Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX ), its agents, and its authorized dealer, XXXX XXXX XXXX XXXX XXXX ( XXXX ), regarding the origination and servicing of my vehicle loan. I have been subjected to a pattern of systemic dealer fraud, structural Truth in Lending Act ( TILA ) violations, and subsequent corporate bad faith by HMF in refusing to remedy these errors. 

I. The Systemic Fraud and TILA Violations ( September 718, 2025 ) The financial contract ( {$38000.00} financed ) is fundamentally defective and was procured through deceptive practices : Replicated Deceptive Pricing ( Bait-and-Switch ) : The dealership executed a classic bait-and-switch by systematically omitting the advertised dealer discounts across XXXX successive contracts. 

I was promised a final price that included a dealer discount ( e.g., {$2400.00} on the first contract, {$2500.00} on the second ). 

The final executed contracts omitted both discounts, resulting in a fraudulently inflated loan principal and theft of over {$5000.00} in promised savings. The dealer XXXX, XXXX XXXX, admitted the contract math was flawed when confronted, but the dealership still replicated the fraud to maintain the profit margin. 

Structural TILA/Fee Violation : The Retail Installment Sale Contract ( XXXX ) contained a structural TILA violation by including a duplicate charge of {$1700.00} under a payoff line item ( XXXX, Credit Union XXXX CO XXXX XXXX This amount was improperly added to the Itemization of XXXX XXXX, artificially inflating the loan principal, which XXXX subsequently funded and is now enforcing. 

Coerced Add-Ons and Terms : The dealer misrepresented financing terms, forcing a XXXX term instead of the requested XXXX term. I was also coerced into financing a {$2400.00} XXXX product that was initially priced higher ( {$2800.00} ) and which the dealer refused to customize, confirming the high markup was coercive. 

XXXX. XXXX 's Corporate Bad Faith and XXXX XXXX XXXX After discovering the fraud, I immediately contacted XXXX and XXXX ( Manufacturer ) to seek a corporate remedy, which was systematically denied, demonstrating XXXX 's independent liability under the FTC Holder Rule. 

Refusal to Investigate/Denial : XXXX Corporate Account Managers ( XXXX XXXX and XXXX ) were explicitly notified of the missing discounts, the TILA violations, and the resulting flawed math on the contract. They repeatedly refused to perform the necessary investigation or re-examine the contract. 

Factual Misrepresentation in Denial : XXXX XXXX XXXX formally closed my escalated request ( ID # XXXX ) and enforced the loan by sending an email that falsely justified the final financed amount by including a fabricated and egregious {$1100.00} " TIRE TAX '' fee. This documented action proves XXXX 's independent willingness to enforce the debt using a fictitious charge, constituting corporate bad faith and providing direct evidence of liability. 

Case Termination : XXXX, alongside XXXX XXXX XXXX, terminated the case, advising me to pursue legal counsel rather than providing any resolution for the financial damage and documented physical harm ( aggravated panic disorder/Propranolol increase ) caused by their delay and refusal to act. 

XXXX. Requested XXXX I seek immediate intervention to address the structural fraud XXXX is enforcing. 

My non-negotiable demand is Full Loan Forgiveness ( XXXX balance settlement ) on the {$38000.00} loan, plus a minimum of {$120000.00} cash to cover restitution for the direct fraud and the compensatory/punitive damages resulting from the corporate bad faith and the resulting physical harm. XXXX is liable for enforcing this fraudulently obtained debt.

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