Consumer complaint received 2019-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XX/XX/XXXX I returned a car that I leased from XXXX XXXX in XX/XX/XXXX to lease from a different car manufacturer and was under the impression I owed nothing else. Prior to leasing my new vehicle, I called Kia Motors Finance to get the remaining balance due on my car so the dealership could pay off the active amount due. I was given the amount of {$1000.00} and that amount was paid by XXXX XXXX XXXX and from there assumed the car was paid off in full. 
Seven months later, XXXX XXXX, I received a letter in the mail from KIA stating that I am being put into collections due to a balance that is owed on the car. I called the customer service line at Kia   Motors Finance and asked for a brief explanation on the balance and was told that it was due to the lease end balance that was owed on the vehicle, items like wear and tear etc. Kia states they mailed a bill to me in XX/XX/XXXX, however that bill was never received and I lived my life thinking nothing was due. Also, upon speaking with the representative at Kia, I was informed that they only submit a Bill once to the consumer and if there is no response to it Kia does not submit any other letters or phone calls asking for payment. I paid the amount due from Kia after I requested to have the bill sent to me to review. They did send it but with this being the first time I saw it the damage was already done on my credit report. 
I paid the balance to prevent myself from being sent to collections ; however my account with Kia Motors Finance remains sitting on my credit report as greater than 90 days late and will remain until XXXX per my free credit report paperwork. Since I never received the initial letter I am asking to have my credit report be back dated to when Kia claims they mailed the initial letter in XX/XX/XXXX. I have never missed a car payment with Kia and my credit report supports that. This situation is most likely due to an error/issue with the lease end and I would hope that my positive credit report with Kia could help support my claim. 
I contacted the attorney general regarding this issue after filing multiple credit report appeals with XXXX  with no budge from Kia Motors Finance. They opened up a case file for me in XX/XX/XXXX and have been working diligently to help correct my credit report. Kia motors finance will not budge and as recent as XX/XX/XXXX they claim that my dispute with them is " inaccurate ''. I firmly believe that I was never late on any payments as I would have called and paid the claim as soon as I would have received the bill. The attorney general from XXXX, NY states that they can no longer assist me with mediation on this issue and suggested that I filed a complaint through the Consumer Financial Protection Bureau. 
This false report is hindering me from obtaining approval for a new financial lease for a car and has left me with many sleepless nights. I appreciate any help in this matter.

Company response to consumer: Closed with explanation