HYUNDAI CAPITAL AMERICA

2015-10-14

Glendale, CO

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-13

South Florida, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-10

Reno, NV

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-09

Fort Pierce, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I filed a complaint on XXXX/XXXX/14 with the Florida State Attorney General 's Office about Hyundai Motor Finance calling me repeatedly at work, even though I had asked them not to in writing, because I am not allowed to get personal calls at work. They said they would stop doing so, so I let it go. Today, they called me at work again. They know they are not to call me at work.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-26

Gaithersburg, MD

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Quartzsite, AZ

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

CA

Shopping for a loan or lease

Consumer Loan: Vehicle lease

Complaint: I paid off a car loan in full to Hyundai Motor Finance on XXXX XXXX 2015 & received a letter stating I had paid in full. In late XXXX 2015 when applying for a home loan, I learned from the lender that the debt was NEVER reported to fico as paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-21

Galeville, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-16

Tarzana, CA

Shopping for a loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-15

Plymouth, FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-15

Atlanta, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I made mulitple payment arrangements with Kia Motor Fiancee on my XXXX XXXX XXXX XXXX. They told me that I would not be reported late to the credit bureaus because I had made payment arrangements. Ultimately Kia Motors Finance reported XXXX late payments to all XXXX of my credit bureaus, despite our payment arrangement.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-15

CA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-09

Austin, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-05

New Orleans, LA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-03

Affton, MO

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-26

Watkins, CO

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: I leased a vehicle from XXXX XXXX and now would like to purchase the vehicle. My lease contract states N/A for a purchase option fee at the end of the lease. Now they are trying to charge me a {$590.00} processing fee that was not disclosed or agreed to at the time of the initial lease. I would appreciate any help you can give.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-21

Caro, MI

Taking out the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-21

Columbia, SC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-20

Katonah, NY

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Pikeville, NC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-18

Norcross, GA

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-16

Colts Neck, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Yeagertown, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have a car loan through Hyundai Motor Finance and they do not provide me with the interest rate of my loan. This information is not available to me via my online account with them and it is not listed on my monthly statements. Interest rate is a critical piece of information about my loan and should be included on my monthly billing statements.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

San Diego, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response