Consumer complaint received 2020-07-29
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Certified Mail : XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Hyundai Motor Finance Care Team XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Attention : Custom Service. 

I am disputing the following information on my credit report. I am writing you ( investment partners, Hyundai Motor Finance Care Team and Credit Reporting Agencies ) in regards to matters brought to my attention about my credit report. This issue stemmed from a new car lease agreement in XXXX, involving a Hyundai New Car Dealerships, Hyundai Motor Finance ( HMF ) and myself. 
In XXXX, the Hyundai Dealer promised me a " Wear and Tear Protection Policy '' at no extra cost, if I purchase their vehicle, which I did. After the 2 year lease was completed, I returned the vehicle to the dealership. Hyundai Motor Finance sent me a Itemized Bill and Estimate of Excess Wear Damages on XX/XX/XXXX, totaling {$1100.00}. I have contacted both Hyundai Motor Finance and the Hyundai Dealer on multiple occasions, but that was futile. The car dealership makes broken promises that they would take care of everything on XX/XX/XXXX. After requesting copies of my contract on XX/XX/XXXX & XX/XX/XXXX from Hyundai Motor Finance, it seems that neither they nor the dealership had a copy of my other additional service products including Wear & Tear Policy in their position. 

On XX/XX/XXXX I reported the matter to NY Attorney General ( NY A.G ). The Attorney General completed their investigation on XX/XX/XXXX. In the NY A.G 's report, from the Hyundai Car Dealership 's General Manager, 2 extra Wear & Tear documents were found with my signatures which were forged. I thought that the matter was resolved, since the NY A.G. was on the case and the dealerships now acknowledged documentations of my policy. 

I agreed with the dealer to have Wear & Tear Protection, and other services rolled into my monthly Lease Agreement Statement. If HMR don't have documentation of my Wear & Tear Protection Policy and other service products which I agreed to, then what was the real break down of my monthly statement? HMF can not bill me for Wear and Tear, while the Hyundai Dealer General Manager is claiming that it was included in my Lease Agreement, based on documents he had submitted to NY A.G. I now believe that the 2 fraudulent Wear and Tear documents were falsified to influence the NY A.G. investigation. 

The presence of the Wear and Tear documents should not have lead me receiving a bill, which negatively affected my credit scores and curtailed my investment options. See attachments with the NY A.G. Report and a copy of my credit report with the disputed item circled : Please resolved this immediately. 

Notes : 1. THE DEALERSHIP NOT JUST MISLEADS THE NY A.G. THEY COMMITTED THE FRAUD ON A WIDER SCALE. THEY LIED TO ME WHEN THEY SAID THAT THEY WELL TAKE CARE OF IT AND DID NOTHING. THEY SHOULD HAVE CONTACTED : THE DEBT COLLECTORS AND HYUNDAI MOTOR FINANCE, TO ADDRESS THE MATTER. 
2. THIS MATTER SHOULD NOT HAVE BEING REPORTED TO THE CREDIT AGENCIES INCORRECTLY AND ULTIMATELY HAVING A NEGATIVE IMPACT ON MY LIFE. 
3. MY SIGNATURE WAS FORGED ON TWO OF THE WEAR & TEAR RELATED DOCUMENTS FROM THE NY A.G. 
4. MY SIGNATURE WAS FORGED ON PAGE S 7, 8, 11 OF 11 PAGES, FROM THE DCN XXXX FORM HYUNDAI MOTOR FINANCE. THE INFORMATION ON PAGE 7 IS ALSO INCORRECT. 
5. THE INFORMATION OBTAINED FROM NY A.G. IS NOT THE SAME AS THE DOCUMENTS RECEIVED FROM HYUNDAI MOTOR FINANCE, 11 PAGE DCN XXXX DOCUMENT. SOME OF THESE DOCUMENTS ARE THE FIRST TIME IM SEEING THEM. 
6. MY MONTHLY LEASE COST SHOULD HAVE BEEN LESS THAN THE {$270.00} I WAS PAYING, BECAUSE I WAS PAYING FOR FICTITIOUS MONTHLY SERVICES THAT I WAS NOT RECEIVING. 
7. I HAVE DETAILED THE MATTER IN MY XX/XX/XXXX LETTER TO HYUNDAI MOTOR FINANCING. PLEASE SEE MY LETTER TO HYUNDAI MOTOR FINANCING. 
8. THIS WAS MY FIRST VEHICLE PURCHASING EXPERIENCE ; I ALSO GOT ROBBED DURING THE SALE TRANSACTION. THE TAPE RECORDINGS AND OTHER EVIDENCES ARE AVAILABLE AT YOUR REQUEST.

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