CFPB Consumer Complaint Profile
Hyundai Capital America
7,228 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 7,228
- Total complaints
- Among the highest
- 1,523
- Last 12 months
- 99.3%
- Timely response
- Above median
- 55
- States affected
The verdict
Hyundai Capital America ranks #82 of 3,843 financial companies by CFPB complaint volume, with 7,228 complaints on record. It posts a 99.3% on-time response rate, the 66th percentile among companies with 100+ complaints.
- #82
- of 3,843 companies by volume
- 99.3%
- on time (66th pctile)
- Vehicle loan or lease
- most-complained product
- 55
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Hyundai Capital America vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.3% Higher than most higher than 66% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 868 in 2024 to 1,408 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 13 |
| 2013 | 47 |
| 2014 | 101 |
| 2015 | 129 |
| 2016 | 145 |
| 2017 | 248 |
| 2018 | 402 |
| 2019 | 331 |
| 2020 | 578 |
| 2021 | 810 |
| 2022 | 833 |
| 2023 | 939 |
| 2024 | 868 |
| 2025 | 1,408 |
| 2026year in progress | 376 |
Complaints by State (Top 15)
Company Responses
Hyundai Capital America Complaint Concentration Profile
Hyundai Capital America's complaint volume is large enough to measure concentration - not just the headline totals. Across 38 named product lines in the stored breakdown, the leading three (Vehicle loan or lease, Vehicle loan or lease, Credit reporting, credit repair services, or other personal consumer reports) hold a 65.8% share of product-tagged complaints. The Herfindahl index on that product mix is 0.187 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Managing the loan or lease, Problems at the end of the loan or lease) cover a 62.0% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Florida, Texas) hold a 36.6% share of state-tagged volume across 55 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 94.9% share among the 7,228 response-tagged complaints (6,860 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (1,408 complaints); the lightest year on file was 2012 (13). From 2024 to 2025, annual volume rose 62.2% (868 → 1,408). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Hyundai Capital America
7,228 complaints against Hyundai Capital America appear in the CFPB record, including 1,523 from the trailing year. The 55 states and territories represented put this footprint in nationwide territory. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Hyundai Capital America posts a 99.3% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 21.9% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 3.2% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Hyundai Capital America have?
Hyundai Capital America has 7,228 total consumer complaints filed with the CFPB, with 1,523 filed in the last 12 months.
Does Hyundai Capital America respond to complaints on time?
Hyundai Capital America has a 99.3% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Hyundai Capital America?
Among all products tied to Hyundai Capital America, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Hyundai Capital America?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Hyundai Capital America - see all issues and counts above.
How do I file a complaint against Hyundai Capital America?
You can file a complaint against Hyundai Capital America directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Hyundai Capital America?
Hyundai Capital America has drawn CFPB complaints from 55 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Hyundai Capital America: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (7,228 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (21.9% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Hyundai Capital America have?
Hyundai Capital America has 7,228 total consumer complaints filed with the CFPB, with 1,523 filed in the last 12 months.
Does Hyundai Capital America respond to complaints on time?
Hyundai Capital America has a 99.3% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Hyundai Capital America?
Among all products tied to Hyundai Capital America, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Hyundai Capital America?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Hyundai Capital America - see all issues and counts above.
How do I file a complaint against Hyundai Capital America?
You can file a complaint against Hyundai Capital America directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Hyundai Capital America?
Hyundai Capital America has drawn CFPB complaints from 55 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.