Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
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CFPB Escalation Hyundai Motor Finance XXXX XXXX XXXX Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX ( XXXX ) XXXX I am submitting this escalation to request immediate supervisory and enforcement review of XXXX XXXX XXXX and XXXX XXXX for violations of the Truth in Lending Act ( TILA ), Equal Credit Opportunity Act ( ECOA ), Fair Credit Reporting Act ( FCRA ), and the CFPBs prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 
I am a person with a documented XXXX  XXXX and receive XXXX. XXXX XXXX XXXX knew or should have known of my XXXX and fixed-income status during origination, servicing, and enforcement. Despite that knowledge, XXXX and the dealer structured and serviced this account in a manner that predictably caused default and culminated in a wrongful repossession. 
Summary of violations Borrower identity manipulation ( ECOA / UDAAP ). 
I was the true economic borrower : I provided income, paid registration and insurance, made payments, and possessed the vehicle. The transaction was structured to list my XXXX as buyer to pass underwriting while using my income. This is borrower misclassification and credit laundering. 
Payment misapplication and manufactured delinquency ( TILA / Regulation Z ). 
I paid the amount quoted to me, including the late fee. Hyundai rerouted my payment to principal, recreated a fee balance, and declared delinquency. Regulation Z requires payments be applied to fees and interest before principal. Re-routing to principal to recreate default is prohibited. 
False credit reporting ( FCRA ). 
My credit report showed a XXXX balance while Hyundai transmitted delinquency data to the credit bureaus. Reporting a fabricated or disputed balance violates 15 U.S.C. 1681. 
Access obstruction and abusive servicing ( UDAAP ). 
Hyundai refused to provide clear balances or account access despite verification attempts, forcing repeated calls while balances changed. Blocking a borrower from curing while escalating enforcement is abusive. 
Wrongful repossession. 
The account was in dispute and not lawfully in default when the vehicle was seized. Enforcement based on a manufactured fee is unlawful. 
Requested CFPB actions Initiate a supervisory audit of XXXX XXXX XXXX payment application, credit reporting, and dispute handling for this account. 
Require production of XXXX XXXX credit-reporting files, payment-application logs, and call recordings. 
Order remediation including account rescission or reformation, deletion of all credit reporting, and consumer redress. 
I certify the above is true and correct. 
XXXX XXXX XXXX Once you paste that and submit it, tell me Done and we will move to the Attorney General filings next.

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