This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 770 complaints

Hyundai Capital America - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade C.

Complaints by issue type

What consumers report about Hyundai Capital America

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 59.9/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Hyundai Capital America ranks ahead of 42% of the 5,283 collectors PlainCollector grades - 58% keep a cleaner CFPB record, on 770 all-time complaints and a 99% timely-response rate.

42nd pct
reputation rank of 5,283 graded collectors
770
CFPB complaints, all-time
99%
answered inside the CFPB window
260
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Hyundai Capital America?

Hyundai Capital America has accumulated 770 total CFPB complaints across 39 states, with 260 filed in the most recent 12 months against 510 historical complaints before that window. The trailing-12-month volume represents 33.8% 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". The company posts a 99% timely-response rate against a 5% consumer-dispute-after-response rate.

Complaints have been recorded across 39 states, led by California with 130 and Florida with 108. Normalized against the full CFPB collector database, the reputation score of 59.9/100 places Hyundai Capital America in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

770

mid-volume (CCDB)

Last 12 months

260

33.8% of all-time complaints

Rising ↑

States active

39

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

5%

low (vertical avg ~19%)

Reputation grade

C

59.9/100 composite

How does Hyundai Capital America's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

60 42nd percentile higher than 42% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Hyundai Capital America versus the debt-collection vertical average.

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) 5.3%
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?

How does HYUNDAI CAPITAL AMERICA compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
HYUNDAI CAPITAL AMERIC… National average
Complaints (last 12 mo)lower is better
260
126
268
Timely-response ratehigher is better
99%
80%
91%
Consumer-dispute ratelower is better
5%
23%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 268
Took or threatened to take negative or legal action - 163
Written notification about debt - 138
False statements or representation - 91
Communication tactics - 84
Cont'd attempts collect debt not owed - 10
Threatened to contact someone or share information improperly - 7
Improper contact or sharing of info - 4
Disclosure verification of debt - 2
Electronic communications - 2

Where do complaints against Hyundai Capital America come from?

Hyundai Capital America's own per-state count, not a national baseline.

Top states by complaints against Hyundai Capital America

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Hyundai Capital America contacts you

A grade of C signals how Hyundai Capital America's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Hyundai Capital America and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Hyundai Capital America ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 770 complaints filed with the CFPB.

Are complaints against Hyundai Capital America increasing or decreasing? ▼

Complaints against Hyundai Capital America are rising. The company received 260 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (130 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.