CB Car Dealers Hyundai Complaints #2-21

Hyundai review: Yo Yo Scheme

Cj.. of US

Jul 08, 2026 5:13 pm UTC

Verified customer

Featured review

On 6-27-26, I signed a fully executed Retail Installment Sale Contract with Hyundai of Mobile to purchase a 2024 Hyundai Elantra, with disclosed terms of 21.21% APR and $500.63 monthly payments beginning August 11, 2026. I took delivery of the vehicle in good faith.
Days later, I was contacted by a manager at this dealership requesting I "come in" for an emergency to fix brakes, and my credit report showed additional inquiries after the contract was already signed. I had already called the lending company to make a payment, and they advised that they were not doing business with Hyundai, and returned the contract. Hector was aware.
Instead of properly notifying me in writing that financing fell through and working to resolve it through alternate financing at the original terms, as is standard practice, the dealership manager, Hector Espinal, began calling and texting me repeatedly, made an unsubstantiated accusation, and threatened me by phone with "bank fraud," despite AmeriCredit not being a bank and never having funded the loan. He also told me the vehicle's brakes needed to be replaced as a pretext to get the vehicle back in, with no documentation of any actual safety issue.
This manager told me directly that there was a major sale event that month and that he needed to meet his sales quota, and stated he was "good at what he does." Given that statement, any misrepresentation made to get my financing approved in the first place appears to have been made by the dealership to close the sale under pressure of that quota — not by me — and it is not my responsibility to absorb the consequences of that now that they want the vehicle back.
The dealership then sent a formal demand letter requesting the return of the vehicle, despite my not being in default on the contract and my first payment not being due until August 2026.
This matches a well-documented pattern known as "yo-yo financing" or "spot delivery," which the Federal Trade Commission has identified as a deceptive practice: dealers deliver a vehicle under a signed contract, then attempt to unwind or renegotiate the deal after the fact using pressure tactics once financing falls through.
I have sent the dealership a formal demand letter requesting they cease phone contact, communicate only in writing, and either honor the original contract terms through replacement financing or provide the specific contractual basis for reclaiming the vehicle.
I am posting this complaint to warn other consumers considering financing through this dealership to get everything in writing and be aware of this pattern of conduct.

Claimed loss: No direct monetary loss has occurred yet. The harm is ongoing: repeated unauthorized credit inquiries, harassment, false accusations, and the threat of losing a vehicle I lawfully purchased under a signed contract.

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Hyundai Contacts

Hyundai phone numbers

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58%
Confidence score

Russia

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67%
Confidence score

South Korea

+1 (888) 216-2626

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Canada

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New Zealand

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Belgium

+45 76 322 000

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Denmark

+358 207 997 700

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Finland

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France

+49 692 714 720

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Germany

+39 238 058 600

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Italy

+31 252 240 340

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Netherlands

+47 22 706 000

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Norway

+351 218 548 300

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+34 902 246 902

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Spain

+46 850 605 006

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Switzerland

+90 216 581 0012

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+86 106 261 3899

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India

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+81 362 343 550

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Japan

+60 377 338 337

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Thailand

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Vietnam

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Brazil

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Chile

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Mexico

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100%
Confidence score

Customer Service

More phone numbers

Hyundai emails

css@hmausa.com

100%
Confidence score: 100%

Support

accessibility@hmausa.com

100%
Confidence score: 100%

Accessibility Concerns

globalpr@hyundai.com

90%
Confidence score: 90%

sales

ipinfo@hyundai.com

87%
Confidence score: 87%

support

sjcar@hyundai.com

86%
Confidence score: 86%

More emails

Hyundai address

5040 NW 7th St, Suite 690, Miami, Florida, 33126, United States

Hyundai social media
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Jul 12, 2026
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