Product: Consumer Loan

I am at the end of my lease and was prepared to turn the vehicle in due to the unsatisfactory service I had received from the dealership. There was no process in place to inspect my vehicle, I reluctantly left my keys with the dealership and was told I would receive an email within the next few days confirming my turn in. I never received an email. Almost 25 days later I receive a bill from the Hyundai Motor Finance Company for an amount that is not what was disclosed to me at time of application. They are charging me tax on the vehicle. One representative explained to me that it was a sales tax and required in my state. I explained that I already paid sales tax at initial time of lease. She said that she could n't give me more information regarding the tax. There were also charges that reflected damage to the vehicle in the form of stone chips. I disputed this and resolved the issue. This changed the amount due. I requested to have a new bill sent to me to reflect the true amount owed. I was advised to just send payment using the old bill. I refused and again requested a new bill be sent. I was not going to send payment that was less than the amount due shown on the incorrect bill. I also was concerned about the due date. I have never been late with payments and wanted to be sure that a new payment date would be in effect to account for the time needed to send a new bill. I was told as this point that even though the bill states a 15 day payment window, I really have 30 days to remit payment. I commented at this time how that seemed deceptive to consumers. I also requested to speak with a supervisor to voice my concerns with this company 's business practices. I was told that a supervisor was not available and one would contact me. Over the next 7-10 days, I had calls missed from Hyundai Motor Finance. At no time did they leave a message. I have a full time job and am not always available to answer the phone. When I finally was able to speak with a supervisor I was given completely different answers regarding the tax that I was being charged. This time I was told that it was a property tax. I replied that its not my property anymore, how can you charge me a disposition fee ( {$400.00} ) to turn the car over and still claim that I owe a property tax on the vehicle. The supervisor just kept repeating the same thing over and over. Its a standard tax that is charged in your state. I told him at that point that I did n't agree with some of their business practices and thought they were deceptive to consumers. I also stated that I did not receive the new bill that I requested. He said that he had no explanation for why I did n't receive it, but would get it in the mail to me. I again raised concern regarding the due date. I told the supervisor that I did n't want anything reflected as a late payment and he assured me that I would not be considered late on the payment, provided that I remitted payment by the due date reflected on my new bill. I explained to him that I would be very unhappy if I began to receive any calls pertaining to the status of my account, since this was their error in billing and not mine. He again assured me that I would n't. My new bill came with a date of XXXX XXXX and payment due in 15 days ( or is it the secret 30 days?? ) on XXXX XXXX. On XXXX XXXX I received a message from Hyundai Motor Finance asking me to return their call. When I called the next morning, I was treated unkindly by a representative, who refused to tall me why I received the message until I gave them all of my personal information. I verified my SSN, first and last name and she asked if I was calling in regards to a XXXX Hyundai Elantra. I confirmed, but she still refused to tell me why they were calling until I verified my DOB or address. I did not want to give that info ... .she clearly had my information in front of her and was being difficult. I asked