Consumer complaint received 2021-11-19
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ON XX/XX/XXXX, I SAW AN ADVERTISEMENT FOR XXXX XXXX XXXX XXXX  FOR {$33000.00} IN XXXX XXXX LOCATED IN XXXX XXXX, NY. 
I WENT THERE THE SAME DAY WITH MY BROTHER, FIND THE SALES ASSOCIATE XXXX XXXX, FINANCE MANAGER XXXX XXXX & GM XXXX. XXXX TOLD ME THAT THEY ARE GON NA CHARGE XXXX OVER THE MSRP. WE AGREED TO $ XXXX BUT HAD TO PUT {$6800.00} TO GET THIS NUMBER AND ASKED THEM TO PROCEED WITH THE PAPERWORK. 
XXXX ASKED FOR THE CO-SIGNER AFTER 3-4 HRS BCZ MY WORK NUMBER WASNT GETTING APPROVED. SO, MY MOM CO SIGNED ME. 
THE NUMBERS HE GAVE ME AT THE BEGINNING WAS XXXX PER MONTH WITH XXXX DOWN. SO AFTER WASTING MY WHOLE DAY HE SAID THE BANK IS GIVING YOU XXXX PER MONTH WHICH INCLUDES THE TAXES BUT HE WAS LYING ABOUT THE TAXES. HE PUT THE HUGE XXXX FOR RENT CHARGE WHICH HE SAID THAT YOUR CREDIT IS LOW THEREFORE THE BANK WANT IT. AGAIN ITS A LIE, BANK SAID WE NEVER DO THAT. 
WE SIGNED THE PAPERS WITH AGREED PRICE OF {$39000.00}, WHICH HE SAID CARRIES ALL THE TAXES AND FEES, AGAIN IT WAS A LIE. HE GAVE THIS NUMBER TO THE BANK AS THE CASH SELLING PRICE BUT ADVISED ME THE OTHERWISE. 
NEXT WORKING, WHICH WAS MONDAY XX/XX/XXXX, I CALLED THE DEALERSHIP BUT XXXX WAS BUSY AND COULDNT TALK TO ME XX/XX/XXXX, I CALLED THE DEALERSHIP THAT I WANT TO RETURN THE CAR WITH WHATEVER CHARGE, BUT THEY SAID THAT THEY HAVE NO RETURN POLICY. 
XX/XX/XXXX, CALLED DELAERSHIP AGAIN, BUT LEFT A MESSAGE FOR XXXX, HE CALLED BACK AND GAVE ME THE SAME AWNSER THAT THIS AGREED PRICE HAS ALL THE TAXES AND FEES LIES. 
AS LEASE WAS VERY HIGH THAN USUAL, I THOUGHT OF BUYING THE CAR FROM THE BANK, THE BANK TOLD ME THAT THE PAYOFF IS ABOUT {$38000.00}. THAT MEANS I DIDNT PAY ANYTHING DOWN. 
XX/XX/XXXX LEFT A REVIEW ON XXXX, TELLING PEOPLE TO BEWARE OF THIS GUY. SOMEONE FROM THEIR DEALERSHIP RESPONDED THAT ITS UNFAIR TO SAY THIS AND LEFT HIS EMAIL FOR ME TO CONTACT. 
XX/XX/XXXX- I DID CONTACT BUT GOT NO RESPONSE BACK AS OF TODAY. COPY OF EMAIL WILL BE PROVIDED TO YOU. 
I LATER CALLED AGAIN, LADY TRANSFERRED ME AGAIN TO XXXX, WHO GAVE ME AN APPOINTMENT FOR XXXX. I COULD NOT GO IN PERSON SO I SENT MY CONTRACT TO HIM IN EMAIL AND EXPLAINED HIM THAT I WILL BE CONTACTING HIM AT XXXX. NEVER GOT NO RESPONSE, KEPT CALLING HIM FOR THE WHOLE DAY AND AT XXXX XXXX A GUY PICKED MY CALL AND TOLD ME TO HOLD UP. 
I KEPT HOLDING TILL XXXX THEN I HUNG UP. 
XX/XX/XXXX, I REGISTERED A COMPLAIN TO THE CONSUMERS ASSISTANCE FOR XXXX. XXXX HEARD BACK FROM THEM. 
XX/XX/XXXX - FOUND OUT THAT CONTRACT WHICH BANK RECEIVED FROM THE DEALER WAS FORGED. EVERYTHING FROM AGREED PRICE, TAXES, DEPRECIATION, RENT CHARGE ON IT WAS CHANGED WAS NOT SOMETHING WE SIGNED. OUR SIGNATURE, INITIALS WERE FORGED. 
I CONFIRMED FROM THE BANK THAT MAYBE THEY DO IT THIS WAY, BUT THE BANK SAID IT CANT BE A MISTAKE. 
I LOOKED INTO XXXX, XXXX XXXX, THEY ARE REGULARS IN THIS PRACTICE. THEY DO THIS ALL THE TIME WITH PEOPLE AND GET AWAY WITH IT. 

THE ONLY PEOPLE PART OF ALL THIS WERE MY MOTHER, MYSELF, XXXX XXXX, XXXX XXXX XXXX XXXX. 
I AM ATTACHING TWO CONTRACTS, THE WHITE ONE IS THE ONE THAT THE DEALER HAS FORGED, NONE OF THE SIGNATURES, INITIALS ARE MINE. EVEN THE ADDRESS & DATE OF THE CONTRACT ON IT IS WRONG TOO WHICH IS INSANE. 
THE YELLOW COPY IS THE ONE WHICH I SIGNED BUT THE NUMBERS WERE NOT EXPLAINED THE WAY THEY WERE POSTED. IN SHORT, THE DEALER LIED TO ME ABOUT EVERYTHING. 
I TRIED TO RESOLVE THE ISSUE BY TALKING TO THEM AND PERSONALLY GOING THERE, BUT THEY DIDN'T LISTEN TO ME.

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