Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (MD)

Hello, Firstly, apologies for lack of brevity, but I 'm a thorough person. Last summer I leased a car ( for the first time ) from Hyundai. I did n't give any thought to what this meant regarding correspondence such as citations, toll notices, etc. Earlier this month, I received a packet from Hyundai Finance containing a citation notice for an alleged violation on XXXX/XXXX/XXXX. There are two stamps on the notice, one stating receipt by Hyundai on XXXX/XXXX/XXXX, the other stating receipt on XXXX ( I 'm not sure of the distinction - I 'm assuming one dept. received it and then passed it along to another dept. ). Though frankly, based on when the citation was sent out, it most likely arrived during the first week in XXXX. 

Regardless, they appeared to do nothing with it for weeks until finally, at the last minute, they paid it on XXXX, the day before it was due. It was only after they paid it that they sent me any correspondence regarding the matter, including a request for reimbursement of the {$43.00}. They had all the time in the world to notify me sooner, so I could handle it in my own way, or inconjunction with them. Instead, they just sat on it for weeks, doing nothing with it. 

There is a larger issue here than the {$43.00}. According to the citation, by paying the ticket, they admitted guilt on my behalf and waived the right to a hearing on my behalf. It does n't take a lawyer ( though I will be consulting with one ) to know that some aspect of this must be illegal. I do n't even need to look at my lease to know, that while it might state I am obliged to pay for such violations, that it does n't grant the title holder power of attorney to disregard my rights regarding such a citation. What if it was my choice to go to court and see if I could get the ticket dismissed? Hyundai Finance has no right to deprive me of that opportunity. As far as I 'm concerned, by admitting ( their? ) guilt and by waiving ( their? ) right to a hearing without my consent, they agreed to bear the expense of the ticket. 

In addition to the citation, another document was included, titled " Outstanding Citations Summary. '' I ca n't even tell from where it was generated - there is no letterhead. It shows two other citations, labeled " Delinquent Notice. '' I 'm assuming Hyundai Finance is claiming they did n't receive these two, as they would have included copies of those as well. These are described only by the citation # - not what the violations were, nor where and when they took place, nor who issued them ( no precinct , county, nothing ). I have no idea as to whom to even call regarding the details of these other two. There 's only one thing I do know about them and that 's that they were never sent to me - not by the issuing agency, nor by Hyundai Finance. I certainly ca n't be held accountable for citations ( especially delinquent ones that have probably incurred fees by now ) that never reached me and that I never knew existed! Something tells me these were also sent to Hyundai and they dropped the ball with those as well. There were also toll notices that all the same principles apply to, but I 'm running out of space. 

I also want to point out that when I asked " XXXX '' who they were regulated by - the FDIC? the OCC? the CFPB? - he either refused to tell me or did n't know. He then checked with someone higher up and then came back on the line with no answer for me. Seriously? No one in management had a clue as to which agency regulated them?? So I found out on my own. 

As an aside, I had initially intended to file a claim prior to this, regarding a late of fee of {$20.00} regarding my last car payment that I feel is unjust due to misinformation I was given by a rep regarding the precise deadline. There was a reason I needed to know the last minute I could pay, but I 'll save that for another time. 

Thanks for your attention to this matter, XXXX XXXX