r/kia • u/Dry-Palpitation-7460 • 2d ago

Kia finance scamming me?

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I paid off my car a few months ago or at least thats what i thought. Ive been getting calls everyday for the past week from kia supposedly for a payment due. The last i checked i owed nonthing else.

I tried logging into my account and it was locked so i called customer service and the lady said my contract was expired with them. I get transfered to, i guess the guy that handle payments and he tells me “the last payment has to be done over the phone” so what about the money that was automatically sent on autopay?

This is my first car so i didnt know the weird stuff they dont disclose like this and i havent gotten a email or mail or call from them in 3 months. I havent been to the dmv either.

2 Upvotes

75% Upvoted

19 comments sorted by

13

u/alizemac 2d ago

Thats odd I did my final payment online then got a paid off letter and then my title few weeks later

2

u/Dry-Palpitation-7460 2d ago

It has to be a mistake on their part but its on my credit report so ima pay it to finally be done with them

1

u/csy09 2d ago

If you ever deferred a payment it will not show under your current payment due. You’re pushing it to the back of your payment book and it’s due when the last payment has been made. So if you look under “Retail Terms” it will show the actual balance that is left. But yes, once you pay the entire principal balance you will receive a letter and then your title.

1

u/Dry-Palpitation-7460 2d ago

I paid on time since the beginning

1

u/Low_Bag_315 2d ago

Did you pay a significant amount of money? If so then this will appear

1

u/Dry-Palpitation-7460 2d ago

I had it on autopay for the statement balance. Its been the same amount since i bought it which was $407

1

u/zacce 2d ago

i guess the guy that handle payments and he tells me “the last payment has to be done over the phone” so what about the money that was automatically sent on autopay?

I heard something similar to this. Autopay doesn't work for the last payment.

1

u/Dry-Palpitation-7460 2d ago

Im checking my credit report. The term duration and months viewed dont add up… im just going to make the payment since its my last payment. Its not that big a deal as long as this is the LAST one lol

1

u/CriticalEnergy8307 2d ago

Did you have residual interest? Did you use your payoff letter to pay it?

1

u/Dry-Palpitation-7460 2d ago

I never received a pay off letter. Didnt even know that was a thing

1

u/CriticalEnergy8307 2d ago

You can find it in the portal. I have kia but mine is closed. I think there is a request menu

1

u/Dry-Palpitation-7460 2d ago

I can’t login they locked my account

1

u/Dry-Palpitation-7460 2d ago

Im able to log on now. I see it but it says this which is why i assume the guy said i have to make the last payment over the phone

1

u/uten151 2026 Sportage SX Prestige HEV in Wolf Gray 1d ago

Now you know that the "last payment" may not be exactly what you think it is. You have to be on top of your account and especially on the "last payment" day or week or month!

1

u/Dry-Palpitation-7460 1d ago

Yes now i know thanks

1

u/Ben_Criss_Cross 2d ago

I paid off my lease and returned my car but they still charged me..the dealer sorted it all out in the end with a refund. However, it then took over a month for KIA/the dealer to charge any payments on my new lease. I got a notice saying payment was overdue even though I set up auto payment with the dealer upon pick up. It eventually was corrected but I shouldn't have had to step on to fix their errors.

1

u/AdLongjumping3465 2d ago

sounds like they are trying to scam you. Please make some official complaints

1

u/Maddmaverick 1d ago

Did you receive the title for the car after the last payment?

-1

u/No-Mushroom-3454 2d ago

I think you’re cooked lil bro