HYUNDAI CAPITAL AMERICA

2018-02-12

Corona, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2018-02-12

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-02-09

Warwick, RI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-02-09

Phoenix, AZ

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-02-08

La Tuna Canyon, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Closed with explanation

Timely Response

2018-02-08

Euclid, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-02-07

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: 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
Company Response: Closed with explanation

Timely Response

2018-02-06

Natrona Hts, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief

Timely Response

2018-02-05

Oxford, GA

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Complaint: I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.
Company Response: Closed with explanation

Timely Response

2018-02-04

Buffalo Lake, NC

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Billing dispute for services
Company Response: Closed with explanation

Timely Response

2018-02-03

Elberon, NJ

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Contacted your employer
Company Response: Closed with explanation

Timely Response

2018-01-31

San Diego, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: 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
Company Response: Closed with non-monetary relief

Timely Response

2018-01-30

MD

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: 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?
Company Response: Closed with explanation

Timely Response

2018-01-30

Bradley International, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-01-30

Gilbert, AZ

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Termination fees or other problem when ending the lease early
Company Response: Closed with explanation

Timely Response

2018-01-29

MA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Termination fees or other problem when ending the lease early
Complaint: 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.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-29

Lake City, GA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-01-28

Douglasville, GA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-28

Boloxi, MS

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: I was only late over 30 back in XX/XX/2017. I had on time payment untill I had a dispute. Then my report started showing 30 day late every month or more because of a XXXX dollar late fee That I wasn't notified of. I paid what the representative told me to pay.
Company Response: Closed with explanation

Timely Response

2018-01-28

Cypress, TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2018-01-25

Wallington, NJ

Struggling to pay your loan

Vehicle loan or lease: Lease

Loan balance remaining after the vehicle is repossessed and sold
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-01-25

Hamburg, MN

Struggling to pay your loan

Vehicle loan or lease: Loan

Problem after you declared or threatened to declare bankruptcy
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-01-25

San Gabriel, CA

Problem with customer service

Credit reporting, credit repair services, or other personal consumer reports: Credit repair services

Company Response: Closed with explanation

Timely Response

2018-01-25

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation

Timely Response

2018-01-25

E Islip, NY

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Closed with explanation

Timely Response