Consumer complaint received 2018-08-04
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
There are three companies involved here. XXXX XXXX XXXX   XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. My issues with XXXX XXXX XXXX  XXXX began around XX/XX/XXXX. I fell behind on my payments after my mom passed and I was her neighbor and caretaker. Hospice had her body sent to XXXX 's XXXXXXXX XXXX..we thought she was cremated until I was notified 6 weeks later that my mom was the first of 16 corpses that the funeral home allowed to pile up and were being stored in a cooler that was not working. I kept in touch with XXXX XXXX XXXX XXXX at first However, they can not put any information in their computer system until 2 weeks prior to my payment date. It was useless to call until I was 2 weeks from making a payment. Every 3 days, computer generated, I would get a call advising me that I will be paying for this car much longer than I signed up for because they will continue to charge interest and late fees that will be added to the loan. Then, always, " why are you behind on your payments? '' Every 3 days, I was explaining all that had happened to my mom until I was sobbing so bad, I could no longer talk. 3 days later? The same thing..making me relive the details of my moms death and the funeral home. after some months have passes, I finally get a customer service rep with a heart and advised me I was eligible for loan deferments ... there was no need to be adding all that interest and late fees at the end of the loan. Was I lied to? Absolutely, people lie and deceive others with their words or with their silence. The torturous question about how I got behind on payments continued ... sobbing uncontrollably, I could never finish the explanation. I finally realized, there was no reason what so ever to explain that to each individual employee at XXXX. They were not noting it in the computer. I flipped out and started calling them all day everyday ... finally a supervisor said he would put me on a do not call list. Again, after the damage was done..why did no one tell me I had that option? At this point, I literally XXXX XXXX. The last time I spoke with some at XXXX about getting caught up was XX/XX/XXXX or XX/XX/XXXX.  Since communication was no longer taking place, I told er I would pay a month and a half 's payment on the XX/XX/XXXX. They will have to listen to the recording because it was longer than 2 weeks therefore, no note was put in the computer. On XX/XX/XXXX. Secon recovery repossessed my vehicle. Everything I own is in that car because I was moving from the painful memories here. I did not know I also missed XXXX 's payment..if I was aware it was going to repossessed, I certainly would not have left it parked where it could be seen. XX/XX/XXXX, I called XXXX XXXX after I talked to XXXX   and made arrangements to get the vehicle back. The first call, she hangs up on me, they keep hanging up on me, not returning my calls and when I had others call on my behalf, they hang up on them too. XXXX and XXXX XXXX, they hired XXXX, told me to check with XXXX about storage fees. XXXX tells me tey d n't know how much it will be until they get a release from XXXX. I asked for their daily storage rate, they said, '' it varies '' I asked what do you mean? My little car cost less to store than a suv? I alerted all parties that XXXX will not cooperate with me by giving me their storage rates. I'm not shelling out XXXX dollars to XXXX just to get to the tow yard and they want a XXXX because I can't afford that, therefore, I would still be without a vehicle. All parties said they have nothing to do with the other. I wanted my car back on the XXXX of XX/XX/XXXX ... .I. they have nothing to do with the other. XXXX XXXX finally gave my personal belongings back, after they told me I can not have them until I hand over my keys ... by the way, no mention of storage fees til I arrive with the keys, then they charged me XXXX dollars. Most of what I am saying can be verified through recordings of the businesses. witnesses that were hung up on as well as previous complaints filed with the XXXX. HELP ME PLEASE!

Company response to consumer: Closed with non-monetary relief