Consumer complaint received 2023-11-11
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor : kia financial XXXX XXXX NOTICE FORMAL REQUEST FOR VALIDATION OF ALLEGED DEBT : Dear kia XXXXXXXX XXXX XXXX This is notice of my formal request for validation of debt in accordance with the fair debt collection practices act pursuant to 15 USC 1692g. I have noticed that your company has put this alleged account on my credit report with no prior written notice giving me an opportunity to formally dispute this account. This is a direct violation of my consumer rights. I dispute any validity of this account and demand that that this account be removed immediately from all credit reports. 
I am not aware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX and therefore am not liable to repay your company any money for this alleged debt. So that I may further assist you I am requesting that you validate the debt. Validation differs from verification whereas I am challenging the authenticity of the alleged that you are attempting to collect please provide me with a true copy of 1. The authenticated contract or note with the signatures and next thereto. 
2. The accounting and general ledger statements showing the full accounting of the alleged death that you are now attempting to collect.

3. The name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt 4. Verification under penalty of perjury that as a debt collector you have not purchase evidence of the debt and you are proceeding with collection activity in the name of the original maker of the note.

5. Verification from the stated creditor that you are authorized to act for them.

In accordance with the fair debt collection practices act person went to 15 USC 1692f, the collection of any amount ( including any interest fee charge or expense incidental to the principal obligation ), unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
NOTICE OF DISPUTE I am disputing any interest regarding the above account whereas I believe the correct balance owed is XXXX. Please update the record with XXXX XXXX and XXXX notifying them that interest portion of the alleged it is in dispute. If you are unable to validate the information within 30 days the account must be deleted. The debt is considered to be invalid until I receive the contract requested at the address provided above. If the above is not done within 30 days from receipt of this letter, you will be sued and liable in federal court for violations pursuant to the FDCPA and punitive damages for harming my credit score and wasting my time addressing this frivolous alleged debt. also they had sold the debt 3 different so there are 3 debt collectors trying to collect on a debt was paid from insurance company. XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX kia fin America XXXX XXXX XXXX acct XXXX my rights was violated would like to sue for XXXX for codes they broken and hardship this had caused me. thank you for your time

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