Hyundai Capital America Consumer Loan Complaint

Hyundai Capital America Consumer Loan department,

Vehicle lease Managing the loan or lease Florida

My leased vehicle was involved in an accident and insurance company stated it was a total loss. The accident occurred within one week of turning in the vehicle at the end of the lease. The insurance company paid the finance company $20000.00. for the loss however per the lease agreement the payoff of the vehicle is $19000.00. It was explained to me that the finance company would refund the overage of payment however I was only refunded the last months payment, $310.00. When I contacted the finance company about the refund of the difference I was told that since they are the owner of the vehicle they get to keep any overage. I exclaimed that since the accident happened at the end of the lease I should have had the option to purchase the vehicle at the agreed price in the contract or the difference should have been refunded to me. Attached is the original lease agreement that should the predetermined purchase price and the insurance documents that shows the payout amount.