Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
At the time of the loan approval by KIA Finance America in XX/XX/XXXX, I requested that XXXX of XXXX ( Purchase location ) change the due date to later in the month, We are unable to do that, and you will need to contact KIA Finance America. I contacted KIA Finance America, The loan is too new, it needs to mature for 6 months. XXXX, XXXX, I contacted KIA Finance America. We are unable to change the due date because it is too late in the month. XX/XX/XXXX. I contacted KIA Finance America. My supervisor is unavailable ; I will have him contact you. XX/XX/XXXX, no calls or messages. By this time, I had sent XXXX letters, also without response. XX/XX/XXXX. I was finally able to get through the Were sorry, due to the high volumes of calls ; we are unable to assist you six times with persistence only to receive : We are unable to change the due date because it is too late in the month. XX/XX/XXXX. After a half day of attempting to contact KIA Finance America, My supervisor is unavailable ; I will have him contact you. I indicated that I had heard this before and the woman insured that her supervisor would contact me. Nothing. As a result of the negative results from telephone attempts, I continued to send a plethora of letters, no result over the period of XXXX. No phone calls received, if they did call, no messages were left. The year closed with no resolution which prompted a complaint with the XXXX which took several weeks to have a response from KIA Finance America and the case was closed without resolution. For XXXX, XXXX letters were sent to KIA Finance America without response. To further exacerbate the situation, we receive a Payment past due date, dated 4 days after the due date. This is what alarms us the most and have consulted legal consultation regarding this to learn the KIA Finance America has had other complaints of similar nature. We now learn that KIA Finance America reports this to the credit agencies as being past 60 days late. We can provide bank account transcriptions that show that a payment has been made EVERY month since the inception of the loan regardless of being no less than XXXX weeks beyond the due date but never into another true billing cycle. Contained in the ONLY letter from KIA Finance America was an indication that attempt to contact me was made three times, though we have no messages and within the same letter, also a copy was furnished to KIA Finance America, was they are unable to change the due date. That letter was the icing on the cake. These are the noted contact attempts, and do not reflect precise dates and times and media used to settle this matter even through the year XXXX which produced the same results with the same responses. XXXX, we now turn to you. This has now affected a once perfect credit score and to say we are beyond frustrated is an understatement. We understand what is required and the time and money it would take to settle this matter in a court of law to correct it, but frankly, we would just as soon sell the car for a loss and publish these dealings with KIA Finance America for the public. What a shame, we love the car. All correspondence was sent to KIA Finance XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX. Ref : XXXX

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