I purchased a Kia Rondo at Lake Manawa Kia in Council Bluffs, IA in February. I was sold a disability policy for approximately $2000. I told them that I had a heart condition and was told that it would not be preexisting. So in September I had a heart attack and was told by the insurance company that it was preexisting and I would not be covered. I contacted Lake Manawa Kia and asked them to cancel the policy and refund my premium.
The policy was never cancelled. I was not able to go back to work after the heart attack, so I got behind on my car payments. I made the payments as I could without a job. In May I contacted the insurance company and found out the policy was never cancelled, so they contacted the dealership and finally the policy was cancelled. The dealership contacted me on May 8 and told me that a refund check for $2030.00 had been sent to Kia Motor Finance.
I called Kia Motor Finance and they told me that once they received the check, they would refund it to me. I asked them to apply it to my back payments, and they refused. They also told me on that same call that if I did not make a payment, they were going to repo my car. I finally borrowed the money from several of my friends and sent them a payment. They have threatened me several times to come and repo my car, and due to the stress I had another heart attack on May 14 and was in the hospital for five days.
When I got out of the hospital, I called Kia Motor Finance to see if they had received the check. A rep informed me that the check was applied to my back payments and that I did not have a payment due until Aug 24. I asked her for a letter stating that, and she refused. I went on their website and verified that there was no payment due until August. My doctor had informed me that I would need a heart bypass, so since I thought I had my car payments paid ahead, I went ahead and scheduled my surgery.
I then received a call from Debra Archies from Kia Motor Finance on June 5, and she informed me that they were going to repo my car since I was behind on my payments. I told her what the rep had said about my payments being paid until August. She then put on a very rude man, who informed me that any refund per my contract was applied to the principal of the loan.
I tried to explain to him that I financed $22603.05 when in fact I should have financed only $20573.05, so that would make my account overpaid by $2030.00. He informed me that I was wrong and that if I did not send them a check for $800.00 by the next day, my car would be repo'd. I was so upset that I canceled my heart bypass surgery because I needed my car.
I have been trying to deal with Kia for about 5 months, and the only thing I have gotten from them is rudeness and lies. I faxed a letter to a Mr K Forte, who I was told was the manager for this problem, with no response. I have been searching the internet for three days to find a person in charge of Kia Motor Finance, since no one at their 800 number will give me anyone.
I have found out that the service center employees are not knowledgeable and lie. I need my car and I also need my bypass surgery, and I am sick of trying to deal with them. My next step will be to go to my local TV station that deals with consumer problems and to the BBB in order to get this taken care of.
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