Amy S.

I bought a new Kia right before the pandemic hit. I went in for a used Kia or at the most a new one without a bunch of bells and whistles, and felt like I was pressured into getting a new car and the guy ended up selling me a brand new GT-Line Kia Soul. I was making $12 an hour at the time working full-time. How I even got approved for a loan for a $20,000+ loan is beyond me, but being dumb and overly excited I accepted because I knew I'd be getting a raise within the next few weeks. I then lost my job instead, due to the pandemic. I reached out multiple times via messages to Kia about my situation and asked for payment deferral and no one ever got back to me. I had made about 4-5 payments in full and on time from the beginning of the loan. After I was 2 days late on my payment they called me incessantly, 3 even 4 times a day. When I'd speak to them they almost demanded payment. They'd pressure me into asking my friends and family for money to make my payment. Guess what? It's a pandemic and everyone is kind of messed up financially right now. I ended up having to file bankruptcy so thankfully the harassing calls have stopped. I'm surrendering the vehicle and I am so happy to be rid of KMF. I'm grateful they haven't repossessed my vehicle yet because I need it right now, but I am ready to give it back at the same time. They need to stop approving people that can barely afford their payments, it's ridiculous.