Consumer complaint received 2021-05-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Please see video : https : XXXX video with audio There was no indicator that this person was a repo man. Unmarked, no paperwork. 
No permission to enter my property. Manipulated and damaged my garage doors. 

Threatened to taze my sister and other family members Step 1 : What is this complaint about? 
Ilegal Car Repo Step 2 : What type of problem are you having? a covid problem Covid set me back and I missed a payment. They stalked me, chased me, and breached the peace and threatened my family while repo-ing my car.

Step 3 : What happened? 

https : XXXX video with audio Complaint 1 : Kia repossessed my car due to default on payment. COVID-19 has hit me extremely hard. I've been with KIA for over 6 years and never had a missed payment. I called to ask if I can get an extension because I lost my job. They said no. The repo person violated many rules such as force entry into my property, damage to my garage by blocking his vehicle so I wouldn't close the garage. He also threatened to use his taser on my sister and family members. I have the video and audio of everything I just mentioned. He also threatened to return when he was not working. My sister had to leave with her child because she was so scared. all this happened from around XXXX XXXX - XXXX XXXX. 

Complaint 2 : I suffer from a XXXX XXXX XXXX I'm on XXXX XXXX My credit is basically dead. How did I manage to walk out of that dealership with a new car? Also, the price they're charging me for the repo and default and late fees equals the amount the car is worth. So it's as if I've been paying {$700.00} a month XXXX down payment on a vehicle that costs {$35000.00}. I even traded in my other vehicle cause they said it would lower my payments. Now they hit me with a bill, {$35000.00}. How is that possible? I had the car since XX/XX/XXXX. Never missed a payment until covid. Basically, I've had that car for nearly 2 years paying {$700.00} a month plus the XXXX down payment. If I'm wrong I apologize but let 's say the car was XXXX. The down payment was XXXX, so we're at XXXX. XXXX x XXXX = XXXX. I understand that there is interest and my credit is horrible. I don't know how they approved me to get a car I clearly could not pay for. My XXXX XXXX has gotten worst since this. My unemployment stopped. I'm tapped out of everything. 

There is no court so far, no lawsuit. No other agency has been contacted. I received the papers today XX/XX/XXXX from the repo that occurred in XXXX. They are selling my vehicle on the XXXX. 

The resolution I'm seeking : Justice for taking advantage of a person with a XXXX XXXX in car buying, pressuring, and fabrication of getting me approved for a car that I clearly could not afford. My income at the time was XXXX $ my insurance was {$260.00} and my car payment was {$700.00}. I told them many times that I can't afford it and that's okay. Until they brought in the manager and suddenly a few workarounds on the computer, I was approved.

- I don't want the car, I ask that the attorney general, if he could help me fix this situation. I paid my dues. We can get all the paperwork and everything. I just want them to leave me alone and stop following me everywhere I go. I can not ever make this payment. I'm negative in all my bank accounts. 

2nd - I want justice against the repo man for brandishing/threatening to XXXX my family. For illegally entering private property and breaking the peace. We asked on many occasions for him to leave and he would not. He also ran into my garage before bringing his car in to manipulate the garage to not close. 

3rd - The police are not allowed to assist or force me to give the repo man the keys. I did not know of this until after it happened. 

I should not be paying a bill that's {$35000.00} XXXX the same price of the car ). They took advantage of me. They have caused me to lose more opportunities to work. I have no received unemployment compensation for a month and I'm on the brink of taking matters into my own hands but I know that's not the right thing to do. I need your help. I want to do this the right way. 

I just don't know what to do. I may not be alive by the time you get this. As I'm sure there are many letters coming in. This isn't right especially during a pandemic. Please help me.

Step 4 : What company is this complaint about? 
KIA of XXXX ( XXXX KIA ) XXXX, CA Step 5 : Who are you submitting this complaint about?

Myself Parties involved : KIA OF XXXX ( XXXX  ) Where the car was leased. 
KIA FINANCE DEPARTMENT VEHICLE : XXXX KIA XXXX " NOTICE OF INTENT TO DISPOSE OF LEASED VEHICLE ''

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