Consumer complaint received 2023-06-29
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hyundai Motor finance has fraudulently treated me as a chattel slave to a contract. due to non-disclosure and I have recently send correspondence that they have decided to ignore. By law I never was given proper notice that the contract was the asset. The contract was fraud, no meeting of the minds or value and proper acceptance was given. I have rescinded the contract due to fraud and I sent a w-9 to request the EIN still no response and will be sending a 211 IRS whistle blower form to audit the accounts of others as well. These subprime lenders know federal laws and constitution yet continue to fraud the public. The laws states that all obligations are of the United States Government 18 USC 8, 31 USC 3123, HJR 192 and Public Law 73-10. I have requested to recoup all funds paid into the off balance account. They also violated federal law by not disclosing that the transaction is either a cash OR credit transaction. They charged my credit card ( ssn ) and demanded federal reserve with threats to take the car even repoed the car and I paid many fees to get the car returned. Finance charge is the sum of all charges and they charged me a down payment and many other fees. They also made me pay for my own issuance which is all against the law. I have noticed this fraud and demand all recoup of funds returned. Please be advised that if deprivation of rights has occurred by cfpb as well as Hyundai Motor Finance can be held liable by law. I want this matter settled immediately as by law I can rescind and express the trust as the grantor and beneficiary and received my recoupments under holder in due course doctrine. I know that CFPB, HYUNDAI MOTOR FINCE Knows THE LAWS OVER CONTRACT, anti-trust and defrauding the government. Please be advised that I have rescinded the contract the documents are attached. You have attempted to close out the contract which out consent of the ORIGINAL creditor! Also prove that you loaned me something. You have used mail fraud payment statements not a true bill without proper endorsements which was always a positive balance and to my knowledge of accounting you can not pay a positive balance so credits were due to me. Fraud has taken place. I CAN GET THE DOJ, secret service and other government agencies involved I can seek damages and due to the contract being fraud fill a class action. Correct your mistake and close this account immediately. I have logged into the account and its still active which means fraud is still going on. Prove that you did not securitized the loan? Provide the original note which is the contract I initially submitted to get financing thats the original asset.. not the fraud contract you have sent me! The United States corporation is in bankruptcy so to request I pay is against the law. You have made me pay and I have the right to rescind and recoup payments made. This is written in good faith and I have an adverse claim in the contract as I am the only signature.

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