Independent profile — not affiliated with Kia Motors Finance
Kia Motors Finance
Kia Motors Finance and Kia Finance America are names used by Hyundai Capital America, the Irvine, California captive lender that services loans and leases written at Kia dealerships. This page lists its published contact and payment channels, the 2022 CFPB and 2024 Justice Department consent orders that name the company, and complaint counts as displayed by CFPB, BBB and Trustpilot on October 12, 2026.
Complaints & Reviews on USAComplaints
USAComplaints currently maintains 5 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 below.
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts
- Official website (Kia Finance America): https://www.kiafinance.com/
- Customer Service, M-F 8 a.m.-9 p.m. ET; also automated account line: 866-331-5632 3 complaints mention this number
- Collections Department, M-F 8 a.m.-10 p.m., Sat 8-4:30, Sun 8-5 ET: 866-344-5632
- Lease-End Servicing Team, M-F 8 a.m.-9 p.m. ET: 855-537-8542
- Roadside Assistance 24/7 (listed on the contact page): 800-333-4542 15 complaints mention this number
- BBB-listed number for 'Kia Motors Finance' (Dallas file): 800-523-4030 4 complaints mention this number
Locations
| Type | Address |
|---|---|
| Headquarters | 3161 Michelson Dr, Suite 1900 Irvine CA 92612 |
| Mailing address | PO Box 20825 Fountain Valley CA 92728 |
| Mailing address | PO Box 650805 Dallas TX 75265-0805 |
| Mailing address | PO Box 660891 Dallas TX 75266-0891 |
Kia Motors Finance and Kia Finance America: who services the loan, how to reach them, and where to complain (checked October 12, 2026)
Which company this is. The lender that services Kia vehicle loans and leases under the Kia Finance America name is Hyundai Capital America. Its privacy policy (effective December 17, 2025) calls Kia Finance America "the trade name of Hyundai Capital America, a California corporation", and Indiana's Department of Financial Institutions lists "Kia Motors Finance" and "Kia Finance America" among the doing-business-as names of Hyundai Capital America, Inc. The company's own site and statements use Kia Finance America; the Kia Motors Finance name still appears on BBB and in the Indiana listing. Most customers signed their contract at a Kia dealership, which then assigned it to this lender.
Contact channels on the company's contact page (opened October 12, 2026).
- Customer Service and automated account information: 866-331-5632, Monday to Friday 8 a.m. to 9 p.m. Eastern. The page asks you to have your account number or Social Security number available for the automated line.
- 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.
- Finance payments by mail: PO Box 650805, Dallas, TX 75265-0805. Lease payments by mail: PO Box 660891, Dallas, TX 75266-0891. The page says to write the account number on the check.
- Written correspondence only (not payments): PO Box 20825, Fountain Valley, CA 92728.
- Overnight payoff: finance accounts go to Box 650805, 885 East Collins Boulevard, Suite 110, Richardson, TX 75081; lease accounts to Box 660891 at the same street address.
The page text was read through a text renderer, so check the numbers against your latest statement before relying on them.
What the company's pages offer. The home page lists an online account, Autopay, paperless billing, email alerts, and a title tracker tool that the company says helps customers see "where you are in the title/lien release process". For leases it says it mails a Lease-End Kit four months before the contract maturity date and describes three options: lease or buy a new Kia, buy the current vehicle, or return it. Its Terms of Use ask you to call the Customer Service Department at 866-331-5632 if you believe your password or account was used without permission.
If a problem is not resolved with the lender. You can submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint (the CFPB page lists (855) 411-2372). In the CFPB's public database the matching company name is "HYUNDAI CAPITAL AMERICA"; the database did not suggest a separate Kia Motors Finance or Kia Finance America name on October 12, 2026. Servicemembers should also read the Justice Department order summarized below, which concerns repossessions of vehicles owned or leased by protected servicemembers. Complaints on this page are allegations by the people who filed them, not findings.
Federal orders naming Hyundai Capital America (CFPB 2022, Justice Department 2024)
CFPB consent order, July 26, 2022. The CFPB describes Hyundai Capital America as a nonbank automotive finance company that "purchases and services retail installment contracts and vehicle leases originated by Hyundai, Kia, and Genesis dealerships". The Bureau found that the company repeatedly furnished consumer reporting companies information containing numerous systemic errors and that it knew of many of the inaccuracies for years before attempting to fix them. The order states findings that the company violated the Fair Credit Reporting Act and Regulation V and the Consumer Financial Protection Act, including failing to promptly correct inaccurate information, failing to provide the required date of first delinquency on certain accounts, failing to modify or delete disputed information it found inaccurate, and failing to set up reasonable identity-theft blocking procedures. The Bureau also found that the company's use of ineffective manual processes and systems containing known logic errors to furnish information was unfair under the Consumer Financial Protection Act, and that it did not establish and implement reasonable written policies and procedures on the accuracy and integrity of furnished information. It requires $13,200,000 in redress to affected consumers and a $6,000,000 civil money penalty. The company 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 the order it ends on the later of five years from the effective date or five years from the most recent date the Bureau initiates an action alleging a violation of the order, if such an action is initiated within five years of the effective date (measured from July 26, 2022, the five-year term runs to July 2027); the CFPB's administrative docket lists only the stipulation and consent order, both dated 07/26/2022.
Justice Department consent order, November 26, 2024. The United States alleged that Hyundai Capital America violated the Servicemembers Civil Relief Act by repossessing 26 motor vehicles leased or owned by protected servicemembers between April 15, 2015 and May 21, 2023 without the required court orders. The order says the company "neither admits nor denies" the allegations. It requires SCRA-compliant repossession policies and training, $10,000 per servicemember-owner on each listed account plus any lost equity on retail accounts together with interest on that lost equity (with $270,000 to be placed in escrow), credit repair for affected servicemembers, and a $74,941 payment to the U.S. Treasury (the Justice Department's case page calls this amount a civil penalty). It is in effect for four years from entry. The case page lists the Civil Rights Division at 202-514-3847.
Licensing. Indiana's record lists a Non-Lender (General Finance) licence, number 634, issued 07/01/1990 and shown as Activated on October 12, 2026. The Kia Finance America site footer lists Connecticut, Maryland, Illinois and California Financing Law licence disclosures.
Searches run on October 12, 2026 did not identify a state attorney general or state regulator order naming Hyundai Capital America, Kia Finance America or Kia Motors Finance; individual state regulator databases were not each searched.
Who stands behind the Kia Finance America name
Entity. Hyundai Capital America (HCA) is headquartered at 3161 Michelson Drive, Suite 1900, Irvine, California. Its website describes it as "the trusted captive finance partner of Hyundai, Kia, and Genesis brands" and says it works "through our service brands Hyundai Motor Finance, Genesis Finance, and Kia Finance America", providing "indirect vehicle financing and leasing solutions to over 3 million customers" (a company statement). The Justice Department's consent order 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 order records approximately 2 million customers and assets above $45 billion in 2021 as reported by the company in that proceeding. These figures come from different documents and dates and are not combined.
The name. Two company pages describe the Kia Finance America name differently. The Kia Finance America Terms of Use say it "is a trademark of Hyundai Capital America, a California corporation and/or its affiliates", while the HCA 'Finance Solutions' page says "Kia Finance America is the registered trademark of Kia Finance America, Inc. and is used with permission". Both statements are quoted here as the company published them; they have not been reconciled with a trademark registry search.
Sister brands and partners. HCA also services the Hyundai Motor Finance and Genesis Finance brands, which are treated as the same lender, not a different company. The Kia Finance America home page says it has partnered with Root Insurance to offer insurance quotes to Kia owners. BBB lists an incorporation date of 1989-09-06 for the Hyundai Capital America file, from the page's raw data.
Recent company news. HCA's newsroom lists a release dated August 26, 2026 about funding-market (asset-backed securities) milestones and a June 2, 2025 announcement of a President and CEO appointment. The sources checked on October 12, 2026 showed no recent release about changes to Kia Finance America servicing, payment channels or complaint handling.
Complaint figures as displayed on October 12, 2026, and this site's own archive
CFPB database. Complaints about vehicle loans and leases serviced by Hyundai Capital America are filed under the company name "HYUNDAI CAPITAL AMERICA": 8,342 complaints received between March 19, 2012 and October 5, 2026, 1,868 of them received on or after October 12, 2025. The most frequent product label was "Vehicle loan or lease" (4,110), followed by two credit-reporting labels (1,601 and 1,229), "Debt collection" (832) and "Consumer Loan" (458). The most frequent issue labels were "Incorrect information on your report" (1,909), "Managing the loan or lease" (1,590) and "Problems at the end of the loan or lease" (1,438). Company responses included "Closed with explanation" 7,965, "Closed with non-monetary relief" 193, "Closed with monetary relief" 40; 53 were marked untimely. These counts cover every brand HCA services, including Hyundai and Genesis, and cannot be separated for Kia.
BBB. The BBB profile for "Kia Motors Finance" in Dallas, TX is not BBB Accredited and shows an A+ letter rating; its complaints tab displays 1,279 complaints in the last three years and 348 in the last 12 months, identical to the totals on the BBB profile of Hyundai Capital America in Irvine (which is BBB Accredited, A+, with an average of 1.07 out of 5 from 120 customer reviews). A separate BBB file named "Kia Motor Finance" in Atlanta, GA (which BBB lists under the category "Auto Manufacturers" and describes with "This company offers automobiles") is not accredited, shows a rating of F with the reason that the business failed to respond to 169 complaints and that 137 complaints were not resolved, and displays 1,670 complaints in three years and 428 in 12 months. The files are not added together, and BBB's letter ratings are BBB's own.
Trustpilot. The unclaimed profile for kiafinance.com shows 1.3 out of 5 from 82 reviews (57 in the last 12 months) with the notice that the company has no history of asking for reviews and reviews may not be representative; Trustpilot does not fact-check reviews.
This site's archive. Five approved complaints in the archive name Kia's finance arm as the subject (dated 2005 to 2013). They describe a credit-report charge-off after a stolen vehicle, a repossession after a payoff, a refund of a disability-policy premium held by the lender, a duplicate debit after a trade-in, and a title not received after payoff. Eight further posts mention the lender in a related way (seven under the sister brand Hyundai Motor Finance, one lease buyout fee dispute with a dealership). These are individual accounts that have not been independently verified.
Court record: the Servicemembers Civil Relief Act case
United States v. Hyundai Capital America (C.D. Cal., No. 2:24-cv-03818-MEMF-AS). The Justice Department filed the complaint on May 8, 2024 and the court approved a consent order on November 26, 2024; the terms are summarized in the regulator section. The order says the defendant neither admits nor denies the allegations and provides for the case to be dismissed with prejudice after the four-year term, which the United States may move to extend.
Other dockets. A CourtListener search of federal dockets by the case name "Hyundai Capital America" on October 12, 2026 returned many pages of docket results, including consumer suits filed in 2026 in the Central District of California, and a search for "Kia Finance America" returned a docket filed in 2025 in the Southern District of Texas. Their claims and outcomes were not reviewed for this page; a docket entry shows what was filed, not whether an allegation is true.
Is Kia Motors Finance Legitimate?
Kia Finance America and Kia Motors Finance are names used by Hyundai Capital America, Inc., a California corporation with its headquarters in Irvine, California. Indiana's Department of Financial Institutions shows it as a licensed Non-Lender (General Finance) entity (licence 634, issued July 1, 1990, activated), and the Kia Finance America footer lists Connecticut, Maryland and Illinois licence numbers and a California Financing Law licence. The lender is also the respondent in a 2022 CFPB consent order and the defendant in a 2024 Justice Department consent order, both described above.
To check that a payment request or call is genuine, compare the number and mailing address with the ones printed on your statement and on the company's contact page, and use the NMLS Consumer Access site for licence records. Domains other than kiafinance.com and the Hyundai Capital America site were not verified as company channels.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| United States v. Hyundai Capital America (Servicemembers Civil Relief Act repossessions) Docket 2:24-cv-03818-MEMF-AS | U.S. District Court, Central District of California | Settled | Settled The United States alleged that Hyundai Capital America repossessed 26 motor vehicles leased or owned by SCRA-protected servicemembers between April 15, 2015 and May 21, 2023 without the required court orders. The court approved a consent order on November 26, 2024 stating that the defendant "neither admits nor denies" the allegations. The order requires SCRA-compliant policies and training, $10,000 per servicemember-owner on each listed account plus any lost equity on retail accounts together with interest on that lost equity (with $270,000 deposited in escrow for this purpose), credit repair, and a $74,941 payment to the U.S. Treasury, which the Justice Department's case page calls a civil penalty. It stays in effect for four years from entry, after which the case is to be dismissed with prejudice unless extended. | Source |
Related Complaints
Names this company in a role other than the primary subject — not necessarily current or complete.
Company Relationships
- Owned by: Hyundai Motor America
- Owned by: Kia America
- Affiliated with: Hyundai Motor Finance
Frequently Asked Questions
Is Kia Motors Finance the same company as Kia Finance America?
Indiana's Department of Financial Institutions lists both "Kia Motors Finance" and "Kia Finance America" as doing-business-as names of Hyundai Capital America, Inc., and the Kia Finance America privacy policy (effective December 17, 2025) calls Kia Finance America "the trade name of Hyundai Capital America, a California corporation". BBB carries separate files under the names "Kia Motors Finance" and "Kia Motor Finance".
How do I contact Kia Finance America and where do payments go?
The contact page lists Customer Service at 866-331-5632 (Monday to Friday 8 a.m. to 9 p.m. Eastern), Collections at 866-344-5632 and the Lease-End Servicing Team at 855-537-8542. Finance payments by mail go to PO Box 650805, Dallas, TX 75265-0805, lease payments to PO Box 660891, Dallas, TX 75266-0891, and written correspondence (not payments) to PO Box 20825, Fountain Valley, CA 92728. The page asks that the account number be written on the check.
How do I find out where my title is after paying off a Kia loan?
The company's home page says its title tracker tool can help customers stay informed about where they are in the title and lien release process, and its contact page gives payoff addresses for finance and lease accounts. Several complaints in this site's archive describe delays in receiving a title after payoff; those are individual accounts and have not been verified. Keep the payoff letter and the date and amount of the final payment when you contact Customer Service.
What did the CFPB's 2022 order against Hyundai Capital America require?
The July 26, 2022 consent order found that the company violated the Fair Credit Reporting Act, Regulation V and the Consumer Financial Protection Act in how it reported auto-loan information to consumer reporting companies. It requires $13,200,000 in redress to affected consumers and a $6,000,000 civil money penalty, and the company consented without admitting or denying the findings, except those needed for the Bureau's jurisdiction.
What did the Justice Department's servicemember repossession case say?
The complaint filed May 8, 2024 alleged that Hyundai Capital America repossessed 26 vehicles leased or owned by protected servicemembers without the court orders the Servicemembers Civil Relief Act requires. The consent order approved November 26, 2024 states that the company neither admits nor denies the allegations and requires policies, training, $10,000 per servicemember-owner plus lost equity on retail accounts with interest, credit repair and a $74,941 payment to the U.S. Treasury (described on the Justice Department's case page as a civil penalty).
Where can I file a complaint about Kia Finance America?
You can contact the lender's Customer Service line first, then submit a complaint to the CFPB at consumerfinance.gov/complaint. In the CFPB's public database, complaints appear under the company name "HYUNDAI CAPITAL AMERICA". You can also file with BBB, and with your state's financial or consumer protection regulator; the Texas Office of Consumer Credit Commissioner and the "Nationwide Mortgage Licensing System" (as BBB names it) are listed on BBB's Kia Motors Finance profile under Other Resources.
How many complaints have been filed about Kia Motors Finance?
As displayed on October 12, 2026, the CFPB database lists 8,342 complaints under "HYUNDAI CAPITAL AMERICA" (all brands, 2012 to 2026) and BBB's Dallas "Kia Motors Finance" file shows 1,279 complaints in three years, the same total as the Hyundai Capital America headquarters profile. A separate Atlanta BBB file shows 1,670. The sources count different things and are not added together.
What does Kia Finance America say about the end of a lease?
The company's Lease-End Overview page says it mails a Lease-End Kit four months before the contract maturity date and lists three options: lease or purchase a new Kia, buy the current Kia, or return it. It also offers a self-assessment tool for excess wear and use charges and a lease return balance estimator. Fees and terms depend on your own lease contract.