Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
To the Complaint Department : I am filing this formal complaint to report an ongoing, severe pattern of predatory lending, illegal debt collection, and targeted harassment by a network of debt collectors. These entities are utilizing unlawful tactics, including unauthorized wage garnishments, multi-state litigation abuse, cyber harassment, and workplace interference. XXXX. Predatory Lending and Fraudulent Account Management My initial decision to cease payments on these accounts ( including auto loans ) was a direct result of the lenders predatory practices. Specifically : Fraudulent Balance Calculations : Despite making payments, the principal balance was never accurately reduced due to overbilling, exorbitant interest rates, and the continuous addition of unauthorized, phantom charges. Data Privacy Violations : My private and financial information was unlawfully sold and distributed to third-party vendors without my consent. XXXX. Unlawful Garnishments and Multi-State Litigation Abuse These collection agencies have weaponized the legal system to harass me and unlawfully seize my assets. They have filed lawsuits across multiple states simultaneously to bypass due process and cause maximum distress. To date, they have unlawfully seized over {$1000.00} through wage and bank garnishments without providing proper legal notification or following appropriate legal protocols. XXXX. Collusion and Cyber Harassment I have documented evidence proving that several of these seemingly distinct lenders and collectors are operating out of the exact same physical location, conspiring to collect these disputed debts through force and intimidation. Digital Attacks : They are utilizing software exploits ( including via XXXX, XXXX XXXX XXXX XXXX ) to track, attack, and compromise my personal computer. Phishing Scams : After initially attempting to settle a portion of this debt in good faith, I was forced to retract the settlement when the collectors weaponized the communication to launch phishing scams and further digital attacks against me. XXXX. Severe Workplace Interference Most recently, this harassment has illegally crossed into my place of employment. The collectors have actively attacked my workplace by interfering with internal communication channels and involving my employer 's security team, jeopardizing my professional standing and livelihood. Conclusion and Demand for Action I am well aware of my rights as a consumer regarding predatory lending, having successfully navigated fraudulent debt discharges in the past ( including through the XXXX v. XXXX government lawsuit ). The actions taken by these collectors violate multiple federal and state consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ). I have retained all documentation, server logs, and communications proving these allegations. I demand an immediate, thorough investigation into this network of collectors, an immediate cease and desist of all workplace and digital harassment, and a review of the funds that were illegally garnished from my accounts.

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