Product: Consumer Loan

on XXXX/XXXX/XXXX I leased a XXXX XXXX. I was told that in the state of Illinois I had too pay tax purchase price of the car. {$33000.00}, less my trade in credit of {$3500.00}. Total tax was XXXX. The residual value was set at {$20000.00}. KIA finance gave me XXXX different buy out quotes. on XXXX/XXXX/XXXX I got a buyout quote of {$20000.00}. on XXXX/XXXX/XXXX I paid {$530.00} for my last XXXX lease payments which were XXXX & XXXX XXXX. Then I got a buyout quote on XXXX/XXXX/XXXX for {$19000.00}. On XXXX/XXXX/XXXX my credit union XXXX XXXX sent a check to KIA Finance for {$20000.00} to purchase the XXXX. I was told by XXXX ( SUP ) and XXXX of KIA Finance, that the taxes were included. on XXXX/XXXX/XXXX I received a message from XXXX asking me to call her at XXXX and ask for extension XXXX regarding my payoff information. I called her back and she said they were closing out my account but there was a refund in the amount of {$350.00} and asked were did I want them to send it. I said to me I verified my address. XXXX said her supervisor would process the closing of my case and they would forward the title to me. She said she would call me back by end of the day. On XXXX/XXXX/XXXX I called XXXX, to follow up and was told the supervisor did not close the account if I would hold on she would inquire. Finally, XXXX said they were processing my account and the title would be sent to XXXX XXXX XXXX XXXX tomorrow. She said my refund of {$350.00} will take up too 20 days to process. On XXXX XXXX, XXXX I received the title and bill of sale, the bill of sale did not reflect the residual value of the car which was {$20000.00} but was the buyout amount of {$2400.00}. I called KIA Finance at XXXX and eventually spoke with XXXX for over 40 min. XXXX said that was the price I paid for the car, but I said there is a mistake. kept justifying the amount. He then reassured me he would expedite my refund. I called Illinois Department XXXX XXXX XXXX, XXXX. I was informed the amount of taxes I would have to pay was {$1300.00} Plus {$190.00} registration and title change. Now I have paid XXXX taxes {$1900.00} and XXXX on the same car. I was never informed by XXXX or the dealership that at the time of lease that if I purchase the XXXX XXXX after lease I would be responsible for a dabble tax. on XXXX/XXXX/XXXX I called KIA motor finance about my refund I was told they are waiting from a response from accounting. I have been calling XXXX about my refund. On XXXX/XXXX/XXXX I called KIA motor finance XXXX at XXXX and spoke to XXXX about my refund of {$350.00} however she said it is pending and she could not tell me anything else. I asked to speak to a supervisor, XXXX and I spoke he stated the check was approved on XXXX XXXX, XXXX but was not processed. He stated he would check with accounts payable and see if he could get it sent to me by next day mail He stated he would get back to me by the end of the business day, he asked for a good number I gave him my home and cell number. as of the end of the day XXXX I have not heard back from XXXX the KIA Finance manager. as of XXXX/XXXX/XXXX I have not received any more information about my refund, or any thing about the taxes. Had I been told about the dabble tax I would not have leased the XXXX XXXX XXXX. I was told I had to pay the whole tax on the car.