Consumer complaint received 2016-06-09
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
On or about XXXX XXXX, XXXX, I visited XXXX XXXX in NJ. When I was at their place, having no intention to purchase that day in question, they told me that it was my lucky day and that they will give me a great deal in exchange for my XXXX XXXX. I am a person having very basic knowledge of XXXX, and before I knew they had all the paper work in place for me to sign. I told them that the vehicle is also in my son 's name, and he will need to sign too. To which they said there was no need. I do not know what they did about it. I wanted to test ride, they gave me none, in fact told me that I can return the vehicle anytime I wanted to, which is what is a very good thing about lease. I was misled and was pushed around. Car Dealership did not give me the credit they promised for XXXX, and in fact when I demanded they explain they could not. They gave me a leased car ( of which I had no understanding and in fact misrepresented on ), a very very basic model, which only had AM/FM when I was promised more, it did not have navigation, which I was promised earlier. Yet the price they charged and monthly lease payments ( {$410.00} per month ) generated is not for a basic XXXX car, but what easily can be for a very good name brand with great features. In short, not only they took my car, without my son 's signatures, despite myself bringing it to their attention, they made sure that I walked out with a big exploitive win for them and a big liability for myself, a liability I did not understand, as I got a car on terms I had no clue about. I was misled on, a very basic model with none of the features I was promised, and numbers the dealership manipulated very well that it would make your head spin. I was simply pushed around and bullied. When I asked for my car back and undo the deal they wanted to do nothing about it. When later I visited the dealership with another individual, at which time when my son 's ownership issue brought up again, and how they could have overlooked, they tried denying having any knowledge about it - which I or anyone would find hard to believe, because this is a fact that can be easily checked- but later seems to reluctantly agree that I had mentioned. Given the current state, I am being pushed to make my monthly payments on a car I was misled on which I have resisted, learning only later that it was leased with no return at any time, as they had represented, of which I had no knowledge of, what it was all about. But most of all, they have tried converting my son 's property without his permission, even when I personally reminded, and this is a fact one can easily confirm, especially a car dealership would easily have it confirmed. In short, I bring it to this ageny 's attention not only to seek a just result and undoing of the transaction, but because, I do not want anybody else to suffer at the hands of this dealership ( XXXX XXXX ) and its finance company ( KIA Motor Finance ) as I did. I want the entire deal be undone and such dealerships and their finance companies because of their agents be brought to task. They know how to prey on innocent consumers, whom they can manipulate.

Company response to consumer: Closed with explanation