Consumer complaint received 2019-01-31
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 information incorrect

Complaint:
I leased a vehicle from Hyundai ( USA ) from XX/XX/XXXX-XX/XX/XXXX and made all payments on time. 
During the course of my lease, the car had continues issues which required multiple visits to the dealer for repairs. However, all of these issues were never repaired throughout the period of the lease, in spite of multiple visits to the dealer. 
I returned the vehicle in XX/XX/XXXX, in total satisfactory condition, having made all payments timely. 
Two months after returning the car, I received a bill from Hyundai ( USA ) in the amount of {$2100.00} for over mileage. 
I contacted Hyundai by phone and advised them of the mechanical defects of the car which had never been corrected and requested that they waive this new charge in place of the continuous inconveniences I had dealt with throughout the lease of the vehicle. 
They never responded to my calls in terms of dealing with this issue. 
I then wrote a letter to Hyundai Capital on XX/XX/XXXX, detailing my issues with the car and that I felt I was owed some waiver of this new charge in recognition of the problems that I had brought to their attention, were never repaired, and which they were aware of. 
I then received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, on behalf of Hyundai, advising me that I owed {$2100.00}. 
As of that date, I had not received any call or letter in response to my l letter requesting that Hyundai contact me to discuss the issue of the new charges. At the same time, before giving me a chance to respond to the letter from the collection agency, Hyundai placed a negative report with the 3 credit reporting agencies showing my account being in arrears in terms of making payments on this charge. 
However, I was not even aware that this charge was in place as I was still waiting for a response to my calls and letter to Hyundai, so that, the charge was certainly not late and could in no way being considered not paid. 
I immediately contacted XXXX who advised that if I did not make an immediate payment towards the charge, this would affect my credit rating negatively as they would file a late payment adverse report to the credit reporting agencies, which they indeed did. 
Faced with this threat of negatively affecting my credit, I agreed to a payment amount of {$1500.00} which I made with three payments on XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) so that the amount agreed to was paid as per the agreed payment schedule made with XXXX XXXX , so that the agreed to amount has been paid, on schedule and as per the agreement. 
As of yet, I have still not heard from Hyundai in response to my calls and letter. 
Though Hyundai ignored all of my communications and attempts to reach a fair agreement, and in spite of my conversation with XXXX and forced payment schedule, which I kept, Hyundai filed a negative and adverse report with the 3 credit reporting agencies, severely impacting my credit score. 
In addition, though this new charge was a completely new charge and not part of my lease agreement, they attached it to the lease agreement as if it was part of it and made it appear as if the lease had been left open and unpaid at the end. 
This was not true as I had made all of the required payments during the period of the lease completely timely and was never once late. 
This made it difficult to arrange for another lease and has left my credit score severely damaged. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation