Total CFPB complaints
677
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 677 complaints
HYUNDAI CAPITAL AMERICA — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about HYUNDAI CAPITAL AMERICA
- Attempts to collect debt not owed
Attempts to collect debt not owed
230 complaints
- Written notification about debt
Written notification about debt
126 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
112 complaints
- False statements or representation 79
False statements or representation
79 complaints
- Communication tactics 70
Communication tactics
70 complaints
C
Grade C · 59.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about HYUNDAI CAPITAL AMERICA?
HYUNDAI CAPITAL AMERICA has accumulated 677 total CFPB complaints across 39 states, with 212 filed in the most recent 12 months against 465 historical complaints before that window. The trailing-12-month volume represents 31.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 5% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 39 states, led by California with 119 and Florida with 92, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.9/100 places HYUNDAI CAPITAL AMERICA in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
212
31.3% of total history
Rising ↑
States active
39
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
5%
After company response
Reputation grade
C
59.9/100 composite
Response-quality profile
How HYUNDAI CAPITAL AMERICA performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 10.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does HYUNDAI CAPITAL AMERICA compare to its peers?
HYUNDAI CAPITAL AMERIC… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed230 (%)
Written notification about debt126 (%)
Took or threatened to take negative or legal action112 (%)
False statements or representation79 (%)
Communication tactics70 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 103 |
| Written notification about debt | Didn't receive enough information to verify debt | 94 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 93 |
| False statements or representation | Attempted to collect wrong amount | 79 |
| Attempts to collect debt not owed | Debt was paid | 77 |
| Communication tactics | Frequent or repeated calls | 53 |
| Attempts to collect debt not owed | Debt was result of identity theft | 50 |
| Written notification about debt | Didn't receive notice of right to dispute | 32 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 19 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 17 |
Where do complaints against HYUNDAI CAPITAL AMERICA come from?
The states where consumers have filed the most CFPB complaints against HYUNDAI CAPITAL AMERICA. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against HYUNDAI CAPITAL AMERICA
Across 39 states with at least one filing
- California
California
119 complaints
- Florida
Florida
92 complaints
- Texas
Texas
66 complaints
- Georgia
Georgia
56 complaints
- New Jersey 32
New Jersey
32 complaints
- North Carolina 31
North Carolina
31 complaints
- New York 28
New York
28 complaints
- Pennsylvania 26
Pennsylvania
26 complaints
Frequently Asked Questions
What is the most common complaint against HYUNDAI CAPITAL AMERICA? ▼
The most common issue consumers report about HYUNDAI CAPITAL AMERICA is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 677 complaints filed with the CFPB.
Are complaints against HYUNDAI CAPITAL AMERICA increasing or decreasing? ▼
Complaints against HYUNDAI CAPITAL AMERICA are rising. The company received 212 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is HYUNDAI CAPITAL AMERICA's reputation grade? ▼
HYUNDAI CAPITAL AMERICA has a reputation grade of C (score: 59.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does HYUNDAI CAPITAL AMERICA respond to consumer complaints? ▼
HYUNDAI CAPITAL AMERICA has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 5% of cases.
In how many states does HYUNDAI CAPITAL AMERICA operate? ▼
HYUNDAI CAPITAL AMERICA has received CFPB complaints from consumers in 39 states, with the most complaints from California (119 complaints).
What can I do if HYUNDAI CAPITAL AMERICA is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If HYUNDAI CAPITAL AMERICA violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |