Consumer complaint received 2018-09-19
Company: HYUNDAI CAPITAL AMERICA
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was out of state traveling and had left my vehicle at my friend XXXX XXXX 'XXXX XXXX  complex, XXXX XXXX in XXXX Rhode Island because she was supposed XXXX XXXX me to and from the airport. My XXXX XXXX XXXX was left on private property in the parking lot of her apartment complex. Upon returning on XX/XX/XXXX, my vehicle was no where to be found in the parking lot. I first called the towing company associated with the apartment complex who had no knowledge as to the whereabouts of my car. I spoke to the XXXX of the apartment complex and she had no knowledge of my vehicle being towed. I called the XXXX police department and asked them if they had any records related to my vehicle and they didn't have any information regarding my vehicle. The XXXX police department sent an XXXX to XXXX XXXX apartments to try and further assist me at which point I was advised to fill out a police report stating my car had been stolen and that upon recovery I would like to pursue legal action against anyone found to be involved in my missing car. I called the customer number for Hyundai Motor Finance, the company my vehicle is financed through and they told me that my car was repossessed and gave me the number to the recovery agency. 

I was out of state at the time my vehicle was repossessed and had made arrangements to pay the total amount due upon returning. I had called Hyundai Motor finance on XX/XX/XXXX to get the total amount due from the automated phoneline in order to XXXX the total amount due upon returning. 

I never received anything through certified mail stating that my car was going to be repossessed which according to the state laws in Rhode Island and Massachusetts is a legal requirement prior to repossessing a vehicle to let the person responsible for the auto loan know the vehicle is going to be repossessed prior to the vehicle actually being repossessed. 

According to the state laws in Rhode Island XXXX The city/town police department in which a vehicle is going to be repossessed from must be notified prior to the repossession of said vehicle. 
The XXXX Police department had know prior knowledge of my vehicle being repossessed the date of XX/XX/XXXX, nor the date of XX/XX/XXXX, XXXX, or XXXX of XXXX. The Rhode Island Recover company in XXXX Rhode Island did not do their due diligence in taking proper action required prior to recovering my XXXX XXXX XXXX on XX/XX/XXXX of XXXX. 

The Rhode Island XXXX company that repossessed my vehicle for Hyundai Motor Finance also illegally took my car from private property which according to the state laws regarding repossession of a vehicle in the state of Rhode Island XXXX is illegal action. 

Therefore, I wish to formally file a complaint against Hyundai Motor Finance for wrongful repossession of a vehicle without proper notification prior to repossession, and also with the company associated with the illegal repossession of my vehicle for not taking the proper and legal steps prior to the recovery of a vehicle for a financial company.

Company response to consumer: Closed with explanation