AS
arash soofi
Dec 31, 2025
My experience with Kearny Mesa Hyundai has been extremely disappointing and ultimately resulted in damage to my credit and over $1,500 in unnecessary charges.
Over the past four years, I have leased and financed four vehicles, so I am very familiar with the process. When my 2022 Hyundai Santa Fe lease ended, I chose to return the vehicle rather than buy it out. During my visit to Kearny Mesa Hyundai, Paul, one of the sales representatives, explicitly told me that if I financed or leased a new vehicle with them, I would not be charged for excess mileage, wear and tear, or a lease return fee. Based on this information, I financed a 2025 Hyundai Santa Fe that same day.
Two weeks prior to these events, I had changed my address, which Paul entered correctly on the new financing application and the lease return paperwork.
However, two months later, I discovered a delinquency on my credit report from Hyundai Motor Finance (HMF)—with no prior notification. When I contacted HMF immediately, I was informed that all notices had been sent to my old address, indicating that the dealership failed to properly update my contact information. As a result, my credit score dropped from approximately 770 to 670.
During that call, I also learned that:
• The dealership failed to notify HMF that I financed another vehicle, which led to improper charges for wear and tear and a lease return fee (these were eventually removed after I contacted HMF directly).
• I was still charged approximately $1,500 for excess mileage, despite being told this would be waived if I financed a new vehicle.
In summary, the dealership made several serious errors:
1. Failure to update my address, which directly resulted in a delinquency being reported to my credit.
2. Providing incorrect information about lease-end charges, costing me approximately $1,500.
3. Failure to submit proper documentation to HMF, leading to incorrect fees and credit damage.
I contacted Paul repeatedly over two months, and he continuously assured me that he would resolve the issue. I followed up almost daily. I also submitted a formal dispute letter to Hyundai Motor Finance requesting removal of the delinquency due to dealership error, but it was ultimately denied.
When I returned to the dealership and asked only for a written letter acknowledging their mistake to support another dispute attempt, Paul again assured me it would be provided. After two more months of follow-ups, he stopped responding entirely. When I escalated the issue to his manager, I was told that the dealership did nothing wrong and would provide no documentation or assistance.
The lack of accountability, follow-through, and basic customer care is unacceptable—especially when their errors resulted in financial loss and lasting credit damage. I expected far better from a dealership representing Hyundai.