Kia Motors Finance I traded my Kia Optima for Kia telluride early and was told I would not be charged any fees. But a year later I got a credit alert that I owed 759 Dallas Texas

In April 2019 my husband and I returned a lease earlier and traded it in my car for new Telluride. We were told by the dealership(anonymous right now) that we wouldn't be charged any fees. 

A year later I get an alert on my credit report that the I owed a balance of 759. When I called Kia Motors they said it was a disposition fee which I told them was unfair cause I traded it for another Kia. Two weeks later I called again the representative could not tell me the reason for the charge but I should contact the dealership if they said that I wouldn't have to pay it. I contacted the dealership who ofcourse told me that the people who sold me the car no longer works there but they have been hearing this a lot from other customers. Once again I called Kia finance who then told me it was owed payments cause I returned the car early. At this point I still have not gotten any mail from Kia that I owe them this money. I have now gotten any calls from anyone.  I haven't gotten any calls from a collections agency yet still when I call I owe this money and it's still on my credit report. When it first appeared on my report it showed the account as zero for April 2019 to November 2019 and then all of a sudden it started showing up as owing  from November. It was only after I called them it wasupdated and showed up as owing from June 2019.

the fact of the matter is i still haven't gotten any notice from Kia about this money or no one can explain to me what the charge is for. It's ruined my credit. I got stopped from by my home. And I'm living at families home cause I gave up my home to buy a new one. It's a shame and frustrating cause no one wants to help.