Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
Starting last year I attempted to get a deferred payment plan on my loan due to hardship. This was around XX/XX/XXXX. I kept being told there were no payment plans available to me due to the account delinquency. When they finally reviewed me for a deferment it was around XXXX of XXXX once I brought the account within 30 days of delinquency. I was evicted in XXXX of XXXX and have been living in the car since. I do have a job so payments were made from that time specified to around XXXX of last year when I was not able to make any payments. When I spoke to them the same information was given, that I do not have any payment options. In XXXX of XXXX I made a XXXX payment and was told that will bring the account out of repossession status but the loan will remain charged off. Due to the charged off status I have no payment options other than the full balance of the loan. They advised that the most recent address they have of mine is a XXXX address from years ago when the loan was open and since I was ( am ) living out of the car I don't have a current address. They also advised that I can not be given anything in writing because of the charged off status of the loan. I was told this in XXXX of XXXX. I was not notified of anything regarding the loan and/or repossession from this company since XXXX of XXXX when i was evicted from my living quarters. However, Friday XX/XX/XXXX at around XXXX ( ish ) I walked outside from my friends house to find that my car was taken. I called Hyundai Motor Finance immediately who informed me they had come to repo the car. I was once again informed that the full balance of the loan is due. Given, my mental state of it all, by the end of the day I ended up in the hospital after I suffered a XXXX XXXXXXXX XXXX The company they used cause even more damage. The company XXXX XXXX XXXX XXXXXXXX was called and I was told that in order to retrieve my personal items I would need to go online and make an appt via an IVR system. I remained on the line for an agent to receive information about where the car was at least. I was greeted by a lady who refused to give me her name. She was very condescending and stated that although my car was taken well AFTER business hours I was unable to receive an appointment no earlier than monday. She then proceeded to yell at me and tell me that I had an attitude. I attempted to diffuse the situation by letting her know I was NOT mad at her personally I was just mad at the situation. I told her that I was having XXXX XXXX  and had been crying for over 2 hours. She raised her voice again and when I asked for her name she hung up. ( This is recorded in my phone ) I called back and asked for a manager and spoke with a XXXX whom of which was condescending as well. I asked to speak to her manager and she cold transferred me to a woman named XXXX. XXXX confirmed that all of them are within the same office space and while XXXX stated she did not hear the agent, XXXX confirmed she did hear the conversation and would pull the call and have XXXX call me on Monday XX/XX/XXXX. XXXX stated multiple times she would advise him of the situation and leave him a post-it note. When I reached out to XXXX he was unaware of the situation so I gave him a brief synopsis and requested he listen to the call and contact me back. It has been several hours and I recieved a text from XXXX stating that " admin '' is taking longer than normal to pull the call for review, but, that he would call me back as soon as he did review it. I was able to text him back with the call recordings I have and have not recieved a response. Hyundai had my co-signer 's information and my email and phone number. I did not recieved 1 call, text, letter, or other communication regarding the repo and then was subjected to abuse from the towing company who is not being cooperative with allowing me to get my personal belongings out of the car. I am able to show and prove that Hyundai is not blocked, they clearly were able to find me for repossession but failed to contact me before to advise that the XXXX paid that the account was charged off and that repossession was never " haulted ''.

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