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.

My first advice would be to never ever ever use Kia Finance. I traded in my Kia Stinger on March 26,2023 and Kia Finance tells me they received the payoff on March 31st, 2023. They were taking a payment out of my direct account on March 31st which I called and asked them not to do. The rep said they wouldn't take it out, but they still did. It has been an absolute nightmare getting that one payment refunded to me. They wouldn't put it back into my account as that's not their policy. Instead they send out a paper check which I should receive in two weeks to 30 days. Of course it didn't arrive in 30 days so I called them. Guess what they said. It must have got lost in them mail. Total BS. I confirmed the address which they already had correct. So since then I have called in multiple times and nobody knows what they are doing. On May 12th they tell me they will have to re-issue a check. I called on May 24th and they tell me they sent a check back to the dealership on May 13th. Now I call the dealer and I'm told that's not how Kia Finance does it. They send it directly to me. Well they didn't. Instead they sent it to the dealer and I provided the check number and the check has already cleared so I am waiting to hear back from the dealership on getting me my refund.
>>>I did just hear from the dealership and they found the refund and will be mailing it back to me.>>>
I did get a loan on my new vehicle and praise Jesus it wasn't through Kia Financial. In all honesty because of the difficulty with Kia Finance, that reason alone should steer anyone reading this away from ever purchasing a Kia. I feel bad for the dealership, but Kia Finance reflects on the dealership and leaves the dealership high and dry.
BOTTOM LINE-DON'T USE KIA FINANCE NO MATTER WHAT!

This is the second car I have purchased from them. It took them almost 2 months to pay off the $2,000 I still owed on the last brand new car I bought from them that I used for a trade in. My temporary tags expired and I was unable to go anywhere for fear of operating an unregistered vehicle. I am self-employed and missed out on a couple of opportunities that would have paid well, a funeral, and a trip with my son. The dealership even tried to help me but on several occasions would leave them on hold for 4 hours and when I try to call kmf USA it sent me to the collection department. They were calling me just about every day asking me to make a payment on the car that the dealership had already been approved to assume financial responsibility for. There is no supervisor you can talk to at kmfusa they tell you that one will call you back but then the same person calls you back and tells you that they are the supervisor LOL. Unless on two different occasions the rep I talked to in the supervisor had the same name. They ruined the first part of my summer and insulted my intelligence and to top it all off when I paid my first payment I paid extra on the principal and when it showed up on my credit report as only paying less than half of what I actually paid they explain to me that my interest would not change no matter how much extra I paid it would only reduce the time. I asked two different people hypothetically if I owe $20,000 and paid $10,000 how much money would I pay an interest every month after the fact and the number was the same.

If you cannot get a loan through a traditional bank or someone other than kmf USA do not buy the car. There is another finance company currently in a class action for similar practices and they are heavily vested in kmf USA. I can't remember the name but if you Google 52 million lawsuit being paid by crap car financing company I'm pretty sure they pop up and if you do your homework you will see they are actually tied with kmf USA.

I mean it. No matter how bad you think you need a car. Find another way do not go with them and make sure the dealership understands you would not like them to run nine hard inquiries on your credit to try to quote find you the best rate quote. Your credit score will be terrorized by the mass Harding queries. I told mine straight up I did not want that to happen but they did it anyway so you might even want to sit there with them when they do it. They need to understand if you can't get a traditional loan they need to talk to you first instead of wanting to sell the car so bad that they just keep running your name until one approves you. My credit is not terrible but my file is not very heavy and I paid the price for it in more ways than one.

If you are reading this and have been through the hard queries spam like I was you can dispute it with the three credit bureaus and I recommend that you do so. I don't know about anyone else but I never signed a paper allowing them to run my credit via hard inquiry unlimited times.

Back to kmf USA because I don't want to totally get off topic. They're also rude and inexperienced I mean there is absolutely nothing good about them. Customer service has went to hell over the last couple of years in general so I just kind of expect substandard customer service with just about anything that involves making a phone call but I'm telling you as a director of operations that has had many dealings with many different companies on multiple occasions there is absolutely no one I have ever dealt with worse than kmf USA. And kmf USA if you are reading this instead of getting salty maybe embrace the opportunity and decide that it's time that some things change. Set yourself some smart goals for customer service improvement measure them after confirming their realistic and make them time bound. No you're not going to change your customer service rating overnight but with some diligence and a culture change in the workplace as well as some added integrity in the structure of your loans you can probably move mountains if you wanted to.

Shame.

Oh yes one more thing according to their free credit report that they offer on your account I have an $846 credit score which led me to attempt a refinance and a couple of other things that I got turned down for and my friend who is an accountant was baffled.

Turns out I do not have nor have I ever had anything close to an 846.
Their software apparently does not work or there's a serious discrepancy on mine and customer service cannot help me with that either by the way.

I looked yesterday and also still have a balance on my 2016 that the finance company agreed in writing to allow the dealership to assume financial responsibility for the remainder of the balance two and a half months ago.

Just waiting to see a bad mark on my credit report after never being late or missing a payment. Okay I think I'm actually done now I hope this information is helpful and I hope it stops somebody else from being misled or taken advantage of.

This has been my finance company for almost 15 years. I have never had an issue. On March 25 I called in and made 2 payments for Feb and March. Fast forward to May 15th I called in to make April's payment and the rep said to me good thing you called because your 3 payments behind (feb, March, April) your account is in repo review. After being so taken back I asked her why? How am I behind for Feb And March I paid those payments! She said that went to pay your taxes. Back up! How did I give you the approval for this!? Please listen to when I called in in March and that I never said that money should go to taxes! This company made me basically put me in a hole! She advised me that they sent a letter out 1st of the year to THOUSANDS of customers explaining how your money would be allocated and applied to the tax you owe. I NEVER received that letter! The rep said to get you out of this you need to pay $959. I said I don't have the money I can make a partial. So after that whole fiasco we made an arrangements for me to pay the remainder but I would be still behind on payment. So after being in a cloud of shock and confusion, I called them back again because I'm thinking this is not right for them to pull this during a national crisis going on! Called rep 2 she told me too that a letter was sent out notifying customers, I DEMANDED to see this supposed letter she threw me on hold for 15 minutes and came back and said oh I'm unable to generate the letter for you, it's gone but it was on our website. I said okay, show me where it is navigate me and I'll look, she said oh sorry they took it off the website! I'm fuming at this point! My call got disconnected when my phone died, so I called again and spoke to rep 3 from sounded another country, and I had to explain everything again and I demanded to see that letter and speak to a supervisor NOW. She put me on hold for 10 minutes and came back on and said she couldn't send me the letter. I said I want a supervisor again! Stop trying to not transfer me and play me! She transferred me to a nice gentleman who was a senior rep. He was very honest with me and confirmed that management did change the policy to have the money applied to taxes owed when you make payments. He confirmed that there was NO letter that was sent to customers regarding the new change and that they were having a huge influx of customers calling and complaining. He also stated that he didn't agree with the decision management made during this pandemic we have going on. He was going to submit my account to be looked at by management and that I have to call next week and they will have the money I payed to be applied to the payments accordingly. We will see about that. I just wonder how many people are going through this-you think your making your payments and your money is being applied to something else and if I didn't call would my car be missing on day? I also want to tell you that I did not receive a call at all during this so they don't even contact you when you are behind so you are essentially left in the dark. I asked the rep and she said due to their privacy policy they don't leave voicemails. That makes no sense at all. I had no idea this was all happening not a clue. I know the taxes need to be paid NOTIFY ME that I have taxes that I owe don't make me behind on my car and have me be 84 days past due in repo status! I'm still livid and I will be calling to request a copy of payment history and to see if my money really was applied to pay the taxes owed. By law they have to provide me with that information. If not I'm blowing this up and getting the news involved and a lawyer. Luckily my lease is up in September. This absolutely ridiculous. They used to allow you to make payments little by little to pay the taxes down or if you turned in your lease they would sent you bill. Just watch out people and call them to make sure your money is being applied correctly to your payments they don't care if you need a car and have to go to work they will make you past due. We will see what happens in the next week or I'm taking legal action.

Kia Motor Finance in TRASH and their customer services is GARBAGE!

Kia Motor Finance as the worst customer service ever. My issue started on Jan 1st, 2020. I made a car payment on Jan 1st forgetting that the month prior (December 2019) I setup autopay to take the payment out of my checking account on the 2nd of every month. I recognize this on Jan 3rd which was a Friday around 6 or 8 p.m. so when I call customer service, I can't talk to anyone because it was after business hours. So, I log in to their website to "Chat with Kian" to see what my options were. Here how that went.

Klan: Hi there, I'm Kian, Kia's AI-powered digital assistant. I'm programmed to answer most FAQs and help guide you to the correct account resources.

Klan: For security reasons, please, never send personal information such as account or social security numbers through chat. If you need to speak with a human, just type "human" at any time.

Kian: Let's get started!

Me: human

Kian: To create an account, click the button below and be sure to have this information ready. VIN or Account Number Date of Birth Last 4 Digits of your Social Security Number. Valid email address

Kian: Existing customers can log in by clicking below

(I log back into my account again)

Kian: Trouble registering? Click here for tips.

Me: human

Me: Payment took twice from bank account

Kian: Prefer a refund for your payment? Click the button below.
Request Refund

Kian: Please fax the following information to our Customer Service Department.
Contact Us

Kian: - Written request for refund including your KMF account number, first and last name, and the amount to be refunded.

- Statement(s) from the bank, credit union, or other financial institution or payment vendor showing that both payments were deducted or made.

- If the double payment caused your bank account to overdraw, a letter from your bank or financial institution on company letterhead indicating they will not decline or reverse the payments.

Kian: Please allow up to 15 business days from the original posting date for your refund check to be mailed.

So basically, I just wait till Jan 6th to call customer services again. After waiting for 20 minutes I finally got talk to someone and explain my situation. She put my refund request and told me "It would take 15 days to get my refund" which I had no problem with. After checking my mail and not seeing a check from Kia, I called customer service again on Jan 29th. They told me everything went through and the check has been mailed off and You should get it in the mail in 5 to 7-day business days. No bigge I said to myself. Ten business days pass, still no refund check. Called them again on Feb 13th. I ask to speak to a supervisor this time. The supervisor told me basically that the other person I talk to on Jan 29th gave me the wrong information and that check hasn't been mailed or process. So, the supervisor in put another refund request, told me I should receive my check in 10 to 15 days. Check the mailbox on Feb 30th and you guess what? Still no check. Called customer service again and told them don't worry about the refund, just credit to my account for next month's (March) payment thinking that it would be easier for them to do. She said ok, that too easy and that should have no payment due for the month of March. Check my Kia account March 3rd, it showed payment due $0.00. Check my Kia account March 15th and guess what I see? Payment due: $457.85. Now for the record during this whole time I paid the February payment and now the March payment "Before" the payments were due. Called again and spoke to yet another supervisor. She told me that she doesn't know what going on and that she will send yet another refund request to credit the money to my payment for April. Hell, she even got me a conformation/case number which was *******8364. Guess what? Same song & dance. April 1st payment: $0.00 due, April 6th payment: $457.85 due. CalledCustomerServices. Again, on April 6th. Spoke to a supervisor by the name of Ed. R who supposedly look at my account, notes on my account and call logs. He seen that I have been dealing with this issue since JANUARY and told he will edit the request and resend it. He also to him to call back the following week and ask for him so he can check on the statistic of the request. It's now April 8th. I CALLED CUSTOMER SERVICES AGAIN and ask for ED. R. He wasn't there so I ask for ANOTHER SUPERVISOR. Told her my issue, she tells me the same thing, "sending another refund request to credit the money to this month's payment". Ask to speak the manager, same thing. Spoke to person above his pay grade named Carlos D. And guess what, the same "sending another refund request to credit the money to this month's payment".

Me: Can I email the Finance department myself?

Carlos: No

Me: Can I call them directly?

Carlos: No

Me: Can you called them directly?

Carlos: No. We can "ONLY" email them sir.

Me: So, you are telling me that the Finance Department is group of people sitting at a round table with PC/Laptop in a "Men in Black" like building with the only way to contact them is through email?

Carlos: Yes.

Carlos D. Told me he will expedite the request through email and that's pretty much all he can do so, at the end of the day they still have $457.85 of my money that I have been trying to get back since JANUARY 6th, 2020. I feel like I need to get a lawyer involved in this or something. This can't right. But I know one thing I WILL NEVER BUY ANOTHER CAR FROM KIA AGAIN. Their customer services are is GARBAGE and by far THE WORST CUSTOMER SERVICES EXPERIENCE I HAVE EVER HAD IN MY 36 YEAR OF BEING ON THIS EARTH!

They deserve a negative -10
First I must say this isn't my first Kia the cars are great the company is garbage and the customer service people need to be fired for sitting on their sorry asses doing nothing but getting a pay check. I purchased my 2019 Kia Sportage back on July 5,2019 and the service was the absolute worst car experience ever. I was given the monthly amount of my car payment and when I got to finance it changed and that has NEVER HAPPEND when I spoke up about if they called a guy name Chris in which was a complete $#*! and very rude and shouldn't be in the business he told me that thy had wasted enough time on me and my deal they had other people to deal with. They pulled my credit again while I was sitting there and when I spoke about that I was told that what does it matter you have 16 inquiries on your credit this isn't gonna make a difference but it's my credit and I never signed any paperwork to have my credit pulled again needless to say I'm gonna contact a lawyer and show them 2 can play this game they had no right to re-run my credit also the car was sold without a fuse panel so the fuse and wires are exposed. I had to go back that Saturday July 6 to get items out my previous car since it was raining bad that day and when I got there they ordered me a fuse cover or so they say that I was to get Wednesday July 10,2019 of which I still haven't received a call saying it's there yet and today is Thursday July 25,2019. Please stay away from ALM Kia South Union City 4310 Jonesboro Rd, Union City, GA *******. Don't get me wrong there were a few people that were nice but Chris was very rude to me and Josh when I called in was just as bad he told me they can sell their card 10,000 above market price if they want it's up to them. I still have proof of what my car not was to be so I'm contacting a lawyer on this matter and see how they like me then. I tried twice contacting the Kia customer service and was told both times they can't do anything so when I get a lawyer the still better not be able to do nothing. I'm not settling out of court I want every penny I can get from these crooked people. I bet it's something they can do if you miss a payment. I'm not gonna want to hear it and at that point I'm not gonna be able to do anything but sue their crooked behinds.