Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I am filing a formal complaint against Hyundai Motor Finance regarding repeated billing errors, improper property tax allocation, inaccurate collections activity, and negative credit reporting despite multiple documented attempts to resolve this issue directly with the company since XX/XX/XXXX. This matter involves a XXXX property tax abatement issue connected to a vehicle lease transition from a fully paid XXXX vehicle to a XXXX Hyundai vehicle secured on XX/XX/XXXX. The issue began when my registration/address information was incorrectly associated with XXXX, XXXX instead of XXXX, XXXX during the lease transfer process. XXXX property taxes had already been paid, and documentation regarding the tax abatement and correction was submitted multiple times via fax and mail to XXXX XXXX XXXX Property Tax Department. Despite repeated submissions and confirmation from representatives that the matter was under review, Hyundai Motor Finance continued billing me inconsistent amounts and initiating collections activity. Specifically : * A bill dated XX/XX/XXXX referenced property taxes tied to my prior XXXX vehicle, which had already been paid off and returned with no outstanding balance. * That bill referenced the tax year XX/XX/XXXX through XX/XX/XXXX. * A second bill dated XX/XX/XXXX then reflected a new charge of {$580.00} tied to my XXXX vehicle for the same referenced tax period. * The tax amounts, vehicle assignments, and billing history contain inconsistencies that have never been adequately explained. In addition : * On XX/XX/XXXX, after receiving a call from Hyundai Motor Finance, I contacted customer service and was advised my account reflected the {$580.00} balance while the tax abatement review was pending. I was informed that my submitted documentation had been received and the matter was being reviewed. * On XX/XX/XXXX, I received a collections call from a representative identified as XXXX in the debt department advising I was 13 days past due. He confirmed account notes regarding the ongoing abatement review and stated he would document further follow-up. * On XX/XX/XXXX, I received another collections-related contact regarding the same disputed amount. Throughout multiple calls with representatives, supervisors, and finance department staff, I was repeatedly assured that once the abatement review was completed, the issue would not negatively impact my account. These calls were stated to be recorded by the company. Despite those assurances, Hyundai Motor Finance continued collections activity and negatively impacted my credit reporting while the dispute remained unresolved. I have made substantial payments on the account, including : * {$970.00} on XX/XX/XXXXXXXX XXXX {$360.00} on XX/XX/XXXX The XXXX tax amount referenced was approximately {$610.00}. I believe Hyundai Motor Finance failed to properly investigate and resolve the disputed charges before engaging in collections activity and furnishing potentially inaccurate information to the credit bureaus. This situation has caused financial hardship, stress, and damage to my credit profile despite my repeated good-faith efforts to resolve the matter directly and provide all requested documentation. Resolution Requested I am requesting : 1. A full investigation and audit of my account history. 2. Removal or correction of any improperly applied property tax charges 3. Immediate correction/removal of any inaccurate negative credit reporting related to this dispute 4. Written confirmation of the findings and corrections made 5. Suspension of any collections activity related to disputed amounts pending final 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