{"took":664,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":586812,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9984963","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have been having issues with XXXX for almost 3years I have resolved this matter which I have includes all documentations. I have a company that is called XXXX calling me with this matter. This is a closed matter and there is no reason to be getting any phone calls or letters. I need this matter to be taken care of ASAP","date_sent_to_company":"2024-08-29T14:52:02.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"91730","tags":null,"has_narrative":true,"complaint_id":"9984963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Firstsource Business Process Services, LLC","date_received":"2024-08-29T14:43:43.000Z","state":"CA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"9984963"]},{"_index":"complaint-public-v1","_id":"9823865","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"US Bank is acting as a predatory lender by making far beyond what is owned on the vehicle after a total loss accident in a lease agreement. This is a stressful time already, having a bank capitalize on good consumers is a terrible practice. \n\nOn XX/XX/XXXX I was in a accident involving my XXXX XXXX XXXX. \nOn XX/XX/XXXX My vehicle was determined to be a total loss and valued at {$60000.00} On XX/XX/XXXX After repeated attempts by XXXX XXXX to get the payoff amounts I called to get the information myself from US Bank. I was denied payoff information. This is also what XXXX XXXX experiences. On the US Bank website, Statements & mobile app, you can not locate any information about remaining payments or amount owed. Given my truck was total loss, they refuse to give any numbers to me as the consumer. It is super shady they give no numbers and leave the consumer in the dark. \nOn XX/XX/XXXX We had a three party call where US Bank stated they make the decision on overpayment amounts and do not give out payoff information. \n\nWith further questioning, US Bank stated to me ( consumer ) that any over payment assessment is done by them and they are entitled to equity in the vehicle given if the vehicle valuation was less than what was owed, they would take the loss justifying keeping the excess. However, this information is not declared in my lease agreement. With this information, I ( & any average consumer ) would have never made such a considerable down payment given why take the risk ourselves if the bank wants to take the risk. Furthermore, my lease does state I am responsible for XXXX  insurance which contradicts what was told on both calls. Every contact with them resulted in incomplete or unclear understanding of their own business processes. US Bank should be able to provide the amount owned to make the loan whole. It is complete recklessness on their part to hide behind legal jargon in a contract and refuse to give out the true payoff amount. Also, the rep informed me that I can not pay off the loan myself now the vehicle was total loss, meaning they force the insurance companies to pay them the full amount which is like stealing from the consumers. It is a complete predatory tactic to dup customers into putting large down payments and then double dip on the backend of the contract. \n\nI would include a copy of my lease agreement, but to no surprise, there is no digital one available on the US Bank website. Everything is being hidden from me as the consumer. Let me also add, that my original lease documents list no loan number or account number. It is like it never existed.","date_sent_to_company":"2024-08-16T19:48:30.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"19702","tags":null,"has_narrative":true,"complaint_id":"9823865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2024-08-16T18:53:02.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"9823865"]},{"_index":"complaint-public-v1","_id":"8952170","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have already resolved this matter and also have proof of all paperwork were it has a {$0.00} balance. I'm now XXXX and don't want to bother with this issues.","date_sent_to_company":"2024-05-07T20:53:09.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"91730","tags":null,"has_narrative":true,"complaint_id":"8952170","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2024-05-07T20:46:47.000Z","state":"CA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"8952170"]},{"_index":"complaint-public-v1","_id":"8917969","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing to express my deep concern and frustration regarding a lease agreement I have with American Honda Financial Corp. for a XXXX Honda XXXX. As a long-standing and loyal customer of Honda vehicles , I have always valued the quality of their products and services. However, I find myself in an unprecedented and untenable situation that requires urgent attention and resolution. \n\nIn late XXXX, my parked vehicle, the XXXX Honda XXXX, was unfortunately side-swiped, resulting in significant damage to the passenger side-view mirror and its assembly. Despite my diligent efforts to procure the necessary replacement part, I have been informed that it is currently backordered with no definite timeline for availability. This has left my vehicle with an expired safety inspection sticker, as I am unable to pass the inspection due to the broken mirror, posing a significant safety concern. \n\nI have reached out to Honda Corporate Office in an attempt to expedite the procurement process for the replacement part. However, after placing an order, which was subsequently canceled without my knowledge, I was informed that the part may not be available until midXXXX, with no guarantee of timely delivery. \n\nIn light of these circumstances, I contacted XXXXmerican Honda Financial Corp. to explore the possibility of returning the leased vehicle and having the remainder of my lease payments waived, considering that I can not safely drive the vehicle due to the unresolved issue. Regrettably, I was only offered a two-month deferment on my lease payments, which does not address the fundamental issue at hand. \n\nI am deeply troubled by the prospect of being penalized for a situation that is beyond my control. The suggestion of an early lease termination fee of nearly {$4000.00}, in addition to the balance of the lease agreement, is both unjust and unreasonable. As a responsible consumer, I believe it is imperative to seek a fair and equitable resolution to this matter. \n\nI implore you to intervene on my behalf and advocate for a solution that allows for the timely return of the vehicle without incurring undue financial burdens. I trust that your agency will prioritize consumer protection and ensure that my rights as a customer are upheld. \n\nI've attached email documentation with my attempts to resolve the matter and proof of the ordered part. \n\nThank you for your attention to this urgent matter. I eagerly await your prompt response and assistance in resolving this issue.","date_sent_to_company":"2024-05-02T22:22:19.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"11426","tags":null,"has_narrative":true,"complaint_id":"8917969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2024-05-02T21:45:06.000Z","state":"NY","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"8917969"]},{"_index":"complaint-public-v1","_id":"8501197","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XXXX of XXXX I was involved in an hit and run accident. They ended up totaling my car. I went through Credit Acceptance and had Gap coverage as well. After everything was settled they still say I own {$3000.00}. I was told gap was supposed to cover the cost. I have been back and forth with them not getting any clear answers. They are now trying to sue me.","date_sent_to_company":"2024-03-07T15:32:46.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"460XX","tags":null,"has_narrative":true,"complaint_id":"8501197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-03-07T15:25:19.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"8501197"]},{"_index":"complaint-public-v1","_id":"8365569","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My lease with GM was due to end in XX/XX/XXXX. I needed to turn it in early and was willing to pay the additional months that were still left on the term. I turned in the lease in XXXX. On XX/XX/XXXX, I called GM Financial to confirm that the account was closed. Upon confirming this, I was also told by the representative that I would be receiving a refund, which was unexpected. About XXXX months later, in XXXX, I received a bill for {$900.00}, with no explanation of what the fee was for. Since then I have called GM Financial and have requested a detailed invoice be sent to me. I have been told everything from \" we can't email you one because your account is closed '' to \" we will send that right out ''. I finally received a letter from this week and alas, it has no information about what I am being charged for. I am not being unreasonable in asking for an explanation of what I am paying for. At this point, they have now reported my payment as late which has dinged my credit, which is the reason I am making the complaint. I have tried to resolve this many times with the company and they are unwilling to work with me. I even tried to file a digital request today via their complaint system and it would not let me.","date_sent_to_company":"2024-02-18T00:41:58.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"91042","tags":null,"has_narrative":true,"complaint_id":"8365569","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2024-02-18T00:30:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"8365569"]},{"_index":"complaint-public-v1","_id":"8069884","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My car was totaled in a crash on the XX/XX/2023 \nI had a lease going on with around a total of {$37000.00} pending ( pending lease amount plus buyout amount ). The insurance company estimated car value at XXXX and cut a check to my leasing company ( BMW financial services ). I had intended to buy the car out at the end of the lease. Now BMW is not returning me the excess money and I also had a {$5000.00} deposit that they are refusing to send to me in addition to the overage amount. \nI have made repeated calls and tickets on their portal but they are non-responsive. \n\nThey are offering me a loyalty payment credit which I'm not interested in. I just need the excess payment returned along with my security deposit of XXXX that I had paid while signing the lease.","date_sent_to_company":"2023-12-29T04:33:49.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"07093","tags":null,"has_narrative":true,"complaint_id":"8069884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2023-12-29T04:11:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"8069884"]},{"_index":"complaint-public-v1","_id":"7968177","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I returned vehicle XX/XX/XXXX so legally I should only be charged till the XXXX not all the way till the XXXX. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2023 Customer Service Department XXXX share Subject : Formal Complaint Regarding Overcharging and Refusal to Reimburse for Unused Days Dear Consumer Financial Protection Bureau and XXXX, I am writing to file a formal complaint concerning my recent rental experience with XXXX, reservation number XXXX, for a rental period starting from XX/XX/2023 to XX/XX/2023. \n\nUpon returning the rental vehicle on XX/XX/XXXX, I was dismayed to discover that my account was charged for a duration exceeding the agreed-upon rental period. Despite returning the vehicle as scheduled, I have been unjustly billed for additional days beyond my usage. \n\nFurthermore, despite numerous attempts to resolve this matter with your customer service representatives, I have encountered resistance and have been informed that the company is unwilling to reimburse me for the unused days erroneously charged. \n\nThe specifics of my complaint are as follows : - I rented a vehicle for a period from XX/XX/XXXX to XX/XX/XXXX as confirmed in my reservation. \n- The vehicle was returned on XX/XX/XXXX, in adherence to the agreed-upon rental period. \n- However, I have been charged for an additional 3 days beyond the return date, resulting in an overcharge of {$170.00} on my account. \n\nI kindly request a thorough review of my rental agreement and the charges applied to my account. I expect an immediate reimbursement for the overcharged amount corresponding to the days I did not utilize the rental vehicle. \n\nIf this matter is not rectified promptly and to my satisfaction, I will have no choice but to escalate this issue further through relevant consumer protection agencies and pursue all available legal avenues to ensure a fair resolution. \n\nI am willing to provide all necessary documentation, including my rental agreement, receipts, and any additional information required to facilitate the resolution of this dispute. \n\nI expect a prompt response and resolution to this issue within 7 business days from the date of this complaint. \n\nThank you for your immediate attention to this matter. \n\nSincerely, XXXX XXXX Enclosures : Copies of relevant documents","date_sent_to_company":"2023-12-07T16:26:45.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"7968177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2023-12-07T15:59:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"7968177"]},{"_index":"complaint-public-v1","_id":"7962241","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Attached please find the important information pertaining to my case. \nNOTICE : Please be advised that I am not represented by XXXX XXXX XXXX XXXX in XXXX XXXX, CA. I have no legal representation in California. \n\n1. On XX/XX/XXXX, I purchased a XXXX KIA XXXX XXXX # XXXX at KIA of XXXX, CA. I requested for a trade in with my XXXX KIA XXXX XXXX # XXXX for another KIA vehicle but they refused to do so. \n\nOn XX/XX/XXXX, I contacted KIA Finance America to request early termination of my XXXX XXXX XXXX XXXX. They said it was allowable for me to do so and surrender the vehicle to any KIA dealership such as the KIA XXXX in California in which I did. \n\nKIA Finance America is charging me {$14000.00} for Early Termination Fee. \n\n2. On XX/XX/XXXXXXXX  I was involved in a very serious car accident wherein a big rig truck side swiped my XXXX XXXX causing it to be totaled. I still suffer from injuries and discomforts from the accident. KIA Finance America was paid the totaled car value by my XXXX XXXX XXXX in the amount of {$25000.00}.","date_sent_to_company":"2023-12-07T08:36:19.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"94080","tags":null,"has_narrative":true,"complaint_id":"7962241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2023-12-07T06:14:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"7962241"]},{"_index":"complaint-public-v1","_id":"7455681","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On several occasion I have disputed the validity of the alleged debt of {$9400.00} that Ally claims that I owe. On XX/XX/XXXX I terminated the lease early. At the time of the termination the balance was {$13000.00} in remaining base monthly payments. The unearned rent charge of {$4500.00} ( which was calculated incorrectly ) and {$2.00} from other funds received was also deducted from the balance leaving a balance due of {$9400.00}. On XXXX XXXX XXXX  I received a notice from Ally saying they sold the vehicle and this was the remaining balance due. I have spoken to several employees including XXXX who is in the executive customer relations department, who stated that when Ally sells the vehicle the proceeds are applied to the balance at the time of the termination and then all other fees are deducted. I have asked on several occasions where the proceeds of {$20000.00} were applied to? I still have not gotten an answer. This leaves me to concluded that the proceeds were not applied to my balance. Ally also denied me the right to have an independent appraiser to appraise the vehicle within a reasonable amount of time after termination. Before I had an opportunity to located an appraiser, Ally sold the vehicle within a week after I turned the vehicle in. Ally refuses to give me any information in regards to the sale of the vehicle besides what the vehicle sold for. This account is also reporting inaccurately on my credit report and Ally refuses to delete the account. I have also requested a 1099-C for tax purposes since Ally claims that the account was charged off on XX/XX/XXXX. This inaccurate information has been furnished to 3 third party debt collectors to solicit payments from me on a debt that can not be substantiated. I am trying to resolve this matter without pursuing legal redress but Ally has been non compliant in trying to remedy their acts of fraud, tax evasion, and numerous violations of my consumer rights.","date_sent_to_company":"2023-08-25T16:23:37.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"30331","tags":"Servicemember","has_narrative":true,"complaint_id":"7455681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2023-08-25T16:02:09.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"complaint_what_happened":["I have spoken to several employees including XXXX who is in the executive customer relations department, who stated that <em>when</em> Ally sells the vehicle the proceeds are applied to the balance at the time of the termination and then all other fees are deducted. I have asked on several occasions where the proceeds of {$20000.00} were applied to? I still have not gotten an answer. This leaves me to concluded that the proceeds were not applied to my balance."],"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"7455681"]},{"_index":"complaint-public-v1","_id":"7336650","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/2023, I was rear ended which resulted in a total loss of my leased BMW vehicle. The car was around {$61000.00} where I put {$14000.00} down along with a years worth of payments. At the time of the accident, the pay off amount for the leased vehicle was {$44000.00}. After the assessment was performed by my insurance company, it was determined the amount the car was worth was {$56000.00}. \n\nBMW Financial has stated since this was a total loss, the lease is terminated and they will be keeping the entire amount rather than paying the lease pay off then providing me the different which is around {$12000.00}. \n\nFrom my insurance company, to dealerships with me looking for a new car, to my lawyer, all stated they have never heard of this before and the logical outcome should be me being provided the balance after the lease payoff of {$44000.00} was taken out. \n\nMy insurance agent as well as myself spoke with XXXX representatives from BMW financial on multiple occasions who verbalized the lease agreement does not explicitly state in the event of a total loss, BMW will keep the entirety of the pay off from the insurance company. \n\nAnother agent agreed that the lease agreement \" does not have the verbiage in the contract that would state the customer would not receive the remaining balance ''. \n\nThis is a binding contract where an agreement was signed, but since the contract does not state this then BMW Financial can just take the money anyways? When signing the agreement, I was not warned of this potential outcome, nor is it in the lease agreement. \n\nHow is it that this is okay? A giant company like BMW taking advantage of the customer because they are the small guy in the situation without the resources a company like BMW has. \n\nPlease help me in getting some sort of settlement where i would get whatever money is left over after the lease was paid off. \n\nTheir response to this from the XXXX \n\nWe understand you are requesting a refund of the difference between the insurance settlement amount to be paid by XXXX and the amount you would have paid to purchase your leased vehicle. As servicer for the owner of the leased vehicle, and pursuant to the terms outlined in Section XXXX of your Motor Vehicle Lease Agreement ( Lease Agreement ), BMW Financial Services is listed as loss payee on the vehicles insurance policy. Under Section XXXX, the insurance company is required to settle with BMW Financial Services for the actual cash value of the vehicle at the time of loss. Your obligations under Section XXXX are limited to any past due payments, property taxes, any deductible, or other items deducted from the actual cash value of the vehicle by your insurance company. The Lease Agreement provides for a gap waiver if the actual cash price were less than the Adjusted Lease Balance ; however, as the owner of the leased vehicle, BMW Financial Services is entitled to the insurance proceeds in the event of a total loss. \n\nOnce we received confirmation your insurance company determined the vehicle was a total loss, your Lease Agreement was terminated through the process outlined in Section XXXX, I agree to immediately notify you if the Vehicle is damaged or destroyed in an accident, stolen, abandoned, or taken by a police or other government agency. If any of the above events occur, you reserve the right to terminate this Lease. Once the Lease Agreement was terminated, the Purchase Option was no longer in effect. \n\nAs stated in the enclosed correspondence sent to you on XX/XX/2023, in appreciation of your business and to aid you in obtaining your next vehicle, BMW Financial Services may be able to offer you a Loyalty Payment Credit on your next account. The Loyalty Payment Credit amount will be up to 50 % of the amount remaining after subtracting your contractual payoff from the insurance settlement resulting from the total loss. Your eligibility, and the amount of the Loyalty Payment Credit, will be determined upon receipt of the insurance settlement payment from your insurance company. The insurance settlement amount must be received, and your account must be closed with a {$0.00} balance, before the Loyalty Payment Credit can be applied to your new account. As of the date of this letter, we have not received the settlement payment from your insurance company.","date_sent_to_company":"2023-08-01T17:13:24.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"018XX","tags":null,"has_narrative":true,"complaint_id":"7336650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2023-08-01T16:59:58.000Z","state":"MA","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"complaint_what_happened":["<em>When</em> signing the agreement, I was not warned of this potential outcome, nor is it in the lease agreement. \n\nHow is it that this is okay? A giant company like BMW taking advantage of the customer because they are the small guy in the situation without the resources a company like BMW has. \n\nPlease help me in getting some sort of settlement where i would get whatever money is left over after the lease was paid off."],"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"7336650"]},{"_index":"complaint-public-v1","_id":"7244766","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"We leased a Kia XXXX in XX/XX/XXXX with Kia Finance. In XX/XX/XXXX, something fell off a truck in front of the car as we were turning left at a traffic light. The car was declared a total loss by our insurance company, XXXX. The insurance company paid ~ {$5700.00} dollars above the lease payoff quote. XXXX gave us 7 additional days of car rental for us to find another vehicle. We loved the car and wanted to lease the same car again. We checked multiple dealerships and we found exactly XXXX XXXX XXXX XXXX in the surrounding error which happened to be an almost identical car in white. We were hoping that the dealership would be able to work with Kia Finance to get the excess payment rolled into our new lease, but they said they couldn't do anything yet as they were waiting on the payment from our insurance company. At this point, the XXXX models are coming out in the next month, so the car was new but last year 's model. Without the equity and downpayment from our first lease and a slightly higher lease rate, we ended up agreeing to lease the car for {$65.00} more per month than our previous lease on an identical car that was totaled. They had us over a barrel really, as they knew that there were no other XXXX XXXX around. We agreed to the deal because we needed to have a car and we fully expected to be receiving the {$5700.00} overpayment they received from our insurance company. Several weeks went by and we had not heard anything from Kia nor had we received any money from them. Over the next weeks we spoke with various persons at Kia over the phone and via their contact us email. Our requests were pretty straightforward forward - we wanted a detailed explanation of how the proceeds from the insurance company were applied and to find out when we would receive the excess funds. We were transferred around from place to place and got nowhere. No one seemed to understand the request... Then we finally received a check from Kia for XXXX cents 3 weeks after they received the funds.. We contacted them again a couple of times over the phone and via their contact us email on their website. After approximately 10 days ( end of XX/XX/XXXX ), we received a check for XXXX with no explanation.. We reached out to them and said thank you for the partial refund, we would like the rest of the refund and a detailed explanation of how the proceeds were applied.. In the meantime, we reached out to XXXX XXXX XXXX to confirm that our new car had been registered by the dealership as they were supposed to take care of all the paperwork and we didn't need to do anything. What we found out is that neither dealership had updated the city about the new vehicles so they still had our XXXX registered that was traded in XX/XX/XXXX. We contacted the dealership where we leased the replacement car and they did actually follow-up with the City and straighten everything out. However, when they did this it generated {$800.00} property tax bill on the totaled car that was sent to Kia. Kia dispite having sent us something that our old account was closed with a XXXX balance ( the completely ignored the overpayment ), started sending us bills for XXXX and we would respond in writing that they should deduct the {$800.00} from what they owed us and send us a refund of the remaining amount. They received to certified letters from us one in XX/XX/XXXX and the 2nd in XX/XX/XXXX. After the 2nd letter, we received a short paragraph from their Customer Care Department that thanked us for being loyal customers and no further refund was due without any further explanation. Apparently, they don't feel the need to account {$2700.00} in extra funds they received in excess of the Payoff Amount for the lease. They turned the {$800.00} over to a collection agency, but we provided the agency with notice that the amount was disputed and provided them the highlights of the dispute and we never heard from them again. We reached out to an attorney and he send 3 separate demand letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which were all completely ignored except for the 2nd recipient on the 2nd letter did send email to the attorney that they had nothing to do with Kia Finance. After the 3rd letter from the attorney, Kia did report that our account was 60 days past due. This caused our credit score to spiral downward and resulted in decreases in our credit limits and increases in our interest rates since XXXX of XXXX. The attorney suggested that we take them to small claims court and request treble damages for their willful neglect and intentional harm. Our lease states that we should go to arbitration, but that costs money. The amount that they still owe us is approximately the amount of our trade-in equity, our cash downpayment, and the extra amount that we received from the insurance company as a positive condition adjustment. We haven't done anything about small claims court or arbitration. We were hoping we could find an attorney to handle the arbitration thru my XXXX XXXX XXXX, but so far we have not found an attorney willing to assist us. The attorney who sent the demand letters says that he can't do anything further to assist us. We won't ever lease another car from Kia Finance, but they have effectively stolen money, refused to even discuss the matter and the damage they have done to our credit has already cost us a lot of money and will continue to do so for the coming years. When our lease is up in XX/XX/XXXX, we probably will not be able to afford a new car with our credit score down XXXX points since they reported us 60 days late back in XX/XX/XXXX. From what I know of the Hyundai case, it seems that we are being treated in a similar fashion by the sister company Kia Finance. I am hoping that CFPB can do something to help us and also to protect others from the damages caused by Kia Finance.","date_sent_to_company":"2023-07-13T06:29:31.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"223XX","tags":null,"has_narrative":true,"complaint_id":"7244766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2023-07-13T04:59:33.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"complaint_what_happened":["Our requests were pretty straightforward forward - we wanted a detailed explanation of how the proceeds from the insurance company were applied and to find out <em>when</em> we would receive the excess funds. We were transferred around from place to place and got nowhere. No one seemed to understand the request... Then we finally received a check from Kia for XXXX cents 3 weeks after they received the funds.."],"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"7244766"]},{"_index":"complaint-public-v1","_id":"7209371","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Despite sending in Form 50-285 Lessees Affidavit Motor Vehicle Use Other Than Production of Income, which Honda admitted they did not process timely, Honda charged me property taxes on my vehicle in violation of Texas State Law. \n\nUnder Texas State Law, anyone to be charged property tax, MUST : - be notified of the amount of tax to be charged and the appraisal value of the property ; - be given the opportunity to protest the taxes ; - be given to appeal an unsuccessful protest. \n\nHonda did not do any of the above. Additionally, I did not waive those rights in my lease agreement with Honda. This is a clear violation of Texas State Law. Honda can not charge me property taxes because of this.\n\nHonda was informed on this on a recorded phone line multiple times and by letter sent be certified mail. Despite my many attempts to resolve this, Honda continues to operate in bad faith and sent a debt collection agency to collect the debt. The debt collection agency consequently violated the FCRA twice.\n\nThis must stop. Honda must immediately cease collection of this debt unless they can provide clear proof that I waived my rights to be notified/protest/appeal.","date_sent_to_company":"2023-07-05T16:44:42.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"7209371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2023-07-05T16:31:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"7209371"]},{"_index":"complaint-public-v1","_id":"6710336","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I traded in my vehicle before the end of my lease. \n\nThe dealership where I purchased a new vehicle paid off the total amount due at the time of trade in. \n\nI received a letter from Kia Motor Finance America stating the lease has been paid in full and any obligation has been satisfied. I also received a refund check from Kia Motor Finance for a refund about of {$130.00} due to overpayment on the payoff. Upon attempting to deposit that check it bounced and I incurred a {$12.00} fee. \n\nI continue to receive weekly or biweekly collections calls about the lease. On multiple of these calls the agents have stated they see the full payoff amount and they will notate the account, yet nothing changes.","date_sent_to_company":"2023-03-17T16:03:43.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"84010","tags":"Servicemember","has_narrative":true,"complaint_id":"6710336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2023-03-17T15:50:29.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"6710336"]},{"_index":"complaint-public-v1","_id":"6680361","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Delete from credit report","date_sent_to_company":"2023-03-11T21:21:10.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"31768","tags":null,"has_narrative":true,"complaint_id":"6680361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2023-03-11T21:16:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"6680361"]},{"_index":"complaint-public-v1","_id":"6604003","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"the loan amount was trippled then they repo the car put a high fee on me then have me in dept keep reporting negative items on my credit report","date_sent_to_company":"2023-02-22T17:56:54.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"336XX","tags":null,"has_narrative":true,"complaint_id":"6604003","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-22T17:49:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"6604003"]},{"_index":"complaint-public-v1","_id":"6444549","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I leased a XXXX XXXX XXXX on XX/XX/XXXX through Hyundai Capital. As a consumer, I have the option to buy out my lease during my lease term ; this amount should be roughly equal to the residual amount of the vehicle plus the payments that I still owe and whatever their dictated purchase fee is ( I believe it was {$400.00} on my lease ). I leased this car knowing I was able to exercise my right to buy this car. \n\nAs of XX/XX/XXXX, the provided quote from Hyundai Capital to purchase this car was {$13000.00}. This is the amount that if I were to pay them on that date, the car would be fully mine. It would make them whole because it would satisfy our agreed upon value of the vehicle accounting for all of the payments I have made over the last 2 years. When we both signed the lease, we agreed that the value of the vehicle plus all fees was {$21000.00}. I put a down payment down of {$4100.00} and have been making monthly payments towards this car every single month since - over the last 2 years. I have paid over {$10000.00} towards this vehicle ; again, this was fully with the understanding that these payments would apply towards my lease balance. Therefore, it made sense that my buyout quote of {$13000.00} would fully satisfy any obligation I owed to Hyundai Capital for the car. \n\nUnfortunately, the car was involved in a total loss incident in XXXX. My insurance company, XXXX, was going to cut a check to Hyundai Capital for the remaining balance I owed them. As of XX/XX/XXXX, I owed them {$13000.00}. Somehow, on XX/XX/XXXX - 3 days later - Hyundai Capital sent a letter to XXXX saying the required proceeds for the vehicle was {$19000.00}! There was a difference in the proceeds owed of {$6600.00} over the course of 3 days. The $ XXXX I paid suddenly meant nothing. If I had any idea they would try to take advantage of the accident, I would have paid Hyundai Capital the {$13000.00} myself on XX/XX/XXXX! \n\nI intended on keeping this car if it had not been involved in the accident. The accident was a very unfortunate circumstance and this just added extra stress on top of it. I fully believed XXXX was going to pay XXXX the {$13000.00} and that the remainder of the settlement would go to me, the consumer. The amount that I put down when I had to purchase a new vehicle was fully with that number in mind ; I never imagined Hyundai Capital would try to take advantage of the situation and throw out a number that was {$5000.00} greater than my buyout quote simply because the vehicle was involved in a loss. Again, the $ XXXX that I put into this car during our contract completely vanished. \n\nHyundai Capital may say that - buried in the footnotes of my lease agreement- they are entitled to all insurance proceeds for physical damage to the vehicle ; that the amount I actually owe under this lease doesnt mean anything. However, I am trying to understand how this isnt just a money grab by a greedy corporation. Why do they all of a sudden need {$19000.00}? Are they not just trying to take advantage of an insurance claim? If I knew this would happen, I would have paid them directly and they wouldnt be any the wiser that physical damage had even occurred to the vehicle. I had NO IDEA that - because the check was coming from XXXX - that the amount owed would suddenly be different. I am the one that had to purchase a new vehicle in order to replace the one that I had. All of my equity I had in this vehicle was suddenly gone. \n\nUltimately, I feel like Hyundai Capital stole {$6600.00} from me. This represents a complete lack of transparency to the consumer and is - quite frankly - extremely predatory.","date_sent_to_company":"2023-01-16T19:48:51.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"33709","tags":null,"has_narrative":true,"complaint_id":"6444549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2023-01-16T19:30:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"complaint_what_happened":["The amount that I put down <em>when</em> I had to purchase a new vehicle was fully with that number in mind ; I never imagined Hyundai Capital would try to take advantage of the situation and throw out a number that was {$5000.00} greater than my buyout quote simply because the vehicle was involved in a loss. Again, the $ XXXX that I put into this car during our contract completely vanished."],"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"6444549"]},{"_index":"complaint-public-v1","_id":"6383034","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XXXX through XXXX of XXXX I contacted the Company ( Honda Financial Services ) to make a payment of the arrears for approximately {$1600.00} ( the call was recorded for quality assurance and training purposes ). The company refused payment during a global pandemic. Subsequently, repossessing my vehicle ( XXXX XXXX XXXX XXXX XXXX ). They are aware of a XXXX and XXXX accommodations and are violating the law. I have requested several times to have this information removed and I am seeking further assistance with this matter.","date_sent_to_company":"2023-01-19T17:40:39.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"17013","tags":"Servicemember","has_narrative":true,"complaint_id":"6383034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2022-12-31T19:08:59.000Z","state":"PA","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"6383034"]},{"_index":"complaint-public-v1","_id":"6253121","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/2022 I filed a complaint via the CFPB portable against Nissan Motor, I included my name and address along with the issue I was facing. On XX/XX/2022 I got a response which I will attach stating the inability to respond to my request due to the information provided. I am unsure how they could not find my account. I had requested a copy of my original contract and along with the complete payment history for the duration of the loan. \nHere is my Social Security # XXXX so they have no excuse in not finding my account.","date_sent_to_company":"2022-11-28T18:28:26.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"115XX","tags":null,"has_narrative":true,"complaint_id":"6253121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2022-11-28T18:18:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"6253121"]},{"_index":"complaint-public-v1","_id":"5623839","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XX/XX/21 my car was in a car accident XX/XX/21 XXXX insurance deemed my car to be a total lost and issued a check for XXXX the check covered the car difference of what Ally was asking for. Ally kept the balance and wants me to pay additional fees of XXXX .My gap insurance was not applied and they kept my payment of XXXX I made XX/XX/21. They received more than what the car was worth.","date_sent_to_company":"2022-06-01T20:27:53.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"02121","tags":null,"has_narrative":true,"complaint_id":"5623839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-06-01T20:02:50.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"5623839"]},{"_index":"complaint-public-v1","_id":"5616200","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Nissan Infiniti is reporting my returned lease as a Termination on my Credit report. The dealership Solicited early trade in and they would give me a outstanding deal on the new lease I transfered into. They are also reporting a monthly payment on my credit report that we didn't agree on. \n\nAccount number : XXXX","date_sent_to_company":"2022-05-27T05:51:00.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"75119","tags":null,"has_narrative":true,"complaint_id":"5616200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2022-05-27T05:33:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"5616200"]},{"_index":"complaint-public-v1","_id":"5478330","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Returned lease XXXX BMW XXXX XXXX XX/XX/XXXX. I had to sign for returning the vehicle. I was not shown the inspection results. I signed and expected to pay only extra mileage and a return fee. \n\nI was told I didn't need to pay now. I would receive a bill from BMW. \n\nA few weeks later I received a bill of XXXX for wear and tear, tires, damage, mileage, and return fee. \n\nThe tires were within the limits, the wear and tear were within limits and the damage was within the circle. \n\nI do not owe what they are claiming.","date_sent_to_company":"2022-04-21T17:51:02.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"91604","tags":"Servicemember","has_narrative":true,"complaint_id":"5478330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2022-04-21T17:21:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"5478330"]},{"_index":"complaint-public-v1","_id":"5473471","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/22 I put in a request thru the Tesla App ( attached ) to terminate my lease early. The original termination date was XX/XX/22, and due to the fact I purchased another car - needed to terminate early. \n\nI received a ( attached ) quote from Tesla that was good thru XX/XX/22 to return with {$0.00} owed. I returned the vehicle to Tesla on XX/XX/22 - prior to the XX/XX/22 commitment date. \n\nConfirmation from Tesla \" Thanking '' me for returning my car is also attached as well as screenshot from the Tesla App showing a XX/XX/22 return date. \n\nOn XX/XX/22 I received an email from Tesla ( attached ) that my \" Early Lease Termination Request was cancelled '', immediately following this e-mail I received another e-mail from Tesla that \" My Payment was processed ''. In addition to the e-mail, Tesla processed a lease payment ( {$600.00} ) against my XXXX checking account ending in XXXX for the term XXXX even though I had returned the car and have documents stating that {$0.00} was due. \n\nI emailed Tesla XX/XX/22 and have received no reply. I also tried to contact Tesla finance, and there is no option to talk to a representative, only \" leave a message and they will call you back '' Based on my terrible experience trying to turn the car back into them ( and their lack of responsiveness in all prior communications to return the car ) - I want to ensure that A ) my {$600.00} is returned as soon as feasible and B ) other consumers are aware that Tesla 's end of lease practices are not consumer friendly.","date_sent_to_company":"2022-04-20T21:23:03.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"5473471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Tesla, Inc.","date_received":"2022-04-20T21:07:35.000Z","state":"CA","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"5473471"]},{"_index":"complaint-public-v1","_id":"5408753","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have an extended warranty o. XXXX XXXX XXXX and XXXX took the warranty claim my request aND NEVER LOOKED AT IT I TALKEC TO XXXX XXXX XXXX IN WARRANTY AND THEY ADMITTED XXXX NEVER LOOKED AT REQUEST FOR WARRANTY REIMBURSEMENT AND THEY STUCK IT IN A FILE LIKE IT NVER EXisted!!!!!!!! Well it does exist I gave XXXX mile warranty on my car and they acted like this claim never existed! XXXX told me fly wheel resurfacing was covered under mbwarranty snd XXXX told me XXXX documented its not covered!!!! Guess what??????? XXXX csm document anything he wants but he told me its covered!!!!!!!!! \nXXXX warranty is a joke Im reporting to XXXX consumer protection bureau XXXX and everyone else snd applying for refund!!!!!!","date_sent_to_company":"2022-04-05T06:11:28.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"5408753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2022-04-05T05:59:12.000Z","state":"AZ","company_public_response":null,"sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease early"]},"sort":[7.312503,"5408753"]},{"_index":"complaint-public-v1","_id":"5139548","_score":7.312503,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am no longer a customer of Ally Financial where I had a new car lease until XX/XX/XXXX. \n\nI received a letter today from Ally Financial dated XX/XX/XXXX stating that I have a summons for an unpaid toll ( date of issue XX/XX/XXXX ). This is the first time I have ever heard of this, and Ally has misquoted the date if this ever happened. It probably happened XX/XX/XXXX, but I never had any information on this. I DID NOT PHYSICALLY LEAVE THE STATE OF TEXAS IN ALL OF XXXX DUE TO THE PANDEMIC, SO THIS IS THE WRONG YEAR. \n\nAlly is threatening me that I must pay the toll now and notify them in 15 days about my intent to pay. That is fine, but I can not locate the toll. I went on the XXXX Maryland site where the toll needs to be paid, and inputted the data provided for the summons, and nothing comes up. Nothing comes up with my license plate or my current zip code, or a previous zip code. There is nothing I can do. \n\nI called Ally on XX/XX/XXXX as instructed in the letter and the first person said that she couldn't find anything on the account around this toll. I told her look again, and she found it. She then said she'd hand me over to the leasing department and that person was not helpful and I told them I was trying to give them notice as per the letter, and she didn't understand. \n\nI've had a lot of problems with Ally Financial ( have already submitted other CFPB complaints ), and this is just another hassle I never anticipated. It's exhausting and I just want some peace and be done with this horrendous and sloppy company.","date_sent_to_company":"2022-01-22T22:15:39.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"77007","tags":null,"has_narrative":true,"complaint_id":"5139548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-01-22T21:59:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Termination fees or other problem when ending the lease early"},"highlight":{"sub_issue":["Termination fees or other problem <em>when</em> ending the lease 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