|
11453384
|
2025-01-09
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Loan
|
| Date Received |
2025-01-09
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
11740520
|
2025-01-25
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11799996
|
2025-01-27
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11514121
|
2025-01-14
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11758197
|
2025-01-25
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11632678
|
2025-01-18
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Lease
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
upon checking my credit report ive noticed that hyundai motor finance reported me late on certain months.and it is hard for me to get credit because of those late payments.im asking for a courtesy goodwill reversal of those late payments as i will set up a autopay with the lease contract.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10210140
|
2024-09-24
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11741015
|
2025-01-25
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem after you declared or threatened to declare bankruptcy
|
| Sub Product |
Loan
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11458026
|
2025-01-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11317111
|
2024-12-29
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Lease
|
| Date Received |
2024-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-29
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Hyundai motor finance has sent a a term of lease certified mail stating that because I have an outstanding balance that my lease would be terminated, with confusion I called the company speaking for XXXX different people basically telling me if I did not make a payment arrangement I can not be transfer to the proper department, I asked for a manager and thats when I was hung up on, with frustration I waited to call back the next day which after explaining that my payment history is proof of the amount of payments Ive made in the past 3 years they keeps trying to give me random dates that there was a failed payment - finally spoke to a manager which he stated there are XXXX total payments made which in 3 years there are on 37 months, he then stated the on XX/XX/XXXX is where the missing payment was and that intact is throwing off the whole system, I went ahead and sent over my chase statement stating that on XX/XX/XXXX that payment was taken from Hyundai motor finance. I emailed that to the email XXXX with the subject XXXX on XX/XX/XXXX - he stated that This has to be forwarded to another dept for further clarification and to call back that following Monday to get an update, and that everything was documented in the notes. I called back and not one person Ive spoke to has any idea what I am talking about and they need to collectee a debt before transferring be to a manager- I then got hung up on and an email sent that my payment is past due! I should not owe a payment until XX/XX/XXXX!!!! Please help!
|
| Consumer Consent Provided |
Consent provided
|
|
|
10683612
|
2024-11-04
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Lease
|
| Date Received |
2024-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11400100
|
2025-01-06
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Termination fees or other problem when ending the lease early
|
| Sub Product |
Lease
|
| Date Received |
2025-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10474037
|
2024-10-16
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I didn't give access to the KIA COMPANY why they put a hard inquiries on my credit report
|
| Consumer Consent Provided |
Consent provided
|
|
|
10965053
|
2024-11-28
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11086687
|
2024-12-09
|
Problem with a company's investigation into an existing problem
|
Vehicle loan or lease
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Lease
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Facts : - At the end of the lease for my XXXX XXXX XXXX in XX/XX/XXXX, I visited my closest dealership to review the most current models. A sales manager at that Hyundai dealer convinced me to purchase a new XXXX XXXX XXXX without using Hyundai Capital financing but assured me that I would still receive certain benefits as though I had. Most important was offsetting the " turn-in '' & other excess damage fees.
- When I received the new car, a very eager junior salesperson failed to collect the XXXX key fob ; and subsequently requested that I return the next week to deliver it.
- When I did return the key, the dealership originally claimed it was too late because the vehicle had already been " grounded. '' - I subsequently received a lease close-out invoice in the amount of {$970.00}, which included the cost of the key fob plus a turn-in fee & charges for excess mileage.
- I vociferously disputed the invoice with the dealership & Hyundai Capital, and after more than 2 months of my regularly calling and requesting follow-up, Hyundai agreed to correct the invoice and remove the charge for the key fob.
- I immediately asked for a copy of the corrected invoice and was initially refused. I plainly asked, " How do you expect me to pay a bill I have not seen? '' and the agent terminated the call. This was on or about XX/XX/XXXX.
- When I called again on or about XX/XX/XXXX, an agent promised that I would receive a corrected invoice at my mailing address within XXXX business days. This did not happen.
- I then called again on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( which was fraudulently logged on XX/XX/XXXX ), XX/XX/XXXX ( an actual call ), and XX/XX/XXXX.
- Each time I was informed by an XXXX employee that I would receive a corrected invoice via email or regular mail. No corrected invoice has ever been delivered.
- Each time after XX/XX/XXXX, I was told that a " Supervisor '' would call me within XXXX business hours. It has been more than XXXX business days, and I have never received any return call from a Supervisor. On the contrary, I have learned that fraudulent calls that never occurred have been noted on my account.
- I have never received via email or XXXX postal service a written explanation of the correct final payment due on this lease.
- Ignoring this critical and legally required information, Hyundai Capital has delivered knowingly false information regarding my payment status to several national credit rating agencies.
- After stating the above facts in an email I finally received a call from a Supervisor on XX/XX/XXXX, who finally ordered a correct invoice, which Hyundai Capital back-dated to XX/XX/XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6437816
|
2023-01-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7194696
|
2023-06-29
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Was not notified of investigation status or results
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-29
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6261139
|
2022-11-30
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2022-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11088913
|
2024-12-09
|
Problem when making payments
|
Credit card
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit card
|
| Sub Issue |
You never received your bill or did not know a payment was due
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6365542
|
2022-12-28
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Fraudulent loan
|
| Sub Product |
Loan
|
| Date Received |
2022-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6309691
|
2022-12-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto debt
|
| Date Received |
2022-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5997934
|
2022-09-20
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
uploaded a letter XX/XX/22 to hyundai fin they violated my rights and they remove the account from my consumer report but now hyundai capital americ is reporting the same account to my consumer.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5905979
|
2022-08-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6016232
|
2022-09-24
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Unable to receive car title or other problem after the loan is paid off
|
| Sub Product |
Loan
|
| Date Received |
2022-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6252719
|
2022-11-28
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Unable to receive car title or other problem after the loan is paid off
|
| Sub Product |
Lease
|
| Date Received |
2022-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
5704126
|
2022-06-26
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Someone used my information to open a Kia Motors Account. I learned of this account when a credit monitoring service notified me of the negative reporting. I didn't open this account, nor did I authorize anyone to do so on my behalf. The account was opened fraudulently without my authorization. Please see the attached FTC report and my Dl and remove this from my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6344045
|
2022-12-20
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Fraudulent loan
|
| Sub Product |
Loan
|
| Date Received |
2022-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6545921
|
2023-02-08
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Lease
|
| Date Received |
2023-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5346147
|
2022-03-21
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Unable to receive car title or other problem after the loan is paid off
|
| Sub Product |
Loan
|
| Date Received |
2022-03-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10461218
|
2024-10-15
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I received a bill of {$1500.00} from Hyundai Motor Finance, but when I asked for an itemized bill, they refused to provide it. Instead, they sent me an old bill with an incorrect number. I need the itemized bill because I have excess insurance on the car, and the insurance requires it to cover the excess. Despite asking for the bill several times, I have not been successful. I ended up sending the incorrect bill to the insurance company, which took a long time to resolve. As a result, the Leasing company put a late balance on my account, and I'm facing difficulties with my credit score.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4984939
|
2021-12-07
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
HYUNDAI CAPITAL AMERICA
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2021-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-12-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
