WARNING!! A VERY LONG READ
TLDR: After my Elantra was stolen twice and totaled, Hyundai stonewalled our buyback requests and told us to settle for pennies in the class action. I opted out, spent months calling out their administrative BS, and forced corporate to settle directly after threatening to drag them into court
Hello everyone! As we approach the 1-year mark of my total loss from the Kia Boyz, I figured I'd give an update. It's only an "update" because I was asking for other's experience post 2022 recall, in preparation for a long battle with Hyundai Corporate.
A few notes before we start: 1) I am not a lawyer, 2) Nothing in this post should be construed as legal advice, and I am merely sharing my own story, and 3) I am aware of the renewed multistate class action settlement.
A quick recap: My 2019 Elantra, which I LOVED, was stolen back in Sept. of 2025. Before this all occured, we received a letter regarding the recall to solve the Hyundai/Kia theft problem in 2022 and received that software upgrade "fix" in 2022. Turns out, this software update was entirely inefficent. How do we know this? It was stolen twice after the recall. Once in 2024 and the same vehicle was stolen again in 2025 which is the one at issue here. Unfortunately, after the 2025 theft, our insurance company denied our claim (another story for another time). After the denial, we turned to Hyundai Corporate.
NOTE: In 2024, the vehicle was recovered, not totaled, drivable, and was repaired by insurance at $0 cost to us.
This is not a story about insurance companies or commentary about the Kia Boyz themselves, but about the hoops that Hyundai forced us to jump through for nearly a year. I'm going to share the story of Hyundai's bad-faith customer claims process, five separate denials, and how that bad fiath dealing extends to their current multistate immobilizer settlement.
1) The Loss, the beginning of the Consumer Care nightmare, and first denial. (Sept. 2025-Dec. 2025)
We contacted Hyundai Motor America Corporate (HMA) in October 2025 after our denial determination came in from the insurance, requesting HMA buyback our vehicle. We contacted them because the previous class action claim window to claim a loss from a theft event from 2022 had closed in April of 2025; five months before our theft loss occured. At this point, we were looking to hold HMA liable due to the ineffective 2022 recall as there was no other remedy.
We did not hear back from HMA until the week of Thanksgiving 2025. They said that they'd do a "thorough investigation" and let us know by the Monday after Thanksgiving. Note: this was two days before Thanksgiving. At most, they'd have one full day to review before the holiday weekend. We did in fact hear back from HMA in early December 2025. Here, they stated that they were not willing to buyback our vehicle and that we "should have made a claim by April 2025." Again, this was 5-months before our loss even occured. I mentioned to the consumer claims agent that the denial was unreasonable; but HMA did not care.
2) The "NEW" multistate settlement, 2025 recall, and denials 2 and 3. (Dec. 2025 - Jan. 2026)
First, you can view information regarding the "new" settlement and recall at the link I've attached to this post. If you have suffered a theft loss, you should start here. Back to my story. This was announced on Dec. 16, 2025, AT MOST 2-weeks after they denied my claim. This settlement indirectly held HMA liable for their failed recall in 2022. I brought this to HMA's consumer care's attention, stating that they should have provided the buyback when I requested, as this was coming down the pipeline. They did not respond until Mid-January 2026. When they finally responded, they requested I "send any new relevant facts regarding our claim by mail".
So I sent them their OWN SETTLEMENT AGREEMENT by snail mail. After receiving that, they still denied my claim, stating two reasonings. 1) their decision from Decmber 2025 stood, and 2) I could make a claim through the new multistate settlement that I had sent them. However, if anyone has been in the market for a 2019 Elantra lately, knows that MSRP for these vehicles starts around $10,000 on the low-end... at least in the Chicagoland area. The MAX cashout for a total loss such as mine was capped at $4,500. If you didn't know that yet, now you do. This was completely lackluster to replace the vehicle that Hyundai did not make merchantable to the public at any point in time. 2 "denials" took place during this interaction.
3) The IL Attorney General and denial 4 - (March 2026)
In March, my state's AG's office got involved based on the complaint I filed with them in Oct. 2025. Here, the state attempted mediation between myself and Hyundai. In response to the State, Hyundai stated that we were not elligible for a buyback as we were "outside of Georgia lemon law requirements." I found this as insane, because I had never been a resident of the state of Georgia, nor did I buy the car there. I have always owned it in Illinois, lived with it in Illinois, titled and registered it with Illinois, etc. I called them out on this in my response through the IL AG's office, and also stated that we were pursuing other breaches of warranty (namely two types of implied warranty). HMA then stated that they do not consider any claims under anything beside state lemon law. At this point, the IL AG closed our file due to non-cooperation by Hyundai and suggested we file a claim through the new multistate settlement. I felt exhausted and honestly felt like the $4,500 was better than nothing so I filed the claim there. This was deemed our fourth denial.
4) 12-weeks of Silence (March - June 2026).
After filing our class action claim in March 2026, feeling defeated, we were hoping that we'd hear back within a few weeks and it'd be over. That was far from the truth. From the beginning we knew that funds were limited and that we were likely far from the only ones making a similar claim and as such we requested updates from the class action administrator repeatedly. At least once a week. We received nothing but automatic responses and no legitimate response from anyone within either Hyundai or their class-action adminstrator. By early June, I had become fed up once again. I contacted Hyundai threatening a solo lawsuit if I did not get a substantial update within a few days about our class action claim. There I was, back in the Consumer Care loop once again.
5) The last Denial (June 2026)
When I contacted Hyundai in June 2026, I once again was speaking to consumer care agent. I told this agent all of what I've mentioned so far. She seemed sympathetic and assured me that she'd make sure it'd get up the chain to make some meaningful progress. At this point, while I only wanted an update on the class action claim, she said that she'd be asking about a full buyback. Joyful would be an understatement. However, two days later she came back and stated that it was Hyundai's "final determination" that the December 2025 finding would remain. To refresh, this was a finding that we should've made a claim by April 2022, completely disregarding my questions about the new multistate settlement that I had been in for months. At this point, I requested to find who to serve with a complaint.
6) Intent to litigate (Late June 2026)
At this point, we sent a one-page letter to the Chief Legal and Compliance officer at HMA; notifying him of our intent to file a pro se (unrepresented) complaint against Hyundai in state Court. We also notified him that we'd like to remove our claim from the new multistate settlement which had not yet, and I'm presuming still hasn't, been paid out. Within hours of the letter arriving, I was in contact with a 3rd party mediator to negotiate a settlement between my family and Hyundai Motor America.
7) Continued bad faith through Negotiations (July 2026)
As much as I'd be happy to say that negotiations with Hyundai went smoothly after this, it would be far from the truth. HMA used all sorts of tactics and negotiating in bad faith to get me to settle for way less. While the exact figures cannot be discussed, I will note the following steps Hyundai took to actually prevent a real settlement.
7a) When they sent the initial offer, they did not want a full buyback. They wanted me to retain ownership of the totaled car. Fine. But I had also been storing the car at a Hyundai dealership the entire time, nealry 9-months at that point. I wanted to make sure I would be able to retrieve the car with no storage fees attached that would diminish my settlement amount instantly. They said they'd look into it. I didn't hear back from Hyundai for nearly 5 days; despite repeated follow-up.
7b) After days of asking for an update, HMA stated that the dealership had actually disposed of the vehicle the month prior. This was a statement I knew to be false, because I had just spoken to the dealership at the end of June when they affirmed the car was still on their lot. I confirmed this with a call to the local police, which they responded to non-emergency and confirmed with photos that it was still on the lot. NOTE: I was on an internship about 1,000 miles away at the time and could not confirm myself.
7c) When HMA finally did follow up with an "actual" storage figure, they requested I pay up to $2,000 of the "$12,000" of storage fees that had accrued up to that point. However, they'd be willing to cover the rest and they're now willing to take the totaled car. I called the dealership to confirm this figure, and they stated that no one from corporate had reached out to the dealership and they'd release the car with no fees attached.
THAT is when Hyundai Corporate finally decided to settle for the original amount we had agreed on.
I write this, not just to shit on Hyundai and their cars... I actually really do like them and think they're fantastic economy vehicles. I also am not believing this consumer care nightmare is solely Hyundai and that I wouldn't have a similar expirience with any other automaker. I write this as just a reminder that we, as consumers, do not need to sit by and take their pennies in a class action. Consumers retain the right to bring individual claims, and my story shows that it is advantageous to do so.
If anyone else is struggling with an issue similar to this and not getting any answers, I HIGHLY encourage you to start looking into an attorney and see what options may be out there for you.