Kia Finance has been a nightmare. "customer service" hangs up after you've waited hours on hold, days in a row. When they finally answer and don't initially hang-up, they transfer your calls to 5 different departments then hang up again, but not before you answer the same questions you answered with the last 4 representatives and not before you give a run down of what you're calling about just like you did with the last 4 reps, only to be told they can't answer the question you didn'task.
They DO NOT listen to your needs, even after you repeat them 5 different ways. They refuse to actually hear what you're saying.
Their site won't allow me to make payments on my 2 Kias after I've been leasing & making payments online for 8-yrs. Instead of attempting to correct the issue they charge me $7 × 2 to make phone payments. Now I have to do it again this month bc their online payment feature is not working for me still. There is no person you can talk to that doesn't have a super thick accent that is very difficult to understand when the connection is always fuzzy due to what I assume is because they transferr their calls to another country. Fuzzy connection or thick accent, pick one, not both because both make accomplishing anything nearly impossible.
At one point they falsley claimed I didn't make my final payments on my first leased Kia's but the cars were traded in one month early so no there were no payments due on those cars. The false claim prevented me from buying a house that year, literally. No preapproval until the mark was removed from my credit. It took me a year to get it off credit with VERY little help from Kia Finance. A year of fighting. All that time and energy towards something that never was. No apology no compensation. Nothing but headaches.
Another time they charged me a dollar more per payment than agreed upon with the dealership but they did it at a time that was last minute and I couldn't do anything about it unless I wanted to be without a leased car until it got solved.
The last two payments I made over the phone I had extra fees listed...I had to pay $24 extra, per car, but no one could tell why but they could tell me that if I didn't make payment in full, mystery fees included, my accounts would be considered past due & reported.
Date of experience: November 26, 2023
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Kia Motors Finance has a rating of 1.1 stars from 299 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about Kia Motors Finance most frequently mention customer service, auto pay, and business days problems. Kia Motors Finance ranks 65th among Loans sites.
I pay my car payment weekly you cannot set auto pay up for doing so which would be very convenient.it does give a week to week breakdown of payment of intrest and principal and only takes 2 days for draw from bank.
I would like to share my extremely disappointing experience with Kia Finance, a company that, in my opinion, provides the worst customer service imaginable. The employees are uncooperative and refuse to engage in meaningful communication. They pick and choose which questions to answer, often ignoring the most critical ones. Additionally, I encountered multiple instances where they attempted to provide false or misleading information, which made me feel deceived. Even during the contract signing process, they were already engaging in dishonest practices, misleading creditors and hiding important details. It's shocking how little they care about transparency or treating their customers fairly. Instead of offering help or clarity, they seem more interested in manipulating the situation to their advantage. I would not recommend Kia Finance to anyone seeking an honest and reliable financial partner.
Have tried for 3 months to get copy of title to get plates from out of state. Have faxed everything they need but still NO ACTION! Called for 3 months an always told its in the works. Finally called in Aug an now say they have nothing on it! Jow hard is it to change last name, due to divorce an get copy mailed to me an BMV? TOTAL CRAPPY SERVICE an ready to trade car so can get done! On fixed income so can only do 1 time a month. Sick of having to pau $18 for temporary when others dont do there job! TOTALLY UNACCEPTABLE AN HAVE NO WAY TO CONTACT since no one at customer service if truthful! How bout I dont pay till j do simple job for me? RIDICULOUS an do not want to get pulled over due to your stupidity! Going to dealership tomorrow an better get help cause will NOT TELL ANYONE to buy Kia since no one seems to b able to do SIMPLE task! Really give no stars cause worse ever seen!
Date of experience: September 23, 2020
I've only written reviews if I felt something wasn't right! Today I had an anxiety attack trying to get my car into good standing, Customer care Literally lied to me about making payment And agreeing to work with me to get caught up, I give Kia motors my RENT money After they agreeing to work with me they stated could you make more payments ( l literally started crying) because it's hard for me I couldn't believe they lied to me, they asked if I could call family members I told them that's who helped me come up With half I can't keep asking them, I haven't been being in the same amount of money I did before Covid. That really pissed me off because, you can only get one payment agreement and they clearly don't give a damn about a pandemic! If you don't follow up with them about agreements you will end up like me. I really hate I have a car with them
Date of experience: October 6, 2020
1 Star, because -5 is not an option. I bought a KIA 3 months ago in Indiana as a Texas Resident. Because I still had an Indiana license (I am military) the dealership would not title or tax my car in Texas. I paid the extra. 25% in taxes to Indiana. But have been unable to plate my vehicle. The Texas Vehicle tax office requires the title to be sent. I am now on day 40 trying to have KIA release my title to no avail. I have called, emailed, filled out on line forms (3x). No help. So today I called in, again. Apparently they have not processed my payment that was due yesterday. (I have the bank tracking confirmation). So when I tried calling customer support some asshat in collections is demanding payment. Several times explaining it was sent, I see the tracking, he does not care and refuses to connect me with the title department until I make another payment with him. I demand a supervisor, he refuses. I start to get heated and demand an "Fing supervisor". He threatens to hang up on me if I use profanity. I explain that I am the customer, and that KIA has been awful and I want to speak with a supervisor. "Luis" refuses again, and I about lost it. I ended the call with no resolution.
I would gladly pay an extra 2% interest with another bank that cares about its customers.
Date of experience: September 14, 2022
I decided to help someone pay a downpayment for a 2019 Kia Sorrento, thinking it'd be the right idea and right time. I even helped them receive a better financing rate, only to be ridiculed about my current part-time job while doing so. Yes, I know, my mistake to co-own a vehicle with a complete "B" word.
To make the story short now, the finance rep. Who we dealt with (name really irrelevant in the sense of the very real story and the point of the story) came back to us and said he does not know who will be financing us. At first, that caused an alarm and I asked if caller ID would be available and they said it should. The call did come, and of course no calller ID. And, the name of the financial institution was not Kia Finance or whatever it is supposed to be - apparently Kia financed us.
And to conclude, the owners of the both Jenkins Kia and Kia Finance have no responsibility to improve their image or customer service. So I totally agree with all the bad reviews here. In fact, I would go so far as to say the co-owner of the Kia Sorrento is also a legal con artist and engineered the con with the dealership and the finance department. How convenient, the one with a better credit score and better character ends up paying for a vehicle that he does not even drive.
Date of experience: November 13, 2019
For the record before you read this I have been a Kia Finance customer for almost 3 years, great credit, and never missed a payment.
My 2015 Kia Forte was totaled in an accident that wasn't my fault over a month ago. I still can't get my account paid off because My insurance is waiting on paperwork from Kia that has been requested FOUR times over the last month so they can send the check. Every time me and the insurance call we get different excuses that the request was cancelled, it will go out tomorrow, it's been sent, and after all that I get told it hasn't been sent because they need paperwork from the insurance that was sent weeks ago. An absolute nightmare dealing with them. Say they can only send faxes, no email, and they take 7 days to go out. Ask to talk to a manager and they just cut you off and try to rush you off the phone. Talk to that persons manager and I explain things to her and she just says NOTHING at all. I finish talking and it's just a long 45 seconds of silence until I say something.
They have told me I will still have to make a payment this month and likely next month until they receive the check and the difference from the gap insurance which takes 21 business days to close a claim. Oh and they can't start working on that claim because they need a copy of the check which can't be sent until Kia decides to send letter of guarantee to my insurance.
They had no sympathy for my situation or the fact that I have to start making payments on my new car. No sense of urgency to try and resolve the issues. All they care about is getting their money.
Date of experience: August 9, 2017
Can't wait to get rid of this car and never use Kia again. Had my account on auto pay which worked fine every month until one month it randomly didn't hit my account. I waited two days and decided to make a manual payment assuming auto pay had somehow been deactivated. Then of course, the next day, auto pay hits and I'm charged double for the month. I call Kia and a supervisor suggested I call my bank and do a stop payment. I did that and my bank said they would have to do a stop payment on both. So I did that and then logged back on to try and make another manual payment. My account was locked and the only way to make a payment was to call in and pay a fee for a person to take my payment over the phone. I refused to do that and sent in a check. They claim to have never gotten the check. I called relentlessly to talk to a supervisor who might be able to help me resolve this issue so I could put my account back on auto pay. 3 months go by and no supervisor was ever available or ever called me and the brain dead droids they have taking payments couldn't seem to comprehend my issue and certainly could not help me. I've had numerous people talk to me in a condescending way, hang up on me, get a straight up attitude with me. My credit is affected, I have all these fees, and this all started with their $#*!ty system and advice. I have spent months trying to resolve. I hate them so much. Just a club of clowns.
Tip for consumers:
Find a better company
Date of experience: January 26, 2022
KMF is the epitome of deception, and king of shady business tactics. The manufacturing division has much to be proud of; but they need to jettison their finance arm and quickly. Two months before lease end, KMF after years of recognition on line of my checking account decided to not process my profile online payments (after a stellar payment history spanning 3 vehicles since 2010) in order to rack up superimposed late fees and transaction charges through their SpeedPay and Western Union surrogates. They have ZERO integrity and have willfully ruined my excellent FICO and good credit scores, while ripping me off. Seriously considering starting a class action lawsuit! TRUTH IS THEY DESERVE LESS THAN ZERO STARS!
Date of experience: August 9, 2020
I have always paid all my bills on time, and as well my Kia payments, however since COVID Kia has not mailed or emailed any statements, although i was on auto-pay, however, last month payment was not set up and I missed it during COVID, spoke to Kia, and they would not wanna remove it, now after returning my car, I was waiting to get my final statement, but never got them, so I kept on calling them, didn't wanna get another late payment report, they promised to mail or email, however, I still have not gotten any final statement, only an alert of a late payment again from Kia Motor, that was it, never again use KIA, stay away, and I did send a letter to Kia asking to change the late payment report, they refused to change it, bad habit, bad customers service, STAY AWAY FROM KIA.
Date of experience: August 21, 2020
My experience is similar to that of others that have commented here. I did a lease buyout six weeks ago and they took my money on that day and I was told i would receive my title in 7-10 days. The title never came and i have called twice since and the agent tells ne that the title will be sent out the next day and evidently could not care less about the situation. The supervisors are utterly unhelful and bizarrely rude as if it is me that is the wrong. On what of the calls, when the agent was putting me through to her supervisor, I heard her calling me a f**ing a***ole when she was explaining the situation to him. The supervisor simply denied that it ever happened and did exactly nothing to help the situation, refusing to tell me how I would go about ecalating the situation.
They have my money and despite telling me that they are sending it, won't give me the document that proves that i own the car. There must be some legal recourse here as this is downright dodgy that so many people have had the same experience.
Date of experience: September 1, 2021
My husband and son leased a car from KIA 4 years ago. We bought out the lease. KIA said they sent the Title to PNC. PNC never got it. THAT WAS A YEAR AGO! We have been trying to get KIA to send a lean release for a YEAR so we can get a copy of the title. FOR A YEAR! The registration is now dead and has been dead for 4 months, because my son moved and needs to register the car in a new state and he can't without a copy of the title! THEY ARE THE MOST UNPROFESSSIONAL BUSINESS EVER!
Date of experience: August 12, 2022
I leased a Kia Soul from Jim Butler in Chesterfield MO, When the three lease was up in July of 2020 I decided to buy a Dodge van. I promptly returned the car after I had the car professionally cleaned. I returned the car in mint condition. I was billed within two or three weeks after turning in the car for the final amount. I was later sent a bill for $2800 because of over miles and a $400,00 turn in fee. I was also charged another $65.00 for wear and tear. I felt like I was nickel and dimed, but I went ahead and paid everything off as that was marked the final amount due. I thought I was finally done with the charges for this vehicle since I paid the final amount marked due in Sept 2020. Today 12/14/20 I received a bill from Kia for another $246,33 for taxes on the car from 1/1/20 to 12/31/20, When this car was turned in I was never told about any taxes that would be due in December, especially on a car that I have not had since the middle of July. I called Kia today and spoke with one of their customer service representatives who basically said they paid the taxes and now I owe them $246.33. So in addition to what I already paid them in September on a bill that was marked final amount due, now they are telling me I owe them an additional $246.33 of which there was no mention of this when the car was turned in and when I paid the final bill. I feel like I was totally taken advantage of and ripped off. Customer service was no help in this matter!
Date of experience: December 14, 2020
I moved from Ct to SC back on September 3 and have now been trying for over three months to obtain a copy of the Title and a limited power of Attorney so I can register the 2019 Kia Sportage. I have called over a dozen time and emailed over 6 times. I have been told I needed their permission to move, lied to that they mailed the 2 documents directly to SCDMV and had a so-called supervisor lie to me saying they mailed the documents to my home that was over 10 days ago and still no TITLE or POA. It is beyond belief that this company can be allowed to operate with this degree of stupidity and I can't believe that the different State DMV; s allow this to happen. I will now have to pay a penality because the vehicle was not registered within 60 days of moving to SC. I will file a complaint with the two DMV's(Ct & SC) for all the good it will do. I have bought over 5 new Kia"s but will NEVER EVER buy another one after this experience!
Date of experience: December 11, 2021
This is the worst financial company ever. 1 person says account current then they repo your car. Every review on line is exactly the same issues with my car and the car I have with my granddaughters car. WHICH BY THE WAY THEY SAID I DIDNT HAVE AN ACCOUNT THERE. BUT REPO'D MY NON CAR..
Date of experience: June 30, 2022
KIA finance is a best finance company for financing your Kia vehicle, I have got so much information about KIA finance on this website https://moneyzeg.com/kia-finance/ and I made decision to go with KIA finance.
Date of experience: July 22, 2023
Was charged a maint. Agreement on purchased 2020 Telluride after declining. 9/27/19 Bev Smith Kia sent the refund to KIA Financing not me, by this time I refinanced the vehicle.On 10/1 check posted on Kia Finance acct, 10/7 it was cashed by KIA Finance, told by KIA finance on 10/28 I'll receive my refund in 30 days, on 12/2 I was told 5-7 days, on 12/13 told 2-3 weeks, on 1/6/2020 told they have to send another email reminder to payment processing.Won't cc me on email or give me phone number to payment processing department. What a bunch of Sh1t, don't finance with these liars.
Date of experience: January 6, 2020
HORRIBLE HORRIBLE company! I will NEVER purchase a Kia or Hyundai ever again!
Purchased a Sedona in July 2014... made all payments... one Saturday in February 2015 at 6:33 am our van was there... at 8:30 it was GONE!
Tried calling everyone... nothing could be done because it was a Saturday. Well you took it on a Saturday! Finally on Monday we could get some info. Their paperwork was WRONG! They had mixed up payments that we made on line.
In order to get it back we would still have to pay for the repo fee (no reason to repo) as well as any storage fees from Saturday to Monday (total almost $300!) In addition to having to "reapply" (ummm... you took it for no reason!) and that may take up to a week... and more storage charges! It would have taken almost $2,000 to get back a car that never should have been repoed!
This was the most ridiculous situation ever! HATE THIS COMPANY
Unprofessional is an understatement! Can't believe the can get away with this
BTW- we didn't want the van back after all that. No way was I going to pay all those fees... besides there were all kinds of issues with the van (windshield leaked, made a weird noise) They also didn't have record of the maintenance package we purchased, would not do a new inspection. Although this was a new car it became obvious it was on the lot for some time and they were eager to be rid of it.
Date of experience: March 28, 2015
I bought a 2021 Kia Soul last November. I also purchased a Gap Policy through Kia when I bought my vehicle. The Soul was totaled in January. I had the vehicle less then 2 months when it was totaled. I have already purchased a new 2021 Kia Sportage. I greatly regret purchasing again through Kia Motor Finance. My Gap claim has still not been processed due to Kia Motor Finance not sending them the needed documents. I have called over eight times and still the paperwork has not been submitted. A representative from the Gap company even called today and Kia is still not addressing the problem. In the meantime I am still obligated to pay my payments in full on a totaled vehicle. Their customer service team is rude and not at all helpful. When I asked to speak with a supervisor they told me their was no supervisor for me to talk to and no one to help me! I have never had such poor customer service from a finance company. I defiantly do not recommend Kia to anyone. This is terrible because the Kia dealership we went to was amazing and my family has purchased 5 vehicles from them now in the last 3 years. Not anymore. We would have been lifetime customers.
Date of experience: April 2, 2021
I purchased Gap Insurance on my 2014 Kia Forte when I purchased it new. 5 months ago I was in an accident (not my fault) and my car was totaled but I still owed a few years of payments. 5 months of waiting on Gap to finalize the paperwork on my car, I am being told that since it took so long for the payout to be finalize, I OWE an additional $2,898.75 because of what was quoted was the payout at the time of the accident, additional payment dates have passed and I OWE THOSE PAYMENTS! My auto insurance paid in a timely matter, all my payments were made on time, WHY CAN'T YOU? After continual calls to Gap Ins,, speaking to Associates', today I am told that I did not respond to their letter sent to an incorrect address via UPS, it is not their problem.
KIA you screwed up! I was in contact with you! No one said anything about returned mail! I was asked my name and birthdate to verify me, why not ask address? I asked why the payment was not made, WHY was nothing said? I made at lease 20 calls, each time, I asked what the problem was. I was told These things take time.' Your account is in process of being finalized.' I say BULL SH**! You want more money! Horrible company! Horrible business practices! I will tell anyone and everyone about how horrid you are!
Date of experience: August 8, 2018
Kia Motors Finance must train its employees to make things up out of thin air. I was told the title was put in the mail the day after my car was paid off. When it didn't arrive within the time frame given, I called back and was told that was a mistake. It wouldn't be mailed until 10 days after it was paid off. That date came and went. I called back and was told it would go out 3 days later. That date came and went. Then I was told it was Fedexed the day after however they could not give me a tracking number and that I should call back 3 days later to get one. When asked each time I called for a call back to get the details on when and how it was sent, I repeatedly was told that no one could call me back. One manager said they would call me back and never did. I have spoken with 5 different managers and at least as many regular employees. They will not send anything in writing nor will they call back. At one point I had a regulatory agency in NJ do a conference call with Kia Motors Finance. We were disconnected and did not receive a call back. In the era of Trump, the "truth" is the lie of convenience for that minute. To date I have not received the title nor have any way of knowing for certain if it was ever sent.
Date of experience: August 23, 2019
If you want to talk to a decision maker on how to address and fix an issue, they ask you to write to a PO box. Customer service is useless. Email box or over the phone department that deals with this type of issues - does not exist. Customer service can not connect with a manager or anyone who is in a decision making position to address and fix a financial/autopay issue. Specifically, if you enter autopay info incorrectly, they will put you into "penalty box" for min of 4 months. They will charge late fees, even though you specifically asked them NOT to charge the wrong autopay info. You must pay late fees they charge before you can do autopay correct setup. Apparently, customer's request to disable the autopay was not addressed at the beginning and they blamed the customer for not communicating with them clearly. You can not fix the issue over the phone either. I am still calling to pay monthly fees... for the last 8 months and after 20 phone calls, the customer service does not have an answer how to fix the issue. If this issue needs to be address, only PO box mailing a letter must be done. Last week, customer service gave a phone number to call. Apperanetly, it was HQ # in Atlanta. It was a wrong number. When googled HQ phone number, it was a completely different number and when called, they do not accept or review any complaints for Kia finance, they transferred me back to Kia Finance. It is a shame, the company does not take this seriously. Such a little thing to ask to address. Kia Finance completely ignoring the customer and any best practices in how customer service should be functioning.
Date of experience: July 17, 2022
MY ORIGINAL PAYMENT WAS i THINK $ 452.00 OR $ 456.00, I'D HAVE TO LOOK BACK AT THE ORIG PAPERWORK. I PAID A STRAIGHT $ 500.00 PER MONTH AND WHEN i STARTED QUESTIONING THE EARLY PAYOFF, THEY ACTED LIKE THEY NEVER SAW ANY EXTRA PAYMENT. MINE WAS SETUP ON 72, THEN CHANGED O 75 MONTHS, FO=IRST BIOB KING KIA RIPPED ME OFF ON HE PRICE THEY ADVERTISED, THEN KIA GOT ME IN THE LONG RUN ALSO. I PAID ALMOST $ *******.OO $37 SOMETHING FOR A BASIC 2015 KIA SPORTAGE BOB KING ADVERTISED FOR UNDER 20,000.00, NO SPECIAL EQUIPMENT, INCLUDED MY 2010 NISSAN. I TRADED IN. I TRIED A COUPLE A TIME AND NO ONE IN CUSTOMER SERVICE WOULD HELP. I MAY STILL TAKE MY PAPERWORK TO A LAWYER FOR HELP.
Products used:
2015 KIA SPORTAGE
Date of experience: January 17, 2023
They are absolutely the worst company out there! I sent in an extra payment to be applied to principal only and they took interest out of it. I call and they keep saying they reversed it yet it hasn't changed. Then I had one supervisor say that they have to take interest out. Are you kidding me what an idiot I have been making extra payments and NONE of them had any interest taken out hence PRINCIPAL ONLY PAYMENT. With their inability to resolve this issue over the past month I sent in my next months payment (may) and it was taken out of my account and it was on their site yet two days later the payment somehow disappeared out of their system. I called and they magically found it yet it didn't get applied to my May bill. It's just a floating payment. Like WTFFFFF! So it still shows that I owe the full amount for May. I call them and they say my account is current everything is ok then I asked, so what does your screen say is due May 8th? The response is my full payment. I then asked why the payment I sent was not applied to my May 8th bill. They have no clue! I am not sending these dam scam artist any more of my money until they resolve all the missing and incorrect payments. And I am looking to refinance just to get rid of these idiots that only want to steal your money! Do not do it take your hard earned cash elsewhere!
Date of experience: April 24, 2019
My car was totaled in nov of 2018 in an accident that was not my fault. I put 17,000 dollars down on the brand new kia stinger and had a buyout quote of 34,743 at the time of the accident. My insurance company cut kia finance a check for 45,150 on 12/18/2018 and it is now march of 2019 and i have still not received the overpayment check from kia and they have not closed out my account. I have called more times than i can remember and i have gotten everything from them telling me that they did not receive a payment to them telling me that they wrote a note to et it started that day and it never ends up happening. Every time that i called i had to explain the situation for the first time all over again because nobody was putting notes on the account and they all told me the same thing that maybe the payment was lost in the mail and that they are just seeing it on the day of the call. This has been the worst experience of my life with a financial company and im probably going to be losing out on a substantial amount of money and even moreso now that kia has taken over 3 months to close this account out. I would never lease/buy a car using kia finance or recommend it to anyone. I usd to love kia vehicles but at this point i honestly dont think i would even purchase another kia given that this service has been acceptable to them.
Date of experience: March 6, 2019
I had a name change. KMF said I had to send them my divorce decree to prove my right to change back to my maiden name. I was not happy about sending such sensitive documents through the mail to a financial institute I knew nothing about. After 3 weeks and still no name change I called them and they claimed they never got the papers. I put a return address on the envelope and they papers were never returned to me. I told them they needed to find them and they refused. I called several times telling them to find my papers. Finally, I talked to someone who suggested I fax them. I did that and they still claimed not to get them. I talked to the fax company I sent them to and they said they were sent. The fax company offered to send them again and KMF still said they didn't get them. They refused to look. Every time I talked to them they were rude, inconsiderate, lazy and obstinate! The man I dealt with most of the time got big satisfaction out of being an $#*!. That was 3 years ago and it is still not changed. I have gone to Metro Kia Madison where I bought the Kia and they will not do anything to help. I WILL NEVER BUY A KIA AGAIN! I only bought the Kia because it was an interest-free loan.
Date of experience: October 21, 2019
I'm lost for words. This company is the absolute worst. I have a Honda Civic si 2013 payed cash 13.500 blessed the best i love it $#*! kia
Date of experience: October 24, 2019
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