What to do when a Kia Finance America account holder dies
Report the death to Kia Finance America's Back Office at 1-866-331-5632
Kia Finance America balances do not pass to anyone at death — they are settled. The executor reports the death to the Back Office (1-866-331-5632), gets the date-of-death balance in writing, and resolves it through the estate's creditor process.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Kia Finance America.
Death claim process
To file a claim after an account holder's death, here is what Kia Finance America requires:
Filing a claim
- Email: Tpas@hcs.com
- Fax: 866-331-5632
- Mail: Kia Finance America, Attn: Back Office, 6100 W. Plano Pkwy Ste. 2000, Plano, TX 75093
- Pay off in full: pay the remaining account balance within 30 days
- After a payoff, the title is released with the existing account holder's name, and the recipient handles the change of ownership with the local DMV or tag office
- The title is released within 15 business days of the payoff for non-certified funds, or 10 for certified funds or a cashier's check; release times may vary where a state regulation requires
- Kia Finance America says state DMV processing times for title processing, state transfers and name changes are ranging from 45 to 180 days
- Transfer of equity: a spouse or entitled party assumes the loan, with legal documents, an approved credit application and a name change request for title and registration
- Voluntary surrender: return the vehicle to Kia Finance America by calling 866-331-5632 to arrange pickup
- On surrender, joint or co-buyer account holders may incur additional liabilities as described in the original retail installment contract
- Lease assumption: the spouse or entitled party assumes the lease, with legal documents, an approved credit application and a name change request for title and registration
- Early termination: return the vehicle by calling 866-331-5632 to arrange pickup, or drop it off at a local dealership
- On early termination, joint or co-buyer account holders may incur additional liabilities as described in the original lease agreement
- Fax: (844) 309-3167
- Mail: Kia Finance America, Attn: Titles Department, 6100 W. Plano Pkwy., Ste 2000, Plano, TX 75093
- Kia Finance America says this address is different from the payment address printed on the monthly statement
Required Documents
- Copy of the death certificate
- Your name and contact information
- Your intention for the vehicleReturn, payoff, or retain monthly payments.
- The address where the vehicle is located
- Documentation of the will or trust, or of the executor's or administrator's appointment, if any
- The vehicle VINIn the subject or body of the email.
- Legal documents, an approved credit application and a name change request, for a transfer of equity or a lease assumptionThe name change request is for title and registration.
- Completed Odometer Disclosure Statement, with a lease payoffIn North Carolina, Massachusetts, Rhode Island and Connecticut, Kia Finance America mails a Bill of Sale to sign and return for title release; in Illinois it mails an IL ST-556 form.
- The account number and the local DMV or tax office's name, address, phone and fax, when faxing a request to remove a deceased co-owner from the Certificate of TitleWith supporting documentation such as the death certificate, DMV paperwork, power of attorney, or will or probate documents.
Forms Kia Finance America issues3
- Odometer/Mileage Disclosure Statement
Available to download.1
- Product Cancellation Request Form (PowerProtect)
Available to download.2
- Product Cancellation Request Form (PowerProtect Extended Services)
Available to download.2
What happens to each kind of account3
- Loan
Kia Finance America says that if the account is a joint account or there is a co-signer, the surviving account holder or cosigner continues to be liable for the account.1
After a total loss the borrower remains responsible for the balance until it is paid in full. Where GAP was purchased through Kia Finance, it gathers the documents and files the GAP claim, and the claimant follows up with the GAP provider.1
- Vehicle lease
Kia Finance America says that if the account is a joint account or there is a co-signer, the surviving account holder or cosigner continues to be liable for the account.1
GAP is included in a lease through Kia Finance America, subject to conditions set out in the lease agreement.1
- Debt protection, GAP or service contract
All cancellation refunds are issued through the selling dealer. While a lease or retail installment contract is active, the dealer sends the refund to the financial institution of record; if proof of pay-off or trade is provided, the customer receives it.3
Kia Finance America may take eight weeks or more to receive cancellation proceeds. It credits them to the principal or lease balance without re-amortizing, so the monthly payment stays the same and the final payment may be smaller.1
State requirements Kia Finance America statesColorado, Indiana, Pennsylvania, District of Columbia, Florida, South Dakota, Hawaii, South Carolina
- Colorado
Lease customers whose vehicle is garaged or registered in this state contact a licensed dealer in the state to obtain the lease buyout quote.1
- Indiana
Lease customers whose vehicle is garaged or registered in this state contact a licensed dealer in the state to obtain the lease buyout quote.1
- Pennsylvania
Lease customers whose vehicle is garaged or registered in this state contact a licensed dealer in the state to obtain the lease buyout quote.1
- District of Columbia
Lease customers whose vehicle is garaged or registered in this state contact a licensed dealer in the state to obtain the lease buyout quote.1
- Florida
Lease customers whose vehicle is garaged or registered in this state contact a licensed dealer in the state to obtain the lease buyout quote.1
- South Dakota
Lease customers whose vehicle is garaged or registered in this state contact a licensed dealer in the state to obtain the lease buyout quote.1
- Hawaii
Lease customers whose vehicle is garaged or registered in this state contact a licensed dealer in the state to obtain the lease buyout quote.1
- South Carolina
Lease customers whose vehicle is garaged or registered in this state contact a licensed dealer in the state to obtain the lease buyout quote.1
Accounts handled elsewhere1
- Power Protect Administrator
Cancelling a PowerProtect product, such as a vehicle service contract or GAP3
Phone: 1-800-689-0047
Email: cancellations@power-protect.com
Mailing address: Power Protect Administrator, Two Concourse Parkway, Suite 500, Atlanta, GA 30328
What Kia Finance America provides to the estate1
- Payoff statement
On a finance account a payoff quote is on every statement. A payoff or buyout quote can be requested by logging in and clicking "Request Payoff Quote", or through the automated phone system or a customer service agent.1
Not in Kia Finance America's published guidance1
- A claim form
Sources3
Kia Finance America says its service team will be in contact within 10 business days.
Kia Finance America's Back Office can be reached by phone at 1-866-331-5632, email at Tpas@hcs.com, and fax at 1-866-331-5632 for questions throughout the claims process.
Sources
Data sourced from Kia Finance America primary sources (11 pages reviewed). How we research.
Kia Finance America death claims support
Back Office
Phone
Lease-End Servicing Team
Collections Department
Fax
Hours
Mailing address
Website
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