Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
CFPB COMPLAINT NARRATIVE DRAFT FOR SUBMISSION Consumer Financial Protection Bureau | consumerfinance.gov/complaint Company : Kia XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- - COMPLAINT SUMMARY I am filing this complaint against Kia XXXX XXXX and its titling division, XXXX XXXX XXXX XXXX XXXX XXXX ), for their sustained and unlawful refusal to process a state-to-state vehicle title transfer for a leased vehicle despite a formal written demand from the Oregon Department of Transportation ( ODOT ) Driver and Motor Vehicle Services, and six months of documented efforts on my part. COMPANY DETAILS Name : Kia XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX / XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Account type : Auto lease MY INFORMATION Name : XXXX XXXX XXXX, MD State of Residence : Oregon Lease vehicle : XXXX XXXX XXXX XXXX XXXX : XXXX Washington Title Number : XXXX -- - DETAILED NARRATIVE In XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX XXXX XXXX ( XXXX, WA ). I am a resident of Oregon. The vehicle was delivered to me in Oregon. Due to a dealer error at origination, the vehicle was registered and titled in Washington StatXXXX rather than Oregon. XXXX XXXX XXXX XXXX ( XXXX ) the titling division of Kia XXXX XXXX holds the title as the legal owner/lessor. Since XX/XX/XXXX, I have been attempting to have XXXX transfer the title and registration to Oregon. Over the course of approximately seven months, the following has occurred and is fully documented : 1. Oregon DMV accepted my full Oregon registration and title fees. 2. Oregon DMV issued a formal official Missing Requirement Request directly to XXXX, dated XX/XX/XXXXXXXX ( Letter ID : XXXX ), on Oregon Department of Transportation letterhead, addressed to " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX, '' CC 'd to XXXX directly, requesting Washington title number XXXX be submitted so Oregon could process the title transfer. This is an official government-to-government written demand. 3. Despite receiving this official state agency letter, XXXX has sent me five ( 5 ) or more identical automated rejection notices ( dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXXXXXX ) citing requirements that either do not apply to my vehicle ( XXXX emissions testing confirmed inapplicable to a XXXX XXXX by Oregon XXXX ) or that have already been satisfied. XXXX. There is no functioning human contact channel at XXXX. All responses are automated. There is no case number, no assigned representative, and no escalation path communicated to consumers. XXXX. I have been forced to drive on a continuous series of Oregon temporary tags for the entire duration of this lease. My current temporary tag expires XX/XX/XXXX. Oregon DMV has informed me they will issue no further temporary tags. I am now facing the prospect of an unregisterable vehicle with no lawful path forward not because I failed to comply with any requirement, but because XXXX is ignoring both my requests and an official Oregon state agency written demand. XXXX. I have made every monthly lease payment on time ( $ XXXX ) throughout this entire period. I am current on this lease and not in default. WHAT I AM SEEKING I am requesting that the CFPB : XXXX. Require Kia XXXX XXXX/ XXXX to immediately release Washington title number XXXX and process the Oregon state title transfer as formally demanded by Oregon XXXX in XXXX ID XXXX. XXXX. Investigate XXXX 's practice of using automated rejections to deny consumer and government agency requests without human review. XXXX. Investigate the use of inapplicable XXXX requirements as grounds for refusing title transfers on XXXX vehicles exempt under Oregon law. XXXX. Require Kia XXXX XXXX to establish a functional human-accessible escalation path for title disputes. DOCUMENTATION AVAILABLE Oregon DMV official Missing Requirement Request letter ( Letter ID : XXXX, dated XX/XX/XXXX ), addressed directly to XXXX Multiple XXXX automated rejection emails ( XX/XX/XXXX XX/XX/XXXX ) Oregon XXXX XXXX XXXX Oregon Department of Revenue vehicle use tax payment certificate ( XX/XX/XXXX ) Email correspondence with XXXX XXXX XXXX dealer ( Finance Manager XXXX XXXX, XXXX XXXX XXXX ) Formal demand letter sent to XXXX XXXX XXXXXXXX on XX/XX/XXXX ( no response received ) Temporary tag records spanning the duration of the lease

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