Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I had a lease with Hyundai XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I paid off the lease and went through a local credit union to finance the car to buy. The credit union transferred the funds to Hyundai at the end of XXXX ( approx. XX/XX/XXXX ). I filled out information on Hyundai website and the bill of sale was sent to me with the section for the sellers signature blank. In XXXX ( approx. XX/XX/XXXX ) I began looking at the XXXX requirements to figure out what I need to do to get the title transferred into my name and realized I was missing documents like the title. I contacted my credit union and was told that Hyundai should have sent the title to them and they would send it to me to get the title changed but they were confused why it hadnt shown up yet and suggested that I call Hyundai to see where it was. I called and they said that the title was mailed through XXXX ( unable to be tracked ) on XX/XX/XXXX and would take approximately XXXX days to be delivered so they suggested that I wait a week and see if it arrives. I also mentioned the lack of signature on the bill of sale and requested a signed copy. They sent a new bill of sale 3 days later that still didnt have a signature. A week after this call with Hyundai I called the credit union who informed me that they still hadnt received the title. I called Hyundai again who said that the title must have gotten lost and when I asked for them to send a new copy they told me that I would have to request a copy from the XXXX. I called the credit union and told them what Hyundai said ( I left a message for the loan officer ) and didnt hear back until a week later when which they told me they still didnt have the title and to keep calling Hyundai and to request a lien release letter. I called Hyundai AGAIN and asked for a new title to be sent and they told be again that it was probably lost and that I would have to request a new one from the XXXX. I informed that that in XXXX, only the lien holder could get a copy of the title from the XXXX and since they are the lien holder I wasnt able to do that. They told me they would send a lien release letter. I also asked them again for a SIGNED bill of sale. She said they would send both to my address through XXXX. When I asked if she could send it through a delivery service that could provide tracking she asked if I had an account but I dont and I dont feel I should have to pay for this. So despite the issue with the mailing of the title, they sent it XXXX anyways. It has been more than 15 days since that last phone call and neither I nor the credit union has received anything! I am so frustrated and I dont think this is right. I just want my title so I can finish this process and move on with my life. Also even if the lien release letter shows up, I am on the hook for paying the fee to get a duplicate title through the XXXX which is unfair.

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