Hyundai Updates Manual

November 3rd, 2019 — 4:08pm

This is a guest post.

We bought a new 2019 Hyundai Elantra. Initially everything seemed fine. But it wasn’t long before we noticed the average MPG was resetting every morning and after refueling. Further, there was no multimedia manual; so, we weren’t sure if there were other electronics issues.

After talking to the dealer, they agreed to have someone look at the car but refused to give us the multimedia manual. We met with the dealer’s service representative, and he said he would investigate. Eventually he got back to us and insisted that despite what the owner’s manual stated, the car is suppose to automatically reset the average MPG as our car was doing, and that they would not be repairing the vehicle. Also, still no multimedia manual.

So we wrote a letter to the credit card company about the defective product which was purchased partially with credit. The credit card company reversed the $3000 charge. We might have been satisfied with this solution; however, the dealer was able to convince the credit card company to reapply the charge.

Then we contacted the EPA. After all, the dealer and manufacturer asserted the car was intentionally hiding the average gas mileage from us; so clearly they don’t want anyone to easily ascertain what the true gas mileage is. It took a bit of cajoling, but a guy from the EPA did go and contact the manufacturer. The manufacturer eventually fed the EPA guy some tale about how there were field complaints that the vehicles were providing inaccurate average gas mileage; thus, to address that problem,  they opted to automatically reset the average MPG after four hours off key. Not sure how that solved the inaccuracy problem, but this explanation seems to have satisfied the EPA’s concerns for the moment. But this is where things get really bizarre.

The owner’s manual provided at sale doesn’t actually say anything about the average MPG automatically resetting; yet the manufacturer just told the EPA that they are indeed intentionally resetting it in model year 2019 Hyundais. So the manufacturer printed us a custom owner’s manual, an exact replica of the original with the same binding and size, but with one small change that says the average MPG is supposed to reset when off key for four hours. It still does not reflect what the car actually does, but I guess it’s good enough for Hyundai work.  They then tried to get us to return the old manual. And finally, they manage to give us the multimedia manual.

Apparently, when you sell a defective product under warranty, all you have to do is print a new manual that states the defect is a feature. Problem solved! But seriously, why the cover-up? Why invest so much effort to document your own misdeeds and risk the ire of the government or a lawsuit? Wouldn’t it have been so much easier and less likely to bring attention to the problem if they had simply repaired or exchanged the vehicle for another? So now here is the idiocy documented on the internet.

Comment » | Shoddy Merchandise

North Carolina Files New Fraudulent Tax Return

August 30th, 2018 — 9:17pm

North Carolina is relentless. After filing a bogus tax return on my behalf and adding on thousands in late fees, NC is at it again. This time I even filed a return showing I had no taxable income. But it went ahead and filed its own return showing I owe $1343 after a hefty helping of late fees.

I have a feeling I’m stuck in the NC’s broken tax system indefinitely. I may have to call every single year and find someone who can fix my return.

Comment » | States Behaving Badly

North Carolina Garnishes Bank Account

March 12th, 2016 — 5:43pm

Barely a week after the MVA incident, I received the following letter from my bank. My initial reaction to this was somehow I’ve been scammed. I haven’t lived in North Carolina in a long time. Why would I owe the state anything? Leave it to the government to invade your privacy, while leaving you poorer, all the while making you feel like a criminal.


When I called the NCDOR, I was told the state filed a tax return on my behalf for year 2010. In five years, I’ve never received anything. Once I provided my address, I was sent the following letter along with other bogus claims of taxes owed and fees.


The NCDOR has since acknowledged that I don’t owe taxes from 2010 nor the 200% interest and fees; however, I’m still waiting on the booty to be returned.


I was going to send a letter to the entire state legislature about this but decided against it since I was not given a hard time about refunding my assets. I will post it here, however.

Dear Legislator,

I was notified by my bank that my account was garnished by the NCDOR. Taxes along with five years of interest and fees were taken for a year I was not working in North Carolina. Never in the past five years have I received a letter, an email, a text, or a phone call. There has been no serious attempt to contact me at all. Even though my address has been unstable due to a job loss, my phone number and email have not changed in a decade. At any time in the past five years, my contact information could have been found by contacting my prior employer, my current employer, the NC Employment Security Commission, the city of Raleigh, Wake County, prior tax returns, or five seconds of searching on Google.

I rarely complain about my taxes. I chose to do nothing when the court date for the appeal on my property taxes was sent to the wrong address, thereby denying me the appeals process. I did not complain when property taxes were recently raised.

This, however, is unacceptable. It was only a few days ago that Maryland suspended my registration and then came looking for its penalty fees. Sloppy and lost paperwork is the business strategy of too-big-to-fail banks. States cannot resort to the same underhanded means of covering budget shortfalls.

Comment » | States Behaving Badly

Maryland Suspends Vehicle Registration

March 12th, 2016 — 4:52pm

I received a notice from the MVA out of the blue that my vehicle registration was suspended. Apparently it lost my insurance information. Did someone bother to take five minutes to call me and let me know of the problem? Nope. By the time I had the notice in my hand, I had been driving around in an unregistered vehicle for a week.

The next Monday, the MVA was not accepting calls. Both the main number and the insurance division would play a recorded message and then hang up. Somehow my problem was fixed before the afternoon, which was probably due to the information being sent by my insurance company.

I decided not to make a big stink over problem since it was resolved at light speed in government time. And I even received a call from a state senator. STILL, the MVA should not be taking adverse actions without contacting people first.


Comment » | States Behaving Badly

Do Not Use the Post Office

August 2nd, 2015 — 2:48pm

After my prior bad experience with the post office, you might have thought I had learned my lesson. Well I have now. I sent a check priority mail to purchase a used vehicle. The only reason I sent it priority mail was because the leasing company said they needed it immediately. Had I sent the check and paperwork regular mail, it would have been there by the end of the week and everything would have been fine. But as you can see, it was nearly three weeks late.


And this time, I was in it for a lot more than $5.75. I waited stress-fully for a week for the leasing company to notify me that they had received payment. At this point, I needed the sale to be completed as much as they did because the safety inspection is only good for thirty days and the leasing company takes two weeks to send the bill of sale. If the time went beyond 30 days or I put more than 1000 miles on the vehicle, I would need to go back and pay for another inspection.

When I went to the bank to wire the money, I found out that it was $31 to cancel my check. It’s another $30 to wire funds. So now the total is $66.75, all thanks to the post office’s false advertising of priority mail.

It’s not only priority mail that’s a problem. I asked Freedom-Pop not to ship a replacement phone for the broken one they shipped until after I returned from vacation. So they promptly shipped it a few days before we left. I tried everything I could to get the post office to hold delivery. I stopped my mail for two weeks. I tried contacting the post office and leaving notes with the tracked item. Everything failed. Sure enough they left it at my door, conveniently advertising to the whole world I’m not home.

In this situation, I had absolutely no control, but the lesson I’ve learned is clear. Do not use the post office for anything other than regular mail. Go with one of the other shipping services.

Comment » | Caveat Emptor

USPS Not Helpful

December 10th, 2013 — 8:15pm

I sent three items priority 1-day mail at the post office at a cost of $5.60 each. Two of the items took four days to go about an hour’s drive. The other took six days and was routed through New Jersey. I heard I could get a refund, but when I tried, I was told priority 1-day mail is not guaranteed. It’s really just best effort. So basically, it’s totally worthless. I could have spent about 0.50 and had the same results. At least my experience wasn’t this bad. Hey! Mine went through the same NJ distribution center!

Comment » | Caveat Emptor

Maryland Attorney General Not Helpful

November 30th, 2013 — 3:19pm

I went to the Maryland Attorney General website a while back and went through the whole process of filling out the rather lengthy consumer complaint form on the quality of C’s loans. The site requires you to send a paper copy to the Attorney General’s office. So I prepared and printed all the paperwork yet again. Eventually I was notified that this was not the Attorney General’s problem. Supposedly the matter was forwarded to the CFPB, but I never heard of it again. Even so, it would have just been forwarded to the NCUA, where it would promptly disappear into the void. Hopeless…

Comment » | Regulatory Agencies

NCUA Does Not Like Me

November 30th, 2013 — 3:10pm

The NCUA seems to be going out of its way to be unhelpful to me. I pay the taxes that fund its employees salaries; it ignores me. Its employees do not respond to my emails unless it’s forwarded on by the CFPB. They always find a way to interpret the law in such a way that they don’t actually have to do any work. I wanted to find out if they were ignoring or discriminating against me, so I created an email account under a Hispanic name. I emailed an inarticulate complaint in broken English, and it took a week, but they responded by opening a case number and asking for more information. So I feel justified when I say they really don’t like me.

The Credit Union (C from here on) banned me from using its services. Just to be a thorn in its side, I sent a complaint to the CFPB. I stated that Section 1764 of the Federal Credit Union Act gives me the right to be heard prior to expulsion by a formal vote. The CFPB forwarded my complaint to the NCUA. It emailed the following response and then immediately closed the ticket so that I had no way of responding. The respondent did not ask any questions about the situation or attempt to be of any help.

As a member of a Federal Credit Union, the Federal Credit Union Act (FCU Act), grants all members’ two basic rights: the right to maintain a share account and the right to vote at annual meetings. 12 U.S.C. §§1759, 1769. However, nothing in the FCU Act or NCUA’s Rules and Regulations precludes a FCU from restricting the availability of certain services provided there is a rational basis for such action. See Legal Opinion Letter 08-0431 (available at The credit union is within their right to limit services to some members.

The Legal Opinion referenced here states that there needed to be some loss by C. And further, C would need to provide me with a formal policy of suspension of services. I don’t know whether such a policy exists, but I was not offered one or told where it could be found. Further, at the time I discovered C had banned me, I don’t believe I had actually cost C a single penny.

The NCUA would not respond to me.

Comment » | Regulatory Agencies

The Wealth Extraction Industry (cont.)

March 22nd, 2013 — 9:55am

Two months later, my escrow has finally been refunded.

Comment » | Banks Behaving Badly, Insurance Companies Behaving Badly

The Wealth Extraction Industry (cont.)

March 12th, 2013 — 9:04pm

I have now received two letters from Universal. One is a cancellation notice of the policy I didn’t know I had. The other is a response to the NCDOI. I also received a letter directly from the NCDOI. As of yesterday, the money has still not been refunded. The following is the OCR’d response.

As you are aware, Universal and Allstate entered into an agreement to rollover some policies that Allstate was terminating. The process was that Universal would offer coverage to these individuals based on information from Allstate. The policy was either accepted (by sending payment) or rejected (by requesting cancellation or not sending in payment) by the insured. In Mr. [removed] case, we received payment from the mortgage Company so the policy was continued in force.

[removed] was sent a new business packet as well as the initial billing on this policy, however, both parcels were returned to us. Two weeks earlier the mortgage company contacted us to change the method of billing from Mr. [removed] to the mortgage company. We then wrote to the agent to request the correct mailing address for Mr.

We were first advised on February 15, 2013 that that Mr. [removed] had homeowners coverage elsewhere when the mortgage company (US Bank) called to advise they sent the insured’s payment to us by mistake, and that he has had other coverage since April 30, 2012. Initially, we advised Mr. [removed] that while we cannot backdate the cancellation that far, in order to refund his premium we will need proof of coverage from his current carrier, a signed request from him to cancel the Universal policy, and a paid receipt indicating he paid the other company’s premium.

Upon reviewing this entire issue, it would appear to me that the best option is for us to flat cancel Mr. [removed] policy back to inception and refund his premium in full to his mortgage company. You may advise him that we will be doing this as soon as possible. I am however, advising Mr. [removed] of the same by copy of this letter. Should you have any questions, please contact me.

Comment » | Banks Behaving Badly, Insurance Companies Behaving Badly

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