Consumer complaint received 2022-12-22
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
During the pandemic our lease was up. We called as we always do as responsible adults 3 months out and in a panic due to everything shutting down. Kia corporate kept telling us we do not know anything. Can not answer. I called Kia XXXX and they said they were closing down and their lot was full and they could not accept anymore cars. The said only XXXX was open and could take our car. We called them and they said to bring the car in and we can see what they could do because they also maybe shutting down. Upon arrival we explained that we could hold onto the car for another month or two because we did not want three payments since were were barely working and my wifes company had been shut down. They explained to us that we should NOT get a bill from Kia for the extra three months and that IF we did that they should work with us on it and not to worry and it was a good idea to turn in the car early since they may be shutting down. WHY WOULD ANY HALF SMART person get a new car and not wait a month or two if they did not have to? EIGHT months go by and we got a letter in the mail from KIA stating that we owed 3 months of the other car! I called them and they would not discuss as per usual. I had to write in and wait another 30 plus days for a response. Then when I got one - they offered me a payoff amount because I was LIVID and they would not and refused to work with me. I agreed to basically pay those scammers two months and they not only put in as a charge off but also 3 months late!! How dare them and now we just got scammed again by Kia and they salesman who refinanced our car pulled a fast one and said that for {$50.00} extra a month we would have a service plan that covered all MAJOR services and we said that's really good because we just had an oil change but did not get the full service because were were not sure if we were refinancing or getting a new car. Had a 30 minute talk about it. We then got the plan took it in to XXXX and had to PAY FOR OUR SERIVCE up front got scammed again because the {$50.00} a month was only for oil changes and who in their right mind would pay {$50.00} a month for 7 years for oil changes????? After the manager delayed with every excuse in the books for never getting back to me blah blah it was too late to cancel the loan docs. They finally sent the money to XXXX XXXX credit to put toward the principal as well so I have proof of being duped once again by Kia. And THREE kias ago we were told that we got a new one and found out it was a different year than we were sold and I have another friend who they did to as well. This company is also fraud and horrible - I wish we never got stuck into this but they force us to stay or we have to pay them {$500.00} to go to a different kind of car at lease end. This is the only reason we have stayed with this terrible company- we are being held hostage- this is a joint loan and needs to also be fixed for XXXX XXXX XXXX XXXX XXXX. Same address email XXXX XXXX

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