Product: Vehicle loan or lease

After leasing a vehicle from XXXX XXXX for three years, with all monthly payments made in a timely manner, and all maintenance performed at the dealership from where I leased the vehicle in a timely manner, I turned the car back, after a one month extension expired. I paid {$380.00} for the lease extension fee and another {$1200.00} for outstanding taxes. Each payment was paid by separate check. 

On or about the third week of the extension, I received a phone call from XXXX XXXX XXXX informing me that I was delinquent with the monthly lease payment and that I need to make the payment immediately! I politely told this individual that he must be mistaken for I made both the lease payment and the tax payment. And, without missing a beat this person told me that if I didnt make the payment now that my car would be repossessed! 

This made me very upset and I informed this caller that he just violated the FDCPA because I didnt think that Hyundai was ready to repossess the car from a customer with a history like mine at this point! I then informed this person that my lease payment cleared my bank on the XX/XX/XXXX in the amount stated above, to which he replied that they applied those funds to taxes! And at point I requested to speak to a supervisor! 

A supervisor named XXXX came on the line and I told her everything that occurred with the previous individual and other things that was wrong since the extension began such as the notice I received from the DMV regarding the car registration and the fact that I was told not to register the car for that was Hyundais responsibly. And after expending {$250.00} on insurance, plus the lease and tax fees, I was told that I should go register the car where another {$100.00} registration fee was paid, in addition to {$120.00} for taxi fare was incurred. XXXX then told me that nothing more was due Hyundai. I  asked her if that meant I didnt owe anymore taxes and she said that was correct. 

The last week of the extended lease I had to bring the car to the service department for a thermostat. And being the XX/XX/XXXX week I was told that the car most likely wouldnt be ready until Thursday the XX/XX/XXXX and I called on the XX/XX/XXXX but was told that it wouldnt be ready until Monday the XX/XX/XXXX! So on the XX/XX/XXXX I got the car out of service, was given a receipt, then immediately drove back into the service area to return the car to Hyundai. I was given a receipt from the return people then went home.

Approximately two to three weeks later, I received a notification of excess wear and tear charge, among others, in the amount of {$740.00} for damages to the tires and curb rash on the wheels. Enclosed therewith were pictures showing gouging in three out of four tires, with extensive wheel rash! I was amazed and in disbelief because after three years I only put XXXX miles on the car and the car was in perfect shape! I immediately contacted the dealer ( XXXX XXXX, of XXXX, Connecticut ) and notified them both verbally and in writing that this damage was not caused by me! I also contacted XXXX XXXX to inform them. 

Both the dealership and XXXX XXXX denied any responsibility and in my pursuit of finding facts I began to review both the service receipt and the turn back receipt where I discovered that approximately 90 miles were put on the car while in possession of the dealership during the service they performed! Then after more than a month or two of constant communication the dealership agreed to pay for the excess damage charge. 

It was just about this time the I found out that XXXX XXXX XXXX   submitted derogatory reporting to the credit reporting agencies which in my opinion was inaccurate, done in bad faith, and hurtful as my score went from a high good rating down to a fair score. My argument was that Hyundai cant misapply my lease payment to taxes, then call me delinquent, then report me to the credit agency! They were aware that I was disputing the debt and I was proven correct so far as with the excess wear and tear damage. The information they reported was inaccurate and just plain wrong, their reporting of due dates were arbitrary and not binding as the debt was in dispute. Furthermore, they were somewhat responsible for the delays since I could never talk with the same individual, that the issue at hand was beyond their authority and when they indicated that a supervisor would have to call me back, I never received a callback! So now its out of control but tonight I did receive a call and a few issues were addressed. However, I was told that the credit department would review this reporting issue but they will only remove perhaps the first derogatory but not the others. This is unacceptable to me for the reasons stated above.