Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I went to purchase a car at XXXX XXXX in XXXX, CA in XXXX XXXX. I was convinced to do a lease instead of purchasing the vehicle by the salesman. The salesman told me several times that I had a 45-day grace period until my first due payment. I was assured that I had this grace period before and after I signed the lease documents. Then in XXXX XXXX, I was told that I did not receive a 45- day grace period because I did not purchase the car but I leased it. The lease agreement was not eligible for the 45-day grace period. This was simple for the sales people to tell me after the fact but I was outraged because I was homeless at the time and I needed the 45-day grace period so that my car payment would be on time. I was assured then that I could catch it up later and there would be no problems. I went on to fight for the late fees to be waived since I was given the wrong information. I have been fighting since XXXX XXXX to date. KIA Motors Finance has told me that none of the late fees can be waived even though the dealership has admitted that the salesperson misled me originally when the car contract was changed from a purchase to a lease. I was homeless from XXXX XXXX to XXXX XXXX, XXXX. I have been financially hindered by my daughter 's condition from XXXX XXXX XXXX XXXX, XXXX. I had to work to get her XXXX for her condition on XXXX XXXX, XXXX and then provide home care for her will working part-time to full-time at a series of jobs that had to be approved by the XXXX benefits departments for employment so that she would be eligible for the XXXX under the XXXX program under the XXXX program. I have just started to get back up to a consistent full-time employment status and now the late fees from the situation have steadily added up since XXXX XXXX. It appears to have reached $ XXXX dollars even though I have paid {$200.00} toward the outstanding late charges and past due amount. I can not get anyone at KIA Motors Finance to talk with me about waiving the fees in this particular situation. The dealership has admitted fault and the KIA consumer affairs department has given me {$200.00} for this admission. KIA Motors Finance will not waive the fees and will not honor the admission of the dealership in wrongdoing in this situation as well they state they have nothing to do with the KIA Consumer affairs department and will not hear anything that I have to say about this situation. I want all late charges and past due charges to be waived. I want justice for my suffering from the beginning. It is not possible for me to scan in all of the documentation I have since I do not own a scanner. I have attached the most recent billing statement with all the accumulated late fees and past due charges on it. Regardless of the unfair treatment, I have continued from the beginning to pay my car payments on time from the 45-day grace period date that I was given at the time of my lease signing. I have not missed a payment even though I was homeless for three months. I have made payments when it was difficult to eat and pay the rent. For my sacrifice and many hours of talking to the dealership, KIA Consumer Affairs, and KIA Motors Finance, I have received nothing except harassment and lack of negotiation from KIA Motor Finance. I have given up. KIA Motor Finance said that there is nothing that they can do. I have gotten nowhere with them in over one year of consistent attempts and going through several supervisors.