HYUNDAI CAPITAL AMERICA

2018-01-24

Hopewell, VA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2018-01-24

Tampa, FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: 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
Company Response: Closed with non-monetary relief

Timely Response

2018-01-24

NY

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: 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.
Company Response: Closed with explanation

Timely Response

2018-01-24

Cocoa, FL

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2018-01-23

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-01-23

Dover, NJ

Incorrect information on your report

Vehicle loan or lease: Lease

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-01-23

Lisbon, WI

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2018-01-19

PA

Incorrect information on your report

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

Account information incorrect
Complaint: 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!
Company Response: Closed with explanation

Timely Response

2018-01-18

Colts Neck, NJ

Written notification about debt

Debt collection: Auto debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-01-18

Ironbound, NJ

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem while selling or giving up the vehicle
Company Response: Closed with non-monetary relief

Timely Response

2018-01-18

Brandon, MS

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

2018-01-17

Wallington, NJ

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: 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?
Company Response: Closed with explanation

Timely Response

2018-01-17

Pikeville, 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 non-monetary relief

Timely Response

2018-01-16

Orange Park, FL

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

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: I was not late with my XXXX XXXX XXXX account # XXXX I was not lat on my payments on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was late on XX/XX/XXXX but that was because I was hit with hurricane Irma I have paid and made up for that payment
Company Response: Closed with non-monetary relief

Timely Response

2018-01-16

Cheverly, MD

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: XXXX refuses to work with me when I call with difficulties and try to adjust payment dates and amounts. They will give me additional time over the phone, but still send me certified mail about a repossession before the agreed upon time.
Company Response: Closed with explanation

Timely Response

2018-01-16

Mount Olive, OH

Can't contact lender or servicer

Payday loan, title loan, or personal loan: Title loan

Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-01-16

PA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-01-15

Taft, OH

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-01-15

Burlingame, CA

Incorrect information on your report

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

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

Timely Response

2018-01-14

GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-01-13

Chester, VA

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

2018-01-13

Bohemia, NY

Incorrect information on your report

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

Account status incorrect
Complaint: Turned in lease early bought a new car from same dealership in XXXX 2017 they were supposed to pay the rest of the car off and the time the dealer ship did created late payments I was never late on a payment the removed it from 2 credit bureaus but have not removed it from XXXX I 'm trying to buy a house and this is really causing a problem for me I have spent hours on the phone with them and I can not get anywhere
Company Response: Closed with non-monetary relief

Timely Response

2018-01-13

NJ

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with fees charged
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2018-01-13

Jupiter, FL

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Complaint: 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.
Company Response: Closed with monetary relief

Timely Response

2018-01-12

Davie, FL

Managing the loan or lease

Vehicle loan or lease: Lease

Billing problem
Company Response: Closed with explanation

Timely Response