Consumer complaint received 2022-04-04
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Monday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX was towed due to me falling behind on my payments. 

I am self employed with XXXX children one of which is XXXX XXXX and I have had XXXX XXXX  within the last year on my service due to XXXX XXXX. I have had to be on bed rest at some point and time which did put me behind with my earnings and income. I have however regained strength enough now to work full time and continue being on time with my payments moving forward. 

XXXX XXXXXX/XX/XXXX I called kia around XXXX that morning to find out all details on the car and how i can regain repossession. I was told the balance I had to pay was {$2200.00} which was the fee for me being behind on payments as well as the fee for the towing. I immediately told them how serious this was for me to continue working and because I have kids I informed KIA MOTORS, XXXX XXXX XXXX XXXX XXXX XXXX ), as well as XXXX XXXX that I was serious about obtaining my vehicle as soon as I Could XXXX 

XXXX I exorted all my funds and borrowed {$1000.00} to pay the balance owed and attempt to get my vehicle only to be told by XXXX XXXX that my vehicle was taken to auction the day prior which was THURSDAY. I spoke to XXXX XXXX that day and he never mentioned that. 

I paid {$2200.00} to kia and my car is at XXXX XXXX  in XXXX until XX/XX/XXXX. I am very aware of the law and I know this can not be legal. I am current on my payments since I have now completely paid the balance. I have not received a bill of sales or any letter of attempt to sale my car at this auction. I am told I must pay this auction {$230.00} as well as pay for my expenses to take a trip to XXXX to obtain my vehicle which will inquire funds as well. I don't have a way or help to get to XXXX and it will be almost impossible to do so with my XXXX XXXX XXXX child. 

This has caused me a great deal or hardship and pain as I am exhausting funds using XXXX to get to where me and my kids need to go with no transportation and because I am self employed it is impossible for me to get to work destinations. I have no way to pay for my kia being at the auction. 

I am told by XXXX that kia would be able to assist with my car being brought back free of charge and that KIA motors should be responsible. I am begging for help in this matter as everyday is costing me that I can not make money. I have lost countless cleaning jobs and everyday I am spending money. Please help me. 

The damages and stress this is causing will make me become XXXX 

I have invoices everyday from XXXX when I was supposed to be able to pick up the vehicle showing that I will no longer get paid for missing those jobs. This has caused me to be behind on my rent as it is the beginning of the month. I have already received a letter to make payment or ill be taken to court for possession of the occupied apartment. 
This is not fair to me. Please help.

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