Kia Motors Finance Reviews, Complaints & Contacts

Contacts

PhoneAddress

• VerifiedOfficial website (Kia Finance America)kiafinance.com ↗

Customer service & general contact

• VerifiedCustomer Service, M-F 8 a.m.-9 p.m. ET; also automated account line866-331-5632 3 complaints mention this number

Account & login

• VerifiedRoadside Assistance, 24/7: disabled vehicles and dealer locations, not account questions800-333-4542 15 complaints mention this number

Reference numbers (not support lines)

• Listed by BBBNumber BBB lists for Kia Motors Finance, not on the company's contact page800-523-4030 4 complaints mention this number

Other contacts

• VerifiedCollections Department, M-F 8 a.m.-10 p.m., Sat 8-4:30, Sun 8-5 ET866-344-5632
• VerifiedLease-End Servicing Team, M-F 8 a.m.-9 p.m. ET855-537-8542

Locations

• Headquarters3161 Michelson Dr, Suite 1900 Irvine CA 92612
• Mailing addressPO Box 20825 Fountain Valley CA 92728
• Mailing addressPO Box 650805 Dallas TX 75265-0805
• Mailing addressPO Box 660891 Dallas TX 75266-0891

Is Kia Motors Finance Legitimate?

BBB, CFPB, Trustpilot

Legal name

Hyundai Capital America

Business type

Captive auto finance company for Kia vehicle loans and leases

Website

kiafinance.comSource: Kia Finance America website, checked 2026-10-27

Headquarters

Irvine, CASource: checked 2026-10-27

Owned by

Hyundai Motor AmericaSource: Justice Department consent order, paragraph 2: the lender, Hyundai Capital America, is wholly owned by Hyun…, checked 2026-10-27

Owned by

Kia AmericaSource: Justice Department consent order, paragraph 2: the lender, Hyundai Capital America, is wholly owned by Hyun…, checked 2026-10-27

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 6 historical complaints about Kia Motors Finance, published between 2005 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

• Paid Off Car in December but Title Still Not ReceivedPublished Feb 13, 2013 · Historical consumer allegation
• Charged $385.60 After Trading In Kia and Buying New CarPublished Feb 26, 2012 · Historical consumer allegation
• Calls Daily Starting Six Days After a Late Car PaymentPublished Jul 18, 2010 · Historical consumer allegation
• $2030 policy refund applied to loan principal, repo threatsPublished Jun 8, 2009 · Historical consumer allegation
• Car repossessed after payoff check marked Paid in Full clearedPublished May 16, 2006 · Historical consumer allegation
• Stolen Car Reported as Charged Off, Hurting My CreditPublished Mar 30, 2005 · Historical consumer allegation

Complaints at the CFPB, BBB and Trustpilot, and reports on this site

CFPB database. Complaints about loans and leases serviced by Hyundai Capital America are filed under the company name "HYUNDAI CAPITAL AMERICA". The database holds 8,438 such complaints received since March 2012. The most common product label is "Vehicle loan or lease" (4,160), followed by two credit-reporting labels (1,633 and 1,229), "Debt collection" (846) and "Consumer Loan" (458). The most common issues are "Incorrect information on your report" (1,934), "Managing the loan or lease" (1,612) and "Problems at the end of the loan or lease" (1,447). The company closed 8,058 complaints with an explanation, 193 with non-monetary relief and 40 with monetary relief; 53 responses were marked untimely and 22 complaints were still in progress. These counts cover every brand HCA services, including Hyundai and Genesis, and cannot be separated for Kia. A complaint in the database is the consumer's account, not a finding.

BBB. BBB's profile for "Kia Motors Finance" in Dallas, TX is not BBB Accredited and carries an A+ rating; it shows 1,266 complaints in the last three years. The same total appears on BBB's Hyundai Capital America profile in Irvine, CA, which has been BBB Accredited since January 2022 and is rated A+, so the two pages are counting the same complaints. A separate BBB file named "Kia Motor Finance" in Atlanta, GA, listed under auto manufacturers, is not accredited and is rated F; BBB gives as reasons that the business failed to respond to 180 complaints and that 138 complaints were not resolved. That file shows 1,658 complaints in three years. The files are not added together, and the letter grades are BBB's own.

Trustpilot. The unclaimed profile for kiafinance.com shows a TrustScore of 1.3 out of 5 from 85 reviews. Trustpilot notes that the company has not invited its customers to review it, so the reviews may not be representative.

Reports on this site. 6 published complaint reports are linked to this profile. Those that name Kia's finance arm as the subject date from 2005 to 2013 and describe a credit-report charge-off after a vehicle was stolen, a repossession after a payoff, a refund of a disability-policy premium kept by the lender, a charge taken after a trade-in, and a title not received after payoff. Other linked posts mention the lender indirectly, most of them under the sister brand Hyundai Motor Finance and one about a dealership's lease-buyout fee. These are individual accounts that have not been independently verified.

Kia Motors Finance and Kia Finance America: who services the loan, how to reach them, and where to complain

Which company this is. Kia vehicle loans and leases arranged at Kia dealerships are serviced under the Kia Finance America name by Hyundai Capital America. Its privacy policy calls Kia Finance America "the trade name of Hyundai Capital America, a California corporation".

Phone lines and addresses on the company's contact page.

• Customer Service and automated account information: 866-331-5632, Monday to Friday 8 a.m. to 9 p.m. Eastern. For the automated line, have your account number or Social Security number ready.
• Collections Department: 866-344-5632, Monday to Friday 8 a.m. to 10 p.m., Saturday 8 a.m. to 4:30 p.m., Sunday 8 a.m. to 5 p.m. Eastern.
• Lease-End Servicing Team: 855-537-8542, Monday to Friday 8 a.m. to 9 p.m. Eastern.
• Roadside Assistance: 800-333-4542, 24 hours a day, for disabled vehicles, dealer locations and roadside program questions; it is not an account or payment line.
• Finance payments by mail: PO Box 650805, Dallas, TX 75265-0805. Lease payments by mail: PO Box 660891, Dallas, TX 75266-0891. Write your account number on the check.
• Written correspondence only (not payments): PO Box 20825, Fountain Valley, CA 92728 (the privacy policy gives the ZIP code as 92728-0829).
• Overnight payoff: finance accounts to Kia Finance America Box 650805, 885 East Collins Boulevard, Suite 110, Richardson, TX 75081; lease accounts to Box 660891 at the same street address.

Online account and leases. The site offers an online account for payments and account details. For leases, the company says it mails a Lease-End Kit four months before the contract maturity date and describes three choices: lease or buy a new Kia, buy the current vehicle, or return it.

If the lender does not fix the problem. Put your complaint in writing to the correspondence address and keep copies, payment confirmations and payoff letters. You can then submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or (855) 411-2372; in its database the company is listed as "HYUNDAI CAPITAL AMERICA".

Federal orders naming Hyundai Capital America (CFPB 2022, Justice Department 2024)

CFPB consent order, July 26, 2022 (2022-CFPB-0005). The CFPB describes Hyundai Capital America as a nonbank auto finance company that buys and services retail installment contracts and vehicle leases written by Hyundai, Kia and Genesis dealerships. The Bureau found that for years the company sent consumer reporting companies information with numerous systemic errors, and that it knew of many of the inaccuracies for years before trying to fix them. The order finds violations of the Fair Credit Reporting Act and Regulation V, including failing to promptly correct inaccurate information, omitting the required date of first delinquency on certain accounts, failing to fix disputed information it found inaccurate, failing to block information resulting from identity theft, and lacking reasonable written accuracy policies. It also finds that the company's use of ineffective manual processes and systems with known logic errors to report information was unfair under the Consumer Financial Protection Act. The order required the company to deposit at least $13,200,000 into a separate account for redress to affected consumers within 10 days of its effective date (paragraph 113) and to pay a $6,000,000 civil money penalty to the Bureau (paragraph 120). It consented "without admitting or denying any of the findings of fact or conclusions of law", except the facts needed for the Bureau's jurisdiction. Under paragraph 150 the order ends five years after its effective date, or later if the Bureau brings an action alleging a violation of the order within those five years. The CFPB lists the matter as post order.

Court record: the Servicemembers Civil Relief Act case

Court records

United States v. Hyundai Capital America (U.S. District Court for the Central District of California, 2:24-cv-03818-MEMF-AS). The Justice Department filed the complaint on May 8, 2024, alleging repossessions of servicemembers' vehicles without the court orders the Servicemembers Civil Relief Act requires. The court approved and entered a consent order on November 26, 2024; its terms are summarized in the section on federal orders. The company neither admits nor denies the allegations. The order runs for four years from entry, during which the court keeps jurisdiction to enforce it; the case is then to be dismissed with prejudice unless the United States obtains an extension.

Court & Public Records

Who stands behind the Kia Finance America name

The company. Hyundai Capital America (HCA) is the captive finance company for Hyundai, Kia and Genesis vehicles, headquartered at 3161 Michelson Drive, Suite 1900, Irvine, California (main line 949-468-4000). Its company timeline says it was founded in 1989 to support Hyundai sales and expanded to support Kia sales in 2005. HCA says it works through the service brands Hyundai Motor Finance, Genesis Finance and Kia Finance America, buying contracts written at dealerships and serving more than 3 million customers; that figure is the company's own. Its subsidiary Hyundai Protection Plan sells vehicle service contracts.

Ownership and size in official records. The Justice Department's 2024 consent order (paragraph 2) describes HCA as "a wholly-owned subsidiary of Hyundai Motor America and Kia America" and one of the top-10 captive auto-finance companies in the United States. The CFPB's 2022 consent order (paragraph 4) says HCA serviced approximately 2 million customers and reported assets of more than $45 billion in 2021. The two figures come from different years and documents.

Company Relationships

• Owned byHyundai Motor America
• Owned byKia America
• Affiliated withHyundai Motor Finance

Frequently Asked Questions