Debt collection -- Attempts to collect debt not owed -- Complaint #5991905
Complaint Overview
Complaint ID: 5991905
Company: Hyundai Capital America
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: California
ZIP Code: 92376
Date Received: 2022-09-18T12:00:00-05:00
Date Sent to Company: 2022-09-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RE : Credit Account # XXXX To Whom It May Concern : Upon reviewing my XXXX, XXXX, and XXXX credit report, I observed that my auto account with Kia Financial is listed as a negative paid charge off entry. In XX/XX/2020, I endured an abrupt loss of employment that was related to devastating financial hardships that the organization experienced resulting from the COVID-19 pandemic. My account history indicates that the past due balance was paid as well as the resulting late fees. Further, the full payment has since been PAID IN FULL. My purpose in writing is that I have encountered difficulties in securing financing from mortgage lenders, largely the result of a diminished XXXX score. I respectfully request that you make a goodwill adjustment to delete the charge off collection entry from my credit file. Thank you for your consideration. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #5991905 about?
Complaint #5991905 was filed against Hyundai Capital America regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-09-18T12:00:00-05:00.
How did Hyundai Capital America respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Hyundai Capital America?
Yes, visit the Hyundai Capital America company profile at readthecomplaint.com/company/hyundai-capital-america to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.