another auto lending named auto approved and they basically find bank who can finance and take over the loan with a lower interest and rate and they screwed me over and bought the car but raised my payments from XXXX to XXXX and it kept switching and onto of that lied to me about refinancing saying I had to wait a year when it was not true and because of that Im in default and can recover financially.
|
| 07/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
The leased car was returned on XX/XX/XXXX. The monthly lease payment of {$320.00} for that XXXX was paid on XX/XX/XXXX. Kia Motors Finance sent me a letter dated XX/XX/XXXX itemizing XXXX charges that totaled {$850.00} that XXXX said i owe them. Those charges were grossly inaccurate.
Three of the charges were proven incorrect and XXXX eliminated them. The lease disposition fee of {$400.00} was agreed to. However, the final payment for the month of XXXX remains in dispute.
XXXX is saying i did not make this payment. So, they want to add {$130.00} for the 11 days in XXXX that i had the car to the {$400.00} disposition fee and say i still owe them {$530.00} XXXX rounding error ). That is NOT TRUE and i sent XXXX a pdf schedule downloaded from my bank XXXX XXXX XXXXXXXX XXXX XXXX that proves i made the payment.
Since i made that payment, XXXX in fact owes me a credit of {$190.00} XXXX XXXX - XXXX ) for XX/XX/XXXX.
Therefor, the final lease end payment should be net {$200.00} XXXX XXXX - XXXX )
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
***California Lease***** Kia Finance is charging customers XXXX tax rate on XXXX payments. The auto pay is adjusted to take the correct new tax payment, but since the bill is not adjusted customers show that they owe a small amount due. usually less than a dollar. Kia is telling customers to pay the balance due which is a huge burdon to cancel auto pay, pay the amount and re set it back up.
When the fact is that Car leases are paid front end, not in the rears. So XXXX 's payment should be for the new tax rate. That payment would be for XXXX to XXXX. Since the bill from Kia came in XXXX for XXXX payment they are charging for the old tax rate in XXXX, By doing this all consumers are paying the higher tax rate in XXXX WHEN THEY SHOULDNT BE! Kia recognizes this but thier solution is for the consumer just to pay the extra money and then starting XXXX they can make the lower payments. This is incorrect!. even their auto pay system adjusted to the correct rate in XXXX but the bill due did not adjust.
|
| 04/09/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I received a notice from XXXX XXXX in XXXX, New Jersey stating I could turn in my lease early and owe nothing on the old lease. I went in and made it clear I would not do it unless I would not owe anything. They assured me - both the salesman and the finance manage that it would be an even swap. My lease shows that it is. I have the form I was sent in the mail.
About two months later I received a bill from XXXX XXXX XXXX that I owed {$2000.00}. I explained the situation and they said, " We have nothing to do with Hyundai. '' They turned it over to XXXX XXXX, XXXX in XXXX, New Jersey and they are telling me they will take me to court. This started in XX/XX/XXXX. I wrote them a complete explanation and heard nothing until this month ( XX/XX/XXXX ) when they threatened to take me to court.
I feel this was a " bait and switch '' by XXXX XXXX and XXXX XXXX XXXX. It was XXXX XXXX XXXX who held the first lease and it was they who the finance administrator called to get my pay off while I was there!
|
| 04/11/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I returned my vehicle to Hyundai Finance and was told by the dealership that since I had Wheel and Tire insurance that I paid for monthly I would not incur any damage or wear charges. After turning it in, I have received a {$600.00} bill from Hyundai for rims, tires, and " bumper damage ''. They said they took pictures and placed them online and the damage was severe. At the dealership we walked around the car and the dealer said he saw nothing that would involve them charging me after the case for wear and tire in excess of normal. He said the rims and tires were worn and would be an issue if we did not have insurance, but since we did we were good to go with turning it in. Had I known that the insurance would not cover this when turned in we would have had it replaced first while covered, then turned the vehicle in. They are squeezing money out of us when we were paying for the coverage. We were told something by a representative of their company that apparently contradicts what they now say.
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am resubmitting this complaint to KIA FINANCE AMERICA regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that this fraudulent account persist on my credit report. I had hoped to rely on KIA FINANCE AMERICA to safeguard my information and to report accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning on this account.
To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons this account should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that KIA FINANCE AMERICA will take the necessary steps to address and rectify these inaccuracies promptly.
|
| 06/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Car was totaled on XX/XX/2021. Since that time my insurance company ( XXXX XXXX ) has made repeated and unsuccessful attempts to contact Kia Motors Finance to obtain a letter of guarantee stating they would send XXXX XXXX the title for the vehicle once they issued Kia Motors Finance the check for the vehicle. I have also reached out to Kia Motors Finance on multiple occasions and have been unsuccessful as well. I have received a default notice from Kia Motors Finance and this account is still showing on my credit report. It has been 6 months that XXXX XXXX and myself have been trying to resolve this. XXXX XXXX has the check ready to be sent to pay this account in full but Kia Motors Finance has refused to cooperate resulting in a negative impact on my credit score and my ability to obtain financing. XXXX XXXX clearly informed Kia Motors Financing via repeated emails/phone calls of what was needed to issue payment and resolve this account in full, Kia Motors Finance will not respond or comply.
|
| 07/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a XXXX XXXX XXXXXXXX ( VIN # XXXX ) in XX/XX/XXXX. I never received the title. I spoke to Kia after the odometer paperwork was filled out and they said they sent it. Yet, I never received it. I went to the DMV with the Bill of Sale and was informed they needed a title. I contacted Kia again and they sent me a letter stating they no longer had an interest or title of the car. I returned to the DMV and they informed me I still needed the title. I contacted Kia again and they said I needed to request a duplicate title from the DMV. I went to the dealership and they suggested asking Kia for a duplicate title or returning to the DMV. I returned to the DMV and they said the title is still in Kia 's name so Kia needs to provide the title. I am now one year in after paying nearly 21K for a car and Kia has yet to provide me a title.
A complaint was filed with the CFB to which the company responded that they would request a duplicate title and send it to me.
That has still not happened.
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Ive called the company multiple times no resolution. Stated will call back they never do. Reach out to all credit bureaus and they tell me to dispute, which I have numerous times and no change. The charge off account has been continuously reported since being charged off XX/XX/XXXX. It Also is showing inconsistent balances across the bureaus! XXXX has the account to be opened XX/XX/XXXX, collection/charge off high credit of XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be Paid and opened as of XX/XX/XXXX high credit XXXX payment status unknown last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be derogatory and opened as of XX/XX/XXXX high credit XXXX, collection/charge off last reported XX/XX/XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. The account has been settled for less than original amount but a balance still reflects the file. This account has caused me XXXX of dollars, a job and the ability to purchase bc of adverse history.
|
| 11/13/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Received collection notice from Hyundai Motor Finance dated XXXX XX/XX/2020 and received today indicating my payment iao XXXX is past due. Late payments may result in late fees and may damage your credit. It is very important that you prevent further collection efforts on this account. My payment is due on the XXXX of each month and was made on XXXX XX/XX/2020 and posted on XXXX XX/XX/2020. I always make my monthly payment within the grace period allowed and have never received a collection notice for late payment. This is a creditor harassment. I reached out to the company and was told " we are not sure why this happened and to just regard the notice ''. This response is unacceptable and I am requesting a formal apology from Hyundai Motor Finance. It is my belief that this has happened because I took XXXX XXXX XXXX to arbitration and won and they now have to replace my current vehicle with a new vehicle. I've leased 2 Hyundai/XXXX vehicles and have never ever received a collection notice.
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
My XXXX XXXX XXXX, XXXX XXXX digits of the viin XXXX was totaled last year XX/XX/XXXX. The insurance paid its part about $ XXXXand GAP insurance took a while to pay theirs which was the balance of about {$5100.00}, and Hyundai reported it as a missed payments XXXX times. GAP insurance has made a payment of about {$3200.00} since XX/XX/XXXX leaving a balance of about {$1800.00} which is a refund for extended warranty.
Hyundai has since refused to update my current account and it is still reflecting missed payments and the old balance of about {$5100.00} instead of new balance of about {$1800.00}. Nobody is willing to help me remove the late payment from my account. This is affecting my efforts to get pre-qualified for a mortgage loan. None of this is a direct fault from me and I don't think I should be seen as missing a payment when HYUNDAI told me to stop all payments the moment my car was totaled. That was a XXXX way call between me, my insurance agent and Hyundai finance representative.
|
| 03/10/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I recently completed the payoff of my leased vehicle with Hyundai Motor Finance XXXX. The company cashed our check on XX/XX/2022 ( within 1 day of sending the check ) but has yet to release the title or start the internal process of releasing the title. We have called every single week ( most recently on XX/XX/2022 ) to get the title released and so far they have yet to release it and in fact have relayed the exact same message that they would need to send an email to the title department to get the process started. We've been given several excuses by the customer support reps and their supervisors but have not been given an opportunity to contact the title department directly and have been told that they have to email the title department themselves which takes a minimum of 5 days to process. They have told us this in each call and have repeatedly claimed they are sending the email.
It has now been 50 days and we are no closer to receiving our title as we were when the check was cashed.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there appears to be a late payment for XXXX 2017 reported by Kia Motor Finance. My payment due date at that time was the XXXX of the month. My XX/XX/2017 payment ( due on the XXXX ) was actually paid on XX/XX/2017. I have tried disputing this with XXXX however, they do not investigate and only submit an electronic request to Kia. Kia then responds that the information is accurate so they refuse to do any further investigation.I have spoken directly with them and they refuse to obtain any records fromn Kia and inform me that I need a letter from Kia in order to have the inaccuracy fixed.
I feel that these agencies are not willing to aid the consumer, but in essence allow businesses to continuously report inaccurate information which negatively impact the consumer.
I have attached records of my payment due date and payment history for your review.
|
| 01/19/2024 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I hope this letter finds you well. I am writing to address a matter of concern regarding late payments and non-compliance with the agreed-upon terms outlined in our previous discussions.
As you may be aware, there have been instances of late payments on the account associated with XXXX ..... Despite our mutual understanding and commitment to maintaining a timely payment schedule, it has come to my attention that there have been delays in meeting the specified deadlines.
KIA FINANCE AMERICA XXXX ....
In light of the above, I kindly request the removal of the late payment entries from our records. Clear communication and adherence to the agreed-upon terms are vital for the success of our partnership. I believe that resolving this matter promptly will contribute to the continued success of our business relationship.
I value our business relationship and look forward to your prompt attention to this matter. Please feel free to contact me. Thank you for your understanding and cooperation.
|
| 12/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
The Insurance company determined the vehicle was a total loss due to a drunk driver causing the accident. XXXX valued the vehicle at XXXX with was XXXX less than it was brand new a year and a half ago. All payments were made on time and all maintenance was done. The leasing company decided that it was their appreciation gained in the car therefore they are entitled to 100 % of the insurance payout. Throughout the lease we would get the month to month payout and we would know the end of lease buyout so we figured the the equity in the vehicle that we paid already over the year and a half we were due at least half of that. We assumed all the risk, payments and maintenance of the vehicle but due to circumstances beyond our control ( an at fault drunk driver hitting us ) we lose 100 % of the equity and XXXX downpayment and now left with nothing because the lease company decided, denying us any ability to appeal that they are the lease holder and are entitled to 100 % of the value of the car.
|
| 04/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I refinanced the auto in question in XXXX of XXXX ... My new lender paid the note in full which clearly shows in my statement from original lender ... The day after buy out was complete they received an additional payment from me which they processed ... The original finance company continues to show my account open with them ... I was made aware of this when I was denied financing on the purchase of a new vehicle in XX/XX/XXXX because my credit report showed two outstanding car loans ... I have I have called the finance company monthly since this time to resolve the issue ... Each time I was told " We see here that the information you've given us is correct We will submit a request to have the account closed ... check back with us in 3-5 business days to confirm. '' I call back to confirm and SURPRISE I'm given the same information again SAME response ... SAME RESULT ... Issue has yet to be resolved ... MY ONLY CERTAINTY I WILL NEVER FINANCE A VEHICLE THROUGH KIA MOTOR FINANCE AGAIN ...
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello- I am troubled by the behavior of Kia motor finance. Three years ago I leased a car from them. We moved addresses twice from purchase until now. In XXXX, Kia marked my credit record with five consecutive late payments, and three more this year. I paid all payments on time. Kia never mailed or emailed me any information letting me know payments were late. I called several times to ask them to remove the erroneous info but they refused to do so. They have acted predatorily. According to them, a tax on the car ( not sure why I am responsible for paying it if its a lease and I dont own it ) was paid by Kia because XXXX assessed a tax on it ( which I did not see/ get due to my address changing ). This then caused one payment to be late from my auto debit. Somehow they have marked every subsequent payment late even though it was on time. My credit score has been horrendously damaged going from XXXX down to XXXX. Please make Kia tell the truth and fix this issue with the credit bureaus.
|
| 11/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The lease was paid off in XXXX, with proper documentation. XX/XX/XXXX XXXX cashed two checks for the amount of {$16000.00}. These two checks were stapled to a mileage odometer form as well as other lease ending forms. I have been fighting with XXXX since XXXX to get my title. It is now 5 months later and they still refuse to send me my title and officially close out my loan! I didnt even receive a final statement from them despite my account balance showing as {$0.00}. This is beyond frustrating as my lease is officially over in less than 30 days and this should have been taken care of MONTHS ago. Instead Hyundai has given me the run around. I even resent the odometer form at the beginning of XXXX after many phone calls. And they still claim they need it or they will not release the title. This has been the most frustrating process and at least 5 phone calls have been made. I made two today only to be told by the automated system that they could not take my call and then hung up on me.
|
| 08/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My automobile finance company, XXXX XXXX XXXX reported all of a sudden that I was 30 days delinquent in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reviewed my transaction payment history in according to their online payment history of my account and I have not been thirty days late on either of the months. i disputed with them through the credit bureau and by writing a letter to them and they said the information was correct. i also contacted them by phone and they could not verify after checking that I was late. This time i suggested maybe they was reporting someone else and in error put a number wrong and went on my credit report instead. I have attached their online payment history from their site and the letter I just wrote again asking them to review my account again. I think this information just got put on my credit report this year I look at my credit report through XXXX XXXX almost weekly and I did not recall seeing any delinquencies from Hyundai..
|
| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
good morning, I have already filed a complaint with Hyundai motor finance back in XXXX ... with the matter of a lease i paid off, to buy another new car ....
this is XXXX, and XXXX credit bureau is still reporting this paid lease on my credit report and has been for some years now... i have reached out to XXXX to try and clear up several times online with disputes on this closed and paid account!!!!
The complaint i have is, ,everytime a complaint is filed they keep lowering my credit score, now this has been going on for years now ....
They have lowered my credit score over 180 points in the last 5 to 6 years now ... .when is this going to stop or end...
I either paid this lease off or it was charged off back in XXXX..my balance is XXXX either way... it has been several years now since i leased this vehicle in XXXX...
How do i regain my credit score back with XXXX and finally get hyundai motor finance to stop reporting on this account as it keeps reporting on my credit report???
|
| 05/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Follow-up complaint ( See Prior Complaint ID XXXX - filed to stop harassing calls/billing for items that were covered/paid by insurance and Kia dealership " loyalty payment for buying another Kia to cover end of lease fee '' ). I requested as part of the resolution that I receive in writing confirmation of a final statement reflecting both payments from the insurance and Kia dealer and showing the XXXX balance so I have it for my records. Kia only responded to the consumerfinance.gov online complaint indicating that all has been resolved. I have patiently waited for over 4 months for any correspondence to myself confirming the matter is resolved. As of today 's date, I still have not received confirmation in writing, which was requested in the original complaint as part of the resolution that the matter is truly resolved. Having received no correspondence from Kia, I do not consider the matter closed and will continue to issue complaints for assistance until I have proof in my hands.
|
| 01/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
The Insurance company determined the vehicle was a total loss due to a drunk driver causing the accident. XXXX valued the vehicle at XXXX with was XXXX less than it was brand new a year and a half ago. All payments were made on time and all maintenance was done. The leasing company decided that it was their appreciation gained in the car therefore they are entitled to 100 % of the insurance payout. Throughout the lease I would get the month to month payout and I would know the end of lease buyout so I figured the the equity in the vehicle that I paid already over the year and a half I was due at least half of that. I assumed all the risk, payments and maintenance of the vehicle but due to circumstances beyond my control ( an at fault drunk driver hitting me ) I lost 100 % of the equity and XXXX downpayment and was now left with nothing because the lease company decided, denying me any ability to appeal that they are the lease holder and are entitled to 100 % of the value of the car.
|
| 02/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Hyundai continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA.
In review of the attached credit file downloaded today from annualcreditreport.com, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX.
I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.
|
| 06/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have contacted KIA at least seven times since XX/XX/2021 asking for them to send my title for my paid off car loan. I need to register my car in XXXX so that I can legally drive it. They have not sent the title after numerous requests and several hours on the phone with their customer service department. They claim to have mailed it on XX/XX/2021 but were not able to provide any sort of tracking number for the mailing. I have provided my XXXX account number and asked for them to send the title, to no avail. I need to have my car registered so that I can legally drive it. My car is used as transportation for my XXXX treatments. I am unable to take public transportation and have no other access to transportation. This has caused undue hardship and stress. I don't think that I am asking for something unreasonable. I have been treated horribly by Kia customer service over something that should be a quick and routine process. Please provide assistance if possible. Thank you in advance.
|
| 12/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account.
XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward.
I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.
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| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
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My car loan is due for the XXXX payment in the amount of {$380.00} due on XX/XX/XXXX. I made an electronic payment of {$390.00} ( via XXXX web bill pay ) to Kia Finance America on XX/XX/XXXXXXXX from my XXXX checking account ( my bank shows this payment posted for {$390.00} to XXXX XXXX XXXX on XX/XX/XXXXXXXX ). Yet, Kia still has not posted this payment and is showing that I am 11 days past due. I have filed a complaint with Kia on XX/XX/XXXXXXXX under confirmation # XXXX. I also filed a complaint with XXXX. I am very concerned because Kia shows I am due for XX/XX/XXXXXXXX and XX/XX/XXXXXXXX payments now. I am very concerned about Kia showing I am past due, having late fees improperly assessed, negative impacts reported against my credit and the proper handling of future payments to this company! Please help me to get my payment posted to my account. I have contacted Kia 4x about this with no resolution yet. I attached proof of my posted payment and what I received from XXXX.
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| 09/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
I leased XXXX XXXX XXXX from KIA. THE LEASE was a 3-year lease. Date of the lease was XXXX OF XXXX. I made All of my payments on time. At the end of the lease, I was considering turning in the lease in XX/XX/XXXX. I spoke with KIA MOTOR FINANCE and they told me that I could keep the vehicle until XXXX of XXXX. I elected to turn in the vehicle in XXXX of XXXX. I received a letter from KIA MOTOR FINANCE THAT I OWED {$1600.00}. WE converse about the amount and could not reach an agreement. I contacted my attorney and we wrote a detailed letter about the money they claim owed. NO RESPOND IN WRITING FROM KIA ABOUT ANY MONEY OWED. I checked my XXXX credit report and found inaccurate and derogatory marks on my credit report. I sent XXXX a letter concerning my credit report. XXXX sent me a copy my credit report showing I was late in XX/XX/XXXX and XX/XX/XXXX. XXXX show the letters CO. THOSE LETTERS MEAN CHARGE OFF. FROM XX/XX/XXXX TO XX/XX/XXXX SHOWS THESE LETTERS ON MY XXXX CREDIT REPORT.
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| 12/16/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
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I applied for my SCRA Benefits for XXXX XXXX XXXX. The Company informed me via phone, that my APR rate would be lowered from at 4.77 % to a 3 % due to the SCRA benefits. However, that never happened. I have been reaching out to this company for over an year now, still no valid response. The only thing I am being told is that the system is down, so they can not apply the SCRA benefits to my account. I paid the car off last XX/XX/2020, and initiated my SCRA benefits with XXXX XX/XX/2020.
I did not receive anything in writing from this Company, I requested numerous of time and never received anything.
I do have emails I sent them with my requiring documents, as well as follow up emails tracking the status of my SCRA benefits.
I was also informed that I couldn't talk directly to their SCRA department, so I was only able to talk to supervisors and they would email the SCRA department directly or provide me with their email, which I have emailed them numerous of time as mentioned.
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| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
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| 08/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I purchased my leased Hyundai and have yet to receive my title after 60 days.
XX/XX/2021 - buyout payment and odometer statement sent via XXXX. The check was cashed on XX/XX/2021.
After several calls with HMF, I was advised to re-send the odometer statement because they did not have a record of receiving it. I faxed it to HMF on XX/XX/2021 and again on XX/XX/2021. Both faxes were successfully transmitted.
XX/XX/2021 - called HMF and they claimed the odometer statement has not been received and I was advised to email a copy to XXXX, which I did the same day.
XX/XX/2021 - the Titles Department advised that they did not handle title release and forwarded my odometer statement to XXXX.
XX/XX/2021 - called HMF, no title release and no movement on the account.
XX/XX/2021 - called HMF, escalated to manager who confirmed odometer statement had been received in XXXX and asked to give them another week.
XX/XX/2021 - called HMF, no title release and no movement on the account.
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| 03/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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|
Web |
Older American, Servicemember |
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I had a loan with Hyundai Motor Finance ( HMF ). The account number was XXXX. I requested a payoff at the beginning of XXXX. I was given a payoff amount of that was {$13.00}?? more than I owed. I paid the payoff amount given and it was posted on XXXX XXXX 2015. Hyundai Motor Finance ( HMF ) indicated that a lien release would be sent within 2 weeks as would any excess payoff. By the XXXX of XXXX I had received neither. I called HMF and within XXXX days I received the lien release but not the excess payment. I again called HMF on the XXXX of XXXX and they said they would refund the excess immediately. I called again on the XXXX and was told that a check was sent on the XXXX of XXXX. As of the close of business today I have not received my refund. Please assist in having my refund issued. In addition I question if this is a typical practice of HMF and are there many, many customers who never received their refunds.
Thank you for any assist you can provide.
XXXX XXXX XXXX, KY XXXX
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| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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I took out a loan from Kia Finance to finance a XXXX XXXX XXXX. In XX/XX/XXXX, the car was damaged and in XXXX XXXX XXXX XXXX said it was a total loss and issues a check to Kia Finance, the lean holder. Kia Finance returned the check to XXXX XXXXXXXX saying it had to be made out to a different name from whats on the lean. XXXX XXXXXXXX re-issued a check. Meanwhile, all this time Kia Finance is reporting I am behind on payments and missing payments and it has affected my ability to refinance my home or purchase a new vehicle because my credit score went down XXXX points. I have called the company three separate times and no one is able to help. They said they have not number for the total loss department when I called and asked for someone. I asked for a supervisor to call me back and no one has called me. I have filed a dispute with XXXX XXXX on XX/XX/XXXX to dispute the actions on the account and the amount of the debt. It should be XXXX and it's affecting my credit really bad.
|
| 11/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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Kia Motor Finance company has withheld payment of a refinancing loan of my 2016 Kia Soul. I refinanced the loan through XXXX and Kia accepted XXXX payments for the car loan in the amounts of {$640.00} and {$20000.00}. For one month, Kia reported only receiving the payment of {$640.00}. I called them numerous times and they reported that the check had been destroyed, that the check had been lost and that they had no history of the check on numerous occasions. When I requested that the check be canceled and reissued by my bank, they found and processed the check. However, they applied it to a previously closed account to delay payment on the loan in question. They still have n't paid the original loan. This is fraudulent. They are not using the funds for the purpose to charge me more interest and fees. In addition, I am due gap insurance refund, which this is delaying. That should have been processed, but without them releasing the lien they will not release those funds as well.
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| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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In XX/XX/XXXX I leased a XXXX XXXX through Kia/Hyundai Financial . All payments throughout the leasing term were made on time. When my lease expired in XX/XX/XXXX, I decided to purchase the car, for the purchase amount of {$16000.00}. I financed the loan through my personal bank, XXXX. XXXX submitted the payoff amount to Kia, in XX/XX/XXXX, and there is record of Kia accepting payment. A couple of months later, Kia placed a derogatory mark on my credit reports, claiming the account as a charge-off. All attempts to fix this with Kia have been unsuccessful. Kia claims they returned the payment back to XXXX, but can not provide any record of the supposed returned payment. It was escalated to several supervisors, who were going to look into it, and get back to me, and I have never received a follow up phone call. In XX/XX/XXXX, the derogatory account was removed from my credit reports. In XX/XX/XXXX, it was put back on by Kia Financial, still claiming the account as a charge off.
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| 10/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
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I am an XXXX year old widow. My late husband, who passed away in XX/XX/XXXX, did most of the business transactions for our household. I owned a XXXX XXXX XXXX, which I did not like. I had previously owned a XXXX XXXX, which I liked very much. So, I went to XXXX XXXX XXXX in XXXX, Florida on XX/XX/XXXX and asked if they could help get me into a XXXX XXXX.
When I left the dealership that day, I had : 1 ) a brand new XXXX XXXX XXXX with a selling price of {$21000.00}.
2 ) a loan in the amount of {$42000.00} from Kia Motors Finance.
3 ) monthly payments of {$640.00}, which is nearly 1/2 of my monthly income ( primarily Social Security ).
I am not a sophisticated business person, and in hindsight, this appears to be a transaction which the car dealer and Kia Motors Finance should have known was doomed to fail. I believe the car dealer and Kia Motors Finance took advantage of my lack of knowledge about automobile finance, and I am now facing repossession of my XXXX XXXX XXXX.
|
| 05/26/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
My leased vehicle was involved in an accident and insurance company stated it was a total loss. The accident occurred within one week of turning in the vehicle at the end of the lease. The insurance company paid the finance company {$20000.00}. for the loss however per the lease agreement the payoff of the vehicle is {$19000.00}. It was explained to me that the finance company would refund the overage of payment however I was only refunded the last months payment, {$310.00}. When I contacted the finance company about the refund of the difference I was told that since they are the owner of the vehicle they get to keep any overage. I exclaimed that since the accident happened at the end of the lease I should have had the option to purchase the vehicle at the agreed price in the contract or the difference should have been refunded to me. Attached is the original lease agreement that should the predetermined purchase price and the insurance documents that shows the payout amount.
|
| 11/02/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
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I obtained a XXXX XXXX in XXXX of 2015 on a lease. Last month they filed a late payment with the credit bureaus. As a result I can not get my mortgage that I was pre-approved for. According to my payment history I have made 19 payments, which is one payment ahead of schedule. I have had to call every other month due to the poor finance department record keeping. I contacted the finance department a few hours ago and asked them to contact the credit bureau to remove the late payment. Their response was that they can not call and have it removed. My KIA MOTOR FINANCE act number is XXXX. I have had countless phone calls in regards to my act. The one month that I was 1 day late, I contacted them to let them know that I would be paying it on that day and they reason why I was late. My husband passed away on XXXX XXXX and I was dealing with his death, the estate and removing his possessions from his apartment. They told me that it would be noted and that there would be no problem.
|
| 07/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My wife and I recently purchased a used XXXX Hyundau XG form my car mechanic. When I received the title form NY state there was a lien from Hundai Motor Finance, XXXX XXXX, XXXX, GA XXXX. I have also contacted XXXX. I do not know of the prior owner or who held the loan. According to NY DMV, I would need to obtain a " lein release '' or 'Letter of no interest ''. I have requested this in writing and via phone to no avail. They keep telling me it has to come from the owner. I have no contact with the owner nor do I know who they are or where to contact them. There should be accountability upon the finance company to supply a lien release to the last known state where the car is titled. There should also be clear instructions on how to obtain " lien release '' provided to a consumer of a purchased used car. I am now sending another letter to this company to get this required documentation because apparently the address listed on the title is incorrect for Hyundai Motor Finance.
|
| 07/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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We financed with XXXX XXXX XXXX XXXX to buy out my current leased vehicle with hyundai capital America doing business as XXXX XXXX XXXX. The vehicle VIN is XXXX. It was paid off on XX/XX/2023 with amount {$29000.00}. We contacted their title department to release my title multiple times since I paid off and they said the title was mailed out on XX/XX/2023 without tracking number and refuse to provide any proof that the title was mailed out. As of today XX/XX/2023, my current lien holder still did not receive the title. Since it is a leased vehicle, there is no lien release letter and only XXXXXXXX XXXX can call IL XXXX to get a duplicate title and update the names on the title. We contact them every 4 business days ( which is their indicated time window to process our request ) for multiple times till now and every time they just gave a different excuse but not actually get the title for us. It caused me a lot of trouble trying to sell this vehicle without a proper title.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2022 I requested for Hyundai Motor Finance to stop sending me Notice of Default letter. For a loan that i never received form them and to remove there name off of my credit report and off of my Certificate of Title.
On XX/XX/2022 Hyundai Motor Finance hired a tow-truck service company to come and steal my car. After I call XXXX police the Police Officer came out and found out that it was order my Finance Company. I informer the officer that I do not have a Finance Company. When the car was allegedly stolen they did a lot of damage.
On XX/XX/2022 I filed a claim with my insurance company for theft of property.
Hyundai Capital has impacted my life by there deceptive and deceiving practicing.
I filed Bankruptcy it was the only thing that i could think to do at the time. The Bankruptcy case has been dismissed.
On XX/XX/2022 Hyundai Capital America ( HCA ) DBA Hyundai Motor Finance filed a proof of Claim for {$29000.00} for money loaned that I never received.
|
| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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I bought a brand new XXXX Kia XXXX, after only XXXX miles the engine went out. The car was covered under the warranty that I purchased or that was provided. At the time of repair I was told by the dealership to get a rental on my own and seek reimbursment for it because if I got one through the dealership it would be over 1 month wait time. I have a signed contract from Kia Motor Finance stating they will reimburse me for the rental within 6 weeks but it's been well over 12 weeks and they just keep saying that they only cut checks on XXXX and that they have a lot of customers waiting for their promised reimbursements. XXXX and the XXXX is full of similar complaints. If this company doesn't have the funds to cover checks that they contractually promised within a certain time frame then they need to be filing or bankruptcy. They promised to pay within a certain time and that time has come and gone. They dodge calls and give XXXX answers when you do get in touch with someone.
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Kia Motor Finance is showing I have a {$10.00} current open balance for my Kia account. However, Kia is not reporting properly on a monthly basis to XXXX. What they are reporting is a zero balance and closed account. T I've submitted disputes to all three credit agencies and thru Consumer Finance Protection Bureau and asked for an open balance letter from Kia showing what is owed. Kia finally sent me the letter.
I've spoken to 4 different Kia Motor Finance supervisors over the phone and no one could help me. I went to the Kia dealership to explain the situation to the account manager. They immediately called Kia Motor Finance- they could not rectify the problem. As of today XX/XX/22 XXXX and XXXX still show that my Kia account is closed. XXXX is finally showing the proper information that says " in good standing ''.
This is severely hurting my credit score and causing a higher apr interest rate for the mortgage that I am supposed to close on next Wednesday, XX/XX/XXXX.
|
| 11/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My car was totaled and the insurance company sent a check to pay off the remainder of the lease. Both myself and the claims adjuster verified the payoff balance and my online payment history reflects that the payment was made on XX/XX/20. Hyundai continues to bill after the payoff including an automatic payment of {$250.00} from my account. I turned off the auto payments and requested the return of my payment and that the account be closed but the request was not processed. It is now XXXX and I received a collection call on a Sunday morning. The company was not able to tell me why I was getting a collection call and then hung up on me. I called back and was told I had to call on Monday to get the issue resolved and when asked to speak to a supervisor to understand why they are not recognizing the payoff on my account, I was never put through. A collection call on a Sunday when you can not provide any customer service to resolve billing issues is unfair business practices.
|
| 03/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
At the completion of my lease with Hyundai Finance, on XX/XX/2020, I made numerous attempts to return the car to the dealership. Multiple telephones calls and a visit were made to the dealership which I learned was closed do to the COVID pandemic. Subsequently, telephone calls were made to Hyundai Finance and after numerous attempts over period of 30-60 days I was finally able to make contact with a representative that stated " the finance office was closed do to the COVID pandemic '' and that I should continue to try and get in touch with the dealer. I explained that the dealer was closed, that this was a significant hardship since I had to continue to keep the car insured and I was unable to lease a new car. I was told that there was nothing that Hyundai Finance could do and that the car had to be returned to the dealer that I leased the car from. Subsequently, Hyundai pickup the car from my residence and reported to the credit agencies that the care was repossessed.
|
| 06/03/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a XXXX through a XXXX dealer and financed it through Hyundai Motor Finance ( HMF ). I set up autopay to HMF from my checking account. The loan was paid off in XXXX of 2015. HMF debited my account more than was due for the final payment. Then HMF continued to debit my account each month after the loan was paid off ( and after I had received the pink slip from the California DMV ). I called HMF on XXXX XXXX to revoke autopay and to get my money back. Autopay should have been automatically stopped when the loan was paid. I repeatedly asked HMF why this did n't happen but no one would answer the question. HMF insisted that the only way to return the funds was via paper check after XXXX business days. They did not revoke autopay and debited my account again in XXXX. How is this legal? If you pay off a mortgage the bank does n't keep taking payments. Why is this different? I should be compensated for the loss of use of the funds illegally debited from my account.
|
| 01/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
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My car was repossessed on XX/XX/XXXX. I had been trying have the payments lowered but would always say you cant. Hyundai Motor Finance has not worked with me. At one point they lowered it by {$15.00}. Hyundai has called my father at work without permission, my fianc at work without permission, my father in law without permission, and my mother. Hyundai put my father 's job and fianc 's job in jeopardy. I have called and explained I had not been working and my parents are on social security and have been trying to help me as much as possible. I am currently working now and would like to figure out what can ve done to get my car back. I need it to get to work and my daughter 's carseat and stroller are in the car. Hyundai stated that {$3900.00} is due to get it back. I only owe {$4300.00}. Hyundai will call 15 times a day using 5 different numbers. Even after payments are made the calls continue, and when I call they say you need to go online and we cant stop the calls.
|
| 04/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
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On the day I purchased my car from Huyndai dealership in XXXX XXXX, Ca on XXXX XXXX I had already been pre-approved by my bank for a car loan. The financial Manager, XXXX XXXX, promised me a lower payment and interest rate, he was very pushy and would not let up until I went with his institution. He did not provide me with any person copies at the time of signing and just pushed me to sign without explaining what I was signing. He stated that I would get an email with a copy of the agreement because his dealership no longer provided paper copies. I did not receive any email and I even checked my spam folder. It was until a month later that I received anything. The agreement showed that I had a larger payment and much higher interest rate. I attempted to solved the issue with the Huyndia dealership and with XXXX XXXX but he was very rude and raised his voice while I was attempting solve my issue and even made fun of how I spoke English which is not my first language.
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My leased Kia was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to Kia Finance on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to Kia Finance.
On XX/XX/XXXX Kia Finance deposited the full Total Loss Buyout in the amount of {$22000.00}.
Kia Finance has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''.
I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error.
Kia Finance has been paid in full and the current amount due is {$0.00}.
I have tried disputing this on my own but Kia refuses to verify with the credit reporting agencies that the account has been satisfied.
|
| 07/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
My Hyundai lease expired XX/XX/18 and I bought the car at the end of the lease. Hyundai charged me a {$400.00} disposition fee when I purchased the car but told me they would refund it and to expect a check in the mail. I did receive the check in the mail for a refund of the {$400.00}. Shortly after I received an invoice for {$400.00} from Hyundai for a disposition fee. I called them to tell them to clear it up and they told me they had no way of communicating with the Hyundai dealership to verify that I purchased the car. I told them that this was a customer service fail and they needed to fix it on their end and they refused. I also now realized that I am being charged interest on the {$400.00} since they rolled it into the new loan for the purchase. I am sure most people just pay the fee again and don't question it. This is a fee that I have paid once, have had refunded to me, and is now trying to be collected again. Do not just pay this without questioning it.
|
| 10/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
I had a three yr lease on XXXX XXXX XXXX. My lease expired before the XXXX models were released, so I extended my lease on month to month basis until new model year was released. My monthly payment for the extended lease was {$950.00} a month. In XXXX I entered into a new lease. My XXXX lease ended on XX/XX/XXXX. I paid XXXX invoice on XX/XX/XXXX. I entered into a new lease on XX/XX/XXXX as the XXXX falls on a Sunday and there is no way to return or accept a vehicle as dealers are closed. On Monday XX/XX/XXXX, I took delivery of XXXX and returned XXXX. I requested that my XXXX payment of XXXX be returned to me. XXXX XXXX denied my request after repeated calls, saying I should have returned the car on Sat the XXXX. My reply was that 1. I had paid to use that day in my lease 2. my new car was not ready 3.And that the monthly lease expiration fell on a Sunday. They refused, even with me buying a new car from them. Thus I wound up paying {$950.00} for one day of use.
|
| 12/13/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended.
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX.
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX.
After repeated calls from XXXX the Supervisor told us " Good luck " if you do n't pay.
Attached all documents
|
| 01/13/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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On XX/XX/XXXX I traded in my XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. I paid USXXXX as a down payment .XXXX contacted XXXX XXXX XXXX and got the paid off information and based on that the gave me the new deal. The US XXXX should cover the remaining payments. In XX/XX/XXXX I received a notice dated XX/XX/XXXX trying to collect US XXXX when I called XXXX XXXX XXXX they told me that they have nothing to do with that and if I font pay the will send my account to collections. I explained that I made a deal with a dealership that belong to them and that they should contact the dealership. They did n't care. I called the dealership several times and have not get a response from them yet.
Today I received a notification that this account is in collections dropping my credit score to XXXX. This is the 4th vehicle I get from this dealership and I have nothing to do with the communication between the dealer and XXXX XXXX XXXX when they call to get payoff information.
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| 12/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hyundai Motor XXXX Finance did not completely explain into detail the terms of the lease agreement. When the lease was at expiration date, the vehicle was handed in. Though I did not agree to follow up on another lease there was no issue when it came to the amount of miles agreed on the three year lease. There was nothing mentioned to me about any type of fee afterwards. A couple of weeks later I was notified by mail that I had an amount that was in collections in regards to the lease. I had made all my payments on time every month. I found it odd that collections was reaching out to me. Overall I call Hyundai and they mentioned that this was a fee. I care very much about my credit history, I made that payment to collections as soon as I could. If this could please be taken out out of my credit history, since this was all miscommunication in part of Hyundai 's employees when the vehicle was handed in. No-one mentioned anything about a fee, to be mailed to me.
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
|
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In XXXX my lease on a XXXX XXXX XXXX XXXX was coming to an end in XXXX. I leased a new XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. Part of the lease agreement was that XXXX XXXX XXXX would pay my last lease payment on the XXXX XXXX XXXX.
XXXX XXXX XXXX failed to pay off the last payment in a timely manner ( they paid it in XX/XX/XXXX, 6+ months after signing the lease agreement ). This resulted on Hyundai Motor finance reporting me to the credit bureaus.
I disputed this with Hyundai and was denied ( 5 weeks after sending in the letter ) stating " the disputed information is accurate as reported. '' I called Hyundai and they were unable to provide the information that was reported and refused to provide any further information to me over the phone. They advised XXXX XXXX XXXX is a third party and is not responsible for the payment. Which means that I was held responsible for paying the final payment even though the dealership agreed to pay it contractually.
|
| 06/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I have been receiving an inordinate amount of collection calls which I believe to be unnecessary and harassment. Though I have never been more than XXXX weeks late on any payment ( most on time or within XXXX week ), have never been a payment behind and always call the company to let them know I am aware of the situation and on the day I pay either through mail or by phone, I begin to receive calls XXXX days after the due date and I receive them several times per day, at all hours. Though I specifically requested not to call on Sunday they do so and at XXXX XXXX XXXX! I understand the need for collection services and I understand a Borrower 's responsibility to pay, but all this must be done within reason. If I were three months behind or always late or never in communication I would understand. In my present situation and over the past months, both the frequency and timing of the collection calls is inordinate and abusive. Especially on a Sunday XXXX at XXXX.
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| 08/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Older American, Servicemember |
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Paid car off in full on XX/XX/20 Have called finance company 12 times. Local car dealership called finance company on my behalf. Lady at the local department of motor vehicle has called the finance company on my behalf. I was promised the title would be mailed. I was told I could get a copy at my local DMV. I was told I would get the title by fax. I have emailed the finance company twice to complain about lack of customer service. Each time after a whole week of waiting I was told they could not help me by email and I should call the same customer service that I was complaining about. The new owner can not register the car in her own name because lien has not been released. No one at the finance company knows why it's not been released. On Friday around noon the lady at DMV was told it would be escalated and released in 2 hours. It's Monday around noon and it's not released yet. My paperwork all says Kia Motor Finance but the lien shows Hyundai Motor Finance.
|
| 06/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Through out the duration of my loan I made two payments, one approximately on the XXXX and one on the XXXX. In XX/XX/XXXX I began receiving calls from Hyundai Capital America stating that they had not received any of my payments. I explained to them on serveral occasions that I submitted payments. I also requested they document our conversations. In XX/XX/XXXX I noticed they began reporting late payments which was inaccurate. I called them and advised them and still no resolution. I faxed proof of payments and still no resolution. I then reported a discrepancy with the credit bureaus and they declined responsibility after I submitted proof from my back. I called them to question the dispute and they stated they have a section called care team that dealt with the disputes but I was not able to speak to them regarding my dispute. They failed to assume responsibility and have impacted my credit after I have tried to contact them via fax and submitted the proof.
|
| 07/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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Hello I buys a car Hyundai XXXX XXXX XXXX in XX/XX/XXXX, the firsts year no have any problem with the bank Hyundai financial in the past months of XXXX received a letter what my car was repossessed because no made my payment and I call solicit returned my payment, this is stupid answer, call for solution to this problem, your answer is I need pay again all this money or my car are reported I send copy of all my payment when I call for make my payment in the month of XXXX my account is negative for {$4600.00}, call again send copy all payment with copy of your email with confirmation of received payment, answer is you no pay your car last XX/XX/XXXX my car is reposis, my question is where is may car or my money? never the bank accept my paper only say you no pay is it everything, I pay every months my car, now no have car no have money and no have answer and solution to my problem or the bank can do this? Only like my car back or my money and clear my credit
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| 08/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
|
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On XX/XX/2021 I contacted Hyundai Motor America regarding billing. I asked for a deferment for the month of XXXX. I was informed they needed to process the application.
The application was approved and I needed to sign documents which was esigned on XX/XX/2021.
Today XX/XX/2021 I receive a call from Hyundai Motor America stating this is an attempt to collect a debt. I informed the agent I signed the documents and was told my next payment would be XX/XX/2021.
I have a copy of the documents and now they saying it has been denied because they did not receive the paperwork on time. This is false because I did everything with the agent while she was on the phone. This is a violation on behalf of the company because they never contacted via mail, email or phone to inform me the application was denied. If the Agent would not have called me to state she was attempting to collect a debt which is not even 30 days late I would have never known about this issue.
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| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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|
Web |
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We had a loan through Kia Motors Finance on our XXXX XXXX which we paid off XX/XX/XXXX. Since then, we have called customer service numerous times checking the status of our overpayment refund, but each time the story is the same : that a refund has been processed but not sent, and that there is no way to contact the responsible department other than by email, to which there has to-date never been a response. I have been reassured by various reps that they are looking into it, but nothing has changed.
It is now more than XXXX months later. If I were XXXX months late with a payment, Kia would at least continue charging interest, if not take legal action. I have contacted Kia 's complaint department in writing ( the only method which I was told will guarantee a response ), and I will be taking legal action if this matter is not addressed shortly. The pandemic is no excuse. Everyone else has carried on business as usual. Kia has a responsibility to as well.
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| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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On my credit report Hyundai motor finance is reporting a CHARGE OFF. My car was totaled and insurance sent Hyundai a full payment. I also had XXXX XXXX which sent a payment to hyundai as well. Hyundai sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to Hyundai ( the balance owed from gap and insurance ) and the account was closed successfully. I reached out to Hyundai and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to XXXX, XXXX, and XXXX and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!
|
| 01/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
A XXXX XXXX dealership in XXXX XXXX, Florida sold me a car based on the idea that I would have gap insurance and never included it in my contract. The actually cash value and XXXX XXXX XXXX value of the vehicle is {$6800.00} less than how much I owe on the vehicle, which is {$15000.00}. XXXX is only willing to pay the cash value of the vehicle and XXXXXXXX XXXX denies ever having gap coverage in my contract. I was badly injured in hydroplane car accident and when I tried contacting the dealership, they only had records of my vehicle. They had switch from XXXX to XXXX 's XXXX dealership. I do n't have {$7000.00} to give out of my pocket for a vehicle that I could only have bought brand new from XXXX XXXX, as they would n't sell me a used car. XXXX XXXX Customer Service basically said that they get their payment from XXXX and leave me with that overpriced bill expecting me to pick it up. And they told me they did n't know how collections would handle it.
|
| 05/08/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
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Kia Motors Finance XXXX . XXXX XXXX XXXX XXXX , CA XXXX Subject : VIN # XXXX 1 ) I bought a XXXX XXXX on XXXX XXXX and was offered a contract for service that I would only worry about gasoline and wash my car. Those words convinced me to accept it. Last XXXX XXXX , I found out that I had to pay for service and I was told that I could cancel that contract. I do think that after paying for 47 monthly payments I should be reimbursed for the whole amount paid until today, since your finance employee tricked me with a disonest explanation. 2 ) Also, I would like to request a waiver on my account number XXXX of {$30.00} caused by my typo mistake when making a payment in advance over the internet, instead of bank account, I typed Kias account number. I understand it is my responsibility to check it carefully, but I was not late, not even on the due date. It was an honest mistake. After my third call, I was told what was wrong.
|
| 07/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
We leased our XXXX XXXX XXXX on XX/XX/XXXX. We included a maintenance agreement in the terms of our lease for {$750.00}. Shortly thereafter, we moved across town, making it very inconvenient to return to XXXX XXXXXXXX in XXXX to obtain the service provided for in the maintenance agreement. Accordingly, I cancelled the maintenance agreement on XX/XX/XXXX.
XXXX XXXXXXXX financing personnel explained to me that the remaining balance on the maintenance agreement would be applied to unpaid lease payments which would result in paying off the lease agreement earlier than originally scheduled.
I have received no indication from either XXXX XXXXXXXX or XXXX XXXX XXXX regarding the new date by which the lease agreement would be paid off, so I am requesting that information now.
Today, I am making my fourth request for this information. I have explained to Hyundai XXXX XXXX that I will be withholding further payments until I have received this information.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2023 a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to KIA Motor Finance for $ {$4900.00} and not excepted due to Kia Finance not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me.
During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them.
I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from Kia Finance to be updated to paid off when that is what happen and my refund issued immediately.
|
| 05/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
Dear Sir or Madam, I finally received the Car title from Hyundai Motor Finance 2 days ago with your help. I really appreciate that.
However, I have meet another issue with transfer the ownership at Tag office at Georgia.
The officer who worked at Tag office at XXXX GA, XXXX told me that I need to pay the penalty followed the rule.
Hyundai motors finance sent me the bill of sales and title filled out, but the sales date filled out as XX/XX/22 on the tile and bill of sales. That was the reason.
So i called Hyundai Motor Finance and tell this issue, they told me that they don't responsibility for that penalty.
I didn't expected that answer, I waited XXXX months for getting this title. I keep missing the chance to selling my car and wasted time.
I have attached documents what I received from tag office and Hyundai Motor Finance.
Also you can see the complaint id as XXXX for previous issue.
I really want to finish the argueing with this company.
|
| 10/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Hyundai Motor Finance, without warning, cancelled my auto payment at the final payment of my lease. I received no letter, email, or phone call informing me of this. After three years of on time payments, I received an email almost a week later that no final payment was received. When I called to ask why it autopay was cancelled I was met with two very unhelpful customer service representatives who rudely informed me that they were attempting to collect a debt ( even though I made payment online while I was on the phone with them ) and that it was policy to cancel auto payments ( with no warning to the customer ) on all accounts before the final payment. They also said that the late payment would likely be reported to credit agencies.
This is predatory behavior and likely an attempt to collect late fees at the last minute before lease ends, or purposely lower credit scores so that going forward they can collect a higher interest rate from customers.
|
| 08/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2022 I made an extra payment of {$1000.00} to Kia Finance.
The next day I called to have it applied to the principle ( according to their instructions ) On XX/XX/2022 I received the money back from Kia Finance.
On XX/XX/2022 I called to find out why, she did not know, but offered to cancel the check and apply the funds to the principle, which I gladly accepted.
I called numerous times to find out why I was not seeing any progress.
Eventually I insisted on speaking to a supervisor. This was not easy as the person on the phone insisted that she could take care of everything. Finally I got through to a supervisor. He told me that it was my fault because I requested the money back ( I did not ). He was quite happy if I would just go and find a new lender.
I am still trying to find out if the check they sent me has been cancelled and they are proceeding in applying it to my principle, or if I have to deposit the check and resend the money.
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
Car received hail damage onXX/XX/2023, on XX/XX/XXXX,XX/XX/2023insurance sent a check for {$9800.00}. We decided to pay off loan instead of repair. As directed by customer service we sent check and all pertinent information to Kia Finance. Certified mail, which they received on XX/XX/23. Because I was told wrong information they were processing a check for body shop. OnXX/XX/23 I sent an email advising that I wanted the check to go to payoff and not repair. On XX/XX/23 received email that it was changed and it will be applied to payoff. On XX/XX/23 I called regarding title because email stating it was sent on XX/XX/23. Was told it was sent to insurance company, and the refund will take 30 days from payoff. Called my insurance company they did not receive title. When I calledXX/XX/23. They will not issue duplicate title without insurance ok. And the refund has not been sent because a manager has to sign it. I feel like I am getting the run around.
|
| 12/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
After multiple calls with Customer Service Agents, I was advised that my only Payment options were Via Mail, or over the phone ( with a fee ) due to being locked out for returned payments. I was not informed that XXXX was still active, my access to this was also blocked on the website so I am unable to view. Because of this, I made a payment on XXXX/XXXX/2021 before the payment due date of XXXX/XXXX/2021. On XXXX/XXXX/2021, an additional payment was drafted from my account causing an Overdraft. The payment was returned, but now I am still stuck with an overdraft fee for a payment. I called Customer Service to make them aware and to be made whole. After escalating to Management, I was essentially blamed for the overdraft. Management said that I should have known an Auto payment was being drafted even though they blocked my access to view this on the website. This was also never mentioned my a rep even though I have called 5 times in the last week.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to complain to HYUNDAI CAPITAL AMERICA about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
|
| 09/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed. I called multiple times requesting updates, but each time I get the run around and a different answer. The check was mailed to an old address from a previous account that has been inactive for 3+ years. All requests and address verifications were for the XXXX Street address. This also brings up security issues. I believe this was retaliatory behavior. The company was not happy about the previous XXXX complaint it CFPB complaint ( XXXX ). This money is very important to help cover my monthly expenses due to a financial setback due to COVID-19. This company is incredibly reckless and should expedite this refund. As a consumer, I should not have to be penalized for their mistakes.
|
| 08/27/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
well back in XX/XX/2022 consumer sent complaint to the cfpb concerning several important issues, only to be closed, due to ' '' concerns that my letter showed a possible second person was using my info or sharing in the complaint, though i continued sending my information 's, .consumer finally got a response from the company, now this response is dated XX/XX/2022, at an address i know longer receive mail there, not my place of abode and during this time frame the company " kia finance '' had someone to come and tow my car on XX/XX/2022 while my disputes were still being processed but not yet settled and therefor I called police to report car stolen and was informed it was repossessed without my knowledge or consent, which left consumer at a very bad loss, so back to the letter this finance company consumer has no idea who these people are, i had full rights to withhold all payments until company complied with there obligations and duty 's ....
|
| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
I reached out to XXXX XXXX XXXX XXXX XXXX and Kia Motors America in regards of my fraudulent contract I signed for my XXXX XXXX XXXX. Under the federal law, it states these dealers can not mix cash with credit. I paid him XXXX in total for my down payment because my credit was not as great as I was told by the dealer. Reading the contra the bank gave me a loan for the amount of my car and insurance. I was demanded to get separate insurance and I was not offered insurance within the contract but the contract says not N/A. Which is also false and fraudulent. I have my contract, documents, and payment proof that I paid for this car. I demand my titles to my car that I also paid for in the contract that I did not receive. I demand my car be paid off and marked XXXX good standing to all credit agencies. I demand my cash down payment I paid to XXXX XXXX XXXX in Tennessee. I also demand my debit/ credit Car payments back from Kia Motors Finance XXXX
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.
Below are the errors I have identified : HYUNDAI CAPITAL AMERIC XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
HYUNDAI CAPITAL AMERIC XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
HYUNDAI CAPITAL AMERIC XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I traded my vehicle early XXXX and was ensured my vehicle would be paid off before it was reported late on my credit. As I waited for my vehicle to be paid the deadline was getting close. I called Kia Motor finance on XXXX XXXX ( they have recorded calls by the way ) and they told me that they had not received the pay off from the dealer I traded at. This was not true because this is the date they received the payoff check. I believe this was when it was 28 days late. Anyhow, They told me that I could pay on the XXXX since they still hadnt received the payoff from my dealer and my account would still be not late which is what I ended up doing. Turns out they reported me 30 days late anyways. This dropped my score over 70 points at a time that I am trying to buy a house. This is not right and I would love to get it resolved. On my payment history on the website it says they received the pay off on XX/XX/2023 which was not 30 days late either.
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had my vehicle stolen and burned. I contracted Hyundai XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}.
I have disputed this issues with all 3 credit bureaus ( XXXX XXXX and XXXX XXXX XXXX and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ...
Hyundai XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly.
See the enclosed attachments ....
|
| 11/29/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX will not update my account I 've called several times an was told dates about my account being updated my car was totaled on XXXX XXXX, XXXX. Today XXXX/XXXX/XXXX was suppose to be the day when the bureaus was suppose to be updated on my balance on my account gap insurance, primary insurance an warranty company have all paid amounts on vehicle. The XXXX insurance company paid XXXX issued XXXX/XXXX/XXXX payment was processed by XXXX. Gap insurance paid XXXX processed on XXXX/XXXX/XXXX. XXXX made a payment received by XXXX in the amount of XXXX an XXXX XXXX/XXXX/XXXX. Still have yet to see balance updates. Two of the payments I never received a email had to call in and make sure they had them and they did but I keep being told 5-7 business days to update to my account which has not been updated since XXXX XXXX. This is hindering me from getting another vehicle. The balance on the account is still showing XXXX which is incorrect.
|
| 01/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
My car was repossessed in XX/XX/XXXX by XXXX XXXX XXXX.
I never received documentation that my car was repossessed until XX/XX/XXXX, in which I lost my license due to the fact that they could n't provide me with a letter. When I called in XX/XX/XXXX to find out where my car was with all my possessions, they did not know where it was located, the tow truck company got a ticket that was forwarded to me by XXXX with the car in tow. I reached out daily for updates as to where my car was located so I could get my stuff and turn in the plates and not anyone could give me an answer. I had lost my license for 4 mths due to the fact that the tow company lost my plates and then I never got my valuables out of the car. Now in XX/XX/XXXX, my loan shows that I have missed payments, and is still open. They sold the vehicle in XX/XX/XXXX and my credit is ruined because of them. I also am XXXX I lost my license and my valuable were lost. Very disgusting.
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
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| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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My lease of a XXXX XXXXXXXX XXXX with XXXX XXXX, a unit of Hyundai Motor Finance, included a Purchase Option at End of Lease Term. That Option specified that there would be no Purchase Option Fee. However, when the end of the lease approached, XXXX provided only 2 possible routes to purchase the vehicleI could make the purchase through one of their dealers, who would charge a fee of {$990.00}, or I could do it through an outside contracted organization called XXXX, which charged a fee of {$560.00}. There was no route offered without a fee, despite the clear terms of the lease.
To keep from having the vehicle repossessed by acting in a timely manner, I bought it through the XXXX option. I am now asking XXXX to make good on the terms of the lease, which they drafted, by reimbursing me for the {$560.00} fee. Despite 3 letters and 3 phone calls, they have refused to do so. This is a breach of the contract, which they should have to honor.
|
| 01/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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|
Web |
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Back in XXXX of XXXX my car was repossessed by HYUNDAI FINANCE XXXX XXXX XXXX XXXX XXXX, CA XXXX. When a car has been taken back by the finance company there are certain legal protocols that are suppose to be in place when such matters have been taken. They are required to notify consumers of each and every step after attaining a vehicle, such as, copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. There were no communications of any legal notices sent to me at all. I sent them a certified letter back in XXXX of XXXX requesting them to comply with said legal notices, and if they do not comply they will be in violation under the laws of XXXX XXXX as well as State XXXX and XXXX statutes. And a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
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| 09/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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After purchasing my 2022 XXXX XXXX XXXX in XXXX of 2022, I did not receive my title for more than two months. At that point, I received a " title for registration purposes only '' in the state of XXXX
After relocating to the state of XXXX in XXXX, I was told this title was unacceptable for registering my vehicle, which is my only mode of transportation. I formally submitted a request via mail to Hyundai Motor finance the second week of XXXX.
Since then, I have called upwards of 10 times in an attempt to get through to the title department to determine when my title will be sent to the DMV in XXXX so I can register my car. I have had success getting through one time in the beginning of XXXX and was told my transfer was " in process '' but it is my responsibility to continue following up to ensure the transfer goes " smoothly. '' At this point, on XX/XX/XXXX, the DMV has still not received my title and I can not legally drive my car.
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| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American, Servicemember |
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I received a letter from the company that my loan had been paid off. I was to receive a refund for the unused portion of a service contract and extended warranty. I was told by the dealer that sold me the new vehicle that it would be four to six weeks to receive my refunds. It has been eight weeks since the payoff letter was received which was about two weeks after the loan was actually paid off. In other words it has been about ten weeks since the payoff was done. I have contacted the company at least three times by phone, once through the local dealer and twice directly to the home office financing department. I received one of the refunds about two weeks ago but was told at that time the other check was pending. The pending check is for approximately {$3000.00} and I am having to pay interest on that amount since a credit card was used to make the down payment on the loan. I want my refund to pay off the credit card to save interest.
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| 04/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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Called into Hyundai Motor Finance on XXXX/XXXX/16 - to question why Hyundai Motor Finance has me XXXX days deliquient on my car payment. Stayed on hold for 15mins. Hung-up, and called back. Customer Serv Rep by the name of XXXX answered call. Explained to her that I am not 58 days past due according to my own records. She explained that I made partial payments for XXXX & XXXX. I explained to XXXX my records indicate me sending in more than my monthly payment each month. She explained that I have unpaid late fee 's and that the overage payments are not being applied to the late fee 's. She explained I need to call into Hyundai Motor Finance after each payment and advise them to apply my payments to late fee 's. I asked her to apply my payments to what I am billed. She said she can not reverse the payments and re-apply. I asked to speak with a manager in which she explained the Manager ( XXXX ) said she could not re-apply the late fee 's.
|
| 08/16/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I leased a XXXX XXXX dealership with XXXX in XXXX. I returned it in XX/XX/XXXX at the end of my lease. I am now being charged {$130.00} for a tire repair kit that I was never issued.
I called the XXXX Lease End Department and after multiple calls, I finally managed to speak with a supervisor who said that they will not waive the fee. They say if I want the fee waived, I need to go to the dealership, which has since changed hands 2 times, and convince them to give me this part for no cost. They then want me to ship it certified to them. I don't think it's right that I should have to spend {$130.00} to fix their mistake, and I don't believe I should have to haggle with the dealership to try and convince them to give me this part for no cost, and then have to ship it certified with my money. Their rationale is that it is illegal to sell cars without either a spare tire or a tire repair kit, yet they did just that. This is their mistake.
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
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Lease via Kia Motors. Due in XX/XX/2020. All lease contract obligations were paid in full on XXXX, paid via bank including any turn in fees, etc per the contract. Vehicle was turned in to dealership on XXXX. Dealership accepted vehicle and provided turn in paperwork to me. Lease/ Loan debt was fully paid as indicated by Kia Motors credit report update issued on XXXX showing that account was paid in full and has a XXXX balance.XX/XX/XXXXXX/XX/XXXX XXXX.
Credit agencies receive report that my loan is past due by {$390.00} on XXXX, though they indicated it was paid in full on their credit report submission on XXXX. They are now saying that an early termination fee is due, though I paid the account in full to satisfy all contract obligations.
I have contacted Kia Motors only to be told that that is their policy and therefore could not be helped.
I have disputed any claims of delinquency via XXXX and XXXX XXXX credit reporting agencies.
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| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
Older American |
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In XX/XX/2021 I called to see about a payment deferral for one month. The customer service representative ( who seemed new ) said they could do the deferral and all I would have to do is electronically sign an agreement and it would be done. They emailed me the agreement which I signed and thought it was accomplished. In XXXX I found out my Credit Score dropped significantly and found out it was because KIA Finance reported I missed a payment. I have had a perfect payment history with KIA for 71 months. ( Contract recently paid off ) I tried calling KIA Finance but was always disconnected. Wrote a letter explaining dispute. They sent a form letter saying it was investigated and found no resolution. I filed disputes with all Credit Bureaus with no remedy. Finally had an attorney send a certified letter requesting an investigation and simple remedy of honoring the deferral and correcting credit reporting with no response after a month.
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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My car was financed through Kia, which I purchased in XX/XX/XXXX. I paid on time for 1 year, then in XXXX of XXXX the car was totaled. I informed Kia as well as my Insurance Company and My GAP insurance. Kia failed to send the proper documents to the Insurance companies. This was told to me by both Insurance companies, In XXXX both companies informed me they had all my paper work they were waiting on Kia to send in their paper work. Then in XXXX of XXXX I received a letter from Kia stating that it was finally done. But then in XXXX I received a letter stating I owed over XXXX. Not only that Kia reported my loan as a bad debt write off. How can they do this. I had Insurance as well as Gap insurance.
This has damaged my credit score so bad I can't even get my home loan refinanced which I am in desperate need of during this hard time with my hours being cut.
Please can someone help me get this matter resolved and fix my credit score.
|
| 02/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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I refinanced my car with XXXX XXXX Credit Union on XXXX. They sent a check to Hyundai Motor Finance to pay off my loan and the check was cashed on XXXX. XXXX claims that they can not locate the payment made and that there is nothing they can do.
I have contact Hyundai four times since XXXX to get the issue resolved.
Today was my fourth attempt to resolve this with XXXX and I was on the phone for over forty minutes and was still told there was nothing they can do.
This check was over nighted to Hyundai and cashed, it had all the proper documentation and was for the final pay off amount of {$13000.00}.
I have my new payment set to come out of my account on XXXX. I also have a payment with Hyundai still set to come out on the same date. That will be over {$800.00}. If I remove my payments with Hyundai I will have negative marks on my credit report but, if I don't pay on my due date, they will take out a payment that is not owed.
|
| 07/09/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/18 I paid XXXX late fees and requested an extension of my loan XXXX XXXX XXXX. I sent the paperwork back four times and the claimed they never received it. After a minor operation another rep called me and said if I went to staples she would fax it to me there and I could sign it and send it right back. They started trying to fax my phone number. I went to staples faxed them and told them they were using the wrong number. No response. I was getting harassed repeatedly XXXX and 4 times a day. I spoke with no less than XXXX rep and explained, no one paid any attention and just kept calling. People would tell me that they would call me back the resolution and didn't. They just continued to harass me at work, at home no matter where I was. When I would block one number, the would call from another. I have been so stressed, that my XXXX XXXX flared up and was hospitalized. Due to my condition, I can't live with that much stress.
|
| 05/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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The monthly statements have no information about the interest or interest rate you are paying each month and only show the amount you owe. I have looked extensively for the interest rate I am paying on their website as well and it can not find. Also the amount of interest paid each month is buried in the account history tab but no rate can be found. I tried to make an additional payment online and because I am set up on auto pay this is possible. I cancelled the autopay too try to resolve and still can not make an additional payment. When you request a payoff if give you the option to send by mail so maybe that is why you can not make a single additional payment from their site. You should be able to make a payment online as this is more mainstream plus there are mail deliver concerns. Requiring the mailing of a payment I feel is prohibited and seems like a way to keep you from paying off the loan so they can make more interest.
|
| 08/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I made a payment for XX/XX/XXXX on XX/XX/XXXX. It wss 29 days late for {$480.00}. I made the payment on the site. It uses XXXX XXXX to process payments. My account information is usually pre stored.
The month prior I made a payment over the phone with my debit card. I submitted my payment on the 6th like normal. After a few days, I noticed the money was still in my account. I them checked the emailed receipt and noticed that it had the last four digits of my debit card not checking. You can only do check payments on the site.
I call on the XXXX to let them know the error and used my debit card to make XX/XX/XXXX payments becaue I knew it was going to get returned because the last 4 of my checking was wrong.
I expressed to them that I can't afford a 30 day late payment and it was a glitch on there site.
I got mixed responses from customer care as if I would. I just want to make sure I don't since it was an error on their part
|
| 11/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have relocated to another state and have been trying to get my car title transfer in the state where I currently live ( XXXX XXXX. The XXXX DMV has asked for a copy of the original title from XXXX ( where I used to live ) to complete the titling process.
I have been in contact with Kia Motors Finance since XX/XX/2021 and have made several attempts for them to either send me the requested document ( so that I could share with the DMV ) or have them send it to the DMV directly. I have been unsuccessful in getting this ( fairly simple/routine request ) done and have wasted hours of my time.
The Kia Finance representatives have continued to lie to me, each time convincing me that the issue has been taken care of - while the DMV 's records are still showing otherwise.
This issue has caused me harm as I was informed by the DMV that I woildnt be able to sell the vehicle until the title rransfer situation has been sorted out.
|
| 09/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
We leased a XXXX XXXX XXXX XXXX. The lease ended in XX/XX/XXXX. We bought the car for over {$20000.00}. We filled out the forms and the odometer statement. Hyundai Motor Finance said we will receive the title in 30 days. End of XXXX no title, XXXX no title. Called multiple times and they said they sent it and we will receive end of XXXX. Never came. In XXXX called again. They said they sent but we never received. They said they would send a letter for release of title federal express we could take to the DMV. We waited all of XXXX and nothing came. Called again beginning of XXXX. They said we will send a release of title XXXX XXXX on the XXXX. NEVER CAME. We have now gone 5 months with no title. We need help. Hyundai should not be allowed to not fulfill their obligation to customers who buy a car from them. Since this has happened I have researched on the Internet- this is happening to thousands of customers.
XXXX XXXX XXXX
|
| 02/16/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Just over a year ago, I have leased a XXXX XXXX XXXX vehicle from Hyundai Motors. They recommended that I use one the insurances that works with them so I chose to do that. I placed {$2400.00} for down payment to start the lease. After that, I had the vehicle for just 3 weeks, an accident happened and the car became a total damage, a total loss. I have talked to the insurance and they paid for everything to Hyundai Motor Finance, every single penny. Even after that, Hyundai has been charging me every month as if I still had the vehicle with me like if the accident never happened. So I kept calling and calling and they finally answered and they told me that account will be closed for good and this was 2 months after the accident. So the account shouldn't go back to my credit saying that I owe {$500.00} and that I'm missing a couple payments. That dropped and ruined my credit so much because I always pay on time for everything!
|
| 07/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The first problem is that hyundai is not respecting the contract i signed in 2018 for my veichle its a XXXX XXXX XXXX and now my payments are showing wrong on my accounts online and when i call i want to know why my payments went up from XXXX to XXXX please help me.
I was told serval times things were going to be fixed and i was suppose to receive emails but i have not received one email regarding this problem.
also i didn't ask for this extra insurance payment i am being charged fro and i am being charged for and i am very upset due to this situation. also i have been harassed several times by this company regarding this situation and i want them to stop the harassment telling me that they are going to pick up the vechile for repossession.
also because i am not fullest in english they yell and me and are harass full sometimes say they can't help me and i feel like i am being very discriminated by hyundai finale companies.
|
| 10/15/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
This is about Hyundai auto finance company ... .they got my cell number from who knows where ... ..I have NEVER had a loan or ANYTHING with them, but they keep callllllllling me at least three four times a day sometimes more ..., ... they call when im on conference call and when they do, my conference cll drops ... and I have to redial in ... ..Ive sent them email telling them to " cease and desist '' ... ..and they talk to me like im the one infringing on their time ... ..they do n't leave messages, just call and call and call ... .its annoying ... .Ill NEVER buy a car from these people based on their behavior ... ..Ive never had dealings with them, a loan, nothing!! I HAVE TO PICK AN OPTION BELOW TO GET THIS THROUGH, BUT IVE NEVER HAD A LOAN OR NOTHING WITH THESE FOLKS ... ..I want them to stop calling me and or anyone else they are harassing! when u ask them to stop they do n't. then u call them they act like YOURE stupid.
|
| 11/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I received a letter from Kia informing me that I had an outstanding balance of {$2600.00}. I have never missed a payment and have a copy of my payment history showing that I had not missed a single month. I made a phone call and spoke to a CSR Ms XXXX, who told me that she would have the finance department look into the account and would contact me. Since then I have not heard anything, but when I checked the website the " debt '' had been removed. Today when I went to make a payment, it shows no payment is due. The payments are due on the XXXX of each month. I went ahead and made a payment even though the balance said " XXXX ''.
This is not the first time I have had a problem with Kia Finance. Two years ago I was making payment on my XXXX XXXX XXXX. The payments were being transferred to the account for my XXXX XXXX XXXX which I had sold back to the dealership. I got this corrected after several phone calls.
|
| 08/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On or about XXXX XXXX, XXXX, I learned that Hyundai Motor Finance erroneously reported to XXXX and XXXX credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called Hyundai Motor Financing to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from Hyundai Motor Finance that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.
|
| 08/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a XXXX XXXX threw XXXX XXXX XXXX in XXXX XXXX XXXX Where they never applied my trade and car was purchased for over book value. Also my payments were taking out of my bank account but never applied. When I stopped letting them take out payments I started sending money orders to there XXXX XXXX as it is listed as kia motors finance XXXX XXXX XXXX XXXX tx XXXX I have contacted them multiple times about payments. Why they are not being applied. They keep saying I am turned over to collections. I started making payments threw money order and have copies of the money orders being cashed but not applied also they are pulling my credit report every couple of months pulling my credit score down. I called to get pay off info for my bank and I was hung up on 3 different times. The car company XXXX XXXX has pulled my credit report as well since purchase of vehicle. Im trying to get it payed off and am getting no where.
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Since the beginning of this year I have noticed a Charge off appearing on my account under Kia Motors Finance. The thing is I returned this vehicle to XXXX MONTHS AGO when the lease was up. The car was returned and in their possession yet they are somehow reporting that this account is a charge off? I have never been late once on this account and they are now in possession of the car. THIS HAS BEEN AFFECTING MY LIVELIHOOD. Kia 's irresponsibleness has lead to my credit report being damaged for no reason. I have tried disputing this, calling in, but maybe I am doing something wrong. I have now decided to submit a complaint and if not resolved continue this complaint with legal action. Again this vehicle was returned on time and was at XXXX XXXX XXXX as soon as the lease was up on XXXX. Please resolve this as I do not know why this is reporting on my credit as a charge off from XX/XX/XXXX until XX/XX/XXXX. This is wrong.
|
| 04/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
In XXXX of 2019, I had inquired about a new vehicle purchase at my local dealership. I had been in contact with a formal sales representative i worked with in the past. He acknowledged that for the purchase of the new vehicle that I would have minimal negative equity and the dealership would cover the rest. On XX/XX/2019 I made the purchase at the dealership. When signing the paperwork, the sales representative did not disclose how much negative equity would go into the new loan. Also, no further explanation of how much my payment would go up and why. I had been lied to or mislead with false advertisements and word of mouth by the sales team. On XX/XX/2019 I attempted to return the vehicle back to the dealership. But had been lied to that it could not be returned when in fact it could have been turned in by a manufacturer purchase deal. I attempted to go through the company on how to return the vehicle but no response.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus.
XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries.
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.
|
| 11/19/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This is tied to complaint # XXXX.
Hello, Thank you for your previous response. I went ahead and requested the official letter from my financial institution. It clearly lists my XXXX account, which is correct account that I used for the past 3 years. The Bank asks XXXX to remove negative credit entries as the customer entered correct amount and account numbers. The payment rejection and any subsequent delays are not customer 's fault. This is either the Bank or XXXX. You may contact XXXX XXXX XXXX to verify. Since, I have no proof of mailing my initial payment attempt ( USPS in XX/XX/XXXX ), you may leave XX/XX/XXXX ( 30 ) entry on my credit report. However, please do act in accordance with the letter from XXXX XXXX XXXX, and remove both XX/XX/XXXX ( 60 ) and XX/XX/XXXX ( 90 ) negative credit entries from all credit bureaus. Hopefully, this time we can finally close this case in satisfactory manner.
Happy Holidays!
|
| 11/10/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hyundai Capital America has failed to review the affidavits and identity theft reports ive sent them on numerous occasions. Ive also sent a letter of debtt verifcation and they have YET to give me the information ive requested under the consumer laws.
I will be requesting {$1000.00} per violation and seeking pain and suffering damages for them slandering my name with identity theft and already have been paid with this loan on multiple charge offs XXXXXXXX XXXX XXXX
Ive had to take a bad credit auto loan because of this paying 29 % interest rates. I will be seeking damages in full soon if this is not resolved, investigated and deleted from my consumer report.
Ive also requested the send me the disclosures in this contract I allegedly signed along with a validation of debt.
SEE ATTACHMENT OF NOTARIZED IDENTITY THEFT IVE SENT TO XXXX ALONG WITH VALIDATION OF DEBT REQUEST SINCE THEY ARE NOT FULFILLING THEIR DUTY
|
| 07/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
KIA repossessed my car this morning @ XXXX on XX/XX/2022. I been on the phone with them since XXXX. I have kept in contact with them about my situations.. Ive had one request that has yet to be full filled. But the representative ( XXXX ) tells me I cant get my car back due to lack of residence but your able to find my car anywhere. I stated to XXXX the Representative I live in a XXXX XXXX XXXX & theres no physical address.. That address is confidential because you could be or know my assailant.. So I gave him the address where my mail goes.. He tells me.. Thats not good enough. Really! I asked XXXX how much I need to pay.. I have yet to get an answer. I want to speak to a manager he tells me 72 hrs is the window frame of one calling me back. So I asked him can I talk to the person who denied my request for my lack or residency. He said yes up to 72 hours XXXX call you back.. Wow! I need HELP, ANSWERS, & RESULTS!
|
| 03/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
I started contacting Hyundai Motor Finance on XXXX XXXX, requesting payments applied to my principal balance. Each time I was informed it would take XXXX days to be processed. I called XXXX times in the past month requesting to have the XXXX payments adjusted as instructed by the HMF representatives. As of today XXXX XXXX, only XXXX payment has been applied to the principal & I keep getting promised that they will be escalated & corrected. I have refinanced my vehicle and have been charged excess interest due to the previous payments not being applied to the principal balance, in combination with HMF not being accessible for close to a week due to incliment weather & having to wait to receive the payoff information. I feel HMF has dragged out the completion of correcting my payments in hopes to continue charging more for interest. I would not refer HMF to anyone looking for good and trust-worthy customer service.
|
| 04/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Sent Final payment cashiers check. Overnight to To Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX.
Odometer statement attached to the check.
Hyndai motor finance shows processed on XX/XX/XXXX. Then I started to receive voice messages that the odometer statement was not received. I sent it by fax on XX/XX/XXXX. To XXXX. Did not hear anymore from Hyundai Motor Finance. Now my new loan company is demanding a title by XX/XX/XXXX. I have no recourse. No way to get this title. I have sent the odometer statement again. By email and fax today XX/XX/XXXX to XXXX and XXXX. I only get customer service people that can not help by phone. They make me provide information and offer to send me the odometer statement form. Give me the fax number. But have zero ways to help me and are not able to connect me to a representative onshore ( Their words ). I need this title for my new finance company.
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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|
to whom it concerns, I am trying to have had inquired removed from my credit report due to XXXX XXXX XXXX XXXXXXXX Delaware after several time of telling them I have a preapproval from my bank in your financial office. they didn't listen to us ( me and my wife ) asked us to sign a paper we noticed after that we had 10 hard inquires on our credit after we spoke to them after that day and try to have them removed, the finance department gentlemen. Again, says in his words that we can't afford a vehicle from them I again said I would want my hard inquires removed FROM OUR CREDIT YOU LEAD US WRONG I JUST WANT this off or credit on or about these dates and company 's Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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For approximately one year now I have been receiving several calls/voicemails daily from Kia Finance XXXX The man leaving the voicemails says his name is XXXX with Kia Finance and would like me to return his call. He insisted the message was for XXXX XXXX ( I am not XXXX XXXX. After several unsuccessful attempts at reaching XXXX, I was finally able to get through to who I assumed was a representative and asked to have my number removed from the call list as I am not XXXX XXXX. I stopped receiving calls for about two weeks when I received yet another call from XXXX today ( XX/XX/XXXX ) who now believes I am XXXX.
The number XXXX calls from is XXXX and the number he leaves for me to call him back at is XXXX. Im getting very fed up with receiving these calls/voicemails. Im not certain if it is a scam or if it is a legitimate Kia Finance representative looking for a customer. I would greatly appreciate the help.
|
| 06/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
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On or around XX/XX/2019 I deposited {$4000.00} in my Kia Finance Lease account to be used for monthly lease payments for the following year ( 12 months ). I transferred the money via an ACH payment from my checking account around that date and informed them that this money ( credit ) was to be used for monthly lease payments. Kia Finance could not figure out what that {$4000.00} was for and continued to draw money for the lease payment from my checking account ( {$330.00} ) instead of using the {$4000.00} credit on my account for payments which I instructed them to do. After realizing they were to XXXX to figure out what that money was for I requested they refund that money back to me. I was informed that they would only issue a check and that it would be 16 days. Four ( 4 ) + weeks have gone by and still have not received my refund. I have called these XXXX and have been told it will take time. Unacceptable.
|
| 01/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Due to XXXX in my immediate family and my own illness I fell behind in my payments. I am working as hard as I can to catch up but the collection calls are relentless they start at XXXX XXXX XXXX XXXX and do n't stop until XXXX XXXX seven days a week, The callers make threats to come and get the car and when I advised them to do so they refuse to come and get the vehicle. I have asked for the paperwork to be sent to relinquish the vehicle back to the lender and they refuse to send it.
I have repeatedly asked not to be contacted while I am at work during the hours of XXXX XXXX and XXXX XXXX yet the continue to call. If I l do not answer the phone they hang up and call right back. Because they will not respect my request not to call during my working hours or not to call my place of employment my employment may be in jeopardy, On Sunday XXXX XXXX, 2018 I received twenty calls from the lender in a single day.
|
| 08/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Misrepresentation has been committed on the consumer credit file of XXXX XXXX XXXX which violates the Fair Debt Collection Practices Act. Company Name is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.
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| 08/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
I purchased a XXXX XXXX XXXX and financed with Kia Finance. Fortunately I was able to pay my loan off early. The final payment to Kia Finance was made to them by wire on XX/XX/2022. The wire payment was for more than the pay off by {$1200.00}.
When paid, I called them and asked when the refund would be issued. They advised it would not be processed for 10 days. That put it to XX/XX/XXXX, which was a holiday, so I waited. No refund, I called again and was told it takes 30 days. Waited no refund.
I called after 30 days to be told now it takes 45 days. No refund. My last call to Kia Finance was on XX/XX/XXXX, and was told it would take 4 working days. Still no refund.
It is now XX/XX/XXXX and when I call, I can not even speak with someone their system says they are too busy to call back. The have had my money since XX/XX/XXXX, my contract was paid in full, I received the pinks slip just not my overpayment.
|
| 05/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a vehicle back around XXXX of 2019. Roughly 1-2 months later, I paid off the entire financing on the loan at once, which was acceptable since there was no early pay-off clause in my contract.
That same day or two-day period, I called Hyundai Finance 's Customer Service Center and had them change my address as I was moving from XXXX to XXXX. Calling back in about 2 months later, I found out they had recently sent my title to XXXX and that it was unrecoverable.
Since then, I've called 5 different times to get a Lien of Release, and each time they claim to send it, but it has NEVER arrived at my apartment ( I have a mailbox that locks, so it wasn't stolen ). They won't do anything to help me resolve it, nor will they show any proof of sending it. I can now no longer drive my vehicle since it needs to be re-registered in Indiana but I don't have a title or lien or release to do so. Please help!
|
| 10/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I had a loan with Hyundai Motor Finance for a XXXX Hyundai XXXX. I paid it off on XX/XX/XXXX. I did not realize I had a balance because they stopped sending me statements when the initial term ran out. They told me they would submit the lien release within five days. I have contacted them multiple times and they told me they can not find the title because the vehicle is old. I asked for a lien release to be done so that will trigger the DMV to send me the title and I am still being given the runaround. I called again last Wednesday, XX/XX/XXXX, and I was told that a manager would call me back. No-one has called me back. I want to get rid of the vehicle but can not do so without the title in my possession. The vehicle is currently in storage. I am at my wits end because I am not getting a straight answer from Hyundai Motor Finance about this issue. I received the paid in full letter yesterday, XX/XX/XXXX.
|
| 08/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Refinanced loan and sent payoff check to Kia Motor Finance Company in the amount of {$23000.00}. The loan amount the day of payoff check cashing ( XX/XX/2021 ) was {$23000.00} ( principle plus interest ), resulting in an overpayment of {$390.00}. As of XX/XX/2021 I still have not received a check for the overpayment from Kia Motor Finance.
Called on XX/XX/2021 to ensure the payoff check had been properly applied to account.
Called on XX/XX/2021 to inquire where the check for overpayment was, was told they were still processing it.
Called on XX/XX/2021 to inquire where the check for the overpayment amount was, sat on hold for 20 minutes with the representative and was disconnected.
Called for the second time on XX/XX/2021 to inquire where the check for the overpayment was and was told they could send an re-issue request however, that would result in an extra month to receive the overpayment check.
|
| 11/25/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX, a payment due for XX/XX/XXXX, in the amount of {$350.00} was submitted from one of my checking accounts, posted, then was reversed. The SAME DAY, I submitted another payment, in the amount of {$350.00} from a DIFFERENT checking account. The 2nd payment posted to my Hyundai account, reduced the principal balance, but the DUE DATE did not update. Hyundai has acknowledged there was a " glitch '', but failed to correct my due date. Hyundai opened a complaint, but no resolution has been made. The funds were deducted from my XXXX XXXX " XXXX checking '' account, trace ID # XXXX on XXXX. Per Hyundai 's own payment history, which they provided to me, my principal balance on XXXX was {$16000.00}, and after the XXXX payment posted, my principal balance was then {$15000.00}. I struggled to make two more payments in the month of XXXX to bring my account current, but my due date has still not been corrected.
|
| 12/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have an auto lease loan with KIA FINANCE AMERICA and my due date is every month the XXXX. On month of XXXX I missed my payment but intended to make the payment within few days.
I came across with FDCPA law in particular XXXX Harassment or abuse along with XXXX Harassing, oppressive, or abusive conduct where the dept collector may not contact consumer more than seven times within seven consecutive days.
During the period XX/XX/2023 to XX/XX/2023 the financial institution contacted me 14 times which is a violation of FDCPA section 806 ( 5 ) ( 15 U.S.C. 1692d ( 5 ). I am seeking compensation of {$1000.00} per violation base on 15 U.S. Code 1692k - Civil liability.
Attached you will find screenshots from my phone where the communications are circled. The financial company contacted regarding the same dept the other number on file with similar frequency.
thank you for your effort resolving this issue
|
| 07/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American, Servicemember |
|
I had a vehicle, a XXXX Kia Forte vehicle financed with Kia Finance USA that was involved in a total loss collision on XX/XX/XXXX, I notified them of this loss immediately and pre their request I continued to make the payments for XXXX and XXXX while waiting on the insurance settlement, GAP payment and refund of the Credit Life and Warranty. They received the payments, primary insurance in XXXX, and the remainder in XXXX. After receipt of their payments they informed me that they would send my balance within 45 days, on XX/XX/XXXX, I received a check for {$900.00}, that check should have been for XXXX, apparently they deducted for some kind of charge that was not made aware of to me, I believe they owe me more than the amount they sent me, I was on the phone with numerous departments there on XX/XX/XXXX and we could not resolve this problem. So I am going through your office in an effort to resolve it.
|
| 08/17/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I leased a Hyundai Elantra GT in XX/XX/XXXX with a maturity date of XX/XX/XXXX. I submitted full payment on XX/XX/XXXX and the required odometer disclosure statement shortly after. I started calling in XXXX once I noticed I never got the title. Customer service said oh sorry and that they would submit an " expedited request form '' and would come in 7-14 days. 3 weeks later I still have no title and call again. They constantly say that I have all the required documents and the car is paid off so they send an email to the title department to release my title. They say the title department will respond and they will leave a note on my account but everytime I call there's no update and they just send another email. It's now XX/XX/XXXX and I still have no title and today the customer service person sent yet another email to the title department after telling me I have all the required documents submitted.
|
| 04/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
My wife and I had a lease w/ Hyundai Motor company. After the lease was at term, we turned the vehicle into the dealership we purchased it from. Shortly after, the dealership contacted us and said that they had decided to purchase the vehicle for the amount left owing and we should not be due any further charges. We then received a bill XXXX XXXX for {$400.00} for disposal of the vehicle. I called and asked their Lease End dept. to ask what the charge was for and they said its just part of the contract and if I did n't pay it, they would charge it off and put it on my credit report. Im going to pay the bill but I think Hyundai is charging customers for something they are not incurring any costs for. How many other XXXX customers are being charged for the same thing? I would like for someone to look into this because i dont think its fair and I would like my money back without my credit being affected.
|
| 07/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.
|
| 08/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
|
| 09/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I lost my job in early XXXX due to the pandemic I struggled to make payments however I made them. Kia Motor Finance has refused to help when I finally spoke to them it took them over 4 weeks to send me documentation for the modification of the loan. Through no fault of Mines even though I contacted them before my payments showed late and due to their continued lack of urgency they sent all documentation late and have refused to help when they finally. Sent documentation I was over 30 days late due to their lack of trying. Then they continued to report me late even though we have a current agreement signed of my modification of the loan. This has impacted me negatively they arw charging me for late payments and reported late 's even though a fully executed modification agreement was signed on time.
I need help they will not assist nor answer in a timely manner. This is plain out consumer ripout.
|
| 05/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/2023 - a {$420.00} repo fee accessed to my account. I had no knowledge of the repo fee and it was never stated on my statement. Kia took my {$540.00} car payment and instead of applying my car payment to my principal balance and interest, they applied the money to an expense. I had no knowledge that any of this happened until I got online and looked deeper into my account because Kia was stating I was behind on my payment.
XXXX Kia charged me {$52.00} in late fees. I was late due to the fact that Kia took my {$540.00} dollar car payment that I made in XXXX and applied it to a fee that I was unaware of. So because no money of the {$540.00} went to my car payment, I accessed late fees.
I have gone to small claims court with Kia as the defendant. Kia could not explain the repo fee to the judge. Kia agreed that the repo fee was not stated on my statement I was awarded nothing by the judge.
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hyundai has ignored my request for validation.
Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.
The Notice of Sale when you put the vehicle up for auction. The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date. The original signed contact from the original creditor.
Effect of errors or omissions.
Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.
|
| 07/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
Hyundai XXXX Finance Title Problems : I have been waiting for over 2 months Hyundai XXXX finance release my title. I purchased my vehicle XXXXat the end of lease, confirmed they received the check full amount {$29000.00} of purchase price on XX/XX/2021 and sent the odometer by mail and email 3 times.
Also called the XXXX XXXX XXXXXXXX ( XXXX ) several time and received email from XXXX XXXXXXXX that they would be sent out the title 3-5 business days. No response!
XXXX XXXX told me that my odometer was not signed, not true, the other XXXX and XXXX says they have staffing problems etc. so many excuses.
They emailed me they forwarded my email to Lease Buy out Team, No Response!
I complained to my dealer at XXXX XXXXXXXX XXXX XXXX, No Response!
Hyundai XXXX doesn't care about customers once they finished the Lease.
Please help me to get the my Title release from Hyundai XXXX XXXX XXXX XXXX.
|
| 01/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
My account number with Hyundai for a lease of XXXX XXXX is : XXXX I paid a lot of money as my monthly payment as of sales tax and I was all the way regular in my payment. I returned the car with very good condition and I spoke to one of the repair people from a Hyundai Dealership and according to his feedback " The car was in very good condition '' but their inspector charged me {$180.00} dollar on minor issues and also they are charging another {$40.00} as a tax on the lease termination.
I spoke to their finance department multiple times and they were threatening me to report these amounts to the collection department and credit bureau.
I tried to speak to their manager and they didn't allow me to talk to their manager.
I tried to get the address so that I can file a federal complaint but didn't get sufficient help.
They behaved like thieves who want to take money out of peoples pocket.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
To whom it may concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus where I applied for credit with your organization. I do not recall granting you this authorization to review my credit report.
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain the necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
|
| 04/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a loan with Kia Motor Finance. I recently moved to Florida. In Florida, I need the title company needs to receive the title in order to process my new registration. I have requested it twice, most recently on XXXX XXXX . I have had the title tag agency fax it to the number provided by Kia. I have confirmed that the fax went through to the proper number provided by Kia. N either time I have submitted the form to provide my title information has it been sent to the title agency. According to Kia, the form has not been received ( althoug h I have proof it has been received by tem. I should not be held responsible for Kia losing my information as it is not my fault. I have been trying hard to get this accomplished and I am probably now in violation of Florida law for not registering my car in the proper amount of time. I do n't know what to do at this point. Please help me.
|
| 08/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American, Servicemember |
|
We purchased a new XXXX XXXX and made the regular monthly payments on time. With about one year 's payments left on the loan, we refinanced our home to obtain a lower rate mortgage, and the mortgage lender sent a payoff amount to Kia Finance.
They sent in too much money, as their payoff amount was never updated as we continued to make regular monthly payments while waiting for the loan to close. I have called Kia Finance numerous times to request a refund and am always told it is '' pending '' and never told why they have rejected the request. According to the phone calls, we are owed {$1200.00}. the phone calls to Kia 's customer service ( who always apologize for the delay ) were made on XX/XX/21, XXXX, XX/XX/21, XX/XX/21, and XX/XX/21. They always tell me it is in a different department that they email, but no one contacts us to say there is a problem or that the check is forthcoming.
|
| 06/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX, Kia Finance received a check from my car dealership and cashed the check on XX/XX/XXXX. The payment was not properly applied to my account until XX/XX/XXXX. The dealership overpaid my loan by {$700.00}. I called Kia Finance to determine when they would send me the refund amount. They told me to give them up to 30 days. I called back numerous time before and after the 30 days from XX/XX/XXXX ( which I believed should have been from XX/XX/XXXX when they received and cashed payment ) and was told that the refund is still pending. They can not answer why but it is. I called today and was told that I need wait 90 days. Kia Fianance keep extending the timeframe without explanation and reasoning. I received a letter over a month ago advising that my account was paid off and I do not owe Kia Finance any additional funds. Why are they still holding my refund for no apparent reason.
|
| 03/29/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
KMF USA has questionable practices regarding payment refunds from consumer/personal auto loan accounts. The lender is practicing deceptive acts by holding funds while still recording the funds released from the account balance. This is resulting in increased interest charges from the lender which is not an accurate or legitimate GAAP.
A payment refund request was received by their offices on XX/XX/2017, and they claim they complete all payment refunds in 7 business days. On XX/XX/2017, a loan officer informed me that they have just begun reviewing the request as of XX/XX/2017 and I would have to wait another 7 business days for a payment refund to be issued by paper check.
I have been given too much different and incorrect information from the team at KMF USA. I would like something to be done to make sure they establish a clear cut process and much more user friendly for customers.
|
| 08/03/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/XXXX I went to XXXX XXXX in XXXX, FL. When I got my car, nowhere was I informed about my right to recision and according to 15 U.S.C 1635 ( a ) I was supposed to be notified and my alleged contract doesn't state that, which makes this fraudulent. Also, the finance charge is supposed to be the sum of all charges, however, per this alleged contract, I was charged more, which is a violation of 15 U.S.C 1605. On top of all of the nonsense in the contract, Hyundai Capital America even repossessed my car, after I sent them a cease and desist and a affidavit of truth back in XXXX, XXXX which is a violation of 15 U.S.C 1692f by Hyundai using unfair practices.
I sent Hyundai Capital America yet another affidavit of truth that was received and signed on XX/XX/XXXX which has still gone unrebutted and unanswered, therefore this means my statement will stand as truth in the court of law.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I am writing to express my dissatisfaction with the inaccurate information present on my credit file reported by HYUNDAI CAPITAL AMERICA. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX PL, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures
|
| 02/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In 2016 my car was repossessed by Hyundai and sold for more than it was worth. They sent a check for the surplus amount. Months later Hyundai sent my account to collections for the amount of {$9100.00}. When they tried to collect the debt, they told me that it was for the repossession, storage and admin fees. However, when they report the debt, it was included in my original loan amount. Making it seem like I didnt pay {$9100.00} of my original car loan. I have asked Hyundai finance to send me the paperwork for the car sale and they have refused to do so. I have tried multiple times to remove this from my credit report and the bureaus will not remove it. This unfair collection has made it hard to do anything financially and they refuse to remove this debt from my credit report. They are continuously reporting the debt which is manipulating the date for it to fall of my credit report.
|
| 09/07/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day.
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated
|
| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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On XX/XX/XXXX, my wife and I ( XXXX and XXXX XXXX ) leased a new car from Kia Finance whose contact information follows : Primary : XXXX Alternate : XXXX Mail : Hyundai Motor Finance/KiaFinance America/XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Kia has overcharged me in the amount of {$240.00} in property tax fees. Initially the XXXX of XXXX overcharged me this amount due to a misclassification of our vehicle. But when it realized its mistake, it promptly reimbursed Kia Finance Personal property division for the overpayment.
Despite numerous phone calls and letters, Kia Finance has refused to reimburse us. Curiously it does not dispute our claim. Instead, it just keeps promising to pay us. It has been sitting on our money since XX/XX/XXXX, based on information we have received from the Commissioner of XXXX XXXX of XXXX Virginia.
XXXX and XXXX XXXX
|
| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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On XXXX XXXX I was in an accident my car was totaled in a flood. I called my insurance XXXX XXXX to report the accident and they informed me my insurance had been canceled after many phone calls XXXX realized this was an error on their part. I continued to make my payments from XX/XX/XXXX to XX/XX/XXXX I did not want to ruin my credit even though the car was no longer in my possession. XXXX paid Hyundai on XX/XX/XXXX {$13000.00} the gap insurance paid off the remaining balance on XXXX, XXXX my account was closed on XXXX I then received a collection alert from XXXX XXXX that I owed 2,330 I sent them a check for {$460.00}. I have spent hours with Hyundai and XXXX on the phone. I went to buy a car today XX/XX/XXXX I was told my credit was XXXX it dropped from XXXX I have not had a car since XXXX XXXX I cant afford a lawyer to fight XXXX and or Hyundai motor finance. Please help me.
|
| 11/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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My vehicle was refinanced and the original loan paid in full. My original loan was with Hyundai Finance. I called and cancelled my XXXX and my GAP coverage. I was stated that I would receive a check for {$2400.00} for the XXXX cancellation and {$720.00} for the GAP cancellation. I have received the check for the XXXX refund. I am having lots of problems with getting an answer to why my other refund has not been issued to me. Finance manager at Hyundai of XXXX, TX will not return my calls and I have left over 10 messages. I went once in person to have him assure me that he would see what the issue was and let me know. He himself stated that the refunds take about 30 days. Well its been over 60 and still no check has arrived. The cancellations dept for Hyundai Protection at the phone number XXXX has even sent an escalation letter to the finance department in XXXX and still nothing.
|
| 01/06/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I do not deny that I am usually late on my car payment however, I get phone calls on a daily basis starting the very first day the payment is due and it is n't just one call it is several calls per day and the the Finance company does n't leave a message. I have XXXX phone service and every call coming in or out is logged. My house phone also logged the call and is an answering machine. I have told the XXXX XXXX XXXX customer service people several times that this is a violation but their response was they are going by their company policy. I do n't think they care about consumer protection laws.
This has been going on since I purchased the vehicle almost 4 years ago. I get behind but I always catch up and for the most part I am usually only a week to 10 days late and I pay the late fee.
I think 1 call with a message would be sufficient but they see fit to continually harass me.
|
| 05/29/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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I was sold a vehicle that from day 1 had issues. I went into the dealership with specular credit and wasn't giving a choice to select a car. the sales man forced me into the vehicle he selected stating it was the best car for me. the vehicle has issues that are unsafe and can pose a threat not just to me but my family and on the roads as well. the car does this sudden jerking motion when the car is driving or even while idle. the car skips forward and causes your neck to whip lash. this can cause an issue as I can hit the person in front of me unless I have my foot on the brake and emergency break on while at a red light. this I every unsafe for my children and I need this issue resolved as I pay a lot of money on this vehicle and its a car with manufacturing issues when I've tried to speak at the dealer ship they say there's nothing they can do as the car was already sold to me.
|
| 11/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
I have a problem with XXXX XXXX on our final bill. When I turned the car in, it was in perfect shape. I've always leased my cars ( 45 years ) and always turned them in in great shape. I've never been told I owe any thing for ware and tear. I was told by XXXX that I owed {$510.00} for ware and tear. They said I had an accident and I would have to send them the repair bill. It was repaired by a reputable company, so I sent them copies of the repair paperwork. They told me if I sent them the paperwork they would adjust the final bill. They said it was to old and they wouldn't except it. I told them it was from when I had the accident, and they said it was to long ago. They sent me a letter stating they would accept a lower amount, which I declined. By that time they had already ruined my credit.
I not only don't owe the {$510.00}, I want my credit restored. It was XXXX before this.
|
| 10/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
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I paid off my auto loan from Hyundai Motor Finance and have been enquiring about the title which now lawfully should be turned over to me. I 've received a myriad of responses including they do n't have my title, they wo n't send me the title, they will send in 90+days, I should go get a duplicate from the DMV as they 'll never send me a title, I should get it from the dealership etc. All these calls are recorded by HMF so you can see what they are doing.
I believe I complained about their using incorrect credit scoring and over charging me interest so they are now retaliating with holding on to my paid off car title.
I just want my title as I 've paid the loan off and HMF is illegally giving me the run around. The DMV sent my licence plates and registration to the dealership who forwarded to me ... And HMF says they have n't even received the title from the DMV ... What a lie!
|
| 10/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2020 I filed a formal complaint with CFPB in regards to KIA Motor Finance. They inaccurately reported that my account my past due and delinquent, causing my credit score to drop 81 points. As mentioned on XX/XX/2020, KIA was in violation of the Fair Credit Reporting Act. I spoke with them in excess of 20 different times and each agent continuously told me that my account was in good standing.
I never received notification via email, phone or postal mail.
On XX/XX/2020 Kia responded stating that they have sent updates to the 3 major credit reporting agencies.
On XX/XX/2020 - XXXX stated that KIA has reported to them that the account the was 30-59 days past due and they are unable to honor my dispute.
I need to this corrected ASAP since I am in the middle of escrow on my first home purchase and I would like KIA to honor their word and do as they say they will do.
|
| 03/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Because XXXX finance charges me late fee without my knowledge XXXX monthly bills I received from XXXX didnt show late fee amount ), I called the company and spoke with their customer service agent. I asked them to send me all payment I made since I purchased my car. It took them about four months and several phone calls before they decided to send me a copy of all payment I made since I purchased my car.
When I looked at a history of my payment, I noticed that there are several {$19.00} late fees. I also notice that most of my payment was forwarded toward interest fees. Im not sure why.
When I called back and spoke with a customer agent, he also told me that a four percent late fee has been applied to my loan.
My questions to you : is it legal for XXXX finance to charge all these fees? What portion of my monthly payment XXXX is allowed to apply to interest vs. principal?
|
| 08/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Completed a lease with Hyundai Motor Finance ( HMF ) on a XXXX XXXX XXXX.
The vehicle was returned to the dealership on XX/XX/2020 - no damages were noted on the return of the vehicle.
This vehicle was original to have been returned on XX/XX/2020, however, Hyundai refused to accept the return due to space constraints at their dealership lots. Due to repeated calling, the vehicle was finally accepted for return on XX/XX/2020.
I am owed a {$1600.00} refund for my security deposit on the vehicle. I have spoken with HMF on several occasions, the agree this money is owed to me. I was told the refund would be issued within 3 weeks of the return of the vehicle.
HMF has not issued by refund and will not give me any timeline.
As of the writing of this letter, it has been 63 days since the return of my vehicle.
Hyundai has breached its lease agreement with me on multiple points.
|
| 10/25/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Turned in lease car in XXXX OF XXXX. Received letter and then repeated calls from XXXX XXXX XXXX on XXXX/XXXX/XXXX ... XXXX XXXX years later? They offered to settle bill of {$380.00} for {$300.00} ... not ... credit report would then show write off. Called XXXX XXXX and was first told no balance due. Then XXXX ... .their lease department said I owed {$380.00}. I asked them for what and requested a bill from them on XXXX XXXX, XXXX, have not received bill. Called them again on XXXX XXXX, XXXX requesting another bill and have not received a bill. I stated to them I would not pay a collection agency but would need a bill to pay them directly ... still no bill and in the meantime still receiving calls from XXXX. XXXX claims they sent out a bill in XXXX OF XXXX, DID N'T RECEIVE, why would they not send out another bill and then turn over to a collection agency XXXX XXXX YEARS LATER
|
| 05/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I traded in my XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. They sent the pay off of {$17000.00} to Kia Motor Finance which was applied to my account on XX/XX/XXXX. This payment actually over paid my loan balance which at the time was {$16000.00}. Kia Motor Finance now is holding over {$400.00} of my money as an over payment, and I have yet to receive it back from them. I have contacted Kia literally every day at different times of the day by phone, which I have not been able to reach anyone. Their phone system says no one is available and hangs up on you. I have also sent them messages through their " contact us '' email portal on their website and they have not responded to those email messaged as well.
I reached out to Kia via XXXX, by posting on their XXXX page and sending them a message to receive a message back from them saying that they can't help me and to CALL Kia.
|
| 12/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Prior to XX/XX/2019 this Account was never reported as a derogatory account. I made a payment in full XX/XX/2019 trying to obtain a Mortage I was notified best action would be to pay the {$510.00} owed on this account! After payment and 30 day cycle of credit this account shows up derogatory in a charge off status in which dropped my credit score substantially in XXXX! As of XX/XX/2019 Ive received another drop of 92 point via XXXX and 36 points via XXXX. This account debt has been paid in full since XX/XX/2019! As of XX/XX/2019 its reporting as charge off/ collection after payment to XXXX XXXX . As of XX/XX/2019 its reporting charged off to XXXX. As Of XX/XX/XXXX this account is reporting closed paid off balance updated XX/XX/2019 to XXXX! As you can see the inconsistency listed above the effects on my financial future is due to wrong reporting practices! Please correct!!!
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On my credit report after 3 years of account closed Hyunday Capital posted a charge off in the amount of {$430.00}, when asked why an attempt of collection, call or letter was never sent they couldn't provide me an answer, my address and information never changed in the last 5 years, they simply decided to post the charge off which is hurting my business and financial situation since I need to keep my credit is good standing for my business to run properly.
My complaint is to make sure they had a valid bill and use not only the legal but the right way to do so, I have no problem in paying if they can prove the fact they tried to reach me first instead of simply report in my credit without giving me a chance of even check if is a legit debt. This is arbitrary and is hurting me and my business.
I urge that such practice stop happening in the industry.
Sincerely, XXXX XXXX
|
| 05/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have had the lease on this new XXXX XXXX for two years in XXXX and have been notified that I had to make an extra amount added to my payment for personal property taxes, which I have sent to them. I received my personal property tax for my owned cars and thought, I wonder how much I am paying for the leased XXXX XXXX comparatively. I thought it was a bit high and wondered if I was getting the Virginia tax break that we all get.
So I called them and asked for a copy of the tax bill that XXXX county sent to them since I have leased the car. I had to call several times and finally had someone send me what I thought was the tax bills for the year and a half that I have leased the car. They only sent me the first half of 2019. I called them back and explained the situation and was told that they would contact the right department and have them send them to me, to no avail.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I filed for Chapter XXXX Bankruptcy last year, Case No XXXX. I did not sign the lease assumption agreement with Hyundai for my leased 2020 Hyundai XXXX. Hyundai has stopped reporting my payments since I have not signed the lease assumption agreement which has negatively affected my credit score.
As per 11 USC 524 Violation of Discharge Junction and 15 USC 1681 Violation of Fair Credit Reporting Act, Hyundai is required to report the fair and accurate account status to credit reporting agencies. They claim it is their company policy to not report account that do not sign lease assumption agreements, which is a violation of both of these laws.
My bankruptcy attorney attempted to resolve the issue with Hyundai, through both fax and email but Hyundai has refused to acknowledge receipt of written request, and will refuse to review the account made through telephonic request.
|
| 01/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We purchased a XXXX Hyundai XXXX on XX/XX/2020. It was financed through Hyundai Finance Company, loan XXXX.
We financed at 4.85 % an amount of {$18000.00}. Total of payments to be {$20000.00}. Our monthly payment per the Truth in Lending form is {$280.00}.
Since loan payment, Hyundai Finance has been charging us {$300.00} per month. I have called them now 3 times to dispute this and have it fixed, and each time Ive been told they are sending it to their rebooking group to fix as the paperwork they have also shows I should be paying {$280.00}. At this current rate I will overpay this loan by almost {$1000.00} if not corrected.
This is something that shouldve been corrected in XX/XX/2020 when I made my first call about this error. I have tried unsuccessfully to resolve with Hyundai Finance three times now, so I am seeking a more formal resolution through this process.
|
| 09/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
I was having {$380.00} a month taken out of my checking account by XXXX for a Kia loan. My last payment was for {$250.00} in XX/XX/2021. Kia took out {$380.00} but did not credit me with the {$120.00}. I thought I had stopped autopay so I had made a request of {$250.00} to go to Kia as the final payment. I did not realize I had not stopped the automatic payments. So with the {$120.00} that I should have been refunded and the {$250.00} payment I made through autopay, which I thought was the payoff, that adds up to {$380.00}. I called 3 different times and talked to XXXX, XXXX and XXXX. They all said I was wrong, nothing was owed me. My attorney sent a letter in XXXX requesting a refund. I called the week of the XXXX XXXX to Consumer Service to see why I have not heard from them. I was told Kia 's legal dept. had the letter and they would only correspond with my attorney.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Kia Motor Finance - XXXX is reporting a late to my credit file that is erroneous. I had just bought the vehicle and was waiting for my first bill to come in the mail but it never came. I didn't have any in formation like acount number or balance to call and pay. I called them to let them know i didn't know how to proceed and they helped me out. It was not my intention to be late i just had no idea i owed them anything yet. I have made my payments since then on time and plan to keep it that way. I'm requesting that Kia Motors remove this late my credit file. It is not my fault that i wasn't billed and don't think this late way my fault. Kia Motors failed to communicate with me in a timely manner because even after my payment was due i never received any letters, notices, or calls about being late or i would have paid it immediately to avoid this going on my credit file.
|
| 09/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
RE : Credit Account # XXXX To Whom It May Concern : Upon reviewing my XXXX, XXXX, and XXXX credit report, I observed that my auto account with Kia Financial is listed as a negative paid charge off entry.
In XX/XX/2020, I endured an abrupt loss of employment that was related to devastating financial hardships that the organization experienced resulting from the COVID-19 pandemic.
My account history indicates that the past due balance was paid as well as the resulting late fees. Further, the full payment has since been PAID IN FULL.
My purpose in writing is that I have encountered difficulties in securing financing from mortgage lenders, largely the result of a diminished XXXX score.
I respectfully request that you make a goodwill adjustment to delete the charge off collection entry from my credit file.
Thank you for your consideration.
Sincerely, XXXX XXXX
|
| 03/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I had a lease with Hyundai that ended in XX/XX/2019. I returned the car and everything was fine. I never heard from Hyundai again.. Then one day i get a phone call from a collector stating that i owe Hyundai {$430.00} for fees at the end of the lease. I immediately paid the amount they claim i owed. Then i went to apply for a mortgage and my credit score had dropped from an almost perfect 800+ score to a XXXX! I was extremely surprised and unaware why. When i looked into it, it was because Hyundai reported that i was 30 days late in XX/XX/2019, 60 days late in XX/XX/2019 and account Charged off in XX/XX/2019. I have NEVER been late on anything on my credit report EVER. Hyundai NEVER called me to let me know i was late or even owed them any money at all. I never got any bills in the mail from them either. This is not accurate information and is completely unacceptable.
|
| 01/18/2024 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Upon disputing the information with the creditor, HYUNDAI CAPITAL AMERICA, they provided a payment history document that includes details of another person with the name of XXXX XXXX. This erroneous document raises serious concerns about the accuracy of the information provided by the creditor.
Account Information : -Account Name : HYUNDAI CAPITAL AMERIC -Account Number : XXXX -Date Opened : XX/XX/2018 I am troubled by the fact that HYUNDAI CAPITAL AMERICA , can not guarantee the accuracy of the information they provided, as they mistakenly included the payment history of another individual. This oversight demonstrates a failure on the part of the creditor to provide precise and reliable information to the credit reporting bureaus.
I want to emphasize that the late payment dates reported on my credit file do not accurately reflect the resolution of the delinquency.
|
| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hello, Ive been having trouble acquiring the title to the Hyundai Motor Finance car that I paid off in XXXX. Summer of XXXX I was advised to send a check payable to Commissioner of Motor Vehicles.
I called back XX/XX/XXXX to follow up on status and was told the check was rejected as it should have been made out to NYS DMV.
XX/XX/XXXX I sent another check and followed up in XXXX and was told it was rejected because it should have been written out to Commissioner of Motor Vehicles. I explained that is why it was rejected the first time.
XX/XX/XXXX customer service advised me to request online and provided me the zip code in Tx directly. DMV confirmed transaction was sent.
XX/XX/XXXX I followed up again and was told I need to write a check all over again. I explained I have been doing this for 2 years now and getting no where.
Please can someone help me.
Thank you
|
| 04/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have a loan with Hyundai Motor Finance for a XXXX Hyundai. The loan became mature in XX/XX/XXXX, however because of financial difficulties through out the year, I had to have payments deferred to the back of the loan. I am now making those deferred payments each month, but the finance company calls demanding the payments in full which I can not do, I have to make one payment at a time and there is a contract signed with them showing this for me. I have told them not to call my home, but they call anyway. I am tired of explaining to them every time I speak with them that I have their permission to make singular payments, I do n't need to harassed by them when I am 2 weeks late with a payment. I 'm doing the best I can. I have a XXXX wife to care for and XXXX income to work with. This is outrageous that they use threats and bullying tactics to try to get their money.
|
| 03/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XXXX I received my Hyundai Lease statement to discover a Sales/Use Tax of {$16.00} billed to my account. I called Hyundai Lease and they could not explain why this sales tax was applied since my vehicle lease is now 2 years and 6 months old and will expire in XX/XX/XXXX.
I never received any documents to show a reason for this tax being applied to my account. My lease payment of {$220.00} monthly already includes any sales tax since my start of my lease.
I had a similar sales tax/use tax applied in XXXX of XXXX which led to a civil lawsuit filed with the XXXX XXXX XXXX XXXX, which the court awarded my the Sales Tax fee reversed and other fees paid my Hyundai Lease. A year later and the same circumstance is now occurring which again appeared that I will be forced to request assistance from the court again due to lack of customer service by Hyundai Motor lease.
|
| 12/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid my lease in full on XX/XX/18 and submitted the odometer statement on the same date. Hyundai representatives told me that if I paid online, I would have the title in five days.
I called them on XX/XX/18 ( 8 days ) to check the status of the title. They made a number of excuses about the delay, including that it took 10 days to process, and that they had an issue with the odometer statement. The 10 day period contradicted what they had told me before, and they were unable to explain what the issue was with the odometer statement that I had sent 8 days prior.
I called again on XX/XX/18 ( 14 days ) to check on the status again. Now they told me that the title had just been mailed, well after even their second promised deadline. Again they blamed the delay on the odometer statement, despite the fact that I had provided them the statement to them 14 days prior.
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX.
We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond.
Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.
|
| 02/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX 2015 I deferred my car payment through Hyundai Motor Finance ( or so I thought ). I faxed back the letter, like they asked and like I have before, only to get a statement in XXXX 2015 showing TWO months due. I called and spoke to a gentleman who apologized and said the deferment was never proccessed in XXXX but had no idea why. As a resolution he offered to defer XXXX 's payment too in which I accepted. I received the letter, faxed it back ( and brought a witness this time ) AND CALLED to confirm the fax was received. I was told it was currently processing. Now I paid my XXXX payment and here it is XXXX and they are threatening to repossess my vehicle. I feel that I did everything I was supposed to do as a customer and they are treating me unfair. My credit has been ruined showing I have late payments and it 's not even my fault! I am also reporting to XXXX.
|
| 02/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXXXXXX XXXX PAYMENT OF {$420.00}, WITH A CONFIRMATION NUMBER OF XXXX HAS BEEN RETURNED BY KIA MOTORS FINANCE.
PAYMENT WAS MADE XX/XX/XXXX VIA XXXX XXXX OWN PAYMENT PROCESSING SERVICE KNOWN AS " XXXX '' AND INCLUDES A FEE OF {$2.00} cents.
( PAYMENT WAS MADE FROM A PERSONAL CHECKING ACCOUNT ( XXXX ) OF XXXXXXXX XXXX ).
PAYMENT WAS RETURNED BECAUSE KIA MOTORS FINANCE HAS ADDED UNJUSTIFIABLE " LATE '' FEES THAT WERE NOT INCLUDED XXXXXXXX XXXX PAYMENT.
PLEASE SEE PHOTO OF MONEY ORDER MADE FOR XX/XX/XXXX, XXXX XXXX DAYS AFTER THE DUE DATE.
KIA MOTORS FINANCE CLAIMS THAT PAYMENT WAS RECEIVED AFTER THE XXXX DAY GRACE.
BUT THE DATE UPON THE MONEY ORDER XX/XX/22 IS WELL WITHIN THE " XXXX XXXX, '' WHICH WOULD BE THE XXXX OF EACH MONTH.
WHAT GOOD BUSINESS DOES THIS : TURNS DOWN HUNDREDS FOR A " FEE '' LESS THAN XXXX DOLLARS???
( SEEMS PETTY AND UNJUSTIFIED TO ME ).
|
| 05/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have/had a loan with Hyundai finance and gave them my information for them to take money out of my account and they would send me an email payment received. They never took the money out of the account never contacted me about a problem and just showed up and took the car and would not let me have it back. Said they called me told them I had no record on my call log then they said they do n't have to call and they sent a letter said I never received a letter. They said the email of payment processed meant nothing and it was my fault. Would not work with me and picks and chooses when they want to follow their rules. The problem was not me not able to make a payment the problem was they said payment processed and they never took the money, said bank refused the authorization of the payment but do n't know why. Called the bank and they said they never attempted it.
|
| 08/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The short version is that Hyundai will not send my title info to the DMV in TN. They keep saying they are rejecting it becasue they don't have the address ( they never tell me it has been rejected, they just say to call back sometime to check on it ), but the address has very clearly been sent to them 4 times this month ( they have acknowledged receiving other information in these emails however ). You can not speak to a title agent, only some largely clueless regular phone agent who they have not properly equipped to address these issues. This is the kind of nonsense that XXXX keeps getting knocked for, not sure how or why they make this so hard. The internet it full of these stories and I truly hope Hyundai starts getting sued and fined for this.
They sent an email detailing what they needed ; I copied it and replied with all of the information they requested.
|
| 06/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I've reached out to KIA Motor Finance several times to resolve this issue. My insurance company sent them a check for total {$10000.00} for total loss of the vehicle on XX/XX/12, the checked cleared on XX/XX/XXXX. I've attached a copy of the check for your review. KIA never applied the payment to my account. They still have not located the check, although, I've sent them a physical copy of the checking containing the date, signature, and addressee of the check. This money has never been applied, after following the same steps each week of faxing them all the required documentation of the payment. I pray that you all can help me, I worked so hard to improve my life by make strides in my credit, only to have it diminished by the company. I've done everything they've requested, including emailing and faxing the checked they cashed. Pleasd help resolve this matter.
|
| 09/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
Asked for removal of unauthorized Hard Inquiries on my XXXX file from : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX Hyundai Motor Finance Corp, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.
|
| 04/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I was purchasing a car under my XXXX and using a CD which required signatures of at least 2 members of the XXXX. We began the signing for the vehicle on XX/XX/11 after establishing a CD with a local bank on a property I was awarded from my my divorce, and because the car dealership was running behind the papers were not completely signed when I had to go to work. My signatures for the XXXX were collected. After I left for work the other member of the XXXX was there to complete the signing for the vehicle and added his personal name for registration and titling of the vehicle without my consent.
As the vehicle was now registered to the XXXX or ... .. I was compromised from my interest. The individual then registered car in his personal name when it was not in his place to do so and I was damaged. After the registration changed no one would give me information.
|
| 10/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/2020 On XX/XX/XXXX I received a phone call from Hyundia Motor Finance about billing, during the conversation I asked what is needed today to bring the account current, I also advised the customer service representative that I was very concerned about any late payment applied to my credit report. I was told if you make a payment today in the amount {$460.00} plus a processing of {$7.00} NOTHING will be reported to your credit report, she continued to say all calls are recorded as verification therefore, I agreed. A payment was made at the time of the call. ( Hyundai Motor Corp sent me a letter for payment confirmation ) Five days later I get a notice from all Reporting Agencies / Late payment ( s ) reported by Hyundai Motor Corp.
I followed up with Hyundai Motor Corp. with a letter addressing this issue, no response back, now they sent it to collections.
|
| 02/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
This is my second time filing a complaint with this Company.
The company did not issue the correct amount in the refund they sent out. The refund should have reflect the 19 months of XXXX XXXX time. ( XX/XX/XXXX- XX/XX/XXXX, when I paid off the car ) I spoke with someone from the company on XX/XX/XXXX still no update. I have been waiting on this refund since XXXX of XXXX. The company never applied the new APR to my account due to error in their system. ( Each time I called, this was the reason ) The monthly payment difference with the new APR rate was roughly {$78.00}. Therefore, the refund should be {$1400.00} ( $ XXXXx19 months ). My monthly payments were never adjusted on my statements either.
I did receive the {$430.00} refund, however, that was not the accurate amount. I have spoke with multiple representatives from this company and still no update.
|
| 05/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I leased a XXXX XXXX XXXX from XXXX XXXX, in XXXX XXXX, California, in XXXX of XXXX. I turned in the car early on the lease to XXXX XXXX XXXX in XXXX, California and leased a new XXXX XXXX. I was told by XXXX XXXX XXXX sales staff that my XXXX account with Hyundai Finance would be closed with the new lease.
It was not and my credit and my mothers credit has been ruined. XXXX XXXX XXXX was desperate to make this sale and lied to me accordingly.
I called Hyundai Finance on XX/XX/XXXX to try and resolve this. I spoke to XXXX, XXXX, XXXX, and XXXX XXXX. No one was willing to help me.
I filed disputes with the XXXX, XXXX, and XXXX. On XX/XX/XXXX, XXXX denied my dispute.
It is so wrong that my credit has been destroyed because of a misunderstanding or misrepresentation over {$160.00}. Please help me CFPB.
As for the public, do not trust XXXX XXXX XXXX.
|
| 05/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hyundai Motor Finance Company. The amount when first bill came was {$15000.00}. Payments are {$220.00} principal and interest. Every month for the last 14 months I have been paying {$300.00}. Which is {$73.00} over payment amount which was to go towards the principal of the loan. After a few payments I noticed the monthly amount was not changing like I thought it was suppose to. Called the company and I thought it was taken care of that the {$73.00} would now go towards the principal. This last payment I started adding things up and it still was not right. Call the company back again, they have been taking additional off the top of the {$73.00} and then applying the leftovers to the principal and then they tell me they can only go back 90 days to correct the problem and I have to call them every month to let them know to apply the {$73.00} to the principal.
|
| 11/11/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Simply, I returned a leased Kia to the Kia dealer at lease end and per the lease agreement, I purchased another Kia with the written, express, and implied statements that the {$410.00} disposition fee will be waived and the new Kia will be financed through KMF. The lease and recent correspondence from Kia ( KMF ) states that you have to PURCHASE or LEASE another Kia to waive the disposition fee-which I did. KMF and the dealer scammed me-denied me credit with a XXXX credit score and is now lying to XXXX claiming I have to lease another car only to get the fee waived. KMF is now billing me for {$410.00} for the disposition fee that I do not owe them. They refuse to finance me and will not waive the fee-this is fraud, scam, and violates my rights as a consumer. I do not owe the {$410.00} disposition and KMF does not have legal authority to demand me to pay it.
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Payment History Youve made 98 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 60-89 Days Late Worst Payment Status 60-89 Days Late Account Details Account status Closed Type Auto Loan Responsibility Joint Remarks ClosedYouve made 98 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX I was never late, I skipped payments with KIA/Hyundai approval . They reported XX/XX/XXXX and XX/XX/XXXX after I paid off my car in XX/XX/XXXX KIA FINANCE AMERICA XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Vehicle was involved in a Collison on or around XX/XX/2016. Car was covered under insurance ( XXXX ) through XX/XX/2016. Upon demand for payment by Hyundai Motor Finance ( HMF ) to XXXX in the amount of {$12000.00}, XXXX paid exact amount as requested by HMF to HMF. Check # XXXX ( {$12000.00} ). Car was fully covered by insurance, payment made ( and cleared, receipt sent to consumer ) in the amount requested by finance company, therefore nothing is owed. There is no bad debt, collections, or charge off ; account paid in FULL.
HMF and/or credit reporting agencies refuse to remove item from credit report as " HMF states the report is correct. '' This is deliberate and fraudulently reporting false info to credit agencies despite providing proof of payment from XXXX to HMF.
**Do you research and stay far away from HMF. This is a " thing '' apparently**
|
| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I had leased a Hyundai XX/XX/XXXX for three years. Paid all payments on time and took very good care of car. Lease ended XX/XX/XXXX. Returned and they asked me to take another car. I said I could not at this time because of health problems. I had XXXX for XXXX XXXX and have many medical bills. They checked my car found no problems, they gave me a paper for surrender dated XX/XX/XXXX. Just today I received a bill for XXXX. dollars for a disposition fee.They said it was in the contract which I had signed. They wanted the payment in 15 days. I explained my financial situation with medical bills and I could not pay. The girl I spoke with said this was in the contract I signed and wanted to know if my doctor said I could not drive. I said I could but I have many medical bills and could not take another car. Now I am upset and do not know how I can pay now.
|
| 01/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted Kia Motors Finance on XX/XX/2022 and I spoke with an associate named XXXX. This associate verbally agree to settle a debt based on a previous offer from a debt collection company. She instructed me to send her a copy of the settlement letter via email and provided her email address. She stated that once this was complete that she would call me to collect the settlement amount. I called her back on XXXX XXXX the new associate refused to transfer me to XXXX and the stated that they would not be settle the debt even though the previous associate had agreed. I asked why we could no longer settle for the previously agreed upon amount and I was told that a new supervisor did not approve it and they would not be honoring what the previous associate told me was a firm agreement. The associate refused to let me speak to the associate or to a XXXX.
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on these accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.
|
| 04/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
Lease acct XXXX Hyundai. This is a colossal nightmare. My lease is 3 months old, and for 3 months this has been a disaster. They originally took out 2 payments instead of 1. I finally got that figured out, the website and recordings are all completely incorrect and Hyundai told me not to pay attention to them. It got to the escalation department and I was told last month not to worry that everything had been corrected and that they would keep an eye on it. Today I got an email that my XXXX payment couldn't be processed as my bank info was incorrect, the same bank info that I gave to the escalation department, and they read back to me. Today I was forced to make a payment over the phone ( my account has been locked for website payments by them ). and had to pay {$47.00} dollars extra in fees and a late charge. I want this fixed and my {$47.00} back..
|
| 06/25/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2018 Text was sent with a phone number for Customer Representatives who claim to represent Hyundai, XXXX and XXXX vehicles with an attempt to collect a debt, however giving my my SS # upon request, they couldn't find anything pertaining to any debt. They requested to dig further until I halted the phone call to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX 's Finance Dept to find out more information about this and they had no clue about any debt collectors within the parameters of my SS # nor my phone number in which they informed me to contact XXXX XXXX which is the owner of the vehicle. Upon speaking with a Representative of XXXX XXXX, they didn't have any idea who this company was. XXXX XXXX documented it as a fraudulent attempt to obtain sensitive information.
The company in question is : " Customer Accounts '' XXXX- ( XXXX ) XXXX.
|
| 03/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My lease buyout payment with Kia Motor Finance/Hyundai Capital America was sent certified on XX/XX/23 and posted to my account on XX/XX/23 in the amount of {$18000.00}. I intend to sell my vehicle privately and have been delayed due to the poor service of KMF/HCA and a continued problem with releasing my title. I have been continually asked to submit an Odometer Disclosure Statement which I have now provided 5 times in total with XXXX resolution. I have spoke to three reps of KMF to get this resolved, including emailing the form directly to management whom assured me it would be posted within the hour. This did not happen. I have receipt of providing the form for two occasions. One for XX/XX/23 and one for XX/XX/23, attached. Remaining times Ive submitted the form were verbal receipts. I am losing resale value in my vehicle due to this negligence.
|
| 12/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Back in XXXX, I totaled my car. XXXX XXXX XXXX has done their part terminating the lease, paying the balance, and getting a Letter of Guarantee.
Despite this, after 2 months and about 8 calls to their customer service, Kia Motors Finance has still not closed my account with them or mailed out a check for the outstanding balance of {$1800.00}. I am also still receiving bills.
When I speak to customer service, they tell me that they're not sure why the account has not been closed. They have told me that there is normally an audit process that takes up to 30 days, but it has been 30 days as of XX/XX/XXXX. When I ask to speak to an auditor or somebody who can identify the issue, I am told they are " back office '' and can not be contacted. They then offer to email them which I have done and received no response or to send a letter via snail mail.
|
| 05/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I returned my lease to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2020. I turned in all the necessary paperwork showing that I had made the necessary adjustments/fixes to the vehicle and was returning it under the mileage agreement. I was told everything was all set and the return of the vehicle was complete. XX/XX/XXXX I received a letter stating I owed {$1200.00}, I was instructed to responded to that letter via email stating that all those charges had been paid in full. In XXXX, I sent an email to XXXX with proof of receipt for the fixes and payment. I'm in the process of purchasing a home, and it has been brought to my attention by my mortgage lender that XXXX has placed two late payment charges on my credit for XXXX and XXXX of XXXX. I'm stating that these charges are erroneous and should be removed off my record.
|
| 08/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
XX/XX/2022, filled out the Odometer Statement and uploaded to my account.
XXXX, talked with different XXXX representatives several times, to make sure they received the Odometer Statement and asked about the way to transfer the cash to fulfill the quote.
XX/XX/2022, transferred the first payment.
XX/XX/2022, transferred the second payment. The sum of the two payments make up the quoted amount. The transactions were confirmed by XXXX.
XXXX, called XXXX customer services and email lease and/or title department multiple times to follow up on the title transfer. I has been told that it would take 7 to 10 business days.
In sum, XXXX confirmed that the quoted payment has been paid in full on XX/XX/2022. They claimed it takes 7 to 10 business days for them to transfer the title to me. Yet I have not received any title as of today XX/XX/2022.
|
| 09/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hyundai XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with XXXX and Hyundai, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and Hyundai refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that Hyundai posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.
|
| 12/28/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
When looking for financing to buyout my vehicle at the end of the lease, I relied on the buyout quote from XXXX XXXX XXXX XXXX website that said that the buyout amount quoted " includes any sales tax ( if applicable ). '' I understood that to mean that any sales tax would be included in the buyout amount. In talking with the dealership from whom I purchased the vehicle, they confirmed my understanding In finalizing my financing, however, I learned that what was stated on the buyout quote is wrong, and that I would need to contact the XXXX XXXX. When I called a manager at XXXX XXXX XXXX to discuss the problem and how as a consumer, the language was not clear, I was told " too bad... we do n't want your advice ''. Now, with less than two weeks left, I have to redo all of my financing because I had not anticipated any sales tax in my budgeting.
|
| 06/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was a few months behind on my Kia Motors Finance Account. Kia agreed to a payment arrangement where I paid XXXX more each month until i was current. A week after the arrangement, they did not accept the first payment under the payment arrangement and had the vehicle illegally repossessed from my gated community. The repo agent broke the back gate and illegally removed the vehicle. Kia then sold the vehicle at auction below the reserve and added the difference to the balance on my account. They also added the cost of the repo which was excessive under Florida law. I have request information on several occasions to rectify this issue legally and Kia has not furnished any of the information to resolve this invalid negative item on my credit report. I want the item removed and Kia Motor Finance investigated for unfair abusive credit practices.
|
| 06/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX ( VIN # XXXX ) in XX/XX/XXXX. I never received the title. I spoke to Kia after the odometer paperwork was filled out and they said they sent it. Yet, I never received it.
I went to the DMV with the Bill of Sale and was informed they needed a title.
I contacted Kia again and they sent me a letter stating they no longer had an interest or title of the car.
I returned to the DMV and they informed me I still needed the title.
I contacted Kia again and they said I needed to request a duplicate title from the DMV.
I went to the dealership and they suggested asking Kia for a duplicate title or returning to the DMV.
I returned to the DMV and they said the title is still in Kia 's name so Kia needs to provide the title.
I am now one year in after paying nearly XXXX for a car and Kia has yet to provide me a title.
|
| 01/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I bought the car from Kia and they went through Kia Motors Finance. I have spoke with their company several times and I was originally advised on their recorded line that they would put two payments at the end of the loan. After several calls they changed it and I asked for a manger to review calls because this is a UDAAP violation. They would not, they would not return my calls. I continued to call for a manager. They put me on a DNC list and I didnt ask them too. Now my car was repoed due to being 59 days late. While trying to get it resolved I asked the rep if I was in danger of repossession and they stated no. The Repo company now charged me XXXX to get my belongings and stole some of my items out of the car. This must be fixed. If not I will seek a lawyer to have KMF pay for all this emotional stress and health issues they are causing.
|
| 09/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2022 we did a full payment to payoff the car XXXX ( XXXX ). As of XXXX the loan amount of XXXX is still on my credit report. I am trying to purchase a new vehicle for my daughter and the additional XXXX has lowered my credit report. Plus the fact that the loan amount is not dropping makes the XXXX think I am missing payments. I contacted Hyundai XX/XX/XXXX and they advised it would be fixed. New car has arrived and I will be purchasing on XX/XX/XXXX and it is till not fixed. I will now have a higher interest rate and have to pay additional cost. I have called Hyundai again and they say there is nothing they can do as the credit department only work from a XXXX XXXX XXXX I need the XXXX removed from my credit report and would like compensation for the additional cost that I have to pay due to non removal of loan from credit report.
|
| 07/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
On XX/XX/XXXX I leased a new XXXX XXXX XXXX XXXX replacing my existing Lease for a XXXX XXXX XXXX. With 2 payments left I agreed with the dealership XXXX XXXX in XXXX that I will take care of 1 payment and they will pay for the next one. Not eve 15 days ago we received a bill from Hyundai Motor Finance telling us that we owe XXXX. We are calling since then to contact some one in both Hyundai Motor Finance and XXXX XXXX. Today they finally answer at Hyundai Motor Finance and an agent named XXXX said that is nothing they can do. At this point they reported me to the credit bureauowhile I'm in the process of closing in a new home. These times with covid has been difficult and this company in specific is getting our business and doing this process all wrong.
This is no the first time it happens with them. Back in XXXX we had the same issue.
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I leased a Kia with Kia Motor Finance in 2017, the car was returned at the kia dealer XXXX years later and XXXX paid off the balance. They original said that there was a balance for wear and tear. They never sent me a final bill of the wear and tear in spite of my requests. This was all during the pandemic, I reached out to them many times and no answer. Now they are saying that it was an early lease termination which is also incorrect. I recently leased another Kia and it is finance through them and I had no problem getting approved. I have disputed this with the 3 bureaus and they are refusing to remove this negative rating which is affecting my credit and it is unfair and unethical of Kia. I have finance XXXX new cars after this and I have had no problem. I need you to please help me resolve this issue and have them correct their error
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
|
| 10/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
The Kia Finance department which was supposed to send my insurance company a letter of guarantee failed to do so. It took several months to obtain this information and during this inappropriate & unprofessional time period the loan accumulated monthly charges which the gap insurance refused to pay. These charges which would not of been accumulated if Kia Finance would of responded in the appropriate & Professional amount of time to the insurance company. I shouldn't be responsible for this failure by Kia Finance and therefore they should retract these fees from my credit report as they have never tried to settle this and the collection company can not. The whole matter was handled inappropriately & without Professional conduct. They do not return phonr calls and when I reported this to the Attorney General they produced false information.
|
| 11/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
We have a prominent national vehicle financing co. ( Hyundai Finance ), who calls us repeatedly over and over and over and over again, multiple times per day, and when we answer the phone nobody speaks or talks. They also call from phone numbers which often have no way to call them back on that same number.
When we answer, and if they do finally speak to us, they just keep asking for our name over and over again without telling us what the reason for the call or identifying themselves. When we finally get someone on the phone, they threaten to repose our vehicle, although we are only 1-2 months behind a payment.
We find this level of harassment and threats unnecessary, very rude and mean spirited. Do these companies not have any responsibility or consequences for this type of belligerence to their customers?
Consumers, XXXX and XXXX
|
| 08/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
|
I purchased a vehicle from Kia motors ( XXXX XXXX ) in XXXX, SC. In XXXX XXXX, I totaled the vehicle. I informed my insurance company ( XXXX ) regarding the accident. Together they paid Kia all of the remaining balance of the vehicle with the exception of approximately {$600.00}. After finding out that I had to pay the remaining money, I paid all except {$300.00}. I checked my credit report and was amazed to find that Kia Motors had my balance remaining at over {$21000.00}. They refused to remove it and put the correct balance on my report. I had been turned down for credit and did n't know why until I saw my report. I called Kia Motors and they refused to change my report until all my balance was paid. No one at Kia mentioned anything about deductibles, or that my credit would be impacted until all monies had been collected on my loan.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
In the Fall of XXXX, I learned through another dealer, that my XXXX XXXX that I bought new in XXXX had never been reported to any of the 3 credit agencies ( XXXX XXXX XXXXXXXX ). I financed the car through Hyundai Motor Finance. I have reached out to them several times through phone, email, and letter about the situation. They sent me a letter in XXXX of XXXX stating that they found the issue, it was their fault and the problem would be resolved within 60 days. The issue has not been resolved as of XX/XX/XXXX. I have tried to reach back out to Hyundai with no response. I'm stuck on what to do. I have since sold the car and paid the loan off. I am missing 4.5 years of good payment history and credit on my report because of the negligence of Hyundai Motor Finance. I am trying to see what my other options are on getting this taken are of.
|
| 08/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Late charges only are being reported to my credit. No payments, only late charges. The late charges also should not have been assessed. In good faith, I returned an extension agreement in XXXX2016 that Kia Motor Finance refuses to accept. It was received by mail after it expired. They refused to fax or email it to me so that I could return it in a timely manner. This was also after I had paid a fee for the extension. I do n't know where those funds went. In addition, they were asked to not make dialer calls to my cell, only manual. They changed my cell to a work number after a few months and continued to call me on a dialer. When asked to mark both mine and my husband 's work numbers as do not call, they refused to do his without speaking with him. I should be able to identify a do not call number whether it is mine or my husband 's.
|
| 03/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XXXX. I purchased my leased Kia K5 on XX/XX/2023 in the amount of {$26000.00} and have yet to receive my title after 30 days.
XXXX. XX/XX/2023 called kia finance in regards to payment and was told that the milage statement was not received. Uploaded mileage statement again through kia portal. And was told I owe {$1200.00} dollars. This was not on any document and was not confirmed.
XXXX. XX/XX/XXXX I have been told the lease has been paid in full but now a hold on my payment for the {$26000.00}. They also stated there is no way to communicate with any management team to find out my status of the situation. I will have to continue to call every 10 days to see if the work has been completed. No notes have been left after each call on my account. I have current calls recorded to protect me on receiving the title and any legal action.
|
| 09/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
HMFUSA has again improperly applied my payments. I called customer service and they said they have fixed it and it take 3-5 business days for the changes to apply. Once I logged back in, the problem was still there and there was an additional mis-handling of my latest payment.
HMFUSA has improperly applied every single one of my payments since XXXX. I have not had a statement since XXXX and payments are constantly either not applied, applied incorrectly, held until past due, or applied only towards interest when I request it be a regular payment or principal only ( additional funds are applied ).
This has gone on for 8 months. This company has not made a single proper payment has has not been properly correcting issues since XXXX. This is fraudulent. Every remedy I pursue with the company to correct issues ends up in a dead end.
|
| 11/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I got approved to have my XXXX payment added to end of loan and it was reported late on credit report, this is not correct. I have attached my payment history, XXXX was extended to end of loan there should not be a late. XXXX payment was made XX/XX/XXXX, XXXX payment was made in full XX/XX/XXXX with the additional fees that were on my account, XXXX was made XX/XX/XXXX. My payments are due the XXXX of each month. The payment being extended was reflected in the system because when I login the payment system it reflects how many days late. This has been a problem in the past when I have received a courtesy payment extension to the back of the loan-skip a payment they have reported it as late to credit bureaus and I have to dispute. They should have proper reporting or not offer the service if they are going to hit your credit in error.
|
| 11/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Initially, in XXXX of this year, I tried to be proactive and get help before falling behind ( separation, job circumstances ). No help was given at that time. I then fell behind and made payments as much as I could to catch up and requested from XXXX until now for an extension.
In XXXX I was told I could receive one if I made over XXXX dollars in one month. I was not able to do so.
I have since moved out of my apartment and into a smaller place to catch up.
Two different departments have told me two different things as far as catching up.
These people scream at you, don't take accountability for misinformation and threatned to reposses your car. It is so horrible to experience.
I am so disappointed in this company and how they treat their customers.
I've had no COVID help after almost a year of leasing to own this car.
|
| 08/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
As of XX/XX/19 my XXXX XXXX XXXX which Im financing, was repossessed from my parking lot at home without any notice, phone calls, etc ... I had personal items including checks and account banking information thats now stolen from Hyundai. I called and was given no options other than to make a large sum payment and a number to call the vendor. I felt threatened when speaking to the account managers and representatives. They told me to work for XXXX to make money and ask anyone I know for funds instead of working out payment options. It hasnt even been 90 days past due. They tell me random numbers or what needs to be paid and I feel like theyre a fraudulent dealership. They said my car was on hold the previous week and Still took my vehicle. I dont know what to do now. My information is exposed to strangers and Im currently panicking
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have loan with HYUNDAI CAPITAL AMERICA. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}
|
| 07/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My car loan is with Hyundai Motors. For the past 6 monthsin 2021 I have been over paying by about {$31.00} a month. I have asked them to apply the overage to my principle. After battling with them for over 3 months, they charge me late fees for which I do not owe. They have not applied the over payments to my principal but have credited to the interest, making extra money for themselves. Every week I am on the phone with them and no one seems to know what they are doing. I don't owe late fees but this is what they come up with after I have been over paying. My account now says I owe {$61.00} more than my care note is for no reason. They are trying to rip me off.
When covid hit, I got an extension and they approved it. Now they are trying to say I was late last year. If I was late, they would never have given me an extension.
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX Hyundia Capital Americ : Balance {$9300.00} Original Payment : {$41000.00} Account Charge off. {$38000.00} In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.
The following information is derogatory account allegations are UNTRUE, UNVERFIED, INCORRECT, UNTIMELY NOTPROVEN COMPLIANT 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681a ( 2 ) ( B ) reports containing information soley as to transactions or experiences between the consumer and the person making the report.
15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
|
| 05/25/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Since XX/XX/2023 I have been receiving multiple harassing calls and when I answer no one is on the other line and the line disconnects. After calling back and speaking with several people to identify why I am receiving these calls I was informed of three different balances that I allegedly owe and to date, no one has identified what amount is the true balance. I was also told I would have to call back to identify where this balance has come from. I also have not received any written documentation regarding this matter and was told several notices were sent out to the incorrect address since XX/XX/2023. I also want to include that my credit has now been impacted with negative and derogatory comments, this is an unfair and deceptive business practice as I have held multiple accounts with Hyundai and have never had this issue.
|
| 09/24/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX XXXX, my mother passed away. She was leasing a vehicle from Hyundai Motor Finance at the time of her death. In XXXX XXXX, I assumed the rest of the lease payments XXXX through XXXX XXXX ). I am currently trying to refinance my home and learned Hyundai Motor Finance reported to the credit reporting agencies that I had XXXX late payments for the leased vehicle in/around XXXX XXXX. This reporting is negatively affecting my credit and thus making it difficult to secure a loan based on stellar credit scores ( my credit is now XXXX w/ the perceived late payments ... normally XXXX ). Hyundai Motor Finance is telling me I assumed all the negative credit information that is associated with the lease prior to me assuming it. This type of reporting is clearly inaccurate and can not be correct. Please help with this. Thank you.
|
| 09/24/2020 |
No |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
We paid off my lease by trading in on a different car. We were positive equity on our lease and in fact, we were overpaid on the lease by several XXXX dollars. We traded the vehicle in on XX/XX/2020. The dealer paid off the lease and secured title.
We have been trying for the past 3 months to get our overpayment of several XXXX dollars back from Kia Motor Finance. Every call we have made except for 1, we get an automated message that they are to busy and to call back at a later time.
The 1 and only time we spoke to a real person, they said there in fact were 15 vouchers for us to get our money back, apparently one for each over payment we had. That was 6 weeks ago, and still no refunds.
We only want the money that was paid in excess of the lease, and feel that in 90 days, they should have been able to send our refund.
|
| 10/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2019 I was involved in a auto accident that totaled my vehicle as determined by my insurer XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Kia Finance was sent a letter notifying them that XXXX would be paying off the balance of the loan. Kia Finance sent me an email notifying me that I did not need to make further payments on the account. I called Kia Finance to discuss the email I had received and they assured me that no derogatory information would be sent to the credit bureaus during this process. It is now XX/XX/2019 and XXXX has not paid Kia Finance and Kia Finance has reported a late payment to the credit bureaus dropping my credit score from XXXX to XXXX. There consumer relations group is worthless in trying to resolve the problem. My next step is to file a Federal Fair Credit Reporting Act Lawsuit against Kia Finance.
|
| 08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Since XXXX of XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.
|
| 11/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
i purchased XXXX XXXXXXXX XXXX on XXXX XXXX XXXX couple weeks later, i moved to XXXX from XXXX XXXX since then ' i fiulled out XXXX different form and sent fax to hyundai finance for state to state title transferring. and hyundai said different lies since then. 1-we haven't received your title request from capital hyundai ( which i sent them twice ) 2-oh sorry, we lost your title transfer from 3-i see that your title is on XXXX and on your way home, congrats 4-we can not reach out to XXXX dmv, it's their fault..
when i finally reached out to supervisor of XXXX dmv, she said that she already sent copy of my title to hyundai on XX/XX/XXXX.
i have been driving expired title since XXXX XXXX and right now it's XX/XX/XXXX XXXX i financed my car through hyundai finance and pay it every month same day. i need a solution
|
| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
since XXXX 2019 Kia finance has been reporting me to the credit bureau as 30-60 days late, I admit that my payments are made after the due date due my hours being cut but never 30 days they are trying to use the late fee as the whole payment being late, I have try to change my due date to avoid these fees, when I make my payments I pay more than the amount of my car payment try to take care of the late fees, I have never heard of a company reporting late because of the late fees its not fair and its messing up my credit I ask them to send me a copy of all my payment and everytime I call they says its in the mail but after months and still haven't receive that's because they knpw that I have never went past 30 but again was late, so everytime that I make a payment I add a little extra to get the late fees taken care of.
|
| 03/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off this car XX/XX/2022.
They told me that title sent to me, but i never received the title.
So I was speak with XXXX who is supervisor in customer service dept.
They gave me 2 options for my re-issue title.
first one is that I need to send the duplicate title request via only mail.
I sent the mail to right address they provide me, but they said didn't received.
So I was trying to follow second option for get a lien release document to bring local DMV, but they didn't accept that letter to issue the title.
Hyundai Motors finance told me that I need to sent them payable check for duplicate title fee with trackable mail, they not gon na pay for it. Is this my responsibility?
They took my money, but the car is still their own and their customer service is too lazy and slow.
Hyundai motors finance is XXXX.
|
| 01/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I leased a vehicle with Hyundai XXXX in the amount of XXXX. The vehicle was deemed a lemon and almost cause me and my family to be in a deadly accident due to the vehicle shutting down without any type of warning. I volunteerly surrendered the vehicle and reported it to the XXXX XXXX XXXX where I had an unfair hearing due to Hyundai sending a retired employee that was no longer employed by Hyundai. I uploaded the proof with XXXX on XX/XX/2020 from Hyundais mechanics to prove that there was in fact an issue with the leased vehicle and I received a reply today stating the account information was updated. How can there be an investigation with a couple of days and not 30 days to fully investigate the information? The debt is past the 7 year statue of limitations and it needs to be removed from all three credit reports.
|
| 07/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX is reporting 2 late payments XX/XX/18 & XX/XX/18 on my credit after the loan was paid off. My car was totaled and was a full pay off the end of XX/XX/2018.
I paid my deductible and then XXXX paid off the XXXX loan. XXXX left a {$500.00} balance on there which I was never notified. SO I got the 2 late payments and it is not my fault.
I have disputed this and XXXX said it is for the Deductible I needed to pay. WELL I had already paid that in XX/XX/XXXX!!! SO they made me pay them again! SO I paid 2 {$500.00} deductibles!
I have proof I paid the deductible as advised and proof the car was paid off back in XX/XX/XXXX. There should be NO late payments on my credit this year and I need them removed.
They are in violation of the FCRA and the Debt Collection Practices Act,.
I have already contacted my attorney,
|
| 05/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The automobile was paid off from my bank via electronic transfer on XX/XX/XXXX in the amount of {$17000.00}.
I contacted XXXX on XXXX and was told that my title was sent to a dealership called XXXX XXXX in XXXX which I have NO affiliation with. They offered me no explanation as to why this was done except, it was a dealer payoff. I told them it was NOT and they needed to resolve the title issue and send the title to me.
I contacted XXXX again on XX/XX/XXXX. I was told that they would not send me a release of lien nor the title because the bank needed to send them proof they paid off the car although they received the payment and it was applied to my account. I faxed them a letter from my bank but I'm concerned that this will not get resolved given the number of other consumer reports of issues for the same thing.
|
| 09/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I have purchased my vehicle in XX/XX/XXXX and financed it through XXXX XXXX XXXX. In XXXX of XXXX, I have completely paid off my loan. Since I did not get my title after paying off the loan, I contacted Hyundai in XX/XX/XXXX and asked to release my lien with XXXX XXXX and send me a letter confirming that my loan is paid off. I did not get any confirmation letter.
At the end of XX/XX/XXXX I have decided to sell my car and contacted XXXX XXXX department to get my title. At that time I have discovered that the lien on my vehicle is still not released. After 5 calls to Hyundai and almost 9 month after paying off my loan, I still can not get my title. XXXX XXXX does not accept paper proof that I was able to get from Hyundai that my loan is paid off and Hyundai is failing to release my lien electronically.
Please help.
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| 04/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have contacted Kia motor finance three times about getting the title for my XXXX Kia XXXX that I paid off in XX/XX/XXXX. Kia initially attempted to mail it to the XXXX DMV but it was returned to Kia by XXXX due to an incorrect address. KIA has been in possession of my title since it was returned to them by XXXX on XXXX XX/XX/XXXX. Each time I call to request it to be resent directly to me I am told they will submit the request to their title department and to call back in 5 business days. I have spoken to two supervisors and they also say that is all I can do. No one in their customer service department will assist further or connect me with someone who can help. I am at a loss as to what to do next. I need the title to be able to register my car in XXXX This is preventing me from being able to earn an income.
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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XXXX is not accurately reporting my payment history with the account that is reporting on my credit report under 15 USC 1681 ( e ) b Compliance Procedures XXXX is knowingly reporting a late payment falsely according to the class action lawsuit brought upon them by the CFPB and it has been affecting my credit. The lawsuit states that they admitted they were falsely reporting late payments on peoples credit report. How do you guys sleep at night, knowing you've affected peoples lives?
The Company really did people wrong and messed with my livelihood. I will not stop until I get my specified remedy.
" The CFPB also claimed XXXX knew it provided inaccurate information yet took years to take reasonable measures to address the problems '' XXXX This is crazy to me and makes me angry to know you knew.
https : XXXX
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| 02/10/2022 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX was totaled on XX/XX/XXXX. According to XXXX, they acquired the vehicle on the XXXX of XXXX and sent funds to Hyundai Motor Finance in XXXX of XXXX. XXXX didnt accept the funds until XX/XX/XXXX which led to a per diem amount that needed to be paid off of & 188. I was not informed of that smoking and the insurance company sent the correct amount to XXXX. However, XXXX not accepting the funds for two months left a remaining balance that I was not aware of. Information was not sent to the correct address and I was not informed via email nor telephone. I now have a charge off of an auto loan on my credit which is stopping me from buying a house. I need this resolved immediately. Please help. XXXX as well could be involved with blame, as the amount for the car was more than what I owed on the vehicle.
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| 01/07/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I had leased a Hyundai XXXX XXXX in XXXX and lease ended on XX/XX/XXXX. I had mailed in a cashiers check in full to buy the lease on XX/XX/XXXX via USPS. The payment was posted on my account in Hyundai Motor Finance. I have not received the title till date ( XX/XX/XXXX ) and when I had called Hyundai motor finance customer service, they mentioned they had mailed the title on XX/XX/XXXX via regular USPS mail service. They are not providing any tracking or proof of shipment.
Now they are mentioning if I did not receive it, I need to apply for a duplicate title, fill paper work and pay the DMV fee for duplicate title.
I do not understand why wouldn't Hyundai provide proof of shipment and I strongly believe the onus is on them to ensure the title reached me and not harass me into applying for a duplicate title.
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| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX of 2018 I had a car that was repossessed. I was never given my license plate or registration back. Later I receive a toll tag bill with the same license. I also paid for MMP maintenance coverage and gap Insurance that was never prorated and reimbursed to the account. A year and a half later I go to apply for a job only to be denied the job because it shows a balance on my credit report even though I was told after the repossession that the Lien was satisfied. I was told whenever their is a repossession you are suppose to be given a chance to receive your belongings as well as your license plate tags and registration. I was able to retrieve my belongings but not my tags and registration. I also was not informed on when the bidding for the car toook place which would have given me a chance to buy it back.
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| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Kia Finance America is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and Kia directly and have not reached a resolution. I sent a letter to Kia Finance requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How is it that they are able to validate this inaccurate account on my reports but ignore my dispute request? It is illegal to ignore a dispute request as well as to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!
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| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Older American |
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I filed a complaint on XX/XX/XXXX file # XXXX, However it's been more than 30 days and this is not making sense. According to the Law 15 U>S> Code 1681, Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency directly or indirectly through a reseller of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30 days period beginning on the date on which the agency receives the notice filed with CFPD via the consumer.
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| 10/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I originally, purchased a XXXX XXXX XXXX to XXXX XXXX XXXX dealership/rep. was XXXX ( email att. ) leased thru XXXX XXXX XXXX. Months after I returned the XXXX vehicle and got a new lease at same dealer for a XXXX XXXX XXXX XXXX in XX/XX/XXXX, I started getting billed for the first lease charge of approx. {$2000.00} ( see att. ). In XX/XX/XXXX, I filed bankruptcy but continued to pay my XXXX new vehicle lease. I have called XXXX on many occasions to correct payments from being applied to the XXXX account instead of XXXX and also missing payment not accounted for via email ( copy att. ) without response. They will not provide me required info because of my status, but have sent me an illegible statement of payments and incorrect two statement thus far, this has been ongoing now since before the BK was filed.
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| 04/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Older American |
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On XXXX, i requested a 10 day payoff figure from Hyundai finance for my automobile. A week later, having received no response, i contacted them again. On both occasions, they requested the last four digits of my SS # as well as my birth date to ensure I was the correct party. Instead, they sent me a secured message that provided me with the information for XXXX XXXX XXXX XXXX of XXXX XXXX, Ca.First, this is an unauthorized disclosure to me by Hyundai ; but, now I wonder whether or not they in fact sent my information to some other party making for another disclosure.
The amazing part is they also asked for my e-mail. So, i do not comprehend how they made such a foul up.
After receiving this incorrect information, I did call again and ask for a supervisor who really didn't seem concerned that this occurred.
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| 08/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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To whom it may concern, We customers ( XXXX & XXXX XXXX ) are writing to make a complaints for Hyundai XXXX in XXXX XXXX at that time XXXX XXXX we paid down-payment {$1200.00} and was approved after tried at least 5 different running our credit. At that time was {$580.00} a month all different kinds of perks but over the cost of time .When we paid {$18000.00} all together but we was missing 3 payments the car was repossessed IN XX/XX/XXXX STARTING WAS 11 MILES AND CONTRACT TERMS WAS3 YEARS/45,000 Miles. Sold at auction {$10000.00} also yet to remind you the car suppose to be brand New XXXX Hyundai XXXX .We learn their was 3 Recall on car. It's on credit report.DECEPTIVE PRACTICE ( Bad practices ) We like to sue for {$18000.00}. Vin # XXXX Please help us soon as possible.i will send documents soon.
Thank you
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| 10/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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My XXXX XXXX credit score with all 3 major credit agencies on XX/XX/XXXX was around 810. I understand companies can use different models and the score can differ slightly - slightly being the key word. When I financed my application for loan with Hyundai Motor Finance on XX/XX/XXXX, they used a score of around 769 for me. That score of almost 50 points lower is ridiculous and would have caused me to get a significantly higher APR. Such unethical practices must harm so many customers who trust Hyundai 's name. Such a big score difference for a person with an otherwise excellent credit history can be damaging financially, but for someone with moderately good credit, it could result in predatory terms of loan or rejection of credit altogether, which could be a fair lending concern for persons of XXXX like me.
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| 01/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My lease was up in XXXX and I decided to purchase the 2020 Hyundai XXXX. I sent the check to Hyundai on XX/XX/XXXX ( {$12000.00} ) and they cashed the check on XX/XX/XXXX. They sent the title in approximately XXXX XXXX later but failed to send the lean release. I can not register the car in my name until I receive this release. I have been in contact with Hyundai Finance for over a XXXX now and XXXX XXXX I'm told its being processed and will be mailed in XXXX XXXX XXXX XXXX. I call again, and am told it will be mailed tomorrow and I'll get it in XXXX XXXX XXXX XXXX. This has been going on for XXXXXXXX XXXX and still can't get an answer when I receive the lean release. I don't know where else to go to get help. AT this point i'm ready to get my lawyer involved. Any help you can give me would be appreciated.
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| 05/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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Company is XXXX XXXX. Account number is XXXX.
XXXX on vehicle ended XX/XX/2021. I sent a check for {$31000.00} to XXXX XXXX to buy the car. They cashed the check XX/XX/XXXX. I have yet to receive the title. Have called numerous times, and been told they have not received the needed signed bill of sale and odometer statement. I have sent these documents now at least five different times, via fax, email, and certified US Mail. I have received email confirmations from them that they received the documents, or fax confirmation, or USPS proof of delivery. They continue to tell me they never received any of the documents, which is obviously false.
They need to either send me the title immediately, or refund my money and take the car back.
They are maddening to deal with.
I hope you can help with this matter.
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| 07/29/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I have attempted since XXXX of this year to rectify a payment/ property tax issue. I paid my property tax on my current lease and the money was put onto an old lease that I hadn't had for two and half years. In XXXX Kia Finance showed I owed the property tax on my current lease. I tried to get them to transfer the funds from the old closed out account to the new one. They have not done it. And also, it showed on one of my statements that the amount owed was past due, which is was not because it was paid and put on the wrong account. For fear of the " past due '' amount going to collections I paid it. So, I've paid my property tax twice. They continue to tell me I will be getting a refund for the overpayment but will not send the money. This has gone on for months with them telling me I will get a refund.
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| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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On XX/XX/XXXX I paid off my new car loan with Kia Motors Finance with a {$2000.00} overpayment. Kia Finance acknowledged receipt of the {$2000.00} overpayment. Since that date I have called them on at least 20 occasions, each time I get a completely different story. On XX/XX/XXXX I was told the check was in the mail and was given a tracking number, but never received a check. I never received the check and when I called I was told it was never mailed out. In XXXX I was told I had to prove I made the {$2000.00} overpayment. I e-mailed the electronic statement from my back to Kia Finance showing the {$2000.00} payment. On XX/XX/XXXX I was told the refund was approved and when I called today, XX/XX/XXXX, I was told it had not been approved. Kia Motor Finance, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX
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| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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XXXX TO : CFPB RE : Complaint XXXX to Present Date Update ALL Credit Bureaus to Reflect Account Paid in Full/ Not a Charge Off-Restore My Good Name XXXX.
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / New Vehicle ( AKA The chain of Names has changed : XXXX XXXX XXXX, KIA Finance America, and XXXX XXXX in my credit bureaus without advising me as a consumer ) XXXX.
XXXX XXXX XXXX Total Vehicle Loss / Car Accident XXXX XXXX Paid in Ful Total Loss Claim {$20000.00} Check # XXXX PAID IN FULL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX.
Credit Bureaus were never updated to reflect paid in full account as closed Paid in good standing.
The account errors to date reflect charged off closed account worst payment status, shows last payment XXXX. Balance owing {$2400.00} in XXXX and XXXX XXXX.
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| 03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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During the 2020 Pandemic I had lost my job and I was struggling to pay my bills I called Hyundai Motor Finance and I was granted to have my account placed on a forbearance period in order not to have my account reported as late payments. - I was told I could pay over time at the end of the loan the 3 payments I was struggling to make in timely manner That was promised to me over the phone by the Customer representative that I called 3 times - instead I then discovered that my Account is been reported late for 3 times on contrary of what was promised to me by the Hyundai Motor Finance Rep.
I paid always on time for 6 years my car loan - never a late payment besides the issue during the pandemic - I then successfully closed the account at the end of the Loan and no money are due to Hyundai Motor Finance
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| 04/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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XXXX XXXXe keep calling and trying to get money from clients other then car loans my car was repo I had got the vehicle back but they trying to charge me for a repo fee when I had to pay a repo fee in order to get the car back. They always calling in my consumer laws it states 15 U.S. Code 1692g - Validation of debts and as well as 15 U.S. Code 1692d - Harassment or abuse. Violates are rights in regards to the company and not only that 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Notice that Pursuant to 15 U.S. Code 1635 ( b ). In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$3500.00} } was needed in order to drive off of the lot. Pursuant to 15 usc 1605 a finance charge is the sum of all charges.
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| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Hyundai Motor Finance charged my wife and I for a personal property tax and late payment fees on our leased XXXX XXXX XXXX without informing us of the tax charge. We are on autopay and pay our bills timely each month. We were never informed that there was an outstanding personal property tax charge or associated late fees.
Today, XX/XX/2020, we learned that our credit scores were destroyed by Hyundai, which claimed to the credit bureaus that the personal property tax and late fees were delinquent. We were never made aware of the situation, via email, phone call, or regular mail. In fact, we only receive monthly emails that our autopay payment has been received.
We reached out to Hyundai Motor Finance today to no avail. We will not be doing any further business with Hyundai when this lease is over.
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| 10/31/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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|
Web |
Servicemember |
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had vehicle repaired around late XXXX didn't get my car back till about XX/XX/XXXX. was told they would reimburse me later ... at end of lease called Hyundai asked how much do I owe total ... I paid the amount that I was told paid over the phone .... I brought my car in on that Saturday they said they didn't have anyone to take car for that day could I bring it back that Monday I did that ... then I called about about my reimbursement ... I was informed that it was to late because vehicle was returned ... then I received a call stating I owed money for not buying another car from them ..I explained I was never informed about that ... and I had paid for everything in total and had already turned the car in ... .. I never was late or missed a payment ... they been messing my credit report ever since ...
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| 01/30/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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- Problem with customer service
|
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Web |
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In order to pay off an auto loan balance, I mailed a bank check for {$28000.00} on XX/XX/XXXX. The check had not cleared or been shown on my loan balance as having been received, so I made additional payments in order to keep the next automatic withdrawal from occurring, assuming the check had been lost. I sent three separate online banking payments, one of {$10000.00} onXX/XX/XXXX, one of {$9000.00} on XX/XX/XXXX and one of {$9400.00} on XX/XX/XXXX. This morning, the original check of {$28000.00} cleared my checking account. I immediately contacted Hyundai finance, they acknowledge they had received double payment, and said that it would be 15 business days before the refund would be issued by snail mail. It seems a direct wire or bank transfer is the proper way to handle a refund of this magnitude.
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| 04/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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HYUNDAI, THIS IS MY LAST AND FINAL REQUEST FOR YOUR COMPANY TO PROVIDE ME WITH THE CORRECT DOCUMENTATION I AM REQUESTING THIS IS THE SECOND TIME YOUR COMPANY HAVE SENT THE CONTRACT WHEN WE HAVE REQUESTED A COPY OF THE APPLICATION THAT WAS SUBMTTED FOR APPROVAL AND FINANCING THAT WAS FILLED OUT AT THE DEALERSHIP AND SUBMITTED TOY HYUNDAI THAT SHOWS XXXX XXXX MONTHLY INCOME EACH TIME YOUR COMPANY HAS SENT THE CONTRACT. WE NEED THE APPLICATION FOR SOME REASON HYUNDAI AND XXXX HYUNDAI HAVE BEEN DODGING NOT SENDING THAT APPLICATION FOR CREDIT, IF WE DONT GET A COPY OF THE APPLICATION I WILL ASK THE STATE ATTORNEY GENERAL TO STEP IN AND ASSSIT. FOR SOME REASON NEITHER PARTY WANT THAT APPLICATION REVEALED. THIS IS OUR LAST REQUEST TO ASK FOR A COPY OF THE APPLICATION, APPLICATION, APPLICATION, NOT CONTRACT.
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| 05/10/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I had Financing 2017 Hyundai XXXX with Hyundai motor finance since XX/XX/XXXX I had auto pay from my Debit card they cat every months so do Car accident in date if XX/XX/XXXX so my car be Total loss Insurance company pay off my car I had stall to pay for Hyundai motor finance around XXXX $ to be pay off but I had Gap insurance I had contact with Gap insurance they say okay whe pay that amount so the Hyundai stop my auto pay from my account Wait out my promotion so the The Gap insurance doesnt pay anything so I was in vacation Out of country when I came back I hair that Gap And insurance doesnt pay anything Contact with Hyundai motor finance I pay off amount off {$2700.00} so I dont know why they put my credit to Collection agency right now my credit is going down I want to fix my credit again please
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| 09/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
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When reviewing my credit report from XXXX XXXX I saw an account for a car lease from Hyundai Motor Financing that I did NOT open. I called the company and asked them to confirm if it was opened using my social security number and they confirmed. I created a case and send them by mail a letter with supporting information to remove that account from my records.
The company has the account under a similar name but the middle name is different, this information I got it from the automated phone system when I called to inquire about the case I called the company twice asking for additional information but they have denied giving me more information because they said that's their policy when the account is under investigation.
The account is still under my name, and the company hasn't reached out to me
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| 08/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
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i traded my lease to purchase a new car back in 2017,,, before anything could happen i had dealership pay off my lease,,, so i called hyundai capitol of america who had my lease and requested the payoff and the dealership paid it in a check...
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it...
on my experian credit report is showing i paid this lease 8 months late, so i disputed this with experian saying i never paid 8 months and sent a copy of check dealership sent hyundai...
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!
i have disputed this on this site 2 other times, when will this be behind me after all these years!!!
thx
|
| 05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX XXXX and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXXs online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.
Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, KIA MTR FIN XXXX XXXX Opened : XX/XX/2017 Balance : {$420.00}
|
| 03/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX - Account # XXXX.
Newly acquired lease was obtained in XX/XX/2020 at the start of the COVID19 pandemic. We were forced to close our XXXX on XX/XX/2020. I had reached out to to XXXX to request to be enrolled in the COVID relief program that was offered. I was told that we missed the requirement by 1 day. Vehicle needed to be purchased After XX/XX/2020 to qualify for a 6 month freeze.
We then agreed to have payments deffered which was approved starting in XX/XX/2020.
XXXX payment was not honored. XXXX payment was honored. XXXX payment was not honored. Account was then paid and brought up to date.
Credit report is now showing derogatory payments of 60 days late due to this.
Payments have been made on time for the entire length of the lease prior and has currently had no missed payments
|
| 07/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I was in a car accident which resulted in total loss of the vehicle, my primary insurance paid their portion to Kia Financial which left a balance remaining balance for my gap to cover. The gap insurance is requiring certain documents from kia financial, I have tried multiple times to obtain these documents from kia financial with no luck. Kia continues to send me partial documents and each time I call its a 2-3 da y turn around. I was previously instructed by kia to not make my payment which would result in no late fees or interest and adverse credit reporting. My payment functionality was removed from the website and based off my result today my account has been referred to recovery. Again I called today and I was assured that I would not accrue late fees or or interest and no credit reporting.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed a XXXX XXXX XXXX petition on XX/XX/2023. The XXXX account is part of my XXXX XXXX XXXX. This company keeps reporting inaccurate information of late payments to my XXXX credit bureau from XXXX, XXXX. The XXXX was XXXX in XX/XX/2023. I have produced the XXXX XXXX information and Recission document which shows XXXX is included in the XXXX. The late payments should be removed, and it showed show on my end XXXX XXXX. The XXXX rep said he could see from his end that the file does indicate a XXXX XXXX XXXX for this account. However, when I pull the report it shows with past due payments from XXXX until current with a balance owing. I have tried several attempts in speaking with XXXX collections and XXXX department with no success. The other XXXX reports are updated according at XXXX and XXXX.
|
| 05/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hyundai Auto Finance does not give borrowers an opportunity to make a principal only payment. The one time I was able to get through to someone, they told me I had to call each time I wanted to make a principal only payment. I have tried to call several times since then, but I could not reach a person. Each time I waited >90minutes in the queue but had to hang up to return to work. I dont know many people who can stay on the phone for 2 hours waiting to be served.
Making borrowers wait hours to get someone on the phone to make a principal only payment, seems like an attempt to discourage early payoff. They statements don't include an area to indicate a principal only payment, nor does their website. Auto sales and finance should be regulated like the mortgage industry.
https : //www.hmfusa.com/
|
| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been actively paying down my car loan with Kia Motors Finance. However, not all payments have been properly applied to the principal balance by which they calculate the next month 's interest payment. I have been getting overcharged on interest payments for nearly six months now and have reached out starting with an email in July. My payoff balance is significantly higher than what I should owe based on the amount of principal I have paid down.
Having received no response I followed up with calls on XXXX [ ], XXXX [ ] and XX/XX/XXXX.
I spoke with managers on two occasions but was never given a satisfactory response that my issue was being corrected. I am now nearing having the loan paid off but am not sure what will happen if they try to tell me that I owe the incorrect, higher amount.
|
| 07/23/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a lease with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I leased a XXXX XXXX XXXX for approximately 2 years, and was going over my mileage which would ultimately cost me around 2-3k at the end of my lease for overages. I was duped by the salesmen & the finance manager to turn my lease into a finance to avoid having to pay the 2-3k in mileage overages. So, instead they had me finance the car for more than its worth brand new. This vehicle was already two years old and now i am financing it for over {$25000.00}, when brand new its worth {$23000.00}. Bad business practice and put me in a huge negative equity hole. The fact that they would take advantage of someone who bought there first car with them is downright awful. There has to be illegal mark ups & interest involved.
|
| 02/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX of 2022 my car was repossessed. I paid XXXX to have the car returned. In XXXX I called to see the amount due and they told me an amount of approximately XXXX through XXXX XXXX, after the XXXX XXXX.
My complaint is when the amount was requested in XXXX it did not include additional fees. When I spoke to the representative he said they have a new " pay hierarchy '' system. This would include fees paid first then other amounts would be applied to principle and interest. So instead of XXXX counting for 2 payments and a repossession fee. It counted for additional fees from months prior to XXXX. This would make my account behind more days than normal making me at risk for repossession, This was never communicated to me nor did I receive any notice of this new payment system.
KIA MOTOR FINANCE
|
| 06/23/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I am nearing the end of the lease agreement of a XXXX XXXX XXXX that I leased in XX/XX/XXXX. The payoff sum is in estimated to be about 11,919. Financing will not be a problem. In order to obtain the proper financing, a vehicle buyout agreement will have to be obtained from XXXX XXXX XXXX ( XXXX ). Upon speaking to XXXX XXXX XXXX representatives, they claim they will send the requested documentation and then don't. This had been on going since early XX/XX/XXXX. Attempts were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
AllI I have received is lip service. This unfair tactic effectively ties me to the existing interest rates with XXXX holding the process hostage. I am entitled to payoff this debt at my own will using my own creditors.
|
| 10/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my brand new XXXX Hyundai XXXX in XX/XX/XXXX. I waited several months for a title which was never sent. I called Hyundai motor finance and they said they sent the title however this was not accurate as it was never received in the mail. I even called the post office to make sure mail was being sent correctly and XXXX verified all mail was delivered. I subsequently called Hyundai motor finance in XX/XX/XXXX and they said that the title was mailed XX/XX/XXXX ( this was a lie ). They said I would not need a lien release letter which they will also send. As of now it is XX/XX/XXXX and I still do not have a title for my paid off vehicle. XXXX is not helpful and giving me a runaround and gaslighting me making me feel as though mail is not coming when they are actually not sending anything.
|
| 06/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
Purchased a new XXXX XXXX from XXXX XXXX in XXXX XXXX, IL on XX/XX/XXXX which I financed through Hyundai Motor Finance. In XX/XX/XXXX, I paid off this loan. To date, I have not received my title, release of lien or any other payoff documents.
I have made multiple calls to the customer service reps without who always say they will send an email to their title department, but never get any response. I have also spoken with three different supervisors who told me they have the power to get this resolved, but they are ineffectual.
It has been nearly 8 MONTHS since my vehicle was payed off without receiving my title and other documentation. I want to sell the vehicle, but I cant due to HMFs inability to deliver my documentation.
I am hoping you can provide assistance in resolving this matter.
|
| 06/19/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have filed a dispute with the Cfpb in regards to Kia motors falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called Kia motors this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2023 I went to XXXX XXXX in XXXX Florida to purchase a Suv. The agent that I spoke to whose name was XXXX informed me that only one hard credit inquiry would be on my credit report if I decided to proceed with the Transaction. Upon checking my credit report there are two hard inquiries on XXXX credit report and one hard inquiry on my XXXX credit report. There should only be one hard inquiry on my credit report. I am therefore asking Hyundai Finance and XXXX XXXX to remove the unnecessary hard inquiries from my credit report. There should only be one hard inquiry on my credit report.
I authorize the sales agent to do one hard pull on my credit report not three hard pulls.
So, two of the hard pulls down on my credit report was not authorized by me and I want them removed immediately.
|
| 05/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I am attempting to get the title of my vehicle that was paid off in XX/XX/2020. The FL DMV shows there is still a lien on the title, however, there is no longer a lien on the title. I have spoken with hyundai motor 3 times to get this satisfied. They can not tell me why it has been almost 2 years without a title release. I am told to contact them again in 3-5 business days to find out the determination of the release request. They stated they tried to release the title in XX/XX/2020 but they did not. They could also not tell my why. None of the service reps are able to give me any other information regarding why the title can not be released, other than " we will submit the request '' and that my account is " all in order and satisfied ''. It has been almost two years since my final payment.
|
| 07/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hyunadi Motor Finance is reporting incorrect account information on my credit report. The account is reporting six missed payments this information is not correct. I filed a complant prior and the information reported was corrected. As of today XXXX XXXX, 2017 the incorrect information has reappeared on my credit bureaus credit report. I am currently in the process of seeking legal advice and repensatation due to the practices of Hyundai Motor Finance. The payments were paid online and not processed unti two to three days later. Their actions are damaging my credit history and credit worthiness. Below I will attach supported documents showing payments and when they were processed. I have filed compalints prevesouly against this company whch resulted in the account information being corrected
|
| 01/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hyundai CAPITAL AMERICA, commits fraud by stating that I, XXXX XXXX, didn't request debt validation from it, by stating this to CFPB : " In their complaint, XXXX XXXX XXXX states Hyundai Motor Finance ( HMF ) is refusing to validate his debt. XXXX XXXX requests HMF provide internal bookkeeping records. Upon receipt of XXXX XXXX complaint HMF has completed a thorough review of XXXX XXXX account and has no record of previously receiving a request to validate the debt from him. A debt validation letter will be sent to XXXX XXXX at the address on this complaint and a copy of his retail installment sales contract is attached to this response. '' I, XXXX XXXX, state that I requested debt validation 2 times! already. Please view USPS return cards that it was delivered and signed!
ABSOLUTE FRAUD!!!
|
| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
XXXX months ago i changed banks and put all the information for Hyundai motor to take my monthly payments, however there was a problem because the money went through than days later it did not go through according to Hyundai. since than i been on the phone communicating with customer service and been paying XXXX every week for the last month to pay XXXX month and my current month since i was only XXXX month ( XXXX ) behind. Now that i speak to Hyundai they are telling me i still owe for last month ... Can some please help me as i feel im helpless and might not keep paying them!!
P.s every time i asked to speak to a manger customer service refuse or hang up which i believe is against my consumers rights and they sent information to my credit which is not accurate saying im in delinquency.
|
| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Hyundai finance hired XXXX XXXX XXXX who hired XXXX. XXXX to reposess my car on XX/XX/2023. They realized after XXXX hours their was incorrect info on the paperwork and returned the car with damage from being transported.
On XX/XX/XXXX XXXX. towing fixed the damage on the car.
I called hyundai on XXXX XXXX to see if the issue with the paperwork was fixed and how this even happened. They could not tell me and offered to terminate my lease without fines or penalties and told me it would be done approximately by Monday or Tuesday XXXX XXXX.
I called 5 times before being able to speak with the rep handling it only to be told it would take more time and none of this could be documented in writing to ensure they would follow the new timeline promised or the stipulations verbally agreed too.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received a late payment from Hyundai motor finance because the lady I spoke to didnt speak English very well and we had a misunderstanding. I was calling during the peak of Covid and called to do a payment deferral. I thought the deferral was submitted but I didnt understand the lady had told me I had to sign something that she emailed me and return it. So not knowing I was supposed to sign the paperwork she emailed I received a late payment. I sent Hyundai a letter explaining everything now XXXX is reporting different late payments on the XXXX website it says I was late XX/XX/XXXX. Its reporting late XX/XX/XXXX on identity iq. Since its not reporting accurately Id request that all late payments from Hyundai be removed from my credit report with all 3 credit bureaus. Thank you in advance.
|
| 05/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I returned a leased Kia to a Kia Dealer and purchased a new Kia. It was a demo car with XXXX miles on it already so I could not get it financed through Kia with 0 % financing. I got the final bill on my lease agreement and they are charging me a disposition fee of {$400.00}. I called and asked to have it reversed and they declined, stating that " You did n't really buy the Kia, Capital XXXX did. '' I did n't have an option of financing my Kia through Kia. I already paid a higher percentage rate as a result of buying a demo car. Now I am expected to pay additional fees when I remained loyal to the brand? No one disclosed this fee to me at the time of closing the deal either. This is a very deceptive practice and the fact that it would not even be considered for review feels very wrong to me.
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I leased a new Hyundai SUV for 36 months that got totalled in the XXXX month of the lease. My insurance company paid off the car but the total payments maid to HMF are more than $ XXXX more than the cost of a brand new like SUV based on the total amount paid by me towards the lease and the check sent by my insurance company. My insurance company has informed me that XXXX should have refunded me the overpayment that totals approximately XXXX more than cost of the new car to replace the one that was totalled. XXXX is refusing to refund me that amount citing a clause in the contract that stipulates that any and all insurance proceeds are the property of XXXX. This is not industry standard per my insurance company and XXXX is being unfair and unethical in their conduct regarding this practice.
|
| 08/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was contacted today XX/XX/2021 stating I was 4 days paid due. I was told by XXXX XXXX in XXXX Arizona the due date would be change to XXXX after they submitted to Kia finance. I explain this to Kia fianc today and collector just kept saying can you pay that today repeatedly and would not help with solutions. I asked to speak to manager manager said said thing and told me I am being billed {$7.00} plus for it being late. I read over my contract and I do have a grace period of 10 day before getting late charges. This is unfair debt and collections against myself. I want to point out I asked for paper billing and see told me se can not. I just got off the phone again with company and said they can. This is unacceptable debt collections against myself. I would like a resolution to this issu.
|
| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/23 I paid off my lease in full to purchase the vehicle. A payment of {$11000.00} was confirmed received by the lender which was the quoted buyout amount through XX/XX/23. When I call to check on the status of the title release I get sent to collections where they claim I am past due on a payment which is completely false. It appears that they internally changed the date of receipt of my payment to look as though I owe more money. They have not or will not send me the bill of sales to complete the buyout. They have now held my money for two weeks and have not credited my loan. They will not complete the buyout transaction. I have called at least 6 times and I get bounced from VRU, to collections, to end of lease to escalations. Its actually appears criminal what is happening here.
|
| 06/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Purchased new XXXX XXXX at dealer, used Hyundai financing for new loan, paid off loan in full XX/XX/2011, never received original certificate of title or lien release. Have been contacting them for a lien release for a week now everyday, they promise to fax within 24 hours and then nothing is received.
Hyundai collects a title/lien release/return fee and then fails to deliver in a timely manner or at all.
We have lost a few buyers for our car since we can not provide a clean title, even though Hyundai readily admits the loan is paid in full and nothing is due.
Hyundai customer service is lying to us by having a different story each time we call to inquire about the lien release. If Hyundai can make a new loan electronically in 30 seconds why cant they release a lien in over four years?
|
| 03/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As you can see two payments one year apart did not apply funds to principle. XX/XX/XXXX payment of {$370.00} principle- {$310.00} interest- {$63.00} but only {$60.00} was credited to account. XX/XX/XXXX Payment XXXX Principle- {$290.00} interest- XXXX But XXXX $ was credited to principle. Not to mention the interest charged on the XXXX for over 12 months. So that breaks down to {$600.00} not including the charged interest of 8 %. I am trying to pay off this loan to get a lower interest rate. they seem to be dragging there feet as they continue to charge me interest daily. I called on a Monday they said call back fri or Monday following week. it has been 2 weeks and still no one is fixing this issue. They keep playing and saying there is no way for us customers to get a hold of that dept.
|
| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
Bought out my lease at the Kia dealership. Dearlership told me I did not have any payments left on the lease. Two weeks later Kia Finance autmotically withdrew another payment for the lease. I contacted Kia Finance and they told me the dealership is supposed to inform me to remove auto payments.
Kia Finance will refund my final lease payment by sending a check at the end of the month. This is a period that they would charge 7 % interest on ; I, of course, am unable to collect on that.
The dealership was wrong about not having any more payments on the lease, but it shouldn't matter : Kia Finance is made aware of lease purchases the day they are complete. There is no reason Kia Finance could not simply cancel the loan payment account in order to avoid any additional automatic payments.
|
| 04/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is in continuation to the complaint ID XXXX XXXXXXXX. After I filed complaint in XXXX, company ( Hyundai Motors USA ) contacted me and assured that the corrected credit report will be sent to all credit reporting agencies and my credit score will be fixed but recently my mortgage lender informed that my credit score still low ( which only happened so low in my lifetime due to incorrect reporting by Hyundai Motors ). I don't want suffer anymore due to Hyundai Motor 's fault and request CFPB 's intervention to make it a case study and make sure no one in future should suffer like me by big automobile companies in the country. I understand that my suffering is nothing for them even if it is due to their ( Hyundai Motors ) fault but this will be a wrong signal to the consumer at large.
|
| 01/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2021, I was not provided a separate sheet explaining my financing charges, nor do I have a copy in my documents that I left with from the dealership. 15 U.S. Code 1605. Along with the code it states that a down payment is not required for purchase, for cause that " consumer credit transaction shall be determined as the sum of all charges ''.
I went to get my tires rotated and oil change and told that dealer about the extended noise by XXXX ' blind side window signal, extended on average 40 seconds longer than normal, after the time vehicle or Indvidual passed. Also, the standard price for a XXXX XXXX XXXX XXXX was {$23000.00}, they over charged me. The price for the vehicle was {$25000.00}. Excluding tax title and license. When I specifically asked for a standard automobile.
|
| 08/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I leased a XXXX XXXX XXXX from Kia Finance. It was a three year lease due to be paid off on XX/XX/XXXX.
I bought the car at the XXXX XXXX on XX/XX/XXXX. XXXX XXXX gave me the loan. On XX/XX/XXXX, Kia was paid {$17.00}, XXXX and my lease was paid in full. On my most current credit report, the account shows closed instead of paid and my credit score went DOWN 11 points! I called Kia Finance and they said if you buy the car from them, they show paid but if you pay your lease in full, they show closed. I tried to buy the car from Kia but they never answered my emails. This can not be fair on a credit report. The report said you should keep your older accounts open-well, not if it's paid in full! Please help-this is totally not right to penalize a consumer for paying their bill! Thank you!
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I signed up for 2 month deferral and they granted it to me mid XX/XX/2023 after i lost my job but they did not complete the paper work in their system ... so around mid XXXX they sent me a letter i was in default and in a few days would repo mycar ... so they approved me again for the 2 month deferral and I saved my car from being taken and they still ruined my credit in 2 areas on my XXXX XXXX for all bureaus .. and will not fix it.. i took a huge dip in my scores because of them and this one area still says i was late in hte 30 to 60 day area and that is ruining my good name of years of on time good payments with all creditors and i am trying ot buy a house very soon.. I demand they fix all areas that show any thing negative about me and reverse the comments back to never late etc..
|
| 01/26/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX, {$1700.00} was paid to Kia Finance company for my XXXX XXXX XXXX. The bank charged it back on XX/XX/XXXX and it was removed from my Kia account. I spoke with the bank and rectified the problem and they cancel the dispute and said it was a good charge and would not seek out to collect the money back. Kia said they sent the money back same day on XX/XX/XXXX and said it goes back immediately however no funds have returned to my bank and the back has said they have not received anything. At this point, XX/XX/XXXX, I have yet to receive my money back from Kia and they have removed it from my account and can not provide me any information on the missing funds and are essentially stealing the {$1700.00} from me. They also are now telling me that they never received the funds.
|
| 02/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I leased a XXXX XXXX XXXX through Hyundai Motor Finance in XXXX. I recently moved to XXXX and I have 30 days to title, register, and get XXXX plates on my vehicle. I have been in touch with Hyundai Motor Finance via phone, email, and secure messaging since XX/XX/XXXX. The customer service folks have told me on phone that they have sent the copy of the title to my address ( on XXXX ) and directly to DMV ( on XXXX ) but neither I nor the DMV have received the documents. I have followed up numerous times with customer service and I have never received a tracking number for the mail they supposedly sent. I moved to XXXX from XXXX on XX/XX/XXXX, and I need this paperwork to register my car in XXXX by XX/XX/XXXX. If I don't get a copy of my title soon, my car will become illegal to drive.
|
| 04/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been calling Kia ( knfusa.com ) since XX/XX/2022 about payments being misapplied on my loan. I have been making payments in excess of the amount due, in an effort to pay down the principal balance on the loan. Kia keeps applying the overpayment as partial payments for the following month.
I have called more than 5 times about this, have escalated to supervisors on at least 4 occasions since XXXX but they still have not corrected it. Worse than all of that is the awful customer service I've received from their agents. One hung up on me, another told me that they can't help and it's just too bad. I have been going on and on with this issue for weeks and I am tired.
I am currently on the phone right now, trying to get to someone who can/will correct the misapplied payments.
|
| 11/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my car lease through XXXX XX/XX/2022. I've called multiple times to the lease-end department as well as the title department. I've been on hold for a record of over 3 hours at a time with the title department, with no one picking up. When I've reached the lease-end team, they tell me they can't help. They told me they have sent my title to the IL and MD XXXX and provided me a tracking number that is fake. The tracking number does not track on USPSXXXX and when I call the XXXX XXXX XXXX XXXX XXXX in both locations, they do not have a title on file for me. At this stage, Hyundai is giving me the run around, after a year of paying off my lease, and refuses to mail me my title. Should this complaint go unanswered, I plan on filing a police report and pursuing legal action.
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After a car accident Hyundai should send all documents to the XXXX company pay for the remaining balance. I called them every single week after the total lost and every single time we received some different information. On XXXX an employee from Hyundai told me that the case was all set, because the XXXX XXXX had all documents to pay the remaining balance so they turn off the autopay. For my surprise Hyundai reported me because there's a 2 bills with late payment. And this is not fair because they know that the responsibilitie for the remaining balance is under XXXXXXXX XXXX name not mine. Last week XXXX ( XXXX company ) sent to Hyundai a check with an overpayment but until now Hyundai didi n't received this check and they keep the information on XXXX regarding the late payment.
|
| 02/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Hyundai Capital America ( HCA ) didn't honor the complain submitted on XX/XX/2023? Ref. # XXXX.
HCA Completely act to evade the question of why my extension of credit was denied by HCA in a Consumer transaction, no one can't be denied of their own credit. give you evidence that my credit was pulled by XXXX with HCA on it. nothing about dealership. This is issue between creditor that obtain my credit on a credit report and the consumer. Under 15 u.s.c. section 1692e HMF is in violation : for False and Misleading Representation, Under 15 u.s.c. section 1611 XXXX is in violation : criminal liability for willfully and knowingly violation, Under 15 u.s.c. section 1681o HCA for : Civil Liability for negligent noncompliance, for violation to not extend credit on consumer transaction.
|
| 08/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have a loan for a Hyundai XXXX I purchased on XX/XX/XXXX in XXXX. I moved to XXXX state and need to register my vehicle in XXXX I completed Hyundai Motor Finances title transfer online as well as had the local XXXX XXXX fax a request for the transfer on XX/XX/XXXX. The website says to allow for XXXX business days. It has now been XXXX and I am being told that it could be another XXXX business days. I am unable to register my car as required by law because of the delay. Customer service has said there is no way to contact the title department and I must just wait. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are no notices or warnings that there is a delay or any process to expedite title services when the lack of title renders the car unusable and violates state law.
|
| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I leased a car from Hyundai in XXXX, NJ in XX/XX/XXXX. When it was time to turn in the lease in XX/XX/XXXX I decided to purchase the vehicle. I went to the dealership and took out a loan on XX/XX/XXXX with Hyundai to buy out the vehicle. I got a loan through XXXX auto finance to purchase the vehicle. A few weeks later I started getting calls, texts and letter in the mail saying I have a past due balance of {$1100.00}. I called the dealership and they assured me I have no past due balance since I bought the car. The account is now showing 60 days late on my credit report and dropped my score almost 100 pts. I have talked the creditors every time they call and have explained to them, I have sent them email copies of the purchase contract and yet this has not yet been corrected.
|
| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2021, there was a deferred agreement with Kia finance. ALL papers were signed and returned. Started receiving letters, that my account payments are passed due, at this time received my 1st letter, Tried calling numerous times, but keep getting the run around, and it has been reported on my credit report as being in default or late on payment.i reached out to them again, on XX/XX/XXXX 3way call, I co-signed for my daughter, ( same thing ) nothing solved.Received another letter XX/XX/2021, called on XX/XX/2021 resigned letter again, spoke with a guy named XXXX, was assured the deferment was completed and he received it. Well received another letter on XXXX XXXX 2021 again same thing no head way,. Just received another letter on XX/XX/2021 of this amount is past due.
|
| 10/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and needs to remove right away : KIA MOTORS FINANCE-XXXXBalance {$8700.00} KIA MOTORS FINANCE-XXXXBalance {$12000.00}
|
| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I have tried and tried with all three reporting credit agencies to remove the credit report of the information of Kia finance since finding out that it is past seven years which is allotted to all things reporting on credit report and this account is still opened and not deleted from credit report and negatively making my credit score not be reported as accurate and it is a collection right off which means it is income being reported on my report and according to fcra that is illegal and should have been removed long time ago and I never gave permission for it to be reported. I have tried to get this removed and deleted from all credit reporting and they have yet to remove and came to you before on this matter and they still have not done anything about getting it removed
|
| 10/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I leased a vehicle through Hyundai Motor Finance in XXXX. I requested a buyout quote and paid the entire balance of the vehicle via an overnighted cashier 's check on XX/XX/XXXX. This payment was recorded and accepted by Hyundai Motor Finance in XX/XX/XXXX. I requested an update on XX/XX/XXXX to be informed they had not received my odometer statement. I filled out and submitted the form via email on XX/XX/XXXX.
I requested an update on XX/XX/XXXX, when the representative confirmed receipt of the odometer statement and said the title department would have an update within 5-10 business days.
Saturday, XX/XX/XXXX I received in the mail another odometer statement. They have already confirmed receipt and have not issued my title in over a 30 days since receipt of payment.
|
| 08/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed back. I called multiple times requesting updates, but each time I get the run around and a different answer. I eventually escalated to a supervisor who was extremely rude and only frustrated me beyond words! This is a pandemic and Hyundai Motor Finance should know better. I could have used this refund to assist with my mortgage! They've been in receipt of this money for over a month now and have yet to refund. I have to call two additional times after today 's interaction just to get a proper escalation!
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I applied for a car lease with Kia Financial Services. At no point did I consent for, agree to or ask that Hyundai Financial Services pull my credit report.
I was never told that applying for a car lease with Kia Financial Services would result in an inquiry from Hyundai Financial Services. This practice is misleading and damages ones credit standing.
I am requesting a permissible purpose audit for Hyundai Financial services to provide me with a signed application giving them consent to access my consumer credit report. If you can't provide a signed application granting Hyundai Financial Services permission to access my credit file, please provide me with a letter of deletion so that I can have this unauthorized inquiry removed from my XXXX credit file immediately.
|
| 10/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After returning the lease on time with no payment due, I received a bill {$6000.00} over the agreed upon amount of normal wear and tear. I disputed this in writing to Hyundai. When there was no response to the dispute and I saw the amount as a balance due added to my credit report, I submitted a complaint to the FTC. Still no response from Hyundai.
Hyundai ignored my dispute by their non-reply AND simply added it to my credit report, as if my written dispute meant nothing. I understand Hyundai is a South Korean company, but these practices do not transfer to the US. The lease was in possession of a car detailer, which is different than their normal customer, and showed wear and tear only on the driver 's seat. I've checked the box below to make this complaint public.
|
| 08/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
XX/XX/2020 bought a hyundai XXXX from Hyundai XXXX XXXX pushed me into buying car that they never let me test drive stating your age you cant drive this car because youre XXXX which is nonsense I just needed a car and was dedicated to buying a car but they said I could test drive it once i came back and when i came back they basically gave me a pen sign contract give me down payment we request and youre on your way also by over promising things that will be included made me buy warranties I didnt need nor want without giving me a chance to say no asked for downpayment meanwhile took a loan out for more than out the door price they gave me when I saw contract guy said dont worry that isnt what your paying for meanwhile took advantage because ut was my first car bought.
|
| 05/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Upon reviewing my credit report to prepare to purchase and speaking with my lender it was found that Kia Motors Finance has inacurately reported a late payment in XX/XX/2018 upon my credit. Contacted Kia to inform them of the discrepancy and the representative as well as the manger i spoke to advised it was nothing that could be done unless i disputed it. I advised to them verbally that I dispute the inaccuracy. They both refused to take my dispute and said that it had to be in writing or just do it through the credit bureaus. I know this to be inaccurate, I know that per the FDCPA I as a consumer am able to verbally dispute matters and it must be accepted and noted as being disputed. Again after explaining this to both the rep and the manager they still both refused.
|
| 03/29/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I leased 3 cars from KIA and bought a forth car buying out the lease. I have previously complained to CFPB about KIA FINANCE and their predatory lending procedures. They never asked me for pay stubs to confirm my income, and had me sign several bill of sale contracts after purchase with force threatening me with police. This last car KIA XXXX with loan number XXXX with traded in. I don't why is it reporting as a charge off. After purchasing a fourth car, I can not understand how a finance company is allowed to take advantage of it's consumers.
This charge off now is affecting my licensing and my livelihood 15 years in my career as a licensed mortgage originator. I have never missed payments before. I am attaching the letter from the state regulator for my licensing.
|
| 07/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I 'm XXXX years old and my junker XXXX XXXX XXXX goes up in smoke on the side of the highway. It 's XXXX and I have n't been able to find work since XXXX because of College. I have no money in my bank account, and awful credit. In desperate need of a car I walk myself into a XXXX dealership and tell them I have absolutely no money and need a car. With no work history, no money, awful credit, and at XXXX years old they approved me for a 36-month loan for $ XXXX, {$21000.00} for a {$13000.00} vehicle. I 'm almost XXXX, can barely afford to take even XXXX or XXXX classes a semester a the XXXX college, absolutely can not afford this car without starving myself and living in it. I am willing to return the car but I feel taken advantage of and I can not deal with this loan.
|
| 09/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Servicemember |
|
- Kia agreed that I never owed property taxes on this leased XXXX XXXX XXXX.
- As a result, Kia agreed that I should be reimbursed for the two years of property taxes I paid on the vehicle.
- This meant that Kia owed me {$220.00} for one year and {$220.00} for the other year.
- After a reasonable amount of time, I had not received the reimbursement.
- About one month ago, I called Kia to inquire about the reimbursement.
- Kia said the checks had been mailed in late XX/XX/XXXX.
- I informed Kia that, as of XX/XX/XXXX, I had not received the checks.
- Kia said they would re-send the two checks.
- I confirmed that Kia has my correct mailing address.
- My mailing address has not changed since XX/XX/XXXX.
- As of XXXX, I still have not received the two checks.
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
I previously reported that Hyundai Motor Finance was refusing arbitration as per the terms of the lease contract to resolve a dispute. Now they have reported to XXXX that I am delinquent on my bill negatively affecting my credit score. Arbitration was contractually the path to go forward and they are refusing and now filing innaccurate credit reports. I see CFPB fined Hyundai last year for doing these kinds of things. I would PLEASE like CFPB to intervene. I am happy to abide by the outcome of arbitration as that is the point of arbitration. Hyundai made me sign that this this is what we would do in the case of dispute. They need to live by their own terms. I have requested arbitration repeatedly on the phone and with two registered letters. They ignore the request.
|
| 12/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear sir, I have purchased a brand new XXXX model XXXX XXXX on XXXX and financed for 72 months. 71 months payments were made without a delay. The last payment was late because of the Covid-19 pandemic affected my finances.
I paid it off the remaining balance and brought the account to XXXX balance and asked them to do a favor not to report the late payment to the credit bureaus. Instead, they reported, and I wrote them a letter asking to be easy to the customer who makes 71 payments without a delay.
They did not remove the negative record.
This record dropped my credit score 64 points at once.
I feel like I was punished by being a customer in good standing 71 months.
This is not fair, the pandemic affected lots of people and put them in a financial difficulty.
|
| 08/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/2022, a payment of {$5400.00} was made on the XXXX website. On XX/XX/2022, a call was made to have this payment be applied to principle ONLY. I was told the paperwork was completed and it would take 3 to 5 days to be applied to my account. On XX/XX/2022 the payment was showing as applying to principle only per my request. On XX/XX/2022, Hyundai moved the payment I had requested as principle only to be used as my monthly payments and took {$14.00} off this payment and applied to interest. I called on XX/XX/2022 and was told that the payment was applied to principle and payments in the amount of {$2500.00} would be applied to principle. I asked to speak to a supervisor and was placed on hold to go back into the main menu for the customer service phone line.
|
| 07/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that HYUNDAI FINANCE performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally.
1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report.
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment.
3. The balance reported is incorrect and inconsistent. The account has not been active since.
If this account is not reporting 100 % accurate, I request deletion immediately.
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... KIA MOTORS FINANCE XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I originally leased my car from Hyundai back in XXXX of XXXX. In XXXX of XXXX, I bought out the lease through a loan from my bank, XXXX. Hyundai never released the title to XXXX. I paid off my loan through XXXX in XXXX, and in XXXX I wanted to sell my car, but realized I had never received the title. XXXX told me they did not have the title from Hyundai, and when I went to the DMV, they told me my car was still showing the title listed as Hyundai. It has been a year of back and forth with Hyundai trying to get them to release the title, but they have not and claimed it was " too old '' for them to release and they don't have a copy, but also will not send the information to the DMV to get the copy of the title sent to me so I can switch the title to my name.
|
| 08/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I finance my vehicle with Hyundai Finance Motor. I been receiving monthly statements from them since XXXX of XXXX. I made my final payment on XXXX. Today, I can not get my title nor a lein release for this vehicle. I have called them and has been told to allow title to issue 3 til 5 business days. Still no title or lien release. I called Hyundai Motor back, just to be told not able to speak with a manager only the highest command is a supervisor. This is my 2nd time trying to trade the vehicle in and has not been successful for getting a title. I asking to be paid {$1500.00}, a month from XXXX, XXXX, XXXX, XXXX and XXXX for a title of {$6000.00}, til I receive my title. I'm asking for titl to be overnight to physical address XXXX XXXX XXXX XXXX XXXX SC XXXX.
|
| 11/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made a payments on XX/XX/XXXX and XX/XX/XXXX and received email confirmation that my payments would be post-effective as of these days. However, the company Kia finance posted my payments that effective as of XX/XX/XXXX and XX/XX/XXXX. When I reached out and spoke with someone in the escalations team by the name of XXXX as well as I spoke with a supervisor by the name of Ever. They refused to escalate my issue to the ombudsman or to do anything to correct the issue of my payments being posted effective as of the date that they are legally required to be posted based on my contract. The supervisor by the name of Ever told me that they would open up a internal ticket but they would not contact me to advise me of what was being done with the internal ticket.
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.
This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX, 2018 Balance : {$6700.00}
|
| 10/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
My monthly bill is due on the XXXX of each month with a 10 day grace period. For the last 10 months I have received harassing phone calls that are placed within the 10 day grace period asking me to pay my bill. Last week on XX/XX/XXXX and XX/XX/XXXX I received two harassing calls from Kia Motors Finance Company. All the while the payment was made on the XXXX and received on the XXXX. I asked them to stop harassing me and told them I will file a complaint. In retaliation my credit score dropped 68 points.
Prior to this situation Kia Motors during the fall of XXXX Finance Company took {$1400.00} out of my account that was not authorized and I had to have XXXX XXXX XXXX return {$710.00} or so back to my account. This caused financial hardship for 6 months.
|
| 03/09/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I had set up a post dated payment for later in the week when they called to collect on my normal monthly payment that had been late due to an issue between their system and my bank 's system. That money was pulled early, and then brought me to below the amount needed for other bills. I called to see if they could refund it, but could n't without waiting 7 days and then sending a check. They suggested I contact my bank, so I did, and they were n't able to refund the money soon enough either. Then, over a week later, they called me saying that my payment was late and they needed it. It turns out they submitted the refund of the money, and then it brought my account out of being current. They could n't tell me why they did this, and then asked for the money
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am refiling this complaint another time to KIA FINANCE AMERICA for allowing the fraudulent account and for not correcting this on my credit report. I filed an FTC report for this another complaint, with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I they will correct this erroneous account and to provide accurate credit reports.
This account had multiple inaccurate information on my credit report the payment history, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
|
| 12/08/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I bought a car, a XX/XX/XXXX XXXX, from XXXX in XX/XX/XXXX. I paid on it without fail, timely and in full. I traded it in on a XX/XX/XXXX XXXX.
i have the contract, that clearly shows this, yet, XXXX, renegged on the deal, and now is saying i voluntarily surrendered my XX/XX/XXXX XXXX. The dealership sold my XX/XX/XXXX, then XXXX took the XX/XX/XXXX XXXX back. XXXX has lied into their own records because they screwed up by allowing my car to be sold even though it was still my car. I can submit some documentation now, and the rest later. XXXX is guilty of fraud, renegging on a signed deal, and allowing my car to be " stolen '' and sold by the dealership. The lies and fraud and wrongful reporting to the credit bureaus needs to be punished and corrected.
|
| 02/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I had a loan with Hyundai Finance for a used car and paid off the loan. I had setup an autopayment from my bank account and made an extra payment. I contacted Hyundai and they said they would issue a refund and keep telling me the refund is pending.
My overpayment happened on XX/XX/2020. I have spoken to Hyundai customer service once a month since XX/XX/2020 and have spoken to supervisors. They can only send an email to the finance department. Each time I'm told the payment should be received in XXXX days.
I have also sent a letter directly to the Hyundai Finance department with a compliant. I have not received any correspondence as a result of the letter. The overpayment was {$200.00}. Hyundai for some reason will not process a refund check to me.
|
| 07/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
In XXXX of 2020 I began hours of letter writing and phone calls to Hyundai Motor Finance over a credit dispute. I had just turned in a vehicle that I leased with them after never missing a payment or making XXXX late. I turned in the vehicle several days ahead of the lease-end date. XXXX reported a delinquency in error and would not correct the issue. My credit score plummeted by XXXX points and I had to eventually hire an XXXX to resolve the issue, which took several months. I have just learned about the CFPB order for Hyundai Capital America to pay more than {$19.00} XXXX in fines and restitution for inaccurate and damaging credit reporting. I would like to be added to the list of affected consumers. Please let me know how I go about this.Thank you.
|
| 05/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Purchased a new XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. I instructed the sales rep that I would perder to use XXXX XXXX unless XXXX loan is better. I told them we still need to get a loan for the roof on our house. Instead numerous hard inquires were made everywhere but XXXX XXXX. I recieved multiple alerts on my phone. Was frustrated at that point and didn't want to run an additional to use XXXXXXXX XXXX Now the credit agencies are reporting double digit drops. A couple of the hard inquires dropped off. XXXX for XXXX and a XXXX XXXX didn't. When I talk to him about it he laughed it off and said that banks know not to count the inquiries. They continue to ignore that they disregarded my orginal request of a specific lender.
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have lease a vehicle with Kia. After the lease was up I turned my vehicle in and they did not advise me of any additional charges. I went to get a mortgage knowing my credit was excellent, but now was dropped 100 points from KIA financial. I immediately contacted them to pay whatever balance there was because they were reporting it on my credit report. It has been four months, and they have continued to report a delinquent account on my credit, ruining my credit score. I have called them, reported disputes, NUMEROUS TIMES over the past four months and not one of the employees from KIA Finacial have helped at all. I need to report them because nothing is being done no matter how many times I contact them or dispute their reports to the credit unions.
|
| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This complaint has to do with an automobile lease but the issue impacted my credit score so I'm filing it under credit score. I hope that's ok. On XX/XX/2018, XXXX XXXX sent information that lowered my credit limit with them. They used to show the credit limit as the full value of the car but then decided to reflect the balance of the lease amount instead. So it effectively lowered my credit limit by {$15000.00} overnight, dropping my score by 23 points. When I called XXXX XXXX XXXX, they were unapologetic, essentially didn't care and will continue to drop the credit limit despite on time payments since the lease was signed. So, effectively, my credit score is dropping every time I make a lease payment on time and in the correct amount. What can I do?
|
| 01/18/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My contract has a specific tax to be added to my monthly lease payments of {$30.00}. The Hyundai Motor finance decided to change it to {$35.00} that is different from what I have in the contract that I signed at the time I leased the car. I contacted the financial institution and I was told to take my issues with the sales assessor office and that it is not their fault. I should not be charge anything different than what it is on my contract. It never happened to me in over 30 year and in over 10 car transactions to be sign a contract at leasing for x and when my first payment came to be asked to pay a different amount. What Hyundai Motor Finance is doing is deceiving and is asking for overall {$160.00} more in payments for the durations of my lease.
|
| 09/14/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
this person work next to the car dealer. he ask me to cosign for a lease i agree to cosign. he bring the contract to my house and i sign as a cosigner. this contract was signed on my house, and wasnt sign in front of a notary public. i agree to be a cosigner. now 2 year later this person have 3 month past due. when i called the financial institution i ask how can i get out of the lease because im just a cosigner. they told me i cant because im the OWER in the account and the other person is the co signer. i sign a paper that say im a cosigner, and they put me in the computer as owner. and also this contract is invalid because it wasnt signed at the dealer, nor infront of the financial manager of the dealer, nor in front of a lawyer or notary public.
|
| 07/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
My car has been paid off since 2017. I'm in the process of selling it, when I noticed that KIA still is on the registration. I have contacted them numerous times about sending me a title release, and I get excuses that the fax machine is down, etc. I get told that it takes XXXX days to have this faxed to me.This has been ongoing for XXXX weeks now. I have escalated to talking to two supervisors. I call everyday, as I need the release to sell my car. This is costing me a deal if I can not get the title release in time. I am selling my car because they did not honor the warranty after saying they would. Instead, they offered me a " killer deal '' on a new car. I really liked my car and had no plans to sell it, but now I have to look for a new vehicle.
|
| 06/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with documentation associated with these accounts bearing my signature, authorizing an inquiry. In absence of documentation bearing my signature I formally request that these fraudulent inquires be deleted immediately from my credit file that you maintain under my social security number. While checking my report, I noticed inquiry I didn't authorize, made by the following companies.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.
I have not given these agencies written permission to furnish these accounts on my credit report.
XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX KIA MOTORS FINANCE Account Number XXXX XXXX XXXX XXXX Account Number XXXX
|
| 09/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My name is XXXX XXXX. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX. I paid cash for this car. For some reason, the car was registered as being financed thru Hyundai Motor Finance Company. THE CAR WAS NEVER FINANCED. I tried dealing with Hyundai Motor Finance Company, but the customer service agent was of no help to me. I reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX then contacted Hyundai. But again, nothing has been accomplished and the vehicle still shows Hyundai Motor Finance Company as the lien holder. Needless to say, this has been very frustrating!
VIN : XXXX I'm attaching an email exchange between XXXX XXXX XXXX XXXX XXXX and Hyundai Motor. Neither XXXX nor I have heard anything after this. Please help!
Thank You!
|
| 04/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had an auto payment set up through my bank account.
I closed my account, and tried to set up payment with a new account a few days past XXXX payment due date only to find out I have a block on my account, which makes me unable to set up a new payment account, unless I go through their phone call system with a charge of around {$7.00}.
I am also blocked from speaking to any customer service to explain the situation and find solution.
The only option is to incur additional fees for three months even though I am fully able to make timely payments NOW if it were not for their system.
I feel this is a very unfair business practice. Why should I be punished for three months with penalties/additional costs for a single month transactional error?
|
| 11/28/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter about an alleged debt in XXXX stating that I owed them an amount for of {$400.00} for the last payment of the vehicle and received another notice a few days letter telling me I owe an additional {$2000.00} for the wear and tear of the vehicle. I sent over a verification letter to find out more information about this alleged debt in XXXX, and never received anything other than a bill/statement telling me how much I owe. I then sent over a letter letting them know the multiple violations they have commited towards me pursuant to 15 USC 1692 on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to receive ANY communication from them letting me know how they are going to rectify how they have violated my consumer rights blatantly.
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This tradeline is being reported after I have disputed more than 90 day ago. Pursuant 15 U.S. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account was open XX/XX/XXXX. I filled an FTC report on XX/XX/XXXX. Pursuant 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I am asserting my right against Kia Motors. This contract is fraudulent.
|
| 05/10/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX XXXX , 2016, I purchased/financed a vehicle with Kia XXXX XXXX XXXX . During sell I was informed by in-house finance manager that I would be given 90 day deferred payment. Unfortunately, this has caused problems to date. My car was repossessed but I was able to retrieve car back but informed that I had to pay past due balances and fees. I should never had past due balance as I was supposed to have the 90 day deferment that was offered during original sale. I have attempted to dispute but have been unsuccessful. I should not be responsible for late fees, repo fees, or any additional fees. I need help to rectify this ongoing lengthy issue that I have already expressed to finance company customer service. Issue unresolved to date.
|
| 10/30/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
XXXX XXXX forced me to pay an additional amount for State Sales Tax plus non payment fees and fines.
The State of Illinois incorrectly sent a payment demand to XXXX XXXX for sales tax. The sales tax had been paid at lease signing by the Dealer. ( see attached copy of cancelled checks ) I had to pay {$1500.00} to XXXX XXXX because XXXX XXXX paid the State of Illinois without checking the validity of the demand.
I have contacted by phone and mail every number and po box provided by the company. I finally got a response which stated that I will get my money returned if and when the State of Illinois makes a refund ( see attach response ) Essentially I am being forced to pay the sales tax twice plus fines because of their lack of due diligence.
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My Kia car payment was due XX/XX/XXXX. A valid 30 day late would have been XX/XX/XXXX. I legally signed car over to XXXX XXXX XXXX in XXXX XXXX dealership on XX/XX/XXXX. I traded car in for a truck. They informed me they would send payoff asap. I nicely explained to Kia what occurred and apologized the dealership did not payoff car until XX/XX/XXXX. Then they sent the wrong payoff amount and left a low balance remaining which resulted in a 60 day late. I sent dmv proof that I was no longer legally liable for vehicle on XX/XX/XXXX prior to it being 30 days past due and kindly asked if they would remove the erroneous 30 and 60 day late. Kia credit dispute said they would not remove it as I was legally liable for vehicle until payoff was received.
|
| 03/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Kia Motor Finance changed my account number without consulting me or giving me notice. I continued making my payments, but the payments were evidently going to my old account number instead of the new account number of which I had no knowledge. After they contacted me to collect a debt on XX/XX/XXXX, I explained I had made my payment. After some investigation they apologized and said they would fix THEIR error. I continued making my payments to the now correct account number, but I am getting several calls a week saying I have not made my payment and they are collecting a debt. This has now happened 3 times with each time the issue being resolved and notes taken. I am now receiving letters that I am multiple payments late. This is not the case.
|
| 05/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
On XX/XX/2015, I bought a new car, and traded in my XXXX XXXX for a XXXX XXXX.
On XX/XX/2015, XXXX sent a payoff check to XXXX for the balance of my loan.
On XX/XX/2015, Hyundai Motor Finance took an unauthorized payment from my checking account via ACH as they have been doing for 2 years. I called them, told them I no longer owned the car and asked them to cancel the ACH payments. They agreed, but told me it would take 30 days to refund my payment. I called my bank who managed to stop the payment.
On XX/XX/2015, XXXX again debited my account for another full payment, but I did n't catch it until Saturday XX/XX/2015. My bank ca n't stop the payment this time, I was too late.
My understanding of the definition of fraud, applies in this case.
|
| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hi, I am desperately looking for help. My car totalled XX/XX/2023. Prior, I made every car payment. My car insurance company promptly sent Kia Finance the payoff and I also have GAP to cover the rest. The customer service at Kia Finance continue to have no record of payment although I have letter of guarantee and receipt of amount paid, my car insurance also tracked the money and can tell me time and date XXXX delivered. For almost 2 months now I have had no car and can not buy new until this is resolved. On top of that, Kia Finance calls about wanting a car payment so, soon my credit will be affected. How is it legal for a company to hold XXXX XXXX and not post it to your account and ruin your credit at the same time. Please someone help me.
|
| 07/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my quoted payoff to hyundai motor finance on XX/XX/XXXX and was told i was told i would get my title in 3-5 business days .month passed by, i would call and get a generic response oh it's in process and the you should get it soon. Then more than a month later they added another XXXX $ to the quote saying oh this is the actual quote even though on XX/XX/XXXX i was given a different quote earlier. I even paid off that amount. Now they they still haven't released my title, the call to their lease end and customer service just ends in the same generic response.
They are sitting on XXXX of dollars of my money and not releasing my title. I can't sell the car. I can't even get a car tag without the updated title causing undue distress.
|
| 12/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
At the beginning of the Covid-19 pandemic, I was subjected to extended lock-down that reduced my pay by 50 % for the duration of the pandemic. This resulted in late payments on my car loan. I have made all payments and the account is in good standing with no late payments since the lock-down restrictions ended.
I reached out to KIA Motor finance and requested that the late payments being reported on my credit report be adjusted to reflect paid on time as the circumstances that lead to late payments were outside of my control. The representative I spoke to from KIA said this should not be a problem, but to date all the late payments due to the pandemic are still being reported on my credit report and are severely impacting my credit score.
|
| 09/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
We purchased a new XXXX car that was financed through Kia Motor Finance.
Since day one, we have sent extra money above our schedule payment with the intent of paying the loan off early by having the extra money go to reducing the loan principal.
We have paid enough that for the last 3 months our statement show we dont owe anything however we are still sending them about $ XXXX/mo. to go toward principle. Upon review of our statements I found this company is withholding interest that should not have happened.
I called their representative on XX/XX/2021 and was told I have call them and request the extra money go against the principal.
Kia Motor Finance has been ripping us, and probably several others off since we made our first payment.
|
| 03/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I moved from XXXX to XXXX after I leased a car from Hyundai ( Hyundai Motor Finance ). To get a license plate from XXXX, I need HMF to send the title to the Florida XXXX. Ive attempted multiple times to fax HMF the necessary forms to complete this process. Ive even sent it to their backup fax. They keep saying they havent received it. Although my fax shows me confirmation it was sent. Customer service cant do anything other than tell me yes or no if theyve received the fax. They wont allow contact with the titles department. Im running out of time for them to send what I need to the XXXX XXXX before the XXXX tags on my car become expired. I dont know what else to do. Ive even attempt posting on social media. XXXX. XXXX. XXXX. Didnt work.
|
| 05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have called XXXX XXXX at the end of XX/XX/2019 about when are they I'm going to report my auto loan to report to the credit agencies and KIA told me that there will report every three months, because I'm not current on paying my auto loan. That is not correct I pay every 25 days. I even pay the late fees just because of my payment schedule. As long as I am not 30 days past due this should not be an issue. The person I spoke with at XXXX XXXX very rude and disrespectful and hung up on me. How nice since I paid over 13 % interest. The car is almost paid off. On eight {$22000.00} dollars car i'll end up paying over {$44000.00}. And they can't even be nice. All I ask is for them to report every month like everyone else.
Sincerely, XXXX XXXX
|
| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This issue has been going on since XX/XX/2020 and nobody is helping me! Hyundai is clearly reporting this account inaccurately and after their computer generated investigation is stating that it is reporting accurately. This account is supposed to be CLOSED with no recent missed payments. XXXX has it as open with one recent missed payment and XXXX has it as closed with no recent missed payments. Hyundai is claiming they investigated and is accurate when my credit report clearly shows the inaccurate reporting! Attached is Copy from my credit report, Hyundai response saying its reporting accurate. This is a serious issue and hurting my credit rating and causing me to be denied credit! I need someone to reinvestigate this account immediately!
|
| 11/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I called Hyundai Finance on XX/XX/21 to move my due date to the XXXX or XXXX of each month because Im having a medical emergency and Im getting pay every XXXX weeks, I cant pay on time. My regular payment is on XX/XX/21 which I cant pay on those dates. I try to talk to this company and they told me to pay the late fees they can not do anything for me. Im calling them in good faith and also I dont want to pay late fees and to go in my credit report. They did not care, customer service was very rude and basically told me to pay the late fees. I think is unfair and they should work with people that are trying to pay their bills. I called this same company XXXX months ago and they did moved my date. I dont know why they are not doing it now.
|
| 07/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We are getting additional charges added to our monthly billing. At first we were told the charges were " sales use tax, '' but now they are saying they are " late fees ''. We have called several times. Often we get a message that the lines are too busy to call back later. When we get a representative they do not seem to have the information they need to solve the issue and lack training. We told the representative that said they were late fees that we always make the payment early. He finally was able to confirm this and said he would fix it. It still is not fixed. The monthly bill should be a set amount, but it varies each month without any detail or itemization. There is not way to escalate to a manager or higher to resolve the issue.
|
| 06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX, XXXX, XXXX all display record of " delayed payment '' related to an old car lease through Kia Motor Finance. in 2018 when the car was submitted at to the dealer to end the lease, another vehicle was leased with the agreement that the dealer will pay off the remaining balance of the first lease to the leasing company. However either this payment from the dealer was not done in a timely fashion thus caused a delay in payment, or the leasing company did not report the payment balance appropriately causing negative impact on my credit report. My credit has been negatively affected as a result. Dealer information XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone. XXXX-XXXX-XXXX Fax. XXXX-XXXX-XXXX Lender Kia Motor Finance Account # : XXXX
|
| 10/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
At the end of lease my vehicle was inspected and I was charged for extra wear and tear. The letter they provided detialed that if the balance is not paid by XX/XX/2018 it will be reported to the credit reporting agencies as charged off balance.
I checked my credit report a week ago and saw that this balance was already reported to the credit bureaus as late payment. I called Hyundai Finance and was told they could not do anything about it. I condemned their letter and explained to them that you were not supposed to report anything untill the date you mentioned on the letter. The customer service apologised and said they could not change the past even if I piad the balance off before XX/XX/2018.
I included the letter for you to see it.
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 09/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My most recent credit report shows that Hyundai Motor Finance ( HMF ) reported me as delinquent on an account that, according to the records I see on HMF 's website, was paid in full on X/XX/17, and is currently owned XXXX balance. I traded in my leased vehicle for a new leased vehicle 1 month before my lease was up. The remainder of my lease payments were rolled into the balance for the new vehicle and the remainder on the old lease was paid on X/XX/17.
I have yet to contact HMF regarding this, as it is Saturday, and their customer service line and lease end support lines are closed until Monday. HMF reported my account to the credit bureau with no prior contact to me, written or otherwise, as to the delinquent status of my account.
|
| 01/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
I purchased a new car at XXXX XXXX in XXXX California on XX/XX/2022. Everything was fantastic with the dealer themselves but for some reason there was an issue with the small remaining balance that I wanted to finance. I did not know at that time that Hyundai Finance rejected my application because it was eventually financed through another company. We recieved XXXX 's rejection letter today. I thought it was a joke. My wife and I have credit scores over XXXX. In looking at the explainations it looks like they used any fabricated reason not to extend credit to us. I do not know if this cost us by paying a higher interest rate or not. It seems that this company is very arbitrary in the way they extend credit and should be investigated.
|
| 12/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have contact this company on multiple occasions in the last 2 1/2 years one being XX/XX/21 regarding a account placed on my credit report due to identify theft. I have spoke to multiple representatives regarding this matter and was told that a fraud packet would be sent out to my home on several occasions for me to complete and mail back which I never received, on XX/XX/21 I spoke to XXXX badge number XXXX who told me that no packet was ever sent out to me and every time I requested for a packet to be sent out my request was denied from the back office, when I asked why he stated he was not sure! I have sent in several police reports to the company and still nothing!! There are refusing to do their part in helping me fix this issue.
|
| 12/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I had a car financed with Hyundai Motor Finance the past six years. I only had four payments left on the car when I was involved in an accident. As a result of my claim I was given a check for {$1700.00} and by the time I got my check I only owed about {$350.00}. I decided not to get the car repaired because I ended up getting a different car. Because Hyundai still had a lien on the car the check from the insurance company was made out to myself and Hyundai. When Hyundai got the check they took out the XXXX I owed them and said they would send me the balance of {$1300.00}. I asked when I could get the balance they owed me they said they were going to hang onto my check for 30 business days. Can they hold my money for 30 business days?
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am refiling this complaint to KIA FINANCE AMERICA for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.
|
| 07/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
CANCELLATION OF DEBIT PAID OFF THROUGH IRS, BRENCH OF STATUTORY OBLIGATIONS IS OF SIGNIFICANT CONCERN. NON COMPLIANCE WITH AFOREMENTIONED LEGISLATION UNDERMINES CONSUMER RIGHTS COMPROMISES THE INTEGRITY OF COMMERCE, AND POTENTIALLY INCURS SERIOUS LEGAL CONSEQUENCES.
As outlined in Title 15, Section 1640, violations can lead to statutory damages, actual damages, and even the recovery of court and attorney fees.
SUBSEQUENT EXAMINATION OF CONSUMER PROTECTION LAWS REVEALED THAT THIS MANDATE IS IN CONTRAVENTION OF THE REGULATIONS SET FOURTH IN THE CONSUMER LEASING ACT ( Title 15, Sections 1667-1667e ) of the United States Code . According to these legal provisions, consumers are not obligated to tender a down payment to secure credit.
|
| 02/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Kia Motor Finance officially changed to Hyundai capital has damaged my credit for two years, once I voluntarily surrendered my vehicle due to my partners terminal illness and the company not willing to work with me. I voluntarily surrendered the vehicle ( vin # XXXX ) XXXX Kia XXXX back on XXXX KMF continued to charge me until XXXX of XXXX they held the vehicle at their facilities from XXXX XXXX until they auctioned the vehicle, they have contacted me numerous times even filing against my credit and attempted to collect via debt collector only to finally dismiss the claim and remove it from my credit as of XXXX. KMF has been bought out by Hyundai Capital and Hyundai capital has been the one prolonging the rectification of this issue.
|
| 04/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I submitted my lease buyout on XX/XX/2022 and confirmed this been completed successfully over the phone on XX/XX/2022. I waited the five business days as instructed for my title to be released. When I called in today on XX/XX/2022, six business days after pay off, I was told the process for the title being released had not been started yet. They stated they would start this process and now it would take XXXX business days for the title to be released.
I have paid {$12000.00} to buy out my vehicle and Im unable to demonstrate ownership of this expensive possession due to the inability for the leasing company to provide my title in a timely manner. I am just a regular consumer who is has had to float {$12000.00} of my personal money.
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| 08/17/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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This pertains to the complaint # that XXXX was responded to by HMF. the company claims that " HMF attempted to contact XXXX XXXX on XXXX XXXX, 2017, but was unable to '', I would like to have all the copies of communications, on how this contact was attempted? what all processes the company followed to ensure that it meets the Fair Credit Reporting Act ( FCRA ) and how XXXX XXXX 's consumer financial rights were not violated by reporting negative credit information to the consumer reporting agencies without informing XXXX XXXX of this action? Why should HMF should not be sued in this case for apparent violation of the FCRA? Upon receiving the {$750.00} from XXXX XXXX, why did HMF failed to inform the remaining balance on the account?
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| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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XXXX before submitting the lease application to XXXX XXXX XXXX I noticed a significant decrease in my credit score, appeared to be caused by " XXXX XXXX XXXX XXXX and " Hyundai Motor Finance '' making initial inquiries of my credit on XX/XX/2023 Although I was approved by the above refenced lenders, I have not proceeded with the lease because the credit reporting bureaus keep sending fraud alerts about inquiries from these same companies!
Complaint : The companies appear to running credit checks on me without my consent.
Applicable Questions : XXXX. How do they run credit checks before I submitted the application?
XXXX. How do they continue to run credit checks on me after the application was approved?
XXXX. How do I stop it?
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| 09/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have a lease from Hyundai Motor Finance.
On XXXX XXXX, we moved from XXXX XXXX to XXXX. In order to be registered in XXXX Hyundai has to provide the title to the insurance company. I put in my title transfer request about 6 weeks ago and haven't had any updates. However, Hyundai has already increased my monthly bill because of the change of address/states.
Over this period the website says " Your request is currently being reviewed. Please allow up to 5 business days. '' I've tried several times to call and email and haven't had any response.
Ultimately, I need this title provided because eventually our insurance will drop me.
I'm worried because I've seen many, many online reviews of similar experiences with this vendor.
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| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 4 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
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| 12/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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My grandfather helped me buy a New 2020 XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2020. The list price online for the vehicle was {$22000.00} for the XXXX XXXX which is the lowest priced trim level, XXXX XXXX charged me {$34000.00} improperly inflating the MSRP, charging me for the XXXX XXXX XXXX XXXX ( {$35000.00} ) when I purchased the XXXX XXXX XXXX ( {$23000.00} ). I believe this is grounds for Auto Dealership fraud by Inflating the total purchase price above the invoice or sticker price, such as by concealing options I did not request, or by including other unapproved and undisclosed fees as well as bait and switching on the company 's website. I am requesting my loan to be adjusted and/or refunded.
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| 04/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I submited a auto loan application on XXXX/XXXX/2013 at XXXX of XXXX. The deal was XXXX finaliized that same day, or so I thought. Then XXXX came to my job under false pretenses and stole the original application from my car. Fast forward to now, I just saw that XXXX submitted my application to several financial institutions on that day and then on XXXX/XXXX/2013 without my consent. I disputed it with XXXX, but was told to call those financial insitiutions directly. I did and thy told me that they could not help me since I do not have an account with them. I called XXXX and told them then was directed to XXXX. I called XXXX several times, but the financial manager refused to take my call. I emailed the owner who has not replied me.
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| 01/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I contacted Hyundai Motor Finance on XX/XX/XXXX requesting an out of state title transfer for my lease as I recently moved to Florida. They said the DMV would receive it in ten business days. After eleven business days I contacted the DMV and they have yet to receive it. I contacted XXXX again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They keep giving us the run around about how titles is an internal part of their company and we are unable to contact them. They said they receive our emails and will send us a tracking number then they say they never got any of our emails from the above dates. I am paying for a car that I can not legally drive. This is absurd - I wish I knew this before leasing a car through Hyundai.
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| 03/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My XXXX XXXX XXXX suffered catastrophic engine failure in XX/XX/XXXX. I need a copy of my loan satisfaction letter from Kia Finance XXXX so that I can clear the title and sell the car to a company that made me an offer for it. Over the past month, I have made numerous calls to Kia Finance and was promised that they would send me a copy of my loan satisfaction letter, however, at this writing, I have not received it. I tried e-mail also and received no response. I also tried to get our Kia dealer to help to no avail. I would like a copy of my loan satisfaction or an explanation as to why I can not get one. I am emclosing a copy of the title with the lien attached and the vin number. Thank you in advance for your help in this matter
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| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This account was never paid late by me as it is reported. I returned the XXXX XXXX XXXX in XX/XX/XXXX and got a new XXXX XXXX XXXX. I was not responsible for pay XXXX payments. I only had a 36 months lease that is from XX/XX/XXXX to XX/XX/XXXX not XX/XX/XXXX. I paid the dealership and they was supposed to take care of the payment. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are a 30 day Late payment. The XXXX years I had lease with Kia I was never late with a payment.
This late payment is hurting my chance to lease or buy again with you. It is also hurting me from buy a home.
After doing so please provide me with an updated.
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| 06/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
Servicemember |
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In late 2012 Hyundai Finance let myself and my girl friend get a brand new XXXX XXXX from them. I was the primary she was the cosigner. She had bad created and needed help. So the plan was for her to make the payments I was just there to help her get the vehicle. We broke up and she got behind on the payments. I contacted Hyundai to help me locate the vehicle due to her moving to Louisiana. They would not help but continue to has me for payments. I told Hyundai I could not afford to pay the vehicle and wanted it voluntarily repossessed. After that it would go to auction and then I could try to pay off the debt and take my ex to court for the debt. Hyundai refused to collect the vehicle. Instead they called me daily for payments.
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| 01/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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Once again Kia Finance of America is at fault for messing up my account for the second time. I refinanced my loan with another company to get away from this terrible company. On XX/XX/2022, I called to check on the status of my overpayment check in the amount of {$1000.00}. The representative told me the check was NOT sent to my address, instead it was sent to Colorado! I DO NOT live in Colorado, I LIVE in Ohio! They have to complete a stop payment on the check to reissue it to me to my correct address. Due to this error, I am in a financial hardship!!! This company keep making errors on my account and not taking the fault for it which is effecting me! Please expedite my check!! Ive been waiting since XX/XX/2022 for this check!
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| 10/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have called and emailed Kia Finance about my new vehicle loan at least four or five separate times regarding excess payments I've made to my loan. The first five payments I made were more than the required monthly payment. The additional amount is to be applied to the principle balance of the car note. On at least four separate occasions I have called and asked that the additional payments I made be applied to the loan balance and not credited to future payments. Each time I call, I am reassured that the payments will be corrected and I will be notified when it's complete. I'm going on month seven of my loan and none of the additional payment amounts I made have been applied to principle. My requests are simply being ignored.
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| 01/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
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| 01/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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It's been over 30 days since i purchased the car cash in full and still have not received the title even though Florida statutes state the title must be received by the purchaser no longer than 30 days from the purchase date. I've gone back and forth with customer service too many times to count each time and told different things. I don't know why this has to be so difficult. The funds were taken out of my account a minute after I personally handed the cashier 's check to the dealer all I'm asking for is proof of ownership in return. I've submitted email requests; written requests done all they've asked with online forms etc. to no avail. It pains me that I even have to go this route but feel like I have nowhere else to turn.
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| 05/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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i leased this vehicle directly from a KIA dealership in XXXX. The vehicle is financed through Kia Motors Finance ( a/c # XXXX XXXX. For the entirety of the lease term the vehicle has been registered in the State of XXXX a few months ago Kia Finance sent me a statement indicating that I owed Texas personal property tax. At taht time, i called Kia Finance and explained that the car is registered in XXXX the rep requested that I mail a copy of the XXXX registration to Kia to rectify the matter. I complied with the the request. Now I see that Kia has reported me to the credit bureau for the unpaid tax. i called KIa but was unsuccessful getting through. I want my credit report repaired and the tax be removed from my account. thanks
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| 02/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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My lease ended on a XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I returned my XXXX and now lease a XXXX. I payed my property tax on the soul in full. I requested a abatement in XX/XX/XXXX. Over the past year. I have spend hours on the phone. Im on hold for at times 2 hours. I get transferred to different departments and no one helps me. I have faxed requested paperwork 10 times. In XX/XX/XXXX I was promised the abatement was sent. I called today again on hold over an hour. Transferred to 3 different departments and was told. The abatement was filed XX/XX/XXXX. I am totally disgusted. I pay my lease on time but have to wait a year for {$100.00}. May not be a lot to you but I work extremely hard for {$100.00}. Please please help me
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| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
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| 05/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
Older American |
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Re Hyundai Finance. I returned my lease car at end of lease. I was given the final amount owed to complete the lease end. I paid {$1300.00} by credit card XX/XX/2020. Later I was informed by letter an adjustment was made to my account and created a refund due me in the amount of {$650.00}.
I have called Hyundai Finance 8 times to obtain my refund. The customer service agrees Im owed a refund but its handled by payment processing department. However each time Im told they cant transfer me to that department and had no phone number to reach the department. Further they deny request to speak with a supervisor stating Supervisors dont take calls.
Can you help me get the money owed to me? I appreciate your help, thank you XXXX
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| 10/22/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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After reviewing my credit report, this company has reported to all credit bureaus that this account has been charged off as bad debt. Before any erroneous reporting was done, I had a payment plan established ; pay balance in full before XX/XX/2018, and everything will remain in good status. I paid this account in full, and also verified with the company. They never added my payments towards balance owed, and this was paid in full way before XX/XX/2018. I sent multiple letters to the credit bureaus requesting that the credit agency send me information on how this account was verified ( which they said was ). Nothing was sent to me and this is still on my credit report. They have not complied with the Fair Credit Reporting Act.
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| 05/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I already filed a complaint with this agency under XXXX Kia Motor Financial stated that they could not find my account when you company contacted them but was able to find it when I contacted them. I hung up on them. I am frustrated with their company and practices.
As stated in my previous complaint this was my ex husband 's vehicle that I was asked to cosign on because he did not have any credit. We separated and he started missing payments then ultimately he go the car repo. I contacted Kia monthly to try to get a resolution and all they kept telling to do is pay for a car that I was not in possession of with a man with a violent history. In our divorce decree, my husband was declared responsible for paying the car note.
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| 02/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
|
XXXX XXXX failed to properly mail me the monthly invoice. This has happened in the past also. They have a hard rule : only one late fee waiver per length of loan ... even if it is their fault. I have attempted numerous times to speak with CSR 's and supervisors and continue to waste my time getting the same company response, I would venture to say ... that they can do or probably this intentionally to create yet another income stream or revenue source from poor unsuspecting customers ... just like XXXX did with the XXXX battery. My credit rating is important to me ... but more importantly is the way a company treats its customers ... go online and type in XXXX and see all the unhappy customers that have filed complaints.
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| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Hyundai Capital America and XXXX XXXX. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
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| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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Kia Motors Finance is incorrectly reporting that I have several missed payments which is incorrect. We ask for and were granted a Covid-19 deferred payment for XXXX and XXXX. Every other payment this year has been on time. Kia claims that there was some type of glitch in their system which kicked out our deferment and also has every payment showing as late on our credit report. Just last month, every payment for this year has been on time. We have called Kia several times and they give us the run around. They have reported this false information to all of the credit bureaus. After some research, it seems Kia is and has done this to several customers. I'm looking to buy a house and my credit score has dropped 60 points.
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| 01/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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I have had a lease with Hyundai Capital America since XXXX 2017. I have been paying my monthly payments faithfully since! I received a credit limit decrease notification from XXXX on XX/XX/XXXX. They " lowered '' my credit limit to {$21000.00}. This I do not know why they did this as I am still paying on the lease. I am in a 4 year lease and pay on time every month. I feel they should not have done this because my credit score went down 15 points!!! This is not fair to someone who pays their bills on time and is trying to increase her scores!! I contacted them and the representative told me that they are reporting what my current balance is with them. They need to fix this issue ASAP. I hope you can help me. Thank you!
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| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Hyundai Capital America and XXXX Card. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
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| 07/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
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XXXX XXXX XXXX - ( XXXX ) XXXX Monday XX/XX/XXXX XXXX : Called to tell me I had missed a payment. I checked my records and indeed, I had missed a payment because I didn't get a statement. I promptly downloaded a copy of my statement and made the missed payment, and the current payment. Since then, they've called my mobile phone three times, they called me at work twice, and they've called my home land line twice.
When they called me at work, they would not tell me who they were, so I hung up on them and XXXX the number.
I sent in the payment almost 4 days ago, and I told them I would. I feel like they're harassing me and I want them to stop. I've made at least 60 payments without fail and they're not being nice.
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| 11/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
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Kia Motors Finance overcharged me for excessive wear at the end of lease. I wrote them several letters and included quotes from repair shops which indicate the over charge. The threatened to report me to the Credit Bureaus and I sent them another letter restating my position. They finally came back with a reasonable settlement amount, which I paid according to the deadline they indicated on the letter and Kia Motors Finance went ahead and reported me delinquent to the Credit Reporting agencies. This was totally unfairly done and I still have this on my credit report. I would like this removed. Kia Motors Finance was found guilty in a court action of improper and unfair credit reporting practices, that I experienced.
|
| 06/18/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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|
Hurricane Harvey flooded the car out in XX/XX/XXXX, the insurance company considered car as " Total Loss '' in XXXX. The car was paid off with a balance owed of 1month, for deferred payment, and another part of {$160.00}. ( for putting the wrong part on car from previous accident ).
After updating my history with KIA MOTORS, the account was still " opened '' on my report in " good standing '' as of XX/XX/XXXX. After requesting an update, they put my account as " Charge off '' and not paid since XXXX for over {$1800.00}. The insurance company sent a payout to KIA MOTORS on XX/XX/XXXX.
This was a result of a NATIONAL DISASTER and i feel as though KIA MOTORS is taking advantage of a hardship that we all felt in XXXX
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| 02/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I have canceled service with the dealership, and I got a refund for the amount of {$2200.00} posted in my account. However, the account paid off. The refund check was supposed to be mailed out to my address after a month from the date it got posted on the account, XX/XX/XXXX. Today 's date is XX/XX/XXXX and the check still pending. Every time I reach out to customer service ( XXXX ) XXXX, the only answer I get is the " We will send out a follow-up email to the payments department '' or send out a service request. When I follow up on those emails or service requests, the answer I get payments didn't respond " we will have to send a new email '' I have submitted a complaint through XXXX XXXX XXXX twice and no answer.
|
| 04/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
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|
On first week of XX/XX/XXXX My aunt and me went to Kia of XXXX to see if she gets approve by the dealer to get a car, they checked and said she do not qualify so they check my credit and said I did qualify, but I already had to loans with them but they insist the after one year I was able to put the car under my aunts name and I was going to be out of the loan, in XX/XX/XXXX we went to check that to do the change of name in the car but They said that they can do that that is imposible and so many excuses the reason why I signed for the loan was for what they told us, I need to get the car out of my name and ghey do not want to do anything, I do not know why they are giving false information. Thank you for your time
|
| 07/02/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
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|
I leased my car with XXXX XXXX. I gave them a
check for $XXXX for down payment of a new car. I was called in their
office and they changed the terms on me. In addition, I found out from
KIA FINANACE that I was over billed for $XXXX. I put a stop payment
on the check immediately. I went back and forth
with the dealership to try to resolve this matter. I got the run around. It
took several months after calling their corporate office and complaining
to KIA headquarters. I have paid this debt and they have reported to the
credit report agencies. It was their lack of integrity and unwillingness to
resolve this issue in a timely manner after also jacking up my
monthly payment by having me re-sign new papers.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Kia finance is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market.
3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information.
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all 3 agencies and causing emotional stress
|
| 06/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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|
In XXXX of XXXX my boyfriend went to get a car from XXXX XXXX Hyundai. They told him to sign up for a Program that would allow him to get a new car, keep it for XXXX, then trade it in once his credit had gone up. All he need was for someone else ( me ) to co-sign and their name would drop off when turned the car back in. When he went back in XXXX, they told him that the company had been bought out by XXXX XXXX Hyundai and there was nothing that they could do about it. The car ( XXXX XXXX XXXX XXXX ) we got is valued at XXXX brand new. Were paying XXXX for a basic model car. My boyfriend has sense passed away and Im stuck with a car that is not worth the note. Im not sure what can be done, but this is not right.
|
| 12/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX I am making a formal credit dispute for my terminated leased XXXX XXXX XXXX. I returned my lease vehicle, and was informed my wear and tear would cover most if not all of my incidents. While I was waiting for the adjustment applying my Wear and tear coverage to what was owed {$1400.00}. This took place over several months due to Covid 19 delays which resulted in my account being turned over to collection while I waited the response. Once receiving the updated bill of {$52.00} I made prompt payment in full. The result of this delay caused my credit report to be delinquent of 90 days. I have NEVER missed a single payment during my entire lease. Please update my report at your earliest convenience.
|
| 12/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Hyundai motor credit & Gap insurance were notified XX/XX/2019 the car was totaled. The Insurance company paid out the loan.
On XX/XX/2019 Hyundai claims they sent Gap insurance the paper work to pay off the remaining balance.
Gap insuranse claims they never recieved it to satisfy the loan.
Hyundai stated to gap ( verified address ) they will agin send the paper work XX/XX/XXXX XX/XX/2019, I recieved a letter from Hyundai dated XX/XX/XXXX, that the debt has not been satisfied. My credit report now has XXXX non payments listed from them.
What can I do. The Gap insurance is still waiting to recieved the paper work from hyundai to resolve the balance, meanwhile I will get another non payment in XXXX XXXX XXXX
|
| 04/19/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
The complaint is against XXXX XXXX XXXX. They take interest out of extra principal applied each month. I called in to correct it and was told that customers have to call in to correct it each time. My question to them was why should a customer have to call you each time? 2nd- what if I never called you? I want to know if a customer never calls you about extra money sent for principal- what happens to the interest you deducted? Does Kia keep it if I never call you? I think their current system promotes loan fraud and should be investigated. I contacted them XXXX18 and they could not answer my questions. They did say they would correct my payments, but I have not seen that applied. I need to know what the ETA is.
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Hyundai XXXX XXXX Credit Reporting Failures Company Furnished Inaccurate Account Information to Credit Reporting Companies, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases.
I had an issue with XXXX where i updated my address with them twice over the phone and also updated online. Then i was told that i had an excise tax ma sent to me that i never received. Comes to find out they sent to my old address, that was updated months ago by phone and online. So they decided to throw the excise tax into my month car payment claiming that i missed my leased payment. Wrongly XXXX me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX to the credit bureau as we been making late payments.
|
| 10/29/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased a vehicle with Hyundai motor finance for a period of 48 months, that lease ends in XX/XX/XXXX of this year, I made the payment to Hyundai motor finance directly from my bank account every month, I dont miss a single payment during that period.
The point is that we were in the middle of novel Covid-19 pandemic and the XXXX XXXX were closed, reason that not allow me to return the vehicle on time. In the night of XX/XX/XXXX they send a tow truck to pick the vehicle, I dont them money and now my credit score is ruined, because Hyundai flagged my account as a repossession with the credit bureaus, I have being hurt by that action in my credit files and in a loan that I was trying to get for my Business!
|
| 03/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved.
In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
|
| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
My wife and I purchased a XXXX Kia XXXX and XXXX Kia XXXX the same day in XX/XX/2022 from XXXX XXXX XXXX. The XXXX was a lease and the K5 a purchase, which was financed through Kia/Hyundai finance entity .
Apparently, the title for this XXXX was issued with Hyundai Motor Finance as the legal owner initially, and around XX/XX/2022, the title was transferred from Hyundai Motor Finance to Kia Motor Finance. Apparently, paperwork for that transaction was incomplete and it was rejected by the CA DMV.
We now have a registration hold upon the vehicle and can not legally drive the vehicle. Efforts to secure the documentation requested by the DMV within this letter have continued to be ignored by Hyundai.
|
| 10/28/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 03/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I submitted to all three credit reporting agencies and to Kia finance itself. They told me sorry we put you as current. But my report is showing a NR. That is not the case, I never missed payment either of those months. They take said payment right from my bank and have for 3 years and five months. My report should reflect that. I have since paid down multiple accounts and my report is still only up XXXX points. But when Kia reported delinquent payments it took me from around XXXX down to XXXX. I dont miss payments and I wont them to report that they made a mistake to the three reporting agencies. They said they mailed a letter, but the letters not come. Who helps me and why is this so difficult to fix.
|
| 02/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
I could not afford the car payment and called Hyundai who was the lease holder and asked what would happen if I gave the car back. I was told by a gentleman on the phone that if they sold the car for more than I owed in arrears and for the remainder of the lease I would be fine. That is not the case. They say I owe over XXXX XXXX? And are still reporting it. I have tried to get it removed by disputing it I have even paid companies to try. I think it wasnt right what they did almost 4 years ago and are still doing to me after they said I would be fine. And I know that they got more for the car then I owed it was in perfect condition. I was mislead and may have been able to work something out to pay them.
|
| 01/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX I paid off lease account number XXXX in full to purchase a XXXX XXXX XXXX on XXXX website and I faxed over mileage odometer statement. I spoke to XXXX at Hyundai Finance XXXX on XX/XX/XXXX and she told me payment was received on XX/XX/XXXX and title should be mailed out on XX/XX/XXXX. I have since been talking with XXXX Hyundai in XXXX where I originally leased vehicle to XXXX in Finance department XXXX regarding title that was lost in XXXX and duplicate registration fees of {$260.00} that are owed to me that paperwork was never returned to DMV before she started working at Hyundai. XXXX said she submitted application for duplicate registration fees and is about to submit title paperwork.
|
| 02/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I leased a vehicle from a XXXX car dealer on XXXX/XXXX/XXXX. As part of the transaction I returned a XXXX XXXX leased vehicle early. Original lease maturity was XXXX/XXXX/XXXX. As part of the transaction I paid {$2000.00} down and approximately {$2500.00} upon delivery of the new vehicle. Never once did the dealer inform me of any additional charges connected with the transaction. On XXXX/XXXX/XXXX I receive a letter ( see attached ) from Kia Finance demanding {$660.00} additional to satisfy the lease. I called the car dealer and they informed me that they submitted approximately {$1100.00} to Kia Finance. I called Kia Finance to no avail. This appears to be a violation of the Dodd Frank XXXX provision.
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$0.00}, HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$0.00}
|
| 01/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
The car was totaled out in XX/XX/XXXX of 2020. A check for the car was sent on XX/XX/XXXX for an amount of {$8400.00}. When the check failed to arrive the first time a second check was sent out on XX/XX/2020 in the same amount. I have contacted Hyundai Motor Finance about this on numerous circumstances and was given a run around. Today when I called I was told that my insurance needed to still send in a couple of documents still. I emailed my adjustor and he said that they were already sent in to HMF. I called back within 30 minutes and was told that they were closed. I had my father call and he was given the same run around that I was just given and know can not get in contact with them again as well.
|
| 07/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company repossessed car without proper legal notice. Received a different response than the one provided as an answer to my complaint. Very abusive over the phone asking for {$420.00} in repossession fees. I invoked my rights under 15 USC 1692 c. I was told that my account needs to be " current '' before I would be able to get my property back. I disputed the validity of the debt and they stole my property, lied to you, and basically said that I need to pay or they are selling my car in auction, which can occur anytime. When I contacted the assignee, they said that I had to pay before they would say where the car is.
I am being extorted, abused, and terrorized by this company for invoking my rights.
|
| 07/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
On or about XXXX, XXXX, I returned a XXXX KIA XXXX at lease end in pristine condition inside and out with XXXX miles less than the contracted miles. KIA appeared to be annoyed that I did not give them repeat, successive business. From a third party collection agency, I found out that KIA had a {$2000.00} claim which was not satisfied, never notifying me details.
Verbal telecon info from the collection agency indicated claim items were padded and some outright lies and embellishments. This was reported to XXXX, whose response were in the form of form letters and questionaires. They did nothing, but knock down my credit score from XXXX to XXXX I contacted both KIA and XXXX. Both replied apathetically..
|
| 07/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/18 I signed up with XXXX XXXX auto pay option. I used the web site and agreed to the option to withdraw the total amount due. During the month of XXXX I made three payments ; the 2nd of {$550.00} the XXXX of {$300.00} and again on the XXXX of {$350.00}. I received an email stating that my XXXX payment as been met and that my next payment of {$460.00} was due on XX/XX/18. On XX/XX/XXXX auto pay attempted to withdraw the monthly payment of {$550.00} which caused a NSF charge on my account. I spoke to many customer service agents and they insisted that I signed up for the regular monthly amount and I should have read the fine print, but could not tell me here the fine print was or what it said.
|
| 02/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
To whom this may concern : I am having an issue with XXXX XXXX requesting my title, I contacted them and spoke to XXXX whom stated to fill out online email that I need copy of the title to do state to state title transfer. I submitted it and now called a month later and was told it was rejected. Now I need do start the process over with another set of guidelines and only have a couple weeks to get this resolved since my vehicle reg. expires. No one called or emailed to let me know the issues. I just spoke to XXXX a supervisor who stated good luck here is another set of documents needed. I asked to speak to a manager over titles to advise of my situation she refused said no. No customer service .....
|
| 02/01/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
THE HYUNDAI FINANCIAL SERVICES SENT MY ACCOUNT TO COLLECTION AGENCY WITHOUT SENDING ME THE BILL THAT I OWE AND NEED TO PAY TO HYUNDAI FINANCIAL AND WITHOUT GIVING ME THE NOTICE THAT IF I WILL NOT PAY THE BALANCE THAT I OWE THEY WILL SEND IT TO COLLECTION AGENCY. SECOND THE COLLECTION AGENCY NEVER SEND ME ALSO A LETTER OR NOTOFICATION BY MAIL. UNTIL ON XX/XX/2016 I RECEIVED A CALL COLLECTION AND I WAS SHOCKED SINCE I AM NOT AWARE ABOUT THE DEBT. IT WAS A LEASE CAR THAT I RETURN AND THEY ARE COLLECTION THE WEAR AND TEAR AND THE INSURANCE IS RESPOSIBLE IF PAYING AND I DID FILE THE CLAIM. BUT IRREGARDLESS OF WHO IS RESPONSIBLE OF PAYING. THE DEBTOR NEED TO SEND A BILL OR NOTIFATION AND CALL THE CONSUMER
|
| 04/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I currently have a 3 year lease with Kia Finance Company, due to the international pandemic occurring due to COVID-19, my husband was laid off of work. We are currently supporting ourselves and our child on one income as we await unemployment benefits for my husband. I called Kia to request an extension on my monthly payments and explained the situation. The representative informed me they are only offering assistance to the person holding the lease if they fully lost their job and will not lower my payment or provide me with an extension to pay. I requested to speak to a manager who was not available to speak with and was told I would receive a call back which at this time I have not received yet.
|
| 10/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I turned my lease in on XX/XX/2019. To the Hyundai dealer. On XX/XX/XXXX I sent the vehicle return receipt to Hyundai motor finance, XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, to request an abatement on the property tax I paid. I sent in the plate return receipt on XX/XX/2019, I have talked to 4 people since then on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They say they have all the paperwork but nothing is updated on the system for a refund. The last lady I spoke with XXXX was very rude. She said it can take months to get a refund. That is unacceptable. I do not know what else to do. Please help. The personal tax I paid was XXXX. I know I will only get part of that back. Thank you XXXX XXXX
|
| 10/14/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a leased car which I returned early because my student loan payments are suffocating me. I was never told that returning my car would result in a {$3200.00} bill when I only had {$1200.00} left on my lease. Hyundai was negligent and deceptive by not informing me of what the consequences would be if I returned my car. Additionally, Hyundai started reporting a delinquency on my credit report. I am not delinquent. I have always paid. I paid until I returned the car and when they sent me the {$3200.00} bill last month, I have since made a payment on that as well. They need to remove their tradeline from my credit report. I did not have one derogatory mark on my credit bureau until this incidence.
|
| 03/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX, KS on XX/XX/2020. On XX/XX/2020 I refinanced the loan with my credit union XXXX XXXX and was sent a check for {$37000.00} to pay off the Hyundai Motor Finance loan, which was mailed on XX/XX/2020. As of today, XXXX is advising me they have never received the check, although I've faxed and emailed them a copy of the check they endorsed and cashed. My credit report has now been affected and I've disputed the claim with XXXX and XXXX to no avail. I have reached out to Hyundai Motor Finance several times and keep getting the run around. I need to have the lien released so I can add my credit union to the title and this matter resolved ASAP.
|
| 02/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My mother recently passed away and I have been on able to find the title to her car. I called them send her death certificate with her beneficiaries name they have told us three times this is all they need to send us a letter there is no lein on the car. I was starting to get confused because my mother has all her she has receipts from grocery stores that dont even exist anymore. So I called them and asked when the original title was mailed out they told me XXXX of XXXX. I said no that is wrong she got really defensive and hung up on me. The car was paid off in XXXX of XXXX they never mailed my mother the title. Now we need it to move the car we are racking up fines. They are being very unhelpful
|
| 05/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My loan with Hyundai Motor Finance was paid off in XX/XX/2020. Unbeknownst to me, they never released my title. I have put in numerous requests for my title to be released. Every representative gives me the same story. There is no direct communication access to their title department. I can not receive my title or a release of lien letter.
This has caused a great hardship to me. I am trying to sell my vehicle but can not. I was literally in the middle of a transaction of a {$16000.00} transaction that fell through because I can not get access to my title. This 2 year delay is inexcusable.
I am desperately asking for someone to expedite my matter and provide me with a release of lien letter.
|
| 06/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I got the lease from XXXX with the title and loan held by Hyundai Motor Finance co. I moved to a different state and the new state requires that I transfer registration and licence to the new state within 60 days. In order to do that I need to get a copy of the title and be given power of attorney so I can go to my states DMV and do the transfer. It has been over a month and half of me calling, emailing, sending them requests on their proprietary system to no avail. I am at wits end as to how to resolve this as I will soon be unable to drive my car since the 60 days will be over.
This seems to be a common complaint that people have with Hyundai Motor Finance where they don't release the title.
|
| 01/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have had a loan with Hyundai Motor Finance for several years. It is a fixed rate closed end fully amortized loan without prepayment penalty, On XX/XX/XXXX I was involved in an accident. Today my insurance company declared the car a total loss, so I will need to pay off my loan balance. I spoke with several supervisors at Hyundai who all insist that my payoff is {$7200.00}. The problem is, if I keep my loan through the 17 months remaining I will have paid out {$7200.00} ( XXXX monthly ), including principal and interest at 9 %. Clearly their payoff calculation can not be correct as it is even higher than total payments!
They are unwilling to adjust the figure to my principal balance remaining,
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
The Hyundai credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. XXXX, before the Consumer Financial Protection Bureau XXXX
This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with Hyundai. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that Hyundai reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with Hyundai from XXXX.
|
| 07/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I paid off my loan in full on XX/XX/2021. I called after XXXX days to ask where my title was, and was told it would arrive in XXXX days.
A month passed and I called again and was told " the account wasn't closed correctly '' and my title would arrive in XXXX days.
Every single month since then I have called when I receive a statement in the mail and am told the EXACT SAME THING.
I tried contacting the title department and was told they don't handle those requests and was transferred to XXXX ( my car wasn't leased ) who then transferred me back to customer service who said my title would arrive in XXXX days.
Now, almost XXXX months after paying off my car, I still do not have my title!
|
| 10/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I fully paid off my auto loan on XX/XX/2023 for a XXXX XXXX XXXX with Hyundai Motor Finance. I have repeatedly contacted Hyundai Motor Finance, specifically their title department and they have not agreed to request a car title that shows me as the sole registered owner. I even filed this issue with the XXXX XXXX XXXX and they have responded with generic responses saying " they are working on it ''. It has been 6 months since I have paid off my auto loan and I still do not have a car title that shows me as the sole registered owner.
I have even tried to resolve this myself by filing a case with the DMV but without the proper signed paperwork from Hyundai, I am unable to resolve this issue.
|
| 03/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
I traded in my vehicle before the end of my lease.
The dealership where I purchased a new vehicle paid off the total amount due at the time of trade in.
I received a letter from Kia Motor Finance America stating the lease has been paid in full and any obligation has been satisfied. I also received a refund check from Kia Motor Finance for a refund about of {$130.00} due to overpayment on the payoff. Upon attempting to deposit that check it bounced and I incurred a {$12.00} fee.
I continue to receive weekly or biweekly collections calls about the lease. On multiple of these calls the agents have stated they see the full payoff amount and they will notate the account, yet nothing changes.
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I value you setting aside some margin to UPDATE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and XXXX credit bureaus to confirm this records ( 1 ). ( A ). I'm hoping that these disputed accounts get updated.
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I tried to finance a truck, as I was asking please if it's possible to run soft credit not hard XXXX, they promised, yes for sure we will do that after few days I was shocked when i saw my credit falling down around XXXX points, as i called them and I said why this is happened, as i got promised it will not, they said we are so sorry we will come back to you, until now they didn't.
otherwise, this happened for me before 1 year with another company for the same reason they were lying, and they run my credit hard without asking me even I told them what i need.
so please with my highly respect and if there is a chance to remove both of this inquiry from the dealers that I go it unfairness..
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Kia Motor Finance assessed several months of delinquent/late payment reporting on my credit report. This delinquent reporting was done for the months that were after the account was closed and the title issued. Account was never late. Credit report shows that while the account was open, the account was never paid late.
I have tried to dispute through the credit agencies, no solution. Wrote multiple letters to KIA with the return response in a form letter stating that they are correct. How can payments be late after the account has been closed. The late reporting is affecting my credit score and I would like it removed. I believe they are in violation of The Fair Trade Credit Reporting Act.
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| 02/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Brought car back to kia dealer on XXXX and the car sat at dealer for over XXXX XXXX months waiting for inspection. ( due to Covid i was told ) called Kia Mtr Fin and kept calling to find out the final balance to pay which was {$900.00} and it was paid in full.Kia contacted me finally XX/XX/2020 XXXX months after calling the company XXXX times and told me that being i was late its considered A Charge off /paid in full.i asked why it was consider a charge off and there reply was thats company policy.i wanted the charge off removed off my credit reports so when i sent in the forms to credit Bureau it went from charge off to /paid i would like this to say paid as agreed. sincerly XXXX XXXX XXXX
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| 05/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Kia Motor Finance has a collection on my credit file being handled by XXXX XXXX XXXX. I made an arrangement to settle the debt with XXXX where they agreed to remove the remaining balance from my credit files. They did NOT REMOVE THIS BALANCE. I have disputed the balance with all three credit bureaus and filed a cfpb complaint for that process.
I am filing this complaint against Kia Motor Finance because section 623 of the FCRA provides the SAME 30 DAY TIME FRAME for handling disputes for the data furnisher that it does for the credit bureaus.
It is a violation of federal law to leave a balance owing when I settled the balance in full with an agreement to remove it.
Account number XXXX
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| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am refiling this complaint to KIA FINANCE AMERICA for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
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| 06/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I dropped my car off to Plaza Kia located at XXXX XXXX XXXX XXXX NY ( XXXX ) XXXX on XX/XX/2023, at XXXX. I contacted them on XX/XX/2023 to see what the issue was with my vehicle, and they stated I needed a new transmission in which they would need to put in a code through Kia internal system to receive approval to fix my vehicle at no cost to me. I've been calling the service department weekly since my car was dropped off. They are telling me the system is down and they could not provide me with a date it will be fixed. I'm paying car notes for a car I do not have in my possession, and they are unwilling to provide me with a loaner car until my car is fixed. Please help me with this issue.
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| 01/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My car was totaled in XXXX of 2022 .Hyundai would not send XXXXo a pay off letter I fought with them or three weeks before they gave it to me and I had to give it to XXXX So XXXX sent them a check for what they said the payoff was. Then it took them three weeks to apply the money to my account so when I seen it payed off I seen a overpayment so when I called them they told me it would take 45 days before they sent me my money I told them that was not good enough so I got the XXXX involved then they call me the next day and said they sent the refund to XXXX I told them that money was mine not XXXX I called XXXX they said the same thing the money was mine XXXX only paid what they said to pay
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| 07/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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ISSUE WITH HYUNDAI MOTOR FINANCE My banker at XXXXXXXX XXXX XXXX XXXX my lease balance XX/XX/XXXX after I sent an odometer statement on XX/XX/XXXX. I have not received the title.
I contacted Hyundai Motor Finance in XX/XX/XXXX and numerous other times ( sorry, I had an email glitch that erased old emails I was saving ) before my banker got involved and contacted them numerous times via phone and email.
They continue to tell me that they have not received my signed odometer statement, though I have emailed it to the address they requested and faxed it to the number they faxed. The latest instance happened today. I emailed them a signed odometer statement to the email address they listed.
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| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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Lease buyout completed XX/XX/XXXX, no title as of XX/XX/XXXX. Numerous calls to Hyundai finance with escalations and emails to title dept. Hyundai finance states they are waiting on dmv. I called dmv and they said they have received no request for anything since the vehicle was paid off. Dmv states last request was in XXXX. Hyundai states last request was in XX/XX/XXXX to correct some discrepancy from when i moved to different state. So the numerous calls i made since buying out car about the title was info from XXXX with no new inquiries to the dmv from XXXX. XXXX says they are waiting from XX/XX/XXXX for the dmv to tell them what they need to correct title. I got through to dmv today...
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| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I am writing to file a formal complaint against Kia Motors Finance regarding an unresolved dispute and the inaccurate listing of an account on my credit report. On XX/XX/2023, I submitted a dispute letter to Kia Motors Finance regarding the account listed under the account number XXXX. As of today, I have not received any response or acknowledgment from Kia Motors Finance in regard to this dispute.
This lack of response and failure to address my concerns is in direct violation of fair credit reporting practices. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and fair investigation into disputes regarding inaccurate or incomplete information on my credit report.
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| 05/14/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I paid off my lease with Kia Motor Finance in XX/XX/XXXX. I purchased the car from XXXX XXXX XXXX in XXXX WA who set up the lease. I completed the odometer statement in XX/XX/XXXX. I've never received my title. I've called 3 times over the year and each person couldn't figure out why I haven't received it and said they would send it again. On XX/XX/XXXX the person said the odometer statement was denied. She reviewed the statement and said she doesn't know why it was denied because it's was completed correctly. She said she will email the odometer team. I have no faith that after my fourth 20 minute phone call that I'm any closer to receiving my title that should have been sent XX/XX/XXXX.
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| 11/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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My statement does not reflect anywhere what my interest rate is. When I log online, I have to go fishing and click everywhere to finally find it under my details section. When I applied for the vehicle I feel like the 5 % interest rate was super high for where my credit score was at the time. I also was told that I had to use Kia Financing and was not aware that I was able to use other auto financing options with other lenders in order to determine who would be able to offer me the best rate. I feel taken advantage of and now feel stuck with a much higher rate than what I could have gotten if XXXX XXXX XXXX XXXX was honest and let me know they could've checked with other banks on offers.
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| 12/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I refinanced a lease vehicle and hard inquiries were sent to several financial institutions. I was not aware that this would happen, only after the fact. While I do no think it was the dealers intention to wreak havoc on my credit report, it certainly was not a necessity to inquire with several different institutions, since at the time of financing my credit score was " Good ''.
I am requesting that the hard inquiries, as follows, be removed : XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
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| 10/25/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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hyundai finance trying to bill me for excise tax on XXXX for car returned in XXXX told them they were the only people that could get an abatement as they are the owner of the car took them 6 months to apply for the abatement and they have recd there mony but are still lying and messing up my credit i repeat they got paid they made my 36 month lease into reporting paid as agreed an extra 5 months and then 3 more months as late payments wrong so they commited fraud knowing they applied for the abatement and continued to charge off on my credit report and they got paid listen i returned the car to hyundai in XXXX of XXXX im not the owner in XXXX they got ther abatement now fix my credit or
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| 07/02/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Shopping for a loan or lease
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Web |
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I traded my XX/XX/XXXX KIA OPTIMA LEASE for a new XX/XX/XXXX HYBRID OPTIMAon XX/XX/XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.
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| 03/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a new XXXX XXXX XX/XX/22. The finance staff at the dealership spelled my last name wrong on the the paperwork. I have made several calls to Hyundai Motor Finance Customer Service ( HMFCS ) and sent them the documentation they requested and they still have not made the name change.
I wish to payoff the vehicle but I can't since the title would be incorrect thus incurring additional finance charges. I am having trouble registering my vehicle since the name on the paperwork does not match my correct name.
I have been told my supervisors at ( HMFCS ) that they can do nothing until someone in XXXX XXXX TX. contacts them and the can not reach anyone there to make the change.
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| 06/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I paid off the loan on my XXXX XXXX XXXX ( XXXX XXXX ). I have called Kia Finance Customer Service repeatedly asking them to release the lien so that I can sell the vehicle. For 2 months I have been told that all they can do is email the title department. I have asked to speak with the title department directly and was told that they don't speak with customers. I was told that the lien would be released on XX/XX/XXXX. As of today, the lien is still there. I can not get a title. I can not sell the car. They acknowledge that the loan is paid in full - yet there is no one who can get them to release the lien or send the title. It has been 2 months since the car was paid off.
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| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I got a loan with Hyundai Motor Finance Company and they have put incorrect information on my credit report. I've called multiple times and they still keep giving me the run around. Talking you can't talk to no body there about the problem over the phone. You have to send a letter to their P.O. in XXXX XXXX California and wait 2 months for them to get back to you about the problem. I had a XXXX XXXX to call then to verify that according to my payment history the information they posted on my credit report is incorrect. But they wouldn't answer any questions concerning the matter. Which is causing me a problem with my home loan process. I wouldn't recommend XXXX XXXX XXXX to anyone!
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| 09/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Hello Complain department Today I, am writing this complain in extremely frustrated condition, I paid my buy out quote on XX/XX/2021 to KIA Motors Finance, and since than waiting for my title, but every time I call to them, their customer tell me another story, I send hem payment on XX/XX/2021 XXXX email Odometer Statement XX/XX/2021 on email which they provided me XXXX And XXXX They were not checking their email and was keep asking me statement again and again, I sent statement many times from other email address too.
Management, please help in this situation to get y tittle, they are making me to run here and there.
KIA Account Number XXXX Your cooperation would highly appreciate
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| 02/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I negotiated a new lease on my XXXX XXXX with XXXX XXXX in XXXX XXXX, Florida. Despite a 3 hour negotiation none of the XXXX employees advised me that my lease for the new car would overlap the last month of the old car. This resulted in my making two payments in one month for one car. If I had known I would have opted to either negotiate that XXXX pay off my last payment or I would have opted to wait a month before signing a new lease.
The result is I paid {$250.00} to XXXX for a car I had returned during the signing of a new lease. I feel this practice was either deliberate or the sales personnel were to eager to sign a new contract that their attitude was the consumer be damned.
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| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
Older American |
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Three weeks ago, I contacted Kia Motors Finance to receive the title for a XXXX KIA XXXX purchased by myself and my son, XXXX XXXX. Each time I call, the system prompts me to make a payment even though the car has been paid off and there is no remaining balance.
I was told that title would be released and I should receive it in a week. We have not received the title and need to sell the car asap. Within the last two days, I have been trying to reach someone in customer service, only to be passed from one person to another and finally disconnected. I would really appreciate your assistance in resolving this matter. The VIN number for the car is : XXXX KIA XXXX VIN : XXXX XXXX XXXX
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| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I lease a car using Hyundai Motor Finance, I joined the military and did a early lease termination. A year later Hyundai motor finance report 3 payments over 30 days late, after numerous phone calls, I contested it with the credit bureaus and 2 of the three were removed. Now however they refuse To remove the final late payment which is incorrect information because I was never late. Ive sent 2 certified mails with a copy of my credit report, a copy of my payment history that I got from their website and my bank statement showing date of payment but havent gotten any letter back and when I call costumer service they are saying they have no phone number for the credit reporting dept.
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| 09/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I was behind on my loan payments but have brought them up to date. Kia will no longer mail me my bills said something about closing out the account. They still want payment but wo n't send me anything.
I asked twice for a close out letter so I can refinance with another company. My first request was XX/XX/XXXX they said it would be mailed that day but could take up to 10 days. I called back on XX/XX/XXXX since I did n't receive the letter, confirmed that they had the right mailing address, they did. They told me they sent the letter that day. I asked to send another letter and that was on XX/XX/XXXX, still no letter. Everytime you call Kia you are on hold for at least 40 minutes.
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| 06/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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On XX/XX/, I paid just over XXXX to Hyundai Motor Finance in XXXX Texas. They requested an odometer statement. I did it and got confirmation by docusign same day XXXX. XXXX asked about XXXX times and I filled it out on XXXX, XXXX, and XXXX of XXXX. I called several times. Finally hmf said they received it but I havent received the title. The buyer of my vehicle is threatening to walk away and I dont blame him ; they sold their vehicle already in anticipation of my vehicle sale. Please help! XXXX took my money immediately and I have no proof of actually owning my car and this have no ability to sell it. Ive already bought a new vehicle and am paying double insurance! Please help!
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| 07/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
Servicemember |
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Account : XXXX This company has been harassing me since I finished paying my Chapter XXXX Bankruptcy.I was late two months and phone calls and even letter saying that my piece of junk, they call it car, could be repossessed. I know that, for not paying they could definitely do it. My last phone call with them I explain that I would bring account current by the end of XXXX, I made three payments, last one will be withdrawn from my bank on XX/XX/18. I explained that due to loss of a family member and my brother loosing his job to give a break! They still mailing me this harassment mails to simply remind me or scare me, not scare at all, it is all paid and next due date is not yet.
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| 07/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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The car was totaled back in XX/XX/2020. The Insurance company ( XXXX XXXX ) asked Kia Motors for pay off amount. The amount was paid off just like requested. Kia Claims that I still Owe a XXXX. XXXX XXXX says that they collected that amount already.
I need that amount to be wiped out and taken away from my credit report. It is affecting my credit score and it shows as a late payment which is not the case at all.
Attached you will find that KIA is asking me to collect the XXXX deductible XXXX BUT also attached a proof that XXXX XXXX collected that XXXX $ deductible on their behalf ...
I already paid the XXXX deductible to XXXX, It is not fair to pay the deductible TWICE.
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| 08/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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This complaint is in reference to account # XXXX. XXXX XXXX placed a late payment on my credit report around XX/XX/2018 and my account was taken off auto pay. I have never been late in my life and contacted the company and informed them I was on auto pay and it was taken off early. This was not my mistake and it causing me severe financial harm. I was on auto pay and paying as agreed and their company somehow discontinued the auto pay when it should not have! I have sent them copies of emails from their company with this information. I am even in a new XXXX and signed a new lease and was told by the salesman everything was fine. Please remove this late payment asap, thank you.
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| 10/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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i was never given a copy of my contract, there is only XXXX party with a wet ink signature, they initially had the wrong name of XXXX XXXX and not me XXXX XXXX, they have my mom on the account as the owner of the loan and they have me listed as an employee of their company. they also told me a down payment was necessary for me to drive the car off the lot when i know for a fact that it was a consumer credit transaction that included a finance charge which means no cash is required because cash and credit do not mix. they never informed me of the right to rescind my contract and i was never given the full disclosure so i entered into this contract unknowingly which is illegal.
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| 05/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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We refinance our car loan with Kia Motors Finance through our local credit union. Our credit union sent the funds on XX/XX/XXXX and confirmed that the funds were received by XXXX on XXXX. We called on XX/XX/XXXX, XXXX and XXXX to confirm if XXXX had received our funds and applied the payment to our account as our payment was due on XX/XX/XXXX. We were told continually to call back to check. It was only XXXX that a 'ticket ' was submitted to look for the funds. Unfortunately, there is only a 10 day grace period, and the turnaround for the ticket was supposedly 5 days. The end of the grace period is the time for the turnaround of the ticket, which could affect our credit score.
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| 08/16/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Older American |
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On XX/XX/2021, Kia finance dropped my credit rating of XXXX to XXXXbecause I didnt pay {$120.00} for the last payment on my excise tax. I had been paying this amount right along and they have always accepted these payments in this way for my previous lease also. It seems that they changed their policy and wanted it all at once. I was never notified. I contacted them and was told that there was nothing I could do. I have never been late on any car payment or excise tax. I had no knowledge that they had changed the policy. This is way too harsh. Im very proud of keeping my score above 800 and this is extremely unfair and unjustified. Any help will be much appreciated. Thank you
|
| 05/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
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Web |
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Kia Motors Finance says that I owe them a debt, but I also have a letter from KMF stating that the debt has been paid in full. Now, because I won't pay the alleged debt, am making KMF honor the document, have exercised my consumer rights, and am in the process of initiating a civil lawsuit, KMF has retaliated by threatening to merge my current new car retail lease with the totaled vehicle retail lease that they allege a debt is owed. KMF has threatened to unlawfully accelerate my car payments and illegally repossess my car if I do not pay a debt they said was paid in full. This proves KMF is intentionally violating my consumer rights and is using deceptive business practices.
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| 11/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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Hello, I paid off my Kia XXXX lease in XX/XX/. I never received the title, so when I went to register the car for XXXX year, I have been unable to receive my registration. It's been 2 months now, and all I have received is a bill of sale form from Hyundai capital. My account is under the same email, I need a duplicate title please sent to my address so I can drive my car. Please let me know what to do, I have been hung up on over a dozen times, and offered help from Roseville Kia Finance department IF ... .I sell the car back to them! XXXX at Kia Roseville Finance offered to help me if I sold the car back to them, seriously... I am lost for words. Please help me, thank you.
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| 05/11/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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On XX/XX/XXXX, my Hyundai XXXX was involved in a motor vehicle accident where it was claimed a total loss. The insurance company paid XXXX for the vehicle, when the debt on the vehicle was XXXX. Therefore the insurance issued a check to me for the remaining balance of XXXX.
Months later in XX/XX/XXXX/XX/XX/XXXX, as I am preparing to look at getting a mortgage. I come to find out that I was 30, 60 days delinquent on the account, Hyundai claimed I was delinquent on a remaining part. I called Hyundai and paid the amount and explained that I was not delinquent, but I wanted the problem removed from my credit history.
Now the account shows as a charge off instead of paid ok.
|
| 03/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Beginning in XXXX of 2018, I sent a certified letter to XXXX XXXX XXXX explaining that I was disputing the amount they said I still owed on the leased vehicle I turned back in to them. I awaited a response in the mail but never received one. I sent additional letters over the next couple months without any written response other than a bill. They then started to mark my account as past due and eventually marked it as " charged off ''. All the while, I was making every attempt to get this resolved with them directly. They continued to ignore my requests and unfairly marked it as charged off. I have since made additional attempts to get the matter resolved but to no avail.
|
| 08/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
i bought a new car thru kia finance the monthly payments are due on the XXXX of every month I enrolled in auto pay to have it withdrawn automatically from my checking account on the XXXX of every month, I called to cancel auto pay because I decided to pay myself on the due date every month I was told that my DUE DATE was changed to the XXXX instead of just my request for auto pay on the XXXX when I brought this to the attention of XXXX supervisors I was informed that the DUE DATE could not be changed for a year!!! I explained that it was an error on their part not mine and was told that there was nothing they can do they made the mistake I never wanted the DUE DATE changed
|
| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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|
Hyundai capital America - Amount - {$17000.00} DateXXXX XXXX XXXX Action taken towards me was an charge off.
I have no knowledge of this account I am a victim of identify theft.
Hyundai Capital America - AmountXXXX {$3700.00} DateXXXX XXXX Action taken towards me was written off by lender.
I have no knowledge of this account I am a victim of identity theft.
XXXX XXXX Amount- {$960.00} Date-XXXX XXXX Action taken towards me was a collection Account .I have no knowledge of this account.
Inquires that I have no knowledge of- XXXX XXXX XXXX DateXXXX DateXXXXXXXX XXXX XXXX XXXX DateXXXX DateXXXX XXXXXXXX XXXX XXXX DateXXXX XXXX XXXX XXXX Date-XXXX XXXX XXXX DateXXXX
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| 11/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
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Web |
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In XXXX I leased a XXXX XXXX from XXXX XXXX XXXX XXXX, Florida. It was a 3 year ( 36 month lease ). I decided to purchase the car after 34 months. XXXX XXXX of Florida gave me the total cost of the car which included the payments 35 and 36. I took ownership of the car on XX/XX/XXXX. I forgot to turn off the auto payment from my XXXX checking account. An extra payment of {$260.00} was made on XX/XX/XXXX, to Hyundai Motor Finance ( XXXX ). When I contacted XXXX for a refund, they refused. They sent a check for {$220.00} to XXXX XXXX XXXX XXXX, Florida. XXXX then sent me a check for {$220.00}. When I contacted XXXX for the difference, they refused. I am still owed {$43.00}.
|
| 06/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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On XX/XX/XXXX, I purchased a XXXX XXXX XXXX for the total price per contract of {$38000.00}. My contract was for a period of 72 months. My contract is set to end XX/XX/XXXX. Over the years I have paid a total of {$41000.00}, this amount has included every payments made through out the years. A couple of months I noticed my payoff was increasing from one day to another. With all the extra payments made this vehicle should have been paid off, instead Hyundai Finance has continued to bill me and I have not received my title. I have been contacting the for several months and still the matter has not been resolved. I would gladly submit any proof of all payments if requested.
|
| 05/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
|
| 08/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made a payment of {$2200.00} on XX/XX/2020. This payment was processed the next day, on the XXXX. I received a confirmation email that it was processed.
My monthly payment is due on the XXXX for an amount of {$330.00}. Today, on XX/XX/2020, my account is saying that my XXXX payment is past due.
This is un acceptable. I made a very large transaction and it got processed before my payment was even due. Now, six days after that transaction my account is saying I missed a payment. HMFUSA 's constant mishandling of payments is going to negatively affect my credit score and worthiness.
I no longer want to work with this company! Please let me pay off my loan in full!
|
| 04/23/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2019 : THIS IS A NEW COMPLAINT WITH NEW INFORMATION : Kia Motors Finance has chosen to pursue the alleged debt via illegal and repeated telephone calls which started on XX/XX/2019. I spoke with KMF via telephone on XX/XX/2019 where I was informed by a representative that KMF denies sending the debt cancellation confirmation letter and that XXXX sent the letter to me when they did not. I do not owe KMF any debt per their own admission. Please forward my complaint to the FTC as KMF is intent on using disingenuous and illegal methods to obtain a debt from me that they said was paid in full.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I disputed an account on XXXX that was paid off in XXXX of XXXX and wrongfully showing the account was still open. Once I disputed it in XX/XX/XXXX they claimed the account delinquent and a payment of {$1000.00} was due since the vehicle was paid off until now. I re-disputed it with the information from hyundai showing the account was paid in full and closed on XX/XX/XXXX. This did nothing. I was then told to send a letter of dispute to hyundai 's dispute center. I sent that XX/XX/XXXX. Nothing has changed on my credit report. This is stopping me from getting into a house and getting a new car. My credit score dived from XXXX to XXXX just from this fraudulent charge.
|
| 03/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I paid of my XXXX XXXX XXXX from XXXX XXXX XXXX Al. On XX/XX/XXXX and they said that i didnt pay off my car and that i owed them XXXX. My payoff quote was XXXX i paid that in full. I need them to explain to me why they are over charging me. I have tried to call the automated customer service number no answer i also personally called the riverchase kia a receptionist picked up the first time and transferred me, i didnt get a answer so i called right back and the receptionist didn't even pick up the next three times i called. I need answer ASAP!!!! I paid the XXXX because i need my title but that is XXXX especially since my payoff quote was XXXX and i paid them in full.
|
| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hyundai motor finance was sending me collection bills stating I never turned in a leased car. When in fact the car had been turned in two months prior. They then started sending me bill with fees for things I should have never incurred. I made multiple calls to the lease end department. Which was where Customer service siad I need to call. They are only open Monday through Friday 9-5 and have wait times of more than an hour. How am I supposed to get In contact with them to fix he issue if you cant get a person on the phone. Finally they send me a bill for the correct amount but hit me with a 30 and 60 day late payment. I wasnt paying a bill thats the incorrect amount!
|
| 06/12/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
I traded my XXXX XXXX XXXX LEASE for a new XXXX XXXX XXXX XXXX, XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.
|
| 08/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.
|
| 12/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I already filed a compliant about Hyundai and how the incorrectly report a balance in XX/XX/XXXX and I requested information on how they got this incorrect balance in XXXX it was XXXX and XXXX there was balance. I wanted proof of this and they ignored my request.
Now they are saying they are going to update the tradelines. THAT IS NOT WHAT I ASK FOR. This is their fault and now has been a year fighting with him to adjust this. I will not set back anymore and let them do what they want, I want the tradelines deleted COMPLETELY from my credit report XXXX
I should not have to spend my time filing complaints after complaint all because they wont do their jobs right.
|
| 08/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
KIA MOTOR CORPORATION WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE.
I OWE NOTHING TO KIA MOTORS OR ANY OTHER AFFILIATES ASSOCIATED WITH KIA, UPON TRYING TO GET RESOLVED WITH KIA, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO KIA NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.
|
| 03/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I submitted a complaint with reference number XXXX stating that the leasing company is not issuing me my property tax refund which was charged incorrectly and had to go through abatement process.
On XX/XX/XXXX company responded that they are still awaiting refund from XXXX, CT tax collector office, the company will issue refund, as soon as they receive it.
XXXX Tax collector office states that they had already issued the refund in XX/XX/XXXX and the leasing company has received the money.
Denying a tax refund on leased vehicle, which has already been issued by tax collector office shows the willfulness of the company for not issuing tax refund.
|
| 01/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
Kia finance marked me late for 2 months when the last 2 months was supposed to be covered by the dealer " XXXX XXXX XXXX XXXX '' this happened during covid times and it was impossible to get on hold of Kia finance over the phone, I tried numerous times and when I finally was able to speak to them and explain they already affected my credit really bad!
I wish they could be more considerate and at least understand my situation, These are unprecedented times COVID put a lot of people out of work and I have never been late not even once on my previous or new lease with them so it is ridiculous that they refuse to remove the 2 months late charges on my credit report!
|
| 02/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I have a loan with Kia Motors Finance. I purchased a new vehicle and XXXX XXXX XXXX XXXX paid off my Kia balance but there was a {$330.00} over-payment. I contacted Kia and they said that they will not look at refunding the over-payment for a minimum of 20 business days. This is more than double the amount of time allowed by Expedited Funds Availability Act for financial institutions check hold times. My account reflects a XXXX balance despite the fact that Kia Motors Finance refuses to act on the over-payment refund until their unreasonable and unfair waiting period of 20 business days expires, which will take at least 30 days before I receive my funds due to me.
|
| 05/14/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received calls from the debt collector and the debt collector changes the number they are calling from. In addition to XXXX, there is also XXXX, XXXX.
This is related to previous cfpb complaint numbers : XXXX XXXX I am unemployed and can not make payments. This is a temporary situation and was explained to Hyundai and the creditor both on the phone and in writing. Two letters were sent requesting a payment plan so that I can make minimal good faith payments somehow.
When I spoke to the creditor on XX/XX/13, the creditor said they receive my first letter requesting a payment plan, but I would not receive any payment plan in writing, that it would not happen.
|
| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a XXXX Hyundai XXXX as my lease expired in XX/XX/2022. I was told the title would be mailed to me, it never arrived. I spoke to someone with Hyundai 's corporate office in XX/XX/2022 and was told the title must have been lost in the mail and a duplicate title would be sent to me ( was also told they would contact me to let me know when that went out in the mail ).
That duplicate title has never arrived and the woman I spoke to has not responded to nor returned over a dozen calls on this issue. The car currently has no registration and I have already been ticketed once over this issue ( they could have also impounded the vehicle but chose not to ).
|
| 05/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX, I contacted XXXX and asked them to apply my XXXX payment to principal and to send me a payoff letter as i was refinancing car. I contacted XXXX at least 7 times by phone and 6 by email since XX/XX/XXXX. The last contact was today XXXX XXXX to date, XXXX still has not applied the XXXX towards principal nor have they sent me a payoff letter. Instead, they continue to add more interest to the loan when this loan should have been refinanced XX/XX/XXXX. I want XXXX to fix my XXXX payment, send me payoff letter and refund all interest accrued since XX/XX/XXXX. There is no reason why it has been 13 plus days and they still have not completed my request.
|
| 04/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Hundai Motor Finance tarnished my credit in spite of me paying off the loan. I have made numerous attempts to clear and dispute the error but have not received any response. I also disputed with credit bureaus all XXXX and they said to contact the creditor. I am attaching the letter Hundai sent me showing I paid off my loan. This has been affecting my credit since 2019 and recently when I applied for a new vehicle recently and they mentioned hundai!. It continues to come up on my credit report and I have evidence from Hyundai document, see attached form. I sent that letter to credit bureaus and hyundai several times and nothing.
Hope you can help.
Thank you!
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am having auto loan with Hyundai motor finance. I have been paying monthly EMI regularly and also paid some extra amount to pay off the loan early. It is also been reflected in monthly statements from Hyundai motor finance.
But it seems that Hyundai motor finance has not been reporting this to credit reporting bureau ( XXXX, XXXX, XXXX ) since XX/XX/2023.
This is affecting my credit report and credit history very badly.
On XX/XX/2023, I have sent credit report, my monthly statements from Hyundai motor finance and letter explaining my situation. I haven't heard anything from them so far.
Kindly request you to please take action on this at the earliest.
|
| 04/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Hyunday stilll contact me because I am late on payment since cov19 I been try to pay them. This morning I spoke with a person that say my payment are return in specific for the month of XXXX, I just verify me statement for XXXX and its was done for the amount of XXXX on XXXX I request a skip month because my work change as a promise I summit to Partial payments on XX/XX/2022, even if I dont have to pay that month in agreement with the extension l. Last payment its was effect for the amount of XXXX for XXXX and XXXX. Next payment on XXXX. They still say that I am late. This the reason my complaint they dont even provide a email to show them the payment for XXXX.
|
| 04/06/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
Hyundai Motor Finance has added a past due balance of {$8000.00} to my credit report. I had a XX/XX/XXXX Hyundai Genesis that I traded in for a XX/XX/XXXX Hyundai Genesis. When the dealership sold the car there was a balance of {$8000.00} that was due on the lease. My lease contact that I signed for my XXXX Genesis show that XXXX XXXX had carried over the balance to my new lease. I have tried to explain this to HMF, but with no avail. HMF still insist that I owe them {$8000.00}. I 've provided HMF with the check that XXXX XXXX sent to HMF. I like to have this outstanding balance removed from my credit report and ask the my credit reflect Paid in full as agreed.
|
| 11/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I bought a car financed through Hyundai Motor Finance in XX/XX/2021. I have since been trying to get the title transferred to the state where i live. Repeated attempts ( weekly ) to obtain a title transfer from HMF have failed, with the customer service agent telling me that they have emailed the titles department but there is no other way to contact them and to call back in a week for an update. I am unable to legally drive or register my car due to this issue, which apparently is common enough to warrant an entire XXXX and XXXX XXXX about the titles department at HMF being completely unreliable and failing to provide titles to owners whether paid off or not.
|
| 10/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Kia financing company continued, throughout our car loan, to put missed payments on our credit, which were not late. Additionally, the car in XXXX was totalled and they still continued to put late payments on our credit.. We were then unable to reach the company by phone or in person. Over 3 months later the issue was resolved, though they would not remove the late payments from our credit. The car was paid in full to Kia and the check cashed on XX/XX/2020. I just received another late payment notice on my credit for the month of XXXX from Kia finance. Every time we have tried to call we get a recording saying that due to Covid they are not taking phone calls.
|
| 07/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Received a " Cancellation of Debt '' 1099-C form for XXXX taxes. From XXXX California - Hyundai Motor Finance Co.
Submitted a complaint to credit bureau and they will not change credit report to not report this as a negative item. Credit bureau said Hyundai is keeping it on my file.
The debt is cancelled so why am i being negatively impacted by an item that is cancelled. Hyundai should not leave a negative item for nonpayment on my file when they sent me 1099-C that i had to report on my taxes. Debt is paid.
My report Id number for the report from the credit bureau is XXXX - XXXX I am being penalized for a debt that is paid even by Hyundai understanding.
|
| 01/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
Servicemember |
|
In short XXXX XXXX XXXX refused to offer me a reaffirmation agreement because they stated numerous times that my bankruptcy was cancelled. I called nearly @ dozen times to tell them that it was active. They refused to let me speak with a supervisor or anyone else who would be willing to listen and investigate. Eventually they decided that my bankruptcy was active but made up different reason why they could n't offer me reaffirmation. One guy said we sent it in the mail, but to the wrong address. Now they 're trying to repo but no matter how many times I tell them my address, they keep trying to go by another states law in order to short cut the repo process.
|
| 09/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX XXXX, after a total loss leased vehicle, keeps all settlement monies even if the payoff amount is less than the settlement. There have been numerous claims that I have worked on that XXXX XXXX is the XXXX. They demand that the whole settlement amount from the insurance is theirs even though the payoff is less than the settlement. My clients are getting robbed by XXXX XXXX. The insurance companies side with them stating that it is in the contract. Just because it is in a contract that no one really reads, the fine print, doesn't mean it's lawful. Please investigate XXXX XXXX as it is really unfair for them to keep the equity that is owned to the people.
|
| 01/04/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Every single day for the past six months, XXXX XXXX ruthlessly calls my phone various times of the day even after setting up promises to pay as well as payment arrangements towards my vehicle loan. One instance, I was harassed and mildly insulted by an operator on XXXX XXXX XXXX after calling them to pay them a full months + additional principal. The operator kept on vexing me to pay {$700.00} on a {$560.00} payment when I repeatedly told her I was only paying {$600.00}. The operator also failed to put in the right payment information and responded in a tone of voice that was very insulting. The operator after her was very helpful and pleasant to deal with.
|
| 09/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my lease and bought the car. Hyundai sent me the title but DID NOT send me a SIGNED Odometer report, so the DMV will not allow me to transferthe title.
I called customer service at least 10 times in the past month, escalated the issue to the supervisor line, talked with several supervisors and they all say their system is down and so they can not request the document for me. I keep on calling and no one will help, and meanwhile I can not transfer the title to my name.
They also sent me other documents without signature ( like the CDTFA ), and I am also trying to get those corrected but I am encountering the same resistance and non cooperation.
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
An unapproved credit check/inquiry was accidently made by an employee at a Kia dealership on XX/XX/22 but Manager has neglected to respond to any calls or emails made. Very little response was made during the beginning until I completely stopped getting any kind of responses from XXXX the Manager; but when trying to resolve what seemed to be an easy request of a Statement has been drawn out for almost a year now.
I still have proven dates of when phone calls where made, what was said in them. As well as any following emails I have sent to XXXX.
XXXX XXXX Kia Dealership XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX - Managers Email XXXX XXXX - Associates Name
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Hyundai Motor Finance has stopped reporting all account updates to the 3 major credit bureaus since XXXX 2022. One of the 3 credit bureaus even has the account marked as closed, even though it is still active and I am paying every month. This goes against their documented practices, which state that they report the balance and standing of the account every month. Contacting them is met with silence, as they claim to be unable to address anything over the phone ( why have customer service phone numbers then? ). HMF was already fined $ XXXX by the CFPB for incorrect reporting to the credit bureaus. This apparently is continuing. Please help me resolve this.
|
| 07/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid my Hyundai XXXX lease as instructed and was told my title would be mailed to me. Hyundai claims to have sent it but I never received it over a month later. Hyundai refuses to do anything to remedy this situation leaving me with no title and no ability to register the car. Hyundai keeps offering to send a lien release or a letter of no interest but the DMV says these documents are useless. I can not get my name on a new title for the vehicle until Hyundai sends me their title. I have read several other reports of people being put through this horrific situation and never had important mail not arrive before so I am sure this is Hyundai causing this.
|
| 09/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I purchased a car in XXXX and started making payments in XXXX as required. On each payment, I paid extra and asked it to be applied to the principal balance. I asked via letter as well as wrote it on the check. The first letter was sent on XX/XX/21 with no response. The second letter XX/XX/21 and last was XX/XX/21 with no response. I have now paid an extra {$1500.00} that was NOT applied to principal and they have NOT responded. I also called customer service on XX/XX/21 and they couldn't resolve. The {$1500.00} NOT applied to principal will result in significant interest over charges. I am asking for these overpayments to be applied to principal balance.
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The company I'm complaining about is KIA MOTOR FINANCE In XXXX of XXXX they called a reference of mine and I called them and asked do not ever call this reference again hey have contact number.In XXXX of XXXX and XXXX XXXX hey called the same reference asking them for my contact information.I called the today and advised again do not call this reference and they advised that the name is on my contract as a reference and i advised i does matter I have asked them not to contact my references because they have my contact information and i did advised i would be filing a complaint in regards to this matter This is a FDCP violation and I want this fined for it
|
| 03/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid off my lease on XX/XX/2023 with Hyundai Capital.
I received a paid in full letter on XX/XX/2023. I received the title and bill of sale on XX/XX/2023.
On XX/XX/2023 I received a notice that my account is 10 days past due, and there is a threat to notify my credit bureau in 30 days that I have missed a payment. The account reflects as closed on XX/XX/2023.
I am concerned Hyundai Capital has not updated their systems after being fined by the CFPB and these incorrect credit reporting actions continue : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-hyundai-to-pay-19-million-for-widespread-credit-reporting-failures/ Please help.
|
| 01/10/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
- Buyout payment was received by XXXXF on XX/XX/XXXX along with odometer statement - XXXX cashed the check on XX/XX/XXXX - I was told it would take 3 business days for the account to be updated - On XXXX customer service told me they did not have the odometer statement so I uploaded it to the website - On XXXX I was told the account was closed and the title would be mailed out today XX/XX/XXXX - Today, I called and they told me they can not release the title until they have an odometer statement, which I already submitted twice - I am unable to speak to anyone in titling and it seems customer service is unable to communicate directly with them either.
|
| 05/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
The payoff check for my loan was received by Kia Motors Finance on XX/XX/21, and processed on XX/XX/21. The amount was never applied to my account, and no one at Kia seems to know where the payment went. The check had my name, VIN, and account number on it so it was easily identifiable. I have also provided them with the check number, but that did not seem to help either. They seem to have just taken the money, and expect me to make payments on a vehicle that I no longer own. The vehicle was sold to XXXX, XXXX and they were the ones who made the payoff. I am stuck in the middle with the threat of my credit being ruined, and no one seems to really care.
|
| 11/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
my lease car was totaled in a car accident on XX/XX/2019. after my insurance paid the lease company they billed me for {$1400.00} on XX/XX/2019. I sent them a certified mail on XX/XX/2019 disputing this amount. I never heard from them no more. I was checking my annual free credit report in XX/XX/2019 and saw they reported negative information including a charge off. my excellent credit score dropped a lot.i disputed with the credit agencies with little success even sending them documentation. I contacted the lease company and they keep giving me the run around.the lease company is Hyundai motor finance. the credit reporting agencies are XXXX and XXXX.
|
| 10/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I bought a new XXXX XXXX XXXX from XXXX XXXX dealership FL. When I bought the vehicle I traded in XXXX XXXX XXXX. Within one month after buying the vehicle, the car had a dangerous brake failure while driving. I brought the vehicle back to the dealership and requested to take the car back. I requested to return back my trade in value vehicle or equivalent. My request was verbally denied. I understand that brake failures can happen but it was a new vehicle with less than 1500 miles. The remedy I am requesting is to cancel the contract without any negative impact on my credit standing with full recovery of the trade in value amount.
Regards, XXXX XXXX
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
|
| 04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a student loan with HYUNDAI MOTOR FINANC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called HYUNDAI MOTOR FINANC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Equifax and HYUNDAI MOTOR FINANC with no successful resolution. Equifax only reporting me 30, 60 and 90 days late. There was an error on their part. I was never 90 days late.
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Hi, I applied for Hyundai XXXX online on XXXX of XX/XX/2021 at XXXX. They took my information to per-qualify me. Although my credit score was excellent they rejected my application for no possible explanation and asked me to call Hyundai in XXXX.
I called them and they told me they don't have this car in their storage for a long time and they are not going to have it in the near future. They didn't even tell me when they can bring this car.
My question is that when they don not have this car, then why they still accept an online application?! And worse, why they run TWO hard inquiries?!
They should have noticed me that this car is not available.
|
| 02/21/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
I am a service member that just received orders to deploy. I have a car lease with XXXX XXXX. I contacted XXXX XXXX XXXX to invoke my SCRA Benefits to terminate my lease early and followed their instructions to e-mail my XXXX to their SCRA Department. I did as required. I have been contacting XXXX every day for 7 days and have re-sent my XXXX multiple times and they still do not acknowledge them and tell me that their SCRA department does not have a phone number and there is nothing they can do for me. I leave on my XXXX this weekend and this is still not resolved.
Please help me. I have no one who can take care of this for me while I am gone.
|
| 01/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2020 I was in a car accident that almost XXXX me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to Kia finance America what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XX/XX/2020 on my credit file and this item is negatively impacting my credit report.
|
| 11/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
Regarding ; No tile/lien release has been provided for XXXX purchased after lease expired Vehicle : 2019 XXXX XXXX VIN # XXXX.
Account : XXXX It has been over a month since HCA cashed our buy back payoff check. I have called Hyundai Finance 3 times over the last month and each time they said the title or release is in the mail.
Clearly, it has not been sent and I am amazed they have the audacity to say it is in the mail.
Then a week ago I asked the dealer I leased from to intercede which they did yet I get no response of any kind from Hyundai Finance. The dealer said they have seen many such issues with titles not being provided by from HFA.
|
| 12/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I paid for a brand new Hyundai XXXX 2014 with a 10 year or under 100,000 warranty. My engine stop working after 2 years. Towed my car to Hyundai XXXX dealership where they submitted inaccurate information regarding maintenance to the warranty company that denied my claim also deemed Final decision. Without no evidence as to what paperwork is missing from maintenance for claim denial. Ive submitted all information regarding maintenance on vehicle, and Hyundai and the warranty company is not disclosing who made this decision and why. My car has been down for 2 years because of this situation and Im hoping someone can help me investigate this matter
|
| 12/12/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Vehicle was leased in XX/XX/XXXX through XXXX XXXX XXXX.
A few lease payments fail behind, and I received ongoing robo calls to my cell phone.
I reached out to an attorney who advised me to make a three way call to call XXXX XXXX XXXX while his office was on the other line, requesting that they stop the robo collection calls.
I continued to pay my lease off, However, Hyundai continued to dial my cell phone using different phone numbers. I maintained a call log.
Moreover, I have a paper trail of all or my payments.
My lease concluded on XX/XX/XXXX, and the vehicle was turned over to XXXX XXXX Dealership in accordance to my lease agreement.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I bought a new XXXX and had it financed through Hyundai XXXX. I sold the car to the dealership whom I purchased it from on XX/XX/XXXX. I have patiently waited for Hyundai XXXX to report on my credit that the car is either paid off or no longer my responsibility. My credit report still shows the car loan active as of today XX/XX/XXXX. I purchased another car, and my credit report currently shows I have {$60000.00} in car loans. This is negatively affecting my debt-to-income ratio and keeping from refinancing or getting other loans. I have contacted Hyundai XXXX multiple times and have been promised the issue will be resolved and it has not been.
|
| 03/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my car loan early. I am trying to receive the title for the vehicle before I move to another state. The loan company Hyundai Finance is not submitting the lien release notice to the XXXX so that I can get a title and every time I call to talk to someone they say it will take a different amount of time to get processed. It is an electronic title and should not be difficult to release but Hyundai Finance is doing nothing to help me and can't even get me consistent information on when I can expect it to be processed. They are impossible to deal with and are not processing the request as stated on the website of 5 business days maximum.
|
| 08/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I contacted HYUNDAI CAPITAL AMERICA regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC XXXX. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information.
Thank You
|
| 07/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX credit report is showing a Hyundai motor finance negative account on my credit report as active because the Hyundai motor finance posed as me Fraudulently to make a payment on my behalf to reactivate an old account that was closed XX/XX/XXXX, my XXXX credit report shows Kia Motors finance which got sold to Hyundai in XXXX, Kia Motors shows deleted on XX/XX/XXXX from my XXXX paper copy that got sent to me on XX/XX/XXXX This negative account needs to be immediately deleted from all credit reports because this is a violation of the fair credit reporting Act showing Duplicate accounts under the same company under different names, addresses.
|
| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have a loan with Kia Finance America. Paymentd were toward a 70 month contract, amounting to XXXX dollars monthly. There was a no payment interest free period, expired XX/XX/2023. During the interest free no payment period, I made several payments towards the principal alone. Kia finance has processed a payment of XXXX made XX/XX/2023 and applied the whole amount to interest fees, less XXXX they applied toward the principal. Kia Finance America is collecting interest instead of principal and interest payments, lengthening the loan timeframe and increasing the loan payments. I tried calling them to dispute this, they hung up on me. 4 times.
|
| 10/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hyundai Finance received my request for a title transfer on my leased car on XXXX. I moved from XXXX to XXXX and need to register my car in the new state. It is now XXXX and after speaking with an additional two representatives from Hyundai today, there is nothing they can do and I need to keep waiting. I'm on my second temporary registration in XXXX and will be unable to drive the car I'm paying for when that registration expires next week. It is unacceptable that there is still no update on the status of this issue. They also have the incorrect address for my DMV and refuse to update it, so I'm doubtful that it'll ever be sent to my dmv.
|
| 12/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
Hyundai Motor Finance has inundated me with robocalls. I have asked several times ( as recorded in their system ) and I was informed they had sent me the itemized statement I asked for. I never received it and then asked them to send it certified so I can be 100 % certain it was sent. The person I spoke to said they would NOT be sending a certified letter as they dont do that. I want to see the debt I ow and they just keep calling as an attempt to collect a debt. The car has been paid in full as documented by my insurance company. The title has been released by Hyundai. Please help me get them to stop this nonsense. Thank you for your time.
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Kia Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts XXXX Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at Kia Financial that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe Kia any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/XX/XXXX.
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the fair credit reporting act my rights as a federal protected consumer has been violated.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
15 U.S 1681 c-2 15 U.S 6802 15 U.S 1681a- 2 Exclusions does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
|
| 02/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This vehicle was my ex wifes vehicle and she was involved in a total loss accident. We were told by Hyundai that the vehicle was paid in full by the gap insurance and that we would receive a refund for the early payment that we made. We purchased a new vehicle for her. After a few months, I saw negative marks on my credit report and I called XXXX. I was Told that we had to pay our deductible. We never received a notice or anything in the mail. I paid It right away over the phone. I was Told by XXXX that they would correct this error. I have been fighting this for years and its the only negative mark on my credit. Please help me. Thank you.
|
| 05/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Kia Motors Finance insisted on receiving the full insurance payoff amount from my insurance company. Kia Motors Finance received payment on XX/XX/XXXX to payoff the loan in full with an excess payment amount of {$5800.00} to be refunded to me. I contacted the company on XX/XX/XXXX and they stated to allow 16 days for the check to be mailed. After allowing more than the 16 days I contacted the company on XX/XX/XXXX. I spoke with one agent that stated to now allow 30 days for the check. I asked to speak with a manager and the manager stated nothing had been processed yet and to now allow for 45 days for a check " to begin to be processed ''.
|
| 02/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a car loan with XXXX in XX/XX/XXXX, I totaled the care in XX/XX/XXXX. When the car was totaled, my insurance company paid the loan as well as my gap coverage. My mother, XXXX XXXX, co-signed this loan with me and was checking her credit report in XXXX and it showed the XXXX XXXX was written off as a bad debt, not as a paid off or written off as a loss. I have repeatedly asked XXXX to send me the complete payment history including the payoffs and keep getting told they have sent it or its in process. I did receive a letter from gap showing their payments. this has completely dropped my mothers credit score from the 800s to the 600s.
|
| 10/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I signed a lease with XXXX XXXX on XXXX XXXX XXXX and the lease was signed by both parties that the first payment and every payment thereafter will be on the XXXX of the month I have made each payment by the latest the XXXX of the month everything was fine till the XXXX statement where they changed my due date to the first of the month and gave me a late charge of XXXX after numerous phone calls to XXXX they state they can just change it to the 1st without notice and wont change it back they have broken the terms of the lease we signed and Imwant it changed back or they can take their car back. Please advise me of my rights in this matter.
|
| 12/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
multiple times account was supposed to be working with direct auto payment from our account but it does not. Then we get calls from an outside us call center. Reps are rude and hard to understand. Even when they call they actually sound like scam.and when you try to fix the issue they still treat you harshly. And after auditing the account I noted we have about 4 late fees that were attached. These late fees were also not explained and seem to come up under the original payment form. They add late fees without telling you.even though its their fault. Im seeking these late fee be refunded to us. And professional an courtesy when contacted.
|
| 07/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2020 KIA MOTORS FINANCE CUSTOMER SERVICE XXXX XXXX XXXX XXXX XXXX, CA XXXX Attention All applicable In Re : XXXX XXXX XXXX -- -- XXXX Account # XXXX To all Applicable : This correspondence is being forward to your attention seeking your immediate attention on the above-referenced vehicle. On or about XX/XX/202, this account has been settled in full as contractually agreed. In other words, send me any overpayment due along with my vehicle title, IMMEDIATELY.
Should you have any questions or concerns do not hesitate to contact me at any time, Sincerely, XXXX XXXX Digital Signature encl XX/XX/2020
|
| 12/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
on XX/XX/, the loan was paid off and title was requested. On XX/XX/XXXX a follow up call was place and i was advised the title was on the way and that they would send a lien release as well to satisfy insurance to payout for the totaled car. Neither document was received and no proof of sending was provided. on XX/XX/XXXX another follow up call was place by me and was told the same story and that a supervisor would return the call to fill me in. on XX/XX/XXXX i called again to request a supervisor and none were available. on XX/XX/XXXX i am currently on the phone and filing this complaint hoping to have an action of some sort take place.
|
| 02/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XXXX 2023 I went to Dealer XXXX Hyundai located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, to obtain extension of my own credit on a XXXX Hyundai XXXX with Last XXXX vin # XXXX with MSRP of {$42000.00}. The dealer run my credit with XXXX credit Report, where company Hyundai Capital America got a copy of my credit and I was denied for credit. No one from dealership give a paper or answer why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from dealer or Hyundai Capital America had contact me. I had attached evidence that my credit was pulled by Hyundai Capital America with XXXX credit report.
|
| 10/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
I was financed thru Hyundai Acct. No. XXXX. On XX/XX/XXXX I was rear-ended and my XXXX Hyundai was totaled. The driver 's insurance reached a settlement of {$24000.00} and that check went to pay off my loan in the amount of {$9100.00} leaving a overpayment of {$15000.00}. The finance department shows the payoff as of XXXX. After numerous customer service calls - we still have not received our overpayment.
I have tried to get someone to help us as I would like to purchase a vehicle. Always just call customer service and that never works. Is there a way to get some assistance?
I you need anymore information please e-mail me. XXXX XXXX
|
| 11/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
XX/XX/XXXX I submitted my documentation to obtain an Authorization Letter from Kia Finance to ship my vehicle. I am currently financing my vehicle from XXXX so when I moved from XXXX XXXX XXXX ( XXXX move I'm serving in the XXXX ) I needed that document to allow the shipping of my XXXX XXXX XXXX. Their website says it'll take up to 5 business days to obtain the letter. Now, XX/XX/XXXX I have no received the letter nor any clarification of why. I've called numerous times ( 4-5times a week ) and have had no assistance what's so ever. I'm not behind on payment, I've submitted their documents, and have waited more than their required time.
|
| 06/10/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have tried contacting Hyundai Motor Finance multiple times to inquire about lease termination or lowering monthly payments due to financial hardship, and I have not been able to speak with anyone regarding this matter. Each time I call I speak with someone who informs me they need to transfer me to a different department. While I'm on hold for the transfer the phone call hangs up about 2-3. When I am given a direct line to call for the lease termination department, it just brings me to Hyundai Motor Finance 's main number. This is very frustrating because we need to address our account but can't seem to contact the people to help us.
|
| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Hyundai Finance, XXXX XXXX XXXX, 36 month lease, started on XX/XX/XXXX, {$490.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date.
Kia Finance, XXXX, XXXX, 36 month lease, lease started XX/XX/XXXX, {$220.00} per month, during the pandemic I was late 60 days and applied for deferred payment plan for 3 months an than another 3 months during that period they reported the account late and effected my credit rating to date the account is up to date.
|
| 09/16/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
Over labor day weekend I leased a Hyundai from XXXX Hyundai in XXXX XXXX, CA.
I checked my credit report later that week and noticed that there were XXXX inquiries per bereau, XXXX from XXXX Hyundai and XXXX from Hyundai Motor Finance. I did authorize my credit to be ran by the Dealership for lease approval, but was under the impression that it was only being ran one time. I did not authorize my credit to be ran two times.
I contact XXXX, XXXX, and XXXX, all of which asked me to contact XXXX Hyundai, which I did. XXXX did not give a sufficient explanaiton as to why this happend and again I did not authorize XXXX pulls on my credit.
|
| 02/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The car XXXX XXXX XXXX was a total loss XX/XX/XXXX. XXXX ( my insurance ) paid XXXX XXXX {$20000.00} for a XXXX used vehicle when my pay off was XXXX plus an additional XXXX XXXX monthly payments I was making since XXXX XXXX. I have emailed them multiple times requesting the " prior damages '' I still owe and until this day I have not received any reports or a letter stating what were the " prior damages '' and now my credit score is been affected. I have also called multiple times and since it's a recorded line they do have it on records. I need your help please to help me resolve this matter because they refuse to close my account.
|
| 08/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have a new XXXX XXXX XXXX leased vehicle purchased in NY. I moved to NJ and have to register my vehicle in NJ. I have requested and sent 6 email to Hyundai Motor Finance to transfer the lease from NY to NJ dmv. The first email request was sent on XX/XX/2021 but they havent transferred the title yet.
I have been calling them every day but the call center have no clue about the status. Each time I call them they ask me to resend the email again. The call center does not have access to Title department and cant even say what is wrong with this transfer request.
My current registration has expired and Im unable to drive the vehicle.
|
| 01/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The auto loan debt was sold by Hyundai Motor finance to XXXX XXXX XXXX on XXXX 2016, They accept settlement agreement to pay off the account.
I made the payment in full and they advised after payment clear, they will will reported as paid and XXXX balance.
they confirm that payment was forwarded to hyundai. this original creditor is reporting to equifax that a have balance of {$510.00} I disputed couple time to hyunday that account has XXXX balance, they refused to report correct information.
The satisfaction letter have been forwarded to hyunday.
They acccept my payment, they must remove the balance as account is considered paid
|
| 12/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT 3 MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE. THESE ARE THE COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( RAN TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
This complaint involves Hyundai Capitol America on XXXX , Partial account number XXXX Date opened : XXXX XXXX Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter XXXX Account history Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with XXXX XXXX XXXX XXXX in XXXX .. This account is also on my credit report as ; XXXX XXXX XXXX XXXX , Phone numbe XXXX XXXX partial account number ; XXXX , date opened XXXX XXXX . I just recently traded in the vehicle in XXXX
|
| 06/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The car that I have was a lease. I leased the car in XXXX and I moved it to XXXX. Hyundai has not and will not send me the paperwork I need to transfer the registration to XXXX. I have called the company 20 times, and I have submitted a complaint to the XXXX XXXX XXXX.
They asked me to mail in the information that they need and I mailed it into them almost 3 months ago. Now they are saying oh we dont have it mail it to us again. I am not going to do that its very simple what they need to send me. Its just permission to register the car in the state of XXXX or a limited power of attorney to register the car in the state of XXXX.
|
| 10/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I called at XXXX XXXX on XX/XX/21 to make a payment because I was unable to make it online. After being connected to the rep, I am told what my payment options are. I choose to use a bank draft instead of a card. I am then told that the only way I can pay is with a card and I will be charged a {$7.00} convenience charge. With no other options to pay, there is no reason a fee should be charged. This practice is abusive and greedy so KMF can make even more money. I was already charged a fee for the returned payment, which I agreed to in my contract. I did not sign up to be swindled out of more money just to make the missed payment.
|
| 01/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XXXX of XXXX we paid off the balance on our Hyundai Finance loan for a car purchased in XXXX. In XX/XX/XXXX, due to a failed automatic payment from our bank, we paid an additional {$700.00} to Hyundai Finance. We contacted Hyundai in late XXXX to inform them of the problem. We were told a check would be sent to us and to expect it in up to 3 weeks. The check never arrived and we called Hyundai again the week of XX/XX/XXXX to indicate the check had not been received. The new agents seemed to indicate no check had ever been sent. Hyundai now insists a check has been sent to us, but as of XX/XX/XXXX, no check has been received.
|
| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
When my Hyundai 3 year lease ended, I purchased the vehicle.
I sent them a personal check for the total amount. I purchased the vehicle in XXXX Of XXXX.
Now its XX/XX/XXXX, and I have not received my TITLE.
I have called customer service over 41 times. I was told everything. Lost in the mail, wrong addresses, title sent to Indiana for a duplicate.etc.On XXXX XXXX XXXX after my XXXX call I finally received a case # XXXX.
I have all of my documentation for this purchase. I have leased vehicles for my wife and myself for 12 years.
Its very unfortunate but, they have lost a valuable customer.
Note : It has 6 months.
Help!
|
| 06/24/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
My XXXX XXXX XXXX was stolen XX/XX/XXXX and I filed police report and notified the finance company XXXX. Insurance covered rental for 30 days and no additional coverage from dealer. Auto was found same day it still had not been fixed due to alarming rate of XXXX and hyundai being stolen. I have contacted XXXX on several occasions for a deferment of payment as I have to pay for rental car and unable to do both as the car is still not returned to me. They are not willing to help at all. I waited for supervisor to call back over a week and they still had not. I called back today only to get no where with this. I need assistance.
|
| 10/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I submitted a payment of {$2100.00} on XX/XX/XXXX and spoke to representative XXXX. She waived {$100.00} in late fees which brings my balance to {$0.00}.
Today XX/XX/XXXX it is showing on my credit reports that I owe {$100.00} and that there is also a late payment for XXXX.
I called and requested for them to update reporting/account and they advised I would have to send in a dispute which can take up to 60-90 days.
I escalated to a supervisor who was the least bit of helpful and lacked empathy for her companies mistakes. I do not feel as a consumer I should jump hurdles to resolve an issue that this company did themselves.
|
| 09/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hello. I have been trying to contact anyone and everything for help.
I am in DIRE need of my title for my vehicle. I moved from Florida to Indiana and I am TRYING to register my car in Indiana. My Florida tags expired XX/XX/XXXX and my LAST indiana 30 day temporary registration expires XX/XX/XXXX. After that date, my car will be illegal to drive. I have been trying to obtain my title from you and Florida since the beginning on XXXX and nothing. I NEED it desperately. I have children who need to be driven around and for school. How is this not able to be done. Please help! I have contacted Hyundai Motor Finance and nothing.
|
| 12/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
My lease is currently with KIA MOTOR FINANCE. I am trying to refinance this leased vehicle with another lender. I have requested a lease-end buyout quote in writing on KIA letterhead on five different occasions : Date Time EST # called Item requested result XX/XX/2020 XXXX XXXX XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX XXXX lease-end buyout quote never received I am not sure how else I can obtain this document.
|
| 12/29/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This issue has to do with the excise tax on the loan. There was a balance of {$35.00} for the excise tax which I was unaware of for several months. XXXX has informed me not to pay the excise tax bill until the abatement went through. The balance of the abatement and excise tax bill was {$35.00} and I never received a new bill informing that this {$35.00} balance was due. Instead of calling me or informing me of this balance XXXX quietly reported me delinquent for a {$35.00} dollar balance on the entire lease amount for the loan which caused my credit score to drop. These delinquent payments should be removed from my account.
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hyundai Fianance is reporting to my credit bureaus that I was late multiple times on my lease payments but I NEVER was! I have always paid on time. I have my payment set up on their account for autopay. They draft my payments directly. This is hurting my credit score and my ability to get a car loan to buy out the lease so that I do not have to deal with their fraud anymore. They have already been fined by the government for this exact thing before and they are doing it again.
I have attached a screenshot of the fraud on my credit report and I have attached my payment history that clearly shows I paid on time every month.
|
| 03/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I had an accident on XX/XX/2020. InXX/XX/2020 my car was deemed a total loss. My finance company is Kia Motor Finance. My insurance company is requesting a revised letter of guarantee. The finance company says they generated one in XX/XX/2020. My insurance company revised their final number and is requesting a revised letter of guarantee as of XX/XX/2020. It has been four months now, the finance company still has not generated this document for my insurance company. My insurance company is unable to pay out my claim because of this. This matter has negatively affected my credit. Is there a solution you can help me out with?
|
| 05/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am actively in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.
|
| 01/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In mid XXXX i was in a accident, i sent Kia Financing a bank transfer for {$4500.00} to pay off my loan thinking i would get a check from insurance, well the insurance company also sent Kia finance a payoff transfer. I have called Kia once a week for close to 100 days requesting my refund, each time i call, they promise to send me a check, which never shows up ... I called them today and again promising to send a check in 10 to 14 days, I am now unemployed because of a cutback at work relating to covid and i need this money now. The people i talked with today in cust. service is XXXX, and a superviser XXXX in cust. servise
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint.
It looks like we are making progress because now Hyundai at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take Hyundai 's testimony as fact- they have a documented history of making false remarks on consumer credit reports.
|
| 08/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi, to whoever this may concern, I contracted XXXX at the beginning of XXXX of this year, I had a very hard time recovering from the XXXX, I was at home by myself for almost a full month not being able to work or get in contact with anyone, it is hard to explain the difficulties of coping with such a situation, on top of that I still had to worry about my financial bills, you can not imagine what it is going through such a situation, on top of that I was not able to go through my emails that frequently so I am not even sure if I got the bill or not, I hope you understand my situation and i ask that you kindly help me out.
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX a payout to XXXXXXXX XXXXe for XXXX $ To settle the lease for a new car purchased at XXXX XXXX XXXX.
The payoff for the 2019 XXXX was XXXX XXXX As per XXXX XXXX own website, they were to remit the difference within 15 days of the payoff. I have yet to receive the refund. Additionally, XXXX took 6 days to even acknowledge the payment only listing the amount due, not the overpayment.
XXXX has not honored their own policy in issuing a refund, but also a level of malfeasance in reporting the payment on my account. Ill file a separate report as they have also manipulated this account with the credit bureaus.
|
| 06/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I returned my leased KIA vehicle in XX/XX/2021 in late XXXX i received excise tax bill from Kia for full XXXX year but i only had car for 1 month i explained to kia finance that if they could get the adjusted to the correct amount and they stated they would handle that with there tax department and send me adjusted bill. they never sent me adjusted bill as they received the rebate for city of XXXX excise tax department in XXXX and wrote off account of XXXX in less than 60 days of talking to kia finance. I never have been late on any payments and they clearly tried to collect on wrong amount and never sent adjusted bill.
|
| 05/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
I made an error and let pressure get the best of me. I was also lied to by the salesman about many details which were obviously selling points for him I was pressured into a 4 year lease with XXXX payments and paid XXXX down.
The contract, which isn't final because the dealership has not secured funding, is 100 % dealer driven profit and includes absolutely nothing for the consumer.
I hope to re negotiate the terms and not be stuck upside-down in a 4 year lease with payments hovering XXXX I have contacted XXXX XXXX XXXX, and hope to work something out that is fair -- not a trade you would get at a buy here pay here.
|
| 07/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
Check was sent by my bank on to arrive XXXX like all previous payments. It was not applied to my account - after several calls to HMF, I made a payment online on XX/XX/XXXX so as not to be late and filed investigation with my bank. The bank investigated and found the check was deposited by Hyundai Motor Finance on XX/XX/XXXX. I called the Hyundai Motor Finance and they asked I fax a copy. I faxed a copy on XXXX and I have confirmation ( attached ) - I called on XX/XX/XXXX and they said they did not receive it. I talked with a manager that refused to give his name and disconnected and provided no help in resolving this
|
| 04/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I called hyundai motor finance to put my account on an autopay arrangement. This was never completed, I was never contacted by Hyundai motor finance and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as Hyundai with proof of my payment and my phone record showing my phone call to setup the autopay.
|
| 02/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I lease a XXXX XXXX XXXX, with a lease through XXXX XXXX XXXX. I make the lease payments online. Today, I signed into the XXXX website to schedule a payment. A pop-up notice warned me that starting XX/XX/2018, online payments will incur a {$3.00} fee. The fee is not charged to Auto-Pay customers, who have the money automatically withdrawn from their bank account. This fee did not exist, and was not disclosed, when the lease was signed, and is a material change in the lease contract. I submitted a complaint to XXXX, and am submitting this complaint for your review and action. A screenshot of the fee notice is attached.
|
| 12/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Its been brought to my attention that my contract is in violation of federal, U.S. Code 1605 - Determination of finance charge As well as illegally asking for a Down Payment in order to finance my XXXX XXXX XXXX which was purchased at XXXX XXXX XXXX XXXX XXXX. List of other violations that may have been included Code S1635- right to rescission 15 U.S.Code $ 163560-right to rescind after 3 years if rescind paper work was never furnished Is U.s. code S 16356 - right to rescind and keep the property 15 U.S.Code {$1600.00} - Finance charge defined 15 U.S. Code 1662 ( b ) - mixing cash with consumer credit transaction 10
|
| 11/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
There is a letter attached that explains my dilemma and the substantiating paperwork. Additionally what is briefly indicated in the letter is a prior complaint I had as it relates to their not honoring the extension promised after I paid all the late fees. I included copies of the confirming fax that I sent several times which claimed to have not received. I spoke with several representatives as indicated. There seems to be a systematic web of deception.
This complaint is regarding my car having been repossessed and retrieved by me. They are still claiming I owe two payments. I have attached the proof that I paid.
|
| 04/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account has been paid off since XX/XX/XXXX ( {$18000.00} ), but Kia refuses to report it as " paid/ closed '' so that it will reflect as such on my credit report? In any event, I've spoken to several representatives and received several different responses over the last month or so. Today I was told to dispute it or otherwise continue to wait. Unacceptable!
Also, to add insult to injury, I am now being told that the prorated refund from my payment made on XX/XX/XXXX of {$310.00} will not be paid? Please advise.
Vehicle Description : XXXX XXXX XXXX XXXX # XXXX Customer Name : XXXX XXXX Account Number : XXXX
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, my husband and I purchased a vehicle at XXXX XXXX XXXX. We owned the vehicle less than 24 hours. The vehicle was returned for service issues on XX/XX/XXXX and I was given a loaner vehicle. On Friday, XX/XX/XXXX the loaner vehicle was returned to XXXX XXXX XXXX and I went home with my original XXXX due to negligence on the dealer 's part. I did not take home the XXXX XXXX - however, I received a statement dated XX/XX/XXXX about the XXXX. I contacted XXXX fiancing to see why this account was still open. I am reporting this account as fraudulent as I do not own this vehicle. It was returned XX/XX/XXXX.
|
| 02/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Ive already contacted Hyundai multiple times regarding this issue, I had a new checking account and updated it with them. However, they kept using my old checking account through with drawls, which then locked my account, and I can no longer make payments over the phone or online.
This has made me late for more than three weeks now and I cant process a payment. I contacted customer service agents who are charging me XXXX dollars to make a payment and refused to waive any of the fees even though this has never happened to me. Ive spoken with for agents none of which were able to accept my payment over the phone.
|
| 01/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX I paid the balance in full to Hyundai Motor Finance for a XXXX XXXX XXXX. Every month starting in XXXX, XXXX, XXXX and XXXX I called to request a title and each time I was told " we have to email the finance department, we havent heard from them, this is odd that you havent got the title '' etc. Every time its the same excuse.
Now I just got my CA vehicle registration and it still has Hyundai listed as the owner of the vehicle. I can not sell or trade in my vehicle without the title.
Its been five months, my account is listed as " paid in full '' and " closed '' but Hyundai wont provide the title.
|
| 02/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I refinanced my XXXX XXXX with another company and Hyundai processed an additional payment in XX/XX/XXXX. I have been trying to get a refund since then. Hyundai assures me that they will send the payment for the overage of $ XXXX. I called them on XX/XX/XXXX and was told the check will be mailed. The last communication was on XX/XX/XXXX. I asked if they could transfer the overpayment into my account because I have been told numerous times that the check would be mailed and I have not received it yet. Hyundai told me the payment would be mailed that day of XX/XX/XXXX. To date I still have not received the payment.
|
| 02/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I sent Kia a payoff check for the entire amount and they reported me 30 days late twice in XX/XX/XXXX and XX/XX/XXXX. How is that possible? I called Kia and told them and they said they possibly made an error but I would have to dispute it. I am not sure why they couldn't just fix it over the phone. I am in the process of going for a mortgage and this is affecting me. I even attached a screen shot as to how the account is being reported and the date of last payment is different on each credit report which goes to show me that Kia is not doing their job. Even the past due amount is different on each credit report.
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payme
nt account under an open end consumer credit plan as a late for any purpose 15USC 1662 : For purpose of this section, the term billing error means ( 1 ) reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to the person who as actual implied, or apparent authority to use consumer open end credit plan.
|
| 10/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
XX/XX/2021 to XX/XX/2021.
{$5400.00} I contacted the company many times regarding this problem. I spoke with seven or more people at kia motors finance company, I was given difference answers that did not correct the problem. My monthly payment is {$540.00}, I paid {$900.00} and {$750.00} in XX/XX/2021 and {$750.00} XXXX in XX/XX/2021 to XX/XX/2021. The balance of the {$750.00} was not applied to my principal. It was very difficult to speak to a representative due to the automated system and disconnect end call.. I am very stressed and frustrated with this matter. I need my payments to be applied to my account.
|
| 07/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received a copy of my credit report on XX/XX/XXXX and it showed two late payments in XX/XX/XXXX and XX/XX/XXXX reported by Kia Motor Finance. I have never been late and attempted to correct this information by sending Kia Motor Finance two letters on XX/XX/XXXX and XX/XX/XXXX disputing this information as inaccurate. Kia removed the XX/XX/XXXX late payment but states that the XX/XX/XXXX is being reported as accurate and refuses to remove the incorrect information. I also provided Kia with a copy of my payment history from their website with both letters and they still will not remove the incorrect information.
|
| 07/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I was denied a car loan from XXXX. My income is {$1900.00} with my XXXX as a co-signer. But they still denied me saying I would need a 3rd co-signer which I don't know anybody. So I'm stuck between a rock and a hard place. My XXXX checked is credit report and it is a good credit score of XXXX and I was still denied. I am being unjustly denied a car loan. I'm getting all these car loan offers for a car loan because my bankruptcy has been discharged for a year now. But they still deny me. They just get me into the dealership to embarrass me. It's because of my race white and my gender being a female and my age.
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi Sir/Madam, I have bought a new car ( XXXXXXXX XXXX XXXX ) in XX/XX/2023 and financed it with " Hyundai Motor Finance XXXX XXXX When I went and check my XXXX XXXX credit report, it is showing that I have financed it with " XXXX XXXX XXXX XXXX.
This issue is present only with XXXX XXXX credit report. XXXX and XXXX showing the correct data.
I have tried contacting XXXX XXXX Credit bureau multiple times but no luck.
So that is why raising complain over here to fix my XXXX XXXX credit report.
I am attaching my latest XXXX XXXX credit report as well as latest Auto loan statement from Hyundai motor finance.
|
| 04/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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|
On XX/XX/2022 Hyundai MotoXXXX XXXX responded to an compliment I had filed with the XXXX XXXX XXXX, in their response they said and I believe under Oath they had done nothing wrong had explained this to me and that the problem was mine and my fault and they excepted no responsibility.
Their response was a Lie to your office and I hope your hold them accountable.
I have an email from there Corporate office that says they did in fact make a mistake with my account and that they fixed the mistake after reviewing my account, Im in the process of filing suite but in the meantime I would like their lie addressed.
|
| 07/19/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I Paid off my lease in full on XX/XX/2019, satisfying all lease terms.
Hyundai Motor finance then took an extra payment on XX/XX/2019. I have been trying to get the company to send the money back for about a month now. The company owes me {$330.00}, and I have no idea if or when I will receive the money back. Several representatives claim a check will be sent " Soon ''.
I can never contact the company. The phone system is specifically designed to prevent reaching an agent. It is cyclical, and often it just says " Goodbye '' for no reason. Often when transferring to an agent, it states " Call back later ''.
|
| 10/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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|
I purchased a vehicle following my lease from Hyundai Motor Finance.
I called them monthly to get my title which I never received.
They continue to tell me I can expect to receive it in the mail/ and that they will send me an email confirmation, however I never received anything. Now they are trying to make me pay a fee after never sending me a copy in the first place!
I asked to void the transaction but they wont allow me to do so.
They are offering no solution and I am running a legal risk if I use my vehicle.
I paid a massive amount of money for an item/service I didnt receive. They are defrauding me.
|
| 12/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased the vehicle from Hyundai Motors Finance back in XX/XX/. I was told the tile was sent but i never received it. Ive call numerous times ( lost count ) and spoke to many different people. ive told them that i need a limit power of attorney to switch the title into my name so that i could register the vehicle and ive got nothing in response im told i have to wait 24-48 hours for someone to contact me then when one one contacts me i call back and i am told i have to wait 3-5 days and still nothing. this is ridiculous i paid over XXXX for this car to not be able to drive it because its not registered
|
| 07/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
Older American, Servicemember |
|
Date received : XX/XX/XXXX Consumer 's state : AZ Product Vehicle loan or lease Sub-product : Loan Issue Managing the loan or lease Sub-issue : Billing problem Consumer Complaint Narrative I paid my normal monthly payment of { {$650.00} } on about XX/XX/XXXX but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad. KIA sent me a confirmation letter verifying this payment through XXXX XXXX. KIA REPOSSESSED MY CAR WHILE I OWED ONE " LATE '' PAYMENT THAT SHOULD HAVE BEEN TAKEN CARE OF BY THIS $ $ XXXX
|
| 10/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
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I was told that I was going to be a co-signer for a car loan from XXXX I es informed I was only going to be in a 6 month contract as co signer I ended up being he primary holder on top of it they later told me theirs no such thing as a 6 month co signer they call me demanding payment every month and on top of it all I got screwed by the man who I was co-signing for because the interest is more than theyactual payment if the car a the man I co sign for decided he didnt want it I went to talk to the financial department and the person whom assist us that day we went and was told he didnt work their any more
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
Car was paid in full and released from XXXX XXXX but my credit is negatively reflecting an unpaid balance that has been satisfied which is a direct violation of my rights under the FCRA. I have repeatedly disputed this with the credit reporting agencies, who only conclude that the investigation came back accurate and verified, but they never send evidence to support the claim. This has negatively affected my ability to obtain a new auto loan, and is causing great financial distress. There is a current lawsuit against XXXX XXXX, and I demand this false and negative entry be deleted from my credit report.
|
| 05/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I am currently leasing a XXXXXXXX XXXX
I was charged fees that were not justified or warranted.
I complained to Hyundai Capital Motors and was denied relief.
The Hyundai Capital Motors lease contract has an arbitration section for settling disputes.
I have submitted a demand for arbitration eight weeks ago and I have not received any response, They are ignoring their own contract..
They should pay their part of the Arbitration Fee and go forward with my demand.
By not responding they are forcing the closure of my claim. That is not just or fair or in accordance with their own lease contract.
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hyundai Motor Finance/Hyundai Capital America has falsely reported my account as 30 days late, when I am only 12 days behind. This has brought my credit score down tremendously. Could you please remove the late payment against me on my account, as I am not behind by 30 days or more. I asked for a payment deferment, as I am recovering financially from a medical emergency bill, while simultaneously relocating, and this hit to my credit score will greatly hinder my chances of getting approved for a new lease. Please update my account to reflect my fair and accurate account history to XXXX, XXXX and XXXX.
|
| 07/23/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
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HYUNDAI MOTOR is reporting that I owe over {$20000.00} dollars for a vehicle that I leased with them XX/XX/XXXX. I voluntarily surrender my Sonata vehicle on XX/XX/XXXX. I had asked Hyundai Financial to pick up the vehicle on XX/XX/XXXX, but they took too long to pick it up. The vehicle was in perfect condition. My credit report is reflecting a debt that does not correspond to reality. Should I have a debt for any responsibility for the vehicle, it should not be more that {$1000.00} dollars or so. I do not agree with such reporting and I oppose to any debt that Hyundai has been trying to charge to me.
|
| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This charge off has been reporting a late payment which is again against FCRA regulation. This is a violation and should not have been reporting for this long the late payment. And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX and with CFPB as well and they still have not corrected my report. And past reporting to credit
|
| 03/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Hyundai Motor Credit informed me that my interest on my car loan does not go down as I make my monthly payments to my vehicle loan. This is not the contract I signed. They informed me that my interest will stay roughly the same every month at {$1.00} per day from due date to due date. My truth in lending disclosure states I should pay {$2500.00} over the 72mo life of the loan. But if I pay {$1.00} per day that's nearly {$4000.00} over the life of the loan. I will attach a screenshot of my payments I made and you can see I am making extra payments to the loan but my interest is increasing every month
|
| 11/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have tried everything to resolve the issue from writing Hyundai capital a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the manager at Hyundai capital laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly hill to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way
|
| 09/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Essentially we tried paying our car payment multiple times. Unfortunately for whatever reason the wouldn't allow us. I Unfortunately contracted XXXX and tried to handle this in between my illness. I thankfully was able to do a screen recording of the error. Previously I have never had an issue making a payment to XXXX. I've tried calling multiple times between XXXX XXXX XXXX. I'm working 16 hours shifts. Money wasn't the issue it was the fact that XXXX wouldn't allow us to process payments. I've also attached my bank account below so you see that I had the funds available at the time to pay my bill
|
| 01/11/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX entered into a consumer credit transaction with Hyundai Finance XX/XX/2016. A consumer credit transaction in which a finances charge was involved. 15 USC Defines a finance charge as the sum of all charges in a consumer credit transaction. Hyundai Finance made me purchase my insurance separately and has violated laws including but not limited to 15 USC 1681a ( d ) 2 ( A ) ( i ) sharing this account with creditors, This debt was never validated according to 15 USC 1692g. Hyundai Finance is also using misleading information to try and confuse me saying that the FDCPA doesn't apply to them.
|
| 06/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been making payments for my property taxes for the leased vehicle XXXX XXXX since 2017. KIA Motor finance assumes this payment is NOT being made and demanded to make the payment in excess of {$2400.00} for all the previous years. I have shown them the payments made over XXXX County VA website for the same vehicle. I have gotten no response from them. They demanded me the entire amount else report to Credit Bureaus. I see a comment made on few credit bureaus that this account is past due.
Please help me. I have evidence related to payments and email communication Attached are the two files.
|
| 02/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have been sending " overage '' payments above my monthly financed contract to Kia Motors Finance USA. I have written them several times to indicate how my payments should be applied and requested that all payment amounts above my monthly finance statement should be applied to Principal Balance Only. I asked this company to confirm my request, and they continue to send me the same thing instead of confirming that my payments will be applied as instructed. In addition, they are reducing my next scheduled payment amount and using my over-payment to apply to future interest instead of as instructed.
|
| 05/21/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am very upset. My rights are being violated, and I can not tolerate this. This is about a Hyundai Capital America account. Here is the account information : Account # XXXX, opened date XX/XX/2017, original balance $ XXXX.
This company is violating the California Credit Reporting Act. I am demanding a fair solution to this matter Just want to mention some violatoins that they have committed : - Inconsistent credit reporting across bureaus.
- Failing to investigate account.
- Unfait business practices.
Please send the attached documentation to Hyundai Capital America.
Thank you very much.
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My car payment from XX/XX/XXXX XXXX was reported as late. However, the payment was made out of our XXXX XXXX account. The check was canceled by XXXX XXXX, however, we never canceled the payment and there was money in the account. After this, we received a notice in the mail stating there was a data reach within cadence bank involving all of our personal information. Now, we have a late payment from Hyundai Capital America although the payment was made. Then, our car was repossessed although we made all payments. Now, were unable to get the car back unless we pay the full balance owed on the car
|
| 07/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Hello, I've filed many complaints regarding Hyundai with contested end of lease charges, negative reporting on my credit report subsequently lowering my score. I saw the XX/XX/2022 CFPB order for Hyundai to pay for widespread credit reporting failures and I thank you so much for taking action. It is absolutely encouraging! My previous complaint numbers re : Hyundai : XXXX XXXX XXXX XXXX I was denied credit from XXXX XXXX XXXX XXXX making me ineligible for an auto loan {$2000.00} BELOW market rate. The Hyundai " charge off '' was one of the items checked as " collection action or judgement ''.
|
| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I made my final payment on a leased Hyundai in XXXX, then paid the buyout price. I was told the title would be released to me once I sent in the odometer release and signed bill of sale. I emailed them and mailed them the documents more than two and a half weeks ago. They still have not sent me the title, and now my registration is expired and I can not register the vehicle without the title. I have called Hyundai Motor Finance multiple times and they are either lying about not receiving the documents or they are simply refusing to release the title to me for a vehicle that I have paid for.
|
| 03/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American |
|
Kia finance America account # XXXX opened XX/XX/2021 fraudulent account be removed eight inquiries that was not authorized a fraudulent need to be removed all the fraudulents account that's close fraudulent but still on the account showing clothes but still on the account needs to be removed of the account address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these addresses are fraudulent needs to be removed off my report UPDATED CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANKS
|
| 06/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I use a loan acceleration company to pay my auto loan. They have made all applicable payments on time to Kia Motor Finance. The payments are sent out on the third week of every month. Do to this two payments were received in XXXX. They applied the second XXXX payment to the principal, even tough directions on the check was to apply to XXXX 's payment. I contacted XXXX when this happened and they informed me they would correct it, however they never did. They now have me in collections and want me to make an additional payment, instead of backing the payment out and correcting their mistake.
|
| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
This credit dispute is in regards of account number XXXX for a XXXX XXXX XXXX. This account was assigned to XXXX and XXXX XXXX. We created autopay so we would avoid any late payments. When autopay was set up they did not inform us about the last payment not being accepted by autopay. In which the last payment on XX/XX/2018 was missed. If this would have been stated, we would have made that payment to avoid any negative reports sent to the credit bureaus. During our account we have not missed any payments, so our history demonstrates that we had a good credit standing until the last payment.
|
| 12/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
traded-in/sold the vehicle in XXXX before the loan had been fully paid. During the transfer period to the dealership, the monthly transaction did occur. The dealership that accepted the trade-in also paid the full amount after taking owner however, the dollar amount was calculated before the last monthly payment was made. This left an overpayment of 1 monthly payment worth - amounting to {$340.00}.
I have contacted the Hyundai Motor Finance to retrieve this amount and they have repeatably told us that the refund is being processed and to wait up to 2 weeks. It has now been XXXX months.
|
| 12/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi, I have had numerous issues with Hyundai motor finance USA. I have had two issues of getting deferments on my account and then they reported them as 30 day lates. Ive also had some late fees showing on my credit as 30,60 days late. Ive never been more than 26 days late on my account I have always made my regulatory schedule payments. I had an XXXX credit score and now because of Hyundai reporting 2 -30 day lates and 1-60 late my score of down to XXXX all due to Hyundai as every other account in my credit has and shows a perfect payment history.
This needs to be corrected and stopped.
|
| 01/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I spoke to Hyundai financial in the month of XXXX and XXXX and they advised me that once I made 6 payments they would give me. Deferment. I call in XXXX and after I made the 6 payments and they told me that I would need to wait 12 months. I called them almost three weeks ago and requested to have the calls from XXXX and XXXX pulled so that could hear what was said to them a supervisor was supposed to call me within 72 hours after they listened to the calls and after 3 weeks I still have not heard anything. I need a resolution ASAP because they are pretty much taking my issue for granted.
|
| 02/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
Dispute of payment for one month with XXXX XXXX XX/XX/XXXX. Amount of lease {$420.00} was withddrawn from my account XX/XX/XXXX and never credited.
XXXX XXXX refused to acknowledge my claim and considered the account delinquent from XX/XX/XXXX to present day, XX/XX/XXXX.
I attempted to resolve the issue numerous times to no avail. XXXX XXXX has ruined my credit and refuses to lease another vehicle to me based on the low credit score I now have due to their negative reporting to various credit agencies.
Now XXXX XXXX is holding me hostage to buy the vehicle at a non negotiatable price.
|
| 01/03/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my car loan on XX/XX/2023. Hyundai sent me a message that the transfer of title and lien release letter will take 5 business days to be sent to XXXX DMV. it's been over a month and nothing has been transfered. Every time I call Hyundai Finance customer service they give me a run around and say they don't know when the transfer will occur. When I spoke with a manager he told me he understood my frustration but there is nothing he can do for me. I have searched on the internet and i am not the only one who has problem with receiving my title. Please help.
XXXX XXXX XXXX XXXX
|
| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
I had leased a new vehicle from Kia from XXXX and made all of my payments in full and on time each month. At the end of my term, I had returned the vehicle and an additional month was charged and I had no knowledge of it. The debt went on to be 30, 60 and over 90 days late. Ultimately ruining my credit and closing many doors for me for many years. Im still dealing with this issue and all of my efforts made in terms of reaching out to them myself and hiring a company to help me fight this battle were seemingly made in vain. Please help me get my things back in order. I dont deserve this
|
| 08/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
On XX/XX/21 I took my daughter out looking cars at various dealership. The dealership XXXX XXXX XXXXXXXX ran my credit without my permission XXXX. All of inquiries where hard credit pulls. Stated to her once that my daughter had no down payment money and she was in college and we were just looking at our options. I have over 10 hard inquiries on my credit now and my score has dropped. I feel lied to and mistreated. These actions were unfair and improper business handling. I left ther under the impression that my credit wasn't pulled and that we would come back when we made a decision.
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
XX/XX/XXXX - {$39000.00} - Car loan with Kia Motor Finance XX/XX/XXXX - {$41000.00} - Payments made from XX/XX/XXXX thru XX/XX/XXXX Account is now paid in full.
As of XXXX XX/XX/XXXX credit agencies e.g., XXXX have not been updated. Credit Agencies are still reporting an open balance of {$15000.00}. Kia Motor Finance has not updated the credit agencies since XX/XX/XXXX.
I have called, emailed and written Kia Motor Finance but they are unresponsive and ignore all communication.
I have a Letter of Satisfaction from Kia Motor Finance and my payment history attached for your review.
|
| 07/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made my monthly payment on this car loan. The payment was accepted and cleared. Then later i checked my bank account and the money was returned. I immediately paid the payment again. I tried calling customer service and i couldn't get any agents on the phone. I am not sure why they reported me late on my credit report to the credit bureaus. I also had deferred 3 monthly payments to the end of my loan in XXXX. So its not possible that i could have been late when they were differed to the end of my loan. This is outrageous i am so mad about this late payment hurting my credit reports.
|
| 07/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I received an email from Hyundai Motor Finance regarding a special promotion for loyal customers. The deal was for 0 % for 66 months plus a cash bonus. I went to the dealership XXXX Hyundai in XXXX. I showed the dealer the email I received and asked to see some vehicles. The dealer was not trying to honor the deal I was sent. The dealer also ran my credit 5-6 times through other banks without my permission. I called Hyundai Motor Finance Headquarters to complain and was told they will " attempt '' to reach out to the dealer but it is nothing they can do it would be up to the dealer.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
I have a lease with Hyundia Finance, which I have paid on time for the past several years. In XX/XX/XXXX, Hyundai starting applying my monthly lease payments to property taxes without informing me and, in XX/XX/XXXX, Hyundai informed me I was 60 days late on my lease payments and I learned they reported this to the credit bureaus. I paid the property taxes upon learning about the amount due, but Hyundai continues to report me as being 60 days late on my lease payments in XXXX, which is not true and the records conclusively demonstrate that all lease payments have been paid on time.
|
| 08/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I signed the lease in XXXX and cancelled two service contracts in XXXX. The cancelation form was processed on the same day ; however, the cancelation refund was not issued until three months later ( XXXX ), after my multiple contacts with three different parties : XXXX, XXXX, and local dealer.
I noted that the refund amount missing the SALES TAX portion which I had paid when I purchased the lease in XXXX. Today, I was told by the local dealer that Sales tax is not a refundable or cancellable item. If that is true, please send me the regulations or references regarding this topic.
|
| 10/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
In XX/XX/2020 we leased for 36 months a XXXX XXXXXXXX on a Single pay lease. We paid on the day we signed for the Single pay lease XXXX. After 19 months into the 36 month lease the car was totaled. The car cost XXXX the day the car was leased. My insurance company paid XXXX to Hyundai which is what Hyundai asked for for the car. Hyundai refuses to refund us for the 17 months of monies that we paid in advance when we purchased the single pay lease for 36 months.. We have called several times and sent a letter. Hyundai hung up on us and have not responded to the written complaint.
|
| 11/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I recently moved from XXXX to XXXX. Since XX/XX/XXXX I've been trying to get a letter of permission from Kia Motor Finance to register my car. Since then I have not been able to drive the vehicle because it is not registered and I don't have tags for the car. XXXX law requires registration with 30 days of permanently moving to XXXX XXXX.
I haven't gotten any updates from Kia and when I call customer service all they have to say is that it's being dealt with by a different department. It's been 5 weeks and I have no Idea what's going on and I have not been able to use the car.
|
| 04/08/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX RE : KIA Motors finance Retail Installment Contract XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear KIA Motors Finance, The confirmation notice dated XX/XX/2018 from your office cancelled ANY/ALL debt ( s ) and or payment installment contracts. The notice confirms that the debt has been paid in full. I have included a copy of the notice for your review. Please update your records as this information has been reported to the Consumer Financial Protection Bureau and a complaint has been filed.
Regards, XXXX XXXX
|
| 12/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
My car was repossessed by Kia finance without formal written notice as required by WV state law. I was informed by phone and was told that if I paid {$510.00} it would be placed on hold and that it was acceptable to make payments every two weeks, in accordance with my pay schedule, until I was caught up. I was informed on the day it was repossessed that the hold was only for seven days. So the first representative fraudulently misinformed me. Also as I tried to work out an arrangement with them at the time of repossession the representative on the phone disconnected the call.
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law.
I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
|
| 09/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We received a bill in XXXX forcing us to pay an extra {$830.00} that we was not made aware of as this was not part of our monthly payment obligation when we lease the vehicle in XXXX. As a result of this additional amount has put our account in delinquent status. We have always made our payment since XXXX on time. KIA Finance could not fully explain why we received a bill in XXXX as we did not receive any notice in XXXX or XXXX. This has caused a major headache and impact to our credit rating. When we lease the vehicle in XXXX, no one ever informed us that this would occur.
|
| 04/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX hasn't removed 3 claimed late payments from my credit report. The dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX show up on my credit report as being 30 days late. However I have never made a late payment. Upon disputing the claim with XXXX XXXX XXXX they have failed to provide a response since XX/XX/XXXX. It is now mid XX/XX/XXXX and I have yet to receive a resolution to this dispute which is adversely and unfairly affecting my credit score. Not only have I been making on time payments but have also paid double the monthly balance to pay off the loan quicker.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Hyundai Finance is reporting a balance owed amount that is incorrect, inaccurate, and false. The total amount financed was {$27000.00} and the remaining balance owed for payoff is {$7800.00}. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that Hyundai Finance update my credit report and only report a correct, accurate, and true balance statement.
|
| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In 2020 I purchased a new car through Kia Motors Finance. XXXX weeks later it was totaled by an oncoming driver. The other parties insurance, XXXX XXXX, paid for everything with GAP that we purchased covering the rest. I just found out that Kia Finance listed this as a charge off and it is creating issues with potential new creditors. I have asked repeatedly for them to correct it with no results. I then filed a complaint with XXXX and I'm told there is nothing they can do and it still remains. I was told to just get in contact with CFPB. I need help getting this removed.
|
| 03/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
I had a lease through Hyundai Motor Finance. When I returned the vehicle at the end of the lease ( all payments paid in full, on time ) in XX/XX/2018, they had charged me for extra fees that were never explained to me from the beginning. I had contacted them numerous times to work with them about the fees but did not come to a conclusion. Once they reported the fees to the credit bureaus, I ended up giving up and paid the fees. To this date, the missed payments are on both my wife and I 's credit reports. All scheduled payments were made on time for the previous 3 years.
|
| 11/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
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I went on to XXXX to see what a loan would cost me. They have a personalized payment calculator. At the time they were offering 0 % for 72 months. I entered in the calculator for a {$500.00} down payment. The calculator stated the car loan would be only XXXX a month for a XXXX XXXX When I went to dealership they stated cant offer that payment. I would have to do an additional XXXX down to get that payment amount.
They offered me 0 % for about XXXX a month. I told them I would put a XXXX down but their final offer was a payment of XXXX with a 5 % interest for 72 months.
|
| 08/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
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I made an overpayment on my account. The original amount due was {$31000.00} and I made a payment of {$33000.00} on XX/XX/2022. After numerous attempts and over 10 calls each month, I still have not been provided my overpayment refund or my title. Each time I contact the company I am told by the representative that it will be escalated. I have recorded each phone call and lastly was transferred to a supervisor who said there was nothing he can do because the company is backed up with their checks? I have patiently waited 6 months where my money could have been invested.
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a lease with Hyundai Motor Finance. Lease payoff was completed in early XXXX. As of today XXXX the amount is still showing as uncollected on my credit report and adversely effecting my credit rating. Have tried reaching out to Hyundai and am being told I have to follow up with a letter, no email, no phone number to dispute the charge. They acknowledge they have been paid and have not updated the report. So now I have to take the time to write the letter, mail it, and wait several more weeks for this to be completed while my credit report is lower because of this.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I paid off my car loan with Hyundai Motor Finance on-line on XX/XX/XXXX. I have received the clear title and the balance on their website shows zero, however they have failed to submit the payment information to the credit bureaus so it continues to show up on my credit report. I have called at least three if not four times asking that it be taken care of. As of today ( XX/XX/XXXX ) it is still on the credit report and today the customer service representative hung up on me when I started to ask why it had not been taken care of. I have also filed a dispute with XXXX.
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : HYUNDAI CAPITAL AMERIC XXXX, HYUNDAI CAPITAL AMERIC XXXX, HYUNDAI CAPITAL AMERIC XXXX
|
| 01/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
|
| 01/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
|
| 04/30/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
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On XXXX2016 I brought a XXXX XXXX XXXX XXXX The dealership I purchased it from was XXXX XXXX XXXX.The agreement was for 75 months at {$350.00} at a 12.4 % interest. I did not understand that the 12.4 % was not the actual total interest that will have to be paid. I believe that I was targeted and received a predatory loan. I believe that most of their customers received better rates and access to higher end cars. Nor was I told that I had time to opt out of loan. I was told that I was getting a {$2000.00} discount for the one year depreciation which I never received.
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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ON XX/XX/XXXX I WAS CHECKING MY XXXX CREDIT REPORT AND FOUND MULTIPLE NOON CORRECT UNAUTHORIZED INFORMATION ON MY CREDIT REPORT ADDRESSES PHONE NUMBERS ACCOUNTS AND EVEN AUTO LEASES I TRIED TO HANDLE THIS WITH CREDIT BURUES AND CREDITORS BUT THEY SHOW INFORMATION AS VERIFIED EVEN THO I SENT THEM A PROOF WITH MY COORRECT ADDRESS EMAIL ADDRESS AND PHOONE NUMBER THERE WERE ALSO COLLECTIONS FROM CELL PHONE COMPANIES THAT SOMEONE USED MY INFORMATION AND OBTAINED CELL PHONES AND LINES UNDER MY NAME I ALSO MENTIONED ON FTC REPORT ALL ADDRESSES CELL PHONES THAT ARE NOT MINE
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
|
|
XX/XX/21 Hello, my name is XXXX XXXX I had a problem with XXXX 's financial company, I was paying my car on time and they say no, I have the bank tests, confirmation numbers and documents that guarantee that I have paid correctly, they took my car early today, They give me information about the company they hired to take my car but I can not contact them, the financial company does not respond, my time, days lost from work, the exact information of where the vehicle is, my credit has been damaged and they They insist that the only thing they will do is return my car
|
| 04/05/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/2016 I paid the balance to Hyundai for the end of my lease. They still sold the balance to collections. Since then I have been harassed my several debt collectors for this balance that I paid to Hyundai and the debt collectors say that Hyundai needs to recall the debt. I called Hyundai 's billing department who confirmed that there is no balance owed and also confirmed that I should n't have been contacted by these debt collectors yet will do nothing to remedy the fact that they sold a debt that did not exist. Confirmation of payment on XX/XX/2016 is # XXXX
|
| 05/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I make my monthly payments to Hyundai Motor Finance and 3 of the 9 payments I have made has been returned stating that the payment did not go through. Each time I am required to pay a fee for the payment not going through. I pay all of my bills with the same account information and Hyundai Motor Finance is the only company that habitually returns my payments. I have repeatedly asked them to rectify the problem and they have refused. I do not want to continually make payments for them to be returned requiring me to pay additional fees that I should not have to pay.
|
| 09/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2019 I signed an extension agreement to skip XX/XX/XXXX payment. They sent the email with the agreement to skip the payment, i immediately signed the agreement and sent it back via XXXX XXXX. Kia emailed me back with confirmation that the document signed and filed. I have the email to confirm. They said we will resubmit the approval. I said I have proof that it was signed. My account is now 22 days late as the collections department contacted me on XX/XX/19 stating I was behind. I have an agreement with them and they do not want to honor the agreement.
|
| 08/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The Hyundai Motor Finance company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was hit over XXXX points. I tried to call HMF, but they would only say they have no information and I need to connect with their collection department.
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have incorrect information on my report, and the representatives from each that I spoke with did not seem to have any interest in assisting me with removing the information. I have sent multiple dispute letters to try and to show them how severe this is to my report but still no help. So I have listed all of the inquires next to the specific bureau below in hope that filing this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have 2 hard inquiries on my credit report for ths same exact date, for the same exact purpose. XX/XX/2016 I started an automobile lease through XXXX XXXX XXXX XXXX. Information on them below : Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The dealer also ran my credit and this caused the second hard credit inquiry on the same date of XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I was under the impression you should only be assigned one inquiry for the same exact financial purchase / obligation.
Thanks!
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Kia Motors Finance issued me a check for {$4000.00} I never cashed it, it was stolen out my car I contacted kia about this matter 7 times insisting that they cancel it well they didn't so I called back again the lady stated that the check was cashed and will not be reissued this was a smack in the face this was a reimbursement check from the overage charges please help my family my son is XXXX and will be evicted soon I'm counting on this please look into this and re issue check XXXX XXXX XX/XX/1987 please mail to XXXX summer XXXXXXXX XXXX XXXX XXXX, ga XXXX
|
| 12/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Kia Finance is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a XXXX balance and closed. I've submitted disputes to all three credit agencies.
I've asked for a open balance letter from Kia showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX XXXX to explain the situation. They immedialtely called Kia Finance- they could not rectify the problem.
|
| 12/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a new car in XXXX. I have since moved, and have tried to register the car in my new state. This requires a copy of my title and a one and the same letter. I have called Hyundai Motor Finance repeatedly to obtain these documents.
Each time, they say they will send it, then set the status of the document as complete without sending it. When asked why they wont send it, they say the request failed because they can not send the documents via email, and they agreed to mail it. They did not send it, and I have been unable to register or drive my car.
|
| 11/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 01/08/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I, XXXX XXXX, have a loan with Hyundai Motor Finance. My initial contract did not call for them to charge me a late fee. In XXXX of 2015, this company started doing so. The late fees have accumulated and even though I have been paying my payment, Reported on my credit as late. When I contacted the company, Their reply was that Alabama now allows them to charge a late fee. I did not get any notice of any change to my contract. I am a XXXX and if not resolved, plan on suing them in federal court. acct # XXXX XXXX/Hyundai Motor Finance/XXXX XXXX XXXX, CA XXXX
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I submitted written disputes to both XXXX & XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding Kia Motor Finance account # XXXX in the amount of {$2800.00}. Kia Motor Finance is showing charged off with a balance of {$2800.00}. This is inaccurate. Kia Motor Finance has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with Kia regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.
|
| 09/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/20 paid an amount of {$3000.00} that was not applied to our loan balance. Contacted the company numerous times since XXXX and still do not have a resolution. We paid off our loan balance on XX/XX/20 but the XXXX statement still shows we owe {$2800.00} while the My Account Details page shows we have a ( {$190.00} ) balance. We continue to contact the company to give us the money we overpaid and provide us the title to our car. The customer service representative keeps indicating they sent an email to the Finance team but nothing gets resolved.
|
| 02/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I seriously can not believe that I am writing this again. This is the THIRD time that XXXX XXXX XXXX has reported falsely to my credit report. Between XX/XX/XXXX and XX/XX/XXXX, they reported that the lease ( that I have paid in full ) is in collections! I am fed up with this company! I am going to take them to court again, because this is getting absolutely ridiculous. I do not understand how difficult it is to close this account once and for all. If I did not consistently check my credit report this derogatory remark would go unnoticed. I am FED UP!
|
| 12/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I apply for a loan to get a XXXX online but the seller call me and tell me the I don't qualify for this car and XXXX XXXX XXXX XXXX sell me a Kia he bring the car to delevery in my house I signed the document ovethere but the person never give me a copy or the contract when I go back to the dealer to ask for the contract the seller give me a document different the one the I signed AND I SEE THE dealer open me a JOINT account with my grandfather that fraud and I have the car registration. He is no my cosigner. Is a joint account and I live in Florida.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO REMOE THE FRAUDULENT ACCOUNT FROM MY XXXX CREDIT REPORT. I HAVE REQUESTED FOR XXXX TO PROVIDE PROOF THAT THIS ACCOUNT REALLY BELONGS TO ME, I NEVER REQUESTED FOR THIS ACCOUNT TO BE OPENED, I NEVER PAID FOR THIS ACCOUNT, AT LEAST IT NEVER CAME FROM A BANK ACCOUNT WHICH TRULY BELONGS TO ME. I HAVE BEEN SENDING MY IDENTIT THEFT REPORT TO XXXX TO REMVOE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM HYUNDAI MOTOR FINANCE, THIS WAS NOT ME.
|
| 12/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, KS in XX/XX/XXXX. I received a loan from Kia Motors Finance. I then paid the vehicle off in XX/XX/XXXX. I wrote a letter to the company certified mail to : Kia Motors Finance Attn : Release of Title XXXX XXXX XXXX XXXX XXXX, CA XXXX Post Office Article # : XXXX Company receive date : XX/XX/XXXX I went to the Kansas DMV on XX/XX/XXXX and the company still hasn't released my vehicle title. I've been waiting on this title for over a year. My advice to everyone is DO NOT get a loan from this company.
|
| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My 2017 XXXX XXXX XXXX was paid off in XXXX of this year. I have called multiple times regarding my title but all I keep getting from the customer service rep is that they are unable to reach the auction company. I expressed that they were negligent in not securing the title once payment was received and my acct was back in good standing. I spoke with a teamlead/ supervisor who stated she was working on a resolve but I haven't gotten an update or any documentation. I have composed a letter and will be sending it to the CEO of Hyundai Motor Finance.
|
| 10/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
HYUNDAI MOTOR FINANCE WAS ASKED TO PROVIDE TE ORIGINAL CREDIT APPLICATION FOR FINANCING TO SHOW THE DEALERSHIP XXXX XXXX EDITED OR ALTERED THE MONTHLY INCOME. IF NOT GIVEN WE WILL GET A ATTTORNEY TO SUPENOA THE RECORDS. WE NEED THE ORIGINAL CREDIT APPLICATION SUBMITTED BY THE DEALERSHP AND WHEN T IS VERIFIED WE ARE ASKING XXXX XXXX TO REMOVE FROM CREDIT REPORT. XXXX XXXX INCOME MONTHLY WAS NOT ENOUGH TO FINANCE FOR A BRAND NEW 2017. THE DEALERSHIP FALSIFIED THE REPORTS AND WE ARE ASKIG FOR THAT ORIGINAL CREDIT APPLICATION FROM HYUNDAI MOTOR FINANCE
|
| 08/05/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XXXX - XXXX -2017 I asked Hyundai Via their website portal to stop communicating by phone as their calls were so frequent as they became harassing and annoying.
On XXXX - XXXX -2017 a payment for {$450.00} was mailed out via EXPRESS mail with Saturday delivery before noon to their overnight mailing address.
On XXXX - XXXX -2017 Hyundai called again, but this time was early in the morning on Saturday morning.
This is a violation of the fair debt collections practices act.
PLEASE CONSIDER THIS MY NOTICE OF INTENT TO FILE A SMALL CLAIMS LAWSUIT.
|
| 05/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hyundai Capital sent the car title to the wrong address. I have been chasing them for over 9 months to get them to issue a duplicate title but they just give me no information on it. DMV refuses to release the title to me without a power of attorney from Hyundai Capital and they have refused to send that. They have provided no help whatsoever despite weekly calls, follow ups and complaints to consumer finance as well. They responded to the earlier complaint on consumer finance with a falsely represented response and have still not solved ny issue.
|
| 01/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I recently bought out my lease from Hyundai Motor Finance, but have not received my title despite having made the payment in full.
According to Hyundai Motor Finance 's official letter, they have received my payment and marked my account as fully paid off on XX/XX/2022. According to their website, I am supposed to receive my title within 10 days. However, they have not processed my title release at all. I have talked to customer service a few times to no avail. Searching online, this is a common problem customers have with Hyundai Motor Finance.
|
| 10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Huyndai processed my monthly payment incorrectly without my knowledge and as of result reported me late tot he credit bureaus. I made my monthly payments and for 2 month they were applying a portion of my payment to excise tax without my authorization- they paid the tax with the money from the regular payment and as of result my credit score has significantly been impacted i called and submitted a dispute but they refuse to remove it from my credit score - once i got an alert i called them and immediately paid everything to bring the act current.
|
| 07/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!
|
| 10/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/XXXX - We bought a new car and hoped to sell the XXXX XXXX XXXX that we paid off back in XXXX only to find out that Hyundai Motor Finance is still showing as the lienholder on the account. We called Hyundai to have them release the lien and they stated that they would and send over the documents.
XX/XX/XXXX - Did not receive anything as of yet and we have called them again to no avail. We are trying to sell our car and the fact that we can't even sell it due to the finance company holding it back is unfair to us as we fairly paid it off.
|
| 05/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hello a refund for over payment started on XX/XX/2022. I was advised process takes 4 to 6 weeks max. We are in week 8 in this process. Where my refund is not being issued. Hyundai Motor finance shows 15 days to complete and then I was verbally advised. The 4 to 6 week span which still has not been meet. I have been proactive in calling for updates and I am advised its escalated. Then I would have a call back in regard which I have not been called back. To resolve my concern in regard to Hyundai issuing my refund. I dont know what to do anymore.
|
| 09/24/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have advised the CEO of this company twice about their practice of billing my account when I have cancelled the payment. Whenever, I cancel that payment and advise them that I will make the payment on another date they still BILL my checking account thereby causing my checking account to to overdrawn. I discussed the second billing with them on XX/XX/2018 to cancel a payment they billed my account on XX/XX/2018. again this is the second time that this has happened. Account # XXXX -their phone number is XXXX and their fax numbers are XXXX XXXX
|
| 03/07/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX XXXX XXXX seized my vehicle this morning without attempting to communicate with me in person. By doing so, they took possessions of mine that are in the car. I am in the process of filing Chapter XXXX ( have not finished filing paperwork with court but have been working with an attorney for over a week ). I have both electronic key fobs but do not know where the car was towed so that I can retrieve my items and return the keys.
I want to return the keys and retrieve my items as well as check under the seats for any other personal things.
|
| 07/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Kia Motor Finance claim I still owe {$680.00} when the car was totaled and my Gap Insurance covers the entire balance but theyre still reporting a balance when it supposed to be deleted off my credit report on XXXX XXXX and XXXX. I have recorded conversations and documents stating that this account was going to be deleted off my credit report once Gap covers the balance which they did. Now I will be filing a lawsuit in small claims court because my life has been messed up for 6 years from Kia Motor Finance for their injury to my credit report.
|
| 03/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask the Hyundai XXXX XXXX XXXXXXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with the Hyundai XXXX XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
|
| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, XXXX and XXXX ) have not responded back to me about my investigation. I sent a letter stating Kia Finance XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.
|
| 05/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
i had a loan with kia finance- i paid the loan in full on XXXX after loan was paid in full, i did not realize that auto pay still sent another payment of XXXX on XX/XX/XXXX. I have called at least 20 times, unable to speak with anyone due to high volume of call and says to try again at later time, I have sent 3 emails to the customer service to request refund of XXXX, emails sent on XX/XX/XXXX, XXXX and XXXX I receive auto reply that says they have received message and will respond with 2 business days. I have yet to receive any responses.
|
| 05/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Hyundai told us upon sale in XXXX that a lien title was going to be sent within 10 business days. Today is XX/XX/XXXX and I still have not received a title. I have called Hyundai motor finance almost twice a week since XXXX. I have been told that the title is in the mail over 5 times since then. I have talked to managers and had the case escalated several times with no results. Without a lien title, I am unable to register my vehicle, rendering it unable to be driven since XXXX after my self purchased dealer registration extension expired
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit XXXX times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit XXXX times
|
| 04/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Calling before XXXX and after XXXX. I have asked them to stop calling before XXXX but each rep will just this is an attempt to collect a debt. They will call me 4 times a day or more back to back every 2 hours. I spoke with a rep last Friday on XX/XX/2022 @ XXXX. And told her the vehicle has been traded to a dealership and they have to wait for a check from the dealership. It was a brush like okay well we are still going to call you. Today XX/XX/2022 Kia Finance has call 4 times or more every two hours this is nonsense and its harassment.
|
| 09/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/XXXX I contacted Hyundai regarding getting the title and bill of sales after I was told by XXXX secretary of State that I needed the title/bill of sale before it could be transferred to me. The lease was paid off in XX/XX/XXXX.. On XX/XX/XXXX I spoke to a customer. rep who said that the title dept only worked on titles 2 days a week. They sent an e-mail, which I never received. In early XX/XX/XXXX I received a notorized disclaimer regarding the car but no title or bill of sale. I have contacted the company by mail as of XX/XX/XXXX.
|
| 10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX ran my report which gave permission for the following to run my report ...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted these places and they will not delete them because XXXX XXXX MADE THE AUTHORIZATION..
The problem is that I did not authorize ANYONE to do this. My ex girlfriend did it without my PERMISSION!!! My credit has been effected negatively and need this to be removed ASAP. I tried writing letters ... They all came back saying that they couldnt delete it ...
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My XXXX XXXX car was ruled a total loss on XX/XX/XXXX and my insurance reached a settlement to pay Kia Motors Finance XXXX the complete value of my car. The check was issued on the XXXX of XXXX but its still being reported in my statements that I owe the bank which is affecting my credit score and I cant start looking for a car no banks will accept me. I reached out to both XXXX and Kia Motors and no issue has been resolved. I would like to continue to search for a new car but I cant because of the payment anc check not being processed
|
| 03/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Interest rate is not displayed on monthly statement from Kia Motors Finance or on website XXXX ( when logged into account ). According to Regulation Z, Comment for 1026.7 - Periodic Statement, section 7 ( a ) ( 4 ) Periodic Rates states " 1. Disclosure of periodic rates - whether or not actually applied. Except as provided in 1026.7 ( a ) ( 4 ) ( ii ), any periodic rate that may be used to compute finance charges ( and its corresponding annual percentage rate ) must be disclosed whether or not it is applied during the billing cycle. ''
|
| 11/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I was charged an extra {$670.00} as XXXX of the automatic monthly payments from Kia Motor Finance America. I am expecting a refund of the said amount charged to my bank account on XX/XX/2022 after my car loan was paid off on XX/XX/2022. I reached out to Kia Motor Finance America at least XXXX times since then, filed several complaints, left a dozen voicemails and have still not received the said amount. I request you to please help me get my refund.
Please let me know if you may require any additional information regarding this case.
|
| 05/12/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I spoke to hyundai finance and they told me they dont see any late payments on my account and to call the credit dispute and to tell them theres no late payments on the account. I asked hyundai if theres anything they can do on their end and they said I have to call the credit dispute. So I called the credit dispute and filed a claim only for it to be rejected. Im asking for you to please remove the late payment shown around XX/XX/2018 from Hyundai motor finance as its completely inaccurate and severely damaging my credit. Thank you.
|
| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX I lost my job. I worked out multiple payment plans, waiting on a check from the XXXX XXXX to help with payment during financial burden. I was to call once a week and let them know what was happening with the check and if it was approved etc. My first question was will this hit mine and my co signers credit. They said absolutely not. I had till XX/XX/XXXX to catch the account up. This ended up hurting our scores by XXXX points due to late payment after, after we were told it would not due to being in compliance of a payment plan!
|
| 11/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
|
| 03/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
After an accident my car was totaled. My insurance company offered {$12000.00} which I accepted. I still owed {$6000.00} .Hyundai finance would not release the title of the car unless they received the full settlement and told me that they would refund {$6600.00} to me after payment. They cashed the payment from the insurance company on XX/XX/2021 .after many phone calls ( they do not have a email address ) I am always told that a request for payment has been sent to the payment department. No payment has been made as of XX/XX/2021.
|
| 09/12/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
A couple of months prior to my 36 month vehicle lease ending I received notification about possible additional charges. These were not mentioned at the time I leased the car. The only thing mentioned was the XXXX mile limit. When the lease ended they charged me {$400.00} to take their car back unless I agree to purchase the car. They also charged me for 2 tires, and scratch repair. The charges total over {$1200.00}. There were no scratches on the car when I returned it. They said it was inspected 3 days AFTER I returned the vehicle.
|
| 12/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am financing a 2019 XXXX XXXX I purchased from XXXX XXXX in XXXX. My contract and vehicle have the correct VIN but XXXX XXXX who did the financing has a completely different VIN listed. I have contacted them several times only to get no resolution. I am told I can not speak to a manager and managers can't call out or email to customers. I am paying for a vehicle that does not match the vehicle I am driving. The VIN on my contract is the VIN of the vehicle I am driving. I am in financial hardship and need to sell the vehicle ASAP.
|
| 09/15/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I leased a vehicle from Hyundai Motor Finance then purchased that vehicle through my credit union.
We submitted my Odometer Disclosure Statement along with the check. ( which was cashed on XX/XX/XXXX ) After a couple phone calls from my credit union they finally received the title in XXXX but no lien release.
After several more calls, we keep getting the same run-around. They say it has been mailed and we should be getting it soon.
It's been 3 months and I need to get this resolved before I can register it so I can drive it.
|
| 05/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased an a new 2015 KIA XXXX XXXX. I had FULL COVERAGE AUTO INSURANCE thru XXXX. The financing company isKMFUSA.On XXXX XXXX i had an accident. XXXX deemed my car a total loss. a couple of days later.
KFUSA sent XXXX a letter of guarantee with incorrect amounts. XXXX contacted KMFUSA for a corrected ltr of. guarantee KIA FINAN CIAL KMFUSA has not followed through on MULTIPLE OCCASIONS.
The total loss dept at KMFUSAis a highly protected dept where I can not contact them directly. I have emailed them and have had NO SUCCESS.
|
| 10/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Kia finance created XXXX accounts for my loan. I was unaware of the XXXX accounts and continued making payments under the initial account, though payments under XXXX account numbers show I have not missed a payment. They have sent me letters saying I am in default and am risking repossession. I have bank statements, as well as the combined account statements that show I have never missed a payment. I have been charged late fees, when payments have not been late. I have been unable to resolve this with Kia after months of attempts.
|
| 02/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hyundai Motor Finance will not allow overpayment or advance payment to go towardprincipal.
My monthly payment, which is due on the XXXX of each month and started in XXXX of 2023, is {$330.00}. I have paid in advance and paid more than the monthly bill and they do not allow me to apply any of the extra amounts or payments to go toward principal.
I have screenshots of their website showing there is no option to select " put extra payment toward principal '' and showing my history of them applying extra payments toward interest.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a lease with Hyundai from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and XXXX my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, Hyundai reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with Hyundai to continue making payments to them past my original lease agreement.
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX.
On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX.
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased my auto in XXXX. Made every payment early and over the amount. Paid last payment to Hyuandai Finance on XX/XX/XXXX. I still have no title. They said that it is an electronic title with XXXX XXXX Florida. XXXX XXXX Florida XXXX said its an electronic title with a non electronic XXXX. All I need is a lien release notarized paper from Hyuandai. Hyuandai is refusing to overnight me this paper after auto was paid off over 1 year and 3 months now. I have made numerous calls, heard Hyuandai blame me and the XXXX for errors.
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/ Balance : {$16000.00}
|
| 04/26/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I requested to receive my title when I paid it off in XX/XX/2022. They sent me a title but not the lein release. I go to the dmv and thats not the correct title and I cant do anything because they sent me a title that should of never been sent and I dont have the lein release still to this day. I called them they told me that I need a wet signature lein release and told me they will fax it. I need my title or Lein release ASAP its been 4 months and they still show they have a lein on me at the DMV. This is Hyundai motor finance
|
| 01/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX reported a late payment on my account claiming it to be 30 days past due! My account is not past due and all my payments are current. This report dropped my credit score 53 points! This is not the first time that this finance company has put wrong information on my credit report and before filing a complaint I tried to handle the previous situation with no luck. They need to contact ALL OF THE CREDIT BUREAUS and have this information removed ASAP, for I am trying to purchase a property within the next few months.
|
| 10/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Account Name : Hyundai Motor Finance Account Number : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, The item on my credit report has turned into a charge off but I noticed you never sent me a XXXX would you be so kind to send me a XXXX for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it as you know I have gone through a serious financial hardship, and this would help me with my credit in the future.
Thank you so much, XXXX XXXX
|
| 02/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I HAVE REACHED OUT TO THE DEALERSHIP ABOUT THIS ISSUE.I JUST FOUND OUT THAT I AM BEING CHARGED A PER DIEM RATE IN THE AMOUNT OF 9.22 % IN ADDITION TO THE 8.25 % APR. ALSO I ASKED FOR AN EARLY PAYOUT QUOTE. THE QUOTE WAS FOR THE TOTAL DUE AS IF IT WAS FOR THE FULL TERM. WHICH INCLUDES INTEREST RATE. I MADE AN EFFORT TO SPEAK WITH THEM TODAY AND THEY REFUSED TO SPEAK TO ME BECAUSE I AM ONE DAY LATE MAKING MY MONTHLY PAYMENT.
A PAYOUT QUOTE SHOULD NOT BE THE SAME AMOUNT FOR 75 MONTHS IF I HAVE ONLY HAD THE CAR SINCE XX/XX/2022.
|
| 06/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hyuandi Motor Finance is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my XXXX XXXX XXXX XXXX credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections for about seven days and then automatic report the incorrect information agin.
|
| 08/04/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This complaint in short is about an alleged " debt '' from XXXX XXXX XXXX with respect to excess wear and tear on a vehicle. The amount in question has been disputed and I feel as though XXXX XXXX XXXX has broken various Consumer Protection Laws under the Fair Debt Collections Practices Act, which is Federal Law, the state mirror called The California Rosenthal Act, and finally Business And Profession Code Violations.
Please see the attached correspondence to the company that has been sent, which goes into greater detail.
|
| 11/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX, XXXX acting as a debt collector for Hyundai Motor Finance improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.
|
| 10/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from HYUNDAI. Spoke with a Representative on XXXX XXXX, she also was not clear on amount owed. I have attached the Copy B receipt which reflects all balance taken care of and there is nothing owed for this account.
HYUNDAI FINANCE needs to make the proper changes to reflect all collections are complete and update my credit file as soon as possible.
|
| 01/29/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I have previously issued a complaint about this. I had an issue with this company reporting my account in delinquent status incorrectly. I did not pay the taxes due on the vehicle waiting for an abatement from the state. There was a balance of {$31.00} due after the abetment. XXXX never sent a new bill just reported my account as delinquent on the full balance of the lease which is dragging my credit score down. They keep telling me they fixed the issue but it is still showing up on my credit report as seriously delinquent.
|
| 09/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with Kia and Kia is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. XXXX needs to send a representative to manually check the records of Kia so that it can be reflected on my credit report that I have a XXXX balance. Kia is lying about this account so XXXX needs to properly investigate and this account needs be updated to a XXXX balance immediately.
|
| 07/11/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I get calls a number of times a day on my cellphone ( XXXX XXXX to collect a debt from Kia Motors Financial ( XXXX ). Neither I nor anyone else in my house own a Kia vehicle. Neither I nor anyone else in my house have a loan with Kia Motors Financial. The person they are seeking collection from is not myself or anyone in my house. I have told the reps a number of times and they tell there is nothing they can do and they can not change the telephone on file until the loan holder contacts them and instructs them to do so.
|
| 06/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX, I requested a copy of my title to register my car in XXXX. In XXXX XXXX I followed up and nothing was done yet. Fast forward to XX/XX/XXXX and nothing has happened. We have now retained an attorney since I can no longer drive an unregistered car and we are prepared to sue if Hyundai doesn't get their XXXX together. All we need is a COPY OF THE TITLE!!!! And Hyundai refuses to give it out. By far the worst customer service ever received and we are prepared to go to the end of the Earth to register my car.
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Multiple times I have sent letters to Kia Motors Finance ( KMF ) attempting to have a negative report removed from my various credit bureau reports. I have owed KMF {$0.00} on an account that has been closed for more than a year. I have received letters from KMF stating that they sought more information in order to initiate an investigation on my disputed items. I have received their requests for more information with zero initiation or displayed efforts on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all within 2020.
|
| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid my car off in XXXX still have not received the title. I called XXXX times and they tell me they send the lean release over 2 months now and still have nothing i had them send XXXX different letters and none ever got to me. I need my car for work and can not register it until i receive this document. The workers are XXXX and they hang up on me every time i call. I am nothing but nice but im getting extremely frustrated. Please help with this problem nothing left but to sue because they will never send the letter
|
| 05/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX was paid in full for the buyout of my lease for a XXXX Hyundai XXXX. They were paid via wire transfer and acknowledged the receipt of the money. They then told me that I would receive the title within a week. It has now been 4 weeks and XXXX XXXX has been avoiding and not returning my calls. Additionally, they charged me for expedited document processing as part of the lease end fees at the lease end and obviously failed to process the documents in an expedited manner or at all for that matter.
|
| 04/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Discovered the lender, XXXX XXXX XXXX, have been charging me a higher late fee than they were supposed to. I asked the lender about the excessive charge for a late payment and the asnwer that was provided was, they have a clause that allows them to charge up to 10 % of the monthly payment amount for late charges. However, for the state of Maryland, the late payment fees should not exceed {$20.00} for the states of Maryland, Kansas, Utah, and/or Louisiana. Ive attached supporting document. I have been charged {$49.00}.
|
| 12/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a car. In XX/XX/XXXX Hyundai Motor Finance illegally repossessed my car. On XX/XX/XXXX I requested a copy of the contract. To my dismay the contract now has a FORGED signature on the contract that WAS NOT on the contract when I left the dealership XX/XX/XXXX. I am giving XXXX XXXX XXXX and or Hyundai Motor Finance the opportunity to resolve this fraudulent matter. If not settled to my satisfaction I will be pursuing in Federal Court as FORGERY is a FEDERAL violation.
|
| 04/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I bought out the lease for my Kia XXXX XXXX in XX/XX/XXXX. I am yet to receive a title from Hyundai Capital America and have called them several times to ask for a status. They keep saying it is pending with NJ DMV and can not do anything to expedite it. The registration for my car has expired and I am unable to renew the registration without the title. The customer service agents ( especially XXXX at XXXX leasing ) are extremely rude and provide no helpful information. This has been pending for almost 9 months now.
|
| 02/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
i leased an automobile from kia of XXXX in ohio, at the use of my credit extension with seller. there where several mechanical issues, i returned the car to the dealership, after 18days of not having a vehicle once returned, i was informed that " under my powertrain limited-lifetime warranty '' my engine had been replaced with a used engine this was all done without owners consent, which violates my constitutional rights as well as my privacy rights, and the sellers obligations of non-performance and responsibility.
|
| 09/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Vehicle loan with Hyundai motor finance, loan has been paid off around 6 months ago, never received title, they didn't release the lien, I called at least 4 times, first they said they released the lien on XX/XX/2022, but XXXX and I didn't get. But they promised to send the lien release documents to home, I even made sure the home address is right with them, so far, nothing received, first call made in XX/XX/2022, second, third calls made on XX/XX/XXXX, XXXX call made on XX/XX/2022, still nothing arrive until today.
|
| 01/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had an account with Hyundai motor finance that I paid on time monthly. Once I turned the car in, I submitted the final car payment. ( Final payment in XXXX- paid twice that month ). I was subject to fees ( over mileage and disposition ) which I ultimately paid as well but were not part of the revolving payment.
Hyundai reported to credit bureaus that I paid my monthly installment late and that I settled for less than the amount owed- both inaccurate. I can not get someone at Hyundai to speak with me about this.
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is my complaint to XXXX XXXX XXXX for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is one of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.
|
| 03/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I called in late XXXX asking for a lien release statement and was told several times it was mailed on XX/XX/XXXX. After being promised I would receive it in 7 days, nothing showed up and was told it was re-mailed on the XXXX. I called once again asking for a copy of the paid in full letter and was told it would be emailed to me on the XXXX with 2 days for processing. I have failed to receive any of these documents after waiting almost a month even after being told 3 separate times I would receive these documents.
|
| 10/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I applied for a lease on Hyundai website. They gave me a reference number and told me someone would be in touch. They pulled my credit, I can see that on my credit report, but no one ever called me. I called the local dealer that they said they were sending it to, but they have no record of it. I called the XXXX XXXX XXXX manager and he never called me back. I have no idea what the status is. At this point I would not do business with them ever, but I hate the idea of my application being out there some where.
|
| 05/05/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
|
| 08/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
Older American |
|
I purchased the XXXX Hyundai I was leasing from Hyundai Finance They received my check on XX/XX/XXXX {$10.00}, XXXX I waited for the title to be sent and I called XX/XX/XXXX and was told they needed an odometer reading < I was never told that I received the form and faxed it 4 times and emailed once. They keep claiming they never received it I have fax verifications I even emailed the dealership XXXX Hyundai ( they do not answer the phone ) no response I am at the end of my rope I do not know what else to do
|
| 07/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have been paying extra on each monthly payment to lower my principle balance. The company isn't applying the payments correctly. They continue to lower my upcoming monthly payment by the extra payment amount. Eventually, I would skip a payment using their method because the monthly amount continues to lower each month. However, the extra payments should be applied to the outstanding balance, lowering the total amount owed on principle. My monthly payment would remain the same if they were applying correctly.
|
| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX has missed report my payment history. They are reporting me as 30 days late on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I disputed, they realized I was correct and removed. Then they re-reported it. This has happened 3 times. I don't no if this a computer error or clerk error on their end. Its starting to effect my ability to borrower money. I have paid the account off and have a history of all my payments to show I have never been 30 days late. Please Help
|
| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the XXXX and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the XXXX and XXXX a Bureaus have not provided the proper validation which violates my consumer rights.
|
| 10/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hyundai Motor Finance are morons. I paid off the loan as confirmed by them on XX/XX/2020. In both XX/XX/XXXXand XX/XX/2020 they have reported on mine and my wife 's 3 credit bureaus we have been late 30 days on each month. This after we had a XXXX balance. I put in a complaint with them last month and they did nothing, now XX/XX/XXXXshows ANOTHER 30 day late. My credit score dropped over 100 points and I am trying to get a mortage now. Hyundai didn't care and told me to dispute it with credit bureaus myself.
|
| 11/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, Kia Motors finance contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX. As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
My car loan from Hyundai finance was reported under XXXX XXXX XXXX and was reported as a charge off instead of being paid off I have contacted both parties ( Hyundai finance and XXXX credit bureau ) of the error on the report. Also Hyundai said they would send me a letter stating the car was paid off. This mistake on my credit report has caused me to be denied a car loan The finance companies do not want to finance some one who does not pay off their car loan Have complaint # XXXX XXXX from telephone call in
|
| 11/22/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I had already made a payment arrangement with Hyundai motor finance got a confirmation number and spoke to them repeatedly but they continue to keep calling me when they already know they have a payment in the system in one day I get more than 5 calls from early in the morning to the late hours at night. My car is almost paid off but yet they keep calling me for a payment and they have a confirmation number too. This company has made this car payment harassment and say they will note my account and never do.
|
| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I purchased a car XX/XX/2021, from Kia Motors XXXX, CA. But according to 15 U.S. Code 1605 - Determination of finance charge this code states that there should not be a cash down payment for consumer credit transaction. Kia reps continuously call and harass me on a daily basis. I already submitted {$4500.00} as a down payment ; I was not aware till further research that a down payment is not necessary upon a car purchase agreement. As a result, I would like to be refunded the initial {$4500.00} immediately.
|
| 08/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
At the range me of my lease with Hyundai Motor Finance, I never received a bill for the end-of-lease payment. I called the company, and was told they would mail it again.
No bill I called again and they said it would be emailed. I finally got an email and mail, but it was just a notice of privacy.
Finally last month I just paid the amount, without knowing what it was for - because they reported me as delinquent and it affected my credit score.
Still no bill, and my credit score went down over 100 points.
|
| 11/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I am being charged XXXX from Kia. It was never brought to my attention disposition fee to turn it in and a sales tax of XXXX. They say it was in the lease but i would not have bought it if I knew. They say if I lease of buy another car from them it will be waived, I am now XXXX and can not buy another car. Plus m6 car was XXXX miles under the lease agreement but they wont give me anyth8ng for that. Not fair. I can not afford to pay this. I spoke with the finance end of it and they said n9 way 8 have to pay.
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
|
| 07/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Filed a complaint two weeks ago due to not receiving my title when vehicle was paid in Full XX/XX/XXXX. Received a notice dated XX/XX/XXXX with no instructions advising here is the documented I requested, with a disclosure statement. I requested my pink slip and they still failed to provide. Kia has not provided instructions on what I need to do with the statement. I assume I have to mail it. But instructions are not clear. This is not acceptable. I am demanding my pink slip and all penalties that are due.
|
| 08/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I paid my loan off in XX/XX/2020. After several phone calls I have not been able to receive my title and can not register my car. The finance company said that they sent my title to the wrong address but would send a notorized paper to my correct address so that I could file for lost title. They have not done so. I have called them 5 times and only the last time was given any sense that the person on the line was going to help me. Each time they said that they sent the document, but I have not received it.
|
| 06/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have a case with consumer affairs and we got a agreement to settlement agreement and release I signed in front of a attorney and they send me the check but till now since XX/XX/2023 I havent received my title and XXXX XXXX there saying Im behind payments and that the check that they send me was canceled but I cash it in XX/XX/2023 thats impossible I try to talk to them and have a supervisor to call me till now after 5 months havent received any answers only that I own XXXX $ and my car is ready to towed
|
| 12/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been violated repeatedly and ignored by Kia Finance America/Kia Motors , and they refuse to send requested documentation. I have requests Debt Validation and Debt Verification and they refuse to comply by sending my requested documentation. I have sent other requests as well such as Right of Rescission, Billing Error Notice, 2 notarized Affidavits of Truth, Notice of Default and Opportunity to Cure, Debt Validation not verification.
They continue to violate my federally protected consumer rights.
|
| 04/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Kia is reporting incorrectly on my report for the last couple of years. I do not owe the company money. They have been reporting this as a repossession and charge off, but fail to provide proof of any information verifying the allegations. They have none of my information correct, stating the vehicle was repossessed at " my address '' that of which has no ties to me and never has. They are reporting someone else 's information and payment issues on my report. Please verify against my personal information.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted.
I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
|
| 02/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
WHEN I DIAL XXXX XXXX XXXX PROMPT SAYS THAT I HAVE XXXX ACCOUNTS : XXXX, AND XXXX.
XXXX????????
XXXX WAS TRADED IN XXXX OF XXXX TOWARDS ANOTHER XXXX AT XXXX XXXX ( PLEASE SEE ATTACHMENT ) I HAVE NO RESIDUAL OBLIGATIONS FOR THE XXXX THAT WAS TRADED.
ONE AGENT TOLD ME THAT I OWE OVER {$300.00} BECAUSE I, " DIDN'T CANCEL MY PLATE. ''????????
TODAY, XX/XX/XXXX, A, XXXX TOLD ME I NOW " OWE {$100.00} FOR A PROPERTY TAX. ''?????
GET THE " {$100.00} '' FROM XXXX XXXX WHO CLEARED THE XXXX AS A TRADE, PLEASE!
|
| 10/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 FOR 30 DAYS LATE???
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 12/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
Servicemember |
|
Hyundai Finc opened XX/XX/XXXX - was included in bankruptcy while in bankruptcy the total amount was suppose to be lowered to blue book valued price and payments were sent during the bankruptcy. The vehicle while in bankruptcy was wrongfully repoed and sold. The ending balance was recovered in the sale but finance company is still reporting the incorrect amount and caused the bankruptcy to be dismissed after not reporting the correct amount. The balance reporting is still incorrect and should be deleted.
|
| 09/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I called KIA Finance to correct the improper reporting. They said I was 4 months late XXXX, XXXX, XXXX and XXXX on my payments which was a lie. My payment was {$600.00} I sent {$1000.00} every month to pay {$390.00} on the principal. Then I paid {$10000.00} in XXXX because I wanted it off my credit by XXXX. They not only made me lose a mortgage, they made me lose {$100.00} to the inspection company for canceling the inspection at the last minute. My credit was PERFECT with this company. NEVER LATE EVER!
|
| 06/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hyundai is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to XXXX, XXXX, and XXXX and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.
|
| 05/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
At the end of my Kia Finance lease XX/XX/2017 they attempted to charge me for wear and tear for {$680.00} even though I had purchased an insurance plan to cover any of these expenses when I originally leased the car. After pointing this out to Kia and sending them a copy of the insurance plan they told me not to pay any charges until they finished their research. After 3 months they charged off the {$680.00} and did not contact me. My payment record was spotless. All of my credit history is outstanding.
|
| 01/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I returned a leased XXXX vehicle in XX/XX/XXXX to the dealer and they closed the account with a XXXX balance. They then reopened the account a month later and claimed the balance was $ 3800+ for damage that they claimed I left from the lease that the dealer did not see. The damage was a few small scratches that we did not make. They threatened to damage my credit report which they have done if I did not pay. I requested that they take me to court over the matter and they refuse.
account Number XXXX
|
| 03/22/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am getting daily phone calls from Hyundia credit about a nonpayment on late fees for a car loan and have requested that I do not be disturbed during Sundays - Dinner time or after evening hours and they keep harnessing me about a {$64.00} dollar late fee. I have requested several times that I am making my car payments and each month but this harassment continues for a mere {$64.00}. I need someone to intervene on my behalf. The phone # they are using is XXXX. I will sue them if I have a legal concern
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
CFPB # XXXX Additional Information Account is Paid XXXX of Payment XXXX Account in XXXX and XXXX has never been updated correctly.
See attached : 1. original lease paperwork.
2. XXXX XXXX Paid Total Loss Accident which occured on XXXX.
3. KIA never updated account in credit bureaus and refuses to correct their WRONG information.
4. Please have KIA Companies who have changed their names several times since XXXX recognize this account is paid infull 5. Restore PAID Closed Current XXXX Balance Owed.
|
| 12/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I have paid extra on my auto loan to go toward the principal. There is not an option to do principal only payments online so you have to call in after the payment posts to the account. I have made over 7 calls and my payments are still not being applied correctly to the principal. I also requested that the interest for that time period be credited back as I should only pay interest on the correct principal amount. I believe they make it difficult so you don't pay extra to pay the loan off quicker.
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| 11/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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Sense XXXX of 2022 I had to assume the responsibility of caring for my grandmother along side my XXXX XXXX XXXX son. I tried to contact Hyundai Motor Finance for help in maybe finding a way to lower my monthly payments. I became behind but I managed to make payments well it's getting harder for me even more now because I have medical bills due to my son 's XXXX flare ups and having to go back and forth to the ER. I've tried to contact the lender inorder to come to a resolution. Or better yet help.
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| 06/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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I bought out my lease on XX/XX/2022. Paid XXXX with a check.
I called XXXX on XX/XX/XXXX to make sure they were sending me my title and gave them my new address.
I was informed that it was shipped on XX/XX/XXXX. I waited two weeks and received nothing.
After calling them I was informed they mailed it to the wrong address and theres nothing they can do to help me.
I called them every other day since then Trying to get someone to help me but all they do is hang up and be extremely disrespectful.
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| 06/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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My auto loan ( Hyundai Finance # XXXX XXXX began on XX/XX/2017. Although my required monthly payment is {$360.00}, I have had {$400.00} set-up as my auto pay amount since the start of the loan. All payments have been made on-time. I recently discovered that my over-payments were not credited to the principal as I expected but rather were supposedly credited to " future payments '' ( despite my continuing to be billed every month and debited ). I will attach a recent statement and payment reminder.
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| 04/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
Servicemember |
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This vehicle was returned under SCRA in XX/XX/2020. The vehicle has been grounded but they refuse to close my account. I call almost every week trying to figure out how to get this account closed and how to get it off my credit report, but Hyundai Motor Finance transfers me to department after department with no resolution. For almost seven months now, everyone I speak with promises that they will close the account but no one ever does. So I call back and the same thing happens with no resolution.
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| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I DID NOT AUTHORIZE THESE INQUIRES.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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| 01/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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they went in to my checking acout and try to pull out XXXX but it was no money in the acout because i have not schule a payment i all ready sen theme XXXX on XX/XX/XXXX XXXX was no money for theme to take out on XX/XX/XXXX XXXX and when i went to try to pay them on line they lock my act and told me that i hand to pay them XXXX before the can remove repojecting off my suv.so i pay them XXXX .and noe the telling me istill hold them XXXX wich i dont because they recive the XXXX out of my check acct.
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| 04/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I had a lease that was supposed to end in XX/XX/XXXX. I took the car back to the dealership on XX/XX/XXXX, returned the car and entered a new lease with the same company. Was advised older car was paid off, and no future payments would be withdrawn. I received an email stating that a payment will be withdrawn on that account on XX/XX/XXXX. Not sure how they can do this when the account balance is XXXX. They say it is because I am still in autopay. How can I be in autopay when the balance is XXXX?
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| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
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| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Car loan was paid off in XX/XX/2022. There was an overpayment. We have not received the overpayment/refund owed back to us. I have contacted the company multiple times a month for last 6 months with reassurance that the overpayment is being mailed but to date I have not received anything. I shouldn't have to keep calling for overpayment that is clearly owed back to me. I spoken with multiple account specialist and keep hearing the same thing over and over again with no resolution. PLEASE HELP!
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| 01/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The KIAMOTORS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
KIAMOTORS XXXX
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| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B.
Hyundai Capital America acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.
15 USC 1605A states the finance charge is the sum of all charges.
15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.
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| 05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX keeps saying they fixed the problem, but it still show incorrectly that the account was settled for less than the full amount. ( see highlighted portion of XXXX XXXX response ).
This is costing me {$88.00} per month in extra payments on my mortgage. It's been incorrect since XX/XX/XXXX. XXXX keeps apologizing, but hasn't fixed it. I'm getting tired of waiting. My next course of action will be in court. I will try and recover damages for my payments due to their negligence. FIX THIS!
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| 01/22/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After repeated calls that went automatically to spam, I called back Kia/Hyundai finance at XXXX. I informed them that I have never owned a car, let alone a XXXX. I asked them to confirm that nothing was registered in my name. They confirmed this. I asked them to remove my number. They did this. Around 2 weeks later, they began calling me again. This debt is not in my name, associated with me in any way, is not part of identity theft or anything of the sort. They just won't stop calling me.
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| 12/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My car was totaled in an accident ( not my fault ) in XXXX of 2021. My XXXX XXXX XXXX paid XXXX XXXX in full plus {$2000.00} extra. XXXX XXXX will not settle this account despite taking the money. My mortgage applications are being denied because my credit report still shows I have this car ( and now 2 car payments ). I have begged and pleaded for 4 months and NOBODY not even supervisors are able to say why they will not close out this account and stop billing me for a monthly car payment.
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| 11/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I had a Hyundai XXXX Account # XXXX which had completed the lease. I never received an end of lease statement. I have made several requests for this so I can submit the damage waiver so I can have that deducted from the amount owed.
On XX/XX/2019 I got a letter saying that a final bill will be mailed but never did get anything ( see attached ) I am also attaching a report to show that it is reporting a balance.
This has been transferred to collection yet I never received any proper bill.
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| 09/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
Older American |
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I leased a kia I did the regular maintenance on it. Kia said that they are not responsible to honor warranty if not done at kia? They stated how do they know it was done properly. without any warning light first the battery needed a boost then it stalled the starter stopped and then the engine locked. never ever a warning light.the car was due back on a lease return and i am responsible for installing a new engine. i am a widow on social security and neerd to come up with over XXXX dollars
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| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I have paid off my lease. The title was sent at the end of XXXX. I noticed today that my home and billing addresses were not correct ( missing street number ) for some reason. I never filled out the address for this online account. This is an undeliverable address.
I need the title ( time sensitivity ). After contacting Hyundai customer support, they said that it could take up to XXXX days to have this reconciled, and I do not have the time. I need assistance in getting the title ASAP.
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| 11/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
Older American |
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My complaint is with Hyundai Finance. I had leased a XXXX XXXX XXXX from XXXX XXXX and turned it back in to them in XXXX, XXXX. Hyundai finance continued to bill me for the payments and turned me into a collection agency afterwards. After contacting both the dealership and the finance company where they both admitted their mistake, my credit score has not been corrected. It went from XXXX down to XXXX. I 've always had excellent credit and pride myself in that! Please help me solve this.
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| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Reporting late payments on a loan that's not technically mine.
According to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
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| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have a credit check from HYUNDAI CAPITAL AMERICA un XXXX. I live in XXXX XXXX and never did anything at that time to inquire about a loan from them or anyone. I tried calling to get removed but it took the 4th phone number and different city branch to get ahold of someone that has no idea what to do or where to send me. There is no one to talk to from Hyundai capital and as soon as you call they say to talk to support call different number and company? Please help this is very scammy
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| 01/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I XXXX XXXX received my XXXX report, and I noticed an organization that is listed Kia Motors I have entered a consumer credit transaction with Kia Motor finance charges. A consumer credit transaction is a transaction in which a finance charges was involved. Pursuant to 15usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance s charges is the sum of all charges I was not expecting to see a charge off on my report. 15usc 1692 ( b )
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| 09/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.
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| 07/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
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| 03/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem extending the lease
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|
Web |
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I am writing in today about my Car lease with Kia Motor Account # XXXX. This account is reporting a late pay in XX/XX/2020. I would like to address this matter. My account was on autopay the entire duration of the loan. Upon extending the lease I was under the impression that the payments will continue being withdrawn out of my account. Unfortunately that did not occur yet the minute I was made aware of this issue I made the payment and fixed the problem as not to have that again.
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| 01/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I purchased a vehicle from XXXX XXXX XXXX XXXX HYUNDAI in New Jersey and financed by Hyundai Financial. I am trying to transfer the vehicle out of New Jersey to PA and pay off the loan but it will void the warranty. I purchased the vehicle with my gf. For some reason I was left off the title. The warranty is only valid to the originally titled person. I have contacted the dealership and Hyundai financial and each keeps blaming each other for the mistake. I am primary on the loan.
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| 04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I financed a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX the vehicle was involved in a accident, XXXX paid on the car and the gap insurance paid the rest. I don't remember the exact date but recieved information that the car was paid off. I believe it was at the end of XX/XX/XXXX. The status of the loan is still open on my credit report and it's making it hard for me to get a home loan. I will be contacting XXXX XXXX XXXX today. Please respond with solution to help me. Thanks
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| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
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I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.
I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.
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| 05/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Older American |
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My XXXX has been for years being a 2013 XXXX XXXX XXXX. I was advised by The California Department of Vehicles that the paperwork should have been sent to them as soon as the last payment was posted. I now live in XXXX and they sent me a notarized document that The Arizona Department Of Motor Vehicles will not accept. They want a Pink Slip that shows as paid in full and that the lien has been removed. This has been going on for months and resulted in non operation of my vehicle.
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| 11/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I paid off a Hyundai over 15 months ago, and I have been unable to get Hyundai Finance to release an electronic lien since then, so I can not get the title. I have called Hyundai Finance 9 times, been to the XXXX 4 times ( who have been great, by the way ), and even went to a Hyundai dealership, but still no title. I have received two affadavits from Hyundai Finance showing the loan is paid off in full, but they have been unable to clear the electronic lean after numerous calls.
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