Consumer complaint received 2020-06-30
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Kia Motors Finance to request my credit be updated with the credit bureaus. I was involved in an accident that wasn't my fault. My car was deemed a total loss. I need to find another car so I wanted my exceptional payments to be fully documented and up to date. I called around 15 times trying to explain it. I was getting told I needed to dispute it with the credit bureaus. I finally ask to speak to a supervisor and was denied. The representative said the supervisor wasn't going to tell me anything different than what she said. I contacted the top administrator for Kia, XXXX XXXX, by email. I record everything, that's why I had a dash cam in my to prove I wasn't responsible for the accident. I emailed Mr XXXX and attached the recorded conversation with the lady who wouldn't let me speak to a supervisor. I was way beyond frustrating at this point. Kia has always had a ten day grace period before considering the payment was late. I previously used that ten day grace period around nine times prior to the current incident. It was one day past my due date and I was charged a late fee and it was reported to the credit bureaus so it would appear to be late. This was in retaliation because of the email with me being denied access to the supervisor. The payoff on the car increased on the credit report. XXXX  said on XX/XX/XXXX it was {$10000.00} and this was consistent with their automated system. XXXX   however had the payoff at {$11000.00} on XXXX the XXXX. The very same day I emailed him about being denied access to a supervisor. Recording the conversation was completely legal. The Oklahoma State Statute says as long as one party of the conversation gives consent to record the conversation it's legal. I was the one party of the conversation who consented to the conversation being recorded. He knew a settlement had been reached. I was waiting to see if the money would arrive during that ten day grace period which I used around nine times previously. The payment is due on the XXXX. On the XXXX I was charged with a late fee and it was recorded on my credit report negatively. In previous ten day grace periods I was never charged a late fee or negative reporting. He's reported false information to the credit bureaus, commiting abuse of power. I have bank account records showing my XX/XX/XXXX payment was made on XX/XX/XXXX. My XX/XX/XXXX was made on XX/XX/XXXX. My XX/XX/XXXX payment was made on XX/XX/XXXX. My XX/XX/XXXX payment was made on XX/XX/XXXX. Anytime there's a {$360.00} charge it's because I deferred a payment. I deferred the XX/XX/XXXX payment. I paid my XX/XX/XXXX payment on XX/XX/XXXX. My XX/XX/XXXX payment was paid on XX/XX/XXXX. My XX/XX/XXXX payment was paid on XX/XX/XXXX. My XX/XX/XXXX payment was made on XX/XX/XXXX. I would catch up and only used the ten day grace period when I had too. I always made sure my payments were made by their definition of being late. I received no documentation stating their policy had changed and no negative comments on my credit report. They knew my settlement was for XXXX which would have paid off the {$10000.00} payoff balance. He made certain {$11000.00} was falsely reported to the credit bureaus so I would have to pay cash or file my gap insurance. A difference of {$730.00}. I need a vehicle. I have to make it to medical appointments in XXXX XXXX 3 hours away. I'm supposed to have XXXX. My auto loan payments were exceptional and now reflect negatively. I can't get a car to make it to my appointments and XXXX if my auto loan has been falsified by abuse of power. If you have any more questions or require further documentation please give me an opportunity to address those.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation