Consumer complaint received 2026-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
XXXX XXXX Subject : Request to Reopen CFPB Complaint XXXX XXXX Matter Not Resolved / False Reporting by Genesis Finance XXXX XXXX I am formally requesting that CFPB reopen complaint XXXX XXXX XXXX XXXX XXXX XXXX which was closed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX as resolved. This matter has not been resolved, and Genesis Finances response to CFPB was false, misleading, and materially inaccurate. I strongly dispute Genesis Finances claim that my vehicle was Voluntarily Surrendered. The false designation of Voluntary Surrender is currently appearing on my credit reports and remains visible to creditors, lenders, and financial institutions. This inaccurate derogatory reporting falsely portrays me as a borrower who defaulted on financial obligations, causing ongoing and substantial harm to my creditworthiness, reputation, and ability to obtain future financing, This statement is completely false and does not reflect the facts of my case. The vehicle in question was a XXXX XXXX XXXXemon vehicle XXXX XXXX and was returned as part of a negotiated XXXX XXXX Settlement Agreement XXXX XXXX On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I returned the vehicle to the dealership from which I had leased it, in the presence of Genesis Finance representatives. At that time, Genesis agents provided me with a settlement check for nearlXXXX XXXX XXXX XXXX XXXX XXXX which I accepted pursuant to the settlement agreement. From that date forward, I was no longer the owner or possessor of the vehicle. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I officially surrendered the license plates to the XXXX, and I possess documentation confirming this transaction. Therefore, it is factually impossible for Genesis Finance to claim that I voluntarily surrendered the vehicle in XXXX XXXX XXXX XXXX XXXX XXXX, because I had already lawfully returned the vehicle and relinquished all ownership and possession nearly XXXX months earlier under a binding settlement agreement. Genesis Finances reporting is false, inaccurate, and highly damaging to my credit profile. Additionally, after regulatory intervention, I received an additional payment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I deposited into my bank account. This further confirms that this matter was being resolved through a settlement processnot through default, repossession, or voluntary surrender. I also wish to clarify that I was late on a payment only once, and that occurred solely because Genesis Finances case XXXX XXXX XXXX XXXX XXXX XXXX explicitly instructed me not to make that payment during a XXXX-way telephone call in the presence of my son, who can verify this conversation. At no time did I voluntarily default on this lease, abandon the vehicle, or surrender it due to inability or unwillingness to pay. The return of the vehicle occurred solely because the vehicle was defective and qualified as a lemon vehicle, and the matter was resolved through a formal settlement process. I must also state unequivocally that Genesis Finances response to CFPB was XXXX XXXX XXXX XXXX false and misleading XXXX XXXX The information Genesis Finance provided to CFPB does not accurately reflect the facts of my case. Furthermore, even the telephone number Genesis supplied as contact information was not a valid working number for their company, which raises serious concerns regarding the credibility, accuracy, and good faith of their response. I believe CFPB closed my complaint based on false, incomplete, or misleading information submitted by Genesis Finance. The damage caused by Genesis Finances false reporting has been devastating. Their inaccurate reporting of Voluntary Surrender has severely damaged my credit history and credit score, despite the fact that this vehicle was returned under a lawful settlement agreement involving a lemon vehicle claim. As a direct result of this false derogatory reporting, I am now unable to obtain a new vehicle lease or financing. This has caused substantial financial hardship and has significantly affected my daily life. Beyond the severe financial harm, Genesis Finances false reporting has caused me serious personal, emotional, and health-related consequences. I continue to suffer substantial life disruption as a direct result of this inaccurate derogatory reporting. The ongoing stress, uncertainty, and repeated need to defend myself against false claims have taken a serious toll on my physical and emotional well-being. This situation has caused chronic stress, XXXX sleep loss, emotional suffering, and significant deterioration in my overall health. I have spent countless hours gathering evidence, filing disputes, and attempting to correct false information that should never have appeared on my credit reports. The damage extends far beyond my credit report. It has affected my daily functioning, my peace of mind, my financial stability, and my overall quality of life. I am bearing severe life-altering consequences because of Genesis Finances false and misleading reporting, while the burden of correcting their misconduct has been placed entirely on me. This is not merely a reporting errorit is a serious misrepresentation of the facts with devastating consequences. I respectfully request that CFPB immediately reopen this complaint and require Genesis Finance to : XXXX. Provide the legal and factual basis for reporting Voluntary Surrender. XXXX. Produce all documents bearing my signature that allegedly authorize or support such reporting. XXXX. Explain how a voluntary surrender could occur in XX/XX/year> when the vehicle was returned under settlement in XX/XX/year>. XXXX. Correct or remove all false derogatory reporting from all credit bureaus, including XXXX XXXX XXXX XXXX. XXXX. Conduct a full investigation into whether Genesis Finance submitted false information to both CFPB and the credit bureaus. This matter remains unresolved, and Genesis Finances prior response should not have been accepted as a valid resolution.

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