Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Company : Hyundai Motor Finance ( Hyundai Motor Finance / HMF ) Product : XXXX XXXX XXXX Account Ending XXXX Issue type ( Billing dispute / XX/XX/XXXX I am filing a complaint because Hyundai Motor Finance ( HMF ) attempted to take my monthly car payment twice in XX/XX/XXXX, then treated my account as late and assessed late fees, even though I paid before the due date. 
XX/XX/XXXX : I made my car payment to HMF ( authorized payment ). 
XX/XX/XXXX : The payment posted/cleared from my bank account ( funds were withdrawn ). 
XX/XX/XXXX : HMF charged my bank account again for the same billing period without my authorization ( duplicate debit ). 
Because the XX/XX/XXXX debit was not authorized and I had already paid, I instructed my bank to deny/reject the XX/XX/XXXX debit. 
After that, HMF stated I had a late payment and assessed late fees, even though I paid on time and the late status was caused by HMFs improper duplicate charge attempt. 
XX/XX/XXXX : I paid {$660.00} due to HMFs actions and to protect my account/payment history, even though I have proof the payment was already made on XX/XX/XXXX and withdrawn XX/XX/XXXX. 
I have documentation showing : proof of my authorized payment on XX/XX/XXXX, my bank record showing the withdrawal on XX/XX/XXXX, and the second, unauthorized debit attempt on XX/XX/XXXX. 
Why this is wrong HMF wrongfully attempted a second debit after my on-time payment cleared, then penalized me with late fees and negative payment history when I rejected the unauthorized duplicate debit. This caused financial harm ( fees and forced additional payment ) and potential harm to my credit history. 
What I want the company to do ( requested resolution ) I am requesting that Hyundai Motor Finance : Correct my payment history by removing any late payment notation and ensuring my account reflects the XX/XX/XXXX payment as on time ( paid XX/XX/XXXX / withdrawn XX/XX/XXXX ). 
Refund/reimburse all late fees and any charges assessed due to the duplicate XX/XX/XXXX debit attempt and resulting late status.

If HMF furnished any negative information to credit bureaus, immediately correct/delete any inaccurate late-payment reporting and provide written confirmation of the correction. 
Provide a written explanation identifying why the duplicate debit was initiated on XX/XX/XXXX and what controls HMF will implement to prevent recurrence. 
Provide an itemized account history/ledger for XXXX showing payment posting dates, fee assessments, and reversals/adjustments. 
Laws and consumer protections supporting my claim ( federal ) Electronic Fund Transfer Act ( EFTA ) / Regulation E ( unauthorized electronic fund transfers ) : Consumers are protected from unauthorized electronic fund transfers and institutions must follow error-resolution procedures for EFT errors XXXX 
Consumer Financial Protection Bureau XXXX Dodd-Frank Act UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : It is unlawful for covered persons to engage in unfair or deceptive practices in connection with consumer financial products/services ; charging consumers twice and then penalizing them can be an unfair practice.

Legal Information Institute +1 Fair Credit Reporting Act ( FCRA ) accuracy and dispute duties ( if HMF reported a late payment ) : Furnishers have duties regarding the accuracy of information and investigating disputes ( especially after CRA notice ), and must correct inaccurate reporting.

Legal Information Institute XXXX Attachments I am providing Bank statement or transaction screenshot showing payment withdrawal on XX/XX/XXXX Payment confirmation/receipt showing payment made XX/XX/XXXX Bank transaction showing the duplicate debit on XX/XX/XXXX ( amount, ACH trace/merchant descriptor ) HMF statement/ledger showing late fee ( s ) and any late notation Proof of {$660.00} payment on XX/XX/XXXX

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