Consumer complaint received 2024-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Motor Finance repossessed my vehicle on XX/XX/XXXX. I called Hyundai to see what I needed to do to get my vehicle back and I was told that I needed to pay the past due amount plus repossession fee before they would allow it to be released and any fees to the towing company. On XX/XX/XXXX, I paid the past due amount and the repo fee which totaled. {$2200.00} to Hyundai so I could get my vehicle. On XXXX, XXXX I paid {$170.00} to XXXX XXXX XXXX XXXX so I could pick my car up the following day. I got my car back and on XX/XX/XXXX, I made a payment of {$170.00} the amount owed on my XXXX statement. On XXXX, XXXX I paid {$590.00} the amount owed on my XXXX statement. I then talked to HMFC on XX/XX/XXXX, to see if I could move my payment date to the XXXX of every month so I would stop paying my payment late. I was told that my account was past due and that I needed to bring it up to date before they could do that. I told them I made the payment the day before and that is when I was informed that I owed a repossession fee of {$450.00}, and they had taken it out of the payment I just made so my account was past due and in collections? I told them that I paid the repo fee when I paid to get my car back and they told me that I hadn't. Yes, i did or you wouldn't have released my car! I'm put on hold, and he comes back on and informs me. they posted it to my XXXX payment. Long story short they refuse to work with me so that we can resolve this and won't let me talk to a supervisor and hangs up. I call back and talk to another agent and same thing even though this is their mistake and I literally just found out they will not move my payment date or even give me time to make up the difference. Not anywhere on my statements is there a repossession fee charge and when i asked for them to provide me with a detailed statement of the {$2200.00} I paid to get my car back I was told they didn't have that information, and again was hung up on. I called Hyundai customer care and was told that i needed to talk to Finance they didn't have access to those records. I told them finance wouldn't work with me and hung up on me twice isn't there someone else i could speak with. The answer was no until I mentioned getting a lawyer then i was assigned a case number and told a case manager would contact me. The case manager did contact me just to let me know that he couldn't help me it wasn't something that they handled, I needed to call HMFC and speak with them. I told him they refuse to work with me and hang up but again he said he couldn't help. HMFC won't work with me, but they will call me every day to try and collect a payment that i already made. Today they repossessed my vehicle again. I am not even 30 days past due and technically I'm not past due because I paid the amount the statements, they issue said was due. I can not believe that this is legal. For them to do this. When I logged into to my account today it says that I am 151 days past due and that I owe {$3300.00}. It's the weekend and they are closed so I can't even call and discuss this until Monday. Meanwhile my car is at a tow yard racking up fees and I'm trying to hold it together. Praying that they realize this is a mistake and help resolve this.

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