Consumer complaint received 2017-04-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (TX)

I am wrongly being charged a disposition or loyalty program fee of {$400.00} by Hyundai Motor Finance. Let me explain the situation : I'am a single woman, XXXX yrs. old, citizen of this country for the past 22 years, I have resided in this country since XX/XX/XXXX. Since then always managed my credit in responsible way, keeping score over XXXX. Always working hard to pay my bills on time. What happened to me with Hyundai Financial is that I have leased XXXX cars with Hyundai for the past 6 years : XXXX, XXXX. In the year of XX/XX/XXXX I signed as a buyer for a XXXX Hyundai for my grandson, so he could get transportation, for he was not approved. My grandson asked me for help. For the first 3 years my grandson paid on time, but sadly to say, he lost his job and had a hard time working steady, so he started getting behind on his auto payments. Because of the fact that I already have my XXXX and my recurring bills, I could n't help my grandson keeping up with his auto payments. My grandson facing a financial hardship was not able to keep the Hyundai payments on time, but he continue to pay as he could. As you can see this situation affected my credit history tremendously. So on XX/XX/XXXX I went to the same Hyundai dealer where I leased the XXXX, this dealer is located in XXXX TX. After meeting a salesman I picked up the car I wanted, the salesman ( XXXX ) did the numbers but I requested a lower payment so XXXX advised that will be better to pay the last 3 months of the lease and back to them in XX/XX/XXXX which I did. On XX/XX/XXXX I went back to the same Hyundai dealer and spoke with the same salesman ( XXXX ) to go over the new lease but what a big surprise when the salesman said that Hyundai Motor Finance denied my lease loan, however my grandson account was current by then. Is important to mention that I returned the XXXX 2 weeks before the lease expiration, with only XXXX miles on a XXXX miles lease contract and in excellent good condition, except the windshield that was hit by a rock weeks before of the return of the car, of course the cost of {$310.00} for the replacement by Hyundai is my responsibility to pay for it. Since I knew about the disposition fee of {$400.00} I started to make a phone calls to Hyundai Financial to dispute this charge, I spoke with different customer service people and couple supervisors, I cried and begged many times on the phone but no one at the Hyundai Financial took the time to see my credit history, my loyalty to them, and to confirm that my grandson was current on his payments. They closed the door on me. After feeling like a bucket of cold water was dropped on me, I went back home with my older daughter with no hope to get another auto, which I needed, due to the fact that I have doctor 's appointments, and errands to run daily. So, on XX/XX/XXXX my daughter and I decided to try and went to a KIA Dealer here in XXXX, Texas. To my great surprise and the kindness and professionalism of the dealer I was able to lease my present car that I drive : a XXXX. The finance dpt took the time to hear me out and confirm that the late payments on the Hyundai XXXX that I have signed as a buyer for my grandson was current. Well, after all this took place, I received in the mail a bill from Hyundai Finance charging me for the {$400.00}. So called : disposition fee or loyalty program fee, meaning if the consumer does not buy the next car or lease with Hyundai, I have to pay {$400.00}. I understand this, what is wrong for Hyundai to and this why I write, is that Hyundai Finance did not give the option to lease with them. Under these circumstances I was not able to make a deal with Hyundai Finance, but still they punish me to pay no matter what the {$400.00}. fee which I refuse to pay. I wanted a Hyundai car again but they closed the door on me.