Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
XXXX XXXX XXXX Consumer Complaint Vehicle Lease Transaction Consumer : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Vehicle : XXXX XXXX XXXXXXXX XXXX ( Lease ) -- XXXX XXXX XXXX XXXX XXXX. Initial Contact and Payment Expectations My wife and I contacted the dealership because we intended to continue leasing a XXXX XXXX similar to the one we previously leased in XXXX. Our goal was to maintain a reasonable monthly payment comparable to our existing lease. During early communications with the dealership we were informed that they had worked out a lease arrangement that would keep the payment under {$450.00} per month. XXXX XXXX XXXX XXXX XXXX XXXX. Payment Negotiation at the Dealership When we arrived at the dealership, the payment discussion began around {$420.00} per month. During the finance discussion the payment was later increased slightly to approximately {$430.00} per month, which was attributed to credit-related factors. Throughout the negotiation process, optional add-on products were not explained to us as optional purchases, nor were they presented in a way that made clear they would significantly affect the cost of the lease. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Execution We ultimately signed the lease documents believing we were leasing a new vehicle and that the monthly payment reflected the terms discussed during the negotiation. At no point during the sales or finance process were we informed that the vehicle had prior rental use, nor were we provided documentation indicating that significant optional add-on products were being included in the lease. -- - # # # XXXX. Issues Discovered After the Transaction After taking delivery of the vehicle and reviewing the documents more closely, several concerns became apparent : Approximately {$2800.00} in add-on products and {$3200.00} more from XXXX lease were included in the lease despite not being clearly explained or agreed to during the finance process. All add ons from both leases we pushed as standard leasing fees never given an option. The vehicle had substantially higher mileage than expected for a new vehicle at the time of delivery. I later learned that the vehicle had previously been used as a rental vehicle, which was not disclosed during the sales process. The inspection sticker documentation appears to reflect a mileage figure that does not align with the mileage that had already accumulated on the vehicle prior to delivery. The car was inspected following the rental period as brand new ( XXXX miles ) actual miles over XXXX. The manufacturers XXXX window label, which typically identifies the manufacturers equipment and pricing disclosures for new vehicles, was not displayed or provided during the sales process. -- - # # # XXXX. Attempts to Resolve the Matter Over the past approximately XXXX weeks I have contacted the dealership and finance company XXXX XXXX XXXX XXXX seeking clarification and requesting cancellation of the add-on products associated with the lease. While some communication has occurred, responses have often been delayed and several questions about the structure of the transaction have not been addressed. The dealership acknowledged the prior rental history of the vehicle and offered {$1500.00} to resolve the issue, which does not address the financial impact of the add-on products and other concerns that have been identified. Total damages from add ons alone is {$6100.00}. -- - # # # 6. Request for Review and Clarification Based on the documents I have received and the information provided during the sales process, I am having difficulty understanding how the final lease payment was calculated and when the optional add-on products were incorporated into the transaction. Hyundai finance was informed that the add-ons were legally added to the back end of the lease instead of canceling them for me or sending me the cancellation forms directly. They are forcing me to interact with a dealership that has been caught in a scam twice now. Thats just add on scams and thats without mentioning the used rental car that They leased me a brand new for top dollar. The payment discussed prior to visiting the dealership appears to have already reflected charges that were never explained as optional products during the finance process. Because several documents and explanations provided after the transaction appear inconsistent, I respectfully request that the transaction be reviewed and that the dealership provide the internal records showing how the lease payment was structured and how the optional products were incorporated into the agreement. -- - # # # XXXX. Requested Outcome My goal is to resolve this matter fairly and to better understand how the lease transaction was structured. I respectfully request assistance reviewing the transaction and determining whether the disclosures and documentation provided during the sales process were consistent with applicable consumer protection standards. I would like my rights observed in regards to the cancellation of the illegally added products that were already factored into our payment before we even looked at the car and pushed forth as standard fees.

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