Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
Below is an email sent to XXXX XXXX on XXXX Good Afternoon, Kia Motor Finance. My name is XXXX XXXX Im contacting you because back in XXXX I accidentally made an extra car payment after my vehicle was paid off in XXXX ( Automatically withdrawn from my bank ). I have called KIA Finance XXXX times as of today. Back in XXXX you issued a refund check to my address on file. The check was deposited, then magically you advised my bank that the check was fake and had the funds withdrawn. I have called XXXX times since and have been told that new checks are being issued and to just wait XXXX business days to receive the check. After having waited XXXX business days XXXX times, I still have not received a check. On todays date I spoke with a XXXX who would not spell her name, provide a last name or title other than Supervisor. XXXX advised that the checks dont show because I call after waiting XXXX business days and say I never received it. So, the process starts over again. Well, how long am I supposed to wait? And clearly the checks are not being issued then canceled or I would have received the physical checks in the mail. For some reason the check is not being issued in a timely manner. XXXX advised that a check was issued on XX/XX/XXXX then cancelled yet again on the XXXX for some reason. I asked XXXX why and she stated something about an investigation. She further stated that a check was in the mail. She was unable to provide me with an email that stated the check was real and I could deposit it in my bank account. She further advised that she would not send it certified mail, nor will she deposit the funds electronically even if I paid for it. My concern is XXXX the check never shows like the last XXXX and XXXX if somehow you guys do the right thing and issue the check that you dont contact my bank XXXX weeks later and have the funds withdrawn. I would love to be contacted by a supervisor that can help. I would like some sort of reassurance that A ) A check has been issued and is not under some sort of investigation, B ) if the check shows up, that Kia Finance wont claim the check is fake. I have waited patiently for over XXXX months for a simple XXXX $ check. Can someone who is capable of helping, call me. Can the refund be issued electronically? Can the check be sent certified mail? I will pay for it. Can I get confirmation that if a check shows up at some point, who knows when, that Kia will not claim the check is fake and withdraw the funds. I do not actually expect a phone call, because that would actually require someone do their job I do not even actually expect a check to show. I do expect that I will have to contact the Better Business Bureau and file a civil complaint, with my local court, over {$400.00}, which at this point will be just for the principal of it. Any type of response would be appreciated. I will also be completing a complaint with Kia Customer Care.

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