Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In XXXX, I leased a Hyundai vehicle on a XXXX term and purchased extended wear-and-tear coverage at the time of signing specifically to protect myself from excess wear-and-tear charges at lease-end. I maintained the vehicle responsibly throughout the lease period. All payments were made on time, the vehicle was never involved in any accident or damage-related incident, and it remained in very good condition. On XX/XX/XXXX, during a service visit at the dealership, dealership staff recommended upgrading to a newer Hyundai model. I was specifically informed that because I had purchased wear-and-tear coverage, I would not incur any out-of-pocket lease-end charges on my current vehicle. Based on those representations, I agreed to upgrade, paid the required down payment for the new vehicle, and exchanged the car the same day. Approximately XXXX month later, in XX/XX/XXXX, I received a bill from Hyundai Motor Finance for {$1000.00} in wear-and-tear charges. When I contacted Hyundai Finance, I was informed there was no proof of wear-and-tear coverage associated with my lease account. I then personally contacted the dealership, obtained a copy of the coverage agreement, and submitted it to Hyundai Finance myself. Despite providing proof of coverage, I continued receiving repeated collection calls for months, including calls during evenings, weekends, and throughout the day. Neither the dealership nor Hyundai Finance took responsibility for resolving the issue internally, and I was repeatedly redirected between both parties. The constant calls and pressure caused significant stress and disruption to my daily life. Eventually, I paid the disputed balance simply to stop the ongoing harassment and collection activity. Despite the dispute and the existence of valid coverage documentation, XXXX also reported payment delays to my credit report, negatively impacting my credit standing. I believe I was improperly charged for costs that should have been covered under the wear-and-tear protection plan I purchased. I also believe Hyundai Finance and the dealership failed to properly maintain or review their records and failed to resolve the dispute fairly and professionally. # # Desired Resolution I am requesting : * Reimbursement of the {$1000.00} wear-and-tear charge * Removal/correction of any negative credit reporting related to this disputed charge * A formal review of my lease and protection coverage records * Written clarification regarding why my valid wear-and-tear coverage was not honored * Assurance that similar issues will not occur with my current Hyundai lease # # Additional Information This experience has severely damaged my trust in Hyundai Motor Finance and the dealership. Prior to this incident, I had positive experiences with Hyundai vehicles and recommended the brand to friends and family. However, the handling of this matter, the repeated collection calls, and the impact to my credit have left me extremely dissatisfied as a customer. Account Number : XXXX Leased Vehicle : XXXX Hyundai Ioniq 6 Limited XXXX XXXX : 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