Consumer complaint received 2023-08-17
Company: HYUNDAI CAPITAL AMERICA
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
DESCRIPTION OF COMPLAINT : I am financing a car, Kia XXXX XXXX. I pay $ XXXXmth on payments. My last payment was XX/XX/XXXX. I have XXXX payments remaining to pay off loan from the XXXX. For 6 months, I am being denied ability to register my car in my state of New Mexico due to the neglect and actions of my car dealer named " Kia Finance America '' and/or state agency named " XXXX XXXX  '' . I am reporting this complaint and report my property rights are being infringed. The car dealer as XXXX has bad business and deceptive practices. They continually fail to fulfill their obligations in providing the necessary documentations to allow my registration in New Mexico from Oklahoma. The issues preventing my registration is the need for the correction of the lien holder name and address on the title for Kia has changed that business information since XX/XX/XXXX. Also there is the need for a duplicate title request from them. Some how, The original title was lost due to the state of Oklahoma 's attempt to mailing the title to me. They mailed it to the wrong resident home address that I no longer lived at during that time they mailed it. I am not certain how all that occured, why, or remember for it was 2 years ago. I talked to Kia XXXX for duplicate title request several times and I have talked to supervisors and multiple actions being said resolution has been escalate to higher management to help register my car in my current state. They fail and mislead that they have processed the resolution every month for the last 6 months. Their promises are untrue and delinquent and they fail to take proper action to get my car registered in New Mexico. Now, I no longer am able to register my vehicle and seek immediate help. I have been floating on multiple 30 day temporary registration as a single paper and have had threats of car being towed with no plates for so long. I am XXXX on XXXX XXXX  XXXX and need my vehicle. I have done all I can in vehicle registration procedures and my title and registration is being held hostage this way. I already have had past notices of car being taken and towed and a law enforcement citation warning of having no plates on my car. My XXXXr has caused these problems in trying to keep my my property that I have taken a large loan for. This is not right and bad business. 

WHAT ACTION WILL RESOLVE PROBLEM : First, Kia XXXX needs to correct XXXX name and address on title because Kia changed that business information since XX/XX/XXXX. View Corrections needed. 

INCORRECT : XXXX Kia Finance XXXX XXXX XXXX XXXX, GA XXXX CORRECT : Kia Finance America XXXX XXXX XXXX XXXX XXXX, TX XXXX Second, XXXX  needs to request a Duplicate by filing out the Form 701-7 of XXXX XXXX. XXXX XXXXXXXX XXXX at XXXX [ Note : The " XXXX XXXX XXXX '' has strict rules to follow requiring Power of Attorney for documentation corrections. ] The XXXX should then be transfer to below location. 

XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NM XXXX That is agency I am currently working with in XXXX New Mexico Note : Oklahoma lost original title by wrong attempt to send it to me and mailed it to a wrong residential address and I did not live there at time. I moved long before and the very last time I had physical plates was in Michigan. Therefore, I do not know exactly how this extraneous situation had happened or how original title became lost or why they were trying to mailing title to me in the first place. It has been two years since I lived in Oklahoma to remember why. Please help register my car an resolve this issue it has gone to far out of order.

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