Consumer complaint received 2022-06-27
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a XXXX Kia XXXX XX/XX/XXXX. In XXXX of XXXX the vehicle was repossessed for 3 monthly installments in arrears. I paid the balance and regained possession of the vehicle in XXXX of XXXX. Before I regained possession my name was reportedly ( by a Kia Motor Finanace employee ) removed from the vehicle title. My name was never added back to the title once I regained possession. I was made aware in XX/XX/XXXX when I attempted to renew the vehicle license plate tags/registration. At that time a representative of the Florida Department of Motor Vehicles advised that my name was no longer affiliated with the vehicle and had been removed XXXX months prior. I was also advised that I had no ownership interest in the vehicle and that I could not register or renew the license plate tags on the vehicle. 
I operated this vehicle for XXXX months, unbeknownst to me, with an improper license plate as it was no longer affiliated with this vehicle. I have not been able to register the vehicle or drive the vehicle since XX/XX/XXXX. I have contacted the Kia Motors XXXX finance company multiple times to correct this issue. I now have to contact my insurer to advise that the vehicle does not have a valid license plate and I am no longer the registered owner. I have called and sent emails and I am continually routed between the collections and customer service team. I have been told to call back for a supervisor, placed on hold and the call was immediately disconnected, and repeatedly told by representatives that they can not help me. I have also been advised that the problem has been corrected and I go to the Department of Motor Vehicles only to learn that my trip and waiting are in vain because nothing has been corrected. My housing community has warned me about have a vehicle on the premises that does not have a valid registration. Please help me. I can not drive to work, I can not register, sell, or trade the vehicle and Kia is doing nothing to assist me in correcting this issue. If this issue is ever corrected I will now have to pay additional fees to obtain a new license plate and a surchage for being without insurance for some time. Since I have been unable to drive the vehicle for several months I am unable to consistently work 40 hours per week. If/when I pay for other transportation it makes it impossible to pay my care note in full and on time. I am now 60 days in arrears again and the finance company is threatening repossession. I am convinced that this was their intent all along. Kia Finance has breached our contract. I am expected to pay for a vehicle that I can not use and that I do not have any ownership interest in. 
The Florida Department of Motor Vehicles is unable to provide any written documentation to support this claim because I do not have any ownership interest or connection to this vehicle.

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