Consumer complaint received 2024-10-24 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: NY

Complaint narrative:
SEE LETTER UPLOADED ( LAST ATTACHMENT ) WHERE THIS IS FORMATTED FOR EASE OF VIEWING. 
================================================================ On XX/XX/XXXX I leased a new XXXX XXXX XXXX from XXXX XXXX in XXXX, Colorado. KIA Finance is refusing to send me the following documents I need to register the car in XXXX including the Power of Attorney, Letter of Permission, Certified Copy of Title. These documents need to be sent to me at the address that KIA Finance has on file. XXXX XXXX told me they have no means to receive these documents directly on my behalf. ================================================================ If KIA doesnt overnight me these documents before my temporary plate expires XX/XX/XXXX then KIA should credit me for the period of time where my car is unusable {$290.00} lease payment, plus reimbursement for my auto insurance {$160.00} p/m and my garage charge {$150.00} XXXX. ================================================================ XXXX XXXX also overcharged me on my lease which was advertised as {$190.00} a month, but they gave me the car for {$290.00} after hitting my credit XXXX disabling my ability to shop at other dealers. They also included an additional {$20.00} per month for an aftermarket car alarm ( XXXX XXXX ) that was never installed in my car. They told me it was pre-installed in all cars XXXX XXXX sold, but my car was transferred from another dealer the same day I took possession and the alarm was never installed. XXXX XXXX now admits that it was never installed. I had requested that they adjust my lease payment to reflect the correct amount, less the aftermarket alarm I never received, but XXXX claimed ( email attached ) they would send me a refund. Theyve not done so. My preference would be for KIA Finance to credit me for the extra {$20.00} already paid in XXXX and remove the additional {$20.00} from all future lease payments. Having erroneous lease amounts on my credit report is also problematic. This is my XXXX XXXX lease and this car is {$100.00} more a month than my last KIA. Being a senior I have to be very mindful of my credit utilization. 
I have recorded KIA Finance calls after confirming that I am speaking to XXXX. I can provide links to the calls if CFPB needs them. KIA hung up on me 2x today, despite me being very solicitous. They said they can not send me the title documents for another 90 days which means I can not drive my car through winter. I have no way to get food, travel to work or to the doctor without the car. XXXX told me that XXXX police can confiscate vehicles without registration. 

================================================================ Attached is the following documents proving that I need these title documents overnighted and my lease amount modified : ================================================================ XXXX. XXXX paper license plate ( from dealer in CO ) showing it expires XX/XX/XXXX. XXXX told me the dealer erred and should have given me a 90 day plate. Dealer claims they can not issue me an extension when XXXX in XXXX and not CO anymore. Dealer knew I was moving when I leased the car. ================================================================ XXXX. Copy of my online XXXX XXXX account showing they acknowledge I requested the title, but that they are reviewing the request because documents are missing. ================================================================ XXXX. XXXX Department XXXX XXXX XXXX XXXX listing the documents needed from XXXX in order to register the car. ================================================================ XXXX. Copy of my new NYS Drivers License dated XX/XX/XXXX proving I surrendered my Colorado license. XXXX XXXX admits they were notified by Colorado that I had surrendered my CO license. ================================================================ XXXX. XXXX Postal Service Certified Receipt dated XX/XX/XXXX showing I already sent XXXX XXXX XXXX Department a request to send these documents to me. ================================================================ XXXX. Copy of certified letter sent to XXXX XXXX XXXX XXXX XX/XX/XXXX requesting title documents be sent to XXXX and also requesting change of address. XXXX XXXX processed my change of address. ================================================================ XXXX. Copy of my phone log showing I phoned XXXX XXXX at XXXX on XX/XX/XXXX about my Title and address change. ================================================================ XXXX. Email from XXXX dated XX/XX/XXXX confirming that they received my address change ================================================================ XXXX. Email thread from XXXX XXXX at XXXX XXXX confirming he is refunding me for the aftermarket car alarm. But I have not received the check and this amount doesnt include last months {$20.00} already paid to XXXX XXXX XXXX XXXX in the thread a XXXX XXXX email states the alarm was not installed. 

================================================================ XXXX XXXX never gave me any copies of the documents I signed when I leased the car. It was XXXX and I had already been there XXXX hours. They had worn me down ( I am XXXX ). They had me sign everything electronically and rushed me through it and promised the documents would all be in my email. When they send me the documents, given they were electronically signed I want to print out to include the signed timestamps on it. Because if this goes to court, I have proof of my arrival at XXXX being XXXX hours earlier because that is when I called XXXX to transfer my insurance. I was alone in the dealership for hours waiting in front of the Finance office. Making me wait at that late hour was intentional to make me so tired I couldnt stand up for myself. I originally went in at KIA Finance behest because I wanted to buy out my leased XXXX XXXX and I needed financing. XXXX XXXX wouldnt let me buy my XXXX XXXX XXXX- they gave me a printed out quote for it that is implausible. Nor would they let me lease a new XXXX Soul ( I had XXXX already ) which is what I feel comfortable in physically and financially. They sold me an expensive, very heavy EV which I find difficult XXXX XXXX and I am unable to charge. I was not given the opportunity to XXXX XXXX the car. Theres no XXXX charging stations where I live ( closest is XXXX minutes ). My salesperson even told me I would be able to charge at XXXX, but thats not true. I have to pay another {$300.00} next year. This car can not handle mountainous driving, which is where I lived and live, nor does it handle cold weather. The brakes do not even handle dry roads well. I constantly get a dashboard warning, even in my garage, the incline is too steep for regenerative braking. 

================================================================ This is my XXXX XXXX and I have never been late on a payment. My last XXXX was almost stolen and resulted in $ XXXX of vandalism damages. Another dealer, XXXX XXXX hit my credit XXXX last XXXX resulting in my XXXX XXXX going down and now XXXX XXXX did this too. 

================================================================ Being a woman buying a car is an awful experience, but being an elderly woman buying a car is absolutely horrendous. You can see on XXXX KIAs XXXX reviews that they have repeated problems with overselling and scamming women. I hadnt seen this before I did business with them.

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