Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I leased a XXXX XXXX XXXX on XX/XX/XXXX, through XXXX XXXX XXXX ( Deal # XXXX ) with financing through Hyundai Capital America / Kia Finance. The lease matured and I returned the vehicle. Kia Finance billed me for excess mileage charges, tire/wear charges, a turn-in fee, and taxes. I am disputing all charges because the lease documents submitted to Kia Finance by the dealership were materially altered after I signed them, and warranty products I purchased were removed from the version on file. ALTERED LEASE DOCUMENTS : The lease copy I was given at signing was printed on a Hyundai Motor Finance form ( Form No. XXXX XXXX XXXX ). The version Kia Finance has on file is on a completely different Kia Finance America form ( Form No. XXXX XXXX XXXX ). Same deal number, same date different form, different financial terms. I have documented XXXX discrepancies between the XXXX versions, including : ( XXXX ) An XXXX XXXX XXXX XXXX I purchased for {$790.00} appears on my copy but was removed from Kia Finance 's version, replaced with " N/A. '' ( XXXX ) The excess mileage rate on my copy was crossed out from XXXX cents to XXXX cents with the XXXX XXXX XXXX XXXX XXXX initials Kia Finance 's version shows XXXX cents with no modifications. ( XXXX ) The Agreed Upon Value of the Vehicle differs by {$280.00} ( {$55000.00} on my copy vs. {$55000.00} on theirs ). ( XXXX ) The Purchase Option Fee is {$400.00} on my copy and {$0.00} on theirs. ( XXXX ) The monthly payment, depreciation, rent charge, and Gross Capitalized Cost all differ. ( XXXX ) Multiple line items were added, removed, or rearranged between versions, yet the totals were rebalanced to similar amounts. The dealership 's own internal buyer 's order sent to me this month confirms my version, not Kia Finance 's. The {$790.00} warranty is listed on it. MISSING WARRANTY : I purchased an XXXX XXXX XXXX XXXX XXXX XXXX for {$790.00} ( Addendum No. XXXX ). I also purchased an XXXX XXXX XXXX for {$690.00} and an XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX does not appear on XXXX XXXX 's version of the lease. The other XXXX products do not appear on either version. I contacted XXXX directly they confirmed all three contracts are active and no claims have ever been filed on my behalf. However, the addendum XXXX has on file from the dealership has a different addendum number ( XXXX ), a different price ( {$1000.00} vs. {$790.00} ), a different contract term ( XXXX vs. XXXX months ), and a different termination date. The {$280.00} difference between the XXXX warranty prices exactly matches the {$280.00} difference between the XXXX vehicle values suggesting the numbers were deliberately rearranged across documents. The warranty includes Open Term Coverage extending XXXX days past the original termination date of XX/XX/XXXX. The tire charges I was billed for fall within the lease 's definition of excess wear ( Section XXXX tires below XXXX inch of tread ). No claim was ever filed because the warranty was removed from Kia Finance 's records. MILEAGE MISREPRESENTATION : At signing, the dealership 's XXXX XXXX XXXX XXXX advised me to select the XXXX mile-per-year allowance because the XXXX warranty would cover excess mileage. I relied on that advice. The warranty explicitly excludes excess mileage ( Exclusion # XXXX ). I only have a mileage overage because of that representation. ATTEMPTS TO RESOLVE : I contacted Kia Finance multiple times with photographic evidence of both lease versions and detailed explanations. They refused to adjust any charges, stating they " have to go by what's on file. '' They referred me to Kia Consumer Affairs ( Case # XXXX ), which only offered to log a complaint with no resolution. I also contacted the dealership, emailed the XXXX XXXX with full documentation of all XXXX discrepancies, and requested callbacks on multiple occasions. As of this filing, dealership management has not provided a resolution. REQUESTED RESOLUTION : All lease-end charges should be cleared and my account closed at XXXX balance. The mileage charge is calculated at a rate from an altered contract. The tire charges should have been covered by a warranty that was erased from the lender 's records. I have a payment deadline approaching and am concerned about collections and negative credit reporting based on charges derived from altered documentation.

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